Exhibit 10.18

                              CONSULTING AGREEMENT

This Consulting Agreement (the "Agreement") is made and entered into to be
effective as of March 21, 2004 (the "Effective Date") by and between DELTA
MUTUAL, INC. (THE "COMPANY") and CLARK STREET CAPITAL (THE "CONSULTANT").

WHEREAS:

A.    The Consultant has the business and financial expertise and experience to
      assist the Company, and

B.    The Consultant is offering its services as a consultant to the Company;
      and

C.    The Company desires to retain the Consultant as an independent consultant
      and to memorialize the Consultant's work for the Company by entering into
      this written Agreement. D. The parties agree that this Agreement reflects
      the entire understanding and agreements between the parties hereto.

NOW, THEREFORE, in consideration of the premises and promises, warranties and
representations herein contained, it is agreed as follows:

      1.    DUTIES. The Company hereby engages the Consultant and the Consultant
            hereby accepts engagement as a consultant. It is understood and
            agreed, and it is the express intention of the parties to this
            Agreement, that the Consultant is an independent contractor, and not
            an employee or agent of the Company for any purpose whatsoever.
            Consultant shall perform all duties and obligations as described on
            Exhibit A hereto and agrees to be available at such times as may be
            scheduled by the Company. It is understood, however, that the
            Consultant will maintain Consultant's own business in addition to
            providing services to the Company. The Consultant agrees to promptly
            perform all services required of the Consultant hereunder in an
            efficient, professional, trustworthy and businesslike manner. A
            description of the Consultant's services are attached hereto as
            Exhibit A and incorporated by reference herein. In such capacity,
            Consultant will utilize only materials, reports, financial
            information or other documentation that is approved in writing in
            advance by the Company.

      2.    CONSULTING SERVICES. For a period of one (1) year commencing on the
            Effective Date hereof (the "Consulting Period") and subject to prior
            termination has hereinafter provided in paragraph 6, the Consultant
            will be retained as a consultant and independent contractor for the
            Company. For services rendered hereunder, the Consultant shall
            receive a total of 400,000 SHARES OF DELTA MUTUAL COMMON STOCK (THE
            "SHARES"). All applicable federal, state and local taxes with
            respect to the Shares shall be the sole responsibility of the
            Consultant. This Consulting Agreement may be terminated as described
            in Section 6 below.

      3.    CONFIDENTIALITY. All knowledge and information of a proprietary and
            confidential nature relating to the company which the Consultant
            obtains during the Consulting period, from the Company or the
            Company's employees, agents or consultants shall be for all purposes
            regarded and treated as strictly confidential for so long as such
            information remains proprietary and confidential and shall be held
            in trust by the Consultant solely for the Company's benefit and use
            and shall not be directly or indirectly disclosed by the Consultant
            to any person without the prior written consent of the Company,
            which consent may be withhold by the Company in its sole discretion.

      4.    INDEPENDENT CONTRACTOR STATUS. Consultant understands that since the
            Consultant is not an employee of the Company, the Company will not
            withhold income taxes or pay any employee taxes on its behalf, nor
            will it receive any fringe benefits. The Consultant shall not have
            any authority to assume or create any obligations, express or
            implied, on behalf of the Company and shall have no authority to
            represent the Company as agent, employee or in any other capacity
            other than that as herein provided.

            The Consultant does hereby indemnify and hold harmless the Company
            from and against any and all claims, liabilities, demands, losses or
            expenses incurred by the Company if the Consultant fails to pay any
            applicable income and/or employment taxes (including interest or
            penalties of whatever nature), in any amount, relating to the
            Consultant's rendering of consulting services to the company,
            including any attorneys' fees or costs to the prevailing party to
            enforce this indemnification.

            The Consultant shall be responsible for obtaining workers'
            compensation insurance coverage and agrees to indemnify, defend and
            hold the Company harmless from any and all claims arising out of any
            injury, disability or death of the Consultant.

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      5.    REPRESENTATIONS AND WARRANTIES. For purposes of this Agreement, the
            parties represent and warrant as follows:

            a.    The Consultant (i) has adequate means of providing for the
                  Consultant's current needs and possible personal contingencies
                  (ii) is able to bear the substantial economic risks of an
                  acquisition of the Shares for an indefinite period, and (iii)
                  at the present time, can afford a complete loss of the Shares,
                  whether or not the Shares are sold.

            b.    The Consultant does not have a pre-existing personal or
                  business relationship with the Company or any of its directors
                  or executive officers, or by reason of any business or
                  financial experience or the business or financial experience
                  of any professional advisors who are unaffiliated with and who
                  are compensated by the company or any affiliate or selling
                  agent of the Company, directly or indirectly, that could be
                  reasonably assumed to have the capacity to protect the
                  Consultant's interests in connection with the investment in
                  the Company.

            C.    The Consultant is aware that the Articles of Incorporation and
                  Bylaws of the Company contain provisions that limit or
                  eliminate the personal liability of the officers, directors
                  and agents of the Company and indemnify such parties for
                  certain damages relating to the Company, including damages in
                  connection with the Shares and the good-faith management and
                  operation of the Company.

            d.    The Consultant has not been furnished with any offering
                  literature other than this document and the attached exhibits
                  ("Disclosure Materials") and the Consultant has relied only on
                  such written information to consider this Agreement.

            e.    The Company and its officers, directors and agents have
                  answered all inquiries that the Consultant has made of them
                  concerning the Company or any other matters relating to the
                  formation, operation and proposed operation of the Company and
                  the offering and issuance of common stock. No statement,
                  printed material or inducement which is contrary to the
                  information contained in the Disclosure Materials has been
                  given or made by or on behalf of the Company to the
                  Consultant.

            f.    The Consultant, if a corporation, partnership, trust or other
                  entity, is duly organized and in good standing in the state or
                  country of its incorporation and is authorized and otherwise
                  duly qualified to hold the Shares. Such entity has its
                  principal place of business as set forth on the signature page
                  hereof and has not been formed for the specific purpose of
                  acquiring the Shares unless all of its equity owners qualify
                  as accredited individual investors.

            g.    All information which the Consultant has provided to the
                  Company concerning the Consultant, the Consultant's financial
                  position and the Consultant's knowledge of financial and
                  business matters, or, in the case of a corporation,
                  partnership, trust or other entity, the knowledge of financial
                  and business matters of the person making the investment
                  decision on behalf of such entity, including all information
                  contained herein, is correct and complete as of the date set
                  forth at the end hereof and may be relief upon, and if there
                  should be any material adverse change in such information
                  prior to the issuance of the Shares, the Consultant will
                  immediately provide the Company with such information.

            h.    The Consultant certifies (i) that the taxpayer identification
                  number shown on the signature page of this Consulting
                  Agreement is true, correct and complete, and (ii) that the
                  Consultant is not subject to backup withholding as a result of
                  a failure to report all interest or dividends, or because the
                  Internal Revenue Service has notified the Consultant that the
                  Consultant is no longer subject to backup withholding.

            i.    In rendering the services hereunder and in connection with the
                  Shares, the Consultant agrees to comply with all applicable
                  federal and state securities laws, the rules and regulations
                  thereunder and the rules and regulations of the National
                  Association of Securities Dealers, Inc.

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      6.    TERMINATION. Either party may terminate this Agreement at anytime
            with or without cause by giving thirty (30) days written notice to
            the other party. Should the Consultant default in the performance of
            this Agreement or materially breach any of its provisions, the
            Company may, in its sole discretion, terminate this Agreement
            immediately upon written notice to the Consultant. Termination of
            this Agreement does not terminate the Shares issued to Consultant.

      7.    NO THIRD PARTY RIGHTS. The parties warrant and represent that they
            are authorized to enter into this Agreement and that no third
            parties, other than the parties hereto, have any interest in any of
            the services or the Shares contemplated hereby.

      8.    ABSENCE OF WARRANTIES AND REPRESENTATIONS. Each party hereto
            acknowledges that they have signed this Agreement without having
            relied upon or being induced by any agreement, warranty or
            representation of fact or opinion of any person not expressly set
            forth herein or in the Disclosure Materials. All representations and
            warranties of either party contained herein shall survive its
            signing and delivery.

      9.    NEW YORK LAW. This Agreement shall be governed by and construed in
            accordance with the laws of the State of New York.

      10.   ATTORNEYS' FEES. In the event of any controversy, claim or dispute
            between the parties hereto, arising out of or in any manner relating
            to this Agreement, including an attempt to rescind or set aside, the
            prevailing party in any action brought to settle such controversy,
            claim or dispute shall be entitled to recover reasonable attorneys'
            fees and costs.

      11.   ARBITRATION. Any controversy between the parties regarding the
            construction or application of this Agreement, any claim arising out
            of this Agreement or its breach, shall be submitted to arbitration
            in New York, New York before one arbitrator in accordance with the
            Commercial Arbitration Rules of the American Arbitration
            Association, upon the written request of one party after service of
            that request on the other party. The cost of arbitration shall be
            borne by the losing party. The arbitrator is also authorized to
            award attorneys' fees to the prevailing party.

      12.   VALIDITY. If any paragraph, sentence, term or provision hereof shall
            be held to be invalid or unenforceable for any reason, such
            invalidity or unenforceability shall not affect the validity or
            enforceability of any other paragraph, sentence, term and provision
            hereof. To the extent required, any paragraph, sentence, term or
            provision of this Agreement may be modified by the parties hereto by
            written amendment to preserve its validity.

      13.   NON-DISCLOSURE OF TERMS. Except as to the Securities and Exchange
            Commission, NASD, Internal Revenue Service, and New York State
            Franchise Tax Board and other taxing authorities or applicable
            government agencies, the terms of this Agreement shall be kept
            confidential, and no party, representative, attorney or family
            member shall reveal its contents to any third party except as
            required by law or as necessary to comply with law.

      14.   ENTIRE AGREEMENT. This Agreement contains the entire understanding
            of the parties and cannot be altered or amended except by an
            amendment duly executed by all parties hereto. This Agreement shall
            be binding upon and inure to the benefit of the successors, assigns
            and personal representatives of the parties.

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


DELTA MUTUAL, INC.                      CLARK STREET CAPITAL

By: /s/ Peter Russo                    By: /s/ Jeffrey R. Chicol
   ------------------------               --------------------------------------
Peter Russo-CEO                           Jeffrey R. Chicola- Managing Director
111 North Branch St.                      11 Broadway
Sellersville, Pa. 18960                   New York, N.Y. 10004
                                          Taxpayer ID No.:

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                                    EXHIBIT A

                       DESCRIPTION OF CONSULTING SERVICES

The Consultant agrees, to the extent reasonably required in the conduct of its
business with the Company, to place at the disposal of the Company its judgment
and experience and to provide business development services to the Company
including, but not limited, to, the following:

      (i)   review the Company's financial requirements;

      (ii)  analyze and assess alternatives for the Company's financial
            requirements;

      (iii) provide introductions to professional analysts and money managers;

      (iv)  assist the Company in financing arrangements to be determined and
            governed by separate and distinct financing agreements;

      (v)   provide analysis of the company's industry and competitors in the
            form of general industry reports provided directly to the Company;

      (vi)  Assist the Company in developing corporate partnering relationships;
            and

      (vii) Assist the Company in becoming initially listed on the American
            Stock Exchange, LLC.

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