EXHIBIT 10.12
                                  -------------


             AGREEMENT, DATED JULY 1, 2002, BETWEEN THE COMPANY AND
                        TRIP MATE INSURANCE AGENCY, INC.


                    AGREEMENT FOR HEALTH INFORMATION SERVICES


          THIS  AGREEMENT  ("Agreement"),  effective  as of the 1st day of July,
2002,  is  entered  into  by and  between  MEDSTRONG  INTERNATIONAL  CORPORATION
("MIC"), a Delaware corporation, with its principal office located at 500 Silver
Spur Road,  Rancho  Palos  Verdes,  California  90274,  and TRIP MATE  INSURANCE
AGENCY, INC. ("TMI"), a Kansas corporation, with its principal office located at
9225 Ward Parkway, 2nd Floor, Kansas City, MO 64114 .

          WHEREAS, MIC is a member-based provider of health information services
to consumers;

          WHEREAS,  among the  services  provided by MIC is Patient Data Quickly
("TRAVELER  PDQ"),  a membership  program that allows  individuals  to store and
update their medical records online for  confidential and  instantaneous  future
access;

          WHEREAS,   TMI  is  an  administrator  of  travel  insurance  programs
("Plans") for the travel industry  underwritten by certain insurance  companies,
Monumental  Life  Insurance   Company,   Monumental  General  Casualty  Company,
Stonebridge  Casualty  Insurance  Company,  Life Investors  Insurance Company of
America and Kingsway  General  Insurance  Company,  here inafter  referred to as
"Insurers"; and

          WHEREAS,  TMI and MIC desire to make  TRAVELER  PDQ  available  to all
individuals that purchase Plans administered by TMI;

          NOW, THEREFORE, for good and valuable consideration,  receipt of which
is hereby acknowledged, the parties hereto agree as follows:

1.   OFFERING:
     --------

     Throughout  the term of this  Agreement,  TMI will  make  available  to all
     persons who  purchase a Plan a TRAVELER  PDQ  membership.  The TRAVELER PDQ
     membership  shall commence on the date the membership is registered after a
     Plan is  purchased  and shall  terminate on the earlier of (i) the date the
     trip  covered by any such Plan is  completed,  or (ii) the  termination  of
     coverage for an Insured under any such Plan.


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2.   PAYMENT:
     -------

a)   For the period from July 1, 2002 through and  including  December 31, 2002,
     TMI shall pay MIC an amount  equal  one-half of one  percent  (0.5%) of the
     total written  premiums  received by TMI for all persons reported to TMI as
     having purchased coverage under a Plan.

b)   Beginning January 1, 2003, said amount shall automatically  increase to one
     percent  (1.0%) of total  written  premiums as reported to TMI,  subject to
     adjustment as follows:  commencing on January 1, 2003,  and on each January
     1st and July 1st thereafter  (individually,  a "Review Date"),  MIC and TMI
     shall review the total number of Plan  purchasers who have been reported to
     TMI to determine the percentage of such purchasers who actually  registered
     their TRAVELER PDQ  memberships  with MIC. The initial review shall include
     all Plan  purchasers  who reported to TMI between July 1, 2002 and December
     31, 2002.

         All subsequent reviews shall include all Plan purchasers who were
         reported to TMI between January 1, 2003 and the date of such review.

         Upon determining such percentage, the amount paid by TMI to MIC for
         each TRAVELER PDQ membership shall be adjusted in accordance with the
         following:

         --------------------------------------------    -----------------------
         If registered memberships ratio is:             Then the fee to MIC is:
         --------------------------------------------    -----------------------
         Less than 10% registered                        1.0% of written premium
         --------------------------------------------    -----------------------
         At least 10% but less than 15% registered       1.5% of written premium
         --------------------------------------------    -----------------------
         15% or more registered                          2.0% of written premium
         --------------------------------------------    -----------------------

         All payment adjustments shall be effective as of the applicable Review
         Date forward and shall remain in full force and effect until the next
         Review Date.

c)   For all Plan purchases  reported to TMI in a given calendar month,  payment
     for the  corresponding  TRAVELER PDQ  memberships  shall be made to MIC not
     later than the thirty first (31st) day of the immediately succeeding month.
     It is understood and agreed by both parties that all such payments shall be
     made net of Plan cancellations reported to TMI.

d)   In addition to the adjustments  required under Section 2(b) above,  amounts
     to be paid to MIC by TMI may be further  adjusted  in  accordance  with the
     provisions of Section 4(c) relating to call center services.


3.   VOLUME ASSUMPTIONS:
     ------------------

     MIC has  entered  into  this  Agreement,  and  has  agreed  to the  payment
     structure set forth in Section 2 above,  in reliance on the  representation
     by TMI that it expects to  generate  not less than  Forty  Million  Dollars
     ($40,000,000) in annual written Plan premium for the 2003 calendar year. In
     the event that TMI generates  calendar year annual  written Plan premium of
     $35,000,000  or less for 2003,  the parties  agree to enter into good faith

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     discussions to re-negotiate  the financial terms of this Agreement.  In the
     event the  parties  are unable to reach an  agreement  to  renegotiate  the
     financial  terms,  MIC  may  elect  to  terminate  the  agreement  under
     Section  6.c.

4.   REGISTRATION:
     ------------

a)   MIC shall offer Plan purchasers the option of online  registration  through
     MIC's website.  Purchasers  electing to use this option shall receive their
     membership  numbers and  membership  cards  directly from MIC in electronic
     format.

b)   For  purchasers  electing  not to use online  registration,  TMI will offer
     telephonic  service through TMI's call center  facilities at TMI's expense.
     For  each  Plan  purchaser   electing  this  option  to  register   his/her
     membership,  MIC will  receive  registration  materials  directly  from the
     member to be registered  and will input the  information  into its database
     and shall  electronically,  or by mail or fax, send membership  numbers and
     membership cards directly to the so registered member.

         This method of registration and the corresponding responsibilities of
         each party under Section 4 (b) may be revised from time to time by the
         mutual written agreement of both parties.

c)   In the event that TMI is unable to provide the services detailed in Section
     4 (b),  and TMI  requests  MIC to use its call  center  for  such  purpose,
     amounts being paid by TMI to MIC for TRAVELER PDQ memberships in accordance
     with Section 2 hereof shall be doubled for so long as MIC shall be required
     to use its call center (i.e. if MIC was receiving 1.5% of written  premiums
     for each membership,  it shall receive 3.0% of written premiums during such
     period).

5.   ANNUAL MEMBERSHIPS:
     ------------------

a)   MIC will solicit all Plan purchasers for annual memberships and upgrades of
     their TRAVELER PDQ memberships at MIC's expense. The benefits, services and
     content of any such annual  memberships or upgrades of memberships  must be
     approved by TMI before its use by MIC to solicit Plan  purchasers.  Subject
     to the provisions of Section 5(b) below,  MIC shall pay TMI an amount equal
     to twenty  percent  (20%) of the purchase  price of any  membership  and/or
     upgrade of a  TRAVELER  PDQ  membership  by a Plan  purchaser  ("Membership
     Fee").  This  Membership  Fee shall be payable for any such  memberships or
     upgrades  for which  payment in full was received by MIC during the term of
     this Agreement.

b)   TMI  agrees  that  monies  due TMI under  Section 5, item (a) above will be
     subject to adjustment as follows:

     (i)   MIC will deposit monies due TMI under the provisions of Section 5 (a)
           for the period July 1, 2002 to December 31, 2003, and each successive
           calendar year, in a  fiduciary  bank account in trust for the benefit
           of TMI;

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     (ii)  The parties  shall compute the "Desired  Amount"  which is defined as
           follows:  "Desired   Amount"  means  the  total  amount   derived  by
           multiplying the number of registered members by $5.00.

     (iii) MIC will deduct  from any amount due under  Section 5 item (a) above,
           any negative difference  derived when subtracting the Desired Amount,
           as defined herein, from the compensation provided MIC under Section 2
           hereof,  for the period July 1, 2002 to December 31,  2003,  and each
           successive calendar year;

     (iv)  Any balance due after  adjustment as detailed in Section 5, items (b)
           (i) and (ii) shall be paid to TMI on or before  February 15, 2004 and
           on or before each successive February 15th.

6.   TERM AND TERMINATION:
     --------------------

a)   The initial term ("Initial Term") of this Agreement shall from July 1, 2002
     to June 30, 2005. Unless otherwise terminated pursuant to the terms hereof,
     this Agreement shall  automatically  renew for additional  one-year periods
     beginning July 1, 2005.

b)   Either party may terminate this Agreement,  without cause, as of the end of
     the  Initial  Term or any  renewal  term by giving  written  notice of such
     termination not less than ninety (90) days prior to the end of such term.

c)   MIC may  terminate  this  agreement in the event that TMI fails to generate
     calendar year annual  written plan premium of  $35,000,000 or add for 2003,
     or for a subsequent  calendar  year period,  by giving TMI ninety (90) days
     written notice of such termination.

d)   TMI may terminate  this agreement in the event that the ratio of registered
     memberships to the total number of plan purchasers is 2.50% or less for the
     twelve-month  period  ending  june 30,  2004 by giving MIC ninety (90) days
     written notice of such termination.

e)   This  agreement may also be terminated  immediately  upon written notice as
     follows:

     1)   by mutual written agreement of the parties;

     2)   If a party  commits  a  material  breach of this  Agreement,  and such
          breach is not cured for a period of 30 days  after  written  notice is
          given to the breaching  party  specifying the nature of the breach and
          requesting  that it be cured  within the thirty (30) day period to the
          satisfaction of the non-breaching party;

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     3)   In the event any party  files  bankruptcy,  becomes  insolvent,  has a
          receiver of its assets  appointed,  make a general  assignment for the
          benefit   of   creditors,   or  has  any   procedure   commenced   for
          reorganization of its affairs.

f)   Upon  termination  of this  Agreement  by  either  party,  all  obligations
     hereunder shall cease, except as follows:

     1)   that MIC will provide the contracted  member  services until such time
          as all memberships hereunder expire, and

     2)   that each party shall be entitled to receive any and all  compensation
          that became due the party prior to such termination.

7.   EXCLUSIVITY:
     -----------

     MIC hereby grants to TMI, throughout the Initial Term of this Agreement,
     and each successive term thereof the exclusive right to represent, sell and
     implement the TRAVELER PDQ program to the travel industry so long as TMI
     maintains the premium volumes set forth below.

     ----------------------------------   --------------------------------------
     For calendar year:                   Premium volume:
     ----------------------------------   --------------------------------------
     2003                                 $40,000,000
     ----------------------------------   --------------------------------------
     2004                                 $44,000,000
     ----------------------------------   --------------------------------------
     2005                                 $48,400,000
     ----------------------------------   --------------------------------------
     Each successive calendar year        10% increase in premium volume from
                                          prior year
     ----------------------------------   --------------------------------------


     Notwithstanding the foregoing, TMI acknowledges that, from time to time,
     MIC may seek TMI's written approval to offer the TRAVELER PDQ program
     through certain travel organizations. TMI hereby agrees to consider and
     respond to all such requests, in writing, within 20 days of receipt by TMI.

8.   PROMOTIONAL MATERIALS:
     ---------------------

a)   All  promotional and point of sale materials to be used by TMI with respect
     to the TRAVELER PDQ program  shall be produced at the sole cost and expense
     of  TMI.  MIC  shall  participate  with  TMI in  the  development  of  such
     promotional materials as TMI shall reasonably request.

b)   Any scripts,  advertising copy, brochures, and other marketing materials of
     any kind whatsoever,  whether written or oral, that include the name or any

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     trade  name,  trademark,  service  mark or other  proprietary  intellectual
     property of a party shall be approved by such party,  in writing,  prior to
     the use thereof,  except that no such material  shall include any reference
     to the Insurers or their products.

9.   INDEMNIFICATION:
     ---------------

     TMI agrees to indemnify and hold  harmless  MIC, its  officers,  employees,
     affiliates  and  agents,  from any and all  claims,  lawsuits  or  damages,
     (including any punitive or extra contractual  damages) or other liabilities
     resulting  from  the  acts or  omissions  of TMI,  its  affiliates,  or its
     officers,  employees or representatives,  in connection with this Agreement
     whether or not negligent, grossly negligent, intentional or otherwise.

     MIC agrees to indemnify and hold  harmless  TMI, its  officers,  employees,
     affiliates,   and  agents  from  any  and  all  claims,  lawsuits,  damages
     (including any punitive or extra contractual  damages) or other liabilities
     resulting  from  the  acts or  omissions  of  MIC,  its  affiliates  or its
     officers,  employees or  representatives in connection with this Agreement,
     whether or not negligent, grossly negligent, intentional or otherwise.

10.  CONFIDENTIALITY OF INFORMATION:
     -------------------------------

     Under  this  Agreement,  MIC  will  receive  information  from  TMI  or TMI
     customers which is personal and private information such as customer names,
     addresses and personal medical  information  ("Confidential  Information").
     MIC agrees that all Confidential  Information  shall be maintained with due
     regard for the individuals' right of confidentiality and in compliance with
     applicable federal and state privacy laws.

11.  INFORMATION AND REPORTS:
     -----------------------

a)   Each  payment  made  to MIC  pursuant  to  Section  2(d)  hereof  shall  be
     accompanied by a report prepared by TMI, in a format reasonably  acceptable
     to MIC,  containing such information as MIC shall  reasonably  request with
     respect to the purchasers of Plans for the corresponding month.

b)   Each payment made to TMI pursuant to Section 5 hereof shall be accompanied
     by a report prepared by MIC, in a format reasonably acceptable to TMI,
     containing such information as TMI shall reasonably request with respect to
     the annual memberships and/or upgrades of TRAVELER PDQ memberships by Plan
     purchasers for the corresponding period including, but not limited to:

          (i)  memberships  and  upgrades,  by month,  for  which  MIC  received
               payment in full during such period;

          (ii) cancellations,  by month, of previously reported  memberships and
               upgrades processed during such period; and

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          (iii) details of the calculation set forth in Section 5(b) herein.

12.  NOTICES:
     -------

     Any and all  notices  required to be given  under this  Agreement  or which
     either of the  parties  may desire to give shall be in writing and shall be
     served by (i) registered or certified mail, postage prepaid, return receipt
     requested, (ii) any recognized national or international overnight delivery
     service to the addresses set forth below, or (iii) via facsimile;

     Mr. Jerry Farrar, President/CEO            Mr. Bradley G. Finkle, President
     Medstrong International Corporation        Trip Mate Insurance Agency, Inc.
     500 Silver Spur Road, 3rd Floor            9225 Ward Parkway, 2nd Floor
     Rancho Palos Verdes, California 90274      Kansas City, MO 64114.
     Fax No: (310) 544-7100                     Fax No: (816) 523-3379

13.  ASSIGNMENT:
     -----------

     This Agreement shall not be assignable by either party without the express
     written consent of the other party, which consent may denied at the sole
     discretion of such other party.

14.  GOVERNING LAW; SECTION HEADINGS:
     -------------------------------

     The laws of the State of Kansas shall govern this Agreement. The section
     headings are for purposes of convenience only, and shall not be deemed to
     constitute a part of this Agreement or to affect the meaning of this
     Agreement in any way.


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         IN WITNESS WHEREOF, the duly authorized representatives of the parties
hereto have executed this Agreement, effective as of the date first set forth
above.


MEDSTRONG INTERNATIONAL CORPORATION


By:
   ----------------------------------

Name:
   ----------------------------------

Title:
   ----------------------------------

Date:
   ----------------------------------



TRIP MATE INSURANCE AGENCY, INC.

By:
   ----------------------------------

Name:
   ----------------------------------

Title:
   ----------------------------------

Date:
   ----------------------------------


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