EXHIBIT 10.43

                                 THIRD AMENDMENT
                                       TO
                          THE LAW COMPANIES GROUP, INC.
                               401(k) SAVINGS PLAN

         THIS THIRD AMENDMENT to The Law Companies Group, Inc. 401(k) Savings
Plan (the "Plan"), made as of the day and year noted on the last page hereof,
by Law Companies Group, Inc. (the "Company"), to be effective as noted below.

                                                W I T N E S S E T H:

         WHEREAS,  the Company sponsors and maintains the Plan for the exclusive
benefit of its  employees  and their  beneficiaries,  and,  pursuant  to Section
12.2(a) thereof, the Company has the right to amend the Plan at any time; and

         WHEREAS,  the  Company  wishes  to amend  the Plan at this time for the
purpose of  clarifying  and modifying  the  eligibility  provisions of the Plan,
modifying the deferral  election  timing  provisions of the Plan,  and for other
purposes;

         NOW,  THEREFORE,  the Plan is hereby  amended as follows  effective  as
indicated below:

                                                         1.

         Section 1.41 of the Plan is amended to read as follows  effective as of
January 1, 1998:

                  1.41     Election Period shall mean:

                           (a) Prior to  January  1,  1998.  Prior to January 1,
                  1998,  Election  Period shall mean the periods  beginning with
                  the first full pay period  after each Trade Date and ending on
                  the last day before  the first full pay period  after the next
                  following  Trade Date. The first  election  Period shall begin
                  with  the  pay  period   beginning  on  November   25th.   Any
                  Participant Elective or Voluntary  Contribution elections made
                  and effective  prior to the Effective  Date of this Plan shall
                  remain  effective  until  November  24th, and may be effective
                  thereafter  in  accordance  with the  provisions  of this Plan
                  document.

                           (b)  On and  After  January  1,  1998.  On and  after
                  January 1, 1998,  Election  Period  shall,  with  respect to a
                  Participant,  mean the payroll pay periods of the  Employer of
                  such  Participant,  unless another period of time is chosen by
                  the Plan Administrator pursuant to Section 3.10(e).

                                                         2.

         Section 1.45 of the Plan is amended by adding a new paragraph (v) after
current paragraph (iv) to read as follows effective as of November 1, 1997:



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                     Third Amendment to 401(k) Savings Plan
                                     Page 3
                                    (v) Certain Other  Individuals.  Individuals
                           who  are  described   below  shall  not  be  Eligible
                           Employees and shall not be eligible to participate in
                           this Plan  notwithstanding any provision of this Plan
                           to the contrary:


                                            (A)  Individuals  who are classified
                                    by an Employer as an independent  contractor
                                    at the time of performing  services for such
                                    Employer,  as evidenced  by such  Employer's
                                    not  applying  federal  or state  income tax
                                    withholding to the remuneration paid to such
                                    individual;

                                            (B)   Individuals  who  have  agreed
                                    orally or in writing not to be eligible  for
                                    participation   in  this   Plan  or  in  any
                                    employee   benefit  pension  and/or  welfare
                                    benefit plans of a member of the  Controlled
                                    Group; and

                                            (C)  Individuals  who are performing
                                    services  for,  or  who  are  receiving  any
                                    remuneration   from,   any   member  of  the
                                    Controlled  Group  and  who  are not (at the
                                    time such  services  are  performed  or such
                                    remuneration was received)  classified by an
                                    Employer as an  Employee,  as  evidenced  by
                                    such  Employer's  not  applying  federal  or
                                    state income tax withholding to remuneration
                                    paid to such individual.

                                                         3.

         Section 1.45 of the Plan is amended by striking the phrase  "paragraphs
(i) through (iv) above" and inserting in lieu thereof the phrase "paragraphs (i)
through (v) above" effective as of November 1, 1997.

                                                         4.

         Subsection  (e) of Section 3.10 of the Plan is amended by inserting the
following sentence at the end thereof to read as follows effective as of January
1, 1998:

                  The Plan Administrator  shall also have complete discretion on
                  and after  January 1, 1998,  to modify the timing and duration
                  of Election  Periods;  provided,  however,  in no event may an
                  Election  Period be  shorter in  duration  than one week or be
                  longer in duration than one year.

                                                         5.

         Subsection (b) of Section 2.1 of the Plan is amended to read as follows
effective as of January 1, 1998:

                           (b) Employees after  Effective  Date.  Subject to the
                  special rules of Section 2.2 through 2.4 below,  each Employee
                  who is an Eligible  Employee,  and who is not a Participant on
                  the Effective  Date,  shall become a Participant  hereunder as
                  follows:



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                                    (i)  Prior  to  January  1,  1998.  Prior to
                           January  1, 1998,  such an  Employee  shall  become a
                           Participant   hereunder   on  the  first  Entry  Date
                           following  the  later of (A) the  date on  which  the
                           Employee  satisfies the  eligibility  requirement set
                           forth in subsection (c) below,  or (B) the Employee's
                           Employment  Commencement Date, provided such Employee
                           is still in the service of an Employer as an Eligible
                           Employee on such Entry Date,  irrespective of whether
                           such  Employee  makes,  or has in the past  made,  an
                           election  to  make  Elective   Contributions   and/or
                           Voluntary   Contributions  under  Section  3.1(b)  or
                           3.2(b).

                                    (ii) On and After  January 1,  1998.  On and
                           after January 1, 1998,  such an Employee shall become
                           a  Participant  hereunder  as of the first day of the
                           first pay period which follows by at least sixty (60)
                           days the later of (A) the date on which the  Employee
                           satisfies the  eligibility  requirement  set forth in
                           subsection   (c)   below,   or  (B)  the   Employee's
                           Employment  Commencement Date, provided such Employee
                           is still in the service of an Employer as an Eligible
                           Employee on such day,  irrespective  of whether  such
                           Employee  makes, or has in the past made, an election
                           to  make  Elective   Contributions  and/or  Voluntary
                           Contributions under Section 3.1(b) or 3.2(b).

                                                         6.

         All other provisions of the Plan not  inconsistent  herewith are hereby
confirmed and ratified.

         IN WITNESS WHEREOF,  this Third Amendment to the Plan has been executed
by the Company and its corporate seal attached  hereto this  ___________  day of
December, 1997.

                                    COMPANY:

[CORPORATE SEAL]                    LAW COMPANIES GROUP, INC.

                                    By: ___________________________________
                                    Title: ________________________________
ATTEST:


By: _________________________________
Title: ______________________________