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

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


<P>
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<P>



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


<P align="center" style="font-size: 12pt">REGISTRATION STATEMENT UNDER


<DIV align="center" style="font-size: 12pt">THE SECURITIES ACT OF 1933</DIV>


<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="55%">
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    <TD width="47%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
</TR>
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<TR valign="bottom">
    <TD align="center" valign="top">DELAWARE<BR>
(State or other jurisdiction of<BR>
incorporation or organization)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">75-2044750<BR>
(IRS Employer<BR>
Identification No.)</TD>
</TR>

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</DIV>


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<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="55%">
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    <TD width="47%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
</TR>
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<TR valign="bottom">
    <TD align="center" valign="top">9151 GRAPEVINE HIGHWAY<BR>
NORTH RICHLAND HILLS, TX<BR>
(Address of principal executive offices)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">76180<BR>
(Zip Code)</TD>
</TR>

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</TABLE>
</DIV>



<P align="center" style="font-size: 10pt">UICI EMPLOYEE STOCK OWNERSHIP AND SAVINGS PLAN



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



<P align="center" style="font-size: 10pt">Glenn W. Reed, Esq.


<DIV align="center" style="font-size: 10pt">Executive Vice President and General Counsel</DIV>


<DIV align="center" style="font-size: 10pt">UICI</DIV>


<DIV align="center" style="font-size: 10pt">9151 Grapevine Highway</DIV>


<DIV align="center" style="font-size: 10pt">North Richland Hills, TX 76180</DIV>


<DIV align="center" style="font-size: 10pt">(817)&nbsp;255 5419</DIV>


<DIV align="center" style="font-size: 10pt">(Name, address, including zip code, and telephone number,</DIV>


<DIV align="center" style="font-size: 10pt">including area code, of agent for service)</DIV>



<P align="center" style="font-size: 10pt">Copy of all communications to:


<DIV align="center" style="font-size: 10pt">Robert J. Joseph, Esq.</DIV>


<DIV align="center" style="font-size: 10pt">Jones Day</DIV>


<DIV align="center" style="font-size: 10pt">77 W. Wacker Drive, Suite&nbsp;3500</DIV>


<DIV align="center" style="font-size: 10pt">Chicago, IL 60601</DIV>



<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%">
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<TR valign="bottom">
    <TD width="32%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&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="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="8%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&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>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</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>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</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>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</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="7"><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)</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="7"><B>Registration Fee</B><HR size="1" noshade></TD>
</TR>

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    <TD><DIV style="margin-left:10px; text-indent:-10px">Common Stock, $0.01
par value</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">3,000,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">21.99</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">65,970,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right">$</TD>
    <TD align="right">8,358</TD>
<TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>

<TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
<TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

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</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>

</TABLE>


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

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








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

<P><CENTER>
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</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="d16324exv5.htm">Opinion and Consent of Counsel</A></TD></TR>
<TR><TD colspan="9"><A HREF="d16324exv23w1.htm">Auditors' Consent</A></TD></TR>
<TR><TD colspan="9"><A HREF="d16324exv23w2.htm">Auditors' Consent</A></TD></TR>
<TR><TD colspan="9"><A HREF="d16324exv23w3.htm">Independent Reg. Public Acct. Firms' Consent-Plan</A></TD></TR>
<TR><TD colspan="9"><A HREF="d16324exv24.htm">Power of Attorney</A></TD></TR>
</TABLE>
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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">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Registration Statement covers 3,000,000 additional shares of Common
Stock, par value $0.01 per share of UICI (the &#147;Common Stock&#148;), which may be
offered or sold from time to time pursuant to the UICI Employee Stock Ownership
and Savings Plan (formerly the United Insurance Companies, Inc. Employee Stock
Ownership Plan). The Registrant previously registered the issuance of
4,110,000 shares of Common Stock in connection with the United Insurance
Companies, Inc. Employee Stock Ownership Plan on its Registration Statements on
Form S-8 (Registration No.&nbsp;333-19891 and 333-43736) as filed with the
Securities and Exchange Commission on January&nbsp;16, 1997 and August&nbsp;14, 2000.
The contents of Registration Statements No.&nbsp;333-19891 and 333-43736 are
incorporated by reference herein.

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<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="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" 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="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" 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="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" 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;</TD>
</TR>

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

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" 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; and</TD>
</TR>

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

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="right">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Plan&#146;s Annual Report on Form 11-K for the year ended
December&nbsp;31, 2003.</TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, each document filed by the Registrant or Plan pursuant to
Sections&nbsp;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.

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<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="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="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 consolidated financial statements and schedules of the Plan appearing
in Plan&#146;s Annual Report (Form 11-K) for the year ended December&nbsp;31, 2003, have
been audited by Whitley Penn, 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.

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<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 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.

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<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="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="90%">&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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">4.1</TD>
    <TD nowrap valign="top">&nbsp;</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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD 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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">4.2</TD>
    <TD nowrap valign="top">&nbsp;</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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD 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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">5</TD>
    <TD nowrap valign="top">&nbsp;</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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD 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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">23.1</TD>
    <TD nowrap valign="top">&nbsp;</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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD 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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">23.2</TD>
    <TD nowrap valign="top">&nbsp;</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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD 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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">23.3</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Independent
Registered Public Accounting Firms&#146; Consent (Plan)</TD>
</TR>

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



<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">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="90%">&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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">23.4</TD>
    <TD nowrap valign="top">&nbsp;</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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD 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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">24</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Power of attorney.</TD>
</TR>

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



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The registrant undertakes that it has submitted or will submit the Plan
and any amendments thereto to the Internal Revenue Service (&#147;IRS&#148;) in a timely
manner, and has made or will make all changes required by the IRS in order to
qualify the Plan.

<!-- 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="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" 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="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" 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>

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

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" 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>

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

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="right">B.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Subsequent Exchange Act Documents.</TD>
</TR>

</TABLE>

<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">


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



</TABLE>

<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 (and, where applicable, each filing of an employee benefit plan&#146;s
annual report pursuant to Section 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>
<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">C.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Indemnification.</TD>
</TR>

</TABLE>

<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 - 4
</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">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Registrant. 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.



<P align="left" style="margin-left:70%; font-size: 10pt">UICI

<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="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&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">By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ 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="left" valign="top"><HR size="1" noshade width="40%" align="left"></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="left" 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="left" 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



<P align="center" style="font-size: 10pt">RONALD L. JENSEN*


<DIV align="center" style="font-size: 10pt"><HR size="1" noshade width="40%" align="center"></DIV>


<DIV align="center" style="font-size: 10pt">Ronald L. Jensen,</DIV>


<DIV align="center" style="font-size: 10pt">Chairman of the Board and Director</DIV>


<DIV align="center" style="font-size: 10pt">June&nbsp;25, 2004</DIV>



<P align="center" style="font-size: 10pt">WILLIAM J. GEDWED*


<DIV align="center" style="font-size: 10pt"><HR size="1" noshade width="40%" align="center"></DIV>


<DIV align="center" style="font-size: 10pt">William J. Gedwed,</DIV>


<DIV align="center" style="font-size: 10pt">President, Chief Executive Officer and Director</DIV>


<DIV align="center" style="font-size: 10pt">June&nbsp;25, 2004</DIV>



<P align="center" style="font-size: 10pt">MARK D. HAUPTMAN*


<DIV align="center" style="font-size: 10pt"><HR size="1" noshade width="40%" align="center"></DIV>


<DIV align="center" style="font-size: 10pt">Mark D. Hauptman</DIV>


<DIV align="center" style="font-size: 10pt">Vice President and Chief Financial Officer</DIV>


<DIV align="center" style="font-size: 10pt">(Chief Financial and Accounting Officer)</DIV>


<DIV align="center" style="font-size: 10pt">June&nbsp;25, 2004</DIV>



<P align="center" style="font-size: 10pt">/s/ GLENN W. REED


<DIV align="center" style="font-size: 10pt"><HR size="1" noshade width="40%" align="center"></DIV>


<DIV align="center" style="font-size: 10pt">Glenn W. Reed</DIV>


<DIV align="center" style="font-size: 10pt">Executive Vice President, General Counsel and Director</DIV>


<DIV align="center" style="font-size: 10pt">June&nbsp;25, 2004</DIV>



<P align="center" style="font-size: 10pt">RICHARD T. MOCKLER*


<DIV align="center" style="font-size: 10pt"><HR size="1" noshade width="40%" align="center"></DIV>


<DIV align="center" style="font-size: 10pt">Richard T. Mockler,</DIV>



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


<DIV align="center" style="font-size: 10pt">June&nbsp;25, 2004</DIV>



<P align="center" style="font-size: 10pt">MURAL R. JOSEPHSON*


<DIV align="center" style="font-size: 10pt"><HR size="1" noshade width="40%" align="center"></DIV>


<DIV align="center" style="font-size: 10pt">Mural R. Josephson,</DIV>


<DIV align="center" style="font-size: 10pt">Director</DIV>


<DIV align="center" style="font-size: 10pt">June&nbsp;25, 2004</DIV>



<P align="center" style="font-size: 10pt">MICK THOMPSON*


<DIV align="center" style="font-size: 10pt"><HR size="1" noshade width="40%" align="center"></DIV>


<DIV align="center" style="font-size: 10pt">Mick Thompson,</DIV>


<DIV align="center" style="font-size: 10pt">Director</DIV>


<DIV align="center" style="font-size: 10pt">June&nbsp;25, 2004</DIV>



<P align="center" style="font-size: 10pt">DENNIS C. McCUISTION*


<DIV align="center" style="font-size: 10pt"><HR size="1" noshade width="40%" align="center"></DIV>


<DIV align="center" style="font-size: 10pt">Dennis C. McCuistion,</DIV>


<DIV align="center" style="font-size: 10pt">Director</DIV>


<DIV align="center" style="font-size: 10pt">June&nbsp;25, 2004</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="20%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="45%">&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">*By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ GLENN W. REED</TD>
</TR>

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


<DIV align="center" style="font-size: 10pt"><HR size="1" noshade width="40%" align="center"></DIV>


<DIV align="center" style="font-size: 10pt">Glenn W. Reed,</DIV>


<DIV align="center" style="font-size: 10pt">(Attorney-in-Fact)</DIV>


<DIV align="center" style="font-size: 10pt">June&nbsp;25, 2004</DIV>



<P align="center" style="font-size: 10pt">S - 6
</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 align="center" style="font-size: 10pt">SIGNATURES



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Plan. Pursuant to the requirements of the Securities Act of 1933, the
Administrative Committee appointed under the UICI Employee Stock Ownership and
Savings Plan has duly caused this registration statement to the signed on its
behalf by the undersigned, thereunto duly authorized, in the city of North
Richland Hills, state of Texas, on this 25th day of June&nbsp;2004.


<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top">&nbsp;</TD>
    <TD colspan="3">UICI EMPLOYEE STOCK OWNERSHIP<BR>
AND SAVINGS PLAN<BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD>&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000">/s/ Alan D. Tracy
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2">Alan D. Tracy&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2">Member of the Administrative Committee&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>

<!-- 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="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="90%">&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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">4.1</TD>
    <TD nowrap valign="top">&nbsp;</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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD 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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">4.2</TD>
    <TD nowrap valign="top">&nbsp;</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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD 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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">5</TD>
    <TD nowrap valign="top">&nbsp;</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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD 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 nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">23.1</TD>
    <TD nowrap valign="top">&nbsp;</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>
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    <TD align="left" valign="top">Independent Registered Public
Accounting Firms&#146; Consent (Plan)</TD>
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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
(State or other jurisdiction of
incorporation or organization)
75-2044750
(IRS Employer
Identification No.)
9151 GRAPEVINE HIGHWAY
NORTH RICHLAND HILLS, TX
(Address of principal executive offices)
76180
(Zip Code)
UICI EMPLOYEE STOCK OWNERSHIP AND SAVINGS PLAN
(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
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)
Per Share (2)
Price
Registration Fee
Common Stock, $0.01
par value
3,000,000
$
21.99
$
65,970,000
$
8,358
(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.
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
Independent Reg. Public Acct. Firms' Consent-Plan
Power of Attorney
Table of Contents
PART II
This Registration Statement covers 3,000,000 additional shares of Common
Stock, par value $0.01 per share of UICI (the "Common Stock"), which may be
offered or sold from time to time pursuant to the UICI Employee Stock Ownership
and Savings Plan (formerly the United Insurance Companies, Inc. Employee Stock
Ownership Plan). The Registrant previously registered the issuance of
4,110,000 shares of Common Stock in connection with the United Insurance
Companies, Inc. Employee Stock Ownership Plan on its Registration Statements on
Form S-8 (Registration No. 333-19891 and 333-43736) as filed with the
Securities and Exchange Commission on January 16, 1997 and August 14, 2000.
The contents of Registration Statements No. 333-19891 and 333-43736 are
incorporated by reference herein.
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;
(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; and
(e)
The Plan's Annual Report on Form 11-K for the year ended
December 31, 2003.
In addition, each document filed by the Registrant or Plan 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.
Table of Contents
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 consolidated financial statements and schedules of the Plan appearing
in Plan's Annual Report (Form 11-K) for the year ended December 31, 2003, have
been audited by Whitley Penn, 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 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
Independent
Registered Public Accounting Firms' Consent (Plan)
S - 2
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23.4
Consent of Counsel (included in Exhibit 5).
24
Power of attorney.
The registrant undertakes that it has submitted or will submit the Plan
and any amendments thereto to the Internal Revenue Service ("IRS") in a timely
manner, and has made or will make all changes required by the IRS in order to
qualify the Plan.
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;
(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.
S - 3
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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 (and, where applicable, each filing of an employee benefit plan's
annual report pursuant to Section 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 - 4
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SIGNATURES
The Registrant. 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,
S - 5
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Director
June 25, 2004
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 - 6
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SIGNATURES
The Plan. Pursuant to the requirements of the Securities Act of 1933, the
Administrative Committee appointed under the UICI Employee Stock Ownership and
Savings Plan has duly caused this registration statement to the signed on its
behalf by the undersigned, thereunto duly authorized, in the city of North
Richland Hills, state of Texas, on this 25th day of June 2004.
UICI EMPLOYEE STOCK OWNERSHIP
AND SAVINGS PLAN
By:
/s/ Alan D. Tracy
Alan D. Tracy
Member of the Administrative Committee
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
Independent Registered Public
Accounting Firms' Consent (Plan)
23.4
Consent of Counsel (included in Exhibit 5).
24
Power of attorney.