|Exhibit 32.1                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
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|Harry Lee Waterfield II and Raymond L. Carr, being the President and Chief Financial Officer and Vice President, respectively, of Kentucky Investors, Inc., hereby certify as of this 24th day of March, 2005, that the Form 10-K for the Year ended December 31, 2004 fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 and that the information contained in the Form 10-K fairly presents, in all material respects, the financial condition and results of operations of Kentucky Investors, Inc.
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|DATE: March 24, 2005                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
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|DATE: March 24, 2005