1
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                     FORM 15


   CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(G)
  OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS
       UNDER SECTIONS 13 AND 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934.

                        Commission File Number 001-12099

                             The Centris Group, Inc.
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)


 650 Town Center Drive, Suite 1600, Costa Mesa, California 92626, (714) 549-1600
- --------------------------------------------------------------------------------
         (Address, including zip code, and telephone number, including
             area code, of registrant's principal executive offices)

                     Common Stock, par value $0.01 per share
- --------------------------------------------------------------------------------
            (Title of each class of securities covered by this Form)

                                      None
- --------------------------------------------------------------------------------
           (Title of all other classes of securities for which a duty
              to file reports under Section 13(a) or 15(d) remains)

          Please place an X in the box(es) to designate the appropriate
         rule provision(s) relied upon to terminate or suspend the duty
                                to file reports:

         Rule 12g-4(a)(1)(i)        [X]            Rule 12h-3(b)(1)(i)       [X]
         Rule 12g-4(a)(1)(ii)       [ ]            Rule 12h-3(b)(1)(ii)      [ ]
         Rule 12g-4(a)(2)(i)        [ ]            Rule 12h-3(b)(2)(i)       [ ]
         Rule 12g-4(a)(2)(ii)       [ ]            Rule 12h-3(b)(2)(ii)      [ ]
                                                   Rule 15d-6                [ ]

Approximate number of holders of record as of the certification or notice
date:          one
       ----------------------

         Pursuant to the requirements of the Securities Exchange Act of 1934,
The Centris Group, Inc. has caused this certification/notice to be signed on its
behalf by the undersigned duly authorized person.

Date: December 20, 1999                    By:   /s/ Frank J. Bramanti
                                                --------------------------------
                                                Name:   Frank J. Bramanti
                                                Title:  Executive Vice President

Instruction: This form is required by Rules 12g-4, 12h-3 and 15d-6 of the
General Rules and Regulations under the Securities Exchange Act of 1934. The
registrant shall file with the Commission three copies of Form 15, one of which
shall be manually signed. It may be signed by an officer of the registrant, by
counsel or by any other duly authorized person. The name and title of the person
signing the form shall be typed or printed under the signature.