EXHIBIT 32

Harry Lee Waterfield II and Raymond L. Carr, being the President and Vice President, Chief Financial Officer, respectively, of Investors Heritage Capital Corporation, hereby certify as of this 14th day of November, 2012, that the Form 10-Q for the Quarter ended September 30, 2012 fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 and that the information contained in the Form 10-Q fairly presents, in all material respects, the financial condition and results of operations of Investors Heritage Capital Corporation.
	INVESTORS HERITAGE CAPITAL CORPORATION
	BY:  /s/Harry Lee Waterfield II
	Harry Lee Waterfield II
DATE: November 14, 2012	President
	BY:  /s/Raymond L. Carr
	Raymond L. Carr
DATE: November 14, 2012	Vice President - Chief Financial Officer

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