Exhibit 32.1

                           CERTIFICATION PURSUANT TO
                            18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with Quarterly Report of Triple-S Management Corporation (the
"Corporation") on Form 10-Q for the period ended June 30, 2003 as filed with the
United States Securities and Exchange Commission on the date hereof (the
"Report"), I, Ramon M. Ruiz Comas, President and Chief Executive Officer of the
Corporation, certify, pursuant to 18 U.S.C. section 1350, as adopted pursuant to
section 906 of the Sarbanes-Oxley Act of 2002, that, to the best of my
knowledge:

1.       The Report fully complies with the requirements of section 13(a) or
         15(d), as applicable, of the Securities Exchange Act of 1934; and

2.       The information contained in the Report fairly presents, in all
         material respects, the financial condition and results of operations of
         the Corporation.

Date: August 14, 2003                         By: /s/ Ramon Ruiz-Comas
                                                  ------------------------------
                                                  Ramon M. Ruiz-Comas, CPA
                                                  President and
                                                  Chief Executive Officer