EXHIBIT 21

Subsidiaries of Registrant

	State of	Percentage
Company Name	Incorporation	Ownership
CICA Life Insurance Company of America (CICA)	Colorado	100% Direct
Citizens National Life Insurance Company (CNLIC)	Texas	100% Indirect
Computing Technology, Inc. (CTI)	Colorado	100% Indirect
Funeral Homes of America, Inc. (FHA)	Louisiana	100% Indirect
Insurance Investors, Inc. (III)	Texas	100% Indirect
Integrity Capital Corporation (ICC)	Indiana	87% Direct 13% Indirect
Integrity Capital Insurance Company (ICIC)	Indiana	100% Indirect
Ozark National Life Insurance Company (ONLIC)	Arkansas	100% Direct
Security Plan Life Insurance Company (SPLIC)	Louisiana	100% Indirect
Security Plan Fire Insurance Company (SPFIC)	Louisiana	100% Indirect