X0306 4 2020-11-23 0000701869 INDEPENDENCE HOLDING CO IHC 0001060435 SIMON RONALD I 96 CUMMINGS POINT ROAD STAMFORD CT 06902 1 0 0 0 Common Stock 2020-11-23 4 J 0 2475 0 D 12950 D Common Stock 2020-11-23 4 J 0 2475 0 A 36425 I By Simon Family Trust Common Stock 2000 I By Wife Represents the transfer of shares from reporting person to the Simon Family Trust. Excludes 2,475 shares previously owned directly which were contributed to the Simon Family Trust. Includes 2,475 shares contributed by reporting person. The reporting person disclaims beneficial ownership of these securities, and the filing of this report is not an admission that the reporting person is the beneficial owner of these securities for purposes of Section 16 or for any other purpose. /s/ Ronald I. Simon 2020-11-24