EXHIBIT 10.6

                              CONSULTING AGREEMENT

This Agreement is between Asset Settlement Group, Inc. (formerly known as
AmeriFirst Funding Group, Inc.), 2015 A Osborne Rd., St. Marys, GA 31558,
(together with its affiliates "ASSG" ) and 21st Services, 200 South 6th St.,
Suite 350, Minneapolis, MN 55402, (together with its affiliates "21st).

                              W I T N E S S E T H:

WHEREAS, ASSG desires to assure itself of the Non-Exclusive services of 21st and
desires to enter into an Non-Exclusive Consulting Agreement of Services with
21st, upon the terms and conditions hereinafter set forth; and

WHEREAS, 21st is desirous of entering into such agreement of Consulting
Services;

NOW, THEREFORE, in consideration of this Agreement and the mutual promises and
covenants hereinafter set forth, ASSG agree as follows:

1.    Duties

      A.    ASSG shall submit viatical or senior settlement files, which include
            all medical and other information needed to produce a life
            expectancy estimate. ASSG warrants that such files fully contain
            accurate and complete information. Files may be transmitted
            electronically in a secure manner to Files@21st Services.com or in
            hard copy to 21st Services at 200 South 6th Street, Suite 350,
            Minneapolis, MN 55402 or to such addresses as 21st shall designate.
            Hard copy files shall consist of single sided copies. ASSG shall
            submit a volume of files and file sizes as shall be agreed upon by
            ASSG and 21st.

      B.    21st shall review submitted files in timely fashion. If necessary ,
            21st may contact attending physicians or providers to obtain
            clarification or verbal updates, provided files contain the
            respective physician or provider's name, address and phone number
            and provided files contain an authorization for release of
            information. However, ASSG shall be responsible for ordering any
            attending physician statements, paramedical exams or other medical
            or underwriting information that may be required.

      C.    Based on information included in files provided by ASSG, 21st will
            prepare a Life Expectancy Report, similar in format to sample
            report, Exhibit A, which is attached and incorporated into this
            agreement. Life Expectancy Reports shall include an estimate of life
            expectancy or "not predictable" if appropriate and 21st Services'
            Mortality Curve, except for certain short life

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            expectancy estimates and terminal evaluations where a Mortality
            Curve may not be available.

      D.    Life expectancy estimates (LE's) may be based on underwriting "table
            ratings" converted into LE's by use of mortality tables, statistical
            studies, and clinical judgment or by some combination of the above.
            21st will use its best professional judgment in estimating life
            expectancy. However, 21st will not be liable for the accuracy or
            appropriateness of any mortality tables used or for any mortality
            rating or estimated life expectancy provided; it being recognized
            that life expectancy estimates are by their very nature imprecise.

      E.    Only ASSG shall use the Life Expectancy Reports prepared for ASSG by
            21st. ASSG shall indemnify and hold 21st harmless from any third
            party who may, in whole or in part, directly or indirectly, rely on
            such reports prepared by 21st.

2.    Term. This Agreement shall become effective on September 15, 2005 and
      shall continue for a term of ninety (90) days. Thereafter, this Agreement
      shall renew automatically for subsequent ninety (90) day terms, unless
      terminated in writing by either party.

3.    Compensation. 21st will be paid $260.00 for each file reviewed of up to
      250 single sided pages subject to market price increase to other clients.
      There may be additional charges for files in excess of 250 single sided
      pages, which ASSG and 21st shall agree to before any analysis is begun.
      Also, ASSG shall reimburse 21st for any expenses it incurs in returning
      files to ASSG. 21st shall be compensated $130.00 for the re-review of a
      file, provided such re-review is requested within three (3) months of
      21st's initial review and the re-review results in no change to the
      initial life expectancy number. If the re-review results in a revised life
      expectancy estimate because of new medical information or the insured
      coming within six months of their next birthday, the full review cost of
      $260.00 will be invoiced. In either case, the life expectancy certificate
      will be current dated. Re-review of files submitted after three (3) months
      will be treated as a new submission. ASSG shall pay 21st within fifteen
      (15) days of receipt of any invoice for files reviewed. Past due bills
      shall bear interest at the rate of 1.5 % per month.

4.    Termination. After the initial ninety (90) day term, either party may
      terminate this Agreement upon giving fifteen (15) days advance written
      notice to the other party.

5.    Non-Solicitation. During the term of this Agreement and for a period of
      two years thereafter, ASSG and 21st agree not to solicit or interfere with
      the other party's employees, subcontractors or agents for employment or
      contracting without the express advance written approval of the other
      party. The parties further agree that any violation of this provision will
      be cause for entry of a preliminary, temporary or permanent mandatory or
      restraining injunctions,

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      orders, judgments or decrees as may be necessary to protect the
      non-defaulting party. In the event such action becomes necessary to
      enforce this provision of the agreement, the prevailing party shall be
      entitled to payment of its reasonable attorney's fees and court costs.

6.    Independent Contractor. It is understood and agreed that 21st is acting as
      an independent contractor in rendering services pursuant to this Agreement
      and its employees and subcontractors are not employees of ASSG. As an
      Independent Contractor, 21st retains sole and absolute discretion in the
      manner and means of providing the contracted services. ASSG shall not be
      responsible for payment of employment taxes or withholding of income or
      other taxes.

7.    Confidential Information.

      A.    It is recognized by each party to this Agreement that certain
            information, including but not limited to medical records of
            applicants, Life Expectancy Reports, business practices, proprietary
            know-how, marketing, pricing, financial information, customer lists
            and data (collectively "confidential information"), which is
            proprietary and non-public may be disclosed to the other party
            pursuant to the Agreement. ASSG and 21st agree that confidential
            information will only be available to officers, employees or agents
            of the parties who may be required to have access to such
            confidential information, in order to perform their duties under
            this Agreement and that confidential information will not be
            disclosed to any other person, firm or entity without obtaining the
            prior written consent of the other party.

      B.    21st may destroy all file materials reviewed after completion of its
            review. However, 21st may retain such files as long as it maintains
            adequate security over them.

8.    Any disputes relating to this Agreement will be governed by the laws of
      the State of Georgia, without regard to conflict of law provisions.
      Parties hereby agree that the venue for any legal proceedings relating to
      this Agreement will be held in the state or federal courts of the State of
      Georgia in Camden County.

9.    Any controversy or claim arising out of or relating to this contract, or
      the breach of this contract shall be settled by arbitration administered
      by the American Arbitration Association under its Commercial Arbitration
      Rules as amended, and judgment on the award rendered by an arbitrator(s)
      may be entered in any court having jurisdiction thereof. The prevailing
      party shall be entitled to payment of its reasonable attorney's fees and
      court costs.


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10.   This Agreement is expressly intended to govern the respective rights and
      duties of the parties both during the term of this Agreement and
      thereafter.

11.   Entire Agreement and Amendments. ASSG and 21st agree that this Agreement
      constitutes the entire agreement between them with respect to this subject
      matter. The terms and provisions of this Agreement shall not be changed,
      amended, waived, modified or terminated in any respect whatsoever, except
      by a written instrument executed by ASSG and 21st. This Consulting
      Agreement shall supersede all previous Consulting Agreements with ASSG
      which are substantially similar in scope of service.

In witness whereof, the parties have executed this Agreement as of September 21,
2005.

On behalf of                                 On behalf of
Asset Settlement Group, Inc.                 21st Services

/s/ Brittany Ellis                           /s/ Steven Walker
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Signature                                     Signature

Brittany Ellis                               Steven Walker
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Printed Name                                  Printed Name

President                                    Managing Director
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Title                                         Title