SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D. C. 20549


                                    FORM 8-K



                       Pursuant to Section 13 or 15(d) of
                       The Securities Exchange Act of 1934


Date of Report (Date of earliest event reported) May 9, 2003
                                                 ----------

                                      UICI
             (Exact name of registrant as specified in its charter)


                                                                     
                     Delaware                             001-14953            75-2044750
---------------------------------------------------    -----------------   ------------------
  (State or other jurisdiction of incorporation        (Commission File       (IRS Employer
                or organization)                             Number)       Identification No.)

9151 Grapevine Highway, North Richland Hills, Texas                               76180
---------------------------------------------------                        ------------------
   (Address of principal executive offices)                                     (Zip Code)



Registrant's telephone number, including area code:  (817) 255-5200
                                                     --------------


                                 Not Applicable
--------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)





ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS

Exhibit 99.2      Copy of Certification of Gregory T. Mutz and Mark D. Hauptman,
                  the Chief Executive Officer and Chief Financial Officer,
                  respectively, of the Company, submitted pursuant to Section
                  906 of the Sarbanes-Oxley Act of 2002 (submitted for
                  informational purposes only),

ITEM 9. REGULATION FD DISCLOSURE

         On May 9, 2003, in connection with the filing of the Quarterly Report
on Form 10-Q of UICI (the "Company") for the period ended March 31, 2003 (the
"Report"), Gregory T. Mutz and Mark D. Hauptman, the Chief Executive Officer and
Chief Financial Officer, respectively, of the Company, each certified, pursuant
to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that, to such officer's knowledge:

         (1)      The Report fully complies with the requirements of Section
                  13(a) or 15(d) of the Securities Exchange Act of 1934; and

         (2)      The information contained in the Report fairly presents, in
                  all material respects, the financial condition and results of
                  operations of the Company as of the dates and for the periods
                  expressed in the Report.

A copy of the Certification is attached to this Report on Form 8-K as Exhibit
99.2 solely for informational purposes

                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                                          UICI
                                         ---------------------------------------
                                                      (Registrant)

Date     May 9, 2003                  By       /s/ Mark D. Hauptman
     -------------------                 ---------------------------------------
                                                   Mark D. Hauptman
                                                   Vice President and Chief
                                                   Financial Officer