EXHIBIT 99.1

CERTIFICATION OF PRINCIPAL EXECUTIVE AND FINANCIAL OFFICER PURSUANT TO 18 U.S.C.
                                  SECTION 1350
      AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

I,  George L. Hernandez, Acting Chief Operating Officer; Vice President, Finance
and  Administration;  and  Secretary  of  American Independence Corp., do hereby
certify,  pursuant  to 18 U.S.C. Section 1350 as adopted pursuant to Section 906
of  the  Sarbanes-Oxley  Act  of  2002,  that  to  my  knowledge:

1.   the  Annual  Report  on  Form  10-K, as amended by Form 10-K/A, of American
     Independence  Corp.  for the fiscal year ended September 30, 2002, as filed
     with  the  Securities  and  Exchange  Commission  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 such Annual Report on Form 10-K, as amended by
     Form  10-K/A,  fairly  presents,  in  all  material respects, the financial
     condition  and  results  of  operations  of  American  Independence  Corp.



/s/  George L. Hernandez                   Date:  November 27, 2002
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George L. Hernandez
Acting Chief Operating Officer;
Vice President, Finance and
Administration; and Secretary