Document:

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                                                                   Exhibit 10.14

                        MARKETING AND SERVICING AGREEMENT

     This Marketing and Servicing Agreement (the "Service Agreement") is entered
into as of August 2, 1999 by and among Chase Insurance Agency, Inc., a Delaware
corporation ("the Buyer"), U.S.I. Holdings Corporation, a Delaware corporation
("USI"); and USI Insurance Services Corp., a Delaware corporation ("USIS").

     1. Background. Pursuant to a Purchase and Sale Agreement, dated as of July
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28, 1999 (the "Agreement"), the Buyer is purchasing certain assets and assuming
certain liabilities of Chase/USI Employee Benefits and Commercial Insurance
Agency, LLC (the "Seller"), an indirect subsidiary of USI. This is the Service
Agreement referred to in the Agreement and is subject to all terms and
conditions set forth in the Agreement. Capitalized ten-ns used and not otherwise
defined herein are used as defined in the Agreement.

     2. Services to be Provided.
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     2.1. To the extent requested by the Buyer, USI and USIS, either directly or
through wholly-owned subsidiaries (USI, USIS, and such subsidiaries hereinafter
referred to as the "USI Entities"; the employees and officers of the USI
Entities are hereinafter referred to as "USI Persons"; and the USI Entities and
USI Persons are hereinafter referred to as the "USI Parties") agree to perform
the services described on the attached Schedule SA-2.1 (the "Services") with
respect to such of the Client Accounts and other insurance business (whether
existing at the date hereof or developed hereafter) of the Buyer as the Buyer
may specify from time to time (collectively, with the Client Accounts, the
"Buyer's Business"):

     2.2. The provision of the Services shall be staffed as follows:

     (a) The USI Persons listed on Schedule SA-22(a) shall be dedicated to the
performance of the Services specified in Schedule SA-2.2(a) on a full-time
exclusive basis during the term hereof. Any substitution for or replacement of
such persons shall be subject to the prior written consent of the Buyer, which
consent shall not be unreasonably withheld. To the extent the parties hereto may
agree in good faith that additional USI Persons are required to assist Ms. Kelly
and Mr. St. Ledger (or their replacements) in the performance of the Services to
be performed by them, as described in Schedule SA-2.2(a), in accordance with the
terms hereof, USI and USIS shall make such additional USI Persons available,
subject to the terms of Section 5.1.

     (b) The parties mutually agree that Jeffrey Welsch ("Welsch") will continue
to be employed by the USI Northeast and shall be dedicated to the performance of
the Services on a full-time exclusive basis (except such de minimus commitments
of time, consistent with past practice, as shall not interfere with the
performance of Welsch's duties hereunder) from the date hereof through December
31, 1999. USI and Chase shall select a replacement for Mr. Welsch (the "New
Manager"), as follows:

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       (i) On or before November 1, 1999, USI shall present to the Buyer a
proposed New Manager (the "Candidate"), who may be a USI Person, an employee of
the Buyer, or a person not then employed by any USI affiliate or by the Buyer.

       (ii) Within a reasonable time thereafter, the Buyer shall inform USI
whether such Candidate is acceptable to the Buyer. The Buyer agrees not to
reject a Candidate unreasonably, provided that the Buyer may reject any
Candidate if, in the good faith opinion of the Buyer, such Candidate does not
have the expertise, knowledge, or insurance industry associations necessary, or
otherwise lacks material qualifications necessary to perform the functions
previously performed by Mr. Welsch in connection with the Buyer's Business to
the accustomed standard. In the event any Candidate is rejected by the Buyer,
USI shall propose [an]other Candidate[s] in accordance with the foregoing
procedure (including the same acceptance standard for the Buyer), until a
Candidate is accepted by the Buyer.

       (iii) Regardless of whether the New Manager ultimately selected is a USI
Person, USI agrees that the appropriate USI Parties will provide the New Manager
with adequate training regarding the Buyer's Business and Mr. Welsch's previous
responsibilities with respect thereto.

       (iv) If the New Manager is an employee of the Buyer, it is agreed that
the costs of his/her employment will continue to be the responsibility of the
Buyer. If the New Manager is a USI Person or is otherwise not then an employee
of the Buyer, it is agreed that the costs of his/her employment will be the
responsibility of the USI Entities.

       (v) The New Manager shall be dedicated, on a full-time basis, to
discharging the duties previously discharged by Mr. Welsch.

       (vi) After the appointment of a New Manager, Welsch shall nonetheless
continue to be available to consult with the Buyer's management to the extent
necessary to assure the fulfillment of the USI Parties' obligations hereunder.
Any replacement of the New Manager shall be handled in the manner provided
above.

     2.3. To the extent that the Buyer does not have in place relationships with
all Carrier/Providers, and/or all Carrier/Provider Agreements, appropriate for
the conduct of the Buyer's Business, USI shall, upon the Buyer's request provide
access to such Carrier/Providers for the Buyer's Business, during the term
hereof, and USI and the Buyer shall enter into sub-broker agreements under which
the Buyer shall have access to such Carrier/Providers on terms no less favorable
than those available to USI Parties from time to time.

     2.4. All Services are to be provided by affiliates of USI which possesses
the requisite skill and licensing necessary to provide such Services. All such
services shall be provided in the name of, and as directed by, the Buyer as
agent/broker of record, except as provided in Section 4, below. It is
understood, however, that the USI Parties have no authority to use the Buyer's
name, the name "Chase", the name "Chase "USI", or any other proprietary name or
mark of the Buyer and its affiliates for any purpose except to the extent
necessary to provide the Services. For such purposes, USI Persons may state that
they are "servicing" or "providing services to" the Buyer, but no USI Party
shall hold itself out as, or otherwise

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represent that it is, a part of or affiliated with or in alliance with the Buyer
or any of its affiliates. USI and USIS shall ensure that each USI Party
providing Services holds all requisite licenses and authorizations, has all
necessary expertise and resources, and is otherwise appropriate to provide such
Services at a level at least as high as the USI Parties provide to their own
customers. USI and USIS shall assure that all other USI Parties performing
Services comply with the provisions hereof.

     3. Customer Service Standards.
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     3.1. USI and USIS acknowledge that the Buyer's relationships with its
prospective and actual customers and with Clients of the Seller (collectively,
"Chase Customers") are valuable assets, and each agrees to treat Chase Customers
in a professional, ethical and fair manner. Servicing for Chase Customers by the
USI Parties will be at a level at least as high as the USI Parties provide to
their own customers. If the Buyer reasonably believes that a Chase Customer is
receiving an unacceptable level of service under this Agreement the Buyer shall
notify USI and USI agrees to investigate the matter and take appropriate prompt
corrective action.

     3.2. The USI Parties shall deal with all Chase Customer complaints promptly
and professionally.

     3.3. If any of the USI Parties receives complaints, notices of
investigation or disciplinary procedures, or other such communications involving
any Chase Customer from a state department of insurance or other regulatory
agency or law enforcement authority, USI shall forward copies of such
complaints, notices, etc. to the Buyer within five (5) Business Days of receipt
thereof. The Buyer shall prepare a proposed response to each such complaint,
with the full cooperation of all relevant USI Parties. Such response shall be
subject to review and comment by the relevant USI Parties before delivery to the
relevant agency or authority (unless such review is not possible in view of the
time constraints imposed by the relevant agency or authority). The Buyer shall
take any such comments into consideration, but shall have the ultimate
discretion as to the content of the final response, a copy of which shall be
forwarded promptly to USI. (For purposes hereof, the term "Business Day" shall
mean a day on which banks in New York, New York, are neither permitted se.)

     3.4. USI shall maintain complete records of all such complaints, notices,
and other communications described in this Section 3, including copies of all
correspondence and any research documentation used in assisting the Buyer in the
preparation of its response, which records shall be available during normal
business hours for the Buyer's review upon request which shall be made at least
two Business Days in advance (unless such advance request is not possible in
view of the time constraints imposed by a regulatory agency or authority).

     4. P&C Business.
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     4.1. With respect to that portion of the Buyer's Business that is composed
of property and casualty insurance accounts (the "Buyer's P&C Business"), USI
and USIS acknowledge that the Buyer's Business is owned by the Buyer
notwithstanding the fact that a USI Entity is listed as the broker of record
with respect to any such accounts, and USI and USIS

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agree to implement the structure set forth in Section 5.3 of the Agreement. In
furtherance thereof, the USI Entities shall arrange with the Carrier/Providers,
with respect to the Buyer's P&C Business, to segregate on their records, by
sub-broker or producer code or similar method, the Buyer's P&C Business and
related client accounts from the business of USI Entities. Such segregation
shall allow for the storage and retrieval of information specific to the Buyer's
P&C Business and related accounts, in a format which is acceptable to the Buyer.

     4.2. Upon the giving of notice of termination of this Service Agreement
pursuant to Section 11, the following provisions shall apply:

       4.2.1 The Buyer may in its discretion transfer record ownership of the
Buyer's P&C Business and related accounts to a substitute broker or brokers of
record designated by the Buyer (the "Substitute Broker(s)), which Substitute
Broker(s) shall be acceptable to the relevant Carrier/Providers. Prior to
termination hereof, the appropriate USI Parties shall cooperate with the Buyer
and the Substitute Broker(s) to effect such transfer of record ownership to the
Substitute Broker(s) as of the effective date of the termination including using
their best efforts to obtain from the relevant clients a broker of record letter
in favor of the Substitute Broker(s) if requested by the Buyer.

       4.2.2 The foregoing notwithstanding, if the Buyer elects to be named as
broker of record for any accounts comprising part of the Buyer's P&C Business,
USI shall, prior to termination, upon the Buyer's request, cooperate with the
Buyer to have the relevant customers designate the Buyer as the broker of
record, effective as of the effective date of the termination, with respect to
each such account in lieu of the relevant USI Entity.

     4.3. In the event that this Service Agreement is terminated before either
the Buyer or a Substitute Broker is made broker of record on any accounts that
comprise part of the Buyer's P & C Business, then the Seller and the appropriate
USI Entities shall share revenues with respect to such accounts as set forth in
Schedule SA-5 for the period prior to the effective date of such change of
broker of record.

     5. Compensation. In exchange for the Services provided hereunder, the Buyer
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shall pay compensation as follows:

     5.1. The Buyer shall pay to USI (or to such other USI Entity as USI may
specify) the sum of $170,000 per annum, payable quarterly in arrears. Such
amount constitutes reimbursement for the cost of the salaries and benefits paid
to Louise Kelly and Anthony St. Ledger by the USI Entity which employs such
persons and shall be subject to change to reflect annual performance-related
salary increases of such persons, to the extent the Buyer shall agree in good
faith. In addition, the provision of the services of additional USI Persons
pursuant to Section 2.2(a) shall be subject to the payment by the Buyer, in
accordance with the terms hereof, of such additional amounts as the Buyer and
USI may agree as reimbursement of the appropriate portion of the cost of the
salaries and benefits of such additional USI Persons.

     5.2. In addition, the Buyer shall share revenues with the appropriate USI
Entity in relation to specific Services provided by such USI Entity in
accordance with the attached Schedule SA-5.

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     6. Noncompetition.
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     6.1. For a period of twelve months after the Closing Date, no USI Party
shall enter into any agreement with any bank or bank affiliate, other than
another USI Entity, to provide services similar to the Services with respect to
customers in New York, New Jersey or Connecticut. If, at any time during the
term hereof, the Buyer shall notify USI that the Buyer has commenced actively
soliciting customers on a personal basis in Texas with respect to insurance
products and services covered by this Service Agreement, then, for a period of
six months thereafter, no USI Entity shall enter into any new agreement with any
bank or bank affiliate, other than another USI Entity, to provide services
similar to the Services with respect to customers in Texas.

     6.2. Except as may be agreed otherwise consistent with past practice,
during the term hereof and for a period of thirty-six (36) months after
termination of this Service Agreement no USI Party shall sell or endeavor to
sell, or otherwise provide or endeavor to provide, insurance products or
services to any Chase Relationship Party, as hereinafter defined. For purposes
hereof, the term `Chase Relationship Party" means any person or entity:

       (a) to which or for which the Buyer or any of its affiliates (whether
directly or through any USI Party) has provided insurance agency or brokerage
services, insurance consulting services, or other related services,

       (b) to which or for which the Buyer or any of its affiliates (whether
directly or through any USI Party) has made a written proposal to provide any
such services, and/or

       (c) with respect to which the Buyer or any of its affiliates has
undertaken (whether directly or through any USI Party) any documented
fact-finding (as that term is commonly used in the insurance industry) efforts,

in each case, at any time during the period of twenty-four (24) months prior to
the effective date of the termination hereof.

     7. Non-solicitation.
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     7.1. USI and USIS agree that, during the term hereof and for a period of
two (2) years thereafter, no USI Entity will solicit for employment endeavor to
entice away, employ, offer to employ, or arrange employment for any person who
is at any time during such period employed by the Buyer or any of its affiliates
in New York, New Jersey and Connecticut, excluding clerical employees, whether
or not such person would thereby commit any breach of any contract of service
with the Buyer. (Nothing herein shall be interpreted to prevent any USI Entity
from engaging in its normal recruiting practices through advertisement or
general solicitation, or from interviewing and employing employees of the Buyer
or its affiliates, provided that no USI Entity initially seeks out such
employee(s) to solicit them for employment.)

     7.2. The Buyer agrees that, during the term hereof and for a period of two
(2) years thereafter, neither the Buyer nor any of its affiliates will solicit
for employment, or endeavor to entice away, employ, offer to employ, or arrange
employment for any person who is

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at any time during such period employed by any USI Entity in New York, New
Jersey, or Connecticut, excluding clerical employees, whether or not such person
would thereby commit any breach of any contract of service with any USI Entity;
provided, however, that at any time following expiration or termination of this
Service Agreement, the Buyer may solicit for employment and employ any of the
persons listed on Schedule SA-2.2(a), any substitutes for or replacements of
such persons made in accordance herewith, and any other USI Persons
substantially dedicated to providing Services hereunder. (Nothing herein shall
be interpreted to prevent the Buyer and its affiliates from engaging in their
normal recruitment practices through advertisement or other general
solicitation, or from interviewing and employing employees of USI Entities,
provided that neither the Buyer nor any of its affiliates initially seeks out
such employees to solicit them for employment.)

     8. Representations and Warranties.
        ------------------------------

     8.1. Each of USI and USIS hereby represents and warrants to the Buyer that:

       8.1.1 Each of USI and USIS is a corporation validly existing under the
laws of Delaware, with all requisite corporate power and authority to execute
and perform this Service Agreement.

       8.1.2 The execution and delivery of this Service Agreement by USI and
USIS, their performance of their obligations hereunder, and their consummation
of the transactions contemplated hereby, have been duly authorized by all
necessary corporate action; and this Service Agreement has been duly executed
and delivered by USI and USIS and constitutes a legal, valid, and binding
obligation of USI, enforceable against them in accordance with its terms,
subject to applicable bankruptcy, insolvency, reorganization, moratorium,
fraudulent conveyance and transfer, and similar laws relating to or affecting
creditors' rights generally and general principles of equity (regardless of
whether such enforceability is considered in a proceeding in equity or at law).

       8.1.3 The execution, delivery and performance by USI and USIS of this
Service Agreement will not (i) violate, conflict with, result in a breach of, or
constitute (with or without notice or lapse of time or both) a default or result
in the creation of a lien under, any material agreement, indenture, mortgage or
lease to which USI or USIS is a party or by which it or its properties are
bound; (ii) constitute a violation by USI or USIS of any laws or regulations
applicable to it; (iii) violate any provision of its organizational or governing
documents; or (iv) violate any order, judgment injunction or decree of any
court, arbitrator or governmental body against or binding upon or USIS.

       8.1.4 Neither USI nor USIS requires any consent, approval, authorization
or permit of, or filing with or notification to, any governmental or regulatory
authority in connection with this Service Agreement and the transactions and
activities contemplated hereby.

       8.1.5 There are no actions, suits or proceedings pending or, to the
knowledge of USI or USIS, threatened against or affecting any USI Party that
could have a

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material adverse effect on the ability of USI and USIS to perform their
obligations under this Service Agreement.

       8.1.6 Each of USI and USIS have complied with, and is not in default in
any material respect under, any laws, ordinances, requirements, regulations,
orders or decrees of any court, commission, board or other administrative,
legislative or judicial body or governmental agency having jurisdiction over it,
or any of its assets, which could materially and adversely affect its ability to
enter into this Service Agreement and to perform its obligations hereunder.

       8.1.7 Each of USI and USIS, and each other USI Party performing Services
hereunder shall comply with all relevant legal, governmental, and regulatory
requirements, and with the provisions of any relevant license, registration, or
qualification, in connection with the performance of any of its obligations or
responsibilities under this Service Agreement before performing such obligations
or responsibilities, and shall maintain such compliance during the term hereof.

     8.2. The Buyer hereby represents and warrants to USI that:

       8.2.1 The Buyer is a corporation validly existing under the laws of
Delaware, with all requisite power and authority to execute and perform this
Service Agreement.

       8.2.2 The execution and delivery of this Service Agreement by the Buyer,
its performance of its obligations hereunder, and its consummation of the
transactions contemplated hereby, have been duly authorized by all necessary
corporate action; and this Service Agreement has been duly executed and
delivered by the Buyer and constitutes a legal, valid, and binding obligation of
the Buyer, enforceable in accordance with its terms, subject to applicable
bankruptcy, insolvency, reorganization, moratorium, fraudulent conveyance and
transfer, and similar laws relating to or affecting creditors' rights generally
and general principles of equity (regardless of whether such enforceability is
considered in a proceeding in equity or at law).

       8.2.3 The execution, delivery and performance by the Buyer of this
Service Agreement will not (i) violate, conflict with, result in a breach of, or
constitute (with or without notice or lapse of time or both) a default or result
in the creation of a lien under, any material agreement, indenture, mortgage or
lease to which the Buyer is party or by which it or its properties are bound;
(ii) constitute a violation by the Buyer of any laws or regulations applicable
to it; (iii) violate any provision of its organizational or governing documents;
or (iv) violate any order, judgment, injunction or decree of any court,
arbitrator or governmental body against or binding upon the Buyer.

       8.2.4 Me Buyer does not require any consent, approval, authorization or
permit of, or filing with or notification to, any governmental or regulatory
authority in connection with this Service Agreement and the transactions and
activities contemplated hereby.

       8.2.5 There are no actions, suits or proceedings pending or, to the
knowledge of the Buyer, threatened against or affecting the Buyer that could
have a material adverse effect on the Buyer's ability to perform its obligations
under this Service Agreement.

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     9. Confidential Information.

     9.1. The following shall be considered "Confidential Information" for
purpose

All information provided to any USI Party by, or at the direction of, the Buyer
or any of its affiliates in connection with the transactions contemplated
hereby. (For the sake of clarity, it is understood that information obtained by
USI Parties from their customers and prospective customers, outside the context
of this Agreement and the transactions and activities contemplated hereby, shall
not constitute Confidential Information for purposes hereof) Such information
may be in any form including, but not limited to, printed or oral communications
and information stored in printed or electromagnetic format; it may relate to,
among other things, the Seller's, the Buyer's, or the Buyer's affiliates'
customers and business relationships, their methods of transacting business,
underwriting and policy information, and product descriptions. The term
"Confidential Information" shall not include information which (i) was or
becomes generally available to the public other than as a result of the
disclosure by any USI Party, or any of their respective employees, agents or
advisors, or (ii) was or becomes available to any USI Party or its employees,
agents or advisors on a non-confidential basis from a source other than the
Buyer, its affiliates, or any of their respective employees, agents or advisors,
provided that such source is not known by any USI Party to be prohibited by
contractual, legal, or fiduciary obligation from disclosing such information.
(For the avoidance of doubt, all information pertaining to Chase Customers
furnished by the Buyer or the Seller or any of its affiliates to any USI Party
shall constitute Confidential Information for purposes hereof and shall be
considered confidential and proprietary to the Buyer.)

     9.2. All Confidential Information shall be treated as confidential business
information of the Buyer and/or its affiliates, and by all their employees,
agents, and advisors, and shall be accorded the same treatment as the USI
Parties accord their own most confidential business information. Specifically
(but without limiting the generality of the foregoing), except as required by
law:

       9.2.1 The USI Parties shall disclose Confidential Information only to
those other USI Parties and to those of their agents, advisors, and
Carrier/Providers, who need to know such information in connection with the
provision of Services hereunder, and no other person shall have access to any
Confidential Information.

       9.2.2 The Confidential Information shall be used by the USI Parties and
their agents and advisors only in connection with the provision of Services
hereunder.

       9.2.3 Each USI Entity shall assure that each USI Party and each USI
Entity's agents, subcontractors, and advisors having access to any of the
Confidential Information undertakes in writing, in the form attached as Exhibit
SA-9.2.3, to abide by the provisions of this Section 9.2.3, specifying that the
Buyer is intended to be a beneficiary of such undertaking.

       9.2.4 The Buyer shall be advised of all sub-contractors, consultants and
others not employed by a USI Entity who have access to any Confidential
Information, and the USI Entity shall grant such access, or shall terminate
access if it has been already granted, to

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anyone to whom the Buyer objects based upon a good faith analysis of its
business needs and, where appropriate, the USI Entity shall obtain promptly from
that person all Confidential Information.

       9.2.5 In the event that any USI Party, or anyone to whom any USI Party
makes disclosure in accordance with this Section 9.2.5, becomes legally
compelled to disclose any Confidential Information, the USI Party shall, to the
extent permitted by law, provide the Buyer with prompt notice so that the Buyer
or its affiliate may seek a protective order or other appropriate remedy and/or
waive compliance with the provisions of this Section 9.2.5; provided, however,
that the provisions of this Section 9.2.5 shall not apply to disclosure by any
USI Party to any regulatory agency having jurisdiction over such USI Party, to
the extent that such USI Party determines in good faith that failure to disclose
to such regulatory agency would adversely affect such party's relationship with
such regulatory agency.

     9.3. Each party hereto recognizes that the Confidential information is a
valuable, special, and unique asset of the Buyer and its affiliates, that a
breach of this Section 9.3 will cause irreparable harm to the Buyer and its
affiliates, and that actual damages will be difficult to ascertain and in any
event may be inadequate. Accordingly, the USI Parties agree that in the event of
such breach, the Buyer and its affiliates shall be entitled to injunctive relief
in addition to such other legal or equitable remedies as may be available.

     9.4. At the end of the term of this Service Agreement, each USI Party shall
promptly return to the Buyer all Confidential Information and all materials
based on or incorporating any such Confidential Information.

     9.5. All confidential information pertaining to any Chase Customer
furnished directly or indirectly by such Chase Customer to any USI Party in
connection with any activities performed hereunder (the "Customer Information")
shall be considered confidential and proprietary to such Chase Customer. All USI
Parties providing services hereunder shall maintain appropriate controls to
prevent the unauthorized use or disclosure of Customer Information and shall
use, and permit the use of, Customer Information only for the purpose of serving
the needs of the relevant Chase Customer as contemplated by this Service
Agreement, and not for any other purpose. No USI Party shall give, sell or in
any way transfer or disclose, or pen-nit any USI Entity's agents, subcontractors
or Carriers/Providers to give, sell or in any way transfer or disclose, either
directly or indirectly, Customer Information to any other person or entity for
any other purpose, and shall not permit any other person or entity to obtain the
use of or gain access to Customer Information without the relevant Chase
Customer's prior written approval.

     9.6. USI and USIS hereby stipulate that the systematic or careless use by
any USI Party of Confidential Information or Customer Information for purposes
other than those provided herein, or the failure of any USI Party to take all
reasonable steps necessary to prevent the unauthorized disclosure of
Confidential Information and Customer Information, shall constitute a material
breach of this Service Agreement.

     10. Indemnification.

     10.1. By USI.
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       10.1.1 USIS agree, jointly and severally, to indemnify the Buyer, its
affiliates and their directors, officers, employees and agents (each, a "Buyer
Indemnified. Person") from, and to hold each of them harmless against, any and
all losses, liabilities, claims, demands, actions, judgments, damages, costs and
expenses, including reasonable attorneys' fees and disbursements and other
expenses, (collectively, the "Losses") including the costs of investigating any
claim and defending any action and any amounts paid in settlement or compromise
(provided that USI shall have given its prior written approval of any settlement
or compromise, which approval shall not be unreasonably withheld) arising out of
or relating to (a) the activities of any USI Party in connection with this
Service Agreement and the transactions described herein, including, but not
limited to, (i) a breach by any USI Party of any terms or conditions of this
Service Agreement, or (ii) a breach of any of USI's and USIS's representations
and warranties herein, except to the extent such Losses are incurred by reason
of the negligence or willful misconduct of any Buyer Indemnified Person.

       10.1.2 If any event occurs for which indemnification is provided to any
Buyer Indemnified Person in this Section, such Buyer Indemnified Person must
provide USI with written notice of such event as soon as possible, but in no
event later than fifteen (I 5) business days after the earlier of- (i) such time
as it has actual knowledge of the occurrence of such event or (ii) such time as
it receives notice that an action has been filed in a court, or action has been
taken by any administrative agency, alleging the occurrence of an event that
entitles a Buyer Indemnified Person to indemnification by USI and USIS
hereunder.

       10.1.3 USI and USIS, at their own expense, shall be entitled to
participate in such action or proceeding, and, after written notice from USI to
the Buyer and consent from the Buyer (which consent shall not be unreasonably
withheld), to assume the defense of such action or proceeding, with mutually
acceptable counsel, or, also with such Buyer Indemnified Person's consent (which
consent shall not be unreasonably withheld), compromise or settle such action or
proceeding, at its own expense. Notwithstanding USI's assumption of the defense
of such action or proceeding, such Buyer Indemnified Person shall have the right
to employ separate counsel and to participate in the defense of such action or
proceeding at its own expense.

     10.2. By the Buyer.

       10.2.1 The Buyer agrees to indemnify all USI Parties (each a "USI
Indemnified Person") from, and to hold each of them harmless against, any and A
Losses, including the costs of investigating any claim and defending any action
and any amounts paid in settlement or compromise (provided, that, the Buyer
shall have given its prior written approval of any settlement or compromise,
which approval shall not be unreasonably withheld) arising out of or relating to
the Buyer's activities in connection with this Service Agreement and the
transactions described herein, including, but not limited to, (i) a breach by
the Buyer of any of the terms or conditions hereof, or (ii) a breach of any of
the Buyer's representations and warranties herein, except to the extent such
Losses are incurred by reason of the negligence or willful misconduct of any USI
Party.

       10.2.2 If any event occurs for which indemnification to any USI
Indemnified Person is provided in this Section, such USI Indemnified Person must
provide the

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Buyer with written notice of such event as soon as possible, but in no event
later than fifteen (I 5) business days after the earlier of. (i) such time as it
has actual knowledge of the occurrence of such even, or (ii) such time as it
receives notice that an action has been filed in a court, or action has been
taken by any administrative agency, alleging the occurrence of an event that
entitles a USI Indemnified Person to indemnification by the Buyer hereunder.

       10.2.3 The Buyer, at its own expense, shall be entitled to participate in
such action or proceeding, and, after written notice from the Buyer to USI and
consent from USI (which consent shall not be unreasonably withheld), to assume
the defense of such action or proceeding with mutually acceptable counsel, or
also, with such USI Indemnified Person's consent (which consent shall not be
unreasonably withheld), compromise or settle such action or proceeding, at its
own expense. Notwithstanding the Buyer's assumption of the defense of such
action or proceeding, such USI Indemnified Person shall have the right to employ
separate counsel and to participate in the defense of such action or proceeding
at its own expense.

     10.3. With respect to each indemnification matter, within ten (10) Business
Days after the indemnitee receives documents pertaining to any demand or
proceeding constituting such indemnification matter, or within such shorter
period of time as may be necessary under the circumstances to avoid prejudice to
the indemnitor's rights, the indemnitee shall give notice to the indemnitor of
the nature of such indemnification matter and shall deliver to the indemnitor
copies of all such documents. In addition, no later than ten (10) Business Days
after a final agreement is reached or a final judgment is rendered with respect
to such indemnification matter, the indemnitor shall pay to the indemnitee any
amounts to which the indemnitee is entitled under this Section.

     11. Termination.
         -----------

     11.1. This Service Agreement may be terminated either by the Buyer or by
USI and USIS at anytime after July 31, 2001 on 180 days' prior written notice to
the other.

     11.2. The Buyer may terminate this Service Agreement by giving written
notice to USI at any time between July 31, 2000 and July 31, 2001, if, on or
prior to July 31, 2000, the conditions to payment of the Conditional Payment set
forth in Sections 5.2 and 5.3 of the Agreement shall not have been met. Such
termination shall be effective on the date 90 days following the date on which
such notice is given.

     11.3. If the Buyer notifies USI of any breach of the terms hereof by any
USI Party, and such breach has not been cured to the reasonable satisfaction of
the Buyer within thirty days after the date of such notice, then the Buyer may
terminate this Service Agreement at any time during the continuance of such
breach, by giving written notice to USI.

     11.4. If at any time any entity or affiliated group acquires ownership of a
50% or greater equity interest in USI then the Buyer may terminate this Service
Agreement at any time thereafter by giving ninety (90) days' prior written
notice to USL For purposes of this Section 11.4, ownership of a specified
percentage equity interest of USI means the right to determine, directly or
indirectly, the votes of that percentage of the voting shares (or other equity

                                       11

<PAGE>

interest) of USI, or to appoint or cause the appointment of that percentage of
the members of the Board of Directors or Executive Committee of US1.)

     11.5. Notwithstanding any termination hereof, the USI Parties shall
continue to provide the Services with respect to all then-current policies and
programs through the effective date of such termination, or such later date as
is provided herein.

     11.6. The provisions of Sections 4.2, 4.3, 6, 7, 9, 1 0, and 21 shall
survive termination of this Service Agreement.

     12. Accounting and Audit. During the term of this Service Agreement and for
         --------------------
a period of ninety (90) days following the termination hereof, the Buyer may, at
its own expense, inspect any USI Party's records relating to, and conduct
internal audits of, all transactions hereunder, provided that any such
inspection or audit shall be conducted during the normal business hours on at
least two Business Days' prior notice.

     13. Assignment. The provisions of this Service Agreement shall bind the
         ----------
successors and permitted assignees of the respective parties hereto, provided
that neither USI and USIS nor the Buyer may transfer their/its obligations
hereunder without the prior written consent of the other. Specifically, without
limitation, USI and USIS may not subcontract the performance of the Services to
any non-USI Party.

     14. Amendment -and Waiver. This Service Agreement may be amended, modified,
         ---------------------
superseded or canceled only by a written instrument executed by a duly
authorized officer or director of each of the parties, or, in the case of a
waiver, executed by a duly authorized officer or director of the party waiving
compliance. No waiver by either party of any default shall be deemed a waiver of
any subsequent default.

     15. Exhibits; Schedules. The terms and conditions of the Exhibit and the
         -------------------
Schedules to this Service Agreement are hereby incorporated by reference and
made a part hereof, as if fully set forth herein. In the event of a conflict
between the provisions of this Service Agreement and those of any Exhibit or
Schedule, the provisions of this Service Agreement shall govern.

     16. Applicable Law. This Service Agreement shall be governed by and
         --------------
construed in accordance with the laws of New York.

     17. Counterparts. This Service Agreement may be executed in any number of
         ------------
counterparts each of which shall be considered an original but all of which,
taken together, shall be deemed to constitute one document.

     18. Headings. The headings of the Articles and Sections herein are inserted
         --------
for ease of reference only and shall not be deemed to constitute a part hereof.

     19. Integration. This Service Agreement, together with its Exhibits and
         -----------
Schedules, constitutes the complete and final understanding between USI and USIS
on the one hand, and the Buyer on the other, and supersedes and replaces all
prior negotiations and agreements between them with respect to the subject
matter hereof, except as otherwise specifically provided herein.

                                       12

<PAGE>

     20. Non-Agency; No Joint Employment. Except as otherwise specifically
         -------------------------------
provided, no USI Party appoints the Buyer, nor does the Buyer appoint any USI
Party, as agent for any purpose whatsoever, and this Service Agreement shall not
be construed as giving rise to an agency relationship between any USI Party and
the Buyer. Neither the USI Parties nor the Buyer shall accept service of
process, make any statements to any person or entity, or take any other action,
on behalf of the other. Neither USI and USIS on the one hand, nor the Buyer on
the other, intends by virtue of this Service Agreement to become the employer of
the employees of the other, and each such party is responsible for the actions
and control of its respective employees.

     21. Notices. Any notice to be given pursuant to this Service Agreement
         -------
shall be sufficiently given if in writing and delivered by hand, by courier, or
by prepaid registered air mail with return receipt requested, as follows:

                     (i) if to USI or USIS:

                             USI Insurance Services
                             50 California Street, 24th Floor
                             San Francisco, CA 941 11
                             Attention: President

                             Facsimile No.: 415-983-0101

                             Copy to:

                             USI Insurance Services
                             50 California Street, 24th Floor
                             San Francisco, CA 941 11
                             Attention: General Counsel
                             Facsimile No.: 415-837-1650

                    (ii) if to the Buyer:

                             Chase Insurance Agency, Inc.
                             380 Madison Avenue, 13' Floor
                             New York, NY 10017
                             Attention: President and CEO
                             Facsimile No.: 212-622-4470

                             Copy to:

                                       13

<PAGE>

                             Arthur T. Guja

                             Vice President and
                             Assistant General Counsel
                             Legal Department The Chase
                             Manhattan Bank One Chase
                             Manhattan Plaza New York,
                             NY 10081 Facsimile No.:
                             212-383-0253

Notices shall be effective when received. The parties may change their
respective addresses for the purpose of receiving notices pursuant to this
Agreement by giving notice thereof pursuant to this Section.

     22. Severability. In the event any one or more of the provisions contained
         ------------
in this Service Agreement shall for any reason be held to be invalid, illegal,
or unenforceable in any respect, such invalidity, illegality or unenforceability
shall not affect any other provisions of this Agreement, but this Service
Agreement shall be construed as if such provision had never been contained
herein, provided that this Service Agreement, without such provision, does not
fail in its essential purpose.

     IN WITNESS WHEREOF, the parties have executed this Agreement by their duly
authorized officers.

                                     CHASE INSURANCE AGENCY, INC.

                                     By: /s/ Arthur T. Guja
                                         -------------------------------
                                     Name:  Arthur T. Guja
                                         -------------------------------
                                     Title: Vice President
                                            ----------------------------

                                     USI HOLDINGS CORPORATION

                                     By: /s/ David L. Eslick
                                         -------------------------------
                                     Name:  David L. Eslick
                                          ------------------------------
                                     Title: President
                                            ----------------------------

                                     USI INSURANCE SERVICES CORP.

                                     By: /s/ David L. Eslick
                                         -------------------------------
                                     Name: David L. Eslick
                                          ------------------------------
                                     Title: President
                                            ----------------------------

                                       14

<PAGE>

                       [Schedules and Exhibits excluded]<PAGE>

                                                                   Exhibit 10.15

                                  [LOGO] Unum
                       Protecting everything you work for

                               MARKETING CONTRACT
                               ------------------

     This Contract is made effective       January 1, 2000      , by and between
                                     ------               ------
Unum Life Insurance Company of America and its affiliates ("Unum") and USI
Insurance Services Corp. ("You"). It is mutually agreed that this Contract is
set forth upon the following terms and conditions:

1.   AUTHORITY
     ---------

It is hereby agreed that:

     (1) You will provide access to and endorse and promote Unum to producers
     recruited, selected, employed, or contracted by You and identified as
     subject to this Contract on Unum's systems ("Your Producers") as the
     primary source for the types of insurance products listed on the Marketing
     Services Fees Schedule ("Unum Products") and will promote Unum to Your
     Producers in an attempt to encourage Your Producers to solicit and sell
     Unum's Products.

     (2) You will retain the rights to continue to act as an independent
     insurance and marketing entity in all respects as to all other insurance
     products of Your own and those of other companies.

     (3) You are not authorized to act on behalf of Unum by any promise or
     contract, incur any debt or liability in Unum's name, or alter any
     provision of any Unum Product. Your entire activity is devoted solely to
     providing access to, endorsing, and promoting Unum Products to Your
     Producers.

     (4) You shall have no authority to underwrite applications for Unum
     Products received from Your Producers or administer claims for Unum
     Products.

     (5) Unum reserves the right to withdraw Unum Products from any and all
     jurisdictions, or change rates or underwriting guidelines for Unum
     Products, at any time. Unum will use best efforts to notify you of such
     changes.

2.   RESPONSIBILITIES
     ----------------

A. You understand and agree that Your responsibilities under this Contract
include the following:

     (1) You represent that You have performed any background investigation
     required by applicable state or federal law on all Your Producers subject
     to this Contract and that Your Producers have not been convicted of a state
     or federal felony crimes as of the date of the investigation that would
     prohibit or disqualify them from participating in the business of
     insurance.

<PAGE>

     (2) You shall instruct Your Producers that:

          a. Your Producers are to solicit Unum Products only in jurisdictions
          where those Products are approved for sale. Unum will provide You with
          notice of the states in which Products are approved for sale.

          b. Unum Products may only be solicited by Your Producers who are
          legally licensed and duly appointed to solicit such Products.

          c. Your Producers shall not make any representations concerning Unum
          Products except those representations contained in sales literature
          and advertising materials provided by Unum or previously reviewed and
          approved in writing by Unum. Any such materials provided by Unum will
          remain the property of Unum.

     (3) You shall provide reasonable supervision designed to ensure that Your
     Producers do not violate any Unum procedures or policies of which Unum has
     notified You or any laws, rules or regulations of any federal, state or
     local government, department or bureau having jurisdiction over the sale
     and service of Unum Products.

     (4) You agree to indemnify, defend, and hold Unum and its affiliates
     harmless against any and all losses, fines, or damages resulting from acts,
     omissions or breach by You or Your Producers of any responsibilities,
     representations or obligations under this Contract or any unauthorized or
     fraudulent acts or omissions by You or Your Producers, during the term of
     this Contract unless such are occasioned by and directly result from the
     acts or omissions of Unum. This indemnification provision shall survive
     termination of this Contract.

     (5) You will extend every reasonable effort to support the interests of
     Unum in the sale of Unum Products by Your Producers.

     (6) You agree that, during the term of this Contract and for a period of
     six (6) months following the date of termination of this Contract, You will
     not actively recruit as Your employee any individual who had been employed
     in a field office of Unum during the one-year period immediately preceding
     the date on which the individual is proposed to be employed by You. A
     pattern of frequently employing such individuals will be deemed to be
     conclusive proof of active recruitment.

     (7) You hereby agree that You will not violate any laws, rules, or
     regulations of any federal, state or local government, department or bureau
     having jurisdiction over this Contract.

     (8) You will notify Unum immediately in writing of the termination by You
     of any of Your Producers, who are subject to the terms of this Contract or
     any relationship therewith, such notice to include the reason therefor.

     (9) You will provide copies of Your Producers' licensing and contracting
     files upon written request from Unum upon good cause.

     (10) You will designate a liaison to act as the primary contact for Unum in
     matters related to the Contract.

                                       2

<PAGE>

B. Unum understands and agrees that its responsibilities under this Contract
include the following:

     (1) Unum will provide sales support to Your Producers similar to that
     provided to Unum's other producers.

     (2) At Unum's expense, Unum will supply Your Producers with sales kits,
     brochures, sales proposals, and any other materials that are customarily
     used by Unum's producers to sell Unum Products or to meet compliance
     requirements.

     (3) Unum will secure all appointments necessary for Your Producers to act
     as representatives of Unum. Unum has the sole right to accept, reject or
     terminate appointment of Your Producers to act as producers for Unum. Unum
     will notify You of any such termination. Any required appointment fees will
     be paid by Unum to the extent that Unum pays such fees for Unum producers.
     Your Producers shall be subject to Unum's normal business policies and
     procedures of which You are notified

     (4) Unum agrees that, during the term of this Contract and for a period of
     six (6) months following the date of termination of this Contract, Unum
     will not actively recruit as its employee any career agent or other
     individual who had been employed in Your field offices during the one-year
     period immediately preceding the date on which the individual is proposed
     to be employed by Unum. A pattern of frequently employing such individuals
     will be deemed to be conclusive proof of active recruitment.

     (5) Unum agrees to indemnify, defend, and hold You harmless against any and
     all losses, fines, or damages resulting from acts, omissions, or breach by
     Unum of any responsibilities, representations or obligations under this
     Contract or any unauthorized or fraudulent acts or omissions by Unum,
     during the term of this Contract unless such are occasioned by and directly
     result from the acts or omissions of You or Your Producers. This
     indemnification provision shall survive termination of this Contract.

     (6) Unum will not encourage Your Producers to solicit or sell products
     other than the Unum Products listed on the Marketing Service Fees Schedule.

     (7) Unum will have sole responsibility for providing problem resolution to
     Your Producers for all matters involving administration of Unum Products
     placed by Your Producers. Such problem resolution is to be handled in a
     manner consistent with Unum's normal operating procedure.

3.   MARKETING SERVICE FEES
     ----------------------

As compensation for the responsibilities and obligations assumed by You pursuant
to this Contract, Unum will pay Marketing Service Fees as shown in the
applicable Schedule(s) ("Exhibit A"): (1) for individual policies on
applications taken, and (2) for employee benefits coverages, on coverages first
effected, by your Producers during the term of this Contract. In no event shall
Marketing Service Fees paid under this Contract exceed any limits imposed by
applicable law or regulation. At any time Unum determines that it is necessary
for Unum to change the rate of Marketing Service Fees under this Contract, Unum
shall give You ninety (90) days written notice of such change. You represent
that You are authorized under applicable laws and regulations to receive such
Marketing Service Fees.

Unum shall have, as a condition precedent to payment of Marketing Service Fees
due You under this

                                       3

<PAGE>

Contract, the right to offset against any such Marketing Service Fees, any
debts, liabilities, obligations, or indebtedness which may become due at any
time from You. Further, Unum shall have the right to use and apply amounts due
under any and all contracts You have entered into with Unum or its affiliates to
offset any debts, liabilities, obligations, or indebtedness that may accrue on
any and all of said contracts. Prior to exercising its right to offset, Unurn
shall provide You with thirty (30) days written notice. If within thirty (30)
days of such notice, You satisfy all debts, liabilities, obligations, or
indebtedness, no such offset shall occur. Any debts, liabilities, obligations,
or indebtedness owed Unum shall immediately become due and payable upon
termination of this Contract.

Unum will furnish You with periodic statements showing Marketing Service Fees
payments made to You within such accounting period. Unum will also report to You
the amount and type of premium recorded by Unum and the amount and type of
compensation paid to Your Producers. You hereby agree that the ledger accounts
of Unum shall be competent and sufficient evidence of the state of accounts
between You and Unum. Failure by You to object in writing to any statement of
account furnished by Unum to You within sixty (60) days from the date of such
statement of account shall render such statement a correct account as between
You and Unum. Any amount paid to You in error shall be due and payable
immediately upon request by Unum.

Notwithstanding any term in this Contract to the contrary, Unum's obligation of
payment of Marketing Service Fees to You will cease and all Marketing Service
Fees may, at Unum's discretion, be forfeited if You systematically induce,
directly or indirectly, policyholders of Unum to replace, or discontinue the
payment of premiums on, Unum Products. This paragraph shall apply only in the
event that a pattern and practice of replacement of more than 50% of Your
inforce Unum Products is established and Unum remains a competitive provider of
Unum Products.

4. PRODUCER COMPENSATION
   ---------------------

Your Producers will be required to enter into standard producer contracts with
Unum in order to receive compensation, for the sale of Unum Products. Unum will
pay compensation in accordance with its applicable schedules ("Exhibit B"). Such
compensation will be paid directly to Your Producers in the same manner as Unum
compensates its other producers. Compensation rates may be changed from time to
time as set forth in such contracts. Compensation will be paid only to Your
Producers who are properly licensed and appointed in the state in which an
application is taken. Unum has the sole right to terminate such contracts
subject to Unum's normal business policies and procedures. Existing producer
contracts between Unum and Your Producers will continue in effect, subject to
termination by Unum in accordance with its rules then in effect for all such
contracts. Unum Products written under existing contracts will not be used in
determining the Marketing Service Fees payable to You pursuant to this Contract.
Unum will not knowingly enter into a separate contract with Your Producers for
Unum Products as long as Your Producer still maintains an active relationship
with You. However, if Your Producer demonstrates in writing that his or her
relationship with You has ended, Unum may enter into a new producer contract not
subject to the terms of this Contract.

5. INDEPENDENT CONTRACTOR
   ----------------------

You and Your Producers are independent contractors and not employees of Unum.
Nothing contained in this Contract shall be construed to create the relation of
employer and employee between Unum and You or Your Producers. Unum shall not be
responsible for the payment of any employment, income or social security taxes
for the privilege of doing business or arising in connection with the
compensation payable to Your Producers involved in the provision of the services
hereunder. Subject to this Contract, You and

                                       4

<PAGE>

Your Producers shall be free to conduct business with such other persons and
entities and at such time and place as You and they may select.

6. TERMINATION
   -----------

This Contract may be terminated without cause at any time by either party by
giving to the other party ninety (90) days written notice of termination.

In the event either party fails to comply with any material term of this
Contract, this Contract may be immediately terminated for cause by the other
party upon written notice of such failure to comply. Such notice of termination
to be effective on the date specified therein unless the other party cures such
failure within thirty (30) days of such notice.

Upon termination of this Contract, You shall immediately deliver to Unum all
materials and supplies belonging to or supplied by Unum.

The responsibilities of both parties with respect to (a) the continuing
administration and service of inforce business and (b) vested Marketing Service
Fees (if applicable) shall not be affected by such termination. Marketing
Service Fees under this Contract shall be vested only as set forth in the
applicable schedules.

7. COMPLAINTS AND RECORDS
   ----------------------

Each party will immediately notify the other party of any complaint against it
or Your Producers arising from performance, or lack thereof, of this Contract.
Each party will, upon receipt of any summons, complaint, or notice of suit,
forward such notice to the other party by express or overnight mail. Each party
will, upon receipt of any inquiry from an insurance department or other
regulatory body with respect to activity under this Contract, forward such
inquiry to the other party by express or overnight mail.

Each party shall maintain at its principal administrative office adequate books
and records of all transactions under this Contract. Each party shall have the
right to audit such books and records upon reasonable notice to the other party.
Such books and records shall be maintained in accordance with prudent standards
of insurance recordkeeping for the term of this Contract and for the five-year
period following the termination of this Contract.

8. NOTICES
   -------

All notices, requests, demands and other communications between the parties
pursuant to this Contract shall be deemed delivered when mailed to the parties
as follows:

To You:             David L. Eslick
                    Chief Operating Officer
                    USI Insurance Services Corp.
                    50 California Street, 24th Floor
                    San Francisco, CA 94111-4796

                                       5

<PAGE>

To Unum:            Unum
                    One Fountain Square
                    Chattanooga, TN 37402
                    ATTN: National Marketing Organization

9. TERMS
   -----

This Contract shall be governed by, construed and interpreted in accordance with
the laws of the State of Tennessee.

This Contract is binding upon Unum and You, and our respective, successors and
assigns. You are expressly prohibited from making any sale, transfer,
assignment, hypothecation or pledge of any interest whatsoever in this Contract,
or any funds due or to become due hereunder, unless expressly approved in
writing by Unum. Performance of this Contract is not contingent upon Unum's
rating, underwriting or marketing practices. This Contract does not expressly or
impliedly obligate Unum to accept insurance business from Your Producers that
does not comply with Unum's rating, underwriting or marketing practices as they
may exist and change from time to time during the term of this Contract.

This Contract, together with any amendments hereto, embodies the entire contract
between the parties with respect to the subject matter herein. No amendment,
waiver, modification, variation, or changes will be binding on any party unless
reduced to writing and signed by an authorized officer of both parties. The
failure or any delay of either party at any time to insist upon performance of
any term set forth herein shall not be construed as a waiver of performance of
such term. This Contract cancels and supersedes all previous understandings,
agreements or contracts, whether written or oral, between the parties with
respect to the subject matter herein. If any provision of this Contract should
be determined to be invalid or otherwise unenforceable under law, the remainder
of this Contract shall not be affected thereby.

Each party acknowledges that, in performing its responsibilities under this
Contract, it may receive disclosure of the other party's valuable, confidential,
unique, and proprietary information ("Confidential Information"). If such
Confidential Information is designated in writing as such, then, except as
provided in this Contract or as reasonably required to perform its duties and
obligations under this Contract, neither party shall, directly or indirectly,
disclose, sell or otherwise transfer or make available to any third party, or
use for any purpose, any Confidential Information in its possession.
Confidential Information shall not include (a) any information that is or
becomes generally available to the public, other than as a result of breach of
this Contract or (b) any information that is lawfully obtained from a third
party with the right to disclose such information, or (c) any information that
each party either possessed prior to the effective date on this Contract or
independently developed at any time.

                                       6

<PAGE>

IN WITNESS WHEREOF, this Contract has been duly executed.

Unum Life Insurance Company of             USI Insurance Services Corp. of San
America and its affiliates                 Francisco, California
("Unum")                                            ("You")

By: /s/ Roger D. WALL                        By: /s/ David L. Eslick
    ------------------------------------         -------------------------------

    Roger D. WALL                                David L. Eslick
----------------------------------------   -------------------------------------
Name                                       Name

    VP, National Marketing Organization          President & COO
----------------------------------------   -------------------------------------
Title                                      Title

    2-14-00                                      50 California
----------------------------------------   -------------------------------------
Date                                       Street Address

                                                 S.F. CA 94111
                                           -------------------------------------
                                           City, State, Zip

                                       7

<PAGE>

                                    Exhibit A

                             NET ALLOWANCE SCHEDULE
                                      FOR
                          USI INSURANCE SERVICES CORP.

                      INDIVIDUAL DISABILITY INCOME PRODUCTS
                      -------------------------------------

Marketing Service Fees:
-----------------------

An Individual Disability Income Marketing Service Fee will be paid based on
total paid first-year IDI comissionable premium sold by USI Insurance Services
Corp. and accepted by UNUM Life Insurance Company of America and its affiliates
herein referred to as the "Company" according to the following schedule:

---------------------------------------------------------------
Illegible
---------------------------------------------------------------
First $1,000,000                   10.0%                   2.0%
---------------------------------------------------------------
Next  $1,000,000                   13.0%                   2.0%
---------------------------------------------------------------
Next  $1,000,000                   17.0%                   2.0%
---------------------------------------------------------------
Next  $1,000,000                   19.0%                   2.0%
---------------------------------------------------------------
Over  $4,000,000                   21.0%                   2.0%
---------------------------------------------------------------

..    When the total paid first-year IDI commissionable premium equals any of the
     listed thresholds, the higher first-year IDI Marketing Service Fee will be
     paid on the incremental paid first-year commissionable premium.

..    Production related to Accident Income Recovery (Policy Form 475) and
     Essential Disability Protection (EDP) will apply in calculating the total
     paid first-year IDI commissionable premium; however, Marketing Service Fees
     will not be paid on these products.

..    Amounts paid to producers associated with USI Insurance Services Corp.
     under the Premier Bonus program (or any successor or replacement program)
     will be deducted from Marketing Service Fees otherwise payable to USI
     Insurance Services Corp.

                                       8

<PAGE>

                           EMPLOYEE BENEFITS PRODUCTS
                           --------------------------

Marketing Service Fees:
-----------------------

An Employee Benefits Marketing Service Fee will be paid based on total paid
first-year Employee Benefits commissionable premium sold by USI Insurance
Services Corp. according to the following schedule:

A.   Base Amount: A guaranteed payment amount of 1.0% of new annualized
     first-year Employee Benefits premium.

B.   Block Management Bonus: See the following schedule.

-------------------------------------------------------------
Illegible       Illegible   Illegible   Illegible   Illegible
-------------------------------------------------------------
87% to 89.99%       0%         0.5%        1.5%        2.0%
-------------------------------------------------------------
90% to 92.99%     1.0%         1.5%        2.0%       2.75%
-------------------------------------------------------------
93% to 95.99%     1.5%         2.0%       2.75%       3.75%
-------------------------------------------------------------
96% and above     2.0%        2.75%       3.75%        5.0%
-------------------------------------------------------------

..    Amounts paid to producers associated with USI Insurance Services Corp.
     under the Premier Bonus program (or any successor or replacement program)
     will be deducted from Marketing Service Fees otherwise payable to USI
     Insurance Services Corp.

..    A pro-rata refund must be made to the Company for any Marketing Service
     Fees on premiums refunded for any reason, at the same rate at which
     Marketing Service Fees were originally paid.

..    For purposes of this Schedule, Persistency is defined as a fraction, the
     denominator of which is "Beginning Inforce", as defined herein, and the
     numerator of which is "Year End Inforce", as defined herein. The resulting
     fraction shall be expressed as a percentage, rounded to the nearest
     hundredth of a percent.

     For the purposes of this Schedule, Beginning Inforce shall mean the
     aggregate annualized Product premium from cases that are in force on
     January 1 of the calendar production year, and on which a USI Insurance
     Services Corp. representative is the designated "Broker-of-Record", as
     defined herein.

                                       9

<PAGE>

     For the purposes of this Schedule, Year End Inforce shall mean "Beginning
     Inforce" minus the aggregate annualized Product premium which is lost from
     Beginning Inforce during the calendar production year due to termination,
     cancellation, or other discontinuance of insurance, and excluding any new
     Product premium produced in such calendar production year.

     For the purposes of this Schedule, Broker-of-Record shall mean the broker
     designated by the policyholder or contract holder and recognized by Unum as
     entitled to receive commissions or service fees on a policy or contract to
     which this Schedule applies.

..    Marketing Service Fees will not be paid on Employee Benefits plans written
     on an ASO financing arrangement, Mini Plans or Broker-of-Record changes.

..    Marketing Service Fees will not be paid on Employee Benefit Reserve
     buyouts.

..    Employee Benefit cases which migrate between companies in the UNUM group
     will not count as new business for allowance/compensation purposes.

                           VOLUNTARY BENEFITS PRODUCTS
                           ---------------------------

Marketing Service Fees:
-----------------------

A first-year Voluntary Benefits Marketing Service Fee will be paid based on
total annualized commissionable VB premium sold by USI Insurance Services Corp.
according to the following schedule:

----------------------------
Illegible          Illegible
----------------------------
First $500,000       1.00%
----------------------------
Next  $400,000       2.75%
----------------------------
Next  $600,000       4.75%
----------------------------
Over  $1,500,000     6.75%
----------------------------

..    When the total annualized commissionable VB premium sold equals any of the
     listed thresholds, the higher first-year Voluntary Benefits Marketing
     Service Fee will be paid on incremental total annualized commissionable VB
     premium.

..    Amounts paid to producers associated with USI Insurance Services Corp.
     under the Top Tier program (or any successor or replacement program) will
     be deducted from Marketing Service Fees otherwise payable to USI Insurance
     Services Corp.

                                       10

<PAGE>

..    The Company will be due a pro-rata refund of the first-year Marketing
     Service Fees on premiums refunded for any reason at the same rate at which
     the Marketing Service Fees were originally paid.

                               GENERAL PROVISIONS

l.   Marketing Service Fees on temporary flat extra premiums, waived premiums,
     forgiven premium, discontinued/suspended premiums, internal rollovers,
     policy or administrative fees, or on the amount of permanent table-rated or
     percentage-rated premiums will be payable only as provided in the Company's
     then current rules and practices.

2.   Unless provided otherwise, Marketing Service Fees payable on supplementary
     benefits will be at the same rates and subject to the same provisions as
     the policies to which they are attached.

3.   On any policy eligible for discount(s), Marketing Service Fees payable
     shall be based on the actual premiums paid.

4.   If this Contract is terminated, the applicable first year and renewal
     Marketing Service Fees which are otherwise payable on premiums received by
     the Company shall be continued only through the tenth policy year.

5.   The unearned portion of any Marketing Service Fees paid to USI Insurance
     Services Corp. under a policy that has been terminated prior to the first
     policy anniversary date will be charged back to USI Insurance Services
     Corp. as an indebtedness to the Company.

6.   Marketing Service Fees payable on policy changes, made-over policies, or
     policies being replaced by a new policy will be determined by the Company
     in accordance with its then current rules and practices.

7.   The Company reserves the right to withdraw products or product lines from
     any and all jurisdictions at any time. The Company may introduce new
     products from time to time and compensation rates on such products will be
     established at the time of product introduction and may differ from rates
     published in this schedule.

8.   For policies with issue ages 65 and above, Marketing Service Fees will be
     determined by the Company in accordance with its then current rules and
     practices.

9.   Compensation rates may vary in some states due to regulatory requirements.
     Premiums received on policies issued in such states shall earn compensation
     as set forth in separate schedules.

                                       11

<PAGE>

                                    Exhibit B

                        COMMISSION SCHEDULED FOR BROKERS
                                    Illegible

     In accordance with the Compensation section in Your Contract/Agreement
     (hereinafter referred to as contract), this schedule is hereby adopted as
     part of that contract and replaces all prior commission schedules and
     contract amendments for business applied for on or after the effective date
     of this schedule. This schedule applies only to policies as so defined and
     classified by the Company which the Broker has been authorized to represent
     pursuant to the above-referenced contract.

     COMMISSIONS AND SERVICE FEES

1.   INDIVIDUAL INCOME PROTECTION ("IIP") first year commissions, renewal
     ----------------------------
     commissions and service fees will be payable to You as a percentage of
     commissionable premiums accepted by the Company on policies issued and
     placed on applications written personally by You, or in Your name, at the
     following rates:

First Year Commission:                      Renewals and Service Fees:
----------------------------------------------------------------------
Illegible
----------------------------------------------------------------------
Individual Income Protection   50%      1-7,499          5%   2.5%  2%
Products
                                    ----------------------------------
  (except as noted below for        7,500 - 14,999      10%     5%  2%
Accident
                                    ----------------------------------
 Income Recovery and Secure-        15,000 - 34,999     15%    10%  5%
Pak Plus)
                                    ----------------------------------
                                        35,000+       17.5%  12.5%  5%
----------------------------------------------------------------------
----------------------------------------------------------------------
Accident Income Recovery       65%        NA             0%     0%  0%
----------------------------------------------------------------------

----------------------------------------------
Illegible
----------------------------------------------
 2 Year Benefit Period           60%   6%   6%
----------------------------------------------
 5 Year and Age 65 Benefit       50%   5%   2%
Periods
----------------------------------------------

A.   For AIB, FIO, GPI, GCI riders, Update, Indexing and similar Individual
     Income Protection policy riders or additions, the rates in this schedule
     apply to the premium charged for these riders or additions at the time of
     policy issue. When the benefit is exercised, the commissions on the new
     additional premium for the increased insurance will be paid according to
     Company rules and practices then in effect.

B.   For multi-life/large case policies issued as part of a special discount
     plan approved in advance, compensation will be adjusted in accordance with
     the Company's then current rules and practices.

                                       12

<PAGE>

C.   Renewal commission rates are determined for years 2 through 10 based upon
     the level of New Net Annualized Premium produced in the calendar year in
     which the policy was placed and paid.

2.   INDIVIDUAL LONG TERM CARE INSURANCE first year commissions, renewal
     -----------------------------------
     commissions and service fees will be payable to You as a percentage of
     commissionable premiums accepted by the Company on policies issued and
     placed on applications written personally by You, or in Your name, at the
     following rates:

--------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------
   Year 1               Year 2-10                    Years 11 +
--------------------------------------------------------------------------
 Issue Age            Year 1 Net               In Force ILTC Premiums:
 ---------            Annualized
Less than 75   50%   ILTC Premium:       7.5%   Less than $25,000       0%
75 or More     40%  Less than $35,000   10.0     $25,000 or More        5%
                     $35,000 or More        %
--------------------------------------------------------------------------

----------------------------------------------------------
Illegible
----------------------------------------------------------
  Year 1            Year 2-10       Years 11+
----------------------------------------------------------
Issue Age                       In Force ILTC Premium
---------
Less than 75   25%     15%      Less than $25,000       0%
75 or More     20%               $25,000 or More        5%
----------------------------------------------------------

--------------------------------
Illegible
--------------------------------
Year 1   Year 2 - 10   Years 11+
--------------------------------
  32%        16%         0%
--------------------------------

------------------------------------------------------------
Illegible
------------------------------------------------------------
Years 1 - 3         Years 4-10          Years 11+
------------------------------------------------------------
 Issue Age                       In Force ILTC Premium:
 ---------                        Less than $25,000       0%
Less than 75   32%     4%         $25,000 or More         5%
75 or More     25%
------------------------------------------------------------

                                       13

<PAGE>

--------------------------------------------------------------------------------
                          Illegible
--------------------------------------------------------------------------------
Year 1                     Year 2-10                         Year 11+
--------------------------------------------------------------------------------
Issue Age           Year 1 Net Annualized           In Force II.TC Premium:
---------              ILTC Premium:
                       -------------
Less than   40         Less than $7,500        10%   Less than $25,000        0%
    75        %  $7,500 to less than $15,000   11%   $25,000 or More          5%
   75 or    30       $15,000 to less than      12%
   More       %              $30,000           13%
                  $30,000 to less than         14%
                        $50,000
                    $50,000 or more
--------------------------------------------------------------------------------

INDIVIDUAL LONG TERM CARE INSURANCE: Level Commission Scale Option
-----------------------------------

--------------------------------------------------------------------------------
                                  Illegible
--------------------------------------------------------------------------------
                Years 1 - 10                      Years 11 +
--------------------------------------------------------------------------------
                   15%                      In Force ILTC Premium:
                                            ----------------------
                                            Less than $25,000        0%
                                            $25,000 or more          5%
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
                         Level Commission Scale Industry
--------------------------------------------------------------------------------
                 Years 1 - 10                        Years 11 +
--------------------------------------------------------------------------------
                     18%                                 0%
--------------------------------------------------------------------------------

A.   While Broker's contract is active, Broker must maintain at least $10,000 of
     annualized ILTC in force premium to receive ongoing commission in years 11
     and on.
B.   For purposes of computing the Commissions Payable on ILTC premiums paid on
     policies with an Accelerated
     Premium Option rider, only sixty percent (60%) of such premiums shall count
     as paid premium.
C.   Commissions Payable on Individual Long Term Care policies shall be
     determined either on a HI/LO commission scale or a Level commission scale
     (as illustrated in this schedule). You shall provide the Company written
     notification of which commission scale, HI/LO or Level, is to be used to
     determine Commissions Payable under this commission Schedule. The Company
     must receive such written notification, on a form approved by the Company,
     before Your first submission of an Individual Long Term Care application
     following the effective date of this Commission Schedule. If You fail to
     provide the Company with such written notification, the Company shall
     determine Commissions Payable using the HI/LO commission scale.

3.   INDIVIDUAL LIFE INSURANCE first year commissions, renewal commissions and
     -------------------------
     service fees will be payable to You as a percentage of commissionable
     premiums accepted by the Company on policies issued and placed on
     applications written personally by You, or in Your name, at the following
     rates:

                                       14

<PAGE>

Life Insurance First Year Commission:               Renewals and Service Fees:

------------------------------------------------------------------------------
Illegible                        Illegible   Illegible   Illegible   Illegible
------------------------------------------------------------------------------
Term
------------------------------------------------------------------------------
  Level I Term (10 & 15 year)       60%          0%          0%          0%
------------------------------------------------------------------------------
  Level I Term (20 year)            70%          0%          0%          0%
------------------------------------------------------------------------------
  Level II Term                     80%          0%          0%          0%
------------------------------------------------------------------------------
  Executive Life Carve-Out          10%          6%          6%          6%
------------------------------------------------------------------------------
Permanent
------------------------------------------------------------------------------
  Low Premium UL                    80%          6%          5%          2%
------------------------------------------------------------------------------
  Cash Accumulation UL              80%          5%          5%          2%
------------------------------------------------------------------------------
  UL-2100                           80%          6%          6%          3%
------------------------------------------------------------------------------
  Survivorship                      65%          3%          3%        2.5%
------------------------------------------------------------------------------

A.   For universal life products and Survivorship, commission rates apply to
     premiums paid on commissionable minimum cost of insurance premium.
     Commissions Payable on excess premium deposits, above the commissionable
     minimum cost of insurance premium, is 3% in all years the excess premium is
     paid.

B.   Commission Payable on term insurance re-entry is one-half the base first
     year commission rates shown in the table.

4.   GROUP INSURANCE commissions will be payable to You as a percentage of
     ---------------
     commissionable premiums accepted by the Company on Group policies issued
     and placed on applications written personally by You, or in Your name, at
     the following rates:

-----------------------------------------------------------------------------
           Product                   Illegible                      Illegible
-----------------------------------------------------------------------------
LTD, Catastrophic Disability,   On the first $15,000                    15%
DBL, Mini Plans and Flex LTD
                                ---------------------------------------------
                                On the next  $10,000                    10%
                                ---------------------------------------------
                                On the next  $25,000                     5%
                                ---------------------------------------------
                                On amounts in excess of $50,000          1%
-----------------------------------------------------------------------------
Life, Flex Life, AD&D, Flex     On the first $10,000                    12%
AD&D, STD, Flex STD
                                ---------------------------------------------
                                On the next $15,000                      7%
                                ---------------------------------------------
                                On the next $25,000                      5%
                                ---------------------------------------------
                                On the next $50,000                      1%
                                ---------------------------------------------
                                On amounts in excess of $100,000       0.5%
-----------------------------------------------------------------------------
Group Long Term Care *          All Premium                             15%
-----------------------------------------------------------------------------
* The Rate of Commissions, on Group LTC policies in Pennsylvania, is 10% of
Policy Year Paid Annual Premium.
-----------------------------------------------------------------------------

                                       15

<PAGE>
---------------------------------------------------------------
    Illegible                                    Illegible
---------------------------------------------------------------
Voluntary LTD                                15% of all premium
---------------------------------------------------------------
Voluntary Life                               15% of all premium
---------------------------------------------------------------
Voluntary AD&D                               15% of all premium
---------------------------------------------------------------
Voluntary LTC                                15% of all premium
---------------------------------------------------------------
Voluntary LTC in PA                          10% of all premium
---------------------------------------------------------------
          Illegible                  Illegible        Illegible
---------------------------------------------------------------
Voluntary LTD, Life and AD&D   50% to less than 75%       5%
                               --------------------------------
                                  75% or greater        7.5%
---------------------------------------------------------------
      Voluntary LTC            15% to less than 25%       5%
                               --------------------------------
                                 Greater than 25%       7.5%
---------------------------------------------------------------

--------------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------------

On premiums for flexible benefit plans, commissions are calculated on each
coverage by using the appropriate commission rates listed above. If service fees
apply, an additional 5% of the annualized fee will be paid based on policyholder
modal payments.

---------------------------------------------------------------
    Illegible                                     Illegible
---------------------------------------------------------------
Business Travel                              15% of all premium
---------------------------------------------------------------
Voluntary AD&D                               15% of all premium
---------------------------------------------------------------
Basic 24 Hour AD&D                           15% of all premium
---------------------------------------------------------------

---------------------------------------------------------------
Illegible                                             Illegible
---------------------------------------------------------------
GUL                                                     10%
---------------------------------------------------------------

A.   The Company's determination of the applicability of the commission tables
     to specified insurance plans and coverages, as defined in Company
     materials, shall be conclusive and shall be made within a reasonable time
     after the effective date of any such coverage. The Company reserves the
     right at any time to review and revise any such determination. The Company
     also reserves the right at any time to review the determination of the
     applicability of the commission table for any product that may have been
     omitted at the effective date of the schedule.

                                       16

<PAGE>

B.   Commissions shall be paid only on the total premium paid to the Company for
     insurance in force during all or part of each policy year, after
     appropriate adjustments have been made for additional premiums or premium
     refunds applicable to such policy year.

C.   If, after its effective date, a policy is amended, and if the additional
     premiums payable under or on account of such amendment or amendments are
     determined by the Company to be NBOC premiums, commissions on such
     additional premiums will be payable under this schedule at such rate and
     such point in scale as the Company shall determine, but such commissions
     will be payable to the broker then designated by the policyholder as
     Broker-of-Record for such business.

5.   VOLUNTARY BENEFITS first year commissions, renewal commissions and service
     ------------------
     fees will be payable to You as a percentage of commissionable premiums
     accepted by the Company on Voluntary Benefits contracts issued and placed
     on applications written personally by You, or in Your name, at the
     following rates:

Voluntary Benefits First Year Commission:  Renewals and Service Fees:
---------------------------------------------------------------------
        Illegible                    Illegible   Illegible   Illegible
---------------------------------------------------------------------
PS Enhancer Disability (A)             60%          6%          6%
---------------------------------------------------------------------
PS Enhancer Disability (B)             50%         10%         10%
---------------------------------------------------------------------
Fortune Universal Life                 65%          5%          0%
---------------------------------------------------------------------
Cancer Assistance
---------------------------------------------------------------------
  Issue Age 0-54                       70%         10%         10%
---------------------------------------------------------------------
  Issue Age 55+                        40%         10%         10%
---------------------------------------------------------------------
PS1000 Universal Life                  75%          5%        2.5%
---------------------------------------------------------------------
PS2000 Excess Interest Whole           90%          5%        2.5%
Life
---------------------------------------------------------------------
Voluntary Income Recovery:
  . Accident                           60%         10%         10%
  . Disability                         60%          6%          6%
---------------------------------------------------------------------

A.   Commissions and service fees on other Voluntary Benefits products not
     listed will be in accordance with the Company's then current rules and
     practices at the time the policy is placed and paid.

B.   All Voluntary Benefits cases are subject to the Company's home office
     pre-approval.

C.   For universal life products, commission rates apply to premiums paid on
     commissionable minimum cost of insurance premium. Commission Payable on
     excess premium deposits, above the commissionable minimum cost of insurance
     premium, is 3% in all years the excess premium is paid.

D.   Commissions Payable on Voluntary Benefit products governed by state law
     that varies from rates shown will be paid according to the applicable rate
     prescribed by state law.

                                       17

<PAGE>

--------------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------------

1.   Commissions and Fees. Commissions and fees on temporary flat extra
     premiums, waived premium, forgiven premium, discontinued/suspended
     premiums, internal rollovers, and/or automatic premium loans, policy or
     administrative fees, or on the amount of permanent table-rated or
     percentage-rated premiums will be payable only as provided in the Company's
     then current rules and practices.

2.   Supplementary Benefits. Unless provided otherwise, commissions and fees
     payable on supplementary benefits will be at the same rates and subject to
     the same provisions as the policies to which they are attached.

3.   Discounts. Commissions and fees payable shall be based upon the actual
     commissionable premiums paid on any policy eligible for discount(s).

4.   Vesting and Payment of Commissions after Contract Termination. First year
     and renewal commissions otherwise payable to You on Voluntary Benefits and
     Individual Life Insurance premiums received by the Company shall be
     continued only through the tenth (10th) policy year. Individual Income
     Protection (IIP) in force premium will be reviewed annually in January of
     each year after Your termination and first year and renewal commissions and
     service fees shall be paid to You according to the following:

          a. If You have $25,000 or more of IIP annual premium in force,
          compensation will be paid during that year on all IIP premium received
          by the Company.
          b. If You have $10,000 but less than $25,000 of IIP annual premium in
          force, first year and renewal commissions for policy years two (2)
          through ten (10) only will be paid during that year on IIP premium
          received by the Company.
          c. If You have less than $10,000 of IIP annual premium in force, first
          year and renewal commissions for policy years two (2) through ten (10)
          only will be paid on IIP premium received by the Company during that
          year only and no subsequent compensation will be paid in future years.

Individual Long Term Care (ILTC) in force premium will be reviewed annually in
January of each year after Your termination and first year and renewal
commissions shall be paid to You according to the following:

     a.   If You have $10,000 or more of ILTC annual premium in force,
          compensation will be paid during that year on all ILTC premium
          received by the Company.
     b.   If You have less than $10,000 of ILTC annual premium is in force,
          first year and renewal commissions for policy years two (2) through
          ten (10) only will be paid during that year on ILTC premium received
          by the Company.

Group commissions shall be paid to You according to the following:

     a.   No new commissions will be paid to You for new business submitted on
          any existing Group policy for which You are the Broker-of-Record.
     b.   You will continue to receive commissions, payable on premiums received
          by the Company, on any Group policy that is in force at the time of
          Your termination as long as You are recognized as the Broker-of-Record
          for that Group policy.
     c.   Following Your termination as Broker-of-Record on any Group policy,
          You shall have no further rights to the commission payable on premiums
          received by the Company on that Group policy.

5.   Minimum Compensation Payment. If Your total current and accumulated
     compensation is less than $100, compensation may be accumulated until such
     compensation exceeds $100 before being paid to You.

                                       18

<PAGE>

6.   Unearned Commissions. The unearned portion of any first year commissions
     paid to You under a policy which has terminated prior to the first policy
     anniversary date will be charged back to You as an indebtedness to the
     Company.

7.   Policy Exchanges, Make-Overs, Replacements. Commissions Payable on policy
     changes, made-over polices, or policies being replaced by a new policy will
     be determined by the Company in accordance with its current rules and
     practices.

8.   Applicable Schedule. Application of compensation schedules is subject to
     the Company's administrative procedures that determine which compensation
     schedule is applicable to Your contract.

9.   Separate Schedule. Notwithstanding anything in this schedule to the
     contrary, premiums received for Individual Life Insurance and Voluntary
     Benefits Life Insurance products issued by the Company on applications
     written by You or in Your name in the state of New York shall earn
     compensation as set forth in a separate schedule.

10.  Products. The Company reserves the right to withdraw products or product
     lines from any and all jurisdictions at any time. The Company may introduce
     new products from time to time and compensation rates on such products will
     be established at the time of product introduction which may differ from
     the rates published in this schedule.

11.  Issue Ages 65 and Above. For policies with issue ages 65 and above, the
     base commission rates will be determined by the Company in accordance with
     its then current rules and practices.

12.  Conversion Privilege. For policies issued in accordance with any conversion
     privilege, first year and renewal commissions will be in accordance with
     the Company's then current rules and practices.

13.  Regulatory Requirements. Compensation rates may vary in some states due to
     regulatory requirements. Premiums received on policies issued in such
     states shall earn compensation according to the applicable rate prescribed
     by state law.

--------------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------------

1.   Broker-of-Record. The broker requested by the policyholder, and accepted by
     the Company, as being entitled to receive commissions and/or service fees
     on the policy(ies) to which this schedule applies.

2.   Commissions Payable. Commissions due to You on applicable premium pursuant
     to the terms and conditions of this Commission Schedule and Your Broker's
     Contract.

3.   Commissionable Premium. On Individual Income Protection and Individual
     Life, commissionable premium is equal to gross premium minus policy fees
     and premium rated in excess of 30%. On Individual Long Term Care,
     commissionable premium is equal to premium received.

                                       19

<PAGE>

4.   In Force Premium. Calculated as the sum of premiums, due from
     policyholders, on policies which are in effect.

5.   NBOC (New Business on Old Contracts) Premiums. Premium generated by an
     amendment made to a policy after that policy's original effective date,
     which: a) extends coverage to employees of affiliated or subsidiary
     companies or groups not previously insured by the Company; b) covers
     classes of employees or members not insured by the Company on such
     effective date; c) increases or modifies the insurance provided by the
     schedule of insurance in the policy then in effect; or d) adds any
     insurance coverage not included on the effective date, as determined by the
     Company at the time of change.

6.   New Net Annualized IIP Premium. The Sum of the first year modal IIP
     Commissionable Premiums multiplied by the number of modals in the policy
     year less any unearned premium due to terminations during the Production
     Year.

7.   Group Policy. The master policy contract with the employer, association or
     board of trustees as the case may be and not the individual certificates
     issued thereunder to the employees or members, as the case may be.

8.   Policy or participation year. Any period of twelve (12) consecutive months
     terminating on an anniversary of the effective date of the policy.

9.   Production Year. A twelve-month period of time between January 1 and
     December 31 inclusive.

                                       20

<PAGE>

--------------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------------

In accordance with the Compensation section Your Contract/Agreement (hereinafter
referred to as Contract), this schedule is hereby adopted as part of that
contract and replaces all prior incentive compensation schedules and contract
amendments for business written on or after the effective date of this schedule.
This schedule applies only to policies as so defined and classified by the
Company which the Broker has been authorized to represent pursuant to the
Contract.

--------------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------------

The following products are eligible: Individual Income Protection (including
Indexing, AIB's, GCI's, FIO's, Updates and Step Rates), Individual Long Term
Care and Individual Life.

     .    Multi-life/large case premium discount Individual Income Protection
          policies are excluded from the New Sales Incentive payment but will be
          included for calculating eligibility for incentive qualification
          level.

     .    ILTC Pennsylvania policies are excluded from the New Sales Incentive
          program.

     .    Indexing, FIOs and Step Rate premiums exercised on Unum policies with
          an original policy application date prior to 1/1/2000 are excluded
          from the New Sales Incentive program

     -----------------------------------------------------------
     Illegible
     -----------------------------------------------------------
      $ 1,000                                  Minimum Threshold
     -----------------------------------------------------------
      $ 7,500                                         I
     -----------------------------------------------------------
      $15,000                                        II
     -----------------------------------------------------------
      $30,000                                        III
     -----------------------------------------------------------
      $50,000                                        IV
     -----------------------------------------------------------

The Individual Products New Sales Incentive is calculated and paid quarterly
based upon Your cumulative net paid annualized individual new premium. Each
quarterly incentive payment represents the difference in the year-to-date
incentive calculation less any previous incentive payments made year-to-date.
The calculation of the incentive will be determined by the Company in accordance
with its then current rules and practices.

                                       21

<PAGE>

--------------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------------

     Each new sale of the following Group products will earn one new coverage
     credit:

     ---------------------------------------------------------------------------
     Long Term Disability                 Flex Long Term Disability
     ---------------------------------------------------------------------------
     Short Term Disability                Flex Short Term Disability
     ---------------------------------------------------------------------------
     Life                                 Flex Life
     ---------------------------------------------------------------------------
     Accidental Death & Dismemberment     Flex Accidental Death & Dismemberment
     ---------------------------------------------------------------------------
     Long Term Care                       Lifestyle LTD
     ---------------------------------------------------------------------------
     Special Risk                         Lifestyle Life
     ---------------------------------------------------------------------------
     Group Universal Life                 Lifestyle AD&D
     ---------------------------------------------------------------------------
                                          Lifestyle Long Term Care
     ---------------------------------------------------------------------------
     Note: All mini-plans are excluded.

                          Qualification is as follows:

     -----------------------------------------------------
     Illegible
     -----------------------------------------------------
        3          Or     $   50,000     Minimum Threshold
     -----------------------------------------------------
        5          Or     $  150,000             I
     -----------------------------------------------------
       15          Or     $  500,000            II
     -----------------------------------------------------
       25          Or     $  750,000           III
     -----------------------------------------------------
       35          Or     $1,500,000            IV
     -----------------------------------------------------

The Group Products New Sales Incentive is calculated and paid quarterly based
upon Your cumulative new coverage credits or Your Submitted Group Net Annualized
New Premium. Each quarterly bonus payment represents the difference in the
year-to-date bonus calculation less any previous bonus payments made
year-to-date. The calculation of the bonus will be determined by the Company in
accordance with its then current rules and practices.

                                       22

<PAGE>

--------------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------------

The following Voluntary Benefits products are eligible:
--------------------------------------------------------------------------------
PS Enhancer Disability (A)                    PS2000 Excess Interest Whole Life
--------------------------------------------------------------------------------
PS Enhancer Disability (B)                    Voluntary Income Recovery:
-------------------------------------------
Fortune Universal Life                           Accident
-------------------------------------------
Cancer Assistance                                Disability
--------------------------------------------------------------------------------
PS1000 Universal Life
--------------------------------------------------------------------------------

                          Qualification is as follows:

--------------------------------------------------------------------------------
Illegible                                                Illegible
--------------------------------------------------------------------------------
$ 15,000                                             Minimum Threshold
--------------------------------------------------------------------------------
$ 50,000                                                      I
--------------------------------------------------------------------------------
$100,000                                                     II
--------------------------------------------------------------------------------
$150,000                                                    III
--------------------------------------------------------------------------------
$250,000                                                     IV
--------------------------------------------------------------------------------

The Voluntary Benefits Products New Sales Incentive is calculated and paid
quarterly based upon Your Net Paid Annualized Voluntary Benefits New Premium.
Each quarterly bonus payment represents the difference in the year-to-date bonus
calculation less any previous bonus payments made year-to-date. The calculation
of the bonus will be determined by the Company in accordance with its then
current rules and practices.

                                       23

<PAGE>

--------------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------------

The Cross Sell Reward, for the New Sales Incentives, is an adjustment factor
which is calculated quarterly based upon one of the above-described options.
Achieving a cross sell reward results in Your current basic qualification level
being adjusted upward by one (1) level. The calculation of the adjustment, and
resulting incentive, will be determined by the Company in accordance with its
then current rules and practices.

--------------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------------

       INDIVIDUAL PRODUCTS: Payment is a percentage of Net Paid Annualized
                             Individual New Premium

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------
         Porducts                Level I   Level II   Level III   Level IV   Level V
------------------------------------------------------------------------------------
<S>                                <C>        <C>       <C>         <C>        <C>
Individual Income Protection *       5%        10%        15%         20%      22%
------------------------------------------------------------------------------------
Individual Life *                    5%       7.5%      12.5%       17.5%      20%
------------------------------------------------------------------------------------
Individual Long Term Care          2.5%         5%        10%         15%      15%
------------------------------------------------------------------------------------
</TABLE>

* Secure-Pak Plus and Executive Life Carve-Out have a separate payment structure
as follows:

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------
         Products                Level I   Level II   Level III   Level IV   Level V
------------------------------------------------------------------------------------
<S>                                <C>        <C>         <C>       <C>         <C>
..  Secure-Pak Plus                 1%         2%          3%        4.5%        5%

..  Executive Life Carve-Out        1%         2%          3%        4.5%        5%
------------------------------------------------------------------------------------
</TABLE>

                                       24

<PAGE>

       GROUP PRODUCTS: Payment is a percentage of standard annualized base
                                  commissions

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------
         Porducts                Level I   Level II   Level III   Level IV   Level V
------------------------------------------------------------------------------------
<S>                                <C>       <C>         <C>        <C>        <C>
ALL Eligible Products              10%       20%         40%        50%        55%
------------------------------------------------------------------------------------
</TABLE>

   VOLUNTARY BENEFITS PRODUCTS: Payment is a percentage of Net Paid Annualized
                             Individual New Premium

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------
         Porducts                Level I   Level II   Level III   Level IV   Level V
------------------------------------------------------------------------------------
<S>                                <C>        <C>        <C>        <C>        <C>
ALL Eligible Products              1%         2%         3%         4.5%       5%
------------------------------------------------------------------------------------
</TABLE>

--------------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------------

     INDIVIDUAL PRODUCTS (Payment is equal to the qualification percentage
     -------------------
 multiplied by Individual Products collected renewal premium during the current
                                Production Year.)

Minimum Eligibility: $150,000 of in force Individual Products premium as of the
end of the prior Production Year and a minimum of Net Paid Annualized Individual
New Premium during the current Production Year.

Eligible Products: All Individual Income Protection Products, Individual Long
Term Care and Provident/Paul Revere Individual Life.

--------------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------------
                      At least $150,000   At least $400,000   At least $800,000
--------------------------------------------------------------------------------
$ 25,000                        1%               1.5%                 2%
--------------------------------------------------------------------------------
$ 50,000                      1.5%                 2%                 3%
--------------------------------------------------------------------------------
$100,000                        2%                 3%                 4%
--------------------------------------------------------------------------------

                                       25

<PAGE>

 GROUP PRODUCTS (Payment is equal to the qualification percentage multiplied by
 --------------
  Group Products Earned Renewal Commissions paid during the current Production
                                     Year.)

Minimum Eligibility: $150,000 of in force Group Products premium as of the end
of the prior Production Year and a minimum of Submitted Group Net Annualized New
Premium during the current Production Year.

Eligible Products: LTD, STD, Life, AD&D, Group Universal Life, Special Risk,
GLTC, Flex LTD, Flex STD, Flex Life, Flex AD&D, Lifestyle LTD, Lifestyle Life,
Lifestyle AD&D, Lifestyle GLTC.

The following are excluded from the Group Products In Force Incentive:
..    Mini-plans

..    UnumAmerica/Commercial Life Group Association Business

..    Voluntary Benefits products

--------------------------------------------------------------------------------
Illegible
--------------------------------------------------------------------------------
                      At least 90%       At least 94%       At least 98%
--------------------------------------------------------------------------------
$ 50,000                   5%                 7%                 10%
--------------------------------------------------------------------------------
$100,000                   7%                10%                 15%
--------------------------------------------------------------------------------
$200,000                   8%                13%                 18%
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
CENTRAL PROVISIONS
--------------------------------------------------------------------------------

1.   Payments. Incentive compensation on temporary flat extra premiums, waived
     premium, forgiven premium, discontinued/suspended premiums, internal
     rollovers, and/or automatic premium loans, policy or administrative fees,
     or on the amount of permanent table-rated or percentage-rated premiums will
     be payable only as provided in the Company's then current rules and
     practices.

2.   Applicable Schedule. Application of compensation schedules is subject to
     the Company's administrative procedures that determine which incentive
     compensation schedule is applicable to Your contract.

3.   Changes. The Company reserves the right to change, modify, alter, or revise
     any incentive level or threshold requirement in the incentive compensation
     schedules for any future qualification period. Notice of such change will
     be given to producers who have qualified for any such incentive payment in
     the previous qualification period and to new qualifiers at the time of
     incentive payment.

4.   Products. The Company reserves the right to withdraw products or product
     lines from any and all jurisdictions at any time. The Company may introduce
     new products from time to time and incentive payments on such products will
     be established, at the time of product introduction, that may differ from
     rates published in this schedule.

                                       26

<PAGE>

5.   Policies with issue ages 65 and above. For policies with issue ages 65 and
     above, incentive payments will be determined by the Company in accordance
     with its then current rules and practices.

6.   Separate Schedule. Notwithstanding anything in this schedule to the
     contrary, premiums received for Individual and Voluntary Benefits life
     insurance products issued by the Company on applications written by You or
     in Your name in the state of New York shall not count toward the new sales
     incentives or inforce incentives.

7.   Individual Long Term Care policies issued in Delaware, Indiana, Michigan,
     Pennsylvania and Wisconsin. For ILTC policies issued in the states
     mentioned above, they will be included toward the in force incentive
     qualification; however, they will not count toward payment.

--------------------------------------------------------------------------------
DEFINITIONS of terms used herein
--------------------------------------------------------------------------------

1.   Annualized Terminated Premium. The aggregate annualized premium lost from
     Beginning Annualized In Force Premium during the Production Year due to
     termination, cancellation, or other discontinuance of insurance.

2.   Beginning Annualized In Force Premium. The aggregate annualized in force
     premium from Eligible Products that are effective prior to the beginning of
     the Production Year and in force at the beginning of the Production Year
     and on which the Broker is the designated Broker-of-Record.

3.   Collected Renewal Premium. Premium received from the policyholder in policy
     years two plus and recorded as paid by the Company.

4.   Earned Renewal Commissions. Commissions earned from premiums received from
     the policyholder in policy years two plus and recorded as paid by the
     Company.

5.   Net Paid Annualized New Premium. The product of the first year modal
     Commissionable Premiums, from products sold, multiplied by the number of
     modals in the policy year less any unearned premium due to first policy
     year terminations during the production year.

6.   Premium Persistency. A fraction, the numerator of which is the difference
     between Your Beginning Annualized In Force Premium and Your Annualized
     Terminated Premium. The denominator is the equal to the Beginning
     Annualized In Force Premium. The fraction results in a percentage which
     will be rounded to the nearest tenth of a percent.

7.   Production Year. A twelve-month period of time between January 1 and
     December 31.

8.   Submitted Premium. Premium associated with an application for insurance
     placed by You with The Company for which no premium has yet been paid.

                                       27

<PAGE>

                                 [LOGO] Unum(R)
                                   ----------
                       Protecting everything you work for

October 30, 2000

Mr. Joey L. Martinelli
Assistant to General Counsel
USI Insurance Services Corporation
50 California St., 24th Floor
San Francisco, CA 94111-4796

Re: Consulting Engagement letter

Dear Joey:

Please find enclosed an original copy of the signed Amendment To Marketing
Contract for your files.

If you have any questions, please do not hesitate in calling me at (423)
642-4434. Thank you.

Sincerely,

/s/ Tony E. Pepper
-------------------
Tony E. Pepper
Account Manager

TEP/hs

Enclosure

                           Unum Provident Corporation
                 1 Fountain Square, Chattanooga, Tennessee 37402
                                  423.755.1011
            Unum is the marketing brand of UnumProvident Corporation

<PAGE>

                         Amendment To Marketing Contract

     Whereas, Unum Life Insurance Company of America and its affiliates ("Unum")
and USI Insurance Services Corp. ("USI") entered into a Marketing Contract dated
January 1, 2000;

     Whereas, Unum and USI desire to amend the Marketing Contract;

     Now, therefore, in consideration of mutual covenants, agreement and
promises hereafter contained, Unum and USI agree as follows:

     1)   This Amendment is effective January 1, 2000 as to the CISCO System,
          Inc. group term life case, policy numbers 25713 and 25714 and
          effective September 1, 2000 as to the Triad Hospitals, Inc. long-term
          disability case, policy number 25479. This Amendment applies only to
          the above-referenced cases and policies.

     2)   A 4% flat marketing service fee will be paid to USI on the CISCO
          System, Inc. group term life case, policy numbers 25713 and 25714 and
          the Triad Hospitals, Inc. long-term disability case, policy number
          25479 as of the effective dates noted above. No other compensation
          will be paid to USI other than the 4% marketing service fee, and the
          4% marketing service fee will only be paid to USI under the following
          conditions:

          a)   CISCO System, Inc. and Triad Hospitals, Inc. remain Unum cases;
               and

          b)   Strategic Benefit Planning of Houston, Texas remains the broker
               of record on both cases; and

          c)   If there is a rate change up to and including the renewal date of
               January 1, 2003 for CISCO System, Inc. and a renewal date of May
               12, 2001 for Triad Hospitals, Inc., Unum reserves the right to
               renegotiate the marketing service fee.

     3)   Unless expressly modified by this Amendment, all terms and conditions
          in the Marketing Contract shall remain in effect.

     In Witness Whereof, Unum and USI have caused this Amendment to be signed by
their duly authorized officers.

Unum Life Insurance Company
of America and its affiliates                       USI Insurance Services Corp.

By: /s/ Roger D. Wall                               By: /s/ David L. Eslick
    -------------------------------                     ------------------------
Name: Roger D. Wall                                 Name: David L. Eslick
Title: V.P. National Marketing Org.                 Title: President & COO
Date: 10/30/00                                      Date: 10/18/00

<PAGE>

                         Amendment To Marketing Contract
                                 By and Between
                     Unum Life Insurance Company of America
                         and its affiliates ("Unum") and
                      USI Insurance Services Corp.,("USI")

     The Marketing Contract executed by and between Unum and USI effective
January 1, 2000 ("Contract") is hereby amended effective January 1, 2001 as
follows:

     The attached Net Allowance Schedule for USI replaces any schedules attached
to the Contract.

     Except as provided herein, the Contract shall be unchanged and remain in
full force and effect.

     In Witness Whereof, the parties hereto have set their hands and seals.

Unum Life Insurance Company
Of America and its affiliates                   USI Insurance Services, Corp.

By: /s/ Illegible                               By: /s/ DAVE ESLICK
    -------------------------                       ----------------------------
Name:  Illegible                                 Name:  DAVE ESLICK
Title: Illegible                                 Title: PRESIDENT & COO
Date:  Illegible                                 Date:  6/26/01

<PAGE>

                                    EXHIBIT A

                             NET ALLOWANCE SCHEDULE

                                       FOR

                          USI INSURANCE SERVICES CORP.

                      INDIVIDUAL DISABILITY INCOME PRODUCTS
                      -------------------------------------

Marketing Service Fees:
-----------------------

An Individual Disability Income Marketing Service Fee will be paid based on
total paid first-year IDI comissionable premium sold by USI Insurance Services
Corp. and accepted by UNUM Life Insurance Company of America and its affiliates
herein referred to as the "Company" according to the following schedule:

-------------------------------------------------------
Total Paid First-Year IDI                      Renewals
  Commissionable Premium    First Year Rate   Year 2-10
-------------------------------------------------------
    First $1,000,000             10.0%           2.0%
-------------------------------------------------------
    Next  $1,000,000             13.0%           2.0%
-------------------------------------------------------
    Next  $1,000,000             17.0%           2.0%
-------------------------------------------------------
    Next  $1,000,000             19.0%           2.0%
-------------------------------------------------------
    Over  $4,000,000             21.0%           2.0%
-------------------------------------------------------

..    When the total paid first-year IDI commissionable premium equals any of the
     listed thresholds, the higher first-year IDI Marketing Service Fee will be
     paid on the incremental paid first-year IDI commissionable premium.

..    Production related to Accident Income Recovery (Policy Form 475) and
     Essential Disability Protection (EDP) will apply in calculating the total
     paid first-year IDI commissionable premium; however, IDI Marketing Services
     Fees will not be paid on these products.

..    Amounts paid to producers associated with USI Insurance Services Corp.
     under the Premier Bonus program (or any successor or replacement program)
     will be deducted from Marketing Service Fees otherwise payable to USI
     Insurance Services Corp.

1/29/2001

<PAGE>

                           EMPLOYEE BENEFITS PRODUCTS
                           --------------------------

Marketing Service Fees:
-----------------------

An Employee Benefits Marketing Service Fee will be paid based on total paid
first-year Employee Benefits commissionable premium sold by USI Insurance
Services Corp. and accepted by the Company according to the following schedule:

A.   Base Amount: A guaranteed payment amount of 1.0% of new annualized
     first-year Employee Benefits premium.

B.   Block Management Bonus: See the following schedule.

---------------------------------------------------------------------------
                                             New Sales*
---------------------------------------------------------------------------
Premium Persistency
   Requirement
 Beginning Inforce
     1/1/2001         $13,000,000   $15,000,000   $17,000,000   $19,000,000
 Year End Inforce          to            to            to           or
    12/31/2001        $14,999,999   $16,999,999   $18,999,999      more
---------------------------------------------------------------------------
   87% to 89.99%         0.0%            0.5%         1.5%          2.0%
---------------------------------------------------------------------------
   90% to 92.99%         1.0%            1.5%         2.0%         2.75%
---------------------------------------------------------------------------
   93% to 95.99%         1.5%            2.0%        2.75%         3.75%
---------------------------------------------------------------------------
   96% and above         2.0%           2.75%        3.75%          5.0%
---------------------------------------------------------------------------
*    New Sales thresholds will be adjusted annually based on sales goals
     established by the Company

..    Amounts paid to producers associated with USI Insurance Services Corp.
     under the Premier Bonus program (or any successor or replacement program)
     will be deducted from Marketing Service Fees otherwise payable to USI
     Insurance Services Corp.

..    A pro-rata refund must be made to the Company for any Marketing Service
     Fees on premiums refunded for any reason, at the same rate at which
     Marketing Service Fees were originally paid.

..    For purposes of this Schedule, Persistency is defined as a fraction, the
     denominator of which is "Beginning Inforce", as defined herein, and the
     numerator of which is "Year End Inforce", as defined herein. The resulting
     fraction shall be expressed as a percentage, rounded to the nearest
     hundredth of a percent.

     For the purposes of this Schedule, Beginning Inforce shall mean the
     aggregate annualized Product premium from cases that are in force on
     January 1 of the calendar production year, and on which a USI Insurance
     Services Corp. representative is the designated "Broker-of-Record", as
     defined herein.

<PAGE>

     For the purposes of this Schedule, Year End Inforce shall mean "Beginning
     Inforce" minus the aggregate annualized Product premium which is lost from
     Beginning Inforce during the calendar production year due to termination,
     cancellation, or other discontinuance of insurance, and excluding any new
     Product premium produced in such calendar production year.

     For the purposes of this Schedule, Broker-of-Record shall mean the broker
     designated by the policyholder or contract holder and recognized by the
     Company as entitled to receive commissions or service fees on a policy or
     contract to which this Schedule applies.

..    Marketing Service Fees will not be paid on Employee Benefits plans written
     on an ASO financing arrangement, Mini Plans or Broker-of-Record changes.

..    Marketing Service Fees will not be paid on Employee Benefit Reserve
     buyouts.

..    Employee Benefit cases which migrate between companies in the UNUM group
     will not count as new business for allowance/compensation purposes.

                           VOLUNTARY BENEFITS PRODUCTS
                           ---------------------------

Marketing Service Fees:
-----------------------

A first-year Voluntary Benefits Marketing Service Fee will be paid based on
total annualized first-year commissionable VB premium sold by USI Insurance
Services Corp. and accepted by the Company according to the following schedule:

----------------------------------------------
Total Annualized First-Year
 Commissionable VB Premium     First Year Rate
----------------------------------------------
     First $500,000                1.00%
----------------------------------------------
     Next  $400,000                2.75%
----------------------------------------------
     Next  $600,000                4.75%
----------------------------------------------
     Over  $1,500,000              6.75%
----------------------------------------------

..    When the total annualized first-year commissionable VB premium sold equals
     any of the listed thresholds, the higher first-year Voluntary Benefits
     Marketing Service Fee will be paid on incremental total annualized
     first-year commissionable VB premium.

..    Amounts paid to producers associated with USI Insurance Services Corp.
     under the Top Tier program (or any successor or replacement program) will
     be deducted from Marketing Service Fees otherwise payable to USI Insurance
     Services Corp.

..    The Company will be due a pro-rata refund of the first-year Marketing
     Service Fees on premiums refunded for any reason at the same rate at which
     the Marketing Service

<PAGE>

     Fees were originally paid.

                       INDIVIDUAL LONG TERM CARE PRODUCTS
                       ----------------------------------

Marketing Service Fees:
-----------------------

An Individual Long Term Care Marketing Service Fee will be paid based on total
paid first-year ILTC commissionable premium sold by USI Insurance Services Corp.
and accepted by the Company according to the following schedule:

---------------------------------------------------------
Total Paid First-Year ILTC                       Renewals
  Commissionable Premium      First Year Rate    Years 2+
---------------------------------------------------------
      First $250,000                2.0%           0.0%
---------------------------------------------------------
      Next  $250,000                4.0%           0.0%
---------------------------------------------------------
      Next  $250,000                6.0%           0.0%
---------------------------------------------------------
      Next  $250,000                8.0%           0.0%
---------------------------------------------------------
      Over  $1,000,000             10.0%           0.0%
---------------------------------------------------------

..    When the total paid first-year ILTC commissionable premium equals any of
     the listed thresholds, the higher first-year ILTC Marketing Service Fee
     will be paid on the incremental paid first-year ILTC commissionable
     premium.

..    For purposes of computing the Marketing Service Fee payable on ILTC
     premiums paid on policies with an Accelerated Premium Option rider, only
     sixty percent(60%) of such premiums shall count as paid premium.

..    Amounts paid to producers associated with USI Insurance Services Corp.
     under the Prestige Bonus program (or any successor or replacement program)
     will be deducted from Marketing Service Fees otherwise payable to USI
     Insurance Services Corp.

                               GENERAL PROVISIONS

l.   Marketing Service Fees on temporary flat extra premiums, waived premiums,
     forgiven premium, discontinued/suspended premiums, internal rollovers,
     policy or administrative fees, or on the amount of permanent table-rated or
     percentage-rated premiums will be payable only as provided in the Company's
     then current rules and practices.

2.   Unless provided otherwise, Marketing Service Fees payable on supplementary
     benefits will be at the same rates and subject to the same provisions as
     the policies to which they are attached.

<PAGE>

3.   On any policy eligible for discount(s), Marketing Service Fees payable
     shall be based on the actual premiums paid.

4.   If this Contract is terminated, the applicable first year and renewal
     Marketing Service Fees which are otherwise payable on premiums received by
     the Company shall be continued only through the tenth policy year.

5.   The unearned portion of any Marketing Service Fees paid to USI Insurance
     Services Corp. under a policy that has been terminated prior to the first
     policy anniversary date will be charged back to USI Insurance Services
     Corp. as an indebtedness to the Company.

6.   Marketing Service Fees payable on policy changes, made-over policies, or
     policies being replaced by a new policy will be determined by the Company
     in accordance with its then current rules and practices.

7.   The Company reserves the right to withdraw products or product lines from
     any and all jurisdictions at any time. The Company may introduce new
     products from time to time. Compensation rates on such products will be
     established at the time of product introduction. Such rates may differ from
     rates published in this schedule.

8.   For policies with issue ages 65 and above, Marketing Service Fees will be
     determined by the Company in accordance with its then current rules and
     practices.

9.   Compensation rates may vary in some states due to regulatory requirements.
     Premiums received on policies issued in such states shall earn compensation
     as set forth in separate schedules.

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