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<DIV style="font-family: 'Times New Roman',Times,serif">


<P align="right" style="font-size: 10pt">Registration Statement No.&nbsp;333-<U>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</U>



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<HR size="1" noshade color="#000000" style="margin-top: -10px">







<P align="center" style="font-size: 14pt">UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION

<DIV align="center" style="font-size: 12pt">Washington, D.C. 20549
</DIV>


<P align="center" style="font-size: 10pt"><HR align="center" size="1" noshade width="15%">


<P align="center" style="font-size: 18pt">FORM S-8


<P align="center" style="font-size: 10pt">REGISTRATION STATEMENT UNDER<BR>
THE SECURITIES ACT OF 1933


<P align="center" style="font-size: 24pt">UICI

<DIV align="center" style="font-size: 10pt">(Exact name of registrant as specified in its charter)</DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
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<TR valign="bottom">
    <TD width="47%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
</TR>
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<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top">DELAWARE
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">75-2044750</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top">(State or other jurisdiction of
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(IRS Employer</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top">incorporation or organization)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Identification No.)</TD>
</TR>

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</TABLE>
</DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="47%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top">9151 GRAPEVINE HIGHWAY</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top">NORTH RICHLAND HILLS, TX
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">76180</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top">(Address of principal executive offices)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(Zip Code)</TD>
</TR>

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</TABLE>
</DIV>



<P align="center" style="font-size: 10pt">UICI AGENTS&#146; TOTAL OWNERSHIP PLAN I<BR>
AND UICI AGENCY MATCHING TOTAL OWNERSHIP PLAN I



<P align="center" style="font-size: 10pt">UICI AGENTS&#146; TOTAL OWNERSHIP PLAN II<BR>
AND UICI AGENCY MATCHING TOTAL OWNERSHIP PLAN II



<P align="center" style="font-size: 10pt">UICI AGENTS&#146; CONTRIBUTION TO EQUITY PLAN I<BR>
AND UICI MATCHING AGENCY CONTRIBUTION PLAN I



<P align="center" style="font-size: 10pt">UICI AGENTS&#146; CONTRIBUTION TO EQUITY PLAN II<BR>
AND UICI MATCHING AGENCY CONTRIBUTION PLAN II



<P align="center" style="font-size: 10pt">(Full title of the Plan)



<P align="center" style="font-size: 10pt">Glenn W. Reed, Esq.<BR>
Executive Vice President and General Counsel<BR>
UICI<BR>
9151 Grapevine Highway<BR>
North Richland Hills, TX 76180<BR>
(817)&nbsp;255 5419<BR>
(Name, address, including zip code, and telephone number,<BR>
including area code, of agent for service)



<P align="center" style="font-size: 10pt">Copy of all communications to:<BR>
Robert J. Joseph, Esq.<BR>
Jones Day<BR>
77 W. Wacker Drive, Suite&nbsp;3500<BR>
Chicago, IL 60601



<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">




<P align="center" style="font-size: 10pt">CALCULATION OF REGISTRATION FEE









<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="34%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="8%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Proposed</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Proposed</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>&nbsp;</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><B> Title of</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Maximum</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Maximum</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>&nbsp;</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><B> Securities</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Amount</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Offering</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Aggregate</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>&nbsp;</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><B>To be</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>To be</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Price</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Offering</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Amount of</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><B> Registered</B><HR size="1" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Registered (1) (3)</B><HR size="1" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Per Share (2)</B><HR size="1" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Price</B><HR size="1" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Registration Fee</B><HR size="1" noshade></TD>
</TR>

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<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Common Stock, $0.01
par value
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">10,125,000</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">$</TD>
    <TD align="right" valign="top">21.99</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">$</TD>
    <TD align="right" valign="top">222,648,750</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">$</TD>
    <TD align="right" valign="top">28,210</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>

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</TABLE>
</DIV>



<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="right">(1)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>In addition, pursuant to Rule&nbsp;416 promulgated under the Securities Act of
1933, this registration statement also covers an indeterminate amount of
additional securities in order to adjust the number of securities reserved
for issuance pursuant to the Plan as a result of a stock split, stock
dividend or similar transaction affecting the common stock.</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="right">(2)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Estimated solely for the purpose of calculating the registration fee,
pursuant to Rule&nbsp;457(h), on the basis of the average of the high and low
sales prices of UICI Common Stock on June&nbsp;24, 2004.</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="right">(3)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>25,000 shares to be registered pursuant to UICI Agents&#146;
Total Ownership Plan I and 100,000 shares to be registered under the UICI Agency Matching
Total Ownership Plan I; 3,000,000 shares to be registered pursuant to UICI
Agents&#146; Total Ownership Plan II and 3,000,000 shares to be registered
under the UICI Agency Matching Total Ownership Plan II; 1,650,000 shares
to be registered pursuant to UICI Agents&#146; Contribution to Equity Plan I
and 1,650,000 shares to be registered under the UICI Matching Agency
Contribution Plan I; and 350,000 shares to be registered pursuant to UICI
Agents&#146; Contribution to Equity Plan I and 350,000 shares to be registered
under the UICI Matching Agency Contribution Plan I.</TD>
</TR>

</TABLE>

<P align="center" style="font-size: 10pt">S-2
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>


<!-- TOC -->
<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

<P><CENTER>
<TABLE border="0" width="90%" cellpadding="0" cellspacing="0">
<TR>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="76%"></TD>
</TR>
<TR><TD colspan="9"><A HREF="#000">PART II</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#001">ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#002"> ITEM 4. DESCRIPTION OF SECURITIES</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#003"> ITEM 5. INTEREST OF NAMED EXPERTS AND COUNSEL</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#004">ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#005"> ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#006">ITEM 8. EXHIBITS</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#007"> ITEM 9. UNDERTAKINGS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#008">SIGNATURES</A></TD></TR>
<TR><TD colspan="9"><A HREF="#009">EXHIBIT INDEX</A></TD></TR>
<TR><TD colspan="9"><A HREF="d16327exv5.htm">Opinion and Consent of Counsel</A></TD></TR>
<TR><TD colspan="9"><A HREF="d16327exv23w1.htm">Auditors' Consent</A></TD></TR>
<TR><TD colspan="9"><A HREF="d16327exv23w2.htm">Auditors' Consent</A></TD></TR>
<TR><TD colspan="9"><A HREF="d16327exv24.htm">Power of Attorney</A></TD></TR>
</TABLE>
</CENTER>
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<DIV align="left"><A NAME="000"></A></DIV>

<P align="center" style="font-size: 10pt">PART II


<P align="left" style="font-size: 10pt"><B>Note:</B> This Registration Statement covers up to 10,125,000 shares of the Registrant&#146;s Common
Stock, $0.01 par value per share, to be delivered from time to time in accordance with the terms of the Registrant&#146;s stock
accumulation plans established for the benefit of the independent
insurance agents associated with UGA - Association Field Services and Cornerstone
America (divisions of The MEGA Life and Health Insurance Company and Mid-West National Life Insurance Company of Tennessee respectively) and the
independent field service representatives associated with Performance Driven Awards, Inc. and Success Driven Awards, Inc. (subsidiaries of UICI). The
stock accumulation plans provide that shares of the Registrant&#146;s Common Stock to be delivered to participants may be newly issued shares,
shares acquired on the open market and/or shares purchased from plan participants, in each case as determined by the administrator of the
plans in its sole discretion. UICI currently serves as the administrator of the plans. The Registrant has historically funded, and currently
intends to continue to fund, the stock accumulation plans with shares
of its Common Stock acquired in open market transactions. Accordingly, the Registrant does not currently anticipate that the delivery of
shares of its Common Stock in accordance with the stock accumulation plans will be dilutive to the current holders of the Registrant&#146;s Common Stock.

<!-- link2 "ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE" -->
<DIV align="left"><A NAME="001"></A></DIV>

<P align="left" style="font-size: 10pt">ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents filed by the Registrant with the Securities and
Exchange Commission are incorporated herein by reference and made a part
hereof:


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" nowrap align="right">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Annual Report on Form 10-K for the fiscal year ended December
31, 2003;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" nowrap align="right">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Registrant&#146;s Quarterly Report on Form 10-Q for the
quarter ended March&nbsp;31, 2004;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" nowrap align="right">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Registrant&#146;s Current Reports on Form 8-K filed with the
Securities and Exchange Commission on February&nbsp;12, 2004, February
19, 2004, April&nbsp;29, 2004, May&nbsp;14, 2004, May&nbsp;28, 2004 and June&nbsp;9,
2004; and</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" nowrap align="right">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Form&nbsp;8-A for registration of certain classes of securities
pursuant to Section 12(b) or (g)&nbsp;of the Securities Exchange Act of
1934 as filed on April&nbsp;22, 1999, which contains a description of the
Registrant&#146;s Common Stock, $0.01 par value.</TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, each document filed by the Registrant pursuant to Sections
13(a), 13(c), 14 and 15(d) of the Securities Exchange Act of 1934, as amended
after the date hereof, and prior to the termination of the offering shall be
deemed to be incorporated by reference herein and to be part hereof from the
date of filing of such documents.

<!-- link2 " ITEM 4. DESCRIPTION OF SECURITIES" -->
<DIV align="left"><A NAME="002"></A></DIV>

<P align="left" style="font-size: 10pt">ITEM 4. DESCRIPTION OF SECURITIES



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not Applicable.

<!-- link2 " ITEM 5. INTEREST OF NAMED EXPERTS AND COUNSEL" -->
<DIV align="left"><A NAME="003"></A></DIV>

<P align="left" style="font-size: 10pt">ITEM 5. INTEREST OF NAMED EXPERTS AND COUNSEL



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The consolidated financial statements and schedules of UICI for the years
ended December&nbsp;31, 2003 and 2002 appearing in UICI&#146;s Annual Report (Form 10-K)
for the year ended December&nbsp;31, 2003, have been audited by KPMG LLP,
independent auditors, as set forth in their report thereon included therein and
incorporated herein by reference. Such consolidated financial statements are
incorporated herein by reference in reliance upon such report given on the
authority of such firm as experts in accounting and auditing.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The consolidated financial statements and schedules of UICI for the year
ended December&nbsp;31, 2001 appearing in UICI&#146;s annual Report (Form 10-K) for the
year ended December&nbsp;31, 2003, have been audited by Ernst &#038; Young LLP,
independent auditors, as set forth in their report thereon included therein and
incorporated herein by reference. Such consolidated financial statements are
incorporated herein by reference in reliance upon such report given on the
authority of such firm as experts in accounting and auditing.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The legality of the shares of the common stock of UICI to be issued in
connection with the UICI Plans is being passed upon for UICI by Glenn W. Reed,
Executive Vice President and General Counsel of UICI. At June&nbsp;15, 2004, Mr.
Reed was the beneficial owner of 94,589 shares of UICI common stock.

<!-- link2 "ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS" -->
<DIV align="left"><A NAME="004"></A></DIV>

<P align="left" style="font-size: 10pt">ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;145 of the General Corporation Law of Delaware authorizes
indemnification of directors, officers and employees of Delaware corporations.
Article&nbsp;VIII of the registrant&#146;s by-laws (i)&nbsp;authorizes the indemnification of
directors and officers (the &#147;Indemnitees&#148;) under specified circumstances to the
fullest extent authorized by the General Corporation Law of Delaware, (ii)
provides for the advancement


<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<P align="left" style="font-size: 10pt">of expenses to the Indemnitees for defending any proceedings related to the
specified circumstances, (iii)&nbsp;gives the Indemnitees the right to bring suit
against the registrant to enforce the foregoing rights to indemnification and
advancement of expenses, and (iv)&nbsp;authorizes the registrant to maintain certain
policies of insurance to protect itself and any of its directors, officers or
employees. The registrant has an insurance policy covering its directors and
officers against certain personal liability, which may include liabilities
under the Securities Act of 1933 as amended.

<!-- link2 " ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED" -->
<DIV align="left"><A NAME="005"></A></DIV>

<P align="left" style="font-size: 10pt">ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not Applicable.

<!-- link2 "ITEM 8. EXHIBITS" -->
<DIV align="left"><A NAME="006"></A></DIV>

<P align="left" style="font-size: 10pt">ITEM 8. EXHIBITS


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="95%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="86%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Certificate of Incorporation of the Registrant (incorporated
by reference to Exhibit&nbsp;4.1(i)(a) to the Registrant&#146;s Form&nbsp;S-8 (File
No.&nbsp;333-85113), filed August&nbsp;13, 1999).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Amended and Restated By-Laws of the Registrant (incorporated
by reference to Exhibit&nbsp;3.2(A) to Registrant&#146;s Quarterly Report on
Form&nbsp;10-Q (File No.&nbsp;001-14953), for the quarter ended March&nbsp;31,
2004).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">5
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Opinion of Counsel regarding legality of securities.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Auditors&#146; Consent.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Auditors&#146; Consent</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.3
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Counsel (included in Exhibit&nbsp;5).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">24
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Power of attorney.</TD>
</TR>

<!-- End Table Body -->
</TABLE>
</DIV>


<!-- link2 " ITEM 9. UNDERTAKINGS" -->
<DIV align="left"><A NAME="007"></A></DIV>

<P align="left" style="font-size: 10pt">ITEM 9. UNDERTAKINGS



<P align="left" style="font-size: 10pt">A. Updating Disclosure



<P align="left" style="font-size: 10pt">The undersigned registrant hereby undertakes:


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="right">(1)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To file, during any period in which offers of sales are being made, a
post-effective amendment to this registration statement:</TD>
</TR>

</TABLE>


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" nowrap align="right">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To include any prospectus required by Section&nbsp;10(a)(3) of the
Securities Act of 1933;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" nowrap align="right">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To reflect in the prospectus any facts or events arising
after the effective date of the registration statement (or the most
recent post-effective amendment thereof) which, individually or in
the aggregate, represent a fundamental change in the information set
forth in the registration statement. Notwithstanding the foregoing,
any increase or decrease in volume of securities offered (if the
total dollar value of securities offered would not exceed that which
was registered) and any deviation from the low or high end of the
estimated maximum offering range may be reflected in the form of
prospectus filed with the Commission pursuant to Rule 424(b) if, in
the aggregate, the changes in volume and price represent no more
than 20% change in the maximum aggregate offering price set forth in
the &#147;Calculation of Registration Fee&#148; table in the effective
registration statement;</TD>
</TR>

</TABLE>

<P align="center" style="font-size: 10pt">S-2
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" nowrap align="right">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To include any material information with respect to the plan
of distribution not previously disclosed in the registration
statement or any material change to such information in the
registration statement;</TD>
</TR>

</TABLE>

<P align="left" style="font-size: 10pt">Provided, however, that paragraphs (1)(i) and (1)(ii) do not apply if the
registration statement is on Form S-3, Form S-8 or Form F-3, and the
information required to be included in a post-effective amendment by those
paragraphs is contained in periodic reports filed with or furnished to the
Commission by the registrant pursuant to Section&nbsp;13 or 15(d) of the Securities
Exchange Act of 1934 that are incorporated by reference in the registration
statement.



<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="right">(2)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>That, for the purpose of determining any liability under the Securities
Act of 1933, each such post-effective amendment shall be deemed to be a
new registration statement relating to the securities offered therein, and
the offering of such securities at that time shall be deemed to be the

initial bona fide offering thereof.</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="right">(3)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To remove from registration by means of a post-effective amendment any of
the securities being registered which remain unsold at the termination of
the offering.</TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">B. Subsequent Exchange Act Documents.


<P align="left" style="font-size: 10pt">The undersigned registrant hereby undertakes that, for purposes of determining
any liability under the Securities Act of 1933, each filing of the registrant&#146;s
annual report pursuant to Section 13(a) or 15(d) of the Securities Exchange Act
of 1934 that is incorporated by reference in the registration statement shall
be deemed to be a new registration statement relating to the securities offered
therein, and the offering of such securities at that time shall be deemed to be
the initial bona fide offering thereof.



<P align="left" style="font-size: 10pt">C. Indemnification.


<P align="left" style="font-size: 10pt">Insofar as indemnification for liabilities arising under the Securities Act of
1933 may be permitted to directors, officers and controlling persons of the
registrant pursuant to the foregoing provisions, or otherwise, the registrant
has been advised that in the opinion of the Securities and Exchange Commission
such indemnification is against public policy as expressed in the Act and is,
therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the registrant of expenses
incurred or paid by a director, officer of controlling person of the registrant
in the successful defense of any action, suit or proceeding) is asserted by
such director, officer or controlling person in connection with the securities
being registered, the registrant will, unless in the opinion of its counsel the
matter has been settled by controlling precedent, submit to a court of
appropriate jurisdiction the question whether such indemnification by it is
against public policy as expressed in the Act and will be governed by the final
adjudication of such issue.



<P align="center" style="font-size: 10pt">S-3
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<!-- link1 "SIGNATURES" -->
<DIV align="left"><A NAME="008"></A></DIV>

<P align="center" style="font-size: 10pt">SIGNATURES


<P align="left" style="font-size: 10pt">Pursuant to the requirements of the Securities Act of 1933, the registrant
certifies that it has reasonable grounds to believe that it meets all of the
requirements for filing on Form S-8 and has duly caused this registration
statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the city of North Richland Hills, State of Texas.


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="60%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="36%">&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">UICI</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">/s/ GLENN W. REED</TD>
</TR>

<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><HR size="1" noshade>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Glenn W. Reed,</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Executive Vice President and General Counsel</TD>
</TR>

<!-- End Table Body -->
</TABLE>
</DIV>



<P align="left" style="font-size: 10pt">Date: June&nbsp;25, 2004


<P align="left" style="font-size: 10pt">Pursuant to the requirements of Securities Act of 1933, this registration
statement has been signed below by the following persons in the capacities and
on the dates indicated.



<P align="center" style="font-size: 10pt">SIGNATURE


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="55%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="100%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" nowrap valign="top">RONALD L. JENSEN*<BR>
<HR size="1" width="70%" noshade>
Ronald L. Jensen,<BR>
Chairman of the Board and Director<BR>
June 25, 2004</TD>
</TR>

<TR valign="bottom" style="padding-top: 1em">
    <TD align="center" nowrap valign="top">WILLIAM J. GEDWED*<BR>
<HR size="1" width="70%" noshade>
William J. Gedwed,<BR>
President, Chief Executive Officer and Director<BR>
June 25, 2004</TD>
</TR>

<TR valign="bottom" style="padding-top: 1em">
    <TD align="center" nowrap valign="top">MARK D. HAUPTMAN*<BR>
<HR size="1" width="70%" noshade>
Mark D. Hauptman<BR>
Vice President and Chief Financial Officer<BR>
(Chief Financial and Accounting Officer)<BR>
June 25, 2004</TD>
</TR>

<TR valign="bottom" style="padding-top: 1em">
    <TD align="center" nowrap valign="top">/s/ GLENN W. REED<BR>
<HR size="1" width="70%" noshade>
Glenn W. Reed<BR>
Executive Vice President, General Counsel and Director<BR>
June 25, 2004</TD>
</TR>

<TR valign="bottom" style="padding-top: 1em">
    <TD align="center" nowrap valign="top">RICHARD T. MOCKLER*<BR>
<HR size="1" width="70%" noshade>
Richard T. Mockler,<BR>
Director<BR>
June 25, 2004</TD>
</TR>

<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt">S-4
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="55%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="100%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="padding-top: 1em">
    <TD align="center" nowrap valign="top">MURAL R. JOSEPHSON*<BR>
<HR size="1" width="70%" noshade>
Mural R. Josephson,<BR>
Director<BR>
June 25, 2004</TD>
</TR>

<TR valign="bottom" style="padding-top: 1em">
    <TD align="center" nowrap valign="top">MICK THOMPSON*<BR>
<HR size="1" width="70%" noshade>
Mick Thompson,<BR>
Director<BR>
June 25, 2004</TD>
</TR>

<TR valign="bottom" style="padding-top: 1em">
    <TD align="center" nowrap valign="top">DENNIS C. McCUISTION*<BR>
<HR size="1" width="70%" noshade>
Dennis C. McCuistion,<BR>
Director<BR>
June 25, 2004</TD>
</TR>



<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; /s/ GLENN W. REED<BR>
<HR align="center" size="1" width="70%" noshade></TD>
</TR>



<TR valign="bottom">
    <TD align="center" nowrap valign="top">
Glenn W. Reed,<BR>
(Attorney-in-Fact)<BR>
June 25, 2004</TD>
</TR>

<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt">S-5
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "EXHIBIT INDEX" -->
<DIV align="left"><A NAME="009"></A></DIV>


<P align="center" style="font-size: 10pt">EXHIBIT INDEX


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="93%">&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Certificate of Incorporation of the Registrant (incorporated by
reference to Exhibit&nbsp;4.1(i)(a) to the Registrant&#146;s Form&nbsp;S-8 (File No.
333-85113), filed August&nbsp;13, 1999).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Amended and Restated By-Laws of the Registrant (incorporated by
reference to Exhibit&nbsp;3.2(A) to Registrant&#146;s Quarterly Report on Form
10-Q (File No.&nbsp;001-14953), for the quarter ended March&nbsp;31, 2004.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">5
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Opinion of Counsel regarding legality of securities.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Auditors&#146; Consent.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Auditors&#146; Consent.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.3
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Counsel (included in Exhibit&nbsp;5).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">24
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Power of attorney.</TD>
</TR>

<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

</BODY>
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sv8
Table of Contents
Registration Statement No. 333-
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-8
REGISTRATION STATEMENT UNDER
THE SECURITIES ACT OF 1933
UICI
(Exact name of registrant as specified in its charter)
DELAWARE
75-2044750
(State or other jurisdiction of
(IRS Employer
incorporation or organization)
Identification No.)
9151 GRAPEVINE HIGHWAY
NORTH RICHLAND HILLS, TX
76180
(Address of principal executive offices)
(Zip Code)
UICI AGENTS' TOTAL OWNERSHIP PLAN I
AND UICI AGENCY MATCHING TOTAL OWNERSHIP PLAN I
UICI AGENTS' TOTAL OWNERSHIP PLAN II
AND UICI AGENCY MATCHING TOTAL OWNERSHIP PLAN II
UICI AGENTS' CONTRIBUTION TO EQUITY PLAN I
AND UICI MATCHING AGENCY CONTRIBUTION PLAN I
UICI AGENTS' CONTRIBUTION TO EQUITY PLAN II
AND UICI MATCHING AGENCY CONTRIBUTION PLAN II
(Full title of the Plan)
Glenn W. Reed, Esq.
Executive Vice President and General Counsel
UICI
9151 Grapevine Highway
North Richland Hills, TX 76180
(817) 255 5419
(Name, address, including zip code, and telephone number,
including area code, of agent for service)
Copy of all communications to:
Robert J. Joseph, Esq.
Jones Day
77 W. Wacker Drive, Suite 3500
Chicago, IL 60601
Table of Contents
CALCULATION OF REGISTRATION FEE
Proposed
Proposed
Title of
Maximum
Maximum
Securities
Amount
Offering
Aggregate
To be
To be
Price
Offering
Amount of
Registered
Registered (1) (3)
Per Share (2)
Price
Registration Fee
Common Stock, $0.01
par value
10,125,000
$
21.99
$
222,648,750
$
28,210
(1)
In addition, pursuant to Rule 416 promulgated under the Securities Act of
1933, this registration statement also covers an indeterminate amount of
additional securities in order to adjust the number of securities reserved
for issuance pursuant to the Plan as a result of a stock split, stock
dividend or similar transaction affecting the common stock.
(2)
Estimated solely for the purpose of calculating the registration fee,
pursuant to Rule 457(h), on the basis of the average of the high and low
sales prices of UICI Common Stock on June 24, 2004.
(3)
25,000 shares to be registered pursuant to UICI Agents'
Total Ownership Plan I and 100,000 shares to be registered under the UICI Agency Matching
Total Ownership Plan I; 3,000,000 shares to be registered pursuant to UICI
Agents' Total Ownership Plan II and 3,000,000 shares to be registered
under the UICI Agency Matching Total Ownership Plan II; 1,650,000 shares
to be registered pursuant to UICI Agents' Contribution to Equity Plan I
and 1,650,000 shares to be registered under the UICI Matching Agency
Contribution Plan I; and 350,000 shares to be registered pursuant to UICI
Agents' Contribution to Equity Plan I and 350,000 shares to be registered
under the UICI Matching Agency Contribution Plan I.
S-2
TABLE OF CONTENTS
PART II
ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE
ITEM 4. DESCRIPTION OF SECURITIES
ITEM 5. INTEREST OF NAMED EXPERTS AND COUNSEL
ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS
ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED
ITEM 8. EXHIBITS
ITEM 9. UNDERTAKINGS
SIGNATURES
EXHIBIT INDEX
Opinion and Consent of Counsel
Auditors' Consent
Auditors' Consent
Power of Attorney
Table of Contents
PART II
Note:
This Registration Statement covers up to 10,125,000 shares of the Registrant's Common
Stock, $0.01 par value per share, to be delivered from time to time in accordance with the terms of the Registrant's stock
accumulation plans established for the benefit of the independent
insurance agents associated with UGA - Association Field Services and Cornerstone
America (divisions of The MEGA Life and Health Insurance Company and Mid-West National Life Insurance Company of Tennessee respectively) and the
independent field service representatives associated with Performance Driven Awards, Inc. and Success Driven Awards, Inc. (subsidiaries of UICI). The
stock accumulation plans provide that shares of the Registrant's Common Stock to be delivered to participants may be newly issued shares,
shares acquired on the open market and/or shares purchased from plan participants, in each case as determined by the administrator of the
plans in its sole discretion. UICI currently serves as the administrator of the plans. The Registrant has historically funded, and currently
intends to continue to fund, the stock accumulation plans with shares
of its Common Stock acquired in open market transactions. Accordingly, the Registrant does not currently anticipate that the delivery of
shares of its Common Stock in accordance with the stock accumulation plans will be dilutive to the current holders of the Registrant's Common Stock.
ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE
The following documents filed by the Registrant with the Securities and
Exchange Commission are incorporated herein by reference and made a part
hereof:
(a)
Annual Report on Form 10-K for the fiscal year ended December
31, 2003;
(b)
The Registrant's Quarterly Report on Form 10-Q for the
quarter ended March 31, 2004;
(c)
The Registrant's Current Reports on Form 8-K filed with the
Securities and Exchange Commission on February 12, 2004, February
19, 2004, April 29, 2004, May 14, 2004, May 28, 2004 and June 9,
2004; and
(d)
Form 8-A for registration of certain classes of securities
pursuant to Section 12(b) or (g) of the Securities Exchange Act of
1934 as filed on April 22, 1999, which contains a description of the
Registrant's Common Stock, $0.01 par value.
In addition, each document filed by the Registrant pursuant to Sections
13(a), 13(c), 14 and 15(d) of the Securities Exchange Act of 1934, as amended
after the date hereof, and prior to the termination of the offering shall be
deemed to be incorporated by reference herein and to be part hereof from the
date of filing of such documents.
ITEM 4. DESCRIPTION OF SECURITIES
Not Applicable.
ITEM 5. INTEREST OF NAMED EXPERTS AND COUNSEL
The consolidated financial statements and schedules of UICI for the years
ended December 31, 2003 and 2002 appearing in UICI's Annual Report (Form 10-K)
for the year ended December 31, 2003, have been audited by KPMG LLP,
independent auditors, as set forth in their report thereon included therein and
incorporated herein by reference. Such consolidated financial statements are
incorporated herein by reference in reliance upon such report given on the
authority of such firm as experts in accounting and auditing.
The consolidated financial statements and schedules of UICI for the year
ended December 31, 2001 appearing in UICI's annual Report (Form 10-K) for the
year ended December 31, 2003, have been audited by Ernst & Young LLP,
independent auditors, as set forth in their report thereon included therein and
incorporated herein by reference. Such consolidated financial statements are
incorporated herein by reference in reliance upon such report given on the
authority of such firm as experts in accounting and auditing.
The legality of the shares of the common stock of UICI to be issued in
connection with the UICI Plans is being passed upon for UICI by Glenn W. Reed,
Executive Vice President and General Counsel of UICI. At June 15, 2004, Mr.
Reed was the beneficial owner of 94,589 shares of UICI common stock.
ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS
Section 145 of the General Corporation Law of Delaware authorizes
indemnification of directors, officers and employees of Delaware corporations.
Article VIII of the registrant's by-laws (i) authorizes the indemnification of
directors and officers (the "Indemnitees") under specified circumstances to the
fullest extent authorized by the General Corporation Law of Delaware, (ii)
provides for the advancement
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of expenses to the Indemnitees for defending any proceedings related to the
specified circumstances, (iii) gives the Indemnitees the right to bring suit
against the registrant to enforce the foregoing rights to indemnification and
advancement of expenses, and (iv) authorizes the registrant to maintain certain
policies of insurance to protect itself and any of its directors, officers or
employees. The registrant has an insurance policy covering its directors and
officers against certain personal liability, which may include liabilities
under the Securities Act of 1933 as amended.
ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED
Not Applicable.
ITEM 8. EXHIBITS
4.1
Certificate of Incorporation of the Registrant (incorporated
by reference to Exhibit 4.1(i)(a) to the Registrant's Form S-8 (File
No. 333-85113), filed August 13, 1999).
4.2
Amended and Restated By-Laws of the Registrant (incorporated
by reference to Exhibit 3.2(A) to Registrant's Quarterly Report on
Form 10-Q (File No. 001-14953), for the quarter ended March 31,
2004).
5
Opinion of Counsel regarding legality of securities.
23.1
Auditors' Consent.
23.2
Auditors' Consent
23.3
Consent of Counsel (included in Exhibit 5).
24
Power of attorney.
ITEM 9. UNDERTAKINGS
A. Updating Disclosure
The undersigned registrant hereby undertakes:
(1)
To file, during any period in which offers of sales are being made, a
post-effective amendment to this registration statement:
(i)
To include any prospectus required by Section 10(a)(3) of the
Securities Act of 1933;
(ii)
To reflect in the prospectus any facts or events arising
after the effective date of the registration statement (or the most
recent post-effective amendment thereof) which, individually or in
the aggregate, represent a fundamental change in the information set
forth in the registration statement. Notwithstanding the foregoing,
any increase or decrease in volume of securities offered (if the
total dollar value of securities offered would not exceed that which
was registered) and any deviation from the low or high end of the
estimated maximum offering range may be reflected in the form of
prospectus filed with the Commission pursuant to Rule 424(b) if, in
the aggregate, the changes in volume and price represent no more
than 20% change in the maximum aggregate offering price set forth in
the "Calculation of Registration Fee" table in the effective
registration statement;
S-2
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(iii)
To include any material information with respect to the plan
of distribution not previously disclosed in the registration
statement or any material change to such information in the
registration statement;
Provided, however, that paragraphs (1)(i) and (1)(ii) do not apply if the
registration statement is on Form S-3, Form S-8 or Form F-3, and the
information required to be included in a post-effective amendment by those
paragraphs is contained in periodic reports filed with or furnished to the
Commission by the registrant pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934 that are incorporated by reference in the registration
statement.
(2)
That, for the purpose of determining any liability under the Securities
Act of 1933, each such post-effective amendment shall be deemed to be a
new registration statement relating to the securities offered therein, and
the offering of such securities at that time shall be deemed to be the

initial bona fide offering thereof.
(3)
To remove from registration by means of a post-effective amendment any of
the securities being registered which remain unsold at the termination of
the offering.
B. Subsequent Exchange Act Documents.
The undersigned registrant hereby undertakes that, for purposes of determining
any liability under the Securities Act of 1933, each filing of the registrant's
annual report pursuant to Section 13(a) or 15(d) of the Securities Exchange Act
of 1934 that is incorporated by reference in the registration statement shall
be deemed to be a new registration statement relating to the securities offered
therein, and the offering of such securities at that time shall be deemed to be
the initial bona fide offering thereof.
C. Indemnification.
Insofar as indemnification for liabilities arising under the Securities Act of
1933 may be permitted to directors, officers and controlling persons of the
registrant pursuant to the foregoing provisions, or otherwise, the registrant
has been advised that in the opinion of the Securities and Exchange Commission
such indemnification is against public policy as expressed in the Act and is,
therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the registrant of expenses
incurred or paid by a director, officer of controlling person of the registrant
in the successful defense of any action, suit or proceeding) is asserted by
such director, officer or controlling person in connection with the securities
being registered, the registrant will, unless in the opinion of its counsel the
matter has been settled by controlling precedent, submit to a court of
appropriate jurisdiction the question whether such indemnification by it is
against public policy as expressed in the Act and will be governed by the final
adjudication of such issue.
S-3
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SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the registrant
certifies that it has reasonable grounds to believe that it meets all of the
requirements for filing on Form S-8 and has duly caused this registration
statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the city of North Richland Hills, State of Texas.
UICI
By:
/s/ GLENN W. REED
Glenn W. Reed,
Executive Vice President and General Counsel
Date: June 25, 2004
Pursuant to the requirements of Securities Act of 1933, this registration
statement has been signed below by the following persons in the capacities and
on the dates indicated.
SIGNATURE
RONALD L. JENSEN*
Ronald L. Jensen,
Chairman of the Board and Director
June 25, 2004
WILLIAM J. GEDWED*
William J. Gedwed,
President, Chief Executive Officer and Director
June 25, 2004
MARK D. HAUPTMAN*
Mark D. Hauptman
Vice President and Chief Financial Officer
(Chief Financial and Accounting Officer)
June 25, 2004
/s/ GLENN W. REED
Glenn W. Reed
Executive Vice President, General Counsel and Director
June 25, 2004
RICHARD T. MOCKLER*
Richard T. Mockler,
Director
June 25, 2004
S-4
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MURAL R. JOSEPHSON*
Mural R. Josephson,
Director
June 25, 2004
MICK THOMPSON*
Mick Thompson,
Director
June 25, 2004
DENNIS C. McCUISTION*
Dennis C. McCuistion,
Director
June 25, 2004
*By:                              /s/ GLENN W. REED
Glenn W. Reed,
(Attorney-in-Fact)
June 25, 2004
S-5
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EXHIBIT INDEX
4.1
Certificate of Incorporation of the Registrant (incorporated by
reference to Exhibit 4.1(i)(a) to the Registrant's Form S-8 (File No.
333-85113), filed August 13, 1999).
4.2
Amended and Restated By-Laws of the Registrant (incorporated by
reference to Exhibit 3.2(A) to Registrant's Quarterly Report on Form
10-Q (File No. 001-14953), for the quarter ended March 31, 2004.
5
Opinion of Counsel regarding legality of securities.
23.1
Auditors' Consent.
23.2
Auditors' Consent.
23.3
Consent of Counsel (included in Exhibit 5).
24
Power of attorney.