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                                                                   EXHIBIT 10.64

                       FIRST AMENDMENT AND ALLONGE TO NOTE

       THIS FIRST AMENDMENT AND ALLONGE TO NOTE is entered into as of March 5,
2002 between the MIIX Group, Incorporated, a Delaware corporation ("Lender") and
Edward M. Grab ("Executive").

                                   BACKGROUND

       A.     The Executive issued to Lender a Note dated as of March 1, 2000
(the "Note"), pursuant to which Lender has made a loan to the Executive in order
to enable Executive to purchase shares of the Company's Common Stock.

       B.     Pursuant to the Stock Loan Repayment Agreement dated as of the
date hereof (the "Repayment Agreement"), Lender and Executive now desire to
amend the Note in certain respects.

       C.     Capitalized terms used but not defined herein shall have the
meanings given to them in the Repayment Agreement.

       NOW, THEREFORE, Lender and Executive, each intending to be legally bound
hereby, agree as follows:

       1.     AMENDMENT TO NOTE. The Note is hereby amended as follows:

              (a)    The words "Stock Purchase and Loan Agreement dated as of
the date hereof" in the first paragraph is deleted and replaced with "Stock Loan
Repayment Agreement dated as of the date hereof." All references to the "Loan
Agreement" thereafter shall be to the Stock Loan Repayment Agreement.

              (b)    The second and third sentences of the fourth paragraph are
deleted.

       2.     REPRESENTATIONS AND WARRANTIES. Executive hereby represents,
warrants and certifies as follows:

              (a)    Executive has the full legal right to execute and deliver
this First Amendment and this First Amendment constitutes the valid and legally
binding obligation of Executive enforceable in accordance with its terms, except
as enforcement of this First Amendment may be limited by bankruptcy, insolvency
or other laws of general application relating to or affecting the enforcement of
creditors' rights and except as enforcement is subject to general equitable
principles; and

              (b)    all the representations and warranties made by Executive in
the Note and the Repayment Agreement are true, complete and correct as of the
date of this First Amendment as if such representations and warranties had been
made by Executive on the date hereof; and

              (c)    Executive has no defenses to his obligations or claims
relative to the Note or the Repayment Agreement.

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       3.     RATFICATION AND CONFIRMATION.

              (a)    Except as amended hereby, all of the terms and provisions
of the Note and Repayment Agreement shall remain in full force and effect and,
except as expressly amended hereby, are hereby ratified and confirmed. Executive
hereby ratifies and confirms that the obligations of Executive under the Note as
modified by this First Amendment are the valid and binding obligations of
Executive payable to Lender in accordance with the terms and conditions of the
Note as modified by this First Amendment.

       4.     MISCELLANEOUS.

              (a)    All references to the "Note" in any documents and
instruments executed by Executive in connection with the Note, shall be deemed
to refer to the Note as the same has been amended through the date hereof.

              (b)    Executive agrees to do such further acts and to execute and
deliver such additional agreements, instruments and documents as may be
reasonably required to carry out the purposes of this First Amendment.

              (c)    This First Amendment may be executed in any number of
counterparts and each such counterpart shall be deemed an original, but all such
counterparts shall constitute one and the same agreement.

              (d)    This First Amendment shall be governed by and construed in
accordance with the laws of the State of New Jersey, without regard to its
conflicts of law provision.

              (e)    This First Amendment shall be binding upon Executive and
his heirs, executors, administrators, transferees and assigns and shall inure to
the benefit of Lender and its successors and assigns.

       5.     MISCELLANEOUS. Execution of this First Amendment shall not
constitute an agreement by Lender to execute any other amendment, waiver or
modification of the Note.

              IN WITNESS WHEREOF, the undersigned have caused this First
Amendment to be executed by their duly authorized officers on the date first
above written.

Attest:                                     THE MIIX GROUP, INCORPORATED

By:                                         By:
   -----------------------------               ----------------------------
     Name:                                      Name:
     Title:                                     Title:

                                            -------------------------------
                                            Edward M. Grab

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                                                                   EXHIBIT 10.65

                          THE MIIX GROUP, INCORPORATED
                         STOCK LOAN REPAYMENT AGREEMENT
                         ------------------------------

       This Stock Loan Repayment Agreement ("Agreement") is entered into this
5th day of March 2002 by and between Patricia A. Costante ("Executive") and The
MIIX Group, Incorporated, a Delaware corporation (the "Company").

       WHEREAS, Executive is the maker of a secured full recourse Promissory
Note dated as of March 1, 2000 (the "Note"), in the principal amount of $440,000
(the "Loan") the proceeds of which were used by Executive to purchase shares of
the Company's Common Stock (the "Shares");

       WHEREAS, security for the performance of the Stock Purchase and Loan
Agreement (the "Loan Agreement") was pledged in the form of the Shares purchased
by Executive; and

       WHEREAS, pursuant to the terms of The MIIX Group, Incorporated and New
Jersey State Medical Underwriters, Inc. Employee Retention Incentive Plan (the
"Plan"), the Company and the Executive desire to reduce amounts outstanding
under the Loan;

       WHEREAS, the value of Company's common stock has deteriorated and the
Company is working to develop a new business plan. As a part of its new plan,
the Company has adopted the Plan under which Executive is eligible to receive
payments;

       WHEREAS, the Company and Executive desire to terminate the Loan Agreement
and to amend the Note pursuant to the First Amendment and Allonge to Note (the
"Amended Note") dated as of the date hereof and enter into this Agreement
pursuant to which Executive shall repay the Loan, on the terms and conditions
contained in this Agreement.

       NOW, THEREFORE, in consideration of the mutual promises set forth herein,
the Company and Executive agree as follows:

       1.   The Shares purchased by Executive with the Loan proceeds shall be
surrendered to the Company and the Company shall reduce the outstanding Loan
balance by the fair market value of the Company's common stock on March 5, 2002,
calculated as the average of the high and low stock prices on that date (the
"Redemption"). Executive shall execute all documents necessary to effect the
Redemption.

       2.   The payments made to Executive pursuant to the Plan shall be applied
first to the payment of estimated applicable state and federal taxes, second to
accrued interest on the Loan and third to a reduction of the outstanding Loan
balance after the Redemption.

       3.   To the extent that the Plan payment exceeds the estimated tax
obligations on the Plan payment and the interest and principal balance of the
Loan, the

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amount remaining shall be paid to Executive if the Executive had met the
employment requirements specified in the Plan.

       4.   Executive shall have the right to prepay the Loan in whole or in
part from time to time, without penalty or premium.

       5.   Executive hereby agrees and acknowledges that if he or she
terminates his or her employment with the Company voluntarily or his or her
employment is terminated by the Company for Cause (as defined in the Executive's
Employment Agreement dated as of March 1, 2000) prior to September 5, 2003, that
he or she will not receive any further payments under the Plan and Executive
will be obligated to repay the then outstanding Loan balance, including accrued
interest, to the Company according to the terms of the Note, as amended.

       6.   If any of the following events occur, on or before the dates on
which Executive would otherwise be eligible to receive payments under the plan,
all such payments shall be accelerated to become due and payable to the
Executive immediately and shall be applied by the Company to reduce the then
outstanding Loan balance until it is extinguished:

            (a)    a Change in Control (as defined below);

            (b)    an infusion of equity into the Company in an amount
exceeding $20 million;

            (c)    the entry of an order by a court of rehabilitation or
liquidation of any of the Company's New Jersey insurance subsidiaries;

            (d)    commencement of an involuntary proceeding of bankruptcy or a
resolution of the Company to make a voluntary bankruptcy filing;

and Executive is terminated by the Company other than for Cause.

       7.   "Change in Control" shall mean the occurrence of any of the
following events:

            (a)    The acquisition in one or more transactions by any "Person"
(as such term is used for purposes of Section 13(d) or Section 14(d) of the
Securities Exchange Act of 1934, as amended (the "34 Act")) but excluding, for
this purpose, the Company or its affiliates or any employee benefit plan of the
Company or its affiliates, of "Beneficial Ownership" (within the meaning of Rule
13d-3 the 34 Act) of thirty-five percent (35%) or more of the combined voting
power of the Company's then outstanding voting securities.

            (b)    The individuals who, as of the date hereof, constitute the
Board of Directors of the Company (the "Incumbent Board") cease for any reason
to constitute at least a majority of the Board; provided, however, that if the
election, or nomination for election by the Company's shareholders, of any new
director was approved by a vote of at least a majority of the Incumbent Board,
such new director shall be considered as a member of the Incumbent Board, and
provided further that any

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reductions in the size of the Board that are instituted voluntarily by the
Incumbent Board shall not constitute a Change in Control, and after any such
reduction the "Incumbent Board" shall mean the Board as so reduced;

            (c)    A merger or consolidation involving the Company if the
shareholders of the Company, immediately before such merger or consolidation, do
not own, directly or indirectly, immediately following such merger or
consolidation, more than sixty-five percent (65%) of the combined voting power
of the outstanding voting securities of the corporation resulting from such
merger or consolidation or a complete liquidation or dissolution of the Company
or a sale or other disposition of all or substantially all of the assets of the
Company; or

            (d)    The acceptance by the shareholders of the Company of shares
in a share exchange if the shareholders of the Company, immediately before such
share exchange, do not own, directly or indirectly, immediately following such
share exchange, more than sixty-five percent (65%) of the combined voting power
of the outstanding voting securities of the corporation resulting from such
share exchange.

       8.   The occurrence of any of the following shall constitute an event of
default (each, an "Event of Default") under this Agreement:

            (a)    Executive shall apply for or consent to the appointment of a
receiver, custodian, trustee or liquidator of all or a substantial part of
his/her property;

            (b)    Executive shall make a general assignment for the benefit of
his/her creditors;

            (c)    Executive shall commence a voluntary case under the Federal
Bankruptcy Code; or

            (d)    Executive shall file a petition to take advantage of any
other law providing for the relief of debtors.

       9.   Upon the occurrence and during the continuance of an Event of
Default, all indebtedness, obligations and liabilities of the Executive arising
hereunder shall, at the option of the Company, become immediately due and
payable.

       10.  The Executive's obligation to repay the Loan in full shall be
forgiven in the event of the Executive's death or total permanent disability (to
be verified by a physician selected by the Company) prior to Maturity Date.

       11.  The Executive hereby releases all claims he or she may have against
the Company as a result of the Loan and/or with respect to the purchase of the
Shares.

       12.  This Agreement shall be governed by the laws of the State of New
Jersey without regard to its conflict of laws principles.

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       13.  This Agreement may be executed in counterparts, each of which shall
constitute an original.

       IN WITNESS WHEREOF, this Agreement is executed as of the date first above
written.

         PATRICIA A. COSTANTE

         Signature:
                    ------------------------------------------------

         Print Name:
                     -----------------------------------------------

         THE MIIX GROUP, INCORPORATED

         By:
             -------------------------------------------------------

         Print Name:
                     -----------------------------------------------

         Title:
                ----------------------------------------------------

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