Document:

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                                                                   EXHIBIT 10.63

                           SOFTWARE LICENSE AGREEMENT
                          (INSUR-WEB AND INSUR-ENROLL)

         This Software License Agreement (this "Agreement") is made and entered
into by and between HealthAxis.com, Inc., a Pennsylvania corporation
("HealthAxis"), and UICI, a Delaware corporation ("UICI").

         WHEREAS, UICI and HealthAxis, as successor by merger to Insurdata
Incorporated, are parties to that certain Information Technology Services
Agreement dated January 3, 2000 (the "UICI Master Services Agreement"), pursuant
to which HealthAxis provides UICI and its affiliates various information
technology services as more particularly provided therein; and

         WHEREAS, HealthAxis provides a variety of software and web-enabling
technology solutions for the distribution and administration of health insurance
products which are not covered by, and expressly excluded from, the UICI Master
Services Agreement; and

         WHEREAS, UICI now desires to license certain of such software and
web-enabling technology from HealthAxis for use by UICI and its affiliates, all
as more particularly provided hereinbelow.

         NOW, THEREFORE, for and in consideration of the mutual covenants and
agreements contained herein, and other good and valuable consideration, the
receipt and sufficiency of all of which are hereby acknowledged and confessed,
HealthAxis and UICI do hereby agree as follows:

                                    ARTICLE I
                                LICENSED SOFTWARE

As used in this Agreement, the term "Licensed Software" shall mean the
HealthAxis Insur-Web and Insur-Enroll proprietary software and technology
solutions as more particularly described in Exhibit "A" attached hereto. The
Licensed Software includes any and all modifications, enhancements and future
revisions of such software, regardless of the form in which they are made
available, which are provided by HealthAxis to UICI pursuant to this Agreement.

                                   ARTICLE II
                        LICENSE AND AGREEMENTS REGARDING
                          USE OF THE LICENSED SOFTWARE

HealthAxis and UICI hereby agree to the following terms and conditions with
regard to the licensing and use of the Licensed Software by UICI:

2.1 GRANT OF LICENSE. In consideration of the payment by UICI of the License Fee
as provided in Section 4.1 below, HealthAxis does hereby grant to UICI and its
Authorized Affiliates (as hereinafter defined) an enterprise-wide, perpetual
license to use, modify, enhance, and make derivative works of the Licensed
Software, in all cases solely and exclusively for use

Software License Agreement - Page 1
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in and in connection with UICI and its Authorized Affiliates' direct
distribution and administration of their own health insurance products and
related services on systems owned and operated by UICI and/or such Authorized
Affiliates. For purposes of this Agreement, the term "Authorized Affiliate"
shall mean any entity in which UICI is the legal or beneficial owner of a
majority of the voting ownership interests on a fully diluted basis. The license
granted in this Section 2.1 includes both the source and object code versions of
the Licensed Software, and shall be non-exclusive. Subject to payment by UICI of
the monthly Maintenance Fees as provided below, the license granted herein
includes all updates and future releases of the Licensed Software to be provided
to UICI and the Authorized Affiliates promptly upon release. UICI and its
Authorized Affiliates shall have no right to sublicense or otherwise distribute
the Licensed Software.

2.2 DELIVERY AND SOURCE CODE RELEASE. Simultaneously with receipt of payment of
the License Fee, HealthAxis will deliver to UICI the current version of the
Licensed Software, in source and object code version, which shall be available
for immediate use by UICI and its Authorized Affiliates. UICI's use of the
source code of the Licensed Software shall be limited to the right to modify and
make derivative works thereof for its own use, and in all cases solely and
exclusively for use by UICI and the Authorized Affiliates in and in connection
with UICI and the Authorized Affiliates' direct distribution and administration
of their own health insurance products on systems owned and operated by UICI
and/or the Authorized Affiliates in accordance with the terms, conditions and
provisions of the license granted in this Agreement. UICI and the Authorized
Affiliates shall not have the right to otherwise use the source code or the
Licensed Software, or to sublicense, deliver, distribute or disclose the
Licensed Software to any third party whatsoever except with respect to third
parties performing services on behalf of UICI who have agreed in writing, using
a form approved by HealthAxis, to maintain the confidentiality of the source
code and to otherwise use same solely in accordance with the terms, conditions
and provisions of this Agreement for and on behalf of UICI and the Authorized
Affiliates, and not otherwise.

2.3 NON-DISCLOSURE OF SOURCE CODE. UICI and each Authorized Affiliate shall take
appropriate action by instruction, agreement, or otherwise, with any employees
who are permitted access to the source code of the Licensed Software to inform
such persons of the confidential and proprietary nature thereof, and to have
appropriate agreements with such employees to satisfy the obligations under this
Agreement with respect to use, copying, modification, protection, and security
of the source code. UICI agrees to immediately report to HealthAxis any and all
breaches of the confidential nature of the source code committed by it or its
Authorized Affiliates or any of their employees, agents, or other persons
obtaining access to the Licensed Software through them, and agrees to cooperate
with HealthAxis in the event any dispute or litigation arises concerning the
matters covered in this Section 2.3. UICI HEREBY AGREES THAT THE LIMITATIONS OF
LIABILITY CONTAINED IN SECTION 8.1 HEREIN SHALL NOT APPLY WITH RESPECT TO ANY
CLAIMS, LOSSES OR DAMAGES SUFFERED OR INCURRED BY HEALTHAXIS AS A RESULT OF
UICI'S OR ANY AUTHORIZED AFFILIATE'S, OR ANY OF THEIR EMPLOYEE'S WRONGFUL USE OR
DISCLOSURE OF THE SOURCE CODE OF THE LICENSED SOFTWARE, OR INTENTIONAL
DISCLOSURE OF, OR FAILURE TO PROTECT, THE SOURCE CODE OF THE LICENSED SOFTWARE
AS REQUIRED HEREIN.

Software License Agreement - Page 2
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                                   ARTICLE III
                MAINTENANCE AND SUPPORT OF THE LICENSED SOFTWARE

In consideration of, and subject to, the payment by UICI of the monthly
Maintenance Fees as provided in Section 4.2 below, HealthAxis will provide the
following maintenance and support to UICI and the Authorized Affiliates with
regard to the Licensed Software in a timely and professional manner. The
provisions of this Article III apply to the Licensed Software only, and are not
applicable with respect to other customized software or services provided by
HealthAxis, or any third party software, the maintenance and support of all of
which shall be governed by the provisions of Article V of this Agreement to the
extent provided or supported by HealthAxis:

3.1 PRODUCT SUPPORT. Product support will be provided through the HealthAxis
Customer Care Unit (CCU). UICI and its Authorized Affiliates will provide their
agents, employees and other end-users with 1st level technical and product usage
support for the HealthAxis technology components. The CCU will be available to
provide 2nd level support to an identified primary and secondary contact within
UICI and each Authorized Affiliate. 2nd Level Support includes the logging of
change requests, the management of fault reports, and aid in resolution of usage
issues. HealthAxis will resolve reported problems in a timely fashion and in
accordance with the performance standards set forth in the HealthAxis
Operational Procedures Guide as published from time to time.

3.2 UPGRADES AND NEW VERSIONS. In consideration of, and subject to, the payment
by UICI of the Maintenance Fees, HealthAxis will provide to UICI and the
Authorized Affiliates, without further charge, the standard enhancements,
upgrades and new release versions of the Licensed Software ("New Version") that
may be developed by HealthAxis together with standard documentation. To the
extent retrofitting is required as a result of UICI or Authorized Affiliate
customizations of standard product, such retrofitting of any New Version is not
included and will be provided only in accordance with Article V.

3.3 PRODUCT DEVELOPMENT. UICI and HealthAxis will meet not less often than twice
per year at such times and places as the parties mutually agree to discuss
HealthAxis' development plans and any maintenance and support problems.
HealthAxis will make reasonable efforts to accommodate UICI's requests for
product modifications or enhancements. If UICI requests modifications or
enhancements that are not within HealthAxis' standard upgrade plans, HealthAxis
will so inform UICI and HealthAxis will not be obligated to make such
modifications or enhancements unless UICI and HealthAxis agree to a mutually
acceptable financial arrangement and any associated agreed restrictions or
provisions regarding the further licensing and/or use of such modifications or
enhancements for any third party. HealthAxis further agrees that during the term
of this Agreement it will update, modify and maintain the Licensed Software so
that it remains compatible with the major hardware platform on which the current
version of the Licensed Software operates.

3.4 FUTURE DELIVERABLES. HealthAxis will deliver New Versions to UICI no later
than the time HealthAxis releases such products in final release form to any
other person or entity,

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together with any related documentation, for testing and acceptance in
accordance with the Operational Procedures Guide and the HealthAxis standard
change control procedures.

                                   ARTICLE IV
                          LICENSE AND MAINTENANCE FEES

4.1 LICENSE FEE. In consideration of grant of the license by HealthAxis as
provided in Article II hereof, UICI shall pay to HealthAxis the license fee (the
"License Fee") as provided in Part I of Exhibit "B" attached hereto. The License
Fee is a one-time charge for the perpetual license granted herein, and is due
and payable in full by wire transfer simultaneously with the execution of this
Agreement; provided however, that if at any time during the first twenty-four
(24) months following execution hereof, UICI elects for any reason, or no
reason, to cease all use of the Licensed Software and to terminate this
Agreement, then UICI shall be entitled to a refund of a prorated portion of the
License Fee in an amount determined by multiplying the total License Fee paid by
a fraction, the numerator of which shall be the number of whole months remaining
in such twenty-four (24) month period, and the denominator of which shall be
twenty-four (24).

4.2 MAINTENANCE FEES. In consideration of the maintenance and support to be
provided in accordance with Article III hereof, UICI shall pay to HealthAxis the
monthly maintenance fees (the "Maintenance Fees") as provided in Part II of
Exhibit "B" attached hereto. The Maintenance Fees shall commence effective with
the first live use by UICI or any Authorized Affiliate of any module or portion
of the Licensed Software and shall be payable each month thereafter for so long
as UICI elects to have maintenance and support provided by HealthAxis. UICI may
elect to discontinue the maintenance and support it receives from HealthAxis
under this Agreement by providing thirty (30) days' written notice to
HealthAxis. If UICI elects to discontinue maintenance and support at any time,
HealthAxis shall no longer be obligated to provide same under Article III, and
HealthAxis shall not be obligated to reinstate the maintenance and support
services if UICI subsequently desires to reinstate same following the initial
discontinuance by UICI. HealthAxis will invoice UICI on a monthly basis for the
Maintenance Fees. Payment on all invoices shall be due net 30 days. The
Maintenance Fees are earned each month, and are non-refundable under any
circumstances.

                                    ARTICLE V
                              PROFESSIONAL SERVICES

It is anticipated that UICI and various Authorized Affiliates will engage
HealthAxis from time to time to provide consulting, design, development,
integration, operations and other information technology services in connection
with their use of the Licensed Software, including services which are requested
by UICI and/or any Authorized Affiliate from time to time in order to (i)
facilitate the integration of the Licensed Software with each of their
respective operations, (ii) otherwise assist in any new software, equipment, or
business partner integration related thereto, (iii) assist in making
enhancements or modifications to the Licensed Software as may be requested by
UICI or any Authorized Affiliate, (iv) assist in the acquisition and
installation of any third-party hardware, software and/or equipment to be
utilized in connection with the Licensed Software, and (v) undertake any
additional assignments which UICI or any Authorized

Software License Agreement - Page 4

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Affiliate may request regarding their particular use of the Licensed Software
(collectively, the "Professional Services"). In such instances, all such
Professional Services will be provided pursuant to the terms, conditions and
provisions of the UICI Master Services Agreement, and are expressly excluded
from the subject matter of this Agreement.

                                   ARTICLE VI
                           REPRESENTATIONS, WARRANTIES
                              AND OTHER AGREEMENTS

6.1      WARRANTIES AND DISCLAIMERS.

     (a) HealthAxis hereby represents and warrants that HealthAxis has and will
         have title to the Licensed Software, and, subject to the limitations as
         set forth in Section 8.1 hereof, agrees to indemnify and hold UICI and
         the Authorized Affiliates harmless from any and all damages, liability,
         loss, costs or expenses, including, but not limited to, reasonable
         attorneys' fees, arising out of or resulting from any actual patent,
         copyright, or trade secret claim or action against UICI and/or the
         Authorized Affiliates regarding the Licensed Software.

     (b) Subject to payment of the Maintenance Fees by UICI as they become due
         and payable, HealthAxis warrants that all of the base Licensed Software
         will be free of bugs and defects and perform in accordance with the
         documentation pertaining thereto, and that HealthAxis will promptly
         correct any such bugs or defects in accordance with the provisions of
         Article III above at no additional cost to UICI.

6.2 TITLE; COPYRIGHT; AND SUBSEQUENT USE AND LICENSING BY HEALTHAXIS. All rights
in and title to the Licensed Software, and all modifications, enhancements,
upgrades and derivative works pertaining thereto, including all New Versions,
remain the property of HealthAxis, including all copyrights and other
intellectual property rights. UICI hereby acknowledges and agrees that the
license granted herein is non-exclusive, and that HealthAxis may license or
otherwise grant or assign rights in the Licensed Software to third parties
and/or incorporate and/or use derivatives of any such software in other products
or other software to be developed by HealthAxis for its own products, or in
products to be developed by HealthAxis for third parties for use in products or
service offerings which may compete with those of UICI and/or the Authorized
Affiliates, or in products which are distinctly different.

6.3 EXCLUDED ITEMS. UICI understands, acknowledges and agrees that the license
granted herein pertains to software developed by HealthAxis only, and does not
include a license to any third party software or intellectual property which may
be necessary or desirable for use in establishing the platform and environment
in which the Licensed Software is designed to operate. UICI and/or the
Authorized Affiliates shall be solely responsible for obtaining and maintaining
such third party software and intellectual property rights, at their sole cost
and expense. UICI and the Authorized Affiliates shall have no rights whatsoever
with respect to any other HealthAxis software or products not expressly licensed
herein. In the event UICI or any Authorized Affiliate subsequently desires to
license any other HealthAxis software, then the

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parties will negotiate in good faith to determine the terms upon which
HealthAxis will agree to license any of same to UICI or the Authorized
Affiliate.

6.4 WAIVER OF MOST FAVORED NATIONS PRICING. UICI acknowledges that the License
Fee as provided for herein represents the current HealthAxis standard rate for
same, and that other third party customers of HealthAxis may now or hereafter
receive more favorable pricing terms from HealthAxis for the license fees
payable by such parties for the Licensed Software. In connection therewith, UICI
hereby waives the "Most Favored Nations Pricing" provision contained in Section
11.7 of the UICI Master Services Agreement as it may apply to the License Fee
provided for in this Agreement. Except for the express waiver contained in the
preceding sentence with respect to the Licensed Software, the Most Favored
Nations Pricing provision shall continue in full force and effect, including
with respect to the Maintenance Fees payable in accordance with this Agreement.

                                   ARTICLE VII
                              TERM AND TERMINATION

7.1 TERM. This Agreement shall be effective upon the date of full execution
hereof and shall continue for the term of the license granted herein as provided
in Section 2.1, unless terminated sooner in accordance with this Article VII.

7.2      TERMINATION.  This Agreement may be terminated as follows:

     (a) Upon mutual written agreement between HealthAxis and UICI;

     (b) During the initial twenty-four (24) month period following the
         execution hereof, UICI may terminate this Agreement for any reason or
         no reason, in its sole and absolute discretion, in which event UICI
         will be entitled to a refund of a prorated portion of the License Fee
         as provided in Section 4.1 hereof. Thereafter, this Agreement may be
         terminated by UICI at any time following a material breach by
         HealthAxis of any provision of this Agreement, and such breach
         continues for sixty (60) days following written notice from UICI to
         HealthAxis of UICI's intent to terminate for such cause; or

     (c) By HealthAxis (i) at any time if UICI fails to pay any amounts due to
         HealthAxis under this Agreement, on or before the due date therefor,
         and such failure continues for thirty (30) days following written
         notice from HealthAxis to UICI of HealthAxis' intent to terminate for
         non-payment, or (ii) at any time following a material breach by UICI of
         any other provision of this Agreement, and such breach continues for
         sixty (60) days following written notice from HealthAxis to UICI of
         HealthAxis' intent to terminate for such cause.

7.3 TERMINATION OF LICENSE. In the event of termination of this Agreement, UICI
shall have no further right to continue use of the Licensed Software and shall
immediately return all copies of same and documentation pertaining thereto to
HealthAxis.

Software License Agreement - Page 6

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                                  ARTICLE VIII
                                  MISCELLANEOUS

8.1 LIMITATIONS OF LIABILITY. EXCEPT FOR THE EXPRESS WARRANTIES SET FORTH IN
ARTICLE VI ABOVE, HEALTHAXIS GRANTS NO WARRANTIES, WHETHER EXPRESS OR IMPLIED,
WITH REGARD TO ANY LICENSED SOFTWARE OR SERVICES, INCLUDING ANY IMPLIED
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE STATED
EXPRESS WARRANTIES ARE IN LIEU OF ALL LIABILITIES OR OBLIGATIONS OF HEALTHAXIS
FOR DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, USE, OR
PERFORMANCE OF THE LICENSED SOFTWARE. IN NO EVENT SHALL EITHER PARTY BE LIABLE
FOR INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOSS OF PROFITS, LOSS OF USE
OR DATA, OR INTERRUPTION OF BUSINESS SUFFERED OR INCURRED BY THE OTHER OR ANY
OTHER PARTY, WHETHER SUCH DAMAGES ARE LABELED IN TORT, CONTRACT, OR INDEMNITY.
EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT, IN NO EVENT OR CIRCUMSTANCE
WHATSOEVER SHALL EITHER PARTY BE LIABLE OR OBLIGATED TO THE OTHER IN CONTRACT,
TORT OR OTHERWISE FOR ANY AMOUNT IN EXCESS OF THE AMOUNT OF THE ACTUAL PAYMENTS
MADE BY UICI TO HEALTHAXIS DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY
PROCEEDING THE EVENT OR OCCURENCE GIVING RISE TO SUCH LIABILITY, EACH PARTY'S
MAXIMUM LIABILITY HEREUNDER BEING HEREBY LIMITED TO SUCH AMOUNT.

8.2 CONFIDENTIALITY. HealthAxis and UICI hereby warrant that all information
communicated to it by the other party, whether before or after the effective
date (the "Confidential Information") will be and, shall be received in strict
confidence, and will be used only for purposes of this Agreement, and that no
Confidential Information will be disclosed by the recipient party, its agents,
contractors or employees without the prior written consent of the other party.
Each party agrees to use the same means it uses to protect its own Confidential
Information, but in any event not less than reasonable means, to prevent the
disclosure of such information to outside parties. However, neither party will
be prevented from disclosing information to its counsel or regular public
accountants, or from disclosing information which belongs to such party, or is
(i) already known by the recipient party without an obligation of
confidentiality other than pursuant to this Agreement; (ii) publicly known or
becomes publicly known through no unauthorized act of the recipient party; (iii)
rightfully received from a third party; (iv) independently developed without use
of the other party's Confidential Information; (v) disclosed without similar
restrictions to a third party by the party owning the Confidential Information;
(vi) approved by the other party for disclosure; or (vii) required to be
disclosed pursuant to a requirement of a governmental agency or legal
requirement if the disclosing party provides the other party with notice of this
requirement prior to disclosure.

8.3 DISPUTE RESOLUTION AND ARBITRATION. Any issue or dispute between the parties
arising out of or related to this Agreement or its alleged breach that is not
resolved between the parties shall be referred to arbitration in accordance with
the provisions of this Section. Any such

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unresolved issue, dispute or claim shall be resolved exclusively by final and
binding arbitration in accordance with the Commercial Arbitration Rules of the
American Arbitration Association. Demand for arbitration must be made within
either one year after the discovery of the claim on which the demand is based,
or one year from the date of termination of this Agreement if discovered after
termination. If the claiming party fails to demand arbitration within the
applicable one year period specified in the preceding sentence, the claim shall
be deemed to be waived and shall be barred from either arbitration or
litigation. Either party may invoke arbitration of an issue by serving on the
other party a written notice of arbitration, which shall specify with reasonable
detail (1) the issue in dispute, (2) the claims asserted, and (3) the remedy
sought by the party invoking arbitration. Each party shall appoint one
arbitrator to arbitrate the subject issue. The arbitrators shall be appointed
within fifteen (15) days of the date of the foregoing described notice. If one
party fails or refuses to appoint an arbitrator, then the first arbitrator
appointed shall appoint a second arbitrator. Within thirty (30) days of the last
of those appointments, the two arbitrators shall appoint a third arbitrator.
Each party appointing an arbitrator or for whom an arbitrator is appointed shall
bear all costs and expenses associated with that arbitrator, and the cost and
expenses associated with the third arbitrator shall be shared equally by the
parties. The arbitration hearing shall be held in the Dallas, Texas area. Within
ten (10) days after the conclusion of the arbitration proceeding, the
arbitrators shall render a written decision of the arbitration and state the
reasons for the award and decision. The arbitrators may award costs, including
attorney's fees, to the prevailing party. The decision of the arbitrators is
binding on the parties, and after the completion of the arbitration, a party to
the arbitration may not institute litigation to reverse the decision of the
arbitrators. It may, however, institute litigation in any court of competent
jurisdiction to enforce the claim or issue determined by the arbitration
proceeding.

The parties agree that the only circumstance in which disputes between them
shall not be subject to the provisions of this Section 8.3 is where a party
makes a good faith determination that a breach of the terms of this Agreement by
the other party is such that the damages to such party resulting from the breach
will be so immediate, so large or severe, and so incapable of adequate redress
after the fact that a temporary restraining order or other immediate injunctive
relief is the only adequate remedy. If a party files a pleading with a court
seeking immediate injunctive relief which is challenged by the other party and
the injunctive relief sought is not awarded in substantial part, the party
filing the pleading seeking injunctive relief shall pay all of the costs and
attorney's fees of the party successfully challenging the pleading.

8.4 SUCCESSORS AND ASSIGNS. This Agreement may be assigned by either party
hereto in connection with a merger, consolidation, sale of all or substantially
all of the party's assets or similar business combination. In the event of an
assignment, merger, asset sale or similar business combination transaction
between UICI and another party which is a licensee or customer of HealthAxis,
HealthAxis may have substantial economic or other business interests at risk. In
such circumstances, the parties shall negotiate in good faith to attempt to
reach agreement on terms of a restructured arrangement that fairly protects the
business interests of HealthAxis and UICI (or the other successor entity
resulting from the transaction). Until such a restructured agreement is entered
into, the services, licenses and other agreements between HealthAxis and each
constituent party to the transaction shall continue to be serviced, tracked,

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reported, paid and provided separately to each constituent organization under
its original agreement with HealthAxis as if the transaction had not taken
place.

8.5 SURVIVAL. Upon any cancellation, termination or rescission of this
Agreement, it is the intention of the parties that the provisions of this
Agreement shall continue to apply to those duties and obligations which are
intended to survive any such cancellation, termination or rescission, including,
without limitation, the provisions of Sections 2.3, 6.1, 6.2, 7.3, 8.1, 8.2,
8.3, 8.6 and 8.7 herein.

8.6 NOTICE. All notices, requests, demands and other communications to be given
or delivered under or by reason of the provisions of this Agreement will be in
writing and will be deemed given (i) when delivered by hand; (ii) on the next
business day when sent by overnight express mail; (iii) when sent by confirmed
facsimile with a copy sent by another means specified in this Section; or (iv)
on the third business day after the day of mailing, when mailed by United States
mail, registered or certified mail, postage prepaid and addressed as follows:

                  IN THE CASE OF UICI:

                  UICI
                  4001 McEwen
                  Dallas, Texas 75244
                  Attn: Matthew R. Cassell

                  IN THE CASE OF HEALTHAXIS:

                  HealthAxis.com, Inc.
                  5215 N. O'Connor Blvd.
                  Suite 800
                  Irving, Texas 75039
                  Attn:  Jim Taylor, V.P. of Finance

8.7 MISCELLANEOUS. THE LAWS OF THE STATE OF TEXAS AND THE LAWS OF THE UNITED
STATES OF AMERICA SHALL GOVERN THE RIGHTS AND DUTIES OF THE PARTIES HERETO AND
THE VALIDITY, CONSTRUCTION, ENFORCEMENT AND INTERPRETATION OF THIS AGREEMENT.
This Agreement and the exhibits, schedules and/or addenda attached hereto
supersede all prior agreements and understandings, if any, of the parties hereto
relating to the subject matter hereof, including, without limitation, all term
sheets and other documentation regarding the formation of this Agreement. This
Agreement may be amended only by an instrument in writing executed by the
parties hereto, and supplemented only by documents delivered (or to be
delivered) in accordance with the express terms hereof. In case any one or more
of the provisions contained in this Agreement shall be held to be invalid,
illegal, unenforceable or inapplicable in any respect, such invalidity,
illegality, unenforceability or inapplicability shall not affect any other
provision hereof and this Agreement shall be construed as if such invalid,
illegal, unenforceable or inapplicable provisions had never been contained
herein. This Agreement may be executed simultaneously in one or more
counterparts, each of which shall be deemed an original, but all of

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which taken together shall constitute one and the same instrument and facsimile
signatures hereon shall be deemed original signatures.

         IN WITNESS WHEREOF, this Agreement has been executed by the parties to
be effective as of the 25th day of January, 2001.

ADDRESSES:                                     UICI:

                                               UICI
4001 McEwen                                    a Delaware corporation
Dallas, Texas 75244

                                               By:
                                                        ------------------------

                                                        ------------------------

                                                        Its:
                                                             -------------------

                                               HEALTHAXIS:

                                               HealthAxis.com, Inc.,
5215 N. O'Connor Blvd.                         a Pennsylvania corporation
Suite 800
Irving, Texas  75039                            By:
                                                        ------------------------

                                                        ------------------------

                                                        Its:
                                                             -------------------

Software License Agreement - Page 10<PAGE>   1
                                                                   EXHIBIT 10.64

UICI
--------------------------------------------------------------------------------

                                 March 14, 2001

PERSONAL AND CONFIDENTIAL

Mr. Charles T. Prater
3209 Durango Way
Edmond, OK  73034

Dear Charlie:

         This letter will set forth the terms and conditions of your transition
from certain executive positions with UICI, a Delaware corporation ("UICI" or
the "Company"), and affiliates, and your engagement as a consultant to The MEGA
Life and Health Insurance Company, an Oklahoma corporation ("MEGA"), pursuant to
which MEGA will engage your services (or the services of a corporation or
limited liability company of which you are the sole equity holder) to serve as a
consultant to MEGA from time to time as herein set forth. For purposes of this
agreement, you are sometimes herein referred to as "Prater."

         You currently serve as a Vice President of UICI. You currently hold (a)
options (the "Options") to purchase (i) 42,500 shares of UICI Common Stock at an
exercise price of $6.63 per share, none of which are currently vested and
exercisable; and (ii) 6,000 shares of UICI Common Stock at an exercise price of
$15.00 per share, of which 2,400 shares are subject to currently exercisable
options as of the date hereof; and (b) 6,500 restricted shares of UICI Common
Stock, none of which shares have vested (the "Restricted Stock"). In accordance
with our recent conversations, you and UICI have mutually agreed to terminate
your current relationship with UICI and its affiliates, and you have agreed,
having gained considerable knowledge and experience relating to the business of
UICI and its affiliates as a result of your prior affiliation with UICI as an
executive officer and director, to assist MEGA and its affiliates as a
consultant by providing certain advisory services to MEGA and its affiliates on
a standby, as-needed basis. Accordingly, UICI, MEGA and Prater hereby agree as
follows:

                  1. RESIGNATION.

                  1.1 Resignation Date. Effective as of the close of business on
         February 1, 2001 (the "Resignation Date"), you agree to resign as a
         Vice President of UICI and each of the executive offices and boards of
         directors (and committees thereof) of affiliates of UICI listed on
         Exhibit A attached hereto and all such other executive offices,
         committees and/or directorships of entities affiliated with UICI upon
         which you currently serve or which you currently hold. You shall be
         entitled to your regular compensation through February 14, 2001 and
         employee benefits accrued to the date of execution of this Agreement
         (the "Execution Date").

<PAGE>   2

Mr. Charles T. Prater
March 14, 2001
Page 2

                  1.2 Unreimbursed Expenses. Prater has used Prater's American
         Express credit card for Company-related expenses related to employee
         travel and entertainment. The Company agrees to promptly reimburse
         Prater for any such expenses charged on Prater's credit card on behalf
         of the Company upon submission of written evidence of all such
         expenses.

                  1.3 Office Items. The parties mutually agree that Prater may
         purchase the lap top computer, hand held computer and two golf print
         pictures that Prater used during his tenure with the Company at the
         Company's book value (the depreciated value).

                  2. OTHER ARRANGEMENTS

                  2.1. Promissory Note. Reference is made to that certain
         promissory note, dated January 2, 2001 (the "Note"), payable from you
         to UICI in the aggregate principal amount of $45,000, which Note
         matures in accordance with its terms on the earlier of January 1, 2007
         or upon the occurrence of certain events as therein provided. On the
         Execution Date, Company shall deem the Note paid in full and discharge
         Prater from any and all liability thereunder, provided that Prater
         shall have tendered to UICI a check in the amount of $517.00 covering
         accrued and unpaid interest to the Execution Date. Prater shall be
         responsible for all applicable federal and state income, FICA and
         Medicare taxes associated with the discharge of the Note contemplated
         hereby.

                  3. MUTUAL RELEASE

                  3.1 Release of UICI Affiliates. In consideration of the
         payments and promises contained in this Agreement, and in full
         compromise and settlement of any of Prater's potential claims and
         causes of action relating to or arising out of termination of his
         employment relationship with UICI, and any and all other claims or
         causes of action that Prater has or may have against the UICI
         Affiliates (as defined below) up to the date of execution of this
         Agreement, Prater hereby:

                           (a) Knowingly and voluntarily agrees to irrevocably
                  and unconditionally waive and release UICI and any other
                  entity controlled by, controlling or under common control with
                  UICI, its predecessors and successors and directors, officers,
                  employees, representatives, attorneys, including all persons
                  acting by, through, under or in concert with any of them
                  (collectively, the "UICI Affiliates"), from any and all
                  charges, complaints, claims, liabilities, obligations,
                  promises, sums of money, agreements, controversies, damages,
                  actions, lawsuits, rights, demands, sanctions, costs
                  (including attorneys' fees), losses, debts and expenses of any
                  nature whatsoever, existing on, or at any time prior to, the
                  date hereof in law, in equity or otherwise, which Prater, his
                  successors, heirs or assigns had or have upon or by reason of
                  any fact, matter, cause, or thing whatsoever, AND SPECIFICALLY
                  INCLUDING ANY MATTER THAT MAY BE BASED ON THE SOLE OR
                  CONTRIBUTORY NEGLIGENCE (WHETHER ACTIVE, PASSIVE OR GROSS) OF
                  ANY UICI AFFILIATE. This release includes, but is not limited
                  to, a release of all claims or causes of action arising out of
                  or relating to termination of the employer-employee
                  relationship of Prater and the Company, and any other claim,
                  including, without limitation, alleged contract and tort
                  claims or claims or causes of action arising under any
                  federal, state, or local law, including, but not limited to,
                  the Age

<PAGE>   3
Mr. Charles T. Prater
March 14, 2001
Page 3

                  Discrimination in Employment Act, 29 U.S.C. Section 621, et
                  seq., the Fair Labor Standards Act, 29 U.S.C. Section 201, et
                  seq., the Employee Retirement Income Security Act, 29 U.S.C.
                  Section 1001, et seq., and any claim under the statutes of the
                  State of Oklahoma, or other jurisdictions, and the facts,
                  circumstances, allegations, and controversies relating or
                  giving rise thereto that have accrued to the date of execution
                  of this Agreement; and

                           (b) Agrees that he will not commence, maintain,
                  initiate, or prosecute, or cause, encourage, assist,
                  volunteer, advise or cooperate with any other person to
                  commence, maintain, initiate or prosecute, any action,
                  lawsuit, proceeding, investigation, or claim before any court,
                  legislative body or committee, or administrative agency
                  (whether state, federal or otherwise) against the UICI
                  Affiliates relating to any claims, liabilities, obligations,
                  promises, sums of money, agreements, controversies, damages,
                  actions, lawsuits, rights, demands, sanctions, costs
                  (including attorneys' fees), losses, debts and expenses
                  described in the foregoing subparagraph (a);

         provided, however, that, notwithstanding anything to the contrary in
         the foregoing, nothing hereunder shall be deemed to affect, impair or
         diminish in any respect (i) any rights to which Prater may be entitled
         in his capacity as an officer and past or present director of UICI or
         any other UICI Affiliate to indemnification, advancement of expenses
         and/or reimbursement under Delaware law (or the corporate law of any
         other jurisdiction that may govern UICI or any other UICI Affiliate) or
         UICI's or any other UICI Affiliate's Certificate of Incorporation or
         bylaws (including without limitation Prater's rights to indemnification
         for costs and expenses associated with the litigation captioned
         Schappel v. UICI, et al and any other litigation to which Prater is
         made a party in his capacity as an officer and/or director of UICI or
         any UICI Affiliate) (ii) any rights Prater may have under that certain
         Indemnification Agreement, dated as of September 1, 1999, between UICI
         and Prater, (iii) any vested rights as of the Resignation Date or
         entitlement Prater may have under the UICI Employee Savings and Stock
         Ownership Plan, (iv) any other vested rights as of the Resignation Date
         Prater may have under any employee plan or program in which Prater has
         participated in his capacity as an employee of UICI or any other UICI
         Affiliate, including without limitation rights under the UICI Medical
         Savings Account program, and (v) the rights of Prater under this
         Agreement and under the Options as hereby amended.

                  3.2 Release of Prater. In consideration of the mutual promises
         contained in this Agreement, and in full settlement of any of the UICI
         Affiliates' potential claims and causes of action relating to or
         arising out of Prater's employee relationship with the UICI Affiliates'
         and/or termination of such relationship and all claims and causes of
         action that any of the UICI Affiliates has or may have against Prater
         up to and through the date of execution of this Agreement, the UICI
         Affiliates hereby:

                           (a) Knowingly and voluntarily agree to irrevocably
                  and unconditionally waive and release Prater, and his heirs,
                  executors, administrators and assigns (collectively the
                  "Prater Releasees"), from any and all charges, complaints,
                  claims, liabilities, obligations, promises, sums of money,
                  agreements, controversies, damages, actions, lawsuits, rights,
                  demands, sanctions, costs (including attorneys' fees) losses,
                  debts and expenses of any nature whatsoever, existing on, or
                  at any time prior to the date of execution of this Agreement
                  arising

<PAGE>   4
Mr. Charles T. Prater
March 14, 2001
Page 4

                  in law, in equity or otherwise, which any of the UICI
                  Affiliates, their successors or assigns had or have upon or by
                  reason of any fact, matter, cause, or thing whatsoever, AND
                  SPECIFICALLY INCLUDING ANY MATTER THAT MAY BE BASED ON THE
                  SOLE OR CONTRIBUTORY NEGLIGENCE (WHETHER ACTIVE, PASSIVE OR
                  GROSS) OF PRATER. This release includes, but is not limited
                  to, a release of all claims or causes of action arising out of
                  termination of the employment relationship, or any other
                  contractual relationship with UICI Affiliates, including,
                  without limitation, alleged contract and tort claims or claims
                  arising under any federal, state or local law and any claim
                  under the statutes of the State of Oklahoma, or other
                  jurisdictions, and the facts, circumstances, allegations, and
                  controversies relating or giving rise thereto that have
                  accrued to the date of execution of this Agreement; and

                           (b) Agrees that they will not commence, maintain,
                  initiate or prosecute, or cause, encourage, assist, volunteer,
                  advise or cooperate with any other person to commence,
                  maintain, initiate or prosecute, any action, lawsuit,
                  proceeding, investigation, or claim before any court,
                  legislative body or committee, or administrative agency
                  (whether state, federal or otherwise) against the Prater
                  Releasees relating to any such claims, liabilities,
                  obligations, promises, sums of money, agreements,
                  controversies, damages, actions, lawsuits, rights, demands,
                  sanctions, costs (including attorneys' fees), losses, debts
                  and expenses described in the foregoing subparagraph (a).

                  3.3 No Admission. Nothing contained in this Section 3 shall in
         any way be construed as an admission by Prater or the UICI affiliates
         of any acts of wrongdoing, retaliation, defamation, harassment,
         negligence, breach of contract, discrimination or violation of any
         statute, law, or legal right. Each party hereto specifically denies and
         disclaims that they have any liability to any other party hereto for
         any of such acts occurring prior to the execution of this Agreement.

                  4. CONSULTING ARRANGEMENT AND SEVERANCE PAYMENT. Effective
         April 1, 2001, MEGA hereby engages Prater (or a corporation, limited
         liability company or partnership, the sole equity holder of which is
         Prater and/or his immediate family) on an independent contractor basis
         as a consultant to MEGA, and Prater hereby accepts such engagement and
         agrees to perform his duties and responsibilities hereunder in
         accordance with the terms and conditions hereinafter set forth.

                  4.2 Term of Consulting Arrangement. The term of engagement
         (the "Consulting Arrangement") shall commence April 1, 2001, and shall
         continue for a term ending on March 31, 2002, unless earlier terminated
         pursuant to Section 4.6 of this Agreement or unless extended in
         accordance with Section 4.8 hereof (the "Term").

                  4.3 Duties and Responsibilities. Prater's position shall be as
         a consultant to MEGA, in which capacity he agrees to consult with and
         assist senior management of MEGA, including the rendering of advice and
         consultations with respect to premium rates, new product design,
         attendance at A.M. Best rating meetings and presentations, state
         insurance department regulatory matters, risk analysis, acquisitions,
         litigation support and assessment and such other matters as are
         reasonably requested by MEGA from time to time during Term of the
         Consulting Arrangement. Prater shall report to the assigning

<PAGE>   5
Mr. Charles T. Prater
March 14, 2001
Page 5

                  individual on a regular, periodic basis and keep such
                  individual reasonably informed as to the status and progress
                  of each assignment. MEGA acknowledges and agrees that the
                  consulting relationship created hereby is not exclusive, and
                  Prater may perform similar services for other clients so long
                  as he is otherwise in compliance with the terms of this
                  Agreement. Prater shall accept assignments from one or more of
                  three individuals at MEGA: Gregory T. Mutz, Patrick McLaughlin
                  and/or Glenn Reed. Prater shall report to the assigning
                  individual on a regular, periodic basis and keep such
                  individual reasonably informed as requested concerning the
                  status and progress of each assignment. Prater shall dedicate
                  such time and devote such attention to his consulting duties
                  hereunder as he deems necessary and sufficient to complete his
                  consulting assignments hereunder, provided, however, that
                  Prater shall not be required to devote more than 10 hours per
                  month during the Consulting Arrangement hereof, which shall
                  not be cumulative from month to month.

                  4.4 Consulting Fee. For his services hereunder during the
         first year of the Consulting Arrangement, MEGA agrees to pay to Prater
         the amount of $135,000 in monthly installments (a) in the amount of
         $12,000, payable on the first day of each month, commencing June 1,
         2001, and ending December 1, 2001 and (b) in the amount of $17,000,
         payable on the first day of each month, commencing January 1, 2002,
         with the last installment payable on March 1, 2002. If MEGA elects to
         extend the Term of the Consulting Arrangement as provided in Section
         4.8 hereof, for his services hereunder during the second year of the
         Consulting Arrangement, MEGA agrees to pay to Prater the amount of
         $120,000 in twelve equal monthly installments in the amount of $10,000,
         payable on the first day of each month, commencing April 1, 2002, with
         the last installment payable on March 1, 2003. All reasonable out of
         pocket expenses incurred by Prater in connection with the services
         required under the Consulting Arrangement shall be promptly reimbursed
         by MEGA upon submission of written evidence of all such expenses to
         MEGA.

                  4.5 Taxes. Prater is an independent contractor hereunder and
         shall be responsible for payment of all federal and state taxes due on
         amounts paid hereunder and MEGA shall not withhold any amounts for
         federal, state or local income taxes or taxes or assessments that might
         be payable or be required to be withheld if Prater were an employee of
         MEGA. Prater shall indemnify MEGA for and hold MEGA harmless from and
         against any costs, damages or liabilities relating to taxes or
         tax-related assessments or penalties arising from Prater's engagement
         as an independent contractor hereunder.

                  4.6 Termination of Consulting Arrangement. The Term of the
         Consulting Arrangement created hereby may be terminated as follows:

                           (a)      by MEGA at any time for "cause;" upon not
                                    less than 10 days prior written notice to
                                    Prater,

                           (b)      upon the death of Prater; or

                           (c)      by MEGA or Prater without cause upon not
                                    less than 30 days' prior written notice.

<PAGE>   6

Mr. Charles T. Prater
March 14, 2001
Page 6

         For purposes of this Agreement, termination for "cause" shall mean; (1)
         termination for reason of the failure of Prater to materially observe
         the provisions of Section 5, 8 or 9 of this Agreement, provided in such
         case that the Company shall have first made a written demand for
         compliance with Section 5, 8 or 9 of the Agreement, which demand shall
         set forth the specific nature of such non-compliance, and Prater shall
         have 30 days after receipt of such notice to cure such non-compliance;
         or (2) termination for reason of theft, proven dishonesty, gross
         misconduct, embezzlement, fraud, conviction of a felony involving
         fraud, theft, bodily harm or damage to property (whether connected with
         the consulting relationship or not), or use of the facilities or
         premises of MEGA or a subsidiary for the conduct of unlawful activities
         or transactions.

                  4.7 Effect of Termination of Consulting Arrangement.

                  4.7.1 In the event the Consulting Arrangement is terminated
         for cause by MEGA prior to the end of the Consulting Arrangement as
         provided in Section 4.6(a) or terminated by Prater without cause as
         provided in Section 4.6(c), then in such event (i) 50% of all shares of
         Restricted Stock not theretofore vested shall vest, (ii) Prater shall
         have 30 days to exercise all or any portion of Options otherwise vested
         on the date of termination, and (iii) Prater shall be entitled only to
         such portion of the compensation set forth in Section 4.4 of this
         Agreement for the portion of the Term of the Consulting Arrangement for
         which he continued as a consultant hereunder.

                  4.7.2 In the event the Consulting Arrangement provided herein
         is terminated as a result of Prater's death as provided in Section
         4.6(b), then in such event Prater's estate or successors shall be
         entitled to the balance of the compensation set forth in Section 4.4 of
         this Agreement otherwise payable over the balance of the Term of the
         Consulting Arrangement (including the Term of the Consulting
         Arrangement if extended, but only if extended, as provided in Section
         4.8 hereof), payable in monthly installments as provided in Section 4.4
         hereof. Upon termination as a result of Prater's death as provided in
         Section 4.6(b), all Restricted Stock not otherwise vested on the date
         of termination shall vest as of the date of termination and 100% of all
         Options which are otherwise unvested shall vest, and the estate of, or
         other successor to, Prater's representatives shall thereafter have 90
         days to exercise all vested Options held by such estate or successor.

                  4.7.3 In the event the consulting arrangement provided herein
         is terminated by MEGA without cause as provided in Section 4.6(c), (i)
         100% of all shares of Restricted Stock not theretofore vested shall
         vest; (ii) 50% of all Options which are otherwise unvested shall vest,
         and Prater shall have 90 days to exercise all vested options; and (iii)
         Prater shall be immediately entitled to the balance of the consulting
         compensation set forth in Section 4.4 of this Agreement otherwise
         payable over the balance of the Term of Consulting Arrangement
         (including the Consulting Arrangement if extended, but only if
         extended, as provided in Section 4.8 hereof), payable in one lump sum
         payment within 30 calendar days of the date of termination, together
         with any reimbursable expenses not theretofore paid incurred by Prater
         to enforce this provision of the Agreement.

                  4.8 Extension of Consulting Arrangement. During the period
         commencing on January 1, 2002 and ending February 28, 2002 upon written
         notice to Prater, UICI shall elect either (a) to purchase from Prater
         7,500 shares of UICI Common Stock at $16.00 per share or (b) to extend
         the Term of the Consulting Arrangement for an additional year

<PAGE>   7
Mr. Charles T. Prater
March 14, 2001
Page 7

         ending March 31, 2003 (in which case Prater shall be entitled to the
         consulting compensation as provided in Section 4.4 hereof). If UICI
         shall have elected to purchase from Prater 7,500 shares of UICI Common
         Stock as provided in the preceding sentence, Prater shall be obligated
         to sell such 7,500 shares at a purchase price of $16.00 per share and a
         closing therefor shall occur not more than 10 business days following
         UICI's election, at which closing UICI shall deliver cash in the amount
         of $120,000 against delivery to UICI by Prater of a certificate for
         7,500 shares of UICI common stock, which shares shall be free and clear
         of any and all liens, charges and encumbrances whatsoever.

         5. CONFIDENTIALITY.

                  5.1 Confidential Information. Prater acknowledges that, by
         reason of his prior employment by MEGA and of his engagement as a
         consultant to MEGA under this Agreement, he will or may have access to
         confidential and proprietary information of UICI and/or MEGA,
         including, without limitation, client and customer lists, developments,
         information pertaining to services and products, improvements of new or
         existing services and products, know-how, specifications, profit and
         other financial figures, and other information treated as proprietary
         or confidential by UICI and/or MEGA which is not otherwise readily
         available from public or published sources. Prater agrees that he will
         maintain in confidence all such confidential or proprietary information
         and that he will not, for any reason, during his engagement by MEGA or
         thereafter, directly or indirectly, use for his benefit, or for any
         person, firm, corporation, partnership, joint venture or other entity
         whatsoever, or disclose to any person, firm, corporation, partnership,
         joint venture or other entity whatsoever, any confidential or
         proprietary information relating to the business or affairs of UICI
         and/or MEGA without the prior written authorization of UICI and/or
         MEGA. Notwithstanding the foregoing, nothing hereunder shall prohibit
         Prater from disclosing (i) information that has become generally
         available to the public other than as a result of disclosure by Prater
         or (ii) information required to be disclosed by applicable law or legal
         process, provided that UICI and MEGA shall have been afforded not less
         than 10 days' notice in advance of such disclosure and had the
         opportunity to contest the scope of any legal request to require such
         disclosure.

                  5.2 Return of Materials. Upon termination of Prater's
         engagement as a consultant hereunder, for whatever reason, Prater
         agrees promptly to surrender to MEGA all notes, memoranda, customer
         lists, records, reports, computer programs and all other documents and
         material, and all copies thereof, whether prepared by Prater or others,
         which contain or relate to confidential or proprietary information of
         MEGA of which the Prater has obtained possession during the course of
         performing Prater's obligations hereunder.

         6. REPRESENTATIONS AND WARRANTIES.

                  6.1 Representation of Prater. Prater hereby represents and
         warrants to the Company and MEGA that, as of the Execution Date, he is
         not a party or otherwise subject to any employment or similar other
         agreement or subject to any duty or duties to another person or entity
         of which the subject matter hereof could be in violation.

                  6.2 Representation of UICI. UICI hereby represents and
         warrants to Prater that (a) this Agreement has been duly authorized,
         executed and delivered by UICI

<PAGE>   8
Mr. Charles T. Prater
March 14, 2001
Page 8

         and MEGA and (b) UICI has given due authority to the undersigned
         officers to execute this Agreement on behalf of UICI and the UICI
         Affiliates.

         7. DISCLOSURE. Prater acknowledges that the arrangement contemplated by
this Agreement must be disclosed under the rules and regulations of the
Securities and Exchange Commission promulgated under the Securities Act of 1933,
as amended, and the Securities Exchange Act of 1934, as amended.

         8. INDEMNIFICATION.

                  8.1 Indemnification by Prater. Prater hereby agrees to
         indemnify and hold the Company and MEGA harmless from and against any
         claim, cost, expense, damage, liability or loss incurred by the Company
         or MEGA (including, without limitation, reasonable attorneys' fees and
         other reasonable costs and expenses incident to any suit, action,
         proceeding or claim) arising out of or resulting from, and will pay the
         Company or MEGA on written demand the full amount of any sum which the
         Company or MEGA, as the case may be, may pay or may become obligated to
         pay in respect of, (i) any inaccuracy in any representation or the
         breach of any warranty made by Prater pursuant to this Agreement or
         (ii) any failure by Prater duly to perform or observe any material
         provision, covenant, agreement or condition in this Agreement to be
         performed or observed by Prater.

                  8.2 Indemnification by the Company and MEGA. Each of the
         Company and MEGA hereby agrees to indemnify and hold Prater harmless
         from and against any claim, cost, expense, damage, liability or loss
         incurred by Prater (including, without limitation, reasonable
         attorneys' fees and other reasonable costs and expenses incident to any
         suit, action, proceeding or claim, arising out of or resulting from,
         and will pay Prater on written demand the full amount of any sum which
         Prater may pay or may become obligated to pay in respect of, (i) any
         inaccuracy in any representation or the breach of any warranty made by
         the Company pursuant to this Agreement, (ii) any failure by the Company
         or any UICI Affiliate duly to perform or observe any term, provision,
         covenant, agreement or condition in this Agreement to be performed or
         observed by the Company or any UICI Affiliate, (iii) any claim, cost,
         expense, damage, liability or loss arising from any activities of
         Prater undertaken on behalf of UICI and the UICI Affiliates by Prater
         in good faith during the period February 1, 2001 through and including
         February 14, 2001, or (iv) any other such claim, cost, expense, damage,
         liability or loss arising out of Prater's services to be provided to
         MEGA as a consultant hereunder (except to the extent that such other
         claim, cost, expense, damage, liability or loss arises primarily from
         Prater's gross negligence, IT BEING EXPRESSLY UNDERSTOOD THAT THE
         INDEMNITY SET FORTH IN THIS CLAUSE (III) INCLUDES MATTERS BASED ON
         PRATER'S ORDINARY NEGLIGENCE).

         9. NONDISPARAGEMENT. The parties hereto mutually agree, from the date
of each party's execution of this Agreement, that neither will make any
statements, either oral, written, telephonic, electronic or by in other method
or in any other format, that in any way disparage, damage or undermine the
character or reputation of the other parties hereto. Any party who suffers
disparagement in violation of this provision will be entitled to recover
attorney fees and expenses. Notwithstanding the foregoing, no party hereto shall
be in breach of this provision if any such statement is made in response or in
answer to a judicially or governmentally mandated order or subpoena.

<PAGE>   9
Mr. Charles T. Prater
March 14, 2001
Page 9

         10. SPECIAL BENEFITS.

                  10.2 Healthcare Benefits. For the period commencing on the
         Execution Date and ending on the first to occur of (i) the first
         anniversary of the Execution Date or (ii) the date upon which Prater
         shall first be employed on a full-time basis with health and dental
         insurance coverage (the "Exit Date"), UICI will provide to Prater and
         his family at UICI's expense health and dental insurance coverage under
         the terms and conditions existing immediately prior to his resignation
         under this Agreement. For a period commencing on the Exit Date and
         ending 18 months following the Exit Date, UICI will make available to
         Prater at Prater's expense health insurance coverage in accordance with
         COBRA.

                  10.3 Options and Restricted Stock. For purposes of the
         Company's 1986 Amended and Restated Stock Option Plan, the Company's
         1998 Stock Option Plan, the Options, the Company's 2000 Restricted
         Stock Plan and the Restricted Stock, Prater shall be deemed to be an
         "employee" of the Company during the Term of the Consulting Arrangement
         (including any extension thereof), and his Options shall become
         exercisable in accordance with such plans and the Restricted Stock
         shall vest as if he were such an employee of the Company during such
         period.

         11. GENERAL PROVISIONS.

                  11.1 Survival. Notwithstanding the termination of the
         consulting arrangement hereby created upon or prior to expiration of
         the Arrangement for any reason, the covenants contained in Sections 3,
         5, 8 and 9 hereof shall survive and remain in full force and effect.

                  11.2 Binding Effect; Assignment. This Agreement shall be
         binding upon and inure to the benefit of Prater, the Company, the UICI
         Affiliates and their respective heirs, executors, administrators,
         successors and assigns; provided, however, that (i) Prater may not
         assign either his rights or obligations hereunder and (ii) neither the
         Company nor any UICI Affiliate may assign their rights or obligations
         hereunder (other than (x) to any affiliated entity (in which case such
         assignor shall not be relieved from liability hereunder) or (y) to any
         successor to substantially all of the assets or business of the
         Company) without the consent of Prater, which consent shall not be
         unreasonably withheld.

                  11.3 Entire Agreement; Amendments. This Agreement contains the
         entire agreement and understanding between the Company, MEGA and Prater
         relating to the termination of Prater's employment and the engagement
         of Prater by MEGA as a consultant and supersedes all prior agreements
         between the Company, MEGA and Prater relating to the subject matter
         hereof. This Agreement may not be amended, modified or supplemented in
         any respect except by a subsequent written agreement executed by the
         party affected thereby.

                  11.4 Notices. All notices, requests, demands and other
         communications required or permitted to be given hereunder shall be by
         hand-delivery, certified or registered mail; return receipt requested,
         telex, telecopier, or air courier to the parties set forth below. Such
         notices shall be deemed given: at the time delivered by hand, if
         personally delivered; at the time received if sent certified or
         registered mail; when

<PAGE>   10
Mr. Charles T. Prater
March 14, 2001
Page 10

         answered back, if telexed; when receipt acknowledged, if telecopied;
         and the third business day after timely delivery to the courier, if
         sent by air courier.

                           If to the Company:

                           UICI
                           4001 McEwen Drive
                           Suite 200
                           Dallas, Texas 75244

                           Attn.: Mr. Gregory T. Mutz
                           Telephone: (972)-392-6798
                           Telecopy:  (972) 392-6717

                           If to MEGA:

                           The MEGA Life and Health Insurance Company
                           c/o UICI
                           4001 McEwen Drive
                           Suite 200
                           Dallas, Texas 75244

                           Attn.: Mr. Glenn W. Reed
                           Telephone: (972)-392-6719
                           Telecopy:  (972) 392-6717

                           If to Prater:

                           3209 Durango Way
                           Edmond, Oklahoma 73034

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

                  11.6 Titles and Headings. Titles and headings to sections
         herein are for purposes of reference only, and shall in no way limit,
         define, or otherwise affect the provisions herein.

                  11.7 Governing Law; Submission to Jurisdiction. This Agreement
         shall be governed by and construed and enforced in accordance with the
         laws of the State of Oklahoma. Each of Prater, the Company, MEGA and
         each UICI Affiliate hereby submits to the exclusive jurisdiction of the
         United States District Court for the Western District of Oklahoma and
         Oklahoma state court the District of Oklahoma County for the purposes
         of all legal proceedings arising out of or relating to the Agreement or
         the transactions contemplated hereby. Each of Prater, the Company, MEGA
         and each UICI Affiliate irrevocably waives, to the fullest extent
         permitted by law, any objection which any of such parties may now or
         hereafter have to the laying of the venue of any such proceeding
         brought in such a court and any claim that any such proceeding brought
         in such a court has been brought in an inconvenient forum.

<PAGE>   11

Mr. Charles T. Prater
March 14, 2001
Page 11

                  11.8 Severability. If any provision of this Agreement or
         application thereof to anyone or under any circumstances is adjudicated
         to be invalid or unenforceable, such invalidity or unenforceability
         shall not affect any other provision or application of this Agreement
         which can be given effect without the invalid or unenforceable
         provision or application.

         PLEASE NOTE THE FOLLOWING: You have up to twenty-one (21) days from the
date this Agreement is presented to you to review and consider this Agreement
and the release herein contained prior to executing it. If you have not executed
this Agreement by the 21st day, it will automatically be revoked. You have the
right to consult with an attorney before signing this Agreement. In addition,
you may revoke this Agreement and the release herein contained within seven (7)
days after your execution hereof. YOUR SIGNATURE BELOW CONFIRMS THAT YOU (a)
HAVE READ THIS AGREEMENT AND THE RELEASE HEREIN CONTAINED CAREFULLY AND
COMPLETELY; (b) HAVE BEEN GIVEN A PERIOD OF TWENTY-ONE (21) DAYS TO CONSIDER AND
REVIEW THIS AGREEMENT AND THE RELEASE; (c) ARE AWARE OF YOUR RIGHT TO CONSULT
WITH LEGAL COUNSEL AND ACKNOWLEDGE THAT YOU HAVE HAD AMPLE OPPORTUNITY TO DO SO
IF YOU CHOOSE; AND (d) UNDERSTAND ALL THE PROVISIONS CONTAINED IN THIS AGREEMENT
AND THE RELEASE HEREIN CONTAINED.

         Please acknowledge your agreement to the foregoing by signing and
returning to the undersigned the enclosed copy of this letter.

                                      UICI

                                      By:   /s/ GLENN W. REED
                                            ------------------------------------
                                      Its:  Executive Vice President and
                                            General Counsel

                                      The MEGA Life and Health Insurance Company

                                      By:   /s/ GLENN W. REED
                                            ------------------------------------
                                      Its:  Vice President

Agreed and acknowledged this 14th
day of March 2001.

     /s/ CHARLES T. PRATER
---------------------------------
     Charles T. Prater

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