Consolidated Addendum and Amendment to Service Expense Reimbursement
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    Agreements by and among Certain Member Companies of Assurant Solutions,
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    CAI Credit Insurance Agency, Inc., and Affiliates Insurance Agency, Inc.
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This  Consolidated  Addendum and Amendment  ("Amendment") is entered into by and
among  certain  member  companies  of  Assurant  Solutions,  as set forth  below
(collectively  "Company"),  and their  affiliates  and  assigns,  and CAI Credit
Insurance Agency,  Inc., and Affiliates  Insurance Agency,  Inc.,  (collectively
"Customer"),  and their  affiliates and assigns,  and amends the Service Expense
Reimbursement  Agreements and the related Group  Experience  Rating  /Contingent
Compensation Addendums between the parties dated July 1, 1998 (respectively "CAI
Agreement" and "Affiliates Agreement" and collectively "Agreements").

Whereas,  the parties desire to modify certain  agreements  they have related to
investment income;

Now therefore, it is agreed by and between Company and Customer the following:

      1.    The effective date of this Amendment is April 1, 2004.

      2.    The  parties  agree to amend  Paragraph  I of the  Group  Experience
            Rating/Contingent  Compensation under both the CAI Agreement and the
            Affiliates  Agreement  to change the term of "one year" to "eighteen
            months" for the CD term for  establishment  of the interest rate for
            calculation of investment income in Paragraph I.

      3.    This  Amendment  shall not be construed to modify or amend any other
            terms or provisions of the Agreements unless set forth herein.



In  Witness  Whereof,  the  parties  hereto  have  executed  this  Amendment  on
_______4/1_______________, 2004.




   AMERICAN BANKERS LIFE ASSURANCE             CAI CREDIT INSURANCE AGENCY, INC.
        COMPANY OF FLORIDA

Signature:    /s/ Gary Bursevich               Signature:    /s/ David R. Atnip
         -----------------------------                  ------------------------

Printed Name: Gary Bursevich                   Printed Name: David R. Atnip
            --------------------------                     ---------------------

Witness:                                       Witness:
       -------------------------------                --------------------------

Date:         2/22/2005                        Date:         4/1/2004
    ----------------------------------             -----------------------------


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     VOYAGER PROPERTY & CASUALTY                      CONN APPLIANCES, INC.
             INSURANCE COMPANY

Signature:    /s/ Gary Bursevich               Signature:    /s/ David R. Atnip
         -----------------------------                  ------------------------

Printed Name: Gary Bursevich                   Printed Name: David R. Atnip
            --------------------------                     ---------------------

Witness:                                       Witness:
       -------------------------------                --------------------------

Date:         2/22/2005                        Date:         4/1/2004
    ----------------------------------             -----------------------------


RANCHERS & FARMERS COUNTY MUTUAL

Signature:    /s/ Charles D. Helton
         -----------------------------

Printed Name: Charles D. Helton
            --------------------------

Witness:
       -------------------------------

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


     AMERICAN BANKERS INSURANCE
          COMPANY OF FLORIDA

Signature:    /s/ Gary Bursevich
         -----------------------------

Printed Name: Gary Bursevich
            --------------------------

Witness:
       -------------------------------

Date:         2/22/2005
    ----------------------------------


AMERICAN RELIABLE INSURANCE COMPANY

Signature:    /s/ Arthur W. Heggen
         -----------------------------

Printed Name: Arthur W. Heggen, Assist. Secretary
            -------------------------------------

Witness:
       -------------------------------

Date:         3/15/2005
       -------------------------------

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