Document:

Prepared by R.R. Donnelley Financial -- Amended and Restated Investors' Rights Agreement

 Exhibit 10.6 
 THIRD AMENDED AND RESTATED 
 INVESTORS’ RIGHTS AGREEMENT 
 May 23, 2005 

 TABLE OF CONTENTS 
  

			
	 	  	Page
	 1. Registration Rights
	  	2
	 1.1 Definitions
	  	2
	 1.2 Request for Registration
	  	3
	 1.3 Company Registration
	  	4
	 1.4 Form S-3 Registration
	  	5
	 1.5 Shelf Registration
	  	6
	 1.6 Obligations of the Company
	  	8
	 1.7 Information from Holder
	  	9
	 1.8 Expenses of Registration
	  	10
	 1.9 Delay of Registration
	  	10
	 1.10 Indemnification
	  	10
	 1.11 Reports Under Securities Exchange Act of 1934
	  	12
	 1.12 Assignment of Registration Rights
	  	13
	 1.13 Limitations on Subsequent Registration Rights
	  	13
	 1.14 Market Stand-Off Agreement
	  	13
	 1.15 Termination of Registration Rights
	  	14
		
	 2. Covenants of the Company
	  	14
	 2.1 Delivery of Financial Statements
	  	14
	 2.2 Inspection
	  	15
	 2.3 Termination of Information and Inspection Covenants
	  	15
	 2.4 Right of First Offer
	  	15
	 2.5 Termination of Certain Covenants
	  	17
	 2.6 Assignment of Company’s Right of First Refusal
	  	17
	 2.7 Standstill Agreement
	  	17
		
	 3. Miscellaneous
	  	17
	 3.1 Successors and Assigns
	  	17
	 3.2 Governing Law
	  	17
	 3.3 Counterparts
	  	18
	 3.4 Titles and Subtitles
	  	18
	 3.5 Notices
	  	18
	 3.6 Expenses
	  	18
	 3.7 Entire Agreement; Amendments and Waivers
	  	18
	 3.8 Severability
	  	18
	 3.9 Aggregation of Stock
	  	18
	 3.10 Prior Agreement
	  	18
	 3.11 Specific Performance
	  	18

  

 i 

 THIRD AMENDED AND RESTATED INVESTORS’ RIGHTS AGREEMENT 
 THIS THIRD AMENDED AND RESTATED INVESTORS’ RIGHTS AGREEMENT (“Agreement”) is made as of the 23rd day of May, 2005, by and among
eHealthInsurance Services, Inc., a Delaware corporation (“EHIS”), eHealth, Inc., a Delaware corporation (the “Company”), and the investors listed on Schedule A hereto, each of which is herein referred to as an
“Investor.” 
 RECITALS 
 WHEREAS, certain of the Investors hold (i) shares of EHIS Common Stock and/or securities exercisable therefor (the “EHIS Common Stock”), (ii) shares of EHIS Series A Preferred Stock and/or shares of Common Stock issued
upon the conversion thereof (the “EHIS Series A Stock”), (iii) shares of EHIS Series B Preferred Stock and/or shares of Common Stock issued upon the conversion thereof (the “EHIS Series B Stock”) and (iv) shares of the
EHIS Series C Preferred Stock and/or shares of Common Stock issued upon the conversion thereof (the “EHIS Series C Stock”), and possess registration rights, information rights, rights of first offer and other rights granted pursuant to the
terms of that certain Second Amended and Restated Investors’ Rights Agreement dated December 29, 2000, by and among EHIS and the investors listed on the Schedule of Investors attached thereto; 
 WHEREAS, pursuant to the terms of the Agreement and Plan of Merger dated as of May 17, 2005, by and among EHIS, the Company and eHealth Merger
Corp., a wholly-owned subsidiary of the Company (“Merger Sub”), Merger Sub will be merged with and into EHIS and EHIS will become a wholly-owned subsidiary of the Company (the “Merger”); 
 WHEREAS, pursuant to the Merger, each share of EHIS Common Stock, EHIS Class A Nonvoting Common Stock, EHIS Series A Stock, EHIS Series B Stock and
EHIS Series C Stock will be converted into one share of Company Common Stock (the “Common Stock”), Company Class A Nonvoting Common Stock (the “Class A Common Stock”), Company Series A Preferred Stock (the “Series
A Stock”), Company Series B Preferred Stock (the “Series B Stock”) and Company Series C Preferred Stock (the “Series C Stock”), respectively, and EHIS will assign and the Company will assume all the rights and obligations of
EHIS under the Prior Agreement; 
 WHEREAS, pursuant to the terms of the Prior Agreement, (i) EHIS and the holders of two-thirds of then
outstanding Registrable Securities (as such term is defined in the Prior Agreement) may amend the Prior Agreement and (ii) EHIS may assign its rights and obligations under the Prior Agreement with the consent of no less than a majority of the
holders in interest of shares of EHIS Series C Stock (the “Assignment”); 
 WHEREAS, in connection with the Merger, the Company,
EHIS and a majority of the holders in interest of shares of EHIS Series C Stock desire to effect the Assignment, and EHIS, the Company and the Investors desire to enter into this Agreement and to amend the Prior Agreement to reflect such Assignment;
and 

 WHEREAS, EHIS, the Company and the undersigned Investors hereby agree that this Agreement shall govern
the rights of the Investors to cause the Company to register shares of Common Stock issued or issuable to such persons, and certain other matters as set forth herein; 
 NOW, THEREFORE, THE PARTIES HEREBY AGREE AS FOLLOWS: 
 1. Registration Rights. The Company covenants
and agrees as follows: 
 1.1 Definitions. For purposes of this Section 1: 
 (a) The term “Act” means the Securities Act of 1933, as amended. 
 (b) The term “Form S-3” means such form under the Act as in effect on the date hereof or any registration form under the Act subsequently
adopted by the SEC that permits inclusion or incorporation of substantial information by reference to other documents filed by the Company with the SEC. 
 (c) The term “Holder” means any person owning or having the right to acquire Registrable Securities or any assignee thereof in accordance with Section 1.12 hereof. 
 (d) The term “Initial Offering” means the Company’s first firm commitment underwritten public offering of its Common Stock under the Act.

 (e) The term “1934 Act” means the Securities Exchange Act of 1934, as amended. 
 (f) The term “register,” “registered,” and “registration” refer to a registration effected by preparing and filing a
registration statement or similar document in compliance with the Act, and the declaration or ordering of effectiveness of such registration statement or document. 
 (g) The term “Registrable Securities” means (i) the Common Stock issuable or issued upon conversion of the Series A Stock, Series B Stock or Series C Stock and (ii) any Common Stock of the
Company issued as (or issuable upon the conversion or exercise of any warrant, right or other security that is issued as) a dividend or other distribution with respect to, or in exchange for, or in replacement of, the shares referenced in
(i) above, excluding in all cases, however, any Registrable Securities sold by a person in a transaction in which his rights under this Section 1 are not assigned. 
 (h) The number of shares of “Registrable Securities” outstanding shall be determined by the number of shares of Common Stock outstanding that
are, and the number of shares of Common Stock issuable pursuant to then exercisable or convertible securities that are, Registrable Securities. 
 (i) The term “SEC” shall mean the Securities and Exchange Commission. 
  

 2 

 (j) The term “Series C Shares” means (i) the Common Stock issuable or issued upon
conversion of the Series C Stock and (ii) any Common Stock of the Company issued as (or issuable upon the conversion or exercise of any warrant, right or other security that is issued as) a dividend or other distribution with respect to, or in
exchange for, or in replacement of, the shares referenced in (i) above, excluding in all cases, however, any Series C Shares sold by a person in a transaction in which his rights under this Section 1 are not assigned. 
 1.2 Request for Registration. 
 (a)
Subject to the conditions of this Section 1.2, if at any time after the earlier of (i) April 16, 2004 or (ii) 180 days after the effective date of the Initial Offering, the Company shall receive a written request from the Holders of
thirty-five percent (35%) or more of the Registrable Securities then outstanding (the “Initiating Holders”) that the Company file a registration statement under the Act covering the registration of Registrable Securities with an
anticipated aggregate offering price of at least $7,500,000, then the Company shall, within twenty (20) days of the receipt thereof, give written notice of such request to all Holders, and subject to the limitations of this Section 1.2,
use all reasonable efforts to effect, as soon as practicable, the registration under the Act of all Registrable Securities that the Holders request to be registered in a written request received by the Company within twenty (20) days of the
mailing of the Company’s notice pursuant to this Section 1.2(a). 
 (b) If the Initiating Holders intend to distribute the
Registrable Securities covered by their request by means of an underwriting, they shall so advise the Company as a part of their request made pursuant to this Section 1.2 and the Company shall include such information in the written notice
referred to in Section 1.2(a). In such event, the right of any Holder to include its Registrable Securities in such registration shall be conditioned upon such Holder’s participation in such underwriting and the inclusion of such
Holder’s Registrable Securities in the underwriting (unless otherwise mutually agreed by a majority in interest of the Initiating Holders and such Holder) to the extent provided herein. All Holders proposing to distribute their securities
through such underwriting shall enter into an underwriting agreement in customary form with the underwriter or underwriters selected for such underwriting by the Company (which underwriter or underwriters shall be reasonably acceptable to a majority
in interest of the Initiating Holders). Notwithstanding any other provision of this Section 1.2, if the underwriter advises the Company that marketing factors require a limitation of the number of securities underwritten (including Registrable
Securities), then the Company shall so advise all Holders of Registrable Securities that would otherwise be underwritten pursuant hereto, and the number of shares that may be included in the underwriting shall be allocated to the Holders of such
Registrable Securities on a pro rata basis based on the number of Registrable Securities held by all such Holders (including the Initiating Holders). Any Registrable Securities excluded or withdrawn from such underwriting shall be withdrawn from the
registration. 
 (c) The Company shall not be required to effect a registration pursuant to this Section 1.2: 
 (i) in any particular jurisdiction in which the Company would be required to execute a general consent to service of process in effecting such
registration, unless the Company is already subject to service in such jurisdiction and except as may be required under the Act; or 
  

 3 

 (ii) after the Company has effected two (2) registrations pursuant to this Section 1.2, and
such registrations have been declared or ordered effective; or 
 (iii) during the period starting with the date sixty (60) days prior
to the Company’s good faith estimate of the date of the filing of, and ending on a date one hundred twenty (120) days following the effective date of, a Company-initiated registration subject to Section 1.3 below, provided that the
Company is actively employing in good faith all reasonable efforts to cause such registration statement to become effective; or 
 (iv) if
the Initiating Holders propose to dispose of Registrable Securities that may be registered on Form S-3 pursuant to Section 1.4 hereof; or 
 (v) if the Company shall furnish to Holders requesting a registration statement pursuant to this Section 1.2, a certificate signed by the Company’s Chief Executive Officer or Chairman of the Board stating
that in the good faith judgment of the Board of Directors of the Company, it would be seriously detrimental to the Company and its shareholders for such registration statement to be effected at such time, in which event the Company shall have the
right to defer such filing for a period of not more than one hundred twenty (120) days after receipt of the request of the Initiating Holders, provided that such right to delay a request shall be exercised by the Company not more than once in
any twelve (12)-month period. 
 1.3 Company Registration. 
 (a) If (but without any obligation to do so) the Company proposes to register (including for this purpose a registration effected by the Company for
shareholders other than the Holders) any of its stock or other securities under the Act in connection with the public offering of such securities (other than a registration relating solely to the sale of securities to participants in a Company stock
plan, a registration relating to a corporate reorganization or other transaction under Rule 145 of the Act, a registration on any form that does not include substantially the same information as would be required to be included in a
registration statement covering the sale of the Registrable Securities, or a registration in which the only Common Stock being registered is Common Stock issuable upon conversion of debt securities that are also being registered), the Company shall,
at such time, promptly give each Holder written notice of such registration. Upon the written request of each Holder given within twenty (20) days after mailing of such notice by the Company in accordance with Section 3.5, the Company
shall, subject to the provisions of Section 1.3(c), use all reasonable efforts to cause to be registered under the Act all of the Registrable Securities that each such Holder has requested to be registered. 
 (b) Right to Terminate Registration. The Company shall have the right to terminate or withdraw any registration initiated by it under this
Section 1.3 prior to the effectiveness of such registration whether or not any Holder has elected to include securities in such registration. The expenses of such withdrawn registration shall be borne by the Company in accordance with
Section 1.7 hereof. 
  

 4 

 (c) Underwriting Requirements. In connection with any offering involving an underwriting of
shares of the Company’s capital stock, the Company shall not be required under this Section 1.3 to include any of the Holders’ securities in such underwriting unless they accept the terms of the underwriting as agreed upon between the
Company and the underwriters selected by it (or by other persons entitled to select the underwriters) and enter into an underwriting agreement in customary form with an underwriter or underwriters selected by the Company, and then only in such
quantity as the underwriters determine in their sole discretion will not jeopardize the success of the offering by the Company. If the total amount of securities, including Registrable Securities, requested by stockholders to be included in such
offering exceeds the amount of securities sold other than by the Company that the underwriters determine in their sole discretion is compatible with the success of the offering, then the Company shall be required to include in the offering only that
number of such securities, including Registrable Securities, that the underwriters determine in their sole discretion will not jeopardize the success of the offering (the securities so included to be apportioned pro rata among the selling Holders
according to the total amount of securities entitled to be included therein owned by each selling Holder or in such other proportions as shall mutually be agreed to by such selling Holders), but in no event shall (i) the number of shares of
Registrable Securities to be included in such underwriting (excluding shares held by the Founder, as such term is defined in that certain Third Amended and Restated Right of First Refusal and Co-Sale Agreement of even date herewith among the Company
and the signatories thereto) be reduced unless the shares held by such Founder, or any other stockholder other than a Holder, are first entirely excluded from such underwriting, (ii) the amount of securities of the selling Holders included in
the offering be reduced below twenty percent (20%) of the total amount of securities included in such offering, unless such offering is the initial public offering of the Company’s securities, in which case the selling Holders may be
excluded if the underwriters make the determination described above and no other stockholder’s securities are included, or (iii) notwithstanding (i) above, any shares being sold by a stockholder exercising a demand registration right
similar to that granted in Section 1.2 be excluded from such offering. For purposes of the preceding parenthetical concerning apportionment, for any selling stockholder that is a Holder of Registrable Securities and that is a partnership or
corporation, the partners, retired partners and stockholders of such Holder, or the estates and family members of any such partners and retired partners and any trusts for the benefit of any of the foregoing persons shall be deemed to be a single
“selling Holder,” and any pro rata reduction with respect to such “selling Holder” shall be based upon the aggregate amount of Registrable Securities owned by all such related entities and individuals. 
 1.4 Form S-3 Registration. In case the Company shall receive from the Holders of at least five hundred thousand (500,000) shares (as
adjusted for any stock splits, stock dividends, recapitalizations or the like) of the Registrable Securities a written request or requests that the Company effect a registration on Form S-3 and any related qualification or compliance with
respect to all or a part of the Registrable Securities owned by such Holder or Holders, the Company shall: 
 (a) promptly give written
notice of the proposed registration, and any related qualification or compliance, to all other Holders; and 
  

 5 

 (b) use all reasonable efforts to effect, as soon as practicable, such registration and all such
qualifications and compliances as may be so requested and as would permit or facilitate the sale and distribution of all or such portion of such Holders’ Registrable Securities as are specified in such request, together with all or such portion
of the Registrable Securities of any other Holders joining in such request as are specified in a written request given within fifteen (15) days after receipt of such written notice from the Company, provided, however, that the Company shall not
be obligated to effect any such registration, qualification or compliance, pursuant to this section 1.4: 
 (i) if Form S-3 is not
available for such offering by the Holders; 
 (ii) if the Holders, together with the holders of any other securities of the Company
entitled to inclusion in such registration, propose to sell Registrable Securities and such other securities (if any) at an aggregate price to the public (net of any underwriters’ discounts or commissions) of less than $2,000,000; 

(iii) if the Company shall furnish to the Holders a certificate signed by the Chief Executive Officer or Chairman of the Board of the Company stating
that in the good faith judgment of the Board of Directors of the Company, it would be seriously detrimental to the Company and its stockholders for such Form S-3 Registration to be effected at such time, in which event the Company shall have
the right to defer the filing of the Form S-3 registration statement for a period of not more than one hundred twenty (120) days after receipt of the request of the Holder or Holders under this Section 1.4; provided, however, that the
Company shall not utilize this right more than once in any twelve month period; 
 (iv) if the Company has, within the twelve
(12) month period preceding the date of such request, already effected two registrations on Form S-3 for the Holders pursuant to this Section 1.4; or 
 (v) in any particular jurisdiction in which the Company would be required to qualify to do business or to execute a general consent to service of process in effecting such registration, qualification or compliance
unless the Company is already subject to service in such jurisdiction and except as may be required under the Act. 
 (c) Subject to the
foregoing, the Company shall file a registration statement covering the Registrable Securities and other securities so requested to be registered as soon as practicable after receipt of the request or requests of the Holders. Registrations effected
pursuant to this Section 1.4 shall not be counted as requests for registration effected pursuant to Section 1.2. 
 1.5 Shelf
Registration. 
 (a) In case the Company shall conduct an Initial Offering within six (6) months of the date of this Agreement, the
Company shall use its commercially 
  

 6 

 reasonable efforts to cause to be declared effective, no later than one hundred eighty (180) days after the closing
date of the Initial Offering, a registration statement with the SEC (the “Shelf Registration”) pursuant to Rule 415 of the Securities Act for an offering of the shares of Common Stock issued upon conversion of the Series C Shares (the
“Shelf Registration Shares”) and, at the Company’s sole discretion, permitting sales in the ordinary course brokerage or dealer transactions not involving any underwritten public offering; provided, however, that if a “lock
up” or “black out” period is imposed on the Company pursuant to or in connection with any underwriting or purchase agreement, then the Company shall not be required to file such Shelf Registration until the end of such “lock
up” or “black out” period; provided, further, that if the Company shall furnish to the Holders a certificate signed by the Chief Executive Officer or Chairman of the Board of the Company stating that in the good faith judgment of the
Board of Directors of the Company that it would be seriously detrimental to the Company and its stockholders for such Shelf Registration to be effected at such time, the Company shall have the right to defer the filing of the Shelf Registration
statement for a period of not more than thirty (30) days. The Company may only defer this right only once in every six (6) month period. 
 (b) In furtherance of the foregoing, the Company shall (i) notify the holders of the Shelf Registration Shares when a Shelf Registration is being prepared, (ii) prepare and file with the SEC a registration statement with respect
to such Shelf Registration Shares and (iii) notwithstanding any other provision in this Agreement, keep such registration statement effective, subject to the provisions of subsection 1.6(a) hereof, until the earlier of (i) all Shelf
Registration Shares held by any such holder are sold, and (ii) all Shelf Registration Shares held by any such holder are salable in any three (3)-month period pursuant to Rule 144 under the Act. Within ten (10) days after receipt by any
holder of Shelf Registration Shares of such notice from the Company, such holder may request in writing that such holder’s Shelf Registration Shares be included in such Shelf Registration and the Company shall include in the Shelf Registration
the Shelf Registration Shares of any such holder requested to be so included (the “Included Shares”). Each such request by such other holders of Shelf Registration Shares shall specify the number of Included Shares proposed to be sold and
the intended method of disposition thereof. 
 (c) The Company will notify the holders of Shelf Registration Shares promptly of (i) the
issuance of any stop order suspending the effectiveness of the Shelf Registration or the institution or threatening of any proceeding for such purpose or (ii) the receipt by the Company of any notification with respect to the suspension of the
qualification of the Shelf Registration Shares for sale in any jurisdiction or the initiation or threatening of any proceeding for such purpose. Immediately upon receipt of any such notice, the holders of Shelf Registration Shares shall cease to
offer and sell any Shelf Registration Shares pursuant to the Shelf Registration in the jurisdiction to which such stop order or suspension relates. 
 (d) The Company will notify the holders of Shelf Registration Shares promptly of the occurrence of any event or the existence of any state of facts that, in the judgment of the Company, should be set forth in the
prospectus used in connection with the shelf Registration (the “Prospectus”). Immediately upon receipt of such notice, the holders of Shelf Registration Shares shall cease to offer or sell any Shelf Registration Shares pursuant to such
Prospectus, cease to deliver or use such Prospectus and, if so requested by the Company, return to the Company, at its expense, all copies (other than permanent file copies) of such Prospectus. 
  

 7 

 The Company will, as soon as the information becomes available in a form such that it may be included in an amendment or
supplement to the Prospectus, use its reasonable efforts to amend or supplement such Prospectus in order to set forth or reflect such event or state of facts; it being understood that in the event the Company determines in good faith
that the disclosure of such information would be seriously detrimental to the Company or its shareholders, the Company shall be permitted to delay the filing of such an amendment or supplement to the Prospectus. The Company will furnish copies of
such amendment or supplement to the Prospectus to the holders of Shelf Registration Shares. 
 (e) Each holder of Shelf Registration Shares
agrees, if and for so long as such holder is affiliated with a member of the Company’s Board of Directors, to comply with the Company’s policy concerning the purchase and sale of securities of the Company. 
 1.6 Obligations of the Company. Whenever required under this Section 1 to effect the registration of any Registrable Securities, the Company
shall, as expeditiously as reasonably possible: 
 (a) prepare and file with the SEC a registration statement with respect to such
Registrable Securities and use all reasonable efforts to cause such registration statement to become effective, and, upon the request of the Holders of a majority of the Registrable Securities registered thereunder, keep such registration statement
effective for a period of up to one hundred twenty (120) days or, if earlier, until the distribution contemplated in the Registration Statement has been completed; provided, however, that (i) such 120-day period shall be extended for a
period of time equal to the period the Holder refrains from selling any securities included in such registration at the request of an underwriter of Common Stock (or other securities) of the Company; and (ii) in the case of any registration of
Registrable Securities on Form S-3 which are intended to be offered on a continuous or delayed basis, such 120-day period shall be extended, if necessary, to keep the registration statement effective until all such Registrable Securities are
sold, provided that Rule 415, or any successor rule under the Act, permits an offering on a continuous or delayed basis, and provided further that applicable rules under the Act governing the obligation to file a post-effective amendment
permit, in lieu of filing a post-effective amendment which (I) includes any prospectus required by Section 10(a)(3) of the Act or (II) reflects facts or events representing a material or fundamental change in the information set forth
in the registration statement, the incorporation by reference of information required to be included in (I) and (II) above to be contained in periodic reports filed pursuant to Section 13 or 15(d) of the 1934 Act in the registration
statement; 
 (b) prepare and file with the SEC such amendments and supplements to such registration statement and the prospectus used in
connection with such registration statement as may be necessary to comply with the provisions of the Act with respect to the disposition of all securities covered by such registration statement; 
 (c) furnish to the Holders such numbers of copies of a prospectus, including a preliminary prospectus, in conformity with the requirements of the Act,
and such other documents as they may reasonably request in order to facilitate the disposition of Registrable Securities owned by them; 
  

 8 

 (d) use all reasonable efforts to register and qualify the securities covered by such registration
statement under such other securities or Blue Sky laws of such jurisdictions as shall be reasonably requested by the Holders, provided that the Company shall not be required in connection therewith or as a condition thereto to qualify to do business
or to file a general consent to service of process in any such states or jurisdictions; 
 (e) in the event of any underwritten public
offering, enter into and perform its obligations under an underwriting agreement, in usual and customary form, with the managing underwriter of such offering; 
 (f) notify each Holder of Registrable Securities covered by such registration statement at any time when a prospectus relating thereto is required to be delivered under the Act or 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; 
 (g) cause all such Registrable Securities registered pursuant hereunder
to be listed on each securities exchange on which similar securities issued by the Company are then listed; 
 (h) provide a transfer agent
and registrar for all Registrable Securities registered pursuant hereunder and a CUSIP number for all such Registrable Securities, in each case not later than the effective date of such registration; and 
 (i) Use its commercially reasonable efforts to furnish, at the request of any Holder requesting registration of Registrable Securities pursuant to this
Section 1, on the date that such Registrable Securities are delivered to the underwriters for sale in connection with a registration pursuant to this Section 1, if such securities are being sold through underwriters, or, if such securities
are not being sold through underwriters, on the date that the registration statement with respect to such securities becomes effective, (i) an opinion, dated such date, of the counsel representing the Company for the purposes of such
registration, in form and substance as is customarily given to underwriters in an underwritten public offering, addressed to the underwriters, if any, and to the Holders requesting registration of Registrable Securities, and (ii) a letter dated
such date, from the independent certified public accountants of the Company, in form and substance as is customarily given by independent certified public accountants to underwriters in an underwritten public offering, addressed to the underwriters,
if any, and to the Holders requesting registration of Registrable Securities. 
 1.7 Information from Holder. It shall be a condition
precedent to the obligations of the Company to take any action pursuant to this Section 1 with respect to the Registrable Securities of any selling Holder that such Holder shall furnish to the Company such information regarding itself, the
Registrable Securities held by it, and the intended method of disposition of such securities as shall be required to effect the registration of such Holder’s Registrable Securities. 
  

 9 

 1.8 Expenses of Registration. All expenses other than underwriting discounts and commissions
incurred in connection with registrations, filings or qualifications pursuant to Sections 1.2, 1.3, 1.4 and 1.5 including (without limitation) all registration, filing and qualification fees, printers’ and accounting fees, fees and
disbursements of counsel for the Company and the reasonable fees and disbursements of one counsel for the selling Holders shall be borne by the Company. Notwithstanding the foregoing, the Company shall not be required to pay for any expenses of any
registration proceeding begun pursuant to Section 1.2, Section 1.4 or Section 1.5 if the registration request is subsequently withdrawn at the request of the Holders of a majority of the Registrable Securities to be registered (in
which case all participating Holders shall bear such expenses pro rata based upon the number of Registrable Securities that were to be requested in the withdrawn registration), provided, however, that if at the time of such withdrawal, the Holders
have learned of a material adverse change in the condition, business, or prospects of the Company from that known to the Holders at the time of their request and have withdrawn the request with reasonable promptness following disclosure by the
Company of such material adverse change, then the Holders shall not be required to pay any of such expenses and shall retain their rights pursuant to Section 1.2, 1.4 or 1.5. 
 1.9 Delay of Registration. No Holder shall have any right to obtain or seek an injunction restraining or otherwise delaying any such registration
as the result of any controversy that might arise with respect to the interpretation or implementation of this Section 1. 
 1.10
Indemnification. In the event any Registrable Securities are included in a registration statement under this Section 1: 
 (a) To
the extent permitted by law, the Company will indemnify and hold harmless each Holder, the partners or officers, directors and shareholders of each Holder, legal counsel and accountants for each Holder, any underwriter (as defined in the Act) for
such Holder and each person, if any, who controls such Holder or underwriter within the meaning of the Act or the 1934 Act, against any losses, claims, damages or liabilities (joint or several) to which they may become subject under the Act, the
1934 Act or any state securities laws, 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 not misleading, or (iii) any violation or alleged violation by the
Company of the Act, the 1934 Act, any state securities laws or any rule or regulation promulgated under the Act, the 1934 Act or any state securities laws; and the Company will reimburse each such Holder, underwriter or controlling person for any
legal or other expenses reasonably incurred by them in connection with investigating or defending any such loss, claim, damage, liability or action; provided, however, that the indemnity agreement contained in this subsection l.10(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 the Company (which consent shall not be unreasonably withheld), nor shall the Company 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 
  

 10 

 reliance upon and in conformity with written information furnished expressly for use in connection with such registration
by any such Holder, underwriter or controlling person; provided further, however, that the foregoing indemnity agreement with respect to any preliminary prospectus shall not inure to the benefit of any Holder or underwriter, or any person
controlling such Holder or underwriter, from whom the person asserting any such losses, claims, damages or liabilities purchased shares in the offering, if a copy of the prospectus (as then amended or supplemented if the Company shall have furnished
any amendments or supplements thereto) was not sent or given by or on behalf of such Holder or underwriter to such person, if required by law so to have been delivered, at or prior to the written confirmation of the sale of the shares to such
person, and if the prospectus (as so amended or supplemented) would have cured the defect giving rise to such loss, claim, damage or liability. 
 (b) To the extent permitted by law, each selling Holder will indemnify and hold harmless the Company, each of its directors, each of its officers who has signed the registration statement, each person, if any, who controls the Company
within the meaning of the Act, legal counsel and accountants for the Company, 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 Act, the 1934 Act or any state securities laws, 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 such Holder expressly for use in
connection with such registration; provided, however, that the indemnity agreement contained in this subsection l.10(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 the Holder (which consent shall not be unreasonably withheld), provided that in no event shall any indemnity under this subsection l.10(b) exceed the net proceeds from the offering received by such Holder.

 (c) Promptly after receipt by an indemnified party under this Section 1.10 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 Section 1.10, 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 prejudicial to its ability to defend such action, shall relieve such
indemnifying party of any liability to the indemnified party under this Section 1.10, 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 Section 1.10. 
  

 11 

 (d) If the indemnification provided for in this Section 1.10 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 herein, 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 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; provided, however, that in no event shall any contribution by a
Holder under this Subsection 1.10(d) exceed the net proceeds from the offering received by such Holder. 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) Notwithstanding the foregoing, to the extent that the
provisions on indemnification and contribution contained in the underwriting agreement entered into in connection with the underwritten public offering are in conflict with the foregoing provisions, the provisions in the underwriting agreement shall
control. 
 (f) The obligations of the Company and Holders under this Section 1.10 shall survive the completion of any offering of
Registrable Securities in a registration statement under this Section 1, and otherwise. 
 1.11 Reports Under Securities Exchange
Act of 1934. With a view to making available to the Holders the benefits of Rule 144 promulgated under the Act and any other rule or regulation of the SEC that may at any time permit a Holder to sell securities of the Company to the public
without registration or pursuant to a registration on Form S-3, the Company agrees to: 
 (a) make and keep public information available, as
those terms are understood and defined in SEC Rule 144, at all times after ninety (90) days after the effective date of the Initial Offering; 
 (b) file with the SEC in a timely manner all reports and other documents required of the Company under the Act and the 1934 Act; and 
 (c) furnish to any Holder, so long as the Holder owns any Registrable Securities, forthwith upon request (i) a written statement by the Company that it has complied with the reporting requirements of SEC
Rule 144 (at any time after ninety (90) days after the effective date of the first registration statement filed by the Company), the Act and the 1934 Act (at any time after it has become subject to such reporting requirements), or that it
qualifies as a registrant whose securities may be resold pursuant to Form S-3 (at any time after it so qualifies), (ii) a copy of the most recent annual or quarterly report of the Company and such other reports and documents so filed by
the Company, and (iii) such other information as may be reasonably requested in availing any Holder of any rule or regulation of the SEC that permits the selling of any such securities without registration or pursuant to such form. 

 

 12 

 1.12 Assignment of Registration Rights. The rights to cause the Company to register Registrable
Securities pursuant to this Section 1 may be assigned (but only with all related obligations) by a Holder to a transferee or assignee of such securities that (i) is a subsidiary, parent, partner, limited partner, retired partner or
shareholder of a Holder, (ii) is a Holder’s family member or trust for the benefit of an individual Holder or family member, or (iii) after such assignment or transfer, holds at least 1,000,000 shares of Registrable Securities
(subject to appropriate adjustment for stock splits, stock dividends, combinations and other recapitalizations), provided: (a) the Company is, within a reasonable time after such transfer, furnished with written notice of the name and address
of such transferee or assignee and the securities with respect to which such registration rights are being assigned; (b) such transferee or assignee agrees in writing to be bound by and subject to the terms and conditions of this Agreement,
including without limitation the provisions of Section 1.14 below; and (c) such assignment shall be effective only if immediately following such transfer the further disposition of such securities by the transferee or assignee is
restricted under the Act. 
 1.13 Limitations on Subsequent Registration Rights. From and after the date of this Agreement, the
Company shall not, without the prior written consent of the Holders of a majority of the Registrable Securities, enter into any agreement with any holder or prospective holder of any securities of the Company that would allow such holder or
prospective holder (a) to include such securities in any registration as to which Holders of Registrable Securities have demand or piggyback registration rights pursuant to this Agreement on a basis that is preferential to, or on parity with,
the right of Holders to include Registrable Securities in such registration statement filed under Section 1.3 hereof, 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 such securities will not reduce the amount of the Registrable Securities of the Holders that are included or otherwise adversely affect the registration rights of the Holder’s pursuant to
this Agreement or (b) to demand registration of their securities. 
 1.14 “Market Stand-Off” Agreement. Each Holder
hereby agrees that it will not, without the prior written consent of the managing underwriter, during the period commencing on the date of the final prospectus relating to the Company’s initial public offering and ending on the date specified
by the Company and the managing underwriter (such period not to exceed one hundred eighty (l80) days) (i) lend, offer, pledge, sell, contract to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any
option, right or warrant to purchase, or otherwise transfer or dispose of, directly or indirectly, any shares of Common Stock or any securities convertible into or exercisable or exchangeable for Common Stock (whether such shares or any such
securities are then owned by the Holder or are thereafter acquired), or (ii) enter into any swap or other arrangement that transfers to another, in whole or in part, any of the economic consequences of ownership of the Common Stock, whether any
such transaction described in clause (i) or (ii) above is to be settled by delivery of Common Stock or such other securities, in cash or otherwise. The foregoing provisions of this Section 1.14 shall not apply to the sale of any
shares to an underwriter pursuant to an underwriting agreement, and shall only be applicable to the Holders if all officers and directors 
  

 13 

 and greater than five percent (5%) shareholders of the Company enter into similar agreements. The underwriters in
connection with the Company’s initial public offering are intended third party beneficiaries of this Section 1.14 and shall have the right, power and authority to enforce the provisions hereof as though they were a party hereto.

 In order to enforce the foregoing covenant, the Company may impose stop-transfer instructions with respect to the Registrable Securities
of each Holder (and the shares or securities of every other person subject to the foregoing restriction) until the end of such period. 
 Notwithstanding anything herein to the contrary, this paragraph shall not be deemed to restrict Goldman, Sachs & Co. and its affiliates from engaging in any brokerage, investment advisory, financial advisory, anti-raid advisory,
merger advisory, financing, asset management, trading, market making, arbitrage and other similar activities conducted in the ordinary course of its or its affiliates’ business; provided, however, that such activities shall not include any
shares purchased pursuant to the Series B Preferred Stock Purchase Agreement, dated November 23, 1999, among the Company and the Schedule of Investors attached thereto or any shares purchased pursuant to the Series C Preferred Stock Purchase
Agreement, dated December 29, 2000, among the Company and the Schedule of Investors attached thereto. 
 1.15 Termination of
Registration Rights. No Holder shall be entitled to exercise any right provided for in this Section 1 after five (5) years following the consummation of the Initial Offering or, as to any Holder, such earlier time at which all
Registrable Securities held by such Holder (and any affiliate of the Holder with whom such Holder must aggregate its sales under Rule 144) can be sold in any three (3)-month period without registration in compliance with Rule 144 of
the Act. 
 2. Covenants of the Company. 
 2.1 Delivery of Financial Statements. The Company shall deliver to each Investor who holds at least 250,000 shares (as adjusted for stock splits, stock dividends, combinations and other recapitalizations) of
Registrable Securities, each a (“Major Investor”); 
 (a) as soon as practicable, but in any event within ninety (90) days
after the end of each fiscal year of the Company, an income statement for such fiscal year, a balance sheet of the Company and statement of shareholder’s equity as of the end of such year, and a statement of cash flows for such year, such
year-end financial reports to be in reasonable detail, prepared in accordance with generally accepted accounting principles (“GAAP”), and audited and certified by independent public accountants of nationally recognized standing selected by
the Company; 
 (b) as soon as practicable, but in any event within forty-five (45) days after the end of each of the first three
(3) quarters of each fiscal year of the Company, an unaudited income statement, statement of cash flows for such fiscal quarter and an unaudited balance sheet as of the end of such fiscal quarter. 
  

 14 

 (c) within thirty (30) days of the end of each month, an unaudited income statement and statement
of cash flows and balance sheet for and as of the end of such month, in reasonable detail; 
 (d) as soon as practicable, but in any event
at least thirty (30) days prior to the end of each fiscal year, a budget and business plan for the next fiscal year, prepared on a monthly basis, including balance sheets, income statements and statements of cash flows for such months and, as
soon as prepared, any other budgets or revised budgets prepared by the Company; 
 (e) with respect to the financial statements called for
in subsections (b) and (c) of this Section 2.1, an instrument executed by the Chief Financial Officer or President of the Company certifying that such financials were prepared in accordance with GAAP consistently applied with prior
practice for earlier periods (with the exception of footnotes that may be required by GAAP) and fairly present the financial condition of the Company and its results of operation for the period specified, subject to year-end audit adjustment; and

 (f) such other information relating to the financial condition, business, prospects or corporate affairs of the Company as the Investor
or any assignee of the Investor may from time to time request, provided, however, that the Company shall not be obligated under this subsection (f) or any other subsection of Section 2.1 to provide information that it deems in good faith
to be a trade secret or similar confidential information. 
 2.2 Inspection. The Company shall permit each Major Investor, at such
Investor’s expense, to visit and inspect the Company’s properties, to examine its books of account and records and to discuss the Company’s affairs, finances and accounts with its officers, all at such reasonable times as may be
requested by the Investor; provided, however, that the Company shall not be obligated pursuant to this Section 2.2 to provide access to any information that it reasonably considers to be a trade secret or similar confidential information.

 2.3 Termination of Information and Inspection Covenants. The covenants set forth in Sections 2.1 and 2.2 shall terminate as
to Investors and be of no further force or effect when the sale of securities pursuant to a registration statement filed by the Company under the Act in connection with the firm commitment underwritten offering of its securities to the general
public is consummated or when the Company first becomes subject to the periodic reporting requirements of Sections 12(g) or 15(d) of the 1934 Act, whichever event shall first occur. 
 2.4 Right of First Offer. Subject to the terms and conditions specified in this paragraph 2.4, the Company hereby grants to each Major
Investor a right of first offer with respect to future sales by the Company of its Shares (as hereinafter defined). For purposes of this Section 2.4, Investor includes any general partners and affiliates of an Investor. An Investor shall be
entitled to apportion the right of first offer hereby granted it among itself and its partners and affiliates in such proportions as it deems appropriate. 
  

 15 

 Each time the Company proposes to offer any shares of, or securities convertible into or exchangeable or
exercisable for any shares of, any class of its capital stock (“Shares”), the Company shall first make an offering of such Shares to each Major Investor in accordance with the following provisions. 
 (a) The Company shall deliver a notice to the Major Investors in accordance with Section 3.5 (“Notice”) not later than 20 days prior to
the date of issuance of such shares stating (i) its bona fide intention to offer such Shares, (ii) the number of such Shares to be offered, and (iii) the price and terms upon which it proposes to offer such Shares. 
 (b) By written notification received by the Company, within twenty (20) calendar days after receipt of the Notice, the Major Investor may elect to
purchase or obtain, at the price and on the terms specified in the Notice, up to that portion of such Shares that equals the proportion that the number of shares of Common Stock issued and held, or issuable upon conversion of the Series A
Stock, Series B Stock and Series C Stock then held, by such Major Investor bears to the total number of shares of Common Stock of the Company then outstanding (assuming full conversion and exercise of all convertible and exercisable securities)(the
“Pro Rata Share”); provided, however, that if the Company proposes to offer its Shares for an aggregate price in excess of thirty million dollars ($30,000,000), the Sprout Entities may elect to purchase, in the aggregate, up to that number
of shares equal to the sum of (A) its Pro Rata Share for those shares subject to the offer with an aggregate value of up to thirty million dollars ($30,000,000), and (B) twenty percent (20%) of the portion of such Shares that have an
aggregate value that exceeds thirty million dollars ($30,000,000). For purposes of this Section 2.4 (b), the “Sprout Entities” means the DLJ Capital Corp., Sprout Capital VIII, L.P. DLJ ESC II, L.P. Sprout Venture Capital, L.P.

 (c) If all Shares that Investors are entitled to obtain pursuant to subsection 2.4(b) are not elected to be obtained as provided in
subsection 2.4(b) hereof, the Company may, during the ninety (90) day period following the expiration of the period provided in subsection 2.4(b) hereof, offer the remaining unsubscribed portion of such Shares to any person or persons
at a price not less than, and upon terms no more favorable to the offeree than those specified in the Notice. If the Company does not enter into an agreement for the sale of the Shares within such period, or if such agreement is not consummated
within ninety (90) days of the execution thereof, the right provided hereunder shall be deemed to be revived and such Shares shall not be offered unless first reoffered to the Major Investors in accordance herewith. 
 (d) The right of first offer in this paragraph 2.4 shall not be applicable to (i) the issuance or sale of up to (A) 12,400,000 shares of
Common Stock and (B) 1,600,000 shares of Class A Common Stock, including any shares of Common Stock issued or issuable upon conversion of the Class A Common Stock (or options therefor) to employees, directors and consultants pursuant
to the Company’s 1998 Stock Plan or 2004 Stock Plan for eHealth China, Inc., for the primary purpose of soliciting or retaining their services; provided, however, that an issuance may exceed this maximum if such issuance is approved by at least
one of the directors appointed by the holders of Series A Stock, Series B Stock or Series C Stock, (ii) the issuance of securities pursuant to a bona fide, firmly underwritten public offering of shares of Common Stock registered under the Act,
(iii) the issuance of securities pursuant to the conversion or exercise of convertible or exercisable securities, (iv) the issuance of securities in 
  

 16 

 
connection with a bona fide business acquisition of or by the Company, whether by merger, consolidation, sale of assets, sale or exchange of stock or
otherwise, (v) the issuance of up to 750,000 shares of the Company’s stock or warrants or other securities or rights to acquire the Company’s stock to persons or entities pursuant to credit, license, joint venture or corporate
partnering transactions to which the Company is a party, provided such issuance are for other than primarily equity financing purposes; provided, however, that an issuance may exceed this maximum if such issuance is approved by at least one of the
directors appointed by the holders of Series A Stock, Series B Stock or Series C Stock, or (vi) securities of the Company issued pursuant to the Merger. 
 2.5 Termination of Certain Covenants. The covenants set forth in Section 2.4 shall terminate and be of no further force or effect upon the consummation of the Initial Offering provided that such offering
results in the conversion of all outstanding preferred stock. 
 2.6 Assignment of Company’s Right of First Refusal. The Company
shall not waive its right of first refusal to purchase vested shares of stock held by employees not so purchased by the Company, or allow such right to lapse, without first offering to assign such right to the Investors on a pro rata basis.

 2.7 Standstill Agreement. Until the Initial Offering, and notwithstanding any other provision of this Agreement, including
the right of first offer in Section 2.4 hereof, without the prior written Consent of the Board of Directors of the Company, each Investor covenants and agrees that neither it nor any of its affiliates will acquire or agree, offer, seek or
propose to acquire, cause to be acquired or commence any tender or exchange offer seeking to acquire beneficial ownership of more than 20% of the Company’s capital stock on a fully-diluted, as-converted basis. 
 3. Miscellaneous. 
 3.1 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 (including transferees of any shares of
Registrable Securities). Notwithstanding the foregoing, the Company shall not assign its rights and obligations under this Agreement, in whole or in part, whether by operation of law or otherwise, without the prior written consent of no less than a
majority of the holders in interest of the shares of Series C Preferred Stock (including the shares of Common Stock issuable upon conversion thereof), and any such assignment by the Company contrary to the terms hereof shall be null and void and of
no force and effect. 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. 
 3.2 Governing Law. This Agreement shall be governed by and
construed under the laws of the State of California as applied to agreements among California residents entered into and to be performed entirely within California. 
  

 17 

 3.3 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. 
 3.4 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. 
 3.5 Notices. Unless otherwise provided, any notice required or permitted under this Agreement shall be given in writing and shall be deemed effectively given upon personal delivery to the party to be notified
or upon delivery by confirmed facsimile transmission, nationally recognized overnight courier service, or upon deposit with the United States Post Office, by registered or certified mail, postage prepaid and addressed to the party to be notified at
the address indicated for such party on the signature page hereof, or at such other address as such party may designate by ten (10) days’ advance written notice to the other parties. 
 3.6 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. 
 3.7 Entire Agreement; Amendments and Waivers. This Agreement (including the Exhibits hereto, if any) constitutes the full and entire understanding and agreement among the parties with regard to the subjects
hereof and thereof. 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
the Company and the holders of two-thirds of the Registrable Securities. Any amendment or waiver effected in accordance with this paragraph shall be binding upon each holder of any Registrable Securities each future holder of all such Registrable
Securities, and the Company. 
 3.8 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. 
 3.9 Aggregation of Stock. All shares of Registrable Securities held or acquired by affiliated entities or persons shall be aggregated together
for the purpose of determining the availability of any rights under this Agreement. 
 3.10 Prior Agreement. The Prior Agreement is
hereby superseded by this Agreement. 
 3.11 Specific Performance. In addition to any and all other remedies that may be available at
law in the event of any breach of this Agreement, each Investor shall be entitled to specific performance of the agreements and obligations of the Company hereunder and to such other injunctive or other equitable relief as may be granted by a court
of competent jurisdiction. 
  

 18 

 Schedule A 
 Schedule of Investors 
 Series A Investors: 
 KPCB Holding, Inc., as nominee 
 Weiss Peck & Greer L.L.C.

 WPG Enterprise Fund III, L.L.C 
 Weiss Peck & Greer
Venture Associates IV, L.L.C. 
 WPG Information Sciences Entrepreneur Fund, L.P. 
 Weiss Peck & Greer Venture Associates IV, Cayman, L.P. 
 Series B
Investors: 
 KPCB Holding, Inc., as nominee 
 Weiss Peck & Greer Venture Associates V, L.L.C. 
 Weiss Peck & Greer Venture Associates V-A, L.L.C.

 Weiss Peck & Greer Venture Associates V Cayman, L.P. 
 WPG Enterprise Fund III, L.L.C. 
 Weiss Peck & Greer Venture Associates IV, L.L.C. 
 WPG Information Sciences Entrepreneur Fund, L.P. 
 Weiss Peck & Greer
Venture Associates IV Cayman, L.P. 
 DLJ Capital Corp. 
 DLJ ESC
II, L.P. 
 Sprout Capital VIII, L.P. 
 Sprout Venture Capital,
L.P. 
 GS Capital Partners III, L.P. 
 GS Capital Partners III
Offshore, L.P. 
 Goldman, Sachs & Co. 
     Verwaltungs GmbH 
 LSC Fund II, L.P. 
 DLJ Capital Corp. 
 DLJ ESC II, L.P. 
 Sprout Capital
VIII, L.P. 
 Sprout Venture Capital, L.P. 
 Ranjan Lal

 Anderson eHealth, L.P. 
 G&H Partners 
 Brobeck, Phleger & Harrison LLP 
 Andrew Chase and Laura Chase, TTEEs
of the Chase 1991 Revocable Trust dtd 4/2/91 
 Frank L. Walters, Jr. 
 Johnson Revocable Trust U/A/D 7/2/97 

 Stanford University 
 Edward
M. Brown 
 Richard A. Petit, Trustee Petit Family Trust, UAD 4-25-96 
 Tim Emanuels 
 L. Steven Ashley 
 Gary O’Neall

 Peri A. Soyugenc 
 Series C Investors:

 KPCB Holding, Inc., as nominee 
 Weiss Peck & Greer
Venture Associates V, L.L.C. 
 Weiss Peck & Greer Venture Associates V-A, L.L.C. 
 Weiss Peck & Greer Venture Associates V Cayman, L.L.C. 
 WPG Information Sciences Entrepreneur Fund II, L.L.C.

 WPG Information Sciences Entrepreneur Fund II-A, L.L.C. 
 DLJ
Capital Corp. 
 DLJ ESC II, L.P. 
 Sprout Capital IX, L.P.

 QuestMark Partners, L.P. 
 QuestMark Partners Side Fund, L.P.

 Wellpoint Health Networks 
 G & H Partners 
 Anderson eHealth, L.P. 
 L. Steven Ashley 
 Andrew Chase and Laura Chase, TTEEs of the Chase 1991 Revocable Trust dtd 4/2/91 
 The Goldman Sachs Group, Inc. 
 HEWM Investors, LLp – Fund VI 
 Craig R. Johnson and Nichola Jo Johnson Trustees or Successor Trustees under the Johnson Revocable Trust Dated 7/2/97 
 Don
C. Brain Jr. 
 Kevin McQuillan and Deirdre McQuillan, Trustees of Kevin McQuillan and Deirdre McQuillan Trust DTD 12/9/95 
 Palmer & Cay, Inc. 
 Richard A. Petit Trustee Petit Family Trust
Trustee Petit Family Trust, AUD 4-25-96 
 Peri A. Soyugenc 
 WPG
Enterprise Fund III, L.L.C. 
 Weiss, Peck & Greer Venture Associates IV, L.L.C. 
 WPG Information Sciences Entrepreneur Fund, L.P. 
 Weiss, Peck & Greer Venture Associate IV Cayman, L.P.Prepared by R.R. Donnelley Financial -- Agent Agreement, effective October 1, 2000

 Exhibit 10.7 
 Blue Cross of California and Affiliates 
 AGENT AGREEMENT 
 Under this Agreement (the “Agreement”), effective October 1, 2000, and subject to all terms thereof, eHealthinsurance Services, Inc., (hereinafter
referred to as “EHI”), a Delaware corporation, with an office located at 281 East Java Drive, Sunnyvale, CA 94089 is authorized to market and solicit applications from members of the general public residing in California, Nevada, Texas,
Georgia, Illinois, Indiana, and Virginia for only those products specified herein written or sold by Blue Cross of California, (or any other Blue Cross company owned by WellPoint), a health care service plan licensed under the Knox-Keene Act (Health
and Safety Code Section 1340, et. seq.) BC Life and Health Insurance Company, a life and disability insurance company operating under a Certificate of Authority issued by the California Department of Insurance, a California Corporation, and
UNICARE Life and Health Insurance Company, a Delaware domiciled insurance company licensed in Georgia, Texas, Illinois, Indiana, Kentucky, Ohio, Virginia, and Nevada with an office located at 2000 Corporate Center Drive, Newbury Park, California
91320 (hereinafter collectively referred to as “Company”). 
 To the extent any activities of EHI in any way related to an affiliate of
“Company” or a program of such affiliate – 
  

	 	•	 	Each and every duty or obligation owed by EHI to “Company” under the Agreement shall be owed to such affiliate. 

  

	 	•	 	Each and every right accruing “Company” against EHI under the Agreement shall accrue to, and be enforceable by, such affiliate. 

  

	 	•	 	Any obligation owed to EHI by “Company” under the Agreement shall be owed solely by such affiliate; and 

  

	 	•	 	Any right or claim accruing in favor of EHI under the Agreement shall be enforceable against each affiliate. 

  

	 	•	 	“Company” as used in this Agreement refers jointly and severally to Blue Cross of California, any other Blue Cross company owned by WellPoint, BC Life and Health Insurance
Company, UNICARE Life and Health Insurance Company, and its affiliates, as the context and circumstances may require. As used above, the term “affiliate” refers to Blue Cross of California, BC Life and Health Insurance Company, and UNICARE
Life and Health Insurance Company. 

 ARTICLE I - GENERAL PROVISIONS 
  

	1.1	“Company” and EHI shall comply with all laws and regulations applicable to their businesses, their licenses and the transactions into which they enter in connection with
this Agreement. 

  

	1.2	EHI agrees that in performing under this Agreement, EHI is acting in a fiduciary capacity to “Company”. EHI will not knowingly induce, or attempt to induce, the
replacement of “Company” coverage or any individuals with the coverage of another carrier, unless it is clearly in the best interests of such individuals. 

  

	1.3	This Agreement or the right to receive money under this Agreement may not be assigned by EHI without the prior written consent of “Company” which shall not unreasonably
withheld, and any assignment made contrary to this provision shall be void as to “Company”. This Agreement is personal to EHI, and duties hereunder shall not be delegated or subcontracted by EHI. EHI shall not use subagents in connection
with this Agreement except in strict accordance with paragraph 1.4 below. 

  

	1.4	Subject to the following, EHI may use subagents in EHI’s performance under this Agreement: 

  

	 	a.	EHI will inform “Company” of the identity of those Representatives whom EHI intends to use as subagents, and EHI will not use, or will cease to use, any Representative as
a subagent upon the reasonable request of “Company”, and 

  

	 	b.	EHI will use its commercially reasonable efforts to ensure that any Representative used by EHI as a subagent in performance under this Agreement is properly licensed to act in such
capacity. EHI shall, at EHI’ sole cost and expense, file whatever documents with the California Department of Insurance as are necessary for any subagent to lawfully act in that capacity. Furthermore, should 

 CONFIDENTIAL TREATMENT REQUESTED. CONFIDENTIAL PORTIONS OF THIS DOCUMENT 
 HAVE BEEN REDACTED AND HAVE BEEN SEPARATELY FILED WITH THE COMMISSION. 
  

 1 of 12 

	 	  	“Company” instruct EHI to discontinue the use of any subagent for a valid business reason, EHI shall be responsible, at EHI’ sole cost and expense, for filing any
documents with the California Department of Insurance as may be required to properly terminate a subagent’s authority to so act. 

  

	 	c.	EHI shall submit to “Company” and “Company” shall promptly execute and file with the applicable state insurance regulatory authorities a Representative
Application for Appointment which form shall be supplied by “Company”; no other form of application for appointment will be accepted by “Company”. EHI shall be responsible for the accuracy and completeness of such application
submitted and shall ensure that each person for whom such application is submitted shall have read, understood and personally signed such application. 

  

	 	d.	EHI shall be responsible for the payment of any and all compensation, of whatever kind, including, but not limited to, commissions, service fees or expense allowances due to or
claimed by any subagent of EHI. EHI agrees to indemnify, defend and save “Company” harmless from and against any claim for reimbursement, compensation or other payment made by a subagent of EHI. 

  

	 	e.	EHI shall be responsible for the appropriate training and guidance of its subagents to the extent that subagents are used in the marketing of “Company” products. EHI will
be responsible to “Company” for the acts or omissions of subagents. 

  

	 	f.	EHI agrees that if it is required under this Agreement to procure and maintain a certain level of Errors and Omissions Insurance in a form reasonably satisfactory to
“Company” such requirement shall apply to subagents. EHI shall insure that each subagent used in the marketing of “Company” products procures and maintains any required Errors and Omissions Insurance, or EHI shall include each
subagent as an additional named insured under EHI’ coverage or otherwise ensure that this requirement is satisfied by each subagent used in the marketing of “Company” products. 

  

	1.5	Any notice required from “Company” under this Agreement shall be deemed given on the day such notice is deposited in the United States mail first class postage pre-paid
and addressed to eHealthInsurance Services, Inc., 1150 Iron Point Road, Suite 100, Folsom, California 95630, Attn: Vice-President . Any notice required from EHI shall be deemed given on the day after such notice is deposited in the United States
mail with first class postage pre-paid and addressed to Blue Cross of California, 2000 Corporate Center Drive, Newbury Park, California, 91320. 

  

	1.6	This Agreement is the entire contract between the parties on this subject matter and supersedes any and all prior understandings or agreements between the parties whether oral or in
writing on this subject matter. Subject to “Company’s” right of modification set out in paragraph 6.3, no modification or amendment to this Agreement shall be effective unless it is in writing, attached to and made a part of this
Agreement, and is executed by a duly authorized representative of EHI and by an officer of “Company”. 

  

	1.7	EHI expressly agrees that this Agreement supersedes any prior agreement(s) between EHI and “Company” for business placed by EHI in “Company” after the effective
date of this Agreement. 

  

	1.8	In this Agreement the words “shall” and “will” are used in the mandatory sense. Unless the context otherwise clearly requires, any one gender includes all
others, the singular includes the plural, and the plural includes the singular. 

  

	1.9	The fact that “Company” may not have insisted upon strict compliance with this Agreement with respect to an act or transaction of EHI shall not relieve EHI from the
obligation to perform strictly in accordance with the terms of this Agreement, with regard to any other act or transaction “Company” shall at all times be entitled to expect EHI to perform strictly in accordance with the terms of this
Agreement. 

  

	1.10	The fact that EHI may not have insisted upon strict compliance with this Agreement with respect to an act or transaction of “Company” shall not relieve “Company”
from the obligation to perform strictly in accordance with the terms of this Agreement, with regard to any other act or transaction EHI shall at all times be entitled to expect “Company” to perform strictly in accordance with the terms of
this Agreement. 

  

	1.11	EHI and Company will implement Rapid Processing in accordance with Attachment C. 

  

 2 of 12 

 ARTICLE II – OBLIGATIONS OF EHI 
  

	2.1	EHI shall use commercially reasonable efforts to solicit from members of the general public residing in states in which “Company” is authorized to transact insurance and
in which “Company” have authorized EHI to solicit on “Company’s” behalf applications for “Company” Individual Enrollment Plan programs, Small Group Plan programs and Medicare Supplement Plan programs identified in
the commission schedules attached to and made part of this Agreement. EHI is not authorized to solicit on behalf of “Company”, nor will EHI earn commissions for conversion programs or any other programs that “Company” shall
decline to offer through EHI. EHI shall generally perform under this Agreement as described in such administrative guidelines, bulletins, directives, manuals or the like as “Company” may publish for agents and has delivered to EHI from
time to time, which do not conflict with any term or provision of this Agreement. 

  

	2.2	EHI will service “Company” members enrolled through applications submitted by EHI or assigned by “Company”. Such service will include the following:

  

	 	a.	acting as liaison between the member and “Company” if requested by “Company” or the member, and including but not limited to, the following:

  

	 	i.	Assisting the member to take the proper action in connection with “Company” coverage when there is a change of address, change in marital status or change in dependent
status. 

  

	 	ii.	Assisting a family member/dependent obtain coverage when he or she is no longer entitled to coverage as a family member, e.g., when a dependent child reaches the limiting age, or
upon a divorce or dissolution of marriage. 

  

	 	b.	maintaining a working and current knowledge of “Company” products and the ability to explain benefits and/or coverage. 

  

	  	For any members assigned to EHI by “Company”, EHI shall receive compensation from “Company” in accordance with the provisions of this Agreement.

  

	2.3	EHI agrees to maintain such licenses as are necessary to transact business on behalf of “Company”. EHI further agrees to notify “Company” immediately of any
expiration, termination, suspension or other action of the California Insurance Department, California Department of Corporations, any other Department of Insurance or insurance regulator, or any other government agency against or affecting said
license. By entering into this Agreement, EHI represents that no license of EHI, or any director or officer of, or owner of 25% or more equity interest in, EHI has previously been subject to any suspension, termination or other disciplinary action
by any governmental authority, and that EHI has never been convicted of a felony or a misdemeanor involving theft or misappropriation of monies. 

  

	2.4	EHI agrees to comply with the reasonable rules of “Company” relating to the completion and submission of applications, and to make no representation with respect to the
benefits of any Plan offered by “Company” not in conformity with the material prepared and furnished to EHI for that purpose by “Company”. EHI shall use best efforts to ensure that each application is fully and truthfully
completed by the applicant and the completed application fully and accurately reflects and discloses the circumstances, including the health, or persons for whom coverage is sought in the application. EHI further agrees to inform every applicant
that “Company” will rely upon said health representations in the underwriting process, and that the subsequent discovery of material facts known to applicant and either not disclosed or misrepresented on the health statement may result in
the rescission of any contract entered into by “Company”, and that in no event will the applicant have any coverage unless and until it is reviewed and approved by “Company” and a contract is issued, or if “Company”
requires a written waiver, until the applicant agrees to accept coverage subject to the terms of such waiver. Nonetheless, “Company” understands and acknowledges that EHI may not directly speak with every applicant.

  

 3 of 12 

	2.5	EHI is not authorized to, and agrees not to, enter into, alter, deliver or terminate any contract on behalf of “Company”, extend the time for payment of charges, or bind
“Company” in any way without the prior written approval of “Company”. EHI further agrees that “Company” reserves the right to reject any and all applications submitted by EHI. “Company” will not treat
applications from EHI differently from applications submitted by other agents. 

  

	2.6	Monies received by EHI for or on behalf of “Company” shall be received and held by EHI in a fiduciary capacity, shall not be commingled by EHI with personal funds of EHI,
and shall be remitted to “Company” by no later than [***] ([***]) calendar days from the day of receipt by EHI. 

  

	2.7	Forms and Advertising 

  

	 	a.	EHI agrees to use only such material as provided by “Company” or approved in writing by “Company” before use (including billing forms, all advertising,
promotional materials, reprints and enrollment forms). EHI shall not make use of any advertisement or any other material in which the name or logo of “Company”, or any service mark of “Company” is used without the
“Company’s” written consent. “Company” agrees that such consent shall not be unreasonably withheld. 

  

	 	b.	LIQUIDATED DAMAGES: EHI agrees that any use of “Company’s” name or logo, or any service mark of “Company” will injure “Company” although
the amount of damage would be difficult to determine. Therefore, should EHI fail to cure a misuse within [***] ([***]) days following notice, EHI agrees to pay “Company”, as liquidated damages and not as a penalty, $[***] for each use
of “Company’s” service mark(s), name or logo without “Company’s” prior written consent plus $[***] for each day of each such unauthorized use. (For the purpose of assessing the $[***] per day per use damages, each
individual unauthorized appearance of “Company’s” service mark(s), name or logo shall be a separate unauthorized appearance of “Company’s” service mark(s), and name or logo shall be a separate unauthorized use. For
example, and not limiting the generality of the foregoing, each individual copy of a newspaper advertisement containing an unauthorized use published on any one day shall be a separate unauthorized use and each individual copy of any edition of a
telephone directory containing an unauthorized use on each day between the initial distribution of that edition and its replacement with another edition shall be a separate unauthorized use.) 

  

	 	c.	INTERNET MARKETING – “Company” will have approval rights over any Internet marketing materials that use the name, logo or other identifier of
“Company”. EHI will be solely responsible for the generic marketing and advertising related to the EHI website. 

  

	 	d.	GENERAL MARKETING – As part of this agreement, EHI agrees to design, advertise and market to promote the “Company’s” products as part of EHI’s
overall marketing efforts to generate revenue for its insurer supplier partners. 

  

	2.8	EHI agrees to maintain complete records (1) of all transactions pertaining to applications submitted to and accepted by “Company”, (2) as may be required by the
California Department of Insurance, or California Department of Corporations, any Department of Insurance or any other governmental entity, (3) in connection with EHI’ relationship with “Company”. Any and all records described
above or as may otherwise relate to EHI’ activities in connection with “Company” business shall be accessible and available to representatives of “Company” who may audit them from time to time while this Agreement is in
effect or within one (1) year after termination reasonably thereof. “Company shall notify EHI of its intention to conduct an audit no less than [***] weeks prior to the date of the audit. Any audit shall take place at EHI’s office
during normal business hours. “Company” or its agents shall not copy or duplicate any records without the prior written consent of EHI. Any audit shall be conducted at “Company’s” sole expense unless the audit reveals an act
of fraud by EHI. 

  

	2.9	Within [***] ([***]) days of a request by “Company”, but not later than the effective date of this Agreement EHI agrees to obtain and maintain Errors and Omissions
Insurance in force in the amount of $[***] for each occurrence and $[***] general aggregate from a carrier with a Best rating of B or better and proof of which will be supplied to “Company” upon request. Once “Company” has
requested that EHI obtain and maintain such insurance, the obtaining and maintenance of such insurance shall be a material 

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 4 of 12 

	  	requirement of this Agreement. Failure of EHI to obtain and maintain such insurance reasonably satisfactory to “Company”, once requested by “Company”, shall be a
material failure to comply with a provision of this Agreement. 

  

	2.10	EHI agrees that “Company” has the right to discontinue, to modify, or exercise all lawful rights in connection with, any of its benefit contracts, or programs without
liability to EHI by providing EHI at least [***] days prior written notice. EHI may sell only those products specifically authorized. 

  

	2.11	EHI shall seek compensation for performing under this Agreement only from “Company”. EHI is an independent contractor and shall have no claim to compensation except as
provided in this Agreement and shall not be entitled to reimbursement from “Company” for any expenses incurred in performing this Agreement. EHI further agrees that to the extent of any indebtedness of EHI to “Company”,
“Company” shall have a first lien, against any commissions due EHI from “Company”, and such indebtedness may be deducted at the “Company’s” option from commissions due to EHI, in the event that such action is
deemed appropriate. 

  

	2.12	EHI agrees to maintain the confidentiality of any trade secret or proprietary information of “Company”. EHI’ obligations under this paragraph 2.12 shall survive
termination of this Agreement. “Company” agrees to keep all trade secrets, proprietary information, agreements, financial arrangements, and technology activities of EHI strictly confidential. “Company’s” obligations under
this paragraph 2.12 shall survive termination of this Agreement. 

  

	2.13	EHI will keep regular and accurate records of all transactions related to this Agreement which records shall be reserved for a period of at least [***] ([***]) years and, upon
request, shall be open to examination and available for copying by “Company”. Any manuals, applications, and all supplies furnished by “Company” shall remain the property of “Company” and at the request of
“Company”, said property shall immediately be returned to “Company” upon termination of this Agreement. 

  

	2.14	“Company” agrees to send, at “Company’s” sole expense, within 30 days after the date of this Agreement a training representative out to EHI’
headquarters for an initial product training session. 

  

	2.15	EHI agrees that, except for brand or product differentiation purposes stating the benefits of its own services to consumers, it will not undertake any marketing, promotion or other
public messages that directly criticizes the existing broker distribution network or existing broker distribution channels used by the “Company”. 

  

	2.16	EHI will waive any start-up and/or maintenance fees for “Company” for the placement of “Company” products on the EHI website (www.ehealthinsurance.com).

  

	2.17	EHI shall make available to “Company”, (a) customer data generated by consumers who apply for products offered by “Company”. EHI shall make available to
“Company”, consistent with EHI’s customer privacy policies and subject to EHI’s fiduciary duties to “Company”, (b) general aggregated customer data that EHI makes generally available to health insurance carriers
which offer insurance products and services through EHI. Notwithstanding anything else in this Agreement, each party agrees to comply with any and all relevant State and Federal laws, regulations, and other governmental agency guidelines relating to
(i) disclosure of personal and medical information (ii) security of personal and medical information that is maintained by either party or transmitted between the parties, and (iii) insurance application related privacy issues. Each
party shall negotiate in good faith an agreement for the design of screens that provide additional value-added benefits of “Company”, if such additional services are reasonably requested by “Company”. 

  

	2.18	EHI will ensure that all prospects are aware of options available to them via the Health Insurance Portability and Accounting Act. 

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 5 of 12 

	2.19	As part of EHI’s activities to market and sell health insurance products, including “Company’s” products, EHI may enter into marketing agreements with other
parties (e.g., associations, employers and other “affinity groups”). Such agreements may include the placement or syndication of EHI’s website within another party’s site, or the placement of links from another party’s site
to EHI’s website. Any such activities or agreements in any way related to or in connection with the “Company”, this Agreement, or EHI’s performance hereof shall be in strict compliance with this Agreement. Furthermore, EHI shall
be responsible to “Company” for the acts or omissions of such other parties. 

 ARTICLE III – OBLIGATIONS OF
“Company” 
  

	3.1	“Company” will pay EHI first year and renewal commissions on “Company” enrollment at the rates set out in Attachment A resulting from applications obtained by
EHI, and accepted by “Company”, and in the case of any group business for which EHI has been designated Agent of Record in writing, applications obtained by EHI, and accepted by “Company”, for products “Company” has
authorized EHI to market. Furthermore, “Company” reserves the right, in its sole and absolute discretion, to refuse to recognize any change in Agent of Record designation by a group having coverage with “Company” through an
association having an arrangement with “Company”. If EHI submits an application for a person, or group, with prior “Company” coverage, no commission shall be payable unless prior coverage has been lapsed for at least [***]
([***]) months in the case of individual or Medicare supplement programs, or at least [***] ([***]) months in the case of group programs; except that if EHI submitted the original application, renewal commissions only shall be payable.
Such commissions shall be based on the commission schedule(s) in Attachment A. After [***] months following the effective date of this contract, EHI and “Company” agree to review the commission schedule listed in Attachment A and
EHI’s book of business and determine whether any adjustments to the commission schedule in Attachment A are necessary. Such modifications or replacement to Attachment A shall apply to all new enrollment with an original effective date following
the effective date of modifications or replacement of Attachment A. If after [***] months following the effective date of this agreement no changes are necessary or both parties cannot mutually agree upon terms for modifying or replacing Attachment
A, the commission schedule in Attachment A effective at the time this Agreement was executed will remain in effect for the duration of this agreement. 

  

	3.2	Renewal Commissions: 

  

	  	Renewal commissions for all products sold by EHI in connection with this Agreement shall be payable to EHI by “Company” as long as all of the following conditions are
satisfied: 

  

	 	a.	“Company” retains the enrollment produced by EHI (such retention being at the “Company’s” option); 

  

	 	b.	EHI will continue to receive all commissions due on renewal business for as long as the business remains on the books and [***]; 

  

	 	c.	At least six (6) individual and/or Medicare supplement programs, or in the case of group business at least six (6) covered employees under “Company” benefit
agreements written through EHI remain in effect; and 

  

	 	d.	In the case of group business, no other Agent is designated in writing as Agent of Record by the group. 

  

	3.3	Assignment Rights 

  

	  	Assignment rights apply only to Individual Enrollment Plan Programs, and commissions on no other programs shall be assignable. 

  

	 	a.	If all the following conditions are satisfied, EHI may assign any or all business written under this Agreement to another licensed agent: 

  

	 	i.	The assignment must be in writing, permanent and irrevocable, notarized and in a form acceptable to “Company”; 

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 6 of 12 

	 	ii.	The terms of the assignment must be determined by “Company” not to prejudice the interests of “Company”; 

  

	 	iii.	Under the terms of the assignment the agent to whom the business is assigned must expressly agree to assume all EHI’s obligations and responsibilities to “Company”
with respect to the business assigned; 

  

	 	iv.	The loss ratio of Agent’s business in the aggregate, and, in the case of an assignment of only a portion of Agent’s business, the loss ratio of both the portion retained
and the portion assigned, must be no worse than “Company’s average loss ratio for individual plan business; 

  

	 	v.	The Agent to whom the business would be assigned either has a standard “Company” Individual Plans Agent Agreement in force and good standing, an e-Agent Agreement in good
standing, or is acceptable to “Company”, qualifies for and enters into a standard Individual Plans Agent Agreement with “Company”; 

  

	 	vi.	At the time of assignment, at least six (6) individual “Company” benefit agreements written by EHI are in force in EHI’s book of “Company” business.

  

	 	b.	Since any agent to whom EHI’s business may be assigned would represent the interests of “Company” with respect to said business, “Company” reserves the
right to decline to approve, in its sole and absolute discretion, any assignment. In event of the sale or merger of EHI, “Company” will not unreasonably withhold assignment not withstanding subparagraph a., except that the acquiring or
merging company has either a standard “Company” Individual Plans Agent Agreement in force and good standing, or an e-Agent agreement in good standing, or is acceptable to “Company”, qualifies for and enters into a standard
Individual Plans Agent Agreement or an e-Agent Agreement with “Company”. 

  

	 	c.	Any purported assignment of, or transfer of any interest in, any or all of EHI’s business other than in strict compliance with subparagraph a. of this paragraph shall be void
as to “Company” and shall be a material failure to comply with provisions of this Agreement. 

  

	3.4	“Company” will pay to EHI compensation due within thirty (30) days following the end of each calendar month based on subscription charges actually received and
reconciled by “Company”, and either due or received and reconciled by “Company”, whichever is later, during the calendar month on EHI generated business, except that “Company” reserves the right to accumulate
commissions until commissions due equal at least $[***]. If a return subscription charge is due on EHI generated business, “Company” will charge back to EHI the amount of commission previously paid to EHI on the amount of returned
subscription charge. 

  

	  	Compensation payments by “Company” will be accompanied by sufficient detail to permit EHI to identify the name and address of each insured or group for which compensation
is being paid, as well as the amount of premium paid by such insured or group on which the payment is based. 

  

	3.5	Except to the extent responsibility is expressly and explicitly delegated under this Agreement, “Company” shall be responsible for, and may exercise its discretion in
connection with, all aspects of the underwriting and administration of any “Company” products including, but not limited to, the following: 

  

	 	a.	the design, benefit configuration and rates or such products; 

  

	 	b.	the establishment of underwriting procedures and criteria to be used in the acceptance or rejection of risks; 

  

	 	c.	the establishment and holding of reserves; 

  

	 	d.	the payment or denial of claims’; and 

  

	 	e.	the preparation and issuance of benefit agreements and benefit certificates. 

  

	3.6	EHI shall have the ability to use Internet, telephonic, mail and print support to market, sell and service “Company’s” products otherwise in accordance with the terms
hereof. 

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 7 of 12 

	3.7	For maintenance purposes, “Company” shall provide EHI with updated health plan information including, but not limited to, health plan applications, rates, benefit
summaries, provider directories and other content which EHI may require to comply with “Company’s” general updates for all agents. EHI recognizes that such health plan information may be preliminary and shall be subject to final
approval by the relevant regulatory agencies in the states where the “Company” will offer updated health plan products. Such health plan information shall be provided to EHI no less than 30 days prior to their effective date.
“Company” shall have approval rights over the health plan information, but such approval shall not be unreasonably withheld. “Company” shall permit EHI to link the EHI website to “Company’s” web pages as necessary
to provide potential applicants with health plan information in a manner acceptable to “Company”. 

 ARTICLE IV – DISPUTE
RESOLUTION 
  

	4.1	“Company” and EHI agree to meet and confer in good faith on all matters affecting this Agreement. The parties agree that any unresolved dispute will be resolved by binding
arbitration in accordance with the Commercial Rules of the American Arbitration Association. 

 ARTICLE V – INDEMNITY 

 

	5.1	Neither “Company” nor EHI shall be liable to any third party for an act or failure to act of the other party to this Agreement. 

  

	5.2	EHI agrees to indemnify and save “Company”, including directors, officers, corporate affiliates, shareholders and employees “Company”, harmless from any and all
liability, losses, damages, costs or expenses arising out of any and every claim, demand, lawsuit or cause of action asserted against “Company” by a third party, which claim, demand, lawsuit or cause of action results from or arises in
connection with any negligent or otherwise intentional wrongful act or omission of EHI, including any breach of this Agreement, or of any director, officer, or employee of Agent. Such indemnity shall include reasonable attorney fees.

  

	5.3	“Company” agrees to indemnify and save EHI, including partners, directors, officers, corporate affiliates, shareholders and employees of EHI harmless from any and all
liability, losses, damages, costs or expenses arising out of any and every claim, demand, lawsuit or cause of action asserted against EHI by a third party, which claim, demand, lawsuit or cause of action results from or arises in connection with any
negligent or otherwise wrongful act or omission of “Company”, including any breach of this Agreement, or of any director, officer or employee of “Company”. Such indemnity shall include reasonable attorney fees.

  

	5.4	Should “Company” and EHI each claim indemnity from the other under paragraphs 5.2 and 5.3 of this ARTICLE V hereof and should it be determined that each is entitled to
some indemnity from the other under the terms of said paragraphs, then the amount of indemnity due from each to the other shall be determined according to comparative fault principles. 

  

	5.5	The obligations of this ARTICLE V will survive termination of this Agreement as to acts or omissions committed during the term of this Agreement. 

 ARTICLE VI – TERM, TERMINATION & EXCLUSIVITY 
  

	6.1	This agreement shall become effective following execution by EHI on the date approved by a duly authorized representative of “Company”. 

  

	6.2	Termination – Subject to Section 6.4, this Agreement will remain in force for a period of [***] year ([***] years) from the date signed on the contract marked by
“Company”. Thereafter, either party may elect to terminate this Agreement, without cause, by giving the other party [***] days written notice. 

  

	6.3	Modifications – Modifications to this Agreement shall be put in writing and agreed to by both parties, excluding such modifications that are identified in other sections of
this agreement. 

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 8 of 12 

	6.4	Termination for cause: A party to this Agreement may terminate this Agreement for the other party’s material failure to comply with any provisions of this Agreement (including
any amendments) if the failing party does not cure the material failure upon [***] ([***]) days prior receipt of written notice of a failure to comply. A party’s failure to comply with any provision of this Agreement shall, unless
otherwise specifically provided, be material if such failure affects the party’s ability to perform under this Agreement or if the other party could reasonably be expected to be materially prejudiced or injured by the particular failure. A
party may immediately, upon written notice to the other party, terminate this Agreement upon the other party’s commission of any act of fraud or dishonesty, or breach of any fiduciary duty. The right to terminate this Agreement for cause shall
not be exclusive, but shall be cumulative with all other remedies available by law or in equity. A failure to terminate this Agreement for cause shall not be a waiver of the rights to do so at any future defaults. 

  

	6.5	Notwithstanding anything else in the Agreement, “Company” shall have the right to terminate this contract upon [***] ([***]) days written notice if EHI implies to the
public they are not a licensed agent and disparages, ridicules, or demeans insurance agents and the services they provide to customers. EHI shall be in material breach if it does not cure a failure to comply within [***] ([***]) business days
of receiving notice of a failure to comply. 

 IN WITNESS WHEREOF, this Agreement has been duly executed in duplicate by the parties.

  

							
	 BLUE CROSS OF CALIFORNIA
 on its behalf and
behalf of its affiliates
 comprising the “Company”
	 	 eHealthinsurance Services, Inc.
 281 East Java Drive
 Sunnyvale, CA 94089

				
	BY:	 	 [***]
	 	BY:	 	 /s/ Gary Lauer

	NAME:	 	[***]	 	NAME:	 	Gary Lauer
	TITLE:	 	Senior Vice President	 	TITLE:	 	President & CEO
	DATE:	 	Illegible	 	DATE:	 	10/6/00

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 9 of 12 

 ATTACHMENT A IS EXPIRED ON ITS
TERMS, IS NO LONGER VALID OR ENFORCEABLE AND HAS THEREFORE NOT BEEN
INCLUDED AS PART OF THE FILING. 
  

 10 of 12 

 ATTACHMENT C – RAPID PROCESSING 
  

	1.	Definitions 

  

	 	1.1	“Implement.” For purposes of this Agreement, Implement, Implemented, or Implements shall mean that Rapid Processing is fully functional between EHI and “Company”
such that conforming applications for coverage submitted to “Company” may be provisionally approved using Rapid Processing. 

  

	 	1.2	“Rapid Processing.” For purposes of this Agreement, Rapid Processing is defined as the online provisional approval by “Company” for individual health insurance
applications which do not require additional physician information, which shall be further defined as i) instant provisional approval for individual health applications conforming to the “Company’s” requirements using any available
technology or processing to provide this functionality, and which instant provisional approval should occur in less than [***] [***], and ii) rapid approval for non-conforming applications which can be underwritten in accordance with
“Company’s” policies and guidelines without additional physician information, using any available technology or processing to provide this functionality, and which provisional approval should occur in less than [***] [***].
Provisional Approval or Provisional Approved is defined when “Company” commits to binding insurance coverage for applicants pending “Company’s” receipt of a signed application and initial premium payment, EHI maintaining an
application with “signature on file” and sending the initial premium payment 

  

	2.	EHI Responsibilities 

  

	 	2.1	EHI agrees to license Rapid Processing through its [***] capability, based upon “Company’s” request, for online processing of conforming health insurance applications
at no cost to “Company”, except that “Company” shall be responsible for its own hardware, software, customization, implementation, integration and maintenance costs, pursuant to this Agreement. If “Company” utilizes
EHI’s [***] “Company” agrees it will not be used in other sales distribution channels without the prior written consent of EHI. 

  

	 	2.2	EHI agrees to implement and strictly follow “Company’s” policies and guidelines for determining those applications that qualify for Rapid Processing.

  

	 	2.3	EHI agrees that all applications that do not qualify for Rapid Processing will not be provisionally approved. 

  

	 	2.4	EHI agrees to diligently respond to any failures or performance issues related to EHI’s systems and processes as they concern the ability to continue to perform Rapid
Processing. 

  

	 	2.5	EHI agrees to use only such material, including forms of notice and other communications with prospects and applicants as provided by “Company” or approved in writing by
“Company” as it relates to Rapid Processing. EHI agrees to make changes to the guidelines “Company” establishes for provisional approval based upon “Company’s” request. 

  

	 	2.6	EHI agrees to provide an identifier on their web-site indicating “Company” has Rapid Processing processes in place. 

  

	 	2.7	EHI and “Company” agree to follow a mutually agreed upon process for Rapid Processing. 

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 11 of 12 

	3.	Company’s Responsibilities 

  

	 	3.1	“Company” agrees to diligently proceed to implement Rapid Processing on the schedule attached hereto as Attachment C. 

  

	 	3.2	“Company” agrees to diligently respond to any failures or performance issues related to “Company’s” systems as they concern the ability to continue to
perform Rapid Processing. 

  

	 	3.3	“Company” shall provide content reasonably requested by EHI that is necessary to providing Rapid Processing. 

  

	 	3.4	“Company” agrees to provide provisional approval for applications strictly satisfying the “Company’s” policies and guidelines that are submitted by EHI.
“Company” has the right to change these policies and guidelines at any time, in any way, and at its sole and absolute discretion. Provisional approval will be based upon those policies and guidelines that “Company” provides to
EHI. All applications receiving provisional approval are subject to (i) “Company” checking claim history, and (ii) applicant meeting guidelines established by “Company” that do not require “Company” to obtain
additional medical information. 

  

	4.	Termination of Rapid Processing 

  

	  	The “Company” may, upon [***] days prior written notice to EHI at any time after [***] ([***]) months following the implementation date of Rapid Processing, terminate
the Rapid Processing program hereunder while retaining the Agent Agreement in effect. 

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 12 of 12 

 AMENDMENT ONE 
 TO 
 AGENT AGREEMENT 
 WHEREAS, Blue Cross of California, and BC Life and Health Insurance Company (collectively, “Company”) and eHealthInsurance Services, Inc.
(“EHI”) are parties to an Agent Agreement dated October 1, 2000 (the “Agreement”). 
 WHEREAS, the parties desire to
clarify and expand some of the parties’ obligations under the Agreement. 
 WHEREAS, this Amendment One is entered into pursuant to
Article 6.3 of the Agreement, which states that modifications to the Agreement shall be put in writing and agreed to by both parties. When signed below by an authorized representative of each party, this Amendment shall constitute such a writing.
All unmodified terms and conditions of the Agreement shall remain in full force and effect. Wherever possible, the terms of this Amendment shall be read in such a manner so as to avoid conflict with the Agreement, but in the event of an unavoidable
conflict, the terms of this Amendment shall control over the terms and conditions of the Agreement. All capitalized terms set forth herein shall have the same meaning as defined in the Agreement or this Amendment. 
 WHEREAS, the Company hereby authorizes EHI to implement the following processes in a commercially reasonable manner to enable prospective health
insurance applicants to: 1) electronically sign the [***] of the Company’s health insurance application, 2) electronically receive all of an applicant’s data as entered by the applicant on [***] located at [***] by EHI, 3) electronically
transmit such data to the Company as a secured transmission via the Internet, 4) archive the applicants’ electronically signed [***], and 5) archive the [***] screens viewed by an applicant. 
 NOW THEREFORE, the parties mutually agree to the following:  
 1. EHI Responsibilities 
 1.1 Electronic Signature 
 EHI shall enable a health insurance applicant to electronically sign the [***] version of the Company’s health insurance application in a manner
consistent with the federal Electronic Signatures in Global and National Commerce Act and other applicable laws. EHI and the Company shall mutually agree on a commercially reasonable process to evidence an applicant’s intent a) to warrant that
the information provided by the 
  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 1 

 applicant is true, accurate and complete, b) to authorize the obtaining of or release of medical information, c) to agree
to the terms and conditions within the insurance application, d) to authorize the initial premium payment by credit card and subsequent premium payments by the method the applicant selects on the insurance application, and e) to bind themselves to
other terms and conditions required by the Company in its standard insurance application. 
 1.2 Electronic Receipt 
 EHI shall use a methodology which will not permit an applicant who chooses to electronically sign his application, or anyone else, to change any data
entered by the applicant once the applicant takes the appropriate action to submit the data to EHI. Any subsequent changes to the data shall be completed in writing by the applicant on a paper medium. EHI shall initially utilize [***] or better to
ensure data integrity and security during the electronic transmission of the data from the applicant to EHI. EHI shall archive the applicant’s data and the [***] seen by the applicant when entering the data. 
 1.3 Electronic Transmission 
 EHI shall not
modify or in any way alter the data received from an applicant although EHI personnel may review the applicant’s data for completeness. EHI shall promptly transmit to Company, in a form and manner satisfactory to Company, the applicant’s
insurance application in [***] utilizing [***] or better to ensure data integrity and security during the electronic transmission of the data from EHI to the Company. 
 1.4 Archive PDF 
 EHI shall archive a copy of each applicant’s electronically signed [***] of the
applicant’s application for a period of no less than [***] ([***]) years from the date the application is submitted to the Company. Such archived [***] shall be accessible to the Company via a [***], if Company elects to use the [***] or
via written request to EHI. EHI shall fulfill any request to receive an archived application within [***] ([***]) business days. On or before [***] ([***]) years, EHI shall offer a copy of an archived [***] in [***] form and any associated
records to the Company prior to permanently removing the archived [***] from EHI’s [***]. 
 1.5 Archive HTML 
 EHI shall archive the code creating the [***] viewed by an applicant for a period of no less than [***] ([***]) years. Each time an [***] is [***],
EHI shall archive the version of the [***] prior to making any [***]. EHI shall provide an archived [***] of an [***] to the Company within [***] ([***]) days of receiving 
  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 2 

 a written request from the Company. On or before [***] ([***]) years, EHI shall offer a copy of an archived [***]
and any associated records to the Company prior to permanently removing the archived [***] from EHI’s [***]. 
 1.6 Compliance with the
Health Insurance Portability and Accountability Act of 1996 (HIPAA) 
 EHI acknowledges that pursuant to HIPAA the United States Department of
Health and Human Services has promulgated some, and is in the process of promulgating other, regulations, becoming effective in the future, relating to the privacy of individually identifiable health information and the security of such information
when transmitted by electronic means and further that such regulations may require that contracts contemplating the collection of individually identifiable health information and/or the transmission of such information electronically include certain
provisions. Therefore, EHI agrees that: (a) its activities shall comply with all such regulations applicable, when and as they become effective; (b) this Amendment shall be interpreted to meet at least the minimum requirements of such
regulations when and as they become effective; and (c) upon the request of Company EHI shall execute such further amendments as the Company may reasonably determine are required by such regulations. 
 2. Company Responsibilities 
 2.1 Company agrees to
cooperate with EHI to implement the processes described above in a commercially reasonable time period. 
 3. Modification and Term. The parties may
modify any provision of this Amendment pursuant to a written instrument signed by both parties. The term of this Amendment shall be coextensive with the term of the Agreement, except that either party may terminate this amendment, with or without
cause, without terminating the Agreement, upon [***] days ([***]) days prior written notice to the other. 
 4. Severability. If any provision of
this Amendment is determined by a court to be unenforceable, all other provisions of this Amendment shall remain in full force and effect, unless such serverance would cause this Amendment to fail its essential purpose. 
 5. Effective Date. The Effective Date of this Amendment shall be the date on which it is signed by both parties, or, if signed on different dates, the later of
such dates. 
 [SIGNATURES ON FOLLOWING PAGE] 
  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 3 

 IN WITNESS HEREOF, the parties have caused this Amendment One to be executed as of the dates set forth
below. 
  

					
		 	eHealthInsurance Services, Inc.
			
		 	 By:
	 	 /s/ Gary Lauer

		 	Name:	 	 Gary Lauer

		 	Title:	 	
			
		 	Date:	 	6/19/01
		
		 	 Blue Cross of California
 on its
behalf and on behalf of its affiliates
 comprising the “Company”

			
		 	By:	 	 [***]

		 	Name:	 	[***]
		 	Title:	 	Senior Vice President
			
		 	Date:	 	6/13/01

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 4 

 AMENDMENT TWO 
 TO 
 AGENT AGREEMENT 
 WHEREAS, Blue Cross of California, BC Life and Health Insurance Company and UNICARE Life & Health Insurance Company (collectively,
“Company”) were the original parties, along with eHealthInsurance Services, Inc. (“EHI”), to an Agent Agreement dated October 1, 2000 (the “Agreement”). 
 WHEREAS, the original parties to the Agreement desire to expand the definition of “Company” to include UNICARE Health Insurance Company of the
Midwest and UNICARE Health Plans of the Midwest, Inc. as parties to the Agreement. 
 WHEREAS, the parties desire to clarify and expand some
of the parties’ obligations under the Agreement. 
 WHEREAS, this Amendment One is entered into pursuant to Article 6.3 of the
Agreement, which states that modifications to the Agreement shall be put in writing and agreed to by both parties. When signed below by an authorized representative of each party, this Amendment shall constitute such a writing. All unmodified terms
and conditions of the Agreement shall remain in full force and effect. Wherever possible, the terms of this Amendment shall be read in such a manner so as to avoid conflict with the Agreement, but in the event of an unavoidable conflict, the terms
of this Amendment shall control over the terms and conditions of the Agreement. All capitalized terms set forth herein shall have the same meaning as defined in the Agreement or this Amendment. 
 WHEREAS, the Company hereby authorizes EHI to implement the following processes in a commercially reasonable manner to enable prospective health
insurance applicants to: 1) electronically sign the [***] of the Company’s health insurance application, 2) electronically receive all of an applicant’s data as entered by the applicant on [***] located at [***] by EHI, 3) electronically
transmit such data to the Company as a secured transmission via the Internet, 4) archive the applicants’ electronically signed [***], and 5) archive the [***] screens viewed by an applicant. 
 NOW THEREFORE, the parties mutually agree to the following: 
 The foregoing recitals are hereby incorporated into and made a part of this Amendment. 
  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 1 

 1. EHI Responsibilities 
 1.1 Electronic Signature 
 EHI shall enable a health insurance applicant to electronically sign the [***]
version of the Company’s health insurance application in a manner consistent with the federal Electronic Signatures in Global and National Commerce Act and other applicable laws and regulations. EHI and the Company shall mutually agree on a
commercially reasonable process to evidence an applicant’s intent a) to warrant that the information provided by the applicant is true, accurate and complete, b) to authorize the obtaining of or release of medical information, c) to agree to
the terms and conditions within the insurance application, d) to authorize the initial premium payment by credit card and subsequent premium payments by the method the applicant selects on the insurance application, and e) to bind themselves to
other terms and conditions required by the Company in its standard insurance application. 
 1.2 Electronic Receipt 
 EHI shall use a methodology which will not permit an applicant who chooses to electronically sign his application, or anyone else, to change any data
entered by the applicant once the applicant takes the appropriate action to submit the data to EHI. Any subsequent changes to the data shall be completed in writing by the applicant on a paper medium. EHI shall initially utilize [***] or better to
ensure data integrity and security during the electronic transmission of the data from the applicant to EHI. EHI shall archive the applicant’s data and the [***] seen by the applicant when entering the data. 
 1.3 Electronic Transmission 
 EHI shall not
modify or in any way alter the data received from an applicant although EHI personnel may review the applicant’s data for completeness. EHI shall promptly transmit to Company, in a form and manner satisfactory to Company, the applicant’s
insurance application in [***] utilizing [***] or better to ensure data integrity and security during the electronic transmission of the data from EHI to the Company. 
 1.4 Archive [***] 
 EHI shall archive a copy of each applicant’s electronically signed [***] of the
applicant’s application for a period of no less than [***] ([***]) years from the date the application is submitted to the Company. Such archived [***] shall be accessible to the Company via a [***] if Company elects to use the [***], or
via written request to EHI. EHI shall fulfill any request to receive an archived application within [***] ([***]) business days. On or before [***] ([***]) years, EHI shall offer a copy of an archived [***] in [***] form and any associated
records to the Company prior to permanently removing the archived application from EHI’s database. 
  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 2 

 1.5 Archive HTML 
 EHI shall archive the code creating the [***] viewed by an applicant for a period of no less than [***] ([***]) years. Each time an [***] is [***], EHI shall archive the version of the [***] prior to making any
[***]. EHI shall provide an archived [***] of an [***] to the Company within [***] ([***]) days of receiving a written request from the Company. On or before [***] ([***]) years, EHI shall offer a copy of an archived [***] and any
associated records to the Company prior to permanently removing the archived code from EHI’s [***]. 
 1.6 Compliance with the Health
Insurance Portability and Accountability Act of 1996 (HIPAA) 
 EHI acknowledges that pursuant to HIPAA the United States Department of Health
and Human Services has promulgated some, and is in the process of promulgating other, regulations, becoming effective in the future, relating to the privacy of individually identifiable health information and the security of such information when
transmitted by electronic means and further that such regulations may require that contracts contemplating the collection of individually identifiable health information and/or the transmission of such information electronically include certain
provisions. Therefore, EHI agrees that: (a) its activities shall comply with all such regulations applicable, when and as they become effective; (b) this Amendment shall be interpreted to meet at least the minimum requirements of such
regulations when and as they become effective; and (c) upon the request of Company EHI shall execute such further amendments as the Company may reasonably determine are required by such regulations. 
 2. Company Responsibilities 
 2.1 Company agrees to
cooperate with EHI to implement the processes described above in a commercially reasonable time period. 
 3. Modification and Term. The parties may
modify any provision of this Amendment pursuant to a written instrument signed by both parties. The term of this Amendment shall be coextensive with the term of the Agreement, except that either party may terminate this amendment, with or without
cause, without terminating the Agreement, upon [***] days ([***]) days prior written notice to the other. 
 4. Severability. If any provision of
this Amendment is determined by a court to be unenforceable, all other provisions of this Amendment shall remain in full force and effect, unless such serverance would cause this Amendment to fail its essential purpose. 
 5. Effective Date. The Effective Date of this Amendment shall be the date on which it is signed by both parties, or, if signed on different dates, the later of
such dates. 
  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 3 

 [SIGNATURES ON FOLLOWING PAGE] 
 IN WITNESS HEREOF, the parties have caused this Amendment One to be executed as of the dates set forth below. 
  

			
	eHealthInsurance Services, Inc.
		
	 By:
	 	 /s/ Gary Lauer

	 Name:
	 	 Gary Lauer

	 Title:
	 	
		
	 Date:
	 	                            

 Blue Cross of California, BC Life and Health Insurance Company, 
 UNICARE Life & Health Insurance Company, UNICARE Health Insurance 
 Company of the Midwest, and UNICARE Health Plans of the Midwest, Inc. 
 on behalf of themselves and on
behalf of their affiliates 
 comprising the “Company” 
  

			
	By:	 	 [***]

	Name:	 	[***]
	Title:	 	Senior Vice President
		
	Date:	 	 7/26/01

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 4 

 AMENDMENTS THREE, FOUR AND FIVE
TO THE AGENT AGREEMENT BETWEEN BLUE CROSS OF CALIFORNIA, BC LIFE AND
HEALTH INSURANCE COMPANY, UNICARE LIFE & HEALTH INSURANCE COMPANY AND
EHEALTHINSURANCE SERVICES, INC., DATED OCTOBER 1, 2000, AND THE EXHIBITS THERETO,
ARE EXPIRED ON THEIR TERMS, ARE NO LONGER VALID OR ENFORCEABLE AND
HAVE THEREFORE NOT BEEN INCLUDED AS PART OF THIS FILING. 

 AMENDMENT to 
 Blue Cross of California and Affiliates 
 AGENT AGREEMENT 
 This amendment is entered into, as of October 1, 2001 between Blue Cross of California and its Affiliates (collectively, “Company”) and e-HealthInsurance
Services, Inc. (“Agent”). 
 RECITALS 
  

	 	A.	Company and Agent have previously entered into a Blue Cross of California and Affiliates Agent Agreement (“Agreement”), effective October 1, 2000.

  

	 	B.	Pursuant to Section 6.3 of the Agreement, the parties now desire to modify the Agreement. 

 NOW, THEREFORE, IT IS AGREED: 
 The sale of
any UNICARE Life & Health Insurance Company medical plan in the State of Georgia shall not count toward entitlement for any production bonus to be paid by Company to Agent. 
 Attachment A of the Agreement, attached hereto and incorporated herein by reference, outlining the compensation paid by Company to Agent, shall replace any and all prior versions of Attachment A. 
 Upon acceptance by the parties, this Amendment, as of the date specified above, shall become a part of the Agreement, and all provisions of the Agreement not
specifically inconsistent herewith shall remain in full force and effect. 
  

									
	Company	 		 	Agent
					
	BY:	 	 /s/ [***]
	 		 	BY:	 	  

	NAME:	 	[***]	 		 	NAME:	 	  

	TITLE:	 	SVP, Sales Development	 		 	TITLE:	 	  

	DATE:	 	November XX, 2002	 		 	DATE:	 	  

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

 ATTACHMENT A IS EXPIRED ON ITS
TERMS, IS NO LONGER VALID OR ENFORCEABLE AND HAS THEREFORE NOT BEEN
INCLUDED AS PART OF THE FILING. 

 AMENDMENT to 
 Blue Cross of California and Affiliates 
 AGENT AGREEMENT 
 This amendment is entered into, as of February 1, 2003 between Blue Cross of California and its Affiliates (collectively, “COMPANY”) and eHealthInsurance
Services, Inc. (“EHI”). 
 RECITALS 
  

	 	A.	Company and EHI have previously entered into a Blue Cross of California and Affiliates Agent Agreement (“Agreement”), effective October 1, 2001.

  

	 	B.	Pursuant to Section 6.3 of the Agreement, the parties now desire to modify the Agreement. 

 NOW, THEREFORE, IT IS AGREED: 
  

	 	I.	The following paragraph shall be added in its entirety as paragraph two of section 1.1 of ARTICLE I – GENERAL PROVISIONS 

  

	 	  	Confidentiality and Disclosure of Patient Information: EHI acknowledges that as a result of its relationship with “COMPANY” it may create, have access to or receive
confidential protected health and non-public personal financial information (“PHI”), including, but not limited to, social security numbers, medical records and other individual member identifying information. EHI agrees that it
(a) will not use or further disclose PHI other than as permitted by this Agreement or required by law; (b) will protect and safeguard from any oral and written disclosure all confidential information, both medical and financial, regardless
of the type of media on which it is stored (e.g., paper, fiche, etc.) with which it may come into contact; (c) use appropriate safeguards to prevent use or disclosure of PHI other than as permitted by this Agreement or required by law;
(d) will ensure that all of its subcontractors and sub-agents to which it provides PHI pursuant to the terms of this Agreement shall agree to all of the same restrictions and conditions to which EHI is bound; (e) will report to
“COMPANY” any unauthorized use or disclosure immediately upon becoming aware of it; (f) will indemnify and hold “COMPANY” harmless from all liabilities, costs and damages arising out of or in any manner connected with the
disclosure by EHI or its agents of any PHI; (g) make available PHI in accordance with 45 CFR § 164.254; (h) make available PHI for amendment and incorporate any amendments to PHI in accordance with 45 CFR § 164.526; (i) make
available the information required to provide an accounting of disclosures in accordance with 45 CFR § 164.528; (j) make its internal practices, books and records relating to the use and disclosure of PHI received from or created for
“COMPANY” available to the Secretary of Health and Human Services, governmental officers and agencies and “COMPANY” as required for purposes of determining compliance with 45 CFR §§ 164.500-534; (k) upon
termination of this Agreement for whatever reason, EHI will return or destroy all PHI, if feasible, received from or created for “COMPANY” which EHI maintains in any form, and will retain no copies of such information, or if such return or
destruction is not feasible, to extend the precautions of this Agreement to the information and limit further uses and disclosures to those purposes that make the return 

	 	  	or destruction of the information infeasible; (1) will comply with all applicable laws and regulations, specifically including the privacy and security standards of the Health
Insurance Portability and Accountability Act of 1996 (“HIPAA”) (45 C.F.R Parts 160-164), Title V of the Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et. seq.) and applicable state legislation and regulations, as amended from time
to time, and (m) EHI will not develop any list, description or other grouping of individuals using financial information received from or on behalf of “COMPANY”, except as permitted by this agreement or in writing by
“COMPANY”. EHI recognizes that any breach of confidentiality or misuse of information found in and/or obtained from records may result in the termination of this Agreement and/or legal action. Unauthorized disclosure may give rise to
irreparable injury to the member or to the owner of such information and accordingly the member or owner of such information may seek legal remedies against EHI. 

  

	 	  	If EHI and “COMPANY” exchange data electronically, EHI will comply, and will require any subcontractor or sub-agent involved in the electronic exchange of data, to comply
with the following: 

  

	 	a.	EHI shall provide, and shall require its sub-agents and subcontractors to provide, security for all data that is electronically exchanged between “COMPANY” and EHI.

  

	 	b.	EHI shall implement and maintain, and shall require its sub-agents and subcontractors to implement and maintain, appropriate and effective administrative, technical and physical
safeguards to protect the security, integrity and confidentiality of data electronically exchanged between “COMPANY” and EHI, including access to data as provided herein. 

  

	 	c.	EHI and any sub-agents and subcontractors shall keep all security measures current and shall document its security measures implemented pursuant to this Section V in written
policies, procedures or guidelines. 

  

	 	II	ARTICLE IV – DISPUTE RESOLUTION Section 4.1 shall be replaced in its entirety with the following: 

  

	 	  	4.1 “Company” and EHI agree to meet and confer in good faith on all matters affecting this Agreement. The parties agree that any unresolved dispute will be resolved by
binding arbitration in accordance with the Commercial Rules of the American Arbitration Association or equivalent. 

  

	 	III	The attached commission schedule, attached as Attachment A, and incorporated herein by reference, shall replace the existing commission schedule. 

  

					
		 	eHealthInsurance Services, Inc.
			
		 	By:	 	 /s/ Nitin M. Patel

		 	Name:	 	Nitin M. Patel
		 	Title:	 	Vice President
		 	Date:	 	3/13/03

			
	 Blue Cross of California
 on its behalf and on behalf of its affiliates
 comprising the
“Company”

		
	 By:
	 	  

	 Name:
	 	 [***]

	 Title:
	 	 Senior Vice President

		
	 Date:
	 	  

	
	 UNICARE Life & Health Insurance Company
 on its behalf and on behalf of its affiliates
 comprising the “Company”

		
	 By:
	 	  

	 Name:
	 	 [***]

	 Title:
	 	 Senior Vice President

		
	 Date:
	 	  

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

 Attachment A 
 COMPENSATION 
 Blue Cross of California 
  

							
	 Individual Medical Plans (<64.5)
	  	 First Year
	  	[***] & [***] Year	  	[***] Year and longer
				
	 Level I
	  	 [***]%
	  	[***]%	  	[***]%
				
	 Level I+20
	  	 [***]%
	  	[***]%	  	[***]%
				
	 Level I+50
	  	 [***]%
	  	[***]%	  	[***]%
				
	 Level I+75
	  	 [***]%
	  	[***]%	  	[***]%
				
	 Level I+100
	  	 [***]%
	  	[***]%	  	[***]%
				
	 Level III
	  	 $[***][***] commission
	  		  	
				
	 [***] Medical Plans
	  	 [***]%
	  	[***]	  	[***]
				
	 HIPAA Guarantee Issue
	  	 [***]%
	  	[***]%	  	[***]%
				
	 	  	 First Year
	  	 	  	Renewal
				
	 BC Life & Health Term Life Insurance
	  	 [***]%
	  		  	[***]%
				
	 Dental Plan
	  	 [***]%
	  		  	[***]%
				
	 	  	 Annualized Premium
	  	 	  	First Year/Renewal
				
	 Small Group Medical Plans
 ([***] or fewer employees)
	  	
 [***]-[***]
	  		  	[***]%
				
		  	 [***]-[***]
	  		  	[***]%
				
		  	 [***]-[***]
	  		  	[***]%
				
		  	 [***]-[***]
	  		  	[***]%
				
		  	 [***]-[***]
	  		  	[***]%
				
		  	 [***]-[***]
	  		  	[***]%
				
		  	 [***]-and over
	  		  	[***]
				
	 Group Dental
	  		  		  	[***]%
				
	 Group Life
	  		  		  	[***]%
			
	UNICARE Life & Health Insurance Company	  		  	
				
	 Individual Medical Plans (<64.5)
	  	 First Year
	  	[***] & [***] Year	  	[***] Year and longer
				
		  	 [***]%
	  	[***]%	  	[***]%
				
	 [***] Medical Plans
	  	 [***]%
	  	[***]	  	[***]
				
	 HIPAA Guarantee Issue
 (Nevada and Virginia ONLY)
	  	 [***]%
	  	[***]%	  	[***]%
				
	  	  	 First Year
	  	 	  	Renewal
				
	 UNICARE Term Life Insurance
	  	 [***]%
	  		  	[***]%
				
	 Dental Plan
	  	 [***]%
	  		  	[***]%

  

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

							
				
	 	  	 Annualized
 Premium
	  	 	  	 First Year/
 Renewal

	 Small Group Medical Plans
	  	 [***]-[***]   
	  		  	[***]%
	 (50 or fewer employees)
	  	 [***]-[***]   
	  		  	[***]%
		  	 [***]-[***]   
	  		  	[***]%
		  	 [***]-[***]   
	  		  	[***]%
		  	 [***]-[***]   
	  		  	[***]%
		  	 [***]-[***]   
	  		  	[***]%
		  	 [***]-an over
	  		  	[***]    
	 Group Dental
	  		  		  	[***]%
	 Group Life
	  		  		  	[***]%

 [***] Bonus 
 Company will pay EHI a [***] bonus based upon the following: 
 Year [***] [***] 
 A bonus of $[***]
per subscriber will be paid [***] upon EHI selling between [***] and [***] [***] contracts within the [***] [***] months of this Agreement OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling between [***] and [***] [***] contracts within the [***] [***] months of this Agreement OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling [***] or more [***] contracts within the [***] [***] months of this Agreement. 
 Year [***] [***]-[***] 
 A bonus of
$[***] per [***] will be paid [***] upon EHI selling between [***] and [***] [***] contracts within months [***] through [***] of this Agreement OR, 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling between [***] and [***] [***] contracts within months [***] through [***] of this Agreement OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling [***] or more [***] contracts within months [***] through [***] of this Agreement. 
 Year [***] [***] 
 A bonus of $[***]
per [***] will be paid [***] upon EHI selling between [***] and [***] [***] contracts within months [***] through [***] of this Agreement OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling between [***] and [***] [***] contracts within months [***] through [***] of this Agreement OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling between [***] or more [***] contracts within months [***] through [***] of this Agreement. 
 All [***] contracts must be in force for at least [***] days. Retroactive cancellations back to the original effective date are not eligible. [***] sales are not counted
toward bonus thresholds. 
  

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

 AMENDMENT SIX 
 TO 
 AGENT AGREEMENT 
 WHEREAS, Blue Cross of California, and BC Life and Health Insurance Company, UNICARE Life & Health Insurance Company, UNICARE Health Insurance
Company of the Midwest and UNICARE Health Plans of the Midwest (collectively, “Company”) and eHealthInsurance Services, Inc. (“EHI”) are parties to an Agent Agreement dated October 1,2000 (the “Agreement”).

 WHEREAS, this Amendment six is entered into pursuant to Article 6.3 of the Agreement, which states that modifications to the Agreement
shall be put in writing and agreed to by both parties. When signed below by an authorized representative of each party, this Amendment shall constitute such writing. All unmodified terms and conditions of the Agreement shall remain in full force and
effect. Wherever possible, the terms of this Amendment shall be read in such a manner so as to avoid conflict with the Agreement, but in the event of an unavoidable conflict, the terms of the Agreement shall control over the terms of this Amendment.
All capitalized terms set forth herein shall have the same meaning as defined in the Agreement or this Amendment. 
 NOW THEREFORE, the
parties mutually agree to the following: 
 1. Performance Bonus. As additional compensation, Company will pay EHI a Performance Bonus
incentive in the amount set forth in Exhibit A of this Amendment, which is attached to and made part of the Agreement. 
 2. Term. The
Effective Date of this Amendment shall be January 1,2004. This Amendment will terminate on December 31, 2006 without terminating the Agreement. 
 IN WITNESS HEREOF, the parties have caused this Amendment Four to be executed as of the dates set forth below. 
  

					
		 	eHealthInsurance Services, Inc.
			
		 	By:	 	 /s/ Robert L. Fahlman

		 	Name:	 	Robert L. Fahlman
		 	Title:	 	Senior Vice President - COO
		 	Date:	 	4.9.04

  

 1 

					
		 	 Blue Cross of California
 on its
behalf and on behalf of its affiliates
 comprising the “Company”

			
		 	By:	 	 [***]

		 	Name:	 	[***]
		 	Title:	 	Senior Vice President
			
		 	Date:	 	3-24-04
		
		 	 UNICARE Life and Health Insurance Company
 on its behalf and on behalf of its affiliates
 comprising the “Company”

			
		 	By:	 	 [***]

		 	Name:	 	[***]
		 	Title:	 	Senior Vice President
			
		 	Date:	 	3-24-04

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 2 

 EXHIBIT A 
 PERFORMANCE BONUS 
 [***] Bonus Incentive 
 Effective January 1, 2004 through December 31, 2006 
 Company will pay EHI a [***] bonus based upon the following: 
 Blue Cross of California/BC Life & Health Insurance Company [***] Bonus (based on [***] for both companies) ([***], excluding [***]). 
 Year [***] 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling between [***] and [***]
[***] contracts within the [***] [***] months of this Agreement OR 
 A bonus of $[***] per [***] will be paid one time upon EHI selling
between [***] and [***] [***] contracts within the [***] [***] months of this Agreement OR 
 A bonus of $[***] per [***] will be paid [***]
upon EHI selling [***] or more [***] contracts within the [***] [***] months of this Agreement. 
 Year [***] 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling between [***] and [***] [***] contracts within months [***] through [***] of this Agreement
OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling between [***] and [***] [***] contracts within months [***]
through [***] of this Agreement OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling [***] or more [***] contracts within
months [***] through [***] of this Agreement. 
 Year [***] 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling between [***] and [***] [***] contracts within months [***] through [***] of this Agreement OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling between [***] and [***] individual contracts within months [***] through [***] of this Agreement
OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling [***] or more [***] contracts within months [***] through [***] of this
Agreement. 
 BC Life & Health Insurance Company [***] Policies 
 To be determined if eHealthInsurance.com is interested in actively pursuing sales of BC Life & Health Insurance Company [***] policies. 
  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 1 

 UNICARE [***] Bonus (based on aggregate production for [***] UNICARE [***] [***]) ([***], excluding [***]).

 Year [***] 
 A bonus of $[***] per [***]
will be paid [***] upon EHI selling between [***] and [***] [***] contracts within the [***] [***] months of this Agreement OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling between [***] and [***] [***] contracts within [***] [***] months of this Agreement OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling [***] or more [***] contracts within the [***] [***] months of this Agreement. 
 Year [***] 
 A bonus of $[***] per [***] will be paid
[***] upon EHI selling between [***] and [***] [***] contracts within months [***] through [***] of this Agreement OR 
 A bonus
of $[***] per [***] will be paid [***] upon EHI selling between [***] and [***] [***] contracts within months [***] through [***] of this Agreement OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling [***] or more [***] contracts within months [***] through [***] of this Agreement. 
 Year [***] 
 A bonus of $[***] per [***] will be paid [***] upon EHI selling between [***] and [***]
[***] contracts within months [***] through [***] of this Agreement OR 
 A bonus of $[***] per [***] will be paid [***] upon EHI
selling between [***] and [***] [***] contracts within months [***] through [***] of this Agreement OR 
 A bonus of $[***] per
[***] will be paid [***] upon EHI selling [***] or more [***] contracts within months [***] through [***] of this Agreement. 
 UNICARE Production Bonus [***] products 
 To be determined if eHealthInsurance.com is interested in actively pursuing sales of UNICARE
[***] policies. 
 All [***] contracts must be in force for at least [***] days. Retroactive cancellations back to the original effective date and
rescissions are not eligible and will be debited from production. 
  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

  

 2 

 Blue Cross of California and Affiliates 
 Amendment to 
 AGENT AGREEMENT 
 Certain Agent Agreement(s) by and among Blue Cross of California, BC Life and Health Insurance Company and Affiliates (collectively, “Company”) and
eHealthInsurance Services, Inc. (“Agent”) for valuable consideration the adequacy and sufficiency of which is acknowledged by the parties is hereby amended effective December 1, 2005 as follows: 
 RECITALS 
  

	 	A.	This Amendment outlines support and limitations to support from Company with regards to electronic applicant data being passed from Agent to Company. This Amendment amends the
current Agent Agreements for each Company brand and the Blue Cross of California and Affiliates Strategic Partnership Agreement currently in force and as may later otherwise be amended and shall be a part thereof. All provisions thereof not
specifically inconsistent herewith shall remain in full force and effect. Any and all such agreements shall be referred to herein as the “Agreement.” 

  

	 	B.	Company as used in this Agreement refers jointly and severally to Blue Cross of California, BC Life and Health Insurance Company and their affiliates, and any other WellPoint
subsidiaries that are a party to the Agreement, as the context and circumstances may require. 

 ARTICLE I – GENERAL PROVISIONS

  

	 	A.	Company and Agent shall comply with all laws and regulations applicable to their businesses, their licenses, appointments and the transactions into which they enter in connection
with this Agreement. 

  

	 	B.	Neither Company nor Agent shall be liable to any third party for an act or failure to act of the other party to this Agreement. 

 ARTICLE II – OBLIGATIONS OF AGENT 
  

	 	A.	When Agent and Company exchange data electronically, Agent will comply with the following: 

  

	 	1.	Agent shall comply, and shall require its sub-agents and subcontractors to comply with the following data transmission specifications and security standards specified by Company for
all data that is electronically exchanged between Company and Agent: Agent to transmit application data to Company via [***] in format specified in [***] (dated October 21, 2003) and WellPoint [***] to connect securely to the Agent site to
obtain [***]. Both exchanges to use [***] with [***]., and to comply with all legislative and regulatory requirements including, but not limited to, HIPAA. 

  

	 	2.	Agent shall implement and maintain, and shall require its sub-agents and subcontractors to implement and maintain, appropriate and effective administrative, technical and physical
safeguards to protect the security, integrity and confidentiality of data electronically exchanged between Company and Agent, including access to 

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION. 

 data as provided herein. Agent shall assume sole responsibility for ensuring all data electronically
transmitted to Company exactly matches the data provided in the application image sent to Company. 
  

	 	3.	Agent and any sub-agents and subcontractors shall keep all security measures in accordance with Agent’s responsibilities under the Amendment to Blue Cross of California and
Affiliates Agent Agreement dated February 1, 2003 (Business Associate Agreement). 

  

	 	B.	Agent agrees to immediately suspend data transmission activity whenever technical issues arise that could result in loss of data integrity, and correct the issues before resuming
data transmission. 

 ARTICLE III – OBLIGATIONS OF Company 
  

	 	A.	Agent shall have the opportunity to transmit applicant data to Company to expedite the Underwriting process. 

  

	 	B.	Company will provide Agent with requirements for data to be transmitted. Requirements include data format, required fields, security standards, and manner of submission.

 ARTICLE III – TERM & TERMINATION: 
  

	 	A.	This Amendment shall become effective following execution by Agent on the date approved by a duly authorized representative of Company as indicated below, and shall continue in
effect until terminated as described below. 

  

	 	A.	Termination and Modification: This Amendment may be terminated at any time by Agent or Company by giving [***] ([***]) days prior written notice thereof to the other party. Any
such termination of this Amendment shall not necessarily terminate the Agreement. 

  

	 	C.	Either Party may terminate this Amendment immediately upon written notice to the other Party at any time for such Party’s failure to comply with any provision of this
Amendment, the Agreement, or commission of fraud, dishonesty, or breach of any fiduciary duty. Such termination shall, at the terminating Party’s option also constitute termination of the Agreement for cause. 

 To signify agreement, the authorized parties have signed below: 
  

									
	Company	 		 	Agent/Agency
					
	BY:	 	 [***]
	 		 	BY:	 	 /s/ Robert L. Fahlman

	NAME:	 	[***]	 		 	NAME:	 	Robert L. Fahlman
	TITLE:	 	Staff Vice President, Strategic Sales	 		 	TITLE:	 	Sr. VP & COO
	DATE:	 	12/27/05	 		 	DATE:	 	1.3.05

  

	[***]	CONFIDENTIAL MATERIAL REDACTED AND FILED SEPARATELY WITH THE COMMISSION.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00102-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00102-of-00352.parquet"}]]