Exhibit 10.19


                          CONSULTING SERVICES AGREEMENT

THIS CONSULTING SERVICES AGREEMENT (THE "Agreement"), DATED April 16, 2004 is
made by and between Delta Mutual, Inc., a corporation organized under the laws
of the State of Delaware, having its principal office located at 111 North
Branch Street, Sellersville, PA 18960 ("Delta") and Basic Investors, Inc.,
having its principal address at 510 Broadhollow Road, Suite 306, Melville, NY
11747 ("Consultant").

      WHEREAS, Delta and the Consultant have been in discussions and
negotiations in connection with Consultant's offer to provide advisory services
to Delta which Delta has decided to accept; and

      WHEREAS, Delta and Consultant have agreed on the scope of the advisory
services Consultant shall render to Delta and the compensation that Delta shall
pay to the Consultant for such services and both parties desire to set forth in
this Agreement all the terms and provisions that shall govern their business
relationship.

      NOW, THEREFORE, in consideration of the mutual promises made by the
parties to each other, it is agreed as follows:

1.    APPOINTMENT Delta hereby appoints consultant to serve as an independent
      Consultant to Delta for the services described below for as long as this
      Agreement is in full force and effect, and Consultant hereby accepts such
      appointment.

2.    SCOPE OF SERVICES Delta and Consultant agree that Delta has retained
      Consultant to render Delta the following services:

      A.    To assist Delta in its development of marketing and strategic
            business plans and goals.

      B.    To provide strategic advisory and consulting services with respect
            to the exploration of strategic alternatives for maximum exposure in
            and penetration of Delta's target markets.

      C.    To organize periodic conference calls and meeting with
            representatives of potential strategic partners and marketing
            representatives and Delta client on a pre-approved basis.

      The foregoing are hereinafter generally referred to as "services".

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3.    COMPENSATION In consideration for Consultant's agreement to execute and
      deliver this Agreement with Delta, Delta agrees to issue to Consultant
      Four Hundred Thousand (400,000) shares of its restricted common stock. The
      Company agrees to issue a legal opinion on the restricted common stock at
      the end of the one year holding period.

4.    TERM AND TERMINATION Subject to earlier termination, the term of this
      Agreement hall begin on the date hereof and will continue in effect for a
      period of 12 months (the "Term"). Either party may terminate this
      Agreement upon thirty days prior written notice.

5.    INDEPENDENT CONTRACTOR STATUS Consultant agrees that they are an
      independent contractor and is not an employee of Delta and Consultant will
      not hold themselves out as such or as an agent or employee. Consultant has
      no authority or responsibility to enter into any contracts on behalf of
      Delta.

6.    CONFIDENTIAL INFORMATION/TRADE SECRETS During the course of the
      performance of the Services, Consultant may have access to, have disclosed
      to them, or otherwise obtain information which Delta identifies in writing
      or through labeling as being of a confidential and/or a proprietary nature
      to it (the "Confidential Information") Consultant shall use such
      Confidential Information solely in performance of their obligations under
      this Agreement and shall not disclose or divulge it to, or use for the
      benefit of, any third parties without Delta's written consent. Information
      shall not be deemed as confidential if such information is i) already
      known to Consultant free of any restrictions at the time it is obtained,
      ii) subsequently learned from an independent third party free of any
      restriction; or iii) available publicly.

7.    Publicity Consultant will not represent its business relationship with
      Delta or this Agreement to any persons or entities, publicly or privately
      in any term or to any extent, except as is described in Section 2 of this
      Agreement. Any press release or the public disclosure of this Agreement or
      of the business relationship between Consultant and Delta must e approved
      in advance thereof by both Consultant and Delta in writing. Neither party
      shall use the other's name, logo, trademarks, or service marks in any
      advertising, publicity releases, or in any other materials without that
      party's prior written approval.

8.    BEST EFFORTS Delta understands that Consultant shall utilize his best
      efforts in providing the Services set forth in Section 2. Delta fully
      understands that Consultant does not and cannot promise that any specific
      result will be achieved through engagement of Consultant. Furthermore,
      Delta understands that Consultant will never attempt to improperly
      influence any governmental or corporate official or entity or otherwise
      seek to accomplish any improper goal on behalf of Delta.

9.    DISPUTE RESOLUTION The parties agree that any and all disputes rising out
      of or relating to this Agreement shall be determined exclusively by
      confidential, final and binding arbitration in New York City in accordance
      with the American Arbitration Association, except that Delta and
      Consultant shall retain the right to seek injunctive and equitable relief
      for any actual or threatened breach of Sections 6 and 7 of this Agreement
      in any state, federal, or international court of competent jurisdiction.
      Without limitation of the foregoing, each party acknowledges that it is
      hereby waiving any right to have such dispute resolved by jury trial.

10.   AMENDMENTS No amendments or modifications shall be binding upon either
      party unless made in writing and signed by both parties.


IN WITNESS WHEREOF, the parties have executed this Agreement effective as of the
date and year first written above.


CONSULTANT:                               DELTA MUTUAL, INC.

BY: _____________________                 BY:__________________
Name:  Richard Belz                       Name:  Peter F. Russo
Title: Vice President                     Title: President & CEO


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