Exhibit 10.3(b)
                                AMENDMENT TO
                      REIMBURSEMENT OF EXPENSE AGREEMENT


              This  Amendment  to  Reimbursement   of  Expense   Agreement  (the
     AAmendment@)  is made as of the 29th day of August,  1997,  by and  between
     FINANCIAL HOLDING CORPORATION, a Missouri corporation,  AMERICO LIFE, INC.,
     a Missouri  corporation,  GREAT  SOUTHERN LIFE INSURANCE  COMPANY,  a Texas
     corporation  (AGreat  Southern@),  PREMIUM FINANCING  SPECIALISTS,  INC., a
     Missouri corporation,  ARGUS HEALTH SYSTEMS,  INC., a Delaware corporation,
     UNITED FIDELITY LIFE INSURANCE COMPANY,  a Texas  corporation,  THE COLLEGE
     LIFE  INSURANCE  COMPANY  OF  AMERICA,  a Texas  corporation,  PFS  HOLDING
     COMPANY,  a Missouri  corporation,  LOYALTY LIFE INSURANCE COMPANY, a Texas
     corporation   (ALoyalty@),   COLLEGE  INSURANCE  GROUP,  INC.,  a  Missouri
     corporation,  NATIONAL  FARMERS  UNION  LIFE  INSURANCE  COMPANY,  a  Texas
     corporation, and FINANCIAL ASSURANCE INCORPORATED, a Texas corporation.

              WHEREAS,  the parties entered into that certain  Reimbursement  of
     Expense Agreement dated as of July 30, 1993 (the AAgreement@); and

              WHEREAS,  on August 29, 1997,  Great Southern  intends to sell all
     the outstanding stock of Loyalty to Healthcare COMPARE Corp.; and

              WHEREAS,  to  facilitate  such sale of stock,  the parties wish to
     amend the  Agreement  to remove  Loyalty  from the  Agreement in the manner
     provided herein;

              NOW,  THEREFORE,  in  consideration of the premises and other good
     and valuable consideration, the receipt and sufficiency of which are hereby
     acknowledged,  the parties hereto agree that,  effective as of the close of
     business on August 29, 1997, the Agreement shall cease to apply to Loyalty,
     and  Loyalty  shall  thereafter  have no  rights or  obligations  under the
     Agreement.

              IN  WITNESS  WHEREOF,   the  parties  hereto  have  executed  this
     Amendment as of the date first above written.


     AMERICO LIFE, INC.                        GREAT SOUTHERN LIFE INSURANCE
                                               COMPANY

     By                                        By
         Name                                  Name
         Title                                 Title

<PAGE>
     PREMIUM FINANCING                         FINANCIAL HOLDING CORPORATION
     SPECIALISTS, INC.

     By                                        By
         Name                                  Name
         Title                                 Title

     UNITED FIDELITY LIFE                      THE COLLEGE LIFE INSURANCE
     INSURANCE COMPANY                         COMPANY OF AMERICA

     By                                        By
         Name                                  Name
         Title                                 Title

     PFS HOLDING COMPANY                       LOYALTY LIFE INSURANCE COMPANY

     By                                        By
         Name                                  Name
         Title                                 Title

     NATIONAL FARMERS UNION                    COLLEGE INSURANCE GROUP, INC.
     LIFE INSURANCE COMPANY

     By                                        By
         Name                                  Name
         Title                                 Title

     ARGUS HEALTH SYSTEMS, INC.                FINANCIAL ASSURANCE
                                               INCORPORATED

     By                                        By
         Name                                  Name
         Title                                 Title