Document:

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                                                                     EXHIBIT 4.1

                              CONSULTING AGREEMENT

     This Consulting Agreement (the "Consulting Agreement") made as of March 5,
2001 by and between Richard Appel 400 S. Detroit Street, #211, Los Angeles, CA
90036 ("Consultant") and Kaire Holdings Incorporated with offices at 7348
Bellaire Ave, North Hollywood, CA 91605 (the "Company").

                                 WITNESSETH

     WHEREAS, the Company requires and will continue to require consulting
services relating management, strategic planning and marketing in connection
with its business; and

     WHEREAS, Consultant can provide the Company with strategic planning and
marketing consulting services and is desirous of performing such services for
the Company; and

     WHEREAS, the Company wishes to induce Consultant to provide these
consulting services to the Company,

     NOW, THEREFORE, in consideration of the mutual covenants hereinafter
stated, it is agreed as follows:

     1.  APPOINTMENT.
         -----------

     The Company hereby engages Consultant and Consultant agrees to render
services to the Company as a consultant upon the terms and conditions
hereinafter set forth.

     2.  TERM.
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     The term of this Consulting Agreement began as of the date of this
Agreement, and shall terminate on March 1, 2002, unless earlier terminated in
accordance with paragraph 8 herein or extended as agreed to between the parties.

     3.  SERVICES.
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     During the term of this Agreement, Consultant shall provide advice to
undertake for and consult with the Company concerning management, marketing,
consulting, strategic planning, corporate organization and structure, financial
matters in connection with the operation of the businesses of the Company,
expansion of services, acquisitions and business opportunities, and shall review
and advise the Company regarding its overall progress, needs and condition.
Consultant agrees to provide on a timely basis the following enumerated services
plus any additional services contemplated thereby:

         (a)  The implementation of short-range and long-term strategic planning
         to fully develop and enhance the Company's assets, resources, products
         and services;

         (b)  The implementation of a marketing program to enable the Company to
         broaden the markets for its services and promote the image of the
         Company and its products and services;

         (c)  Advise the Company relative to the recruitment and employment of
         key executives consistent with the expansion of operations of the
         Company;

         (d)  The identification, evaluation, structuring, negotiating and
         closing of
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         joint ventures, strategic alliances, business acquisitions and advice
         with regard to the ongoing managing and operating of such acquisitions
         upon consummation thereof; and

         (e)  Advice and recommendations regarding corporate financing including
         the structure, terms and content of bank loans, institutional loans,
         private debt funding, mezzanine financing, blind pool financing and
         other preferred and common stock equity private or public financing.
         Consultant will not directly or indirectly arrange a financing that
         involves any securities issuance, whether equity or debt.

     4.  DUTIES OF THE COMPANY.
         ---------------------

     The Company shall provide Consultant, on a regular and timely basis, with
all approved data and information about it, its subsidiaries, its management,
its products and services and its operations as shall be reasonably requested by
Consultant, and shall advise Consultant of any facts which would affect the
accuracy of any data and information previously supplied pursuant to this
paragraph.  The Company shall promptly supply Consultant with full and complete
copies of all financial reports, all fillings with all federal and state
securities agencies; with full and complete copies of all stockholder reports;
with all data and information supplied by any financial analyst, and with all
brochures or other sales materials relating to its products or services.

     5.  COMPENSATION.
         ------------

     The Company will immediately grant Consultant the option to purchase
12,000,000 shares of the Company's Common Stock with an exercise price at $.035
per share, which option shall expire on March 1, 2001 at 5:00 P.M. P.S.T.  The
number of shares herein are subject to the anti-dilution provisions of the
corresponding warrant which is being issued in conjunction with this Agreement.
Consultant in providing the foregoing services, shall not be responsible for any
out-of-pocket costs, including, without limitation, travel, lodging, telephone,
postage and Federal Express charges.

     6.  REPRESENTATION AND INDEMNIFICATION.
         ----------------------------------

     The Company shall be deemed to have been made a continuing representation
of the accuracy of any and all facts, material information and data which it
supplies to Consultant and acknowledges its awareness that Consultant will rely
on such continuing representation in disseminating such information and
otherwise performing its advisory functions.  Consultant in the absence of
notice in writing from the Company, will rely on the continuing accuracy of
material, information and data supplied by the Company.  Consultant represents
that he has knowledge of and is experienced in providing the aforementioned
services.

     7.  MISCELLANEOUS.
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     Termination:  This Agreement may be terminated by either Party upon written
     -----------
notice to the other Party for any reason which shall be effective five (5)
business days from the date of such notice.  This Agreement shall be terminated
immediately upon written notice for material breach of this Agreement.

     Modification:  This Consulting Agreement sets forth the entire
     ------------
understanding of the Parties with respect to the subject matter hereof.  This
Consulting Agreement may be amended only in  writing signed by both Parties.

     Notices:  Any notice required or permitted to be given hereunder shall be
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in writing and shall be mailed or otherwise delivered in person or by facsimile
transmission at the address of such Party set forth above or to such other
address or facsimile telephone number as the Party shall have furnished in
writing to the other Party.
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     Waiver:  Any waiver by either Party of a breach of any provision of this
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Consulting Agreement shall not operate as or be construed to be a waiver of any
other breach of that provision or of any breach of any other provision of this
Consulting Agreement.  The failure of a Party to insist upon strict adherence to
any term of this Consulting Agreement on one or more occasions will not be
considered a waiver or deprive that Party of the right thereafter to insist upon
adherence to that term of any other term of this Consulting Agreement.

     Assignment:  The Options under this Agreement are assignable at the
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discretion of the Consultant.

     Severability:  If any provision of this Consulting Agreement is invalid,
     ------------
illegal, or unenforceable, the balance of this Consulting Agreement shall remain
in effect, and if any provision is inapplicable to any person or circumstance,
it shall nevertheless remain applicable to all other persons and circumstances.

     Disagreements:  Any dispute or other disagreement arising from or out of
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this Consulting Agreement shall be submitted to arbitration under the rules of
the American Arbitration Association and the decision of the arbiter(s) shall be
enforceable in any court having jurisdiction thereof.  Arbitration shall occur
only in Los Angeles, CA.  The interpretation and the enforcement of this
Agreement shall be governed by California Law as applied to residents of the
State of California relating to contracts executed in and to be performed solely
within the State of California.  In the event any dispute is arbitrated, the
prevailing Party (as determined by the arbiter(s)) shall be entitled to recover
that Party's reasonable attorney's fees incurred (as determined by the
arbiter(s)).

     IN WITNESS WHEREOF, this Consulting Agreement has been executed by the
Parties as of the date first above written.

Kaire Holdings Incorporated                        CONSULTANT

/s/ Steven Westlund                                   /s/ Richard Appel
-----------------------------------------             -----------------
Steven Westlund                                       Richard Appel
Chief Executive OfficerEXHIBIT 10.1

                        ADMINISTRATIVE SERVICE AGREEMENT

Odyssey America Reinsurance Corporation, a reinsurance company organized under
the laws of the State of Connecticut in the United States of America ("Odyssey
America") and Compagnie Transcontinentale de Reassurance, a reinsurance company
organized under the laws of France ("Service Provider") enter into this
administrative service agreement (this "Agreement") effective July 1, 2000
("Effective Date").

PREAMBLE:

Odyssey America is a property/casualty reinsurer that has established a branch
in Paris (the "Paris Branch") to facilitate the transaction of reinsurance
business in France and elsewhere outside the United States.

Service Provider has extensive experience in the operation, including all
aspects of administrative operation, of a reinsurance company in France.

Odyssey America desires Service Provider, as an affiliated company, to provide
certain administrative and support services (the "services") to the Paris Branch
and desires further to enable the Paris Branch to make use in its day-to-day
operations of certain property, equipment and facilities (collectively, the
"facilities") of Service Provider as Odyssey America may request with respect to
the services.

IN CONSIDERATION OF THE FOREGOING, IT IS AGREED AND DECIDED AS FOLLOWS:

ARTICLE 1 - SUBJECT OF THE AGREEMENT

Service Provider herewith agrees to provide to the Paris Branch any
administrative and support services that Odyssey America requests including, but
not limited to, accounting, tax and auditing, data processing and technical
support, purchasing, billing, personnel and general corporate and administrative
support.

ARTICLE 2 - OWNERSHIP OF RECORDS

All business records, reports, studies, documents, financial statements and
other information generated pursuant to or relating to the operation of Odyssey
America are the property of Odyssey America.

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ARTICLE 3 - REMUNERATION

3.1      The parties agree that remuneration due to the Service Provider for
         services and facilities provided hereunder will be as follows:

         (a)  Service Provider shall submit invoices to Odyssey America on a
              quarterly basis, setting forth the costs and expenses it has
              incurred during the previous quarter in providing services to
              Odyssey America pursuant to this Agreement, plus a service fee
              equal to ten per cent (10%) of the allocable cost of such
              services.

         (b)  Odyssey America shall pay any invoices issued by Service Provider
              promptly.

         (c)  V.A.T. and other applicable tax will be added to invoices issued
              to Odyssey America by Service Provider.

         (d)  Upon termination of this Agreement, Service Provider shall issue
              Odyssey America a final invoice no later than sixty (60) days
              after the date of termination. Odyssey America shall pay such
              final invoice promptly.

ARTICLE 4 - DURATION

4.1      The term of this Agreement shall be twelve (12) months from the
         Effective Date; provided, however, that Odyssey America may terminate
         this Agreement at any time upon fifteen (15) days prior written notice
         to Service Provider. Unless otherwise terminated as provided herein,
         this Agreement shall automatically renew upon the anniversary of the
         Effective Date.

4.2      Service Provider may terminate this Agreement at any time during any
         automatic extension period upon three (3) months' prior written notice
         to Odyssey America.

ARTICLE 5 - AMENDMENTS

This Agreement may be amended only by written agreement signed by the parties.

ARTICLE 6 - ENTIRE AGREEMENT

This Agreement, together with such amendments as may from time to time be
executed in writing by the parties, constitutes the
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entire agreement and understanding between the parties in respect of the
transactions contemplated hereby.

ARTICLE 7 - GOVERNING LAW AND JURISDICTION

This Agreement shall be governed by and construed in accordance with French law.
The parties hereby agree that the Courts of Paris alone shall have jurisdiction
over any suit between the parties arising under this Agreement, notwithstanding
the provisions contained in article 48 of the New Civil Procedure Code.

         IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed in duplicate by their respective officers, duly authorized to do so.

Odyssey America Reinsurance Corporation

  /s/  Michael G. Wacek
-----------------------------------
Name:  Michael G. Wacek
Title: President

Signed at: 300 First Stamford Place, Stamford, Connecticut 06902
On: August 24, 2000
In 2 originals in English and 2 originals in French.

Compagnie Transcontinentale de Reassurance

  /s/  Roland W. Jackson
-----------------------------------
Name:  Roland W. Jackson
Title: President

Signed at: 1, rue de Gramont, 75002 Paris, France

On: August 22, 2000
In 2 originals in English and 2 originals in French.

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