UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D. C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)      November 6, 2013

AMERICAN INDEPENDENCE CORP.

(Exact name of registrant as specified in its charter)

Registrant's telephone number, including area code:  (212) 355-4141

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

□ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

□ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-2)

□ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

□ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13a-4(c))

Item 2.02 Results of Operations and Financial Condition.

The information set forth under this Item 2.02 (Results of Operations and Financial Condition) is intended to be furnished.  Such information, including the Exhibit attached hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference in such filing.

On November 6, 2013, American Independence Corp. issued a press release announcing results of operations for the three months and nine months ended September 30, 2013, a copy of which is attached as Exhibit 99.1.

Item 9.01 Financial Statements and Exhibits

(c)

Exhibits

Exhibit 99.1 - Press release of American Independence Corp., dated November 6, 2013.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

AMERICAN INDEPENDENCE CORP.

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Exhibit 99.1

NEWS RELEASE

AMERICAN INDEPENDENCE CORP. ANNOUNCES

2013 THIRD-QUARTER AND NINE-MONTH RESULTS

New York, New York, November 6, 2013.  American Independence Corp. (NASDAQ: AMIC) today reported 2013 third-quarter and nine-month results.

Financial Results

Net income attributable to AMIC amounted to $0.7 million ($.09 per share, diluted), for the three months ended September 30, 2013 compared to $1.0 million ($.12 per share, diluted) for the three months ended September 30, 2012.  Revenues increased to $37.6 million for the three months ended September 30, 2013 compared to revenues of $26.8 million for the three months ended September 30, 2012, primarily due to an increase in premiums.

Net income attributable to AMIC increased to $2.9 million ($.36 per share, diluted) for the nine months ended September 30, 2013 compared to $2.4 million ($.29 per share, diluted) for the nine months ended September 30, 2012.  Revenues increased to $110.3 million for the nine months ended September 30, 2013 compared to revenues of $72.5 million for the nine months ended September 30, 2012, primarily due to an increase in premiums.

Chief Executive Officer’s Comments

Roy Thung, Chief Executive Officer, commented, “Earned premium for medical stop-loss grew substantially over the same quarter last year and we expect approximately 25% growth for the business written on a direct basis in 2013 as compared to the prior year.  We attribute the growth in our direct distribution to our enhanced sales force, focused underwriting and employer groups moving from fully insured to self-funding as they consider alternatives as a result of health care reform.  Profitability of this line in respect of business written on a direct basis continues at expected levels.  We expect this growth to continue in 2014.  We are also encouraged by the growth in our pet insurance line and, as a result of an equity investment in a producer of non-subscriber occupational accident, we anticipate significant premiums from this new line of business in 2014.”

About American Independence Corp.

AMIC, through Independence American Insurance Company and its other subsidiaries, offers pet insurance, non-subscriber occupational accident, international coverages, small-group major medical and short-term medical.  AMIC provides to the

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individual and self-employed markets health insurance and related products, which are distributed through its subsidiaries IPA Family, LLC, healthinsurance.org, LLC, and IHC Specialty Benefits, Inc.  AMIC markets medical stop-loss through its marketing and administrative company IHC Risk Solutions, LLC.

Certain statements in this news release may be considered forward-looking statements, such as statements relating to management’s views with respect to future events and financial performance.  Such forward-looking statements are subject to risks, uncertainties and other factors that could cause actual results to differ materially from historical experience or from future results expressed or implied by such forward-looking statements.  Potential risks and uncertainties include, but are not limited to, economic conditions in the markets in which AMIC operates, new federal and state governmental regulation, AMIC’s ability to effectively operate, integrate and leverage any past or future strategic acquisition, and other factors which can be found in AMIC’s other news releases and filings with the Securities and Exchange Commission.  AMIC expressly disclaims any duty to update its forward-looking statements or earnings guidance, and does not undertake to provide any such guidance in the future.

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American Independence Corp.

Condensed Consolidated Statements of Income

(In thousands, except per share data)

(Unaudited)

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American Independence Corp.

Condensed Consolidated Balance Sheets

(In thousands, except per share data)

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