Document:

<PAGE>   1

                                                               EXHIBIT 10(b)(10)

                     AMENDMENT ELEVEN TO MARKETING AGREEMENT

This document is Amendment Ten to the Marketing Agreement ("Agreement"), made
and entered into effective June 1, 1993, and amended by Amendment One to
Marketing Agreement dated September 16, 1993; Amendment Two to Marketing
Agreement dated June 4, 1998; Amendment Three to Marketing Agreement dated
September 25, 1998; Amendment Four to Marketing Agreement dated October 19,
1998; and Amendment Five to Marketing Agreement dated December 15, 1998;
Amendment Six to Marketing Agreement dated March 25, 1999, Amendment Seven to
Marketing Agreement dated May 10, 1999, Amendment Eight to Marketing Agreement
dated June 24, 1999, (the "Agreement"), Amendment Nine to Marketing Agreement
dated August 5, 1999, and Amendment Ten to Marketing Agreement dated October 1,
1999, by and between American National Insurance Company ("American National") a
Texas corporation, and Legacy Marketing Group ("LMG"), a California corporation.

In consideration of mutual covenants contained herein, the parties agree as
follows:

1. Section 3.1 of the Agreement is hereby deleted in its entirety and the
   following new Section 3.1 shall be substituted therefore:

        "3.1 Subject to termination as hereinafter provided, this Agreement
        shall remain in force and effect until the close of business on February
        29, 2000, the term of this Agreement. This Agreement may be renewed by
        mutual agreement for successive terms of one (1) year unless terminated
        by either party by prior written notice to the other at least one
        hundred eighty (180) days prior to the end of the initial term or the
        renewal term."

Except as specifically amended hereby, all terms and provisions of the Marketing
Agreement shall remain in full force and effect.

IN WITNESS HEREOF, the parties hereto have executed this Agreement.

LEGACY MARKETING GROUP                  AMERICAN NATIONAL INSURANCE
                                        COMPANY

By: /s/ DAVID A. SKUP                   By: /s/ DAVID BEHRENS
   --------------------------------        -----------------------------------

Title: CFO                              Title: Exec VP Ind. MKTG
      -----------------------------           --------------------------------

Witness: /s/ STEPHANIE MOLTENI          Witness: /s/ LORI L. HERRER
        ---------------------------             ------------------------------

Date:          1-31-2000                Date:   1/28/2000
     ------------------------------          ---------------------------------<PAGE>   1

                                                               EXHIBIT 10(b)(11)

                     AMENDMENT TWELVE TO MARKETING AGREEMENT

This document is Amendment Ten to the Marketing Agreement ("Agreement"), made
and entered into effective June 1, 1993, and amended by Amendment One to
Marketing Agreement dated September 16, 1993; Amendment Two to Marketing
Agreement dated June 4, 1998; Amendment Three to Marketing Agreement dated
September 25, 1998; Amendment Four to Marketing Agreement dated October 19,
1998; and Amendment Five to Marketing Agreement dated December 15, 1998;
Amendment Six to Marketing Agreement dated March 25, 1999, Amendment Seven to
Marketing Agreement dated May 10, 1999, Amendment Eight to Marketing Agreement
dated June 24, 1999, (the "Agreement"), Amendment Nine to Marketing Agreement
dated August 5, 1999, Amendment Ten to Marketing Agreement dated October 1,
1999, and Amendment Eleven to Marketing Agreement dated January 31, 2000, by and
between American National Insurance Company ("American National") a Texas
corporation, and Legacy Marketing Group ("LMG"), a California corporation.

In consideration of mutual covenants contained herein, the parties agree as
follows:

1. Section 3.1 of the Agreement is hereby deleted in its entirety and the
   following new Section 3.1 shall be substituted therefore:

        "3.1 Subject to termination as hereinafter provided, this Agreement
        shall remain in force and effect until the close of business on April
        30, 2000, the term of this Agreement. This Agreement may be renewed by
        mutual agreement for successive terms of one (1) year unless terminated
        by either party by prior written notice to the other at least one
        hundred eighty (180) days prior to the end of the initial term or the
        renewal term."

Except as specifically amended hereby, all terms and provisions of the Marketing
Agreement shall remain in full force and effect.

IN WITNESS HEREOF, the parties hereto have executed this Agreement.

LEGACY MARKETING GROUP                  AMERICAN NATIONAL INSURANCE
                                        COMPANY

By: /s/ DAVID A. SKUP                   By: /s/ DEBRA KNOWLES
   --------------------------------        -----------------------------------

Title: Chief Financial Officer          Title: Assistant Vice President
      -----------------------------           --------------------------------

Witness: /s/ SANDY LOPES                Witness: /s/ NICOLE ABRAHAM
        ---------------------------             ------------------------------

Date:         3/1/00                    Date:   2/29/00
     ------------------------------          ---------------------------------<PAGE>   1

                                                               EXHIBIT 10(c)(11)

                 AMENDMENT TEN TO INSURANCE PROCESSING AGREEMENT

This document is Amendment Nine to the Insurance Processing Agreement
("Agreement"), made and entered into effective June 1, 1993, and amended by
Amendment One to Insurance Processing Agreement dated June 4, 1998; Amendment
Two to Insurance Processing Agreement dated September 25, 1998; Amendment Three
to Insurance Processing Agreement dated October 19, 1998; Amendment Four to
Insurance Processing Agreement dated December 15, 1998, Amendment Five to
Insurance Processing Agreement dated March 25, 1999, Amendment Six to Insurance
Processing Agreement dated May 10, 1999, Amendment Seven to Insurance Processing
Agreement dated June 24, 1999, Amendment Eight to Insurance Processing Agreement
dated August 5, 1999, and Amendment Nine to Insurance Processing Agreement dated
October 1, 1999 (the "Agreement"), by and between American National Insurance
Company ("American National") a Texas corporation, and Legacy Insurance
Processing Group ("LMG"), a California corporation.

In consideration of mutual covenants contained herein, the parties agree as
follows:

1. "Section 6.1" of the Agreement is hereby deleted in its entirety and the
   following new Section 6.1 shall be substituted therefore:

"Subject to termination as hereinafter provided, this Agreement shall remain in
force and effect until the close of business on February 29, 2000, the term of
this Agreement. This Agreement may be renewed by mutual agreement for additional
successive terms of one (1) year unless terminated by either party by prior
written notice to the other at least one hundred eighty (180) days prior to the
end of the initial term or the renewal term."

Except as specifically amended hereby, all terms and provisions of the Insurance
Processing Agreement shall remain in full force and effect.

IN WITNESS HEREOF, the parties hereto have executed this Agreement.

LEGACY MARKETING GROUP                  AMERICAN NATIONAL INSURANCE
                                        COMPANY

By: /s/ DAVID A. SKUP                   By: /s/ DAVID BEHRENS
   --------------------------------        -----------------------------------

Title: CFO                              Title: Exec VP Ind. MKTG
      -----------------------------           --------------------------------

Witness: /s/ STEPHANIE MOLTENI          Witness: /s/ LORI L. HERRER
        ---------------------------             ------------------------------

Date:          1-31-2000                Date:   1/28/2000
     ------------------------------          ---------------------------------<PAGE>   1

                                                               EXHIBIT 10(c)(12)

               AMENDMENT ELEVEN TO INSURANCE PROCESSING AGREEMENT

This document is Amendment Nine to the Insurance Processing Agreement
("Agreement"), made and entered into effective June 1, 1993, and amended by
Amendment One to Insurance Processing Agreement dated June 4, 1998; Amendment
Two to Insurance Processing Agreement dated September 25, 1998; Amendment Three
to Insurance Processing Agreement dated October 19, 1998; Amendment Four to
Insurance Processing Agreement dated December 15, 1998, Amendment Five to
Insurance Processing Agreement dated March 25, 1999, Amendment Six to Insurance
Processing Agreement dated May 10, 1999, Amendment Seven to Insurance Processing
Agreement dated June 24, 1999, Amendment Eight to Insurance Processing Agreement
dated August 5, 1999, Amendment Nine to Insurance Processing Agreement dated
October 1, 1999, and Amendment Ten to Insurance Processing Agreement dated
January 31, 2000, (the "Agreement"), by and between American National Insurance
Company ("American National") a Texas corporation, and Legacy Insurance
Processing Group ("LMG"), a California corporation.

In consideration of mutual covenants contained herein, the parties agree as
follows:

1. "Section 6.1" of the Agreement is hereby deleted in its entirety and the
   following new Section 6.1 shall be substituted therefore:

"Subject to termination as hereinafter provided, this Agreement shall remain in
force and effect until the close of business on April 30, 2000, the term of this
Agreement. This Agreement may be renewed by mutual agreement for additional
successive terms of one (1) year unless terminated by either party by prior
written notice to the other at least one hundred eighty (180) days prior to the
end of the initial term or the renewal term."

Except as specifically amended hereby, all terms and provisions of the Insurance
Processing Agreement shall remain in full force and effect.

IN WITNESS HEREOF, the parties hereto have executed this Agreement.

LEGACY MARKETING GROUP                  AMERICAN NATIONAL INSURANCE
                                        COMPANY

By: /s/ DAVID A. SKUP                   By: /s/ DEBRA KNOWLES
   --------------------------------        -----------------------------------

Title: Chief Financial Officer          Title: Assistant Vice President
      -----------------------------           --------------------------------

Witness: /s/ SANDY LOPES                Witness: /s/ NICOLE ABRAHAM
        ---------------------------             ------------------------------

Date:         3/1/00                    Date:   2/29/00
     ------------------------------          ---------------------------------

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