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EXHIBIT 23.1
CONSENT OF INDEPENDENT AUDITORS
We consent to the reference to our firm under the caption "Experts" in the
Registration Statement (Form S-8) pertaining to the UICI Agents' Total Ownership
Plan and UICI Agency Matching Total Ownership Plan, UICI Agents' Total Ownership
Plan II and UICI Agency Matching Total Ownership Plan II, UICI Agents'
Contribution to Equity Plan and Matching Agency Contribution Plan, UICI Agents'
Contribution to Account Plan and UICI Matching Company Contribution Plan, and
UICI Agents' Contribution to Account Plan II and UICI Matching Company
Contribution Plan II, and to the incorporation by reference therein of our
report dated April 4, 2000, with respect to the consolidated financial
statements and schedules of UICI included in its Annual Report on Form 10-K for
the year ended December 31, 1999, filed with the Securities and Exchange
Commission.
/s/ ERNST & YOUNG LLP
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ERNST & YOUNG LLP
Dallas, Texas
August 25, 2000
