Exhibit 10.4 (c)

                               AMENDMENT TO
                         COST SHARING AGREEMENT


              This Amendment to Cost Sharing Agreement (the AAmendment@) is made
     as of  October  1,  1997,  by and among  Americo  Life,  Inc.,  a  Missouri
     corporation  (AAmerico@),  Great Southern Life Insurance Company, Premium a
     Texas corporation (AGreat Southern@),  Premium Financing Specialists, Inc.,
     a Missouri  corporation  (APFS@),  Landmark  Mortgage  Company,  a Missouri
     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  (APFS  Holding@),  and National
     Farmers Union Life Insurance  Company,  a Texas corporation  (collectively,
     the  foregoing  are referred to herein as the Existing  Parties@),  Americo
     Services,  Inc., a Missouri  corporation  (AASI@),  and The Ohio State Life
     Insurance Company, an Ohio corporation (AOSL@).

              WHEREAS,  the  Existing  Parties  entered  into that  certain Cost
     Sharing Agreement dated as of July 30, 1993, which agreement was amended as
     of August 29, 1997 (as amended, the AAgreement@); and

              WHEREAS,  because Great  Southern  purchased  all the  outstanding
     capital  stock of OSL  effective as of April 15, 1997,  and ASI is a wholly
     owned  subsidiary  of  Americo,  the  Existing  Parties  wish to amend  the
     Agreement  so that OSL and ASI will each  become a party to the  Agreement,
     and each of OSL and ASI desires to become a party to the Agreement;

              WHEREAS, because PFS and PFS Holding are no longer subsidiaries of
     Americo, the Existing Parties wish to amend the Agreement to remove PFS and
     PFS Holding 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, effective as of October 1, 1997:

                      (a) the  Existing  Parties  agree  that the  Agreement  is
              hereby amended to apply to OSL and ASI, and that OSL and ASI shall
              henceforth enjoy all rights of a ASubsidiary@ under the Agreement;
              and

                      (b) by their  respective  execution  and  delivery of this
              Amendment,  each of OSL and ASI  agree to be bound by the terms of
              the Agreement as a ASubsidiary@; and



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                      (c) the  Agreement  shall  cease  to  apply to PFS and PFS
              Holding,  and PFS and PFS Holding shall  thereafter have no rights
              or obligations under the Agreement.

              Except has herein  amended,  the  Agreement  shall  remain in full
     force and effect without change.

              IN WITNESS  WHEREOF,  the  Existing  Parties  and OSL and ASI 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

     AMERICO SERVICES, INC.                 LANDMARK MORTGAGE COMPANY

     By                                     By
         Name                               Name
         Title                              Title

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

     By                                     By
         Name                               Name
         Title                              Title

     NATIONAL FARMERS UNION                 THE OHIO STATE LIFE INSURANCE
     LIFE INSURANCE COMPANY                 COMPANY

     By                                     By
         Name                               Name
         Title                              Title

<PAGE>

     PREMIUM FINANCING                      PFS HOLDING, INC.
     SPECIALISTS, INC.

     By                                     By
         Name                               Name
         Title                              Title