EXHIBIT 5.1

                       [LETTERHEAD OF MICHAEL PAIGE PLLC]


                                            October 22, 2004


Delta Mutual, Inc.
111 North Branch Street
Sellersville, PA 18950

Gentlemen:

          In connection with the Registration Statement on Form S-8 (the
"Registration Statement") of Delta Mutual, Inc., a Delaware corporation (the
"Company"), filed with the Securities and Exchange Commission (the "Commission")
in accordance with the Securities Act of 1933, as amended (the "Act"), and the
rules and regulations under the Act (the "Rules"), we have been requested by the
Company to furnish our opinion as to the legality of up to 10,000,000 shares of
Common Stock, par value $.0001 per share, of the Company ("Common Stock")
registered under the Registration Statement reserved for issuance under the
Company's 2004 Stock Option Plan (the "Plan"), the shares of Common Stock
issuable pursuant to the Plan being herein referred to as the "Shares".

          In connection with this opinion, we have examined originals or copies,
certified or otherwise identified to our satisfaction, of the following
documents (collectively, the "Documents"): (i) the Registration Statement on
Form S-8, (ii) the Articles of Incorporation of the Company, as amended on or
before today's date, (iii) the By-Laws of the Company, as amended on or before
today's date, (iv) the Plan, and (v) those corporate records, agreements and
other instruments of the Company, and all other certificates, agreements and
documents, that we have considered relevant and necessary as a basis for the
opinion expressed in this letter.

          In our examination of the Documents, we have assumed, without
independent investigation, the genuineness of all signatures, the enforceability
of the Documents against each party to them, the legal capacity of all
individuals who have executed any of the Documents, the authenticity of all
documents submitted to us as originals, the conformity to original documents of
all documents submitted to us as certified, photostatic, reproduced or conformed
copies of valid existing agreements or other documents and the authenticity of
all these latter documents. As to certain matters of fact, we have relied on
representations, statements or certificates of officers of the Company.

          Based upon the above, and subject to the stated assumptions, we are of
the opinion that, when respectively issued in accordance with the terms of the
Plan, the Shares will be duly authorized, validly issued, fully paid and
non-assessable.

                                      Very truly yours,

                                      /s/ MICHAEL PAIGE PLLC
                                      ----------------------------------
                                      MICHAEL PAIGE PLLC




                                       5