EXHIBIT 10.4

EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT is made and entered into as of July 1, 1999 (the "Effective Date"), by and between INSWEB CORPORATION, a Delaware corporation
(the "Company"), and HUSSEIN A. ENAN (the "Employee").

Recitals

A.
The Employee is currently employed by the Company as its Chief Executive Officer pursuant to an Employment Agreement dated as of November 22, 1996 (the "1996 Agreement");

B.
The parties desire to terminate the 1996 Agreement and to continue the employment of the Employee as the Company's Chief Executive Officer upon the terms and conditions hereinafter
set forth. The employment of the Employee pursuant to this Agreement is hereinafter sometimes referred to as the "Employment."

NOW,
THEREFORE, in consideration of the agreements, representations and warranties contained in this Agreement, the Company and the Employee hereby agree as follows:

1.Duties, Term and Exclusive Employment.



2.Compensation and Benefits.In full and complete consideration for the Employment and each and all of the
services to be rendered by the Employee to the Company or any subsidiary or controlled

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affiliate of the Company (collectively, the "InsWeb Group"), the Employee shall be entitled to receive compensation and benefits as follows, except as otherwise provided in Paragraph 3 hereof:



3.Termination of Employment.The Employment may be terminated prior to the end of the term specified in
Paragraph 1.2 hereof upon the occurrence of any of the following:



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4.Expenses.The Company will reimburse the Employee for those customary, ordinary and necessary business
expenses incurred by him in the performance of his duties and activities on behalf of the Company or any other member of the InsWeb Group. Such expenses will be reimbursed upon presentation by the
Employee of appropriate documentation to substantiate such expenses pursuant to the policies and procedures of the Company governing reimbursement of business expenses to its executive employees. The
Employee shall present such documentation for any unreimbursed expenses not later than thirty (30) days after the termination of the Employment.

5.Authority; Noncompetition.The Employee warrants and represents to the Company that he has the full, complete
and entire right and authority to enter into the Employment and this Agreement, that he has no agreement, duty, commitment or responsibility of any kind or nature whatsoever with any other person,
corporation, partnership, firm, company, joint venture or other entity which would conflict in any manner whatsoever with any of his duties, obligations or responsibilities to the Company or any other
member of the InsWeb Group pursuant to the Employment and/or this Agreement, and that he is fully ready, willing and able to perform each and all of such duties, obligations and responsibilities. As a
condition of the Employment and of the Company's entering into this Agreement, the Employee hereby specifically agrees, covenants, warrants and represents that, during the Employment, he will not,
without the Company's express prior written consent, accept any employment, contractual or other relationship of any kind or nature whatsoever or engage in any association or dealing of any kind or
nature whatsoever with any person, corporation, partnership, firm, company, joint venture, or other entity, in competition with any business of the Company or any other member of the InsWeb Group
currently conducted or conducted during that period; provided that nothing in this Paragraph 5 shall prohibit the Employee from owning Permitted Shares.

6.Duties of the Employee After Any Notice of Termination of the Employment.Following any notice of termination
of the Employment, the Employee shall fully cooperate with the Company in all matters relating to the winding up of the Employee's work on behalf of the Company and the orderly transfer of all pending
work and of the Employee's duties and responsibilities to such other person or persons as may be designated by the Company in its sole discretion. Upon any termination of the Employment, the Employee
will immediately deliver to the Company any and all of the property of the Company or any other member of the InsWeb Group of any kind or nature whatsoever in the Employee's possession, custody or
control, including, without limitation any and all proprietary or confidential information of the Company.

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7.No Predatory Solicitation.During the Employment and for one (1) year following any termination of the
Employment (except a termination pursuant to Paragraphs 3.3 or 3.4 hereof), the Employee will not, without having received the Company's prior written permission to do so, directly or indirectly, on
his own behalf or in the service of others, solicit the employment of any of the officers, employees, consultants, agents and/or independent contractors of the Company or any other member of the
InsWeb Group or in any manner attempt to persuade any such person to discontinue any relationship with such entity. The Employee and the Company acknowledge that this Paragraph 7 is reasonable
and necessary for the protection of the trade secrets and proprietary information of InsWeb.

8.Arbitration.Except as otherwise expressly provided in this Agreement, any controversy, dispute and/or claim
in any manner arising out of or relating to this Agreement or the Employment shall be fully and finally resolved solely by binding arbitration conducted in accordance with the rules of the American
Arbitration Association in Redwood City, California. Judgment on any decision rendered by the arbitrator may be entered in any court having jurisdiction. All costs of the arbitration, including,
without limitation, the costs of any record or transcript of the arbitration proceedings, administrative fees, the fee of the arbitrator, the fees and expenses of the attorneys for each party and all
other fees and costs shall be borne by the party not prevailing in the arbitration, as determine by the arbitrator, or apportioned as the arbitrator shall determine if, in the judgment of the
arbitrator, neither party prevails. Except as otherwise expressly provided in this Agreement, the arbitration provisions set forth above in this Paragraph 8 are intended by the Employee and by
the Company to be absolutely exclusive for all purposes whatsoever and applicable to each and every controversy, dispute and/or claim in any manner arising out of or relating to this Agreement, and
the Employment, the meaning, application and/or interpretation of this Agreement, any breach or claimed breach hereof and/or any voluntary or involuntary termination of this Agreement with or without
cause, including, without limitation, any such controversy, dispute and/or claim which, if pursued through any state or federal court or administrative agency, would arise at law, in equity and/or
pursuant to statutory, regulatory and/or common law rules, regardless of whether such dispute, controversy and/or claim would arise in and/or from contract, tort or any other legal and/or equitable
theory or basis. The arbitrator who hears and decides any controversy, dispute and/or claim between the Company and the Employee shall, in determining a remedy, have jurisdiction and authority only to
award compensatory damages to make whole a party suffering foreseeable economic damages, and, other than foreseeable economic damages, the arbitrator
shall not have any authority or jurisdiction to make any award of any kind or nature whatsoever as compensation for any damages and/or any award of damages for pain and suffering, emotional distress
or any other kind or form of non-economic damages and/or non-foreseeable economic damages. Notwithstanding anything to the contrary contained in this Paragraph 8,
(i) the Company shall at all times have and retain the full, complete and unrestricted right to seek injunctive and other relief as provided in Paragraph 9 below, and (ii) the
Company and the Employee shall each retain the right to institute legal proceedings to recover monetary damages or seek other relief arising out of defamatory statements concerning such party made by
or on behalf of the other party.

9.The Company's Right to Injunctive Relief.The Employee recognizes, acknowledges and agrees that any breach or
any threatened breach of any Paragraph, term, provision or covenant of any of Paragraphs 5, 6, 7 or 8 of this Agreement or of any confidentiality agreement between the Company and the Employee would
cause irreparable injury to the Company which could not be adequately compensable in monetary damages and that the remedy at law for any such breach will be entirely insufficient and inadequate to
protect their legitimate interests. Therefore, the Employee specifically recognizes, acknowledges and agrees that the Company shall at any and all times be and remain fully entitled to seek and obtain
temporary, preliminary and permanent injunctive relief for any such breach or threatened breach from any court of competent jurisdiction. The prevailing party in any action instituted pursuant to this
Paragraph 9, or in any appeal from any arbitration pursuant to Paragraph 8

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hereof, shall be entitled to recover from the other party its reasonable attorneys' fees and other expenses incurred in such litigation.

10.Survival of Certain Provisions of this Agreement.Except as may otherwise be provided herein, each and all
of the terms, provisions and covenants of this Agreement shall, for any and all purposes whatsoever, survive any termination of the Employment, subject to the limitations and conditions set forth in
each separate provision, regardless of whether such termination is by the Employee, by the Company, by expiration or otherwise.

11.General.



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Mailed
notices to the Employee shall be addressed as follows:

Hussein A. Enan
320 Harcross Road
Woodside, CA 94062


Mailed
notices to the Company shall be addressed as follows:

InsWeb Corporation
901 Marshall Street
Redwood City, CA 94063
Attention: General Counsel


IN
WITNESS WHEREOF, the Company and the Employee have each duly executed this Agreement as of the date first set forth above.

| |  |                                   |  |                                   
| |  | --------------------------------- |  | ----------------------------------
| |  | INSWEB CORPORATION               
| |  | By:                               |  | /s/MARIAN C. TAYLOR               
| |  | Title:                            |  | SVP, General Counsel and Secretary
| |  |                                   |  |                                   
| |  | /s/HUSSEIN A. ENANHussein A. Enan

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