Exhibit 10.2

  151 Farmington Avenue
Hartford, CT 06156

          John W. Rowe, M.D.     Chairman & CEO     860-273-4455 June 30, 2003  
Fax: 860-273-6872

David B. Kelso

Dear David:

In order to facilitate the continuation of our discussions, I believe that we
should change the notice period applicable to the extension of your employment
agreement. Accordingly, this letter is to evidence our mutual agreement to
reduce the 90 day written notice period specified in Section 1.02 of that
certain Employment Agreement dated as of September 13, 2001 by and between you
and the Company to a period of 30 days.

All capitalized terms used herein shall have the same meanings as set forth in
the Agreement.

Sincerely,

/s/: John W. Rowe

John W. Rowe, M.D.

Agreed:

/s/: David B. Kelso

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David B. Kelso

/s/: 6/30/03

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Date