Exhibit 6

SCHEDULE 13D JOINT FILING AGREEMENT

In accordance with the requirements of Rule 13d-1(k) under the United States Securities Exchange Act of 1934, as amended, and subject to the limitations set forth therein, the parties set forth below agree to jointly file the Schedule 13D to which this joint filing agreement is attached, and have duly executed this joint filing agreement as of the date set forth below.

IN WITNESS WHEREOF, the undersigned have caused this Agreement to be signed as of October 6, 2005.

GALINDO, ARIAS & LOPEZ
By:	/s/ Tomas Herrera
Name: Tomas Herrera
Title:  Partner

GALA MANAGEMENT SERVICES, INC.
By:	/s/ Tomas Herrera
Name: Tomas Herrera
Title:  Attorney-in-fact

GAMASE INSUREDS TRUST
By:	/s/ Tomas Herrera
Name: Tomas Herrera
Title:  Attorney-in-fact

REGAL TRUST (BVI) LTD.
By:	/s/ Tomas Herrera
Name: Tomas Herrera
Title:  Attorney-in-fact

CICA POLICYHOLDERS TRUST
By:	/s/ Tomas Herrera
Name: Tomas Herrera
Title:  Attorney-in-fact

GAMASE AGENTS TRUST
By:	/s/ Tomas Herrera
Name: Tomas Herrera
Title:  Attorney-in-fact

CICA ASSOCIATES TRUST
By:	/s/ Tomas Herrera
Name: Tomas Herrera
Title:  Attorney-in-fact