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                                                                EXHIBIT 10.5(ii)

                                  AMENDMENT ONE
                                  -------------
                                       TO
                                       --
                              EMPLOYMENT AGREEMENT
                              --------------------

     This AMENDMENT ONE TO EMPLOYMENT AGREEMENT by and between Anthem Insurance
Companies, Inc., an Indiana insurance company (the "Company") and Samuel R.
Nussbaum, M.D. (the "Executive") hereby amends the EMPLOYMENT AGREEMENT (the
"Agreement") between the parties dated as of the 2/nd/ day of January, 2001, as
follows:

1.   Effective January 1, 2002, Section 2 of the Agreement is hereby amended by
     deleting the termination date and inserting in place thereof the 31/st/ day
     of December, 2003.

2.   All other provisions of the Agreement shall remain in full force and
     effect.

IN WITNESS WHEREOF, the Company and the Executive have duly executed this
AMENDMENT ONE TO EMPLOYMENT AGREEMENT effective as of the day and year first
above written.

Samuel R. Nussbaum, M.D.              Anthem Insurance Companies, Inc.

 /s/ Samuel R. Nussbaum               By:  /s/ Larry C. Glasscock
-----------------------------             --------------------------------------

                                      Name: Larry C. Glasscock

                                      Title: President and CEO<PAGE>

                                                                 EXHIBIT 10.7(v)

                                 AMENDMENT FOUR
                                 --------------
                                       TO
                                       --
                              EMPLOYMENT AGREEMENT
                              --------------------

     This AMENDMENT FOUR TO EMPLOYMENT AGREEMENT by and between Anthem Insurance
Companies, Inc., an Indiana insurance company (the "Company") and Marjorie W.
Dorr (the "Executive") hereby amends the EMPLOYMENT AGREEMENT (the "Agreement")
between the parties dated as of the 1/st/ day of January, 1999, as follows:

1.   Effective January 1, 2002, Section 2 of the Agreement is hereby amended by
     deleting the termination date and inserting in place thereof the 31/st/ day
     of December, 2004.

2.   All other provisions of the Agreement, including paragraph 2 and 3 of
     Amendment Three, shall remain in full force and effect.

IN WITNESS WHEREOF, the Company and the Executive have duly executed this
AMENDMENT FOUR TO EMPLOYMENT AGREEMENT effective as of the day and year first
above written.

Marjorie W. Dorr                            Anthem Insurance Companies, Inc.

 /s/ Marjorie W. Dorr                       By:  /s/ Larry C. Glasscock
------------------------------------            --------------------------------

                                            Name: Larry C. Glasscock

                                            Title: President and CEO<PAGE>

                                                                EXHIBIT 10.8(iv)

                                 AMENDMENT THREE
                                 ---------------
                                       TO
                                       --
                              EMPLOYMENT AGREEMENT
                              --------------------

         This AMENDMENT THREE TO EMPLOYMENT AGREEMENT by and between Anthem
Insurance Companies, Inc., an Indiana insurance company (the "Company") and
Keith R. Faller (the "Executive") hereby amends the EMPLOYMENT AGREEMENT (the
"Agreement") between the parties dated as of the 1/st/ day of January, 1999, as
follows:

1.       Effective January 1, 2002, Section 2 of the Agreement is hereby amended
         by deleting the termination date and inserting in place thereof the
         31/st/ day of December, 2004.

2.       All other provisions of the Agreement shall remain in full force and
         effect.

IN WITNESS WHEREOF, the Company and the Executive have duly executed this
AMENDMENT THREE TO EMPLOYMENT AGREEMENT effective as of the day and year first
above written.

Keith R. Faller                             Anthem Insurance Companies, Inc.

  /s/ Keith R. Faller                       By:   /s/ Larry G. Glasscock
------------------------------                 ---------------------------------

                                            Name: Larry C. Glasscock

                                            Title: President and CEO<PAGE>

                                                                EXHIBIT 10.9(ii)
                                  AMENDMENT ONE
                                  -------------
                                       TO
                                       --
                              EMPLOYMENT AGREEMENT
                              --------------------

         This AMENDMENT ONE TO EMPLOYMENT AGREEMENT by and between Anthem
Insurance Companies, Inc., an Indiana insurance company (the "Company") and
Michael D. Houk (the "Executive") hereby amends the EMPLOYMENT AGREEMENT (the
"Agreement") between the parties dated as of the 12th day of August, 2000, as
follows:

1.       Effective January 1, 2002, Section 2 of the Agreement is hereby amended
         by deleting the termination date and inserting in place thereof the
         31/st/ day of December, 2003.

2.       All other provisions of the Agreement shall remain in full force and
         effect.

IN WITNESS WHEREOF, the Company and the Executive have duly executed this
AMENDMENT ONE TO EMPLOYMENT AGREEMENT effective as of the day and year first
above written.

Michael D. Houk                             Anthem Insurance Companies, Inc.

  /s/ Michael D. Houk                       By:   /s/ Larry C. Glasscock
------------------------------------            --------------------------------

                                            Name: Larry C. Glasscock

                                            Title: President and CEO<PAGE>
                                                               EXHIBIT 10.10(iv)

                                 AMENDMENT THREE
                                 ---------------
                                       TO
                                       --
                              EMPLOYMENT AGREEMENT
                              --------------------

         This AMENDMENT THREE TO EMPLOYMENT AGREEMENT by and between Anthem
Insurance Companies, Inc., an Indiana insurance company (the "Company") and
Caroline S. Matthews (the "Executive") hereby amends the EMPLOYMENT AGREEMENT
(the "Agreement") between the parties dated as of the 1/st/ day of April, 1999,
as follows:

1.       Effective January 1, 2002, Section 2 of the Agreement is hereby amended
         by deleting the termination date and inserting in place thereof the
         31/st/ day of December, 2003.

2.       All other provisions of the Agreement shall remain in full force and
         effect.

IN WITNESS WHEREOF, the Company and the Executive have duly executed this
AMENDMENT THREE TO EMPLOYMENT AGREEMENT effective as of the day and year first
above written.

Caroline S. Matthews                         Anthem Insurance Companies, Inc.

  /s/ Caroline S. Matthews                   By:  /s/ Larry C. Glasscock
---------------------------                       ------------------------------

                                             Name: Larry C. Glasscock

                                             Title: President and CEO<PAGE>

                                                               EXHIBIT 10.11(ii)

                                  AMENDMENT ONE
                                  -------------
                                       TO
                                       --
                              EMPLOYMENT AGREEMENT
                              --------------------

     This AMENDMENT ONE TO EMPLOYMENT AGREEMENT by and between Anthem Insurance
Companies, Inc., an Indiana insurance company (the "Company") and John Murphy
(the "Executive") hereby amends the EMPLOYMENT AGREEMENT (the "Agreement")
between the parties dated as of the 6/th/ day of September, 2000, as follows:

1.   Effective January 1, 2002, Section 2 of the Agreement is hereby amended by
     deleting the termination date and inserting in place thereof the 31/st/ day
     of December, 2003.

2.   All other provisions of the Agreement shall remain in full force and
     effect.

IN WITNESS WHEREOF, the Company and the Executive have duly executed this
AMENDMENT ONE TO EMPLOYMENT AGREEMENT effective as of the day and year first
above written.

John Murphy                                 Anthem Insurance Companies, Inc.

 /s/ John Murphy                            By:  /s/ Larry C. Glasscock
------------------------------------            --------------------------------

                                            Name: Larry C. Glasscock

                                            Title: President and CEO<PAGE>

                                                              EXHIBIT 10.12(iii)

                                  AMENDMENT TWO
                                  -------------
                                       TO
                                       --
                              EMPLOYMENT AGREEMENT
                              --------------------

     This AMENDMENT TWO TO EMPLOYMENT AGREEMENT by and between Anthem Insurance
Companies, Inc., an Indiana insurance company (the "Company") and Jane E.
Niederberger (the "Executive") hereby amends the EMPLOYMENT AGREEMENT (the
"Agreement") between the parties dated as of the 22/nd/ day of February, 1999,
as follows:

1.   Effective January 1, 2002, Section 2 of the Agreement is hereby amended by
     deleting the termination date and inserting in place thereof the 31/st/ day
     of December, 2003.

2.   All other provisions of the Agreement shall remain in full force and
     effect.

IN WITNESS WHEREOF, the Company and the Executive have duly executed this
AMENDMENT TWO TO EMPLOYMENT AGREEMENT effective as of the day and year first
above written.

Jane E. Niederberger                        Anthem Insurance Companies, Inc.

  /s/ Jane E. Niederberger                  By:   /s/ Larry C. Glasscock
------------------------------------             -----------------------------

                                            Name: Larry C. Glasscock

                                            Title: President and CEO

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