Document:

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                                                                   EXHIBIT 10-2

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                         REGISTRATION RIGHTS AGREEMENT
                                 BY AND BETWEEN
                             BRIT HOLDINGS LIMITED
                                      AND
                                 EBIX.COM, INC.

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                                          , 2001

                                     B-2-1
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    THIS REGISTRATION RIGHTS AGREEMENT dated as of the   day of       , 2001
(the "Agreement"), is made and entered into by and between BRiT Insurance
Holdings plc, a company organized under the laws of England and Wales with
registered number 3121594, whose registered office is at 55 Bishopsgate, London
EC2N 3AS, United Kingdom ("BRiT"), and ebix.com, Inc., a company incorporated in
Delaware and having its principal office at 1900 East Golf Road, Schaumburg,
Illinois, United States ("ebix"). Capitalized terms not otherwise defined herein
have the meanings ascribed to them in Section 1.1.

    WHEREAS, ebix and BRiT have entered into the Share Exchange and Purchase
Agreement dated March 30, 2001 (the "SHARE EXCHANGE AND PURCHASE AGREEMENT")
pursuant to which ebix shall issue and sell to BRiT up to 6,944,000 shares of
the common stock, par value $0.10 per share, of ebix;

    WHEREAS, the closing of the transactions contemplated by the Share Exchange
and Purchase Agreement is subject to certain conditions, including, pursuant to
Article 7 thereof, the condition that ebix and BRiT enter into this Agreement;

    WHEREAS, the parties hereto wish to enter into this Agreement as set forth
herein with respect to the registration of shares of capital stock of ebix under
the United States Securities Act of 1933, as amended.

    NOW THEREFORE, in consideration of the mutual covenants and agreements set
forth in this Agreement, and for other good and valuable consideration, the
receipt of which and sufficiency of which are hereby acknowledged, the parties
hereto agree as follows:

1.  DEFINITIONS.

1.1 In this Agreement where the context so admits the following words and
    expressions shall have the following meanings:

    (a) "CUTBACK REGISTRATION" means any registration to be effected as an
       underwritten offering in which the underwriter or representative of the
       underwriters with respect thereto advises ebix and BRiT in writing that,
       in its opinion, the number of securities requested to be included in such
       registration (including securities of ebix that are not Registrable
       Securities) exceeds the number that can be sold in such offering without
       a material reduction in the selling price anticipated to be received for
       the securities to be sold in such offering;

    (b) "BRiT" has the meaning set forth in the Recitals;

    (c) "ebix" has the meaning set forth in the Recitals;

    (d) "ebix COMMON STOCK" means ebix's common stock, par value $0.10 per
       share;

    (e) "EXCHANGE ACT" shall mean the United States Securities Exchange Act of
       1934, as amended, and the rules and regulations of the SEC issued under
       such Act, as they each may be in effect from time to time;

    (f) "EXISTING REGISTRATION RIGHTS HOLDERS" means persons and entities who,
       pursuant to the agreements or instruments identified on Exhibit A hereto,
       have rights to (i) require ebix to include ebix securities held by them
       in registration statements filed with the SEC, (ii) require ebix to
       file a registration statement with the SEC that, absent such requirement,
       ebix did not contemplate filing or (iii) cause ebix to register or
       qualify any ebix securities held by such person or entity under the
       Securities Act or any securities or blue sky laws of any jurisdiction.

    (g) "FORM S-3" means such form under the Securities Act as in effect on the
       date hereof or any registration form under the Securities Act
       subsequently adopted by the SEC which permits inclusion or incorporation
       of substantial information by reference to other documents filed by ebix
       with the SEC;

                                     B-2-2
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    (h) "INSPECTORS" has the meaning set forth in Section 4.1;

    (i) "LEAD UNDERWRITER" has the meaning set forth in Section 2.2;

    (j) "NOTICE OF PIGGYBACK REGISTRATION" has the meaning set forth in
       Section 3.1;

    (k) "PARTIES" means named parties to this Agreement, and "PARTY" means
       either of them;

    (l) "PIGGYBACK REGISTRATION" means any registration of securities of ebix of
       the same class as the Registrable Securities under the Securities Act in
       contemplation of an underwritten offering (other than a registration in
       respect of a dividend reinvestment or similar plan for stockholders, in
       respect of employee stock options or other employee benefit plans or in
       respect of any merger, consolidation, acquisition or like combination,
       whether on Form S-1, Form S-3, Form S-4, Form S-8 or any equivalent form
       of registration then in effect (collectively "NON-FINANCING REGISTRATION
       STATEMENTS"), whether for sale for the account of ebix or for the account
       of any holder of securities of ebix (other than Registrable Securities);

    (l) "RECORDS" has the meaning set forth in Section 4.1;

    (m) "REGISTER", "REGISTERED" and "REGISTRATION" refer to a registration
       effected by preparing and filing a registration statement or similar
       document in compliance with the Securities Act and otherwise in
       accordance with Article 2 of this Agreement and the declaration or
       ordering of effectiveness of such registration statement or document;

    (n) "REGISTRABLE SECURITIES" means any ebix Common Stock issued to BRiT in
       accordance with the Share Exchange and Purchase Agreement, and any ebix
       Common Stock issued in respect of any of the foregoing (because of share
       splits, stock dividends, reclassifications, recapitalizations, or similar
       events), PROVIDED, HOWEVER, that ebix Common Stock that constitutes
       Registrable Securities shall cease to be Registrable Securities (A) upon
       any sale or transfer in any manner to a person or entity that is not an
       "affiliate" (as defined under Rule 144) or (B) where the registration
       rights with respect to such securities have been terminated pursuant to
       Article 10 of this Agreement;

    (o) "REGISTRATION EXPENSES" means all expenses incident to ebix's
       performance of, or compliance with, its obligations under this Agreement
       to effect the registration of Registrable Securities in accordance with
       Article 2 or Article 3 of this Agreement, including, without limitation,
       all registration, filing, securities exchange listing and NASD fees, all
       registration, filing qualification and other fees and expenses of
       complying with securities or blue sky laws, all word processing,
       duplicating and printing expenses, messenger and delivery expenses, the
       fees and disbursements of counsel for ebix and of its independent public
       accountants, including the expenses of any special audits or "comfort"
       letters required by or incident to such performance and compliance,
       customarily paid by issuers or seller of securities, but excluding
       underwriting discounts and commissions and transfer taxes, if any, in
       respect of Registrable Securities, which shall be payable by each holder
       thereof and excluding fees of any counsel or other advisors to such
       holders which shall be paid by such holders (all such expenses referred
       to as "SELLING EXPENSES"), PROVIDED THAT, in any case where Registration
       Expenses are not to be borne by ebix, such expenses shall not include
       salaries of ebix personnel or general overhead expenses of ebix, auditing
       fees or other expenses for the preparation of financial statements or
       other data normally prepared by ebix in the ordinary course of its
       business or which ebix would have incurred in any event;

    (p) "RULE 144" means Rule 144 promulgated by the SEC under the Securities
       Act and any successor provision thereto;

    (q) "SEC" means the United States Securities and Exchange Commission;

                                     B-2-3
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    (r) "SECURITIES ACT" means the United States Securities Act of 1933, as
       amended, and the rules and regulations of the SEC issued under such Act,
       as they each may be in effect from time to time;

    (s) "SHARE EXCHANGE AND PURCHASE AGREEMENT" has the meaning set forth in the
       Recitals;

    (t) "SHELF REGISTRATION STATEMENT" has the meaning set forth in
       Section 2.1; and

    (u) "VIOLATION" has the meaning set forth in Section 7.1.

1.2 Unless the context of this Agreement otherwise requires, (a) words of any
    gender include each other gender; (b) words using the singular or plural
    number also include the plural or singular number, respectively; (c) the
    terms "hereof", "herein", "hereby" and derivative or similar words refer to
    this entire Agreement and (d) the terms "Article" or "Section" refer to the
    specified Article or Section of this Agreement

2   REGISTRATION

2.1 DUTY TO REGISTER. On or before July 2, 2001, ebix shall file for the benefit
    of BRiT, subject to 2.3 below, a registration statement on Form S-3, or such
    other registration statement form on which ebix is then eligible to register
    its securities with the SEC if it is not eligible to file a registration
    statement on Form S-3, with respect to the offer and sale of the Registrable
    Securities on a continuous or delayed basis (the "SHELF REGISTRATION
    STATEMENT"). Ebix shall use its best efforts to file the Shelf Registration
    Statement and effect as soon as practicable the registration under the
    Securities Act of all Registrable Securities to the extent requisite to
    permit the disposition (in accordance with the intended methods thereof) of
    the Registrable Securities. Subject to 2.3 below, the Shelf Registration
    Statement shall at all times remain exclusively in favor of BRiT; PROVIDED,
    HOWEVER, that if BRiT intends to conduct an Underwritten Shelf Offering (as
    defined below) the Existing Registration Rights Holders, to the extent of
    their respective rights to include securities in a registration or
    participate in an underwritten offering, shall be entitled to elect to
    include securities, subject to Section 2.5, of the same class as the
    Registrable Securities in a registration covered by the Shelf Registration
    Statement; FURTHER PROVIDED, that upon such election by any of the Existing
    Registration Rights Holders, the appropriate portions of the Shelf
    Registration Statement in such Underwritten Shelf Offering shall be amended
    to accurately reflect such Existing Registration Rights Holders'
    participation in an Underwritten Shelf Offering. It is understood that,
    except in the event of an Underwritten Shelf Offering, if and to the extent
    the Existing Registration Rights Holders wish to have ebix securities
    registered pursuant to a shelf registration statement, a separate shelf
    registration statement would be required absent written consent from BRiT or
    otherwise in accordance with Section 2.3.

2.2 UNDERWRITTEN OFFERING. If BRiT intends to distribute the Registrable
    Securities covered by the Shelf Registration Statement by means of an
    underwritten offering (an "UNDERWRITTEN SHELF OFFERING"), BRiT shall so
    advise ebix by written notice. The lead underwriter (the "LEAD UNDERWRITER")
    will be selected by BRiT and will be reasonably acceptable to ebix. In such
    event, BRiT shall (together with ebix as provided in subsection 4.1(f))
    enter into an underwriting agreement in customary form with the underwriter
    or underwriters selected for such underwriting. Ebix shall assist BRiT in
    marketing the Registrable Securities to be sold pursuant to such
    underwritten offering, including by participating in "road shows" and
    similar marketing efforts as reasonably requested by BRiT or the
    underwriters, subject in all events to the reasonable availability of ebix's
    officers and other personnel.

2.3 INCLUSION OF OTHER SECURITIES. Subject to the rights of the Existing
    Registration Rights Holders to include securities in a registration or to
    participate in an Underwritten Shelf Offering as described above, neither
    ebix nor any of its securityholders shall have the right to include any of
    ebix's

                                     B-2-4
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    securities in the Shelf Registration Statement unless (a) BRiT has elected
    to distribute the Registrable Securities covered by the Shelf Registration
    Statement in an underwritten offering, (b) such securities are of the same
    class as the Registrable Securities, (c) BRiT consents to such inclusion in
    writing (such consent not to be withheld unreasonably) and (d) ebix or such
    securityholders, as the case may be, agree in writing to sell, subject to
    Section 2.5, their securities on the same terms and conditions as apply to
    the Registrable Securities being sold. Subject to the rights of the Existing
    Registration Rights Holders to include securities in a registration, if
    securityholders of ebix other than BRiT include their securities in the
    Shelf Registration Statement only in accordance with this Section 2.3, such
    securityholders shall pay the fees and expenses of their counsel and their
    PRO RATA share, on the basis of the respective amounts of securities
    included in such registration on behalf of each such holder, of the
    Registration Expenses if the Registration Expenses for such registration are
    not paid by ebix for any reason.

2.4 EXPENSES. ebix shall pay all Registration Expenses incurred pursuant to this
    Article 2. The holders of Registrable Securities will pay all Selling
    Expenses in proportion to the amount of securities sold or as otherwise
    agreed to among such holders.

2.5 PRIORITY IN CUTBACK REGISTRATIONS. Subject to the rights of the Existing
    Registration Rights Holders to include securities in a registration, if a
    registration in respect of an underwritten offering initiated by BRiT
    pursuant to Section 2.2 above becomes a Cutback Registration, ebix shall
    include in any such registration to the extent of the number which the Lead
    Underwriter advises BRiT and ebix can be sold in such offering (a) FIRST,
    Registrable Securities requested to be included in such registration by BRiT
    and (b) SECOND, other securities of ebix proposed to be included in such
    registration, allocated among ebix or the holders thereof in accordance with
    the priorities then existing among ebix and the holders of such other
    securities.

3.  PIGGYBACK REGISTRATIONS

3.1 RIGHT TO INCLUDE REGISTRABLE SECURITIES. Notwithstanding anything to the
    contrary in Article 2, if ebix at anytime proposes after the date hereof to
    effect a Piggyback Registration, it will each such time give written notice
    (a "NOTICE OF PIGGYBACK REGISTRATION") at least 10 days prior to the
    anticipated filing date to BRiT of its intention to do so and of BRiT's
    rights under this Article 3, which Notice of Piggyback Registration shall
    include a description of the intended method of disposition of such
    securities. Upon written request of BRiT made within five days after receipt
    of Notice of Piggyback Registration (which request shall specify the
    Registrable Securities intended to be disposed of by BRiT and the intended
    method of disposition thereof), ebix shall use commercially reasonable
    efforts to include in the registration statement relating to such Piggyback
    Registration all Registrable Securities that ebix has been so requested to
    register. Notwithstanding the foregoing, if, at any time after the giving of
    a Notice of Piggyback Registration and prior to the effective date of the
    registration statement filed in connection with such registration, ebix
    shall determine for any reason not to register or to delay registration of
    such securities, ebix may, at its election, give written notice of such
    determination to BRiT and, thereupon:

    (a) in the case of a determination not to register, ebix shall be relieved
       of its obligation to register any Registrable Securities in connection
       with such registration (but not from its obligation to pay the
       Registration Expenses in connection therewith) without prejudice,
       however, to the rights of BRiT under Article 2; and

    (b) in the case of a determination to delay registering, ebix shall be
       permitted to delay registering any Registrable Securities for the same
       period as the delay in registering other securities.

    No registration effected under this Article 3 shall relieve ebix of its
    obligations to file a Shelf Registration Statement under Article 2.

                                     B-2-5
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3.2 EXPENSES. ebix shall pay all Registration Expenses incurred in connection
    with each Piggyback Registration. The holders of Registrable Securities will
    pay all Selling Expenses in proportion to the amount of securities sold or
    as otherwise agreed to among such holders.

3.3 PRIORITY IN CUTBACK REGISTRATIONS. Subject to the rights of the Existing
    Registration Rights Holders to include securities in a registration, if a
    Piggyback Registration becomes a Cutback Registration, ebix will include in
    such registration to the extent of the amount of securities that the
    underwriter or representative of the underwriters for the offering advises
    ebix can be sold in such offering:

    (a) if such registration as initially proposed by ebix was solely a primary
       registration of its securities, (i) FIRST, the securities proposed to be
       sold by ebix for its own account and (ii) SECOND, any Registrable
       Securities requested to be included in such registration by BRiT;

    (b) if such registration as initially proposed by ebix was in whole or in
       part requested by securityholders other than BRiT pursuant to outstanding
       demand registration rights, (i) FIRST, such securities held by the
       holders initiating such registration and, if applicable, any securities
       proposed by ebix to be sold for its own account, allocated in accordance
       with the priorities then existing among ebix and such holders and
       (ii) SECOND, any Registrable Securities requested to be included in such
       registration by BRiT.

4.  OBLIGATIONS OF ebix

4.1 REGISTRATION PROCEDURES. In furtherance of its obligations hereunder, ebix
    shall, as expeditiously as possible:

    (a) at least five days before filing the Shelf Registration Statement or any
       amendment thereto, ebix shall furnish to BRiT copies of drafts of all
       such documents proposed to be filed (including exhibits) and BRiT shall
       have the opportunity to object to any information pertaining solely to
       BRiT that is contained therein and ebix shall make the corrections
       reasonably requested by BRiT with respect to such information prior to
       filing any such registration statement;

    (b) prepare and file with the SEC such amendments and supplements to the
       Shelf Registration Statement and any prospectus used in connection
       therewith as may be necessary to (i) maintain the continuous
       effectiveness of the Shelf Registration Statement and (ii) comply with
       the provisions of the Securities Act with respect to the disposition of
       all Registrable Securities covered by such registration statement, in
       accordance with the intended methods of disposition thereof as set forth
       in such registration statement, until the earlier of (A) such time as all
       of the Registered Securities have been disposed by BRiT (or its
       successors or assigns) in accordance with this Agreement and (B) three
       years after such registration statement becomes effective;

    (c) promptly notify BRiT and the Lead Underwriter, if any:

        (i) when such Shelf Registration Statement or any prospectus used in
            connection therewith or any amendment or supplement thereto, has
            been filed and, with respect to such registration statement or any
            post-effective amendment thereto, when the same has become
            effective;

        (ii) of any written comments from the SEC with respect to any filing
             referred to in subsection 4.1(c)(i) or of any written request from
             the SEC for amendments or supplements to the Shelf Registration
             Statement or prospectus;

       (iii) of the notification to ebix by the SEC of its initiation of any
             proceedings with respect to the Shelf Registration Statement, or of
             the issuance by the SEC of any stop order suspending the
             effectiveness of such registration statement; and

                                     B-2-6
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        (iv) of the receipt by ebix of any notification with respect to the
             suspension of the qualification of any Registrable Securities for
             sale under the applicable securities or blue sky laws of any
             jurisdiction;

    (d) furnish to each seller of Registrable Securities covered by the Shelf
       Registration Statement such number of conformed copies of such
       registration statement and of each amendment and supplement thereto (in
       each case including all exhibits and documents incorporated by
       reference), the prospectus contained in such registration statement and
       any other prospectus filed under Rule 424 promulgated under the
       Securities Act relating to the Registrable Securities and such other
       documents as BRiT may reasonably request to facilitate the disposition of
       the Registrable Securities;

    (e) provide a transfer agent and registrar for all Registrable Securities
       and a CUSIP number for all Registrable Securities, in each case not later
       than the effective date of the related registration statement;

    (f) in the event of any underwritten public offering of Registrable
       Securities, enter into and perform its obligations under an underwriting
       agreement, in usual and customary form, with the underwriters of such
       offering and BRiT, which underwriting agreement shall include, among
       other provisions, indemnities to the effect and to the extent provided in
       Article 7 and shall further provide that ebix furnish to BRiT:

        (i) an opinion of counsel for ebix dated the date of any closing under
            the underwriting agreement, reasonably satisfactory in form and
            substance to BRiT; and

        (ii) an accountants' "comfort letter" dated the date of any closing
             under the underwriting agreement, reasonably satisfactory in form
             and substance to BRiT, signed by the independent public accountants
             that have certified ebix's financial statements included in the
             registration statement,

             in each case covering substantially the same matters with respect
             to the Shelf Registration Statement (and the prospectus included
             therein) and, in the case of the comfort letter, with respect to
             events subsequent to the date of such financial statements, as are
             customarily covered, respectively, in opinions of issuer's counsel
             and in accountants' letters delivered to the underwriters in
             underwritten offerings of securities and, in the case of the
             comfort letter, such other financial matters as BRiT or the Lead
             Underwriter, if any, may request;

    (g) notify BRiT when a prospectus relating thereto is required to be
       delivered under the Securities Act (or other applicable law or
       regulation) of the happening of any event as a result of which the
       prospectus included in such registration statement, as then in effect,
       includes an untrue statement of a material fact or omits to state a
       material fact required to be stated therein or necessary to make the
       statements therein not misleading in the light of the circumstances then
       existing;

    (h) otherwise use its best efforts to comply with all applicable rules and
       regulations of the SEC;

    (i) make available for inspection by BRiT, any underwriter participating in
       any disposition pursuant to such registration statement and any lawyer,
       accountant or other agent retained by BRiT or any such underwriter or
       agent (collectively, the "INSPECTORS") all financial and other records,
       pertinent documents and properties of ebix (collectively, the "RECORDS")
       as shall be reasonably necessary to enable them to exercise their due
       diligence responsibility and cause ebix's officers, directors and
       employees to supply all information reasonably requested by any such
       Inspector in connection with such registration statement; and

                                     B-2-7
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    (j) cause all such Registrable Securities registered pursuant to this
       Agreement to be listed on each securities exchange or nationally
       recognized quotation system on which similar securities issued by ebix
       are then listed.

    BRiT agrees by acquisition of such Registrable Securities that upon receipt
    of any notice from ebix of the happening of any event of the kind described
    in subsection 4.1(g), BRiT will forthwith discontinue its disposition of
    Registrable Securities pursuant to the Shelf Registration Statement until
    its receipt of the copies of a supplemented or amended prospectus correcting
    the untrue statements or omissions referred to in that subsection and, if so
    directed by ebix, will deliver to ebix (at ebix's expense) all copies, other
    than permanent file copies, then in its possession of the prospectus
    relating to such Registrable Securities current at the time of receipt of
    such notice.

5.  UNDERWRITTEN OFFERINGS

5.1 REPRESENTATIONS AND WARRANTIES. BRiT may, at its option, require that any or
    all of the representations and warranties by, and the other agreements on
    the part of, ebix to and for the benefit of the underwriters also be made to
    and for its benefit and that any or all of the conditions precedent to the
    obligations of such underwriters under such underwriting agreement also be
    conditions precedent to its obligations. BRiT shall not be required to make
    any representations or warranties to or agreements with ebix or the
    underwriter other than representations, warranties or agreements regarding
    BRiT, its ownership of the securities being registered on its behalf, its
    intended method of distribution and the accuracy of any information
    contained in registration statement concerning BRiT. Notwithstanding the
    first sentence of this Section 5.1, ebix shall not be required to make any
    representations, warranties or agreements with respect to matters with
    respect to which BRiT can be obligated pursuant to the preceding sentence.

6.  RESTRICTIONS

6.1 ADVERSE AFFECT

    (a) If, after the Shelf Registration Statement or another registration
       statement contemplating the offer or sale of the Registrable Securities
       has become effective, ebix advises BRiT in writing that ebix considers it
       necessary or appropriate for such registration statement to be amended or
       supplemented in order for sales thereunder to be made in compliance with
       the rules and regulations of the SEC, then BRiT shall suspend any further
       sale, transfer or other disposition of its Registrable Securities
       pursuant to such registration statement until ebix advises BRiT that such
       registration statement has been amended or supplemented and, as so
       amended or supplemented has been declared effective by the SEC.

    (b) ebix may delay filing any amendment or supplement to the Shelf
       Registration Statement, and may cause its effectiveness to be delayed, if
       ebix advises BRiT in such written notice that the filing of such
       amendment or supplement would (i) adversely affect the negotiation or
       completion of a material transaction by ebix contemplated at the time the
       right to delay is exercised or (ii) involve disclosure obligations not in
       the best interest of ebix, provided that ebix may delay filing any such
       amendment or supplement to the registration statement and may cause its
       effectiveness to be delayed for a period not exceeding 60 days from the
       date of such written notice to BRiT.

    (c) The Parties agree that ebix shall have no rights under Section 6.1(b)
       until January 1, 2002. In addition, the Parties agree that ebix shall not
       exercise its rights under Section 6.1(b) to the extent such delay would
       exceed an aggregate of 90 days in any calendar year.

                                     B-2-8
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6.2 HOLDBACK AGREEMENTS

    (a) Unless the managing underwriter of an underwritten offering by ebix
       otherwise agrees, each holder of Registrable Securities agrees, to the
       extent permitted by law, not to effect any public sale or distribution of
       such securities, or any securities convertible into or exchangeable or
       exercisable for such securities, during 15 days prior to and 90 days
       after the effective date of any registration statement filed by ebix in
       connection with such underwritten offering (or for such period of time as
       is sufficient and appropriate in the opinion of the managing underwriter)
       in order to complete the sale and distribution of the securities included
       in such registration, except as part of such registration statement,
       whether or not such holder participates in such registration.

    (b) Unless the Lead Underwriter otherwise agrees ebix agrees not to effect
       any public sale or distribution of its equity securities or any
       securities convertible into or exchangeable or exercisable for such
       securities during the 14 days prior to and the 90 days after the
       effective date of any amendment to the Shelf Registration Statement in
       connection with an underwritten offering made pursuant to the Shelf
       Registration Statement (or for such shorter period of time as is
       sufficient and appropriate in the opinion of the Lead Underwriter) except
       pursuant to Non-Financing Registration Statements.

    (c) The foregoing provisions of this Section 6.2 shall not apply to any
       holder of securities of ebix to the extent such holder is prohibited by
       applicable law from agreeing to withhold from sale or to the extent such
       holder as acting in its capacity as a fiduciary or an investment adviser.
       Without limiting the scope of the term "fiduciary", a holder shall be
       deemed to be acting as a fiduciary or an investment adviser if its
       actions or the shares proposed to be sold are subject to the United
       States Employee Retirement Income Security Act of 1974, as amended, the
       United States Investment Company Act 1940, as amended, or the United
       States Investment Advisers Act of 1940, as amended, or if such shares are
       held in a separate account under applicable law or regulation.

7.  INDEMNIFICATION

7.1 INDEMNIFICATION OBLIGATIONS. In the event any Registrable Securities are
    included in a registration statement under this Agreement:

    (a) ebix shall indemnify and hold harmless BRiT, any underwriter (as defined
       in the Securities Act) for BRiT and each person, if any, who controls
       BRiT or underwriter within the meaning of the Securities Act or the
       Exchange Act or other applicable law, against any losses, claims,
       damages, or liabilities (joint or several) to which they may become
       subject under the Securities Act, the Exchange Act or other applicable
       United States federal or state securities law), insofar as such losses,
       claims, damages, or liabilities (or actions in respect thereof) arise out
       of or are based upon any of the following statements, omissions or
       violations (collectively a "VIOLATION"): (i) any untrue statement or
       alleged untrue statement of a material fact contained in such
       registration statement, including any preliminary prospectus or final
       prospectus contained therein or any amendments or supplements thereto,
       (ii) the omission or alleged omission to state therein a material fact
       required to be stated therein, or necessary to make the statements
       therein (in the case of the prospectus, in the light of the circumstances
       under which they were made) not misleading, or (iii) any violation or
       alleged violation by ebix of the Securities Act, the Exchange Act (or
       other applicable securities law or United States federal or state
       securities regulation), any blue sky law or any rule or regulation
       promulgated under such laws, regulations or rules; and ebix will pay to
       BRiT and each such underwriter or controlling person, as incurred, any
       legal or other expenses reasonably incurred by them in connection with
       investigating or defending any such loss, claim, damage, liability, or
       action;

                                     B-2-9
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       PROVIDED, HOWEVER, that the indemnity agreement contained in this
       subsection 7.1(a) shall not apply to amounts paid in settlement of any
       such loss, claim, damage, liability, or action if such settlement is
       effected without the consent of ebix, nor shall ebix be liable in any
       such case for any such loss, claim, damage, liability, or action to the
       extent that it arises out of or is based upon a Violation that occurs in
       reliance upon and in conformity with written information furnished
       expressly for use in connection with such registration by BRiT or any
       such underwriter or controlling person.

    (b) BRiT shall indemnify and hold harmless ebix, each of its directors, each
       of its officers who has signed the registration statement, each person,
       if any, who controls ebix within the meaning of the Securities Act, any
       underwriter, any other holder selling securities in such registration
       statement and any controlling person of any such underwriter or other
       holder, against any losses, claims, damages, or liabilities (joint or
       several) to which any of the foregoing persons may become subject, under
       the Securities Act, the Exchange Act (or other applicable securities law
       or securities regulation) or other federal or state securities law,
       insofar as such losses, claims, damages, or liabilities (or actions in
       respect thereto) arise out of or are based upon any Violation, in each
       case to the extent (and only to the extent) that such Violation occurs in
       reliance upon and in conformity with written information furnished by
       BRiT expressly for use in connection with such registration; and BRiT
       will pay, as incurred, any legal or other expenses reasonably incurred by
       any person intended to be indemnified pursuant to this subsection 7(b),
       in connection with investigating or defending any such loss, claim,
       damage, liability, or action; PROVIDED, HOWEVER, that the indemnity
       agreement contained in this subsection 7(b) shall not apply to amounts
       paid in settlement of any such loss, claim, damage, liability or action
       if such settlement is effected without the consent of BRiT, which consent
       shall not be unreasonably withheld; PROVIDED, HOWEVER, that in no event
       shall any indemnity under this subsection 7(b) exceed the net proceeds
       from the offering received by BRiT.

    (c) Promptly after receipt by an indemnified party under this Article 7 of
       notice of the commencement of any action (including any governmental
       action), such indemnified party will, if a claim in respect thereof is to
       be made against any indemnifying party under this Article 7, deliver to
       the indemnifying party a written notice of the commencement thereof and
       the indemnifying party shall have the right to participate in, and, to
       the extent the indemnifying party so desires, jointly with any other
       indemnifying party similarly noticed, to assume the defense thereof with
       counsel mutually satisfactory to the parties; PROVIDED, HOWEVER, that an
       indemnified party (together with all other indemnified parties that may
       be represented without conflict by one counsel) shall have the right to
       retain one separate counsel, with the fees and expenses to be paid by the
       indemnifying party, if representation of such indemnified party by the
       counsel retained by the indemnifying party would be inappropriate due to
       actual or potential differing interests between such indemnified party
       and any other party represented by such counsel in such proceeding. The
       failure to deliver written notice to the indemnifying party within a
       reasonable time of the commencement of any such action, if materially
       prejudicial to its ability to defend such action, shall relieve such
       indemnifying party of any liability to the indemnified party under this
       Article 7, but the omission so to deliver written notice to the
       indemnifying party will not relieve it of any liability that it may have
       to any indemnified party otherwise than under this Article 7.

    (d) If the indemnification provided for in this Article 7 is held by a court
       of competent jurisdiction to be unavailable to an indemnified party with
       respect to any loss, liability, claim, damage, or expense referred to
       therein, then the indemnifying party, in lieu of indemnifying such
       indemnified party hereunder, shall contribute to the amount paid or
       payable by such indemnified party as a result of such loss, liability,
       claim, damage, or expense in such

                                     B-2-10
<PAGE>
       proportion as is appropriate to reflect the relative fault of the
       indemnifying party on the one hand and of the indemnified party on the
       other in connection with the statements or omissions that resulted in
       such loss, liability, claim, damage, or expense as well as any other
       relevant equitable considerations. The relative fault of the indemnifying
       party and of the indemnified party shall be determined by reference to,
       among other things, whether the untrue or alleged untrue statement of a
       material fact or the omission to state a material fact relates to
       information supplied by the indemnifying party or by the indemnified
       party and the parties' relative intent, knowledge, access to information,
       and opportunity to correct or prevent such statement or omission.

    (e) The obligations of ebix and BRiT under this Article 7 shall survive the
       completion of any offering of Registrable Securities in a registration
       statement under this Agreement, and otherwise.

    (f) Indemnification similar to that specified in this Article 7 shall be
       given by ebix and BRiT with respect to any required registration or other
       qualification of securities under any United States federal or state law
       or regulation of any governmental authority other than the Securities
       Act. The provisions of this Article 7 shall be in addition to any other
       rights to indemnification or contribution which an indemnified party may
       have pursuant to law, equity, contract or otherwise.

8.  REPORTS UNDER SECURITIES EXCHANGE ACT OF 1934

8.1 COVENANTS OF ebix. ebix hereby agrees:

    (a) to file with the SEC in a timely manner all reports and other documents
       required of ebix under the Securities Act and the Exchange Act;

    (b) to comply with all rules and regulations of the SEC applicable in
       connection with Rule 144 and take such other action and furnish BRiT with
       other information as BRiT may request in order to avail itself of such
       Rule or any other rule or regulation of the SEC allowing BRiT to sell any
       Registrable Securities without registration;

    (c) use its reasonable best efforts to take every action that is necessary
       to effect the Shelf Registration Statement on Form S-3.

    (d) furnish to BRiT, so long as BRiT owns any Registrable Securities such
       other information as may be reasonably requested in availing BRiT of any
       rule or regulation of the SEC that permits the selling of any such
       securities.

9.  LIMITATIONS ON SUBSEQUENT REGISTRATION RIGHTS

9.1 NO EXISTING AGREEMENTS. ebix represents and warrants to BRiT that there is
    not in effect on the date hereof any agreement by ebix other than this
    Agreement pursuant to which any holder of securities of ebix has a right to
    cause ebix to register or qualify securities under the Securities Act or any
    securities or blue sky laws of any jurisdiction, other than as is set forth
    in Exhibit A hereto.

9.2 FUTURE AGREEMENTS. From and after the date of this Agreement, ebix shall
    not, without the prior written consent of BRiT, enter into any agreement
    with any holder or prospective holder of any securities of ebix that would
    allow such holder or prospective holder (a) to include such securities in
    the Shelf Registration Statement, unless under the terms of such agreement,
    such holder or prospective holder may include such securities in any such
    registration only to the extent that the inclusion of his securities will
    not reduce the amount of the Registrable Securities of BRiT that is included
    or (b) to make a demand registration which could result in such registration
    statement being declared effective prior to January 1, 2002.

                                     B-2-11
<PAGE>
10. TERMINATION OF REGISTRATION RIGHTS

10.1 TERMINATION. All of ebix's obligations to register Registrable Securities
    under this Agreement shall terminate on the earlier of the third anniversary
    of the date the Shelf Registration Statement becomes effective or the date
    on which all Registrable Securities are sold or transferred to persons who
    are not "affiliates" of BRiT.

11. MERGERS

11.1 RESTRICTION ON MERGERS AND OTHER CORPORATE EVENTS. ebix shall not, directly
    or indirectly, enter into any merger, consolidation or reorganization in
    which ebix shall not be the surviving corporation unless the proposed
    surviving corporation shall, prior to such merger, consolidation or
    reorganization, agree in writing to assume the obligations of the company
    under this Agreement, and for that purpose references hereunder to
    Registrable Securities shall be deemed to be references to the securities
    which BRiT would be entitled to receive in exchange for Registrable
    Securities under any such merger, consolidation or reorganization; PROVIDED,
    HOWEVER, that the provisions of this Section 11.1 shall not apply in the
    event of any merger, consolidation or reorganization if BRiT is entitled to
    receive in exchange for its Registrable Securities consideration consisting
    solely of (a) cash, (b) securities of the acquiring corporation which may be
    immediately sold to the public without registration under the Securities Act
    or (c) securities of the acquiring corporation which the acquiring
    corporation has agreed to register within 90 days of completion of the
    transaction for resale to the public pursuant to the Securities Act.

12. MISCELLANEOUS

12.1 NOTICE. Any notice, demand or other communication given or made under this
    Agreement shall be in writing and delivered or sent to the relevant Party at
    its address or facsimile number set out below (or such other address or
    facsimile number as the addressee has by five days' prior written notice
    specified to the other Party):

<TABLE>
<CAPTION>

    <S>             <C>
    to BRiT:        BRiT Insurance Holdings plc
                    55 Bishopsgate
                    London EC2N 3AS
                    United Kingdom
                    Fax: +44 (20) 7984 8701
                    Attention: Peter Goddard

    copies to:      Dorsey & Whitney
                    21 Wilson Street
                    London EC2M 2TD
                    United Kingdom
                    Fax: +44 (20) 7588 0555
                    Attention: George Hagerty, Esq.

    to ebix:        ebix.com, Inc.
                    Five Concourse Parkway
                    Suite 3200
                    Atlanta, Georgia 30328
                    Fax: +1 (678) 281-2019
                    Attention: Robin Raina

    copies to:      Sonnenschein Nath & Rosenthal
                    Suite 8000 Sears Tower
                    233 South Wacker Drive
                    Fax: +1 (312) 876 7934
                    Attention: Dennis Newman, Esq.
</TABLE>

                                     B-2-12
<PAGE>
    Any notice, demand or other communication so addressed to the relevant Party
    shall be deemed to have been delivered: (a) if given or made by letter, when
    actually delivered to the relevant address; and (b) if given or made by
    facsimile, on the first business day following transmission if telegraphic
    advice of such transmissions is given on such first business day and a
    machine-printed confirmation of receipt is received by the sender.

12.2 SUCCESSORS AND ASSIGNS. Except as otherwise provided herein, the terms and
    conditions of this Agreement shall inure to the benefit of and be binding
    upon the respective successors and assigns of the parties; PROVIDED,
    HOWEVER, that the rights under Section 2 and Section 3 may be assigned only
    to affiliates of BRiT. Nothing in this Agreement, express or implied, is
    intended to confer upon any party other than the parties hereto or their
    respective successors and assigns any rights, remedies, obligations, or
    liabilities under or by reason of this Agreement, except as expressly
    provided in this Agreement.

12.2 GOVERNING LAW. This Agreement shall be governed by and construed under the
    laws of the State of New York, without reference to its conflict of laws
    provisions.

12.3 COUNTERPARTS. This Agreement may be executed in two or more counterparts,
    each of which shall be deemed an original, but all of which together shall
    constitute one and the same instrument.

12.4 TITLES AND SUBTITLES. The titles and subtitles used in this Agreement are
    used for convenience only and are not to be considered in construing or
    interpreting this Agreement.

12.5 EXPENSES. If any action at law or in equity is necessary to enforce or
    interpret the terms of this Agreement, the prevailing party shall be
    entitled to reasonable attorneys' fees, costs and necessary disbursements in
    addition to any other relief to which such party may be entitled.

12.6 AMENDMENTS AND WAIVERS. Any term of this Agreement may be amended and the
    observance of any term of this Agreement may be waived (either generally or
    in a particular instance and either retroactively or prospectively), only
    with the written consent of ebix and BRiT. No waivers of or exceptions to
    any term, condition or provision of this Agreement, in any one or more
    instances, shall be deemed to be, or construed as, a further or continuing
    waiver of any such term, condition or provision.

12.7 SEVERABILITY. If one or more provisions of this Agreement are held to be
    unenforceable under applicable law, such provision shall be excluded from
    this Agreement, and the balance of the Agreement shall be interpreted as if
    such provision were so excluded, and shall be enforceable in accordance with
    its terms.

                                     B-2-13

<PAGE>
    IN WITNESS WHEREOF, this Agreement has been executed and delivered by the
duly authorized officer of each party hereto as of the date first above written.

EBIX.COM, INC.
By:
----------------------------
Name:
Title:
BRIT INSURANCE HOLDINGS PLC
By:
----------------------------
Name:
Title:
By:
----------------------------
Name:
Title:

                                     B-2-14<PAGE>

                                                                 EXHIBIT 10.3

   [ABOUT LOGO]

CO-BRANDING AGREEMENT

This Agreement (the "Agreement"), dated this 19th day of January, 2001 (the
"Effective Date"), is by and between About.com, Inc. ("About"), a Delaware
corporation, located at 1440 Broadway, 19th Floor, New York, NY 10018 and
ebix.com, Inc. ("ebix"), a Delaware corporation, located at 1900 E.Golf Road,
Schaumberg, IL 60173

W I T N E S S E T H:

WHEREAS, About owns and operates an Internet service known as About.com,
currently located at the URL HTTP://WWW.ABOUT.COM, at which users may access a
variety of content channels and a network of highly-targeted, topic-specific Web
sites, and includes any site owned, operated or under the control of About (the
"About Network");

WHEREAS, ebix is the e-commerce portal for insurance on the Internet offering to
consumers and insurance professionals a one-stop site, currently located at
http://www.ebix.com for all kinds of insurance content ranging from consumer to
business tools to broker to business tools as well as e-commerce functionality;

WHEREAS, the parties desire to collaborate to create an independent co-branded
channel on or accessible though the About Network at which visitors to the About
Network may access insurance information, on the terms and conditions
hereinafter set forth;

WHEREAS, ebix desires to receive promotions on the About Network for the
parties' Insurance Center and for the ebix Site (hereinafter defined).

NOW, THEREFORE, in consideration of the agreements and obligations set forth
herein and for other good and valuable consideration, the receipt and
sufficiency of such is hereby acknowledged, the parties hereto hereby agree as
follows:

  1.  DEFINITIONS

      "ABOUT CONTENT" means any and all textual, graphical, audio/visual or
      other materials created or provided on or behalf of About for use on the
      Insurance Center (other than the ebix Content), including but not limited
      to the About Wrapper and the About Look and Feel (hereinafter defined).

      "ABOUT CUSTOMER" means any individual or entity who has registered with
      ebix either (i) through the registration process on the Insurance Center
      or (ii) registers with ebix after accessing the ebix Site from a link on
      the About Network.

      "ABOUT CUSTOMER DATA" means information related specifically to About
      Customers, including but not limited to: (i) internet addresses and
      navigational information, including information disclosing the usage of
      Links within or available through the Insurance Channel; (ii)
      transactional information, including, but not limited to, names,
      addresses, billing information, information requested; and (iii) any other
      information that identifies an individual as an About Customer.

      "ABOUT LOOK AND FEEL" means the distinctive and particular elements of
      graphics (including the About Marks), design, organization, presentation,
      layout, user interface, navigation, trade dress and stylistic convention
      (including the digital implementations thereof) within the About Network
      and the

** Confidential treatment has been requested for portions of this document.
   The redacted material has been filed with the commission pursuant to an
   application for confidential treatment.

<PAGE>

      total appearance and impression substantially formed by the combination,
      coordination and interaction of these elements.

      "ABOUT MARKS" means the name, tradenames, trademarks, service marks, logos
      and other distinctive brand marks of About, adopted by About, or used in
      or relating to About's business from time to time, whether or not in
      connection with its performance of this Agreement,

      "ABOUT NETWORK"" means the About Site, all Web sites owned and operated
      solely by About, and those portions of third party Web sites in which
      About has a right to sell advertisements.

      "ABOUT SITE HOME PAGE" means, with respect to the US version of the About
      Site, the Web page that is displayed to the About User (hereinafter
      defined) when the URL WWW.ABOUT.COM (and any evolution thereof) is
      inputted in the user's browser, whether manually, or by means of a Link.

      "ABOUT GUIDE SITE" means an individual specific topical area within the
      About Site, which is accessible from within a Channel, as comprised from
      time to time.

      "ABOUT GUIDE SITE HOME PAGE" means, with respect to any About Guide Site,
      the Web page that is displayed to the About User when the URL
      [guidesitename].about.com (and any evolution thereof) is inputted in the
      user's browser, whether manually or by means of a Link.

      "About Guide Site Sub-Pages" means, with respect to any About Guide Site,
      all of the Web pages within an About Guide Site other than the About Guide
      Site Home Page.

      "ABOUT USER" means any individual or entity that accesses the About
      Network or any About Guide Site.

      "ABOUT USER DATA" means information related specifically to About Users,
      including but not limited to (i) Internet addresses and navigational
      information, including information disclosing the usage of Links within or
      available through an About Guide Site; (ii) transactional information,
      including names, addresses, billing information, information requested,
      method of payment; and (iii) any other information that identifies an
      individual or entity as an About User.

      "ABOUT WRAPPER" means a navigation bar designed by About, in its sole
      discretion, and approved by ebix, that may, as determined by About,
      contain the About Look and Feel, the About Marks, and standard About
      header, footer, tabs, navigational elements, copyright notice and other
      attributes set forth in EXHIBIT A that reflect the then current design of
      the About Guide Sites.

      "ADVERTISING IMPRESSION" means an Advertising Placement (hereinafter
      defined) having been served by About or About's third party advertising
      server for display on the About Network that redirects an About User to
      the Insurance Center.

      "ADVERTISING PLACEMENT" is any standard unit of advertising served and
      displayed by About (or its designated agent) on the About Network, whether
      or not e-Bix branded, pursuant to Section 5 that: (A) advertises or
      otherwise promotes (i)ebix, (ii) the Insurance Center, or any combination
      of the foregoing, and (B) Links to the Insurance Center or the ebix Site.
      Standard About.com advertising units include, but are not limited to:
      468x60 pixel banners, 120x60 pixel buttons; "MarketPlace" text link, 18
      characters; "SuperLink" text link, 2 lines at 20 characters per line or 1
      wrapped line at 40 characters, plus one link for URL (250 character
      limit).

      "CONFIDENTIAL INFORMATION" means all non-public information concerning
      either party, its subsidiaries and affiliates, and their respective
      officers, agents, employees, consultants, licensors, suppliers and

** Confidential treatment has been requested for portions of this document.
   The redacted material has been filed with the commission pursuant to an
   application for confidential treatment.

                                       2
<PAGE>

      customers, including but not limited to business plans, systems
      configurations, technologies, data files, reports, projections,
      initiatives, user data and site usage data.

      "CHANNEL": means a collection of topic-specific Guide Sites (Example:
      Sports, Games)

      "AUTOS CHANNEL HOME PAGE" means the Web page that is displayed to the
      About user when the URL HTTP://HOME.ABOUT.COM/AUTOS/INDEX.HTM (and any
      evolution thereof) is inputted in the About Users browser, which is the
      area of the About Network currently dedicated to the promotion of
      automobiles generally, and contains Links to the Insurance Center.

      "FAMILY/PARENTING CHANNEL HOME PAGE" means the Web page that is displayed
      to the About User when the URL HTTP://HOME.ABOUT.COM/FAMILY/INDEX.HTM (and
      any evolution thereof) is inputted in the About Users browser, which is
      the area of the About Network dedicated to the promotion of family and
      parenting generally, and contains Links to the Insurance Center.

      "HEALTH CHANNEL HOME PAGE" means the Web page that is displayed to the
      About User when the URL HTTP://HOME.ABOUT.COM/HEALTH/INDEX.HTM (and any
      evolution thereof) is inputted in the About Users browser, which is the
      area of the About Network dedicated to the promotion of health issues
      generally, and contains Links to the Insurance Center.

      "MONEY CHANNEL HOME PAGE" means the Web page that is displayed to the
      About User when the URL HTTP://HOME.ABOUT.COM/MONEY/INDEX.HTM (and any
      evolution thereof) is inputted in the About Users browser, which is the
      area of the About Network dedicated to the promotion of money issues
      generally, and contains Links to the Insurance Center.

      "REAL ESTATE CHANNEL HOME PAGE" means the Web page that is displayed to
      the About User when the URL HTTP://HOME.ABOUT.COM/REALESTATE/INDEX.HTM
      (and any evolution thereof) is inputted in the About Users browser, which
      is the area of the About Network dedicated to the promotion of real estate
      issues generally, and contains Links to the Insurance Center.

      "EBIX CONTENT" means the Links and information available on the ebix Site
      and supplied to the Insurance Center pursuant to this Agreement, and any
      other textual, graphical, audio, visual or other materials created or
      provided by or on behalf of ebix for use in the Insurance Center.

      "EBIX MARKS" means the name, tradenames, trademarks, service marks, logos
      and other distinctive brand marks of ebix adopted by ebix or used in or
      relating to ebix business from time to time, whether or not in connection
      with its performance of this Agreement, including but not limited to those
      identified in EXHIBIT B attached hereto.

      "EBIX SITE" means the Internet-based Site maintained and operated by ebix
      at the URL HTTP://WWW.EBIX.COM.

      "FILLED APPLICATION FORM" means when an About User accesses an application
      form for buying insurance through a Link from the Insurance Center and
      completely fills out all fields of the form and clicks the "Submit"
      button. The sample format of the application form is enclosed in Exhibit
      J. If ebix wishes to increase the length of the Filled Application Form by
      more than 10% during the Term, About must approve such change.

      "INSURANCE CENTER" means a channel accessible from the About Site Home
      Page and other Links or Advertising Placements, created and maintained by
      ebix hereunder and on which (i) the About Marks and About Wrapper appear,
      and (ii) the ebix Content is displayed pursuant to this Agreement.

** Confidential treatment has been requested for portions of this document.
   The redacted material has been filed with the commission pursuant to an
   application for confidential treatment.

                                       3
<PAGE>

      "LAUNCH DATE" means the date on which the ebix Content is first displayed
      to the public on the Insurance Center.

      "LINK" means a hyperlink or so called "hot link" in graphical and/or
      textual format located on any Site which takes a user directly to another
      Site.

      "MARKS" means the About Marks and the ebix Marks collectively.

      "PARTNERSHIP BOX" means an area within an About Web page containing search
      functionality by which an About User shall have the ability to search for
      insurance information and access the Insurance Center , which shall appear
      in substantially the form and manner as set forth on EXHIBIT D.

      "PROMOTIONAL IMPRESSIONS" means an Advertising Placement having been
      served by About or About's third party advertising server for display on
      the About Network that redirects an About User to the Insurance Center

      "QUARTER" shall mean any increment of three (3) months. The first of these
      Quarters, which do not necessarily conform to calendar quarters, shall
      commence on the first day of the month following the Launch Date and are
      to be measured in consecutive three (3) month increments following
      thereafter.

      "SITE" means any interactive site or area, including by way of example and
      without limitation, a site on the World Wide Web portion of the Internet.

2.    TERM

2.1   The term of this Agreement (the "Term") shall commence on the date hereof
      (the "Effective Date") and shall expire upon delivery of [**] to ebix,
      but in no way shall this Agreement extend any later than thirty (30)
      months from the Effective Date regardless of the number Filled
      Application Forms delivered to ebix. About will make commercially
      reasonable efforts to achieve that number in twelve (12) months or less
      from the Effective Date.

3.    DEVELOPMENT, OPERATION AND ADMINISTRATION OF INSURANCE CENTER; EXCLUSIVITY

3.1   Pursuant to the terms and conditions of this Agreement, About shall,
      create and maintain Links within the About Network to the Insurance Center
      and to the ebix Site, which Links shall be accessible to About Users by
      means of (i) a Link on the About Site Home Page, substantially as depicted
      in EXHIBIT C, (ii) a Link on the Auto Channel Home Page, Family/Parenting
      Channel Home Page, Health Channel Home Page, Money Channel Home Page, and
      Real Estate Channel Home Page, substantially as depicted in EXHIBIT D;
      (iii) within fifty percent (50%) of the Partnership Box on each of the
      following About Guide Site Home Pages and all the subsequent Guide Sites
      Sub-Pages until the termination of this agreement as detailed in section
      2.1: Personal Insurance, Senior Health, Retirement Planning, Consumer
      Information/Advocacy, Auto Repair, Vintage Cars, Motorcycles, 4 Wheel
      Drive/SUVs, Trucks, Cars, Power Boating, and Sailing for as long as such
      Guide Sites are in existence, substantially as depicted in EXHIBIT E, ;
      and (iv) Links from the Advertising Placements, as set forth in the
      greater detail in Section 4. Notwithstanding Section 7.1, all the above
      links on the About.com Home Page and Channels listed above, in addition to
      the Partnership Box integration on the Guide Site Home Pages and all the
      subsequent Guide Site Sub-Pages shall be maintained by about, until the
      termination of this agreement as detailed in Section 2.1

3.2   The Insurance Center shall be hosted solely by ebix and contained in an
About Wrapper and ebix shall, during the Term, provide site maintenance services
relative to the Insurance Center substantially as provided for the ebix Site
from time to time, subject to the uptime requirements as set forth in Section
13.4.

** Confidential treatment has been requested for portions of this document.
   The redacted material has been filed with the commission pursuant to an
   application for confidential treatment.

                                       4
<PAGE>

3.3   During the Term, ebix shall be the exclusive integrated online insurance
provider in the Channels and Guide Sites listed in Section 3.1 above. [**]

  4.  ADVERTISING IMPRESSIONS; INTEGRATION IMPRESSIONS; APPLICATIONS

4.1   Commencing on the Effective Date and continuing until March 15, 2001,
      About shall deliver to ebix [**] Advertising Impressions in the form and
      manner set forth on EXHIBIT G; About will not begin to deliver the
      Impressions as set forth in Exhibit G until the Insurance Center is live
      and fully functional.

4.2   Commencing on or about March 20, 2001 and continuing throughout the Term,
      About shall deliver to ebix the greater of [**] Promotional Impressions,
      or the number of impressions as calculated according to the terms set
      forth in Section 4.5, in the form and manner as set forth on EXHIBIT H.

4.3   If this Agreement is terminated by either party pursuant to Sections 13.1,
      13.2 or 13.3 prior to the expiration of the Term of this Agreement, About
      shall be obligated to deliver only a pro-rated number of impressions and
      Filled application forms to ebix

4.4   Pursuant to section 2.1, About shall use commercially reasonable efforts
      to generate at least [**] during the Term and may use any and all
      advertising units in order to reach this goal.

4.5   Additionally, About shall use commercially reasonable efforts to deliver
      [**] Filled Application Forms per Quarter. If, however, at the end of a
      Quarter, About has not generated the applicable Quarterly Filled
      Application goals as set forth on EXHIBIT I, About shall deliver
      additional advertising impressions, in the amounts also set forth on
      EXHIBIT I.

4.6   Notwithstanding Section 7.1, pursuant to sections 2.1 and 3.1, commencing
      on or about February 15, 2001 and continuing through out the Term, About
      shall maintain all the Links and Partnership Box integration as set forth
      in section 3.1

5.    PAYMENTS AND REPORTS

5.1   ebix shall pay to About, [**] in consideration for the Advertising
Impressions as set forth in Section 4.1, herein, no later than seven (7)
business days from the Effective Date , which shall be paid to About via wire
transfer, pursuant to the following instructions:[**]

5.2 In addition, ebix agrees to pay to About a fee of [**] for [**] and [**]
from [**] up to [**] (the "Application Fees"). The payment of the Application
Fees are to be due within 30 days after the end of the month in which the
Application Fees were generated. Such payments shall be accompanied by a
report stating the number of Filled Application Forms generated during the
previous month, as well as the amount due to About. Ebix will track the
number of Filled Application Forms generated by About Customers.

** Confidential treatment has been requested for portions of this document.
   The redacted material has been filed with the commission pursuant to an
   application for confidential treatment.

                                       5

<PAGE>

5.3   If any of the payments are not received on or before the appropriate dates
      as described above, About shall have the right to charge ebix interest on
      the overdue amount at the rate of 6% per year,, calculated from 30 days
      after the end of the month for which payment is made until the date of
      ebix's payment of such amount, which interest shall be in addition to such
      fees due and owing About. In addition, About shall be entitled to its
      reasonable costs and expenses (including attorneys' fees) in connection
      with any action to collect fees under or to otherwise enforce this
      Agreement.

5.4   About shall have the right to examine, or to have examined by a
representative of About, ebix's books and records to verify the accuracy of
payments made to About for a maximum period of last 6 months preceding a written
notice of About, pursuant to this Agreement. About shall provide ebix with at
least thirty (30) days' prior notice of an audit and such audit shall be
conducted at ebix's offices for a maximum period of two business days, during
regular business hours, subject to ebix's cooperation. If the audit reveals that
ebix has paid About less than the sum to which About is entitled, ebix agrees to
pay About.com the additional sums due. If such sums exceed five percent (5%) of
the total monies owed in connection with such audited amount to About ,ebix will
pay for all costs reasonably incurred by About in connection with the audit.

6.    LICENSE TO USE MARKS

6.1   Subject to the terms and conditions of this Agreement, ebix hereby grants
      to About a limited, non-transferable, fully-paid, worldwide, non-exclusive
      right and license to use, reproduce, adapt (but only to pursuant to its
      rights under this Agreement), incorporate, integrate and distribute the
      ebix Marks and ebix Content, during the Term, solely as necessary to
      perform its obligations under this Agreement.

      .
6.2   Each party retains all right, title and interest in and to its respective
      Marks and nothing contained herein shall confer in the other party any
      right, title or interest in or to such Marks. Any use by the party (the
      "Licensee") of the other party's (the "Licensor") Marks shall conform with
      any usage guidelines or instructions that the Licensor may provide from
      time to time, and Licensee shall promptly remedy any failure to conform
      with such guidelines as are communicated to it by Licensor. Anything
      contained herein to the contrary notwithstanding, the Licensee shall,
      prior to any use of Licensor's Marks pursuant to this Agreement, submit to
      Licensor a sample of the proposed use thereof and obtain from the Licensor
      approval of such sample. All goodwill associated with the use of
      Licensor's Marks shall inure to the benefit of such Licensor.

7.    RIGHT TO REDESIGN AND RE-INDEX

      7.1   About may, at any time, revise the design, Look and Feel, and layout
            of the About Network. If, in About's reasonable opinion, any such
            revision would result in the need for ebix to modify its Links to
            and/or from the About Network or any of the Channels or Guide Sites
            mentioned herein, and as applicable, About shall provide ebix with a
            written notice stating the need for such revision, and ebix shall,
            within not more than thirty (30) days from the date of such notice,
            modify its Links. About shall have the right to approve in advance
            such modification.

8.    CREDIT

8.1   eBix shall receive all page view, impression, reach duration and frequency
      credit resulting from About Users accessing the Insurance Center.

9.    OWNERSHIP

9.1   eBix shall own and retain all right, title and interest in and to any
      About Customer data generated on the Insurance Center, and nothing in this
      Agreement shall confer in About any right, title or interest in

** Confidential treatment has been requested for portions of this document.
   The redacted material has been filed with the commission pursuant to an
   application for confidential treatment.

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      the About Customer data (except to the extent that it is duplicative of
      About User data and as hereinafter provided). Upon request by About, ebix
      shall provide About with About Customer Data in the aggregated form, which
      aggregated form shall be jointly owned by ebix and About. During the Term
      and any time thereafter, eBix shall not sell, lease, transfer,
      disseminate, display or otherwise disclose any About User data to any
      third party or otherwise use the same for any reason other than as set
      forth herein. However, ebix shall not be prohibited from selling, leasing,
      transferring, disseminating, displaying or otherwise disclosing any About
      Customer Data, as defined in Section 1 above.

9.2   About shall own and retain all right, title and interest in and to any
      About User data generated within the About Network (other than the
      Insurance Center), and nothing in this Agreement shall confer in eBix any
      right, title or interest in or to the About User Data (other than the
      Insurance Center and except to the extent that it is duplicative of About
      Customer Data).

9.2   Other than set forth herein, all intellectual and proprietary information,
      supplied or developed by either party shall be and remain the sole and
      exclusive property of the party who supplied and developed same.

10.   REPRESENTATIONS, WARRANTIES AND COVENANTS

10.1  eBix represents, warrants and covenants that (i) the execution, delivery
      and performance by ebix of this Agreement and the consummation by it of
      the transactions contemplated hereby will not conflict with or violate any
      provision of law, rule or regulation to which ebix is subject, or any
      agreement or other instrument applicable to ebix or binding upon ebix, its
      assets or properties; (ii)ebix is the sole and exclusive owner of the ebix
      Marks and the ebix Content and ebix has the unqualified right and power to
      render the performances and activities contemplated under the terms of
      this Agreement, included but not limited to the right to publish all
      materials, software, content, products or services appearing on and
      accessible to About Users linking from the Insurance Center to the About
      Network or provided by About for use on the Insurance Center; (iii) the
      ebix Marks and other content provided by ebix hereunder, including but not
      limited to the ebix Content, or appearing on and accessible to About Users
      linking from the Insurance Center to the About Network , will not infringe
      upon or violate the copyright, trademark, patent, or other intellectual
      property rights or interests of any third party or misappropriate the
      trade secrets of any third party, constitute false advertising, unfair
      competition, defamation, invasion of privacy or publicity rights, moral or
      otherwise, or violate any anti-discrimination law or regulation; (iv)ebix
      will take commercially reasonable precautions to insure that the Insurance
      Center and the ebix Site are and will continue to be free of any software
      disabling devices , including, but not limited to, time bombs, viruses or
      devices of a similar nature, or any defamatory, slanderous, libelous,
      illegal, pornographic or obscene material or services; and (v)ebix shall
      not (a) hold itself out as having any proprietary rights with respect to
      the About Marks or (b) make any claim to ownership rights in the About
      Marks or challenge the About Marks or the registration thereof, or (c)
      attempt to register or cause to be registered the About Marks or create or
      use or attempt to register or cause to be registered any marks or trade
      names that are confusingly similar to the About Marks, or (d) use the
      About Marks hereunder without About's approval of such use.

10.2  About represents, warrants and covenants that (i) the execution, delivery
      and performance by About of this Agreement and the consummation by it of
      the transactions contemplated hereby will not conflict with or violate any
      provision of law, rule or regulation to which About is subject, or any
      agreement or other instrument applicable to About or binding upon About,
      its assets or properties; (ii) About is the sole and exclusive owner of
      the About Marks and About has the unqualified right and power to render
      the performances and activities contemplated under the terms of this
      Agreement, included but not limited to the right to publish all materials,
      software, content, products or services appearing on and accessible to
      About Users linking from the Insurance Center to the About Network

** Confidential treatment has been requested for portions of this document.
   The redacted material has been filed with the commission pursuant to an
   application for confidential treatment.

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      or provided by About for use on the Insurance Center; (iii) the About
      Marks and other content provided by About hereunder, or appearing on and
      accessible to About Users linking from the Insurance Center to the About
      Network , will not infringe upon or violate the copyright, trademark,
      patent, or other intellectual property rights or interests of any third
      party or misappropriate the trade secrets of any third party, constitute
      false advertising, unfair competition, defamation, invasion of privacy or
      publicity rights, moral or otherwise, or violate any anti-discrimination
      law or regulation; (iv) About will take commercially reasonable
      precautions to insure that the About Network and the About Network are and
      will continue to be free of any software disabling devices , including,
      but not limited to, time bombs, viruses or devices of a similar nature;
      and (v) About shall not (a) hold itself out as having any proprietary
      rights with respect to the ebix Marks or (b) make any claim to ownership
      rights in the ebix Marks or challenge the ebix Marks or the registration
      thereof, or (c) attempt to register or cause to be registered the ebix
      Marks or create or use or attempt to register or cause to be registered
      any marks or trade names that are confusingly similar to the ebix Marks,
      or (d) use the ebix Marks hereunder without ebix's approval of such use.

11.   INDEMNIFICATION

11.1  eBix will defend, indemnify and hold About, its officers, directors,
      agents, employees and consultants (collectively the "About Indemnified
      Parties") harmless from and against any third party claims against About
      for all liabilities, claims, actions, damages, losses, settlements, and
      costs, and expenses (including, without limitation reasonable attorneys'
      fees) relating to or arising out of ebix's breach of its warranties,
      representations, responsibilities or covenants hereunder.

11.2  About will defend, indemnify and hold ebix, its officers, directors,
      agents, employees and consultants (collectively the "eBix Indemnified
      Parties") harmless from and against any third party claims against ebix
      for all liabilities, claims, actions, damages, losses, settlements, and
      costs, and expenses (including, without limitation reasonable attorneys'
      fees) relating to or arising out of About's breach of its warranties,
      representations, responsibilities or covenants hereunder.

11.3  The indemnified party agrees to (i) provide prompt written notice (in
      accordance with Section 15.7 below) of any such claim to the indemnifying
      party, (ii) allow the indemnifying party to control and conduct the
      defense of the claim and settlement negotiations, including but not
      limited to, providing the indemnifying party with all reasonably available
      information, assistance, authority, and cooperation reasonably required to
      enable the indemnifying party to defend and settle the claim. No
      settlement or compromise hereunder shall be made which binds the
      indemnified party without the express written consent of the indemnified
      party.

12.4  Each party shall promptly inform the other party of any event or
      circumstance, and provide all information pertaining thereto, related to
      or arising from this Agreement which could lead to a claim or demand
      against the other party by any third party with respect to any content
      supplied hereunder for use on the Insurance Center.

12.   CONFIDENTIALITY

12.1  The parties may from time to time receive from one another certain
      information that is proprietary or confidential to the disclosing party,
      including the About Confidential Information and the ebix Confidential
      Information (collectively, the "Confidential Information"). The recipient
      of such Confidential Information shall hold such Confidential Information
      in confidence, shall not use it except to further its relationship with
      the other party under this Agreement, and shall not publish or disclose it
      to third parties unless authorized in writing by the disclosing party.
      These restrictions shall not apply to any Confidential Information: (i)
      after it has become generally available to the public without of breach of
      this Agreement by the receiving party; (ii) is rightfully in the receiving
      party's possession before disclosure to it by the disclosing party; (iii)
      is independently developed by the

** Confidential treatment has been requested for portions of this document.
   The redacted material has been filed with the commission pursuant to an
   application for confidential treatment.

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<PAGE>

      receiving party; (iv) rightfully received the receiving party from a third
      party without confidentiality; or (v) is required to be disclosed under
      operation of law or administrative process. Upon expiration or termination
      of this Agreement for any reason, each party will promptly and at the
      direction of the other party, either destroy or return to the disclosing
      party, and will not take or use, all items of any nature which belong to
      the disclosing party and all records (in any form, format or medium)
      containing or relating to Confidential Information. The parties'
      obligations under this Section 12 shall survive the termination or
      non-renewal of this Agreement.

13.   TERMINATION AND SURVIVAL

13.1  eBix may terminate this Agreement, [**] upon [**] to About; provided,
      however, that the termination is no earlier than [**] of the Effective
      Date of this Agreement.

13.2  Either party may terminate this Agreement if the other (i) fails to make
      any payment required to be made by it hereunder for more than twenty (20)
      business days after such party shall have received notice from the other
      party of the failure of payment thereof, or (ii) commits a material breach
      of this Agreement that is not cured within thirty (30) calendar days after
      receipt of written notice of the breach.

13.3  Either party may terminate immediately upon written notice if the other
      party (i) ceases to function as a going concern or to conduct operations
      in the normal course of business; (ii) has a petition filed against it
      under any state or federal bankruptcy law which petition has not been
      dismissed or set aside within ninety (90) days of its filing, or if (a)
      About sells all or substantially all of the assets of such party or any
      event or series of event whereby any entity acquires beneficial ownership
      of the capital stock of such party representing fifty percent (50%) of the
      voting stock of such party provided however, that the acquisition of About
      by Primedia shall not be grounds for the termination of this Agreement; or
      (b) ebix becomes acquired by, merged into or is under the control of any
      of the following parties, About may terminate this Agreement immediately
      upon by providing ebix written notice: AOL; Yahoo; Lycos/Terra; NBC; CBS;
      Looksmart; InfoSpace; CMGI; AltaVista; Disney; Microsoft; CNET;
      Excite@Home; AskJeeves; GOTO; Doubleclick; or Lifeminders.

13.4 The ebix Insurance Center shall be operational and fully functionally at
least ninety nine percent (99.0%) of the time during the Term, without taking
into account scheduled downtime and maintenance which shall not exceed in the
aggregate, one (1) hour in any one (1) month period. In the event of any
downtime and/or maintenance in excess of the aforementioned amount, such shall
be deemed a material breach and ebix shall have twenty four (24) hours in which
to cure such breach. If such breach is not cured to About's reasonable
satisfaction, About may remove the ebix Links after informing either the
President, CFO or CTO of ebix until About reasonably determines that the ebix
Web Site is operational and fully functional.

13.6 Upon termination of this Agreement, any and all licenses granted by one
party to the other hereunder shall immediately terminate, and the parties shall
immediately cease the use of the other party's Marks, material or content
provided in connection with this Agreement, and shall remove all Links to and
from one another's Sites, and About shall remove all Links between the About
Network and the Insurance Center. Each party shall return the Confidential
Information of the other party.

13.7 The rights and obligations of the parties hereto under Sections 5.3, 5.4,
9, 10, 11, 12, 14, and 15 shall survive the expiration or termination of this
Agreement and continue in full force and effect notwithstanding such expiration
or termination.

14.   LIMITATION OF LIABILITY

** Confidential treatment has been requested for portions of this document.
   The redacted material has been filed with the commission pursuant to an
   application for confidential treatment.

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14.1  NEITHER PARTY SHALL HAVE ANY LIABILITY FOR ANY INDIRECT, SPECIAL, PUNITIVE
OR CONSEQUENTIAL DAMAGES INCLUDING, WITHOUT THE LIMITATION, LOSS OF PROFIT OR
BUSINESS OPPORTUNITIES, WHETHER OR NOT THE PARTY WAS ADVISED OF THE POSSIBILTY
OF SUCH. EXCEPT AS EXPRESSLY SET FORTH HEREIN, NEITHER PARTY MAKES ANY, AND EACH
PARTY HEREBY SPECIFICALLY DISCLAIMS ANY REPRESENTATIONS OR WARRANTIES, EXPRESS
OR IMPLIED, REGARDING THE TOOLS AND SERVICES CONTEMPLATED BY THIS AGREEMENT,
INCLUDING ANY IMPLIED WARRANTY OF MERCHANTIBILITY OR FITNESS FOR A PARTICULAR
PURPOSE AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF
PERFORMANCE.

15.   MISCELLANEOUS

15.1  Each party is an independent contractor and not an employee of the other
party. Each party understands and agrees that (i) its employees are not entitled
to any benefits provided to any employee of the other party and (ii) it is
solely responsible for reporting as income any compensation received hereunder.
Each party is responsible for compliance with all federal, state and local laws,
regulations and orders in connection with taxes, unemployment insurance, social
security, worker's compensation, disability or like matters.

15.2  This constitutes the entire agreement between the parties with respect to
the subject matter hereof, and no statement, promise, or inducements made by
either party or agent of either party that is not contained in this written
Agreement shall be valid or binding. This Agreement may not be modified or
altered except in writing signed by both parties.

15.3  In the event any provision of this Agreement is held to be unenforceable,
such provision will be reformed only to the extent necessary to make it
enforceable, and the other provisions of this Agreement will remain in full
force and effect.

15.4  This Agreement will be governed by the laws of the state where a suit is
properly filed under the terms of this paragraph, being either Illinois or New
York, and without giving effect to conflict of law principles. Litigation
initiated by ebix shall be filed in New York, whereas litigation initiated by
About shall be filed in Illinois. Both parties submit to personal jurisdiction
of Illinois or New York, to effectuate the terms of this paragraph, and further
agree that any cause of action arising under this Agreement shall be brought in
state or federal courts of the States of New York or Illinois, counties of New
York or Cook, respectively.

15.5  Neither party will be liable for, or will be considered to be in breach of
or default under this Agreement on account of, any delay or failure to perform
as required by this Agreement as a result of any causes or conditions that are
beyond such party's reasonable control and that such party is unable to overcome
through the exercise of commercially reasonable diligence (a "force majeure
event"). If any force majeure event occurs, the affected party will give prompt
written notice to the other party and will use commercially reasonable efforts
to minimize the impact of the event.

15.6  Neither party may assign the Agreement without the written consent of the
other party, which consent shall not be unreasonably withheld or delayed, except
that either party may assign the Agreement without obtaining the consent of the
other party to an affiliate or successor by way of purchase, merger,
consolidation or similar transaction, subject to the requirement that the
Agreement shall be binding and enforceable against any successor or assign.

15.7  Any notice under this Agreement will be in writing and delivered by
personal delivery, overnight courier, or certified or registered mail, return
receipt requested, and will be deemed given upon personal delivery, one (1) day
after deposit with an overnight courier, three (3) days after deposit in the
mail, or upon confirmation of receipt of facsimile. Notices sent to About at the
address listed above will be addressed to President, Corporate Development and
notices sent to ebix at the address listed will be addressed to Richard

** Confidential treatment has been requested for portions of this document.
   The redacted material has been filed with the commission pursuant to an
   application for confidential treatment.

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Baum, 1900 E.Golf Road, Suite 1200, Schuamberg, IL 60173 and each will be sent
to the appropriate address set forth above or such other address as that party
may specify in writing pursuant to this Section.

Agreed and Accepted:

EBIX.COM, INC.                           ABOUT.COM, INC.

Name:                                    Name:
     -------------------------------          -------------------------------

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

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

Date:                                    Date:
     -------------------------------          -------------------------------

** Confidential treatment has been requested for portions of this document.
   The redacted material has been filed with the commission pursuant to an
   application for confidential treatment.

                                       11

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