Exhibit 99.1

         Certification Pursuant to 18 U.S.C. Section 1350, as Adopted
          Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002


________________________________________________________________________________


     Kathleen M.  Marlon,  Chief  Executive  Officer of CII  Financial,  Inc., a
California  corporation  (the  "Company"),  hereby  certifies to the best of her
knowledge that:

     (1) The  Company's  periodic  report on Form 10-Q for the period ended June
30, 2002 (the "Form 10-Q") fully complies with the requirements of Section 13(a)
and 15(d) of the Securities Exchange Act of 1934, as amended; and

     (2) The  information  contained  in the Form 10-Q fairly  presents,  in all
material  respects,  the  financial  condition  and results of operations of the
Company.


CHIEF EXECUTIVE OFFICER



/S/ Kathleen M. Marlon
Kathleen M. Marlon

Date: August 14, 2002