EXHIBIT 4.6d FOURTH AMENDMENT TO 4% CONVERTIBLE PROMISSORY NOTE

EXHIBIT 4.6d
                               FOURTH AMENDMENT TO
                         4% CONVERTIBLE PROMISSORY NOTE


         FOURTH AMENDMENT, dated as of November 21, 2006, TO 4% CONVERTIBLE
PROMISSORY NOTE, dated May 12, 2004, made by and between Delta Mutual, Inc., a
Delaware corporation, with its principal offices located at 111 North Branch
Street, Sellersville, PA 18960 (the "Borrower") and Neil Berman, an individual,
of 21346 St. Andrews Boulevard, # 421, Boca Raton, FL 33433 (the "Holder").
Capitalized terms used herein and not otherwise defined herein shall have the
meaning assigned to such term in the Original Note.

         WHEREAS, the Borrower and the Holder are parties to that certain 4%
Convertible Promissory Note, dated May 12, 2004, as amended, (the "Original
Note") pursuant to which the Borrower has borrowed the amount of $193,740 from
the Holder;

         WHEREAS, the Original Note provides that the Maturity Date shall be
November 28, 2006; and

         WHEREAS, the Borrower a