Item 5.03 Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year.

At the annual meeting of stockholders of Independence Holding Company (the "Company") held on June 15, 2012, the stockholders of the Company approved an amendment to the Company's restated certificate of incorporation to increase the number of authorized shares of common stock, par value $1.00 per share, from 20 million shares to 23 million shares, and the resultant increase in the aggregate number of shares of capital stock of the Company from 20.1 million shares to 23.1 million shares. The change became effective on June 18, 2012 when a Second Certificate of Amendment of Restated Certificate of Incorporation of the Company was filed with the Secretary of State of the State of Delaware.

The foregoing description of the amendment is qualified in its entirety by reference to the Company's Second Certificate of Amendment of Restated Certificate of Incorporation attached hereto as Exhibit 3.1 and incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(d)

Exhibits

3.1

Second Certificate of Amendment of Restated Certificate of Incorporation of Independence Holding Company, as filed with the Secretary of State of the State of Delaware on June 18, 2012.