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                                                                   Exhibit 10.84

April 13, 2001

Bankers Insurance Group, Inc.
360 Central Avenue
St. Petersburg, Florida 33731

RE:  COMMITMENT TO ADVANCE SERVICE FEE PAYMENTS

WHEREAS, Insurance Management Solutions, Inc. ("IMS"), a wholly-owned
subsidiary of Insurance Management Solutions Group, Inc. ("IMSG"), is currently
providing insurance administration services to Bankers Security Insurance
Company ("BSIC"), First Community Insurance Company ("FCIC"), and Bankers
Insurance Company ("BIC") pursuant to separate insurance administration
services agreements (as amended to date, the "Services Agreements") all dated
January 1, 1998, between IMS and each of BSIC, FCIC and BIC (collectively, the
"Insurance Subsidiaries");

WHEREAS, BIC and FCIC are wholly owned by Bankers Insurance Group, Inc. ("BIG")
and BSIC is owned by both BIG and BIC;

WHEREAS, the Services Agreements provide that the Insurance Subsidiaries shall
advance such funds to IMS as IMS and the Insurance Subsidiaries may mutually
agree are reasonable necessary; and

WHEREAS, BIG, on behalf of the Insurance Subsidiaries, has agreed to advance up
to One Million Five Hundred Thousand Dollars ($1,500,000.00) per month to IMS
as prepayment of Service Fees due by the Insurance Subsidiaries under the
Services Agreements.

NOW, THEREFORE, IMS and BIG hereby agree as follows:

I.       Commitment to Advance Service Fee Payments:

         BIG agrees that, effective June 1, 2001, and continuing until December
         1, 2002, it shall advance upon demand such funds to IMS as IMS may
         request, up to a limit of One Million Five Hundred Thousand
         ($1,500,000.00) per month. Any funds advanced by BIG to IMS under this
         Letter Agreement shall constitute prepayment of, and be credited
         towards the Service Fees that will be due IMS for insurance
         administration services performed by IMS on

II.      Disclosure:

         The parties agree not to disclose the terms and conditions of this
         Letter Agreement to any third party, except (a) as required in the
         normal conduct of their respective businesses or (b) as required by
         law or regulation including, without limitation, any federal
         securities law or regulation.

III.     Legal Effect:

         This Letter Agreement shall constitute a definitive and binding
         agreement by and among the parties hereto.

         If you are in agreement with the foregoing, please indicate by signing
this Letter Agreement in the space set forth below.

                                          Sincerely,

                                          /s/ David M. Howard
                                          -------------------------------------
                                          David M. Howard, President
                                          Insurance Management Solutions, Inc.



Accepted and agreed to as of
this 13th day of April, 2001

IMS:
Insurance Management Solutions, Inc.

By: David M. Howard
   -----------------------------
As Its: President/CEO
       -------------------------
Date: 4/16/01
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BIG:
Bankers Insurance Group, Inc.

By: Edwin Hussemann
   -----------------------------
As Its: Treasurer
       -------------------------
Date: 4/16/01
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