Exhibit 10.43

AMENDMENT NO. 3

AMENDMENT NO. 3 dated as of February 2, 2007 between ASSURANT, INC. (d/b/a
Assurant Group), the Lenders executing this Amendment No. 3 on the signature
pages hereto and JPMORGAN CHASE BANK, N.A., in its capacity as Administrative
Agent under the Credit Agreement referred to below.

Assurant, Inc., the lenders party thereto (including the Lenders executing this
Amendment No. 3 on the signature pages hereto) and JPMorgan Chase Bank, N.A., as
Administrative Agent, are parties to a First Amended and Restated Credit
Agreement dated as of April 29, 2005 (as amended by Amendment No. 1 dated as of
August 10, 2005 and Amendment No. 2 dated as of April 17, 2006 and as modified
and supplemented and in effect from time to time, the “Credit Agreement”),
providing, subject to the terms and conditions thereof, for extensions of credit
to be made by said lenders to the Borrower in an aggregate principal amount not
exceeding $500,000,000 (subject to any increases effected pursuant to
Section 2.9 of the Credit Agreement).

The Borrower and the Lenders party hereto wish now to amend the Credit Agreement
in certain respects, and accordingly, the parties hereto hereby agree as
follows:

Section 1. Definitions. Except as otherwise defined in this Amendment No. 3,
terms defined in the Credit Agreement are used herein as defined therein.

Section 2. Amendments. Subject to the satisfaction of the conditions precedent
specified in Section 4 below, but effective as of the date hereof, the Credit
Agreement shall be amended as follows:

2.01. References Generally. References in the Credit Agreement (including
references to the Credit Agreement as amended hereby) to “this Agreement” (and
indirect references such as “hereunder”, “hereby”, “herein” and “hereof”) shall
be deemed to be references to the Credit Agreement as amended hereby.

2.02. Definitions. Section 1.1 of the Credit Agreement shall be amended by
amending the following definition in its entirety:

“Consolidated Adjusted Net Worth” means, as at any date of determination, the
sum of (a) the amounts that would, in accordance with GAAP, be included on the
consolidated balance sheet of the Borrower and its Subsidiaries as of such date
as total stockholders’ equity (including all “preferred stock” (other than
Disqualified Capital Stock and/or Hybrid Securities that are determined to be,
or that are treated as, “preferred stock”)), but excluding (i) treasury stock
and (ii) accumulated other comprehensive income (AOCI), and (b) the amounts of
all obligations of the Borrower and its Subsidiaries in respect of Disqualified
Capital

 

Amendment No.3

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Stock and/or Hybrid Securities to the extent, as at such date of determination,
such obligations would be excluded from the definition of “Indebtedness” by
virtue of the proviso contained in clause (xi) of such definition.

Section 3. Representations and Warranties. The Borrower represents and warrants
to the Lenders and the Administrative Agent, as to itself and each of its
Subsidiaries, that (a) the representations and warranties set forth in Section 4
of the Credit Agreement, are true and complete on the date hereof as if made on
and as of the date hereof (or, if any such representation or warranty is
expressly stated to have been made as of a specific date, such representation or
warranty shall be true and correct as of such specific date), and as if each
reference in said Section 4 to “this Agreement” (or words of similar import)
included reference to this Amendment No. 3 and (b) no Event of Default or
Potential Event of Default has occurred and is continuing on the date hereof.

Section 4. Conditions Precedent. The amendments set forth in Section 2 hereof
shall become effective, as of the date hereof, upon receipt by the
Administrative Agent of counterparts of this Amendment No. 3 executed by the
Borrower and Lenders party to the Credit Agreement constituting the Requisite
Lenders.

Section 5. Miscellaneous. Except as herein provided, the Credit Agreement shall
remain unchanged and in full force and effect. This Amendment No. 3 may be
executed in any number of counterparts, all of which taken together shall
constitute one and the same amendatory instrument and any of the parties hereto
may execute this Amendment No. 3 by signing any such counterpart. This Amendment
No. 3 shall be governed by, and construed in accordance with, the law of the
State of New York.

 

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IN WITNESS WHEREOF, the parties hereto have caused this Amendment No. 3 to be
duly executed and delivered as of the day and year first above written.

 

ASSURANT, INC. (d/b/a Assurant Group) By:  

 

Name:   Miles B. Yakre Title:   Senior Vice President & Treasurer

 

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LENDERS JPMORGAN CHASE BANK, N.A., individually and as Administrative Agent By:
 

 

Name:   Title:   CITICORP NORTH AMERICA INC. By:  

 

Name:   Title:   KEYBANK NATIONAL ASSOCIATION By:  

 

Name:   Title:   SUNTRUST BANK By:  

 

Name:   Title:   M&I MARSHALL & ILSLEY BANK By:  

 

Name:   Title:   By:  

 

Name:   Title:  

 

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U.S. BANK NATIONAL ASSOCIATION By:  

 

Name:   Title:   WACHOVIA BANK, NATIONAL ASSOCIATION By:  

 

Name:   Title:   CREDIT SUISSE FIRST BOSTON By:  

 

Name:   Title:   LEHMAN BROTHERS BANK, FSB By:  

 

Name:   Title:   MERRILL LYNCH BANK USA By:  

 

Name:   Title:   MORGAN STANLEY BANK By:  

 

Name:   Title:  

 

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WILLIAM STREET COMMITMENT CORPORATION (Recourse only to assets of William Street
Commitment Corporation) By:  

 

Name:   Title:   THE BANK OF NOVA SCOTIA By:  

 

Name:   Title:   UMB BANK, N.A. By:  

 

Name:   Title:   COMMERCE BANK, N.A. By:  

 

Name:   Title:  

 

Amendment No. 3

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