Document:

EXHIBIT 10(B)(16)

                    AMENDMENT FIFTEEN TO MARKETING AGREEMENT

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

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

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

         "3.1 Subject to  termination as  hereinafter  provided,  this Agreement
         shall remain in force and effect until the close of business on October
         31, 2000, the term of this Agreement.  This Agreement may be renewed by
         mutual agreement for successive terms of one (1) year unless terminated
         by  either  party by prior  written  notice  to the  other at least one
         hundred  eighty  (180) days prior to the end of the initial term or the
         renewal term."

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

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

         LEGACY MARKETING GROUP             AMERICAN NATIONAL INSURANCE
                                            COMPANY

         By: /s/ R. Preston Pitts           By: /s/ Kelly M. Collier

         Title:  President                  Title:  VP Alternative Distribution

         Witness: /s/ Stephanie Molteni     Witness: /s/ Jynx Yucra

         Date: September 25, 2000           Date: September 26, 2000o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC.

EXHIBIT 10(i)(2)

                                  AMENDMENT TO
                               MARKETING AGREEMENT

THIS AMENDMENT TO THE MARKETING  AGREEMENT is entered into this 22nd day of May,
2000,  and  effective  as indicated  herein,  by and between  TRANSAMERICA  LIFE
INSURANCE AND ANNUITY  COMPANY,  hereinafter  referred to as  "Transamerica,"  a
North Carolina corporation,  and LEGACY MARKETING GROUP, hereinafter referred to
as "LMG," a California corporation.

WHEREAS,  Transamerica and LMG entered into a Marketing Agreement, dated May 29,
1998,  hereinafter  referred to as the "Agreement," wherein Transamerica and LMG
agreed to jointly develop proprietary annuity products, wherein LMG would market
such products on behalf of Transamerica,  utilizing its nationwide  distribution
channels of duly licensed and appointed  Producers in  consideration of the fees
as set forth in APPENDIX B of the Agreement.

NOW,  THEREFORE,  in consideration of the foregoing recitals and mutual promises
hereinafter  contained  and other good and valuable  consideration,  the parties
hereto do agree as follows:

Effective as of May 29, 1998:

1.       APPENDIX A,  "Policy  Forms," is hereby  amended to include the product
         names associated therewith as follows:

     "Product Name                Group Master Policy #     Policy #
     -------------                ---------------------     --------
     SelectMark 5 50/50           T-GTMY0298-5-50/50        T-PTMY0298-5-50/50
     SelectMark 5 75/25           T-GTMY0298-5-75/25        T-PTMY0298-5-75/25
     SelectMark 10 50/50          T-GTMY0298-10-50/50       T-PTMY0298-10-50/50
     SelectMark 10 75/25          T-GTMY0298-10-75/25       T-PTMY0298-10-75/25"

2.       APPENDIX B, "Commission," is hereby amended to read as follows:

         "COMMISSION

         Base Commission

         SelectMark(SM)) 5 Product: {5 Year Surrender Charge Schedule}

         Transamerica will pay LMG on the last business day of the week o of all
         premiums  received  by LMG during  that week for the  SelectMark(SM)  5
         Product.

                                   Page 1 of 4
<PAGE>

o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC.

         SelectMark(SM) 10 Product: {10 Year Surrender Charge Schedule}

         Transamerica will pay LMG on the last business day of the week o of all
         premiums  received  by LMG during that week for the  SelectMark(SM)  10
         Product.

         Additional premiums will be subject to the same commission  percentages
         as the initial premium.

         If the issue age is greater  than 84 as  defined  in the Death  Benefit
         Proceeds  provision  of the  Policies  referenced  in  APPENDIX  A, the
         aforementioned  base commissions are reduced by o. A monthly trail base
         commission of o multiplied by the aforementioned, product specific base
         commission  percentage  divided by o of the Annuity Cash Value is paid,
         beginning in policy year o.

         Override Commission

         In addition to the base commissions specified above, Transamerica shall
         pay  to LMG an  Override  Commission  for  each  of the  aforementioned
         SelectMark(SM)  products on the last  business day of the week, of o of
         all premiums received by LMG during that week.

         The above referenced Override Commission percentage includes o which is
         paid back to the carrier at the end of each fiscal  year  [fiscal  year
         begins  with the first month that any  premium  received by LMG,  i.e.,
         August -July] for the Policies referenced in APPENDIX A for the first o
         of  premium  paid,  net of free  looks.  LMG will  retain  the o on all
         premiums  received in excess of o in each fiscal  year.  Such year ends
         the last day of the calendar month immediately  preceding the month the
         first premium paid is received (July 31st).

         Such Override  Commission  will be part of the total weekly  commission
         process and will be paid by  Transamerica  to LMG by authorizing LMG to
         write a check to itself against the Transamerica  Disbursement  account
         for the total weekly commission amount."

         Effective as of February 9, 1999:

1.       Add to Appendix A, "Policy Forms," as follows:

     "Product Name                   Group Master Policy #  Policy #
     -------------                   ---------------------  --------
     SelectMark 10 Special Edition   T-GTMY0298-10-50/50*   T-PTMY0298-10-50/50*

         *Effective February 9, 1999, the SelectMark 10 Special Edition replaced
         the SelectMark 10 50/50 for the referenced policy forms."

                                   Page 2 of 4
<PAGE>

o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC.

2.       Add to APPENDIX B, "Commissions," as follows:

         "SelectMark(SM)  10 Special Edition Product:  {10 Year Surrender Charge
         Schedule}

         Transamerica will pay LMG on the last business day of the week o of all
         premiums  received  by LMG during that week for the  SelectMark(SM)  10
         Special Edition."

Effective as of October 18, 1999:

1.       Add to Appendix A, "Policy Forms," as follows:

     "Product Name                  Group Master Policy #     Policy #
     -------------                  ---------------------     --------
     SelectMark 7 Special Edition   T-GMY0799-7-100           T-PMY0799-7-100
     SelectMark 7 75/25             T-GMY0799-7-75/25         T-PMY0799-7-75/25
     SelectMark 7 50/50             T-GMY0799-7-50/50         T-PMY0799-7-50/50
     Beneficiary Rider              T-GBR-0799                T-PBR-0799"

2.       Add to APPENDIX B, "Commissions," as follows:

         "COMMISSION

         Base Commission

         SelectMark(SM) 7 Product: {7 Year Surrender Charge Schedule}

         Transamerica will pay LMG on the last business day of the week o of all
         premiums  received  by LMG during  that week for the  SelectMark(SM)  7
         Product.

         Transamerica will pay LMG on the last business day of the week o of all
         premiums  received  by LMG during  that week for the  SelectMark(SM)  7
         Special Edition Product.

         Transamerica  will  pay LMG on the  last  business  day of the  week an
         additional o of all  premiums  received by LMG during that week for the
         SelectMark(SM)  10 Special  Edition Product for  applications  received
         between October 18, 1999 and December 31, 2000.

         In the event that LMG  receives  a  SelectMark(SM)  10 Special  Edition
         application  prior  to June  30,  2000,  and  associated  premiums  are
         received thereafter,  LMG shall be entitled to collect the additional o
         commission.

         Additional premiums will be subject to the same commission  percentages
         as the initial premium;  with the exception of any additional  deposits
         to an  existing  SelectMark(SM)  10  Special  Edition  product  between
         October 18, 1999 and December 31, 2000, for which LMG shall be entitled
         to the o commission rate.

                                   Page 3 of 4
<PAGE>

o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC.

         LMG may calculate this monthly trail commission for the  SelectMark(SM)
         10 Special Edition,  for premiums received between October 18, 1999 and
         December  31, 2000,  by employing  the figure of "o" as opposed to "o."
         LMG will collect any additional  funds owed to it from this calculation
         utilizing  the actual o (as  provided  above) by  submitting  a written
         invoice to Transamerica for such fees on a monthly basis.

         Override Commission

         In addition to the commissions specified above,  Transamerica shall pay
         to  LMG  an  Override   Commission  for  each  of  the   aforementioned
         SelectMark(SM)  products on the last  business day of the week o of all
         premiums received by LMG during that week.

         The above referenced Override Commission percentage includes o which is
         paid back to the carrier at the end of each fiscal  year  [fiscal  year
         begins  with the first month that any  premium  received by LMG,  i.e.,
         August -July] for the Policies referenced in APPENDIX A for the first o
         of  premium  paid,  net of free  looks.  LMG will  retain  the o on all
         premiums  received in excess of o in each fiscal  year.  Such year ends
         the last day of the calendar month immediately  preceding the month the
         first premium paid is received (July 31st).

         Such commission will be part of the weekly commission  process and will
         be paid by  Transamerica  to LMG by authorizing LMG to write a check to
         itself  against  the  Transamerica  Disbursement  account for the total
         weekly commission amount."

3.       All other  provisions in the Agreement not  specifically  amended above
         remain in effect and unchanged.

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

LEGACY MARKETING GROUP                   TRANSAMERICA LIFE INSURANCE AND
                                         ANNUITY COMPANY

By: /s/ R. Preston Pitts                 By: /s/ Bill Tate
    --------------------                     -------------

Title: President                         Title: Chief Marketing Officer
       ---------                                -----------------------

Date: May 22, 2000                       Date: July 11, 2000
      ------------                             -------------

Witness: /s/ Anne Sedleniek              Witness: /s/ Maria Marty
         ------------------                       ---------------

                                   Page 4 of 4

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