Exhibit 10.44

SCHEDULE OF NON-EMPLOYEE DIRECTORS' ANNUAL COMPENSATION

EFJ, INC. BOARD OF DIRECTORS
2005

|Annual Retainer                                |  | $24,000 per annum                                                                                                                                                                                                                                                                                                                                                                
|---------------------------------------------- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Board Meeting Fees                             |  | $1,500 per board meeting                                                                                                                                                                                                                                                                                                                                                         
|Audit Committee Meeting                        |  | $1,250 per audit committee meeting                                                                                                                                                                                                                                                                                                                                               
|Non-Audit Committee Meeting                    |  | $1,000 per non-audit committee meeting                                                                                                                                                                                                                                                                                                                                           
|Committee Chair Fee                            |  | $500 per meeting                                                                                                                                                                                                                                                                                                                                                                 
|Telephone Board Meeting                        |  | No expense                                                                                                                                                                                                                                                                                                                                                                       
|Stock Options                                  |  | Each current director receives an option to purchase 10,000 shares of EFJ stock annually on the day after the Annual Meeting of Shareholders at the market value of the stock on that date, pursuant to the 1996 Stock Incentive Plan. Option terms would
be same as for current employeesvesting one-fifth of the grant each year.                                             
|1999 Non-Employee Director Stock Purchase Plan |  | Each Eligible Non-Employee Director may elect to receive EFJ, Inc. common stock in lieu of cash board compensation, under the 1999 Non-Employee Director Stock Purchase Plan. The amount of common stock is determined upon the means the average of
the closing price of a share of Common Stock during the last 10 trading days preceding the last business day of the Quarter.

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