<PAGE>
                                                                  EXHIBIT 10(s)
                           Amendment and Assignment

                      United HealthCare Insurance Company

                    American Association of Retired Persons

                      Trustees of the AARP Insurance Plan

                              AARP Services, Inc.


         This ASSIGNMENT is made and entered into as of the 28th day of
December, 1999, by and between the American Association of Retired Persons
("AARP"), the Trustees of the AARP Insurance Plan ("AARP Trust"), United
HealthCare Insurance Company ("United"), and AARP Services, Inc. ("Services").


                                   WITNESSETH


         WHEREAS, AARP has made available to its members a group Medicare
supplement, hospital indemnity and certain other medical insurance coverages and
other products from United (the "Program"); and

         WHEREAS, the Program is presently being made available pursuant to an
Agreement between the parties dated as of February 26, 1997 (the "United
Agreement"); and

         WHEREAS, AARP is desirous of restructuring its operational structure
whereby certain activities formerly conducted by AARP, including performance of
quality control operations, monitoring of service providers, and granting third
parties use of the AARP Mailing List, will in the future be conducted by
Services and no longer be conducted by AARP; and

         WHEREAS, AARP and United desire to assign certain of their respective
rights and obligations relating to quality control, monitoring and the AARP
Membership Information as set
<PAGE>
out in the United Agreement to Services, a wholly-owned subsidiary of AARP,
which subsidiary will carry out these activities formerly carried out by AARP.

NOW THEREFORE, IT IS AGREED:

1)   Attached hereto as Exhibit A is a copy of the United Agreement between
     AARP, the AARP Trust, and United effective as of February 26, 1997. By this
     Assignment, AARP assigns all of its rights, title and interests in such
     Agreement as they relate to quality control, monitoring and the AARP
     Membership Information, to Services, saving and excepting to itself those
     rights, title and interests contained in the Agreement relating to the
     exclusive right of AARP to its name, symbol, mark, logos, and acronym (the
     "AARP Marks") and the right of AARP to receive a royalty for the use of the
     AARP Marks. The Definitions as set out in Article 2 of the United Agreement
     are incorporated herein by reference to the extent that such Definitions
     are applicable. All other provisions of the United Agreement not assigned
     shall remain as set out in the United Agreement and shall control to the
     extent consistent with the terms of this Assignment.

2)   The allowances determined in accordance with Section 6.1 of the United
     Agreement and payable in accordance with Section 6.7 of the United
     Agreement shall be payable under the same terms and conditions by United to
     AARP.

3)   AARP hereby assigns and transfers to Services:

     a)  All of its rights, title and interests in the United Agreement as they
         relate to quality control and monitoring of the use by United of the
         AARP Marks.

    (b)  A license to use and sublicense the AARP names, addresses, and member
         identification number(s) (the "Membership Information").



                                      -2-

<PAGE>


     c)  Nothing herein shall be interpreted as AARP assigning those rights,
         title and interests contained in the United Agreement relating to the
         exclusive right of AARP to the AARP Marks and the right of AARP to
         receive a royalty for the use of the AARP Marks.

     d)  All rights, title and interests not assigned by this Assignment shall
         remain as set out in the United Agreement and shall control to the
         extent consistent with the terms of this Assignment.

4)   It is intent of the parties hereto that the payment made by United to AARP
     pursuant to the United Agreement and referred to as an allowance is a
     royalty and pursuant to this Assignment and the agreement referred to in
     this paragraph, the royalty is to be bifurcated into a payment to AARP
     Services for Quality Control and monitoring and to AARP for use of the AARP
     Marks. AARP shall grant United an exclusive license to use the AARP Marks
     by separate agreement. Such separate agreement shall obligate United to
     compensate AARP for the use of its intangible property by the payment of a
     royalty. A copy of such separate agreement is attached hereto as Exhibit B.

5)   The quality control, monitoring and AARP Membership Information rights and
     obligations set out in the United Agreement which are hereby transferred to
     Services are as follows:

     a)  Quality Control: Services shall be responsible for ensuring that United
         maintains all of the standards and meets all of the requirements set
         out in the United Agreement. Services shall be subject to the
         obligations of AARP contained therein. All reports required of United
         formerly to have been provided to AARP shall be provided by United to
         Services.


                                      -3-
<PAGE>
         b)   Monitoring: An activity of Quality Control consisting of the
              overseeing of operations as called for in the United Agreement.

         c)   Any and all rights of United to the AARP Membership Information
              are hereby transferred from AARP to Services. AARP has licensed
              the use of its member mailing list and Membership Information to
              Services by separate agreement with the right of Services to
              sublicense such information. Services hereby grants to United all
              rights to the Membership Information formerly granted to United by
              AARP pursuant to the United Agreement. Any and all approvals
              required of AARP as to the use of the Membership Information
              pursuant to the United Agreement shall be requested by United from
              Services.

         d)   All rights of United as to the Membership Information remain as
              they are set out in the United Agreement, with such rights to be
              provided by Services. United acknowledges Services as the
              successor to AARP for all purposes relating to Membership
              Information. Nothing in this Assignment Agreement shall grant to
              Services or United any rights whatsoever as to the AARP Marks.

6)       United shall pay to Services the sum of the following amounts as
         compensation:

         a)   For Membership Information, during the term of this Assignment,
              United shall pay to Services an amount equal to eight percent (8%)
              of the amount computed pursuant to Article 6 of the United
              Agreement.

         b)   For Quality Control services, United shall pay to Services an
              amount equal to Services' costs to perform such services, plus ten
              percent (10%). Services shall bill United for these services and
              payment shall be made within thirty (30) days.




                                      -4-
<PAGE>
         7)   Notices required or appropriate to be given under this Agreement
              shall be given as set out in the United Agreement, with a copy of
              all such notices:

              To Services:

              AARP Services, Inc.
              601 E Street, N.W.
              Washington, D.C. 20049
              FACSIMILE NUMBER: (202) 434-2339
              Attention: Steven Zaleznick, President

         8)   All representations, warranties and indemnifications made by the
              parties to the Agreement being amended are hereby incorporated by
              reference with modifications as necessary to result in Services
              assuming those representations, warranties and indemnifications of
              AARP to the extent they relate to the subject matter of this
              Amendment and Assignment, and Services being the beneficiary of
              those representations, warranties and indemnifications of the
              service provider to the extent they relate to the subject matter
              of the Amendment and Assignment.

         9)   This Agreement shall be binding upon and shall inure to the
              benefit of each of the parties hereto and their respective
              successors and assigns.







                                      -5-
<PAGE>
         10)  This Agreement may be executed in counterparts, each of which
              shall be deemed to be an original.

              IN WITNESS WHEREOF, the parties have executed this Agreement this
28th day of December, 1999.


American Association of Retired Persons

By:   /s/ Horace B. Deets
   ------------------------------------------

      Horace B. Deets, Executive Director



Trustees of the AARP Insurance Plan

By:   /s/ Illegible
   ------------------------------------------




United HealthCare Insurance Company

By:   /s/ Illegible
   ------------------------------------------



AARP Services, Inc.

By:   /s/ Steven Zaleznick
   ------------------------------------------
      Steven Zaleznick










                                      -6-
<PAGE>
                               ROYALTY AGREEMENT

                      United HealthCare Insurance Company
                    American Association of Retired Persons
                      Trustees of the AARP Insurance Plan

         This AGREEMENT is made and entered into as of the 28th day of December,
1999, by and between the American Association of Retired Persons ("AARP"), the
Trustees of the AARP Insurance Plan ("AARP Trust"), and the United HealthCare
Insurance Company ("Provider").

                                   WITNESSETH

         WHEREAS, AARP, the AARP Trust, and Provider are parties to an agreement
dated as of February 26, 1997 ("Agreement") under which AARP licenses its name,
symbol, mark, logos, service marks and acronym ("AARP Marks") to Provider, and
under which the Provider makes available services to AARP members. AARP receives
an allowance as compensation for such licenses under the Agreement.

         WHEREAS, AARP and the Provider have determined that the allowance for
the licenses is in fact a royalty.

         WHEREAS, AARP Services, Inc. ("Services") is a wholly-owned subsidiary
of AARP that is governed and operated separately and independently from AARP.

         WHEREAS, AARP, the AARP Trust, and the Provider have entered into an
assignment ("Assignment") with Services, under which AARP and the Provider have
assigned to Services certain of their rights, title and interests in the
Agreement, and, pursuant to such Assignment, AARP has reserved unto itself all
of its right, title and interest in the AARP Marks.

         WHEREAS, AARP has entered into an agreement with Services
("AARP-Services Agreement"), under which Services will fulfill all of the rights
and obligations of AARP as set out in the Agreement.
<PAGE>
         WHEREAS, AARP and the AARP Trust wish to enter into this royalty
agreement ("Royalty Agreement") with Provider, under which AARP solely licenses
the AARP Marks to Provider, and receives in return royalties solely for the use
of its intangible property.

         WHEREFORE, IT IS AGREED:

         1) To the extent that this Royalty Agreement modifies provisions of the
Agreement, this Royalty Agreement replaces and supersedes such provisions in the
Agreement relating to AARP's license to Provider of the AARP Marks, and the
right of AARP to receive a royalty for such license. All other provisions of the
Agreement shall remain in full force and effect. Should any provision of this
Royalty Agreement conflict with a provision of the Agreement and such provision
not relate to the license of the AARP Mark or payment therefore, the provision
of the Agreement shall control.

         2) AARP hereby grants and licenses to Provider the exclusive right to
use the AARP Marks, in connection with Provider's operation of the program
carried on by Provider as set forth in the Agreement.

         3) The license described in par. 2 above shall be for the time period
as set out in the Agreement.

         4) As payment for the use of the intangible rights described in Par. 2
above, Provider shall pay AARP a royalty fee of the amount as set out in Article
6 of the Agreement as an allowance, modified as follows:

              a) During the term of this Royalty Agreement, there shall be
              deducted by Provider from the amount due to AARP pursuant to
              Article 6 of the Agreement an amount equal to eight percent (8%)
              of such amount, plus any amount paid to


<PAGE>
              AARP Services for its quality control activities carried on to
              enable it to comply with its rights and obligations set out in the
              Assignment.

              b) It is the intent of the parties to this Royalty Agreement that
              the amounts due to AARP under this Royalty Agreement plus the
              amounts paid by Provider to AARP Services to enable it to fulfill
              its rights and obligations under the Assignment shall equal the
              amount which would have been paid to AARP under the Agreement.

         5) The foregoing royalty constitutes the sole and entire payment AARP
is entitled to receive hereunder or otherwise from Provider for the license
granted hereunder.

         6) Provider shall comply with the provisions of the Assignment; shall
furnish all necessary information to Services on a timely basis; and shall pay
Services for Service's activities in assisting Provider to comply with the
provisions of the Assignment.

         7) Should the Agreement be terminated pursuant to its terms, this
Royalty Agreement shall terminate at the same time.

         8) Any dispute arising out of or relating to this Royalty Agreement,
including, but not limited to, interpretation, validity, or breach of this
Royalty Agreement shall be resolved as if this Royalty Agreement was part of the
Agreement and the provisions of Article 11 of the Agreement applied.

         9) Neither AARP nor Provider are now, nor shall they become or be
considered as, either principal or agent of the other in connection with the
program as set out in the Agreement, nor shall AARP and Provider be joint
venturers or partners either in carrying out their respective duties and
obligations under this Royalty Agreement or for any other purpose. AARP is not
will it become or be considered, as having an ownership interest in the program
as set out in the

<PAGE>
Agreement, nor in Provider (except AARP is the sole and exclusive owner of all
proprietary and other property rights in interests in and to the AARP Marks)
and AARP shall not be liable or responsible in any such capacity or capacities.
Accordingly, Provider shall at no time and in no medium or manner state or
imply that the AARP has any such interest in or connection with, Provider or
the program as set out in the Agreement except that Provider may, in
promotional materials, describe or provide information about the license
granted hereunder.

         10) This Agreement constitutes the entire agreement among the parties
with respect to the matters treated herein and supersedes and replaces any prior
Agreement between the parties. Modifications or amendments to this Agreement
shall be effective only if in writing and signed by the parties.

         11) The parties shall keep each other reasonably informed about legal
or any other developments affecting the Program, shall cooperate with one
another to carry out and implement the terms and objectives of this Agreement
and shall perform such further acts, execute such further documents, and enter
into such further agreements as may be necessary or appropriate to these ends.
Without limiting the foregoing, each shall permit the other party (and its
authorized representatives) reasonable access to its files and records and shall
make available to the other party (and its authorized representatives)for
consultation responsible officials for the purpose of more fully carrying out
the terms and objectives of this Agreement, provided that the same be requested
during normal business hours and upon reasonable notice

         12) Provider may from time to time propose to AARP, for its approval,
additional products to include within the program.

         13) Notices required or appropriate to be given under this Agreement
shall be given as set out in the Agreement.


<PAGE>
         14) Whenever possible, each provision of this Agreement shall be
interpreted in such manner as to be effective and valid, but if any provision of
this Agreement shall be held to be prohibited or invalid, such provision shall
be ineffective only to the extent of such prohibition or invalidity, without
invalidating the remainder of such provision or the remaining provisions of this
Agreement. No failure on the part of any party to exercise, and no delay in
exercising, any right hereunder shall operate as a waiver thereof, nor shall any
single or partial exercise of any right hereunder by any party preclude any
other or further exercise of any other right and no waiver whatever shall be
valid unless in a signed writing, and then only to the extent specifically set
forth in such writing. No waiver of any right hereunder shall operate as a
waiver of any other or of the same or similar right on another occasion.

         15) The Article and Section headings contained in this Agreement are
not part of this Agreement, are for the convenience of reference only and shall
not affect the meaning, construction or interpretation of this Agreement.

         16) This Agreement shall be binding upon and shall inure to the benefit
of each of the parties hereto and their respective successors and assigns.

         17) This Agreement may be executed in counterparts, each of which shall
be deemed to be an original.

         IN WITNESS WHEREOF, the parties have executed this Agreement this 28th
day of December, 1999.


American Association of Retired Persons     Trustees of the AARP Insurance Plan


By: /s/ Horace B. Deets                      By:  /s/ Illegible
   -------------------------------------          ----------------------------
     Horace B. Deets, Executive Director              Illegible


United HealthCare Insurance Company


By:/s/ Illegible
   -------------------------------------
       Illegible
<PAGE>
             FOURTH AMENDMENT TO THE AARP HEALTH INSURANCE AGREEMENT



         This Fourth Amendment to the AARP Health Insurance Agreement (this
"Amendment"), dated as of December 18, 2001 (the "Effective Date"), is made by
and between AARP Services, Inc., a Delaware corporation ("ASI") and United
HealthCare Insurance Company, a Delaware corporation ("United"). The parties
hereto shall collectively be referred to as the "Parties."

                                    RECITALS

         A. The AARP, the Trustees of the AARP Insurance Plan, and United are
parties to a certain AARP Health Insurance Agreement dated as of February 26,
1997 (the "Original Agreement").

         B. The Original Agreement was first amended effective January 1, 1998,
to address the Medicare Select product (the "First Amendment").

         C. The Original Agreement was also amended effective January 1, 1998,
to address the Health Care Options Pharmacy Service offered to SHIP Pharmacy
Insureds (the "Second Amendment").

         D. By subsequent amendment and assignment on December 28, 1999, AARP,
AARP Trust and United agreed to the assignment to and assumption by ASI of
certain rights and obligations (the "Third Amendment").

         E. The Original Agreement and its subsequent amendments shall
hereinafter collectively be referred to as the "Agreement." Capitalized terms
not defined in this Amendment but defined in the Agreement shall have the
meanings set out therein.

         F. Since the execution of the Agreement, United, ASI and its
consultants have worked together to develop certain Developed Systems to support
the administration of the SHIP



                                       1

<PAGE>

Plans and the provision of Services, the costs of which were approved by ASI and
charged to the SHIP. The Developed Systems are set forth in more detail on
Exhibit 7.7.2 hereto.

         G. Section 7.7.2 of the Agreement provides that the Developed Systems
are to be owned as agreed among the Parties. In accordance with Section 7.7.2,
the Parties desire to provide a clear delineation of the rights of the Parties
with respect to the Developed Systems, as more fully set forth in this
Amendment.

         Now, therefore, the Parties agree as follows:

         A. Article 7 of the Agreement is amended by the addition of the
following subsections 7.7.2.1 through 7.7.2.5:

                  7.7.2.1. Approval. United shall not, alone or in conjunction
         with any other person or entity, license, sell or otherwise utilize the
         Developed Systems for the purpose of enabling or facilitating the
         provision of any service or product other than in connection with the
         SHIP without the prior written approval of ASI, such approval not to be
         unreasonably withheld.

                  7.7.2.2. Use of Developed Systems involving a Directly
         Competitive Service or Product Prohibited. United shall not, alone or
         in conjunction with any other person or entity, license, sell or
         otherwise utilize the Developed Systems for the purpose of enabling or
         facilitating the provision of any Directly Competitive Service or
         Product, unless the Parties mutually agree otherwise. A "Directly
         Competitive Service or Product" means the following services and
         products offered to or through any other




                                       2
<PAGE>

         group (other than AARP and its subsidiaries): Medicare supplement
         insurance, supplemental medical insurance, supplemental hospital
         indemnity insurance, long term care insurance, dental insurance,
         pharmacy services, vision services and any other services or products
         upon which the Parties mutually agree.

                  7.7.2.3. Compensation. The Parties hereby agree that a
         licensing fee shall be paid for any use, sale or license of the
         Developed Systems that is approved by ASI. The licensing fee shall be
         reimbursed to the SHIP in consideration of its capital investment in
         the Developed Systems. The amount of the licensing fee shall be as the
         Parties mutually agree and may take into account the following
         criteria: (a) utilization of hardware capacity (e.g., servers, computer
         systems, and network hardware) comprising the Developed Systems, (b)
         utilization of software capacity (e.g., database management systems,
         and modeling algorithms) comprising the Developed Systems, (c) direct
         expense of engineering resources comprising the Developed Systems, (d)
         direct expense of design resources comprising the Developed Systems and
         (e) consideration of the size or scope of the project involving the
         Developed Systems.

                  7.7.2.4. Budgetary Considerations. All costs, fees, and future
         funding provided with respect to the development of the Developed
         Systems shall be governed by ASI's budget and approval process for the
         SHIP; provided, however, that any such costs, fees, and funding which
         are required for the SHIP due to an Event of Force Majeure shall not be
         withheld.




                                       3
<PAGE>

                  7.7.2.5. Future Development. United may at any time
         independently develop systems, notwithstanding any prior exposure by
         its engineering team to the Developed Systems. However, unless approved
         by ASI pursuant to subsection 7.7.2.1 above, United may not utilize the
         proprietary customized source code and object code, hardware, custom
         software, copyrighted material and/or patented technology comprising
         the Developed Systems, except for the know-how, processes, and other
         intellectual property, including patentable or copyrightable materials
         developed, owned or possessed by United's contractors and embedded in,
         underlying or constituting a part of the Developed Systems, the right,
         title and interest of which did not pass to United.


                  B. Exhibit 7.7.2 is revised to read as set forth in the
         attached Exhibit 7.7.2, which is hereby incorporated by reference as
         the new Exhibit 7.7.2.

                  C. This Amendment shall survive termination of the Agreement;
         however, this Amendment does not supercede the termination provisions
         of Article 10.

         IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their duly authorized officers as of the date first set forth above.



AARP SERVICES, INC.


By:      _______________________________________

Print Name:       _________________________________


                                       4
<PAGE>


Print Title:      _________________________________



UNITED HEALTHCARE INSURANCE COMPANY

By:      __________________________________________

Print Name:       _________________________________

Print Title:      _________________________________





                                       5
<PAGE>


                                                                   EXHIBIT 7.7.2


I. Developed Systems

         Developed Systems are comprised of:

         A. The new SHIP policy administration system, which includes all
portions of the new SHIP policy administration system and any future
enhancements, augmentation or modifications made thereto, including hardware
(servers, desktop machines, and network infrastructure), systems software, and
applications software, developed, licensed or purchased by United, to date or in
the future, as replacement for the current SHIP ADMIN Policy Administration
System, and funded out of the SHIP ("COMPAS"). COMPAS supports or will support
four functional SHIP areas; member enrollment and maintenance; customer service
level II; fulfillment; and billing and collection (including plan and rate
structure, billing and premium calculation, and accounts receivable).

         B. All portions of the SHIP Claims system developed by United and
funded out of the SHIP.

         C. Other Business Transition-Related Systems -- All systems developed
or licensed to support the transition of non-Core SHIP business functions from
the Member Services Vendor to United, and funded by the SHIP.





                                       6
<PAGE>

             FIFTH AMENDMENT TO THE AARP HEALTH INSURANCE AGREEMENT


         AARP Services, Inc. ("ASI") and United HealthCare Insurance Company
("United") hereby agree to this Fifth Amendment of the AARP Health Insurance
Agreement entered into and dated as of February 26, 1997, and subsequently
amended, as set forth below:

A.       Article 2 of the Agreement is amended by the addition of the following
         Sections 2.126, 2.127 and 2.128:

         "2.126. AARP HealthLine Services means the services offered by United
         to SHIP Medicare Supplement Insureds as described in subsection
         3.2.2(i) and Exhibit 3.2.2(i) of the Agreement.

         2.127. AARP HealthLine Claim Savings means the savings, expressed in
         dollars, derived from SHIP Medicare Supplement Insureds' utilization of
         AARP HealthLine Services. This is calculated using a model described in
         Exhibit 2.127 hereto that is based on differences in level of service
         between an individual's intention regarding care before calling to the
         care that the individual actually received after calling, as verified
         through aggregate reporting to ASI.

         2.128. SHIP Medicare Supplement Insured means an individual who is
         insured under any SHIP Plan that is a Medicare supplement insurance
         plan, including prestandardized and standardized Medicare Supplement
         insurance and Medicare Select."


B.       Subsection 3.2.2(g) of the Agreement is deleted in its entirety and
         replaced with the following:

         "3.2.2(g).  Reserved."


C.       Subsection 3.2.2 of the Agreement is amended by the addition of new
         subparagraph (i) to read as follows:

         "(i) United shall make available to all SHIP Medicare Supplement
         Insureds access to the AARP HealthLine Services. The AARP HealthLine
         Services are set forth in Exhibit 3.2.2(i) which is attached hereto and
         made a part of the Agreement. Additionally, United agrees to the
         following:

         (1) Performance Standards. United shall meet or exceed the performance
         standards and measurements set forth in Exhibit 3.2.2(i)(1) in
         performing its obligations under this subsection.



                                       1
<PAGE>

D.       (2) Program Performance Evaluation. United shall conduct a program
         performance evaluation beginning at 18 months following the effective
         date of the Fifth Amendment. The performance evaluation will measure
         the following program components: utilization of service, including
         overall utilization and ratio of new users to repeat users; customer
         service, including average speed of answer, call abandonment rate,
         member satisfaction and retention, and complaint resolution; projected
         return on investment based on program usage by SHIP Medicare Supplement
         Insureds; cross referrals into other AARP Health Care Options products;
         and clinical call mix. The Parties agree that the results of such
         evaluation may necessitate changes to the program, which may be made
         upon mutual agreement except as set forth in subsection 10.2.3 below.

         (3) Training. United shall develop and implement, to the satisfaction
         of ASI, training for employees supporting the AARP HealthLine Services,
         which shall address the operation and provision of AARP HealthLine
         Services and areas of special concern when dealing with senior
         sensitivity and mature customers.

         (4) Reports. United shall provide monthly and quarterly reports to ASI,
         at intervals and in a format and medium to be agreed to by the Parties,
         to monitor and evaluate program performance. These reports shall
         include, but are not limited to reports on utilization of service,
         customer service, satisfaction, marketing results and analysis, and an
         aggregate report that verifies the elements of the AARP HealthLine
         Claim Savings Model.

         (5) Marketing Communications. United shall develop an annual AARP
         HealthLine Services marketing plan which shall be submitted to ASI for
         its review and approval. United shall communicate the availability and
         benefits of the AARP HealthLine Services in existing AARP member
         communications. United shall adhere to the then-current AARP Health
         Care Options review and approval process for all written or scripted
         oral marketing, promotional, member and all other communications which
         shall be disseminated to SHIP Medicare Supplement Insureds or the
         general AARP membership describing the AARP HealthLine Services
         ("Promotional Materials"). United shall use the product name designated
         by ASI when providing AARP HealthLine Services under this Agreement.

         (6) Additional Promotional Materials. In addition to the communications
         described in subsection 3.2.2(i)(5) above, United shall communicate in
         writing the availability and benefits of the AARP HealthLine Services
         at least two (2) times per year through the following Promotional
         Materials ("Additional Promotional Materials"): welcome packet and
         reminder postcards or other mailings. United shall receive *** for each
         active SHIP Medicare Supplement Insured per month for the term of this
         Amendment to produce and mail the Additional Promotional Materials.
         This charge is in addition to the compensation set forth in section
         6.11."

         (7) Subcontract. Certain of the AARP HealthLine Services shall be
         provided by Optum pursuant to an agreement between United and Optum, an
         executed copy of which shall be provided to ASI ("Optum Services
         Agreement"). ASI shall have the right to review and approve any
         proposed changes to the Optum Services Agreement.


***   Represents text deleted pursuant to a confidentiality treatment request
      filed with the Securities and Exchange Commission pursuant to Rule 24b-2
      under the Securities Exchange Act of 1934, as amended.


                                       2
<PAGE>

E.       Section 6.10 of the Agreement is amended by deletion of the reference
         to "care coordination programs."

F.       Article 6 of the Agreement is amended by the deletion of subsection
         6.10.2.

G.       Article 6 of the Agreement is further amended by the addition of the
         following new section 6.11, inclusive of subsections 6.11.1 through
         6.11.4:

         "6.11 AARP HealthLine Services. Compensation for the AARP HealthLine
         Services shall be paid as follows:

         6.11.1 For the first year that the Fifth Amendment is in effect ("Year
         One"), United shall be paid *** for each active SHIP Medicare
         Supplement Insured per month. If, at the end of Year One, the AARP
         HealthLine Claim Savings total *** or more, United shall be paid an
         additional *** for each active SHIP Medicare Supplement Insured per
         month for Year One. United's compensation under this subsection shall
         be treated as a Pass-Through Expense. Refer to Exhibit 6.11 for a table
         that displays United's compensation under this subsection.

         6.11.2 For the second year that the Fifth Amendment is in effect ("Year
         Two"), United shall be paid *** for each active SHIP Medicare
         Supplement Insured per month. If, at the end of Year Two, the AARP
         HealthLine Claim Savings total *** or more for Year Two, United shall
         be paid an additional *** for each active SHIP Medicare Supplement
         Insured per month for Year Two. United's compensation under this
         subsection shall be treated as a Pass-Through Expense. Refer to Exhibit
         6.11 for a table that displays United's compensation under this
         subsection.

         6.11.3 Utilization. The projected annual utilization rate of the AARP
         HealthLine Services is *** of the total number of SHIP Medicare
         Supplement Insureds. In the event that the actual utilization rate for
         Year Two or any subsequent year is above *** but below ***, United's
         compensation shall be reduced by *** per active SHIP Medicare
         Supplement Insured per month for the applicable year. In the event that
         the actual utilization rate for Year Two or any subsequent year is ***
         or below, United's compensation shall be reduced by *** per active SHIP
         Medicare Supplement Insured per month for the applicable year.

         6.11.4 Compensation to ASI. In consideration of the services that ASI
         performs, including administration and oversight responsibilities
         relating to member communications, marketing and operations, ASI shall
         be paid as follows: $200,000 per year if there are less than 2,200,000
         SHIP Medicare Supplement Insureds eligible for AARP HealthLine
         Services; $250,000 per year if there are between 2,200,000 and
         2,600,000 eligible SHIP Medicare Supplement Insureds; or $300,000 per
         year if there are 2,600,000 or more eligible SHIP Medicare Supplement
         Insureds. ASI will be paid one-twelfth of its projected annual
         compensation by the 15th of each calendar month. Within sixty (60) days
         after the end of each calendar year, a reconciliation of the prior
         year's payments will be made. ASI's compensation shall be treated as a
         Pass-


***   Represents text deleted pursuant to a confidentiality treatment request
      filed with the Securities and Exchange Commission pursuant to Rule 24b-2
      under the Securities Exchange Act of 1934, as amended.



                                       3

<PAGE>

H.       Through Expense."


I.       Article 10 of the Agreement is amended by the addition of the following
         subsection 10.1.1:

         "10.1.1 The provisions of the Fifth Amendment shall become effective on
         January 1, 2002, shall remain in effect until December 31, 2003."


J.       Article 10 of the Agreement is further amended by the addition of the
         following subsections 10.2.1 and 10.2.2:

         "10.2.1 Termination for Breach. Any party may terminate the Fifth
         Amendment upon sixty (60) days prior written notice in the event of a
         material breach by another party, provided that such breach has not
         been cured to the non-breaching party's reasonable satisfaction within
         that sixty (60) day period. United's failure to meet or exceed the
         performance standards and measurements set forth in Exhibit 3.2.2(i)(1)
         for three (3) consecutive months or for three (3) months within any
         twelve (12) month period shall be considered a material breach.

         10.2.2 Termination in the event of Change in Law. The parties shall
         renegotiate the Fifth Amendment of this Agreement if any party would be
         materially adversely affected by continued performance as a result of
         (i) a change in law or regulation or (ii) a compliance requirement
         imposed by a governmental authority. The affected party must promptly
         notify the other parties of the change or compliance requirement, the
         material adverse affect, and its desire to renegotiate. If a new
         amendment is not executed within 60 days of the receipt of the
         renegotiation notice, the party materially adversely affected shall
         have the right to terminate the Fifth Amendment upon thirty (30) days
         prior written notice to the other parties. Any such notice of
         termination must be given within fifteen (15) days of the end of the
         sixty (60) day renegotiation period.

         10.2.3 Termination after Program Performance Evaluation. If the results
         of the Program Performance Evaluation described in subsection
         3.2.2(i)(2) are not satisfactory to ASI, ASI may discontinue the AARP
         HealthLine Services and terminate this amendment effective upon the
         expiration of the initial two-year term. ASI shall provide United
         written notice of this decision at least three (3) months prior to the
         expiration of the initial term."



                                       4

<PAGE>

IN WITNESS WHEREOF, the parties have caused this Amendment of the Agreement to
be executed by their duly authorized officers.









AARP SERVICES, INC.


By:_________________________________

Print Name:_________________________

Print Title:________________________




UNITED HEALTHCARE INSURANCE COMPANY


By:_________________________________

Print Name:_________________________

Print Title:________________________








                                       5
<PAGE>
                                                                   EXHIBIT 2.127

CONFIDENTIAL AND PROPRIETARY INFORMATION
OF OPTUM

                            AARP HealthLine Services

OPTUM RETURN ON INVESTMENT (ROI) ESTIMATION MODEL

A comprehensive and yet conservative approach is used to estimate a financial
return on investment for purchasers of Optum services. This approach creates a
dynamic computer-based actuarial model in spreadsheet format. The model uses
both default parameters derived from market segmented analysis of Optum's book
of business and customized parameters based upon the specific purchaser's
experience. The model's methodology is based on several years of research
development including empirical claims, clinical process, and survey studies.
Independent industry consultants have favorably reviewed this methodology.


WHAT DOES THE ROI MODEL MEASURE?

There are two principal components of economic return in the model that are
relevant to AARP HealthLine Services. These are "Care-path methodology"
(referred to as care-path) claims associated outcomes and service intervention
values.


1. Care-path Claims Associated Outcomes


This component of the model recognizes that symptom-based triage callers sort
into three basic clinical paths as a result of their interaction with Optum.
Care-path outcomes are measured using a two part longitudinal methodology. ***

***

***

***


2. Optum Service Intervention Value

This component addresses the value of Optum services that fall outside of
claims-associated savings. It is derived from conservative estimates of the cost
to provide these services if the customer were to build or buy a capability
equivalent to Optum. Types of services include health information nurse,
clinical updates, audio library, and administrative assistance and member
referrals.

                         How Valid is the ROI Estimate?

This is an estimation model used as a standardized tool for reporting ROI.
Comprehensive investigation of a population's actual health care claims
experience is very costly and difficult. Thus, it is not feasible to conduct
full-scale empirical investigations of the ROI factors on a routine basis for
customers. As an alternative, we use an empirical research base to guide the
assumptions underlying ROI estimates. Additionally, most variables in the model
can accept customer specific input values. Most importantly, the customer's
actual Optum utilization experience and Optum program costs are factored into
this ROI estimate.


ROI DATA SOURCES

***

***                                                  ***


***                                                  ***

***                                                  ***

***                                                  ***

***                                                  ***




***Represents text deleted pursuant to a confidentiality treatment request filed
with the Securities and Exchange Commission pursuant to Rule 24b-2 under the
Securities Exchange Act of 1934, as amended.


                                       1
<PAGE>
                                                                EXHIBIT 3.3.2(i)

                            AARP HealthLine Services

United offers AARP HealthLine Services to SHIP Medicare Supplement Insureds, as
described below. United partners with Optum, a division of United HealthCare
Services, Inc., to provide the AARP HealthLine Services. Optum shall make Optum
staff available to ASI should ASI have any concerns or questions regarding the
services.

AARP HealthLine Services exclude the provision of SHIP Plan information,
including by way of example SHIP Plan eligibility requirements and insurance
benefit information. Callers who inquire about SHIP Plan information will be
given the AARP Health Care Options toll-free telephone number.

I. AARP HEALTHLINE PRODUCT DESCRIPTION


                             NURSE ACCESS FEATURES:


o        "Live answer", toll-free telephone access to registered nurses, 24
         hours a day, 365 days a year

o        "Live answer", toll-free access to registered nurses who speak Spanish

o        Calls are handled by qualified nurses with RN certification and ongoing
         training

o        Help for emergencies, injuries and minor illnesses including immediate
         guidance and education

o        Wellness tip to all SHIP Medicare Supplement Insureds

o        General medical information for all types of health and medical
         questions

o        Decision support for certain high-cost, high-practice variation
         conditions

o        Self-care recommendations and education

o        Approximately 550 clinical guidelines approved by the Medical Director
         and the Medical Review Panel

o        National relay center for the hearing impaired

o        Computerized record system with online, clinical, administrative and
         resource data

o        Full-time medical director on staff

o        Comprehensive medical library and medical librarian

o        Language Line with access to over 120 languages

o        Ongoing quality management

o        Quarterly reports measuring utilization, impact and satisfaction of
         services

o        Information about prescription and over-the-counter medication usage,
         drug interactions, dosage and precautions



                      HEALTH INFORMATION LIBRARY FEATURES:


o        Over 1,000 recorded health messages

o        Over 700 topics which are of interest to seniors



                                       7

<PAGE>

o        Available 24 hours a day, 365 days a year

o        Toll-free 1-800 service

o        Easy access from any telephone nationwide

o        Ability to listen to an important or a complex topic multiple times

o        Ability to transfer to nurse from the library

o        Access to 500 health messages recorded in Spanish




                        AARP HEALTHLINE QUALITY STANDARDS


o        Frequent staff training on health and well-being issues specific to
         older callers

o        Ongoing development of medical triage & health information guidelines
         for age 50+ callers

o        Internal publication on health topics which relate to older Americans
         which is routed to all nurses so they are kept abreast of the latest
         news

o        Consulting geriatrician for guidelines and programs

o        AARP Quality Plan which tracks and reports AARP HealthLine program
         quality





                                       8

<PAGE>
                                                             EXHIBIT 3.2.2(i)(1)


                            QUALITY ASSURANCE PROGRAM
                     PERFORMANCE STANDARDS AND MEASUREMENTS

In performing United's obligations relating to AARP HealthLine Services, United
shall meet or exceed the following standards:


<TABLE>
<CAPTION>
CUSTOMER SERVICE                                           STANDARD                  MEASUREMENT
----------------                                           --------                  -----------
<S>                                                        <C>                       <C>
Average speed of answer                                    30 seconds or less        Call Center System
% Calls answered within 30 seconds                         greater than 90%          Call Center System
Abandonment rate                                            5% or less               Call Center System

COMPLAINT RESOLUTION


Member Complaints                                                                    Complaint Resolution
% resolved within 10 business days                         Greater than 90%          Database


SATISFACTION

% Satisfied Measured Quarterly                             At least 95%              Member Survey
</TABLE>








                                       9
<PAGE>

                                                                    EXHIBIT 6.11


           COMPENSATION TO UNITED UNDER SUBSECTIONS 6.11.1 AND 6.11.2


YEAR        AGGREGATE AARP    COMPENSATION TO UNITED**  COMPENSATION TO UNITED**
            HEALTHLINE CLAIM  IF AGGREGATE IS MET       IF AGGREGATE IS NOT MET
            SAVINGS
            ("AGGREGATE"*)

Year One    ***                       ***                           ***

Year Two    ***                       ***                           ***






* Aggregate is defined as the total AARP HealthLine Claim Savings derived from
the total Net Avoided Visits calculated in accordance with the model described
in Exhibit 2.127.

** Compensation shown is on a "per active SHIP Medicare Supplement Insured per
month" basis.














***   Represents text deleted pursuant to a confidentiality treatment request
      filed with the Securities and Exchange Commission pursuant to Rule 24b-2
      under the Securities Exchange Act of 1934, as amended.



                                       10
<PAGE>

             SIXTH AMENDMENT TO THE AARP HEALTH INSURANCE AGREEMENT

         This Sixth Amendment to the AARP Health Insurance Agreement (this
"Amendment"), dated as of December 23, 2002 (the "Effective Date"), is made by
and between AARP Services, Inc., a Delaware corporation ("ASI") and United
HealthCare Insurance Company, a Delaware corporation ("United"). The parties
hereto shall collectively be referred to as the "Parties".

                                    RECITALS

         WHEREAS, the AARP, the Trustees of the AARP Insurance Plan, and United
are parties to a certain AARP Health Insurance Agreement dated as of February
26, 1997 (the "Original Agreement").

         WHEREAS, by subsequent amendment and assignment on December 28, 1999,
AARP, AARP Trust and United agreed to the assignment to and assumption by ASI of
certain rights and obligations (the "Third Amendment") and, further, United,
AARP and AARP Trust executed a Royalty Agreement dated December 28, 1999
granting United a license to the AARP Marks defined therein and the amended and
assigned agreement is a part thereof.

         WHEREAS, in addition to the Third Amendment, four other amendments have
been made to the Original Agreement (collectively, the "Agreement").

         WHEREAS, due to changes in the marketplace and to more adequately
reflect the value of the AARP Marks, thereby creating greater royalty return to
AARP to support its social mission and strategic initiatives for all members,
the Parties now wish to amend






<PAGE>

the terms of the Agreement to reflect the agreement of the Parties regarding
AARP royalty compensation.

         NOW, THEREFORE, the Parties agree as follows:

      1. Subsection 6.1 of the Agreement is amended by deleting this
         subsection in its entirety and replacing it with following:

                  6.1 AARP Royalty. AARP shall be entitled to receive a royalty
                  for AARP's sponsorship of the SHIP and the license to use the
                  AARP Marks in connection therewith. This royalty shall be
                  3.25% of Member Contribution for Policy Year 2002 and 3.75% of
                  Member Contributions for Policy Year 2003. For Policy Years
                  2004 through 2007, the royalty shall be 4% of Member
                  Contribution, with a review of the increased royalty amount on
                  rates and competitive position prior to implementation.

         2. The Parties agree to execute, no later than February 28, 2003, a
Seventh Amendment to the Original Agreement to reflect the recent agreement of
the Parties regarding United compensation.

         3. Except as amended hereby, all other terms and conditions of the
         Agreement shall remain in full force and effect.

         IN WITNESS WHEREOF, the Parties have executed this Sixth Amendment as
of the date and year first above written.



----------------------------                         ---------------------------
AARP Services, Inc.                                  United HealthCare Insurance
                                                     Company





<PAGE>

                 SEVENTH AMENDMENT TO THE AARP HEALTH INSURANCE

                                   AGREEMENT

         This Seventh Amendment to the AARP Health Insurance Agreement (this
"Amendment"), effective as of December 23, 2002 (the "Effective Date"), is made
by and between AARP Services, Inc., a Delaware corporation ("ASI") and United
HealthCare Insurance Company, a Delaware corporation ("United"). The parties
hereto shall collectively be referred to as the "Parties".

                                    RECITALS

         WHEREAS, the AARP, the Trustees of the AARP Insurance Plan, and United
are parties to a certain AARP Health Insurance Agreement dated as of February
26, 1997 (the "Original Agreement").

         WHEREAS, by subsequent amendment and assignment on December 28, 1999,
AARP, AARP Trust and United agreed to the assignment to and assumption by ASI of
certain rights and obligations (the "Third Amendment") and, further, United,
AARP and AARP Trust executed a Royalty Agreement dated December 28, 1999
granting United a license to the AARP Marks defined therein and the amended and
assigned agreement was made a part thereof.

         WHEREAS, by amendment dated December 23, 2002, ASI and United have
agreed to modify the AARP royalty and to execute a subsequent amendment
reflecting the agreement of the Parties regarding United compensation (the
"Sixth Amendment").

         WHEREAS, in addition to the Third Amendment and Sixth Amendment, four
other amendments have been made to the Original Agreement (collectively, the

<PAGE>

         "Agreement").

         WHEREAS, to bring United's risk and profit in line with the marketplace
to reflect and to continue the superior resources and talent United has brought
to the SHIP and to ensure that the SHIP is competitively positioned, the Parties
now wish to amend the terms of the Agreement to reflect the agreement of the
Parties regarding United compensation.

         NOW, THEREFORE, the Parties agree as follows:

      1. The first paragraph of section 6.3 is amended by deleting this
         paragraph in its entirety and replacing it with the following:

                  6.3 United Risk and Profit Charges. United shall be entitled
                  to receive compensation for assuming the risk associated with
                  the SHIP. Such risk and profit compensation payable to United
                  for Policy Year 2002 shall be *** of Member Contributions for
                  such Policy Year. For Policy Year 2003, the compensation shall
                  be *** of Member Contributions for such Policy Year.

      2. Subsection 6.3.1 is amended by deleting the subsection in its
         entirety and replacing it with the following:

                  6.3.1    Reserved.

      3. Subsection 6.3.2 is amended by deleting the subsection in its
         entirety and replacing it with the following:

                  6.3.2 Incentive Percentage. The parties agree that, beginning
                  with Policy Year 2003, *** of United's Risk and Profit Charge
                  for each Policy Year shall be tied to performance standards
                  set forth in Exhibit 3.2.5, which


***    Represents text deleted pursuant to a confidentiality treatment request
       filed with the Securities and Exchange Commission pursuant to Rule 24b-2
       under the Securities Exchange Act of 1934, as amended.


<PAGE>

                  shall be revised by ASI and United by March 31, 2003 to
                  reflect the parties' mutual understanding of the applicable
                  performance standards and allocated percentages at risk based
                  on performance. The parties agree that *** of the *** at risk
                  annually shall be tied to achieving the pricing standard of
                  maintaining an average rate increase of less than ***. The
                  Incentive Percentage applicable at any time during a Policy
                  Year shall be determined by reference to United's best
                  estimate of the year-to-date performance.

      4. By June 30, 2003, the parties shall (1) review the impact of the
      increase in AARP royalty and United risk and profit compensation on
      rates and competitive position and (2) reach agreement on a
      recommendation to the AARP Trust regarding United risk and profit
      compensation for Policy Years 2004 through 2007 with a target in the
      range of *** to *** of Member Contributions for each such Policy Year,
      depending on the treatment of the risk and profit component of the
      Administrative Service Fee. By November 30, 2003, the parties shall
      complete their review of the impact of the increase in AARP royalty and
      United risk and profit compensation on rates and competitive position
      and agree on implementation.

      5. Except as amended hereby, all other terms and conditions of the
      Agreement shall remain in full force and effect.

         IN WITNESS WHEREOF, the Parties have executed this Seventh Amendment as
of the date and year first above written.



--------------------------                   -----------------------------------
AARP Services, Inc.                          United HealthCare Insurance Company


***    Represents text deleted pursuant to a confidentiality treatment request
       filed with the Securities and Exchange Commission pursuant to Rule 24b-2
       under the Securities Exchange Act of 1934, as amended.