Document:

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                                                                   EXHIBIT 10.94

                                                                  EXECUTION COPY

                              ALLIANCE - CHESAPEAKE

                                VENDOR AGREEMENT

      This agreement ("Agreement") is made and entered into effective as of
January 1, 2005 by and between The Chesapeake Life Insurance Company, an
Oklahoma domiciled life and health insurance company ("CARRIER"), and the
Alliance for Affordable Services, a membership organization that is organized
under the laws of the District of Columbia (the "ALLIANCE").

      WHEREAS, the ALLIANCE is a membership organization that provides or/and
makes available to its members a variety of services and benefits, including
business and professional benefits, family and lifestyle benefits and health and
wellness benefits, including health insurance products and other insurance
related products;

      WHEREAS, CARRIER is in the business of selling life and health insurance
and other insurance related products;

      WHEREAS, CARRIER intends to issue group insurance policies ("Group
Policies") to The ALLIANCE Group Insurance Trust, an Illinois trust (the
"Trust"), pursuant to which certificates of insurance will be issued to members
of the ALLIANCE. CARRIER also intends to issue individual insurance policies
("Individual Policies") to members of the ALLIANCE in states that do not
authorize the marketing and sale of "association group" policies; and

      WHEREAS, the parties desire to enter into this Agreement to set forth the
relationship between the ALLIANCE and CARRIER;

      NOW, THEREFORE, for and in consideration of the mutual covenants and
agreements hereinafter set forth, the ALLIANCE and CARRIER hereby agree as
follows:

1. VENDOR RELATIONSHIP. The ALLIANCE agrees that during the Term hereof and upon
the terms and conditions contained herein it will make available to members of
the ALLIANCE such Group Policies, Individual Polices and other insurance related
products (collectively, the "Products") offered by CARRIER as the parties may
agree from time to time. CARRIER shall be solely responsible for designing the
Products involved and for establishing the prices to be charged for such
Products, subject to consultation with the ALLIANCE. The ALLIANCE shall be
solely responsible for determining which Products of CARRIER will be made
available through the ALLIANCE to its members. The ALLIANCE may make such
Products available to its members through its communications to members and
prospective members, through its catalog of benefits or through newspaper,
television or other advertisements and other means selected by the ALLIANCE.
Nothing contained herein and no performance by the ALLIANCE of its obligations
hereunder shall be deemed to constitute an endorsement by the ALLIANCE of
CARRIER or of the Products, and the ALLIANCE assumes no financial responsibility
for the operating results of any Products sold by CARRIER to members of the
ALLIANCE.

2. DEFINITIONS. For purposes of this Agreement, the following terms shall have
the following meanings:

      (a) Administrative Expense means, with respect to any period, costs
incurred in such period by CARRIER for policy issuance and policy maintenance,
but excluding the cost of investigating and paying claims.

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      (b) Collected Premium means, with respect to any period, insurance
premiums actually received in cash by CARRIER in such period.

      (c) Governmental Authority means any nation or government, any state or
political subdivision thereof and any entity exercising executive, legislative,
judicial, regulatory or administrative functions of or pertaining to government.

      (d) Health Policies means Individual Policies and Association Group
Policies (but excluding ancillary products) issued by CARRIER, which are the
principal Products that CARRIER will sell to members of the ALLIANCE.

      (e) Marketing Expense means, with respect to any period, the insurance
commissions as a percentage of Collected Premiums paid to outside insurance
agents in such period, plus any out of pocket marketing costs incurred in such
period by CARRIER, for selling and servicing the Health Policies to members.

      (f) Person means any individual, corporation, limited liability company,
business trust, association, company, partnership, joint venture, Governmental
Authority, or other entity.

3. LIMITATION ON CARRIER'S MARKETING AND ADMINISTRATIVE EXPENSES. As partial
consideration for the ALLIANCE's agreement to make the Products available to its
members, CARRIER agrees as follows:

      (a) unless otherwise agreed to by the Parties, the Marketing Expense with
respect to Health Policies shall not exceed in any calendar year the following
amounts (expressed as a percentage of Collected Premiums): (i) 44.5% of first
year Collected Premiums, (ii) 30% of second year Collected Premiums and (iii)
15% of all Collected Premiums after the second policy year; and

      (b) unless otherwise agreed to by the Parties, Administrative Expense with
respect to Health Policies shall not exceed 10% of Collected Premiums.

4. CARRIER'S REPORTS.

      (a) Annual Reports. Except for the reports provided pursuant to Section
4(a)(i), within 90 days after the end of each calendar year during the Term
hereof, CARRIER shall submit written reports to the ALLIANCE setting forth the
following information:

            (i) Financial Status of CARRIER Report, including CARRIER's most
      recent annual audited statutory financial statements filed with the state
      insurance departments and CARRIER's current ratings with any rating
      agencies, which shall be submitted to the ALLIANCE on or before June 15 of
      each year for the most recent calendar year.

            (ii) Health Insurance in Force Report, including, with respect to
      members of the ALLIANCE, the number of policies issued, the number of
      policies dropped, the number of policies in force and the amount of Earned
      Premiums thereon for the most recent calendar year.

            (iii) Claims Report in substantially the form, and contain
      substantially the information, as set forth in Schedule 4(a) (iii) hereto.

            (iv) Complaints Report, including the number of complaints received
      regarding claims handling and regarding agent conduct, the source of such
      complaints (department of insurance, a

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      member of the ALLIANCE or other) and the number of claims disposed of
      during the most recent calendar year on Health Policies issued to members
      of the ALLIANCE.

            (v) Litigation Report. The number of legal actions brought against
      CARRIER with respect to any Products sold to members of the ALLIANCE, the
      number of such actions disposed of during the most recent calendar year
      and a brief description of any material litigation pending at year-end.

            (vi) Certificate of Compliance, containing the calculation of
      CARRIER's compliance with the limitation on Marketing Expense and the
      limitation on Administrative Expense for the most recent calendar year
      and, if CARRIER did not comply with either of such limitations, CARRIER's
      plan for curing such non-compliance.

            (b) Quarterly Reports. Within 60 days following the end of each
      calendar quarter during the Term hereof (other than the fourth quarter of
      each year), CARRIER shall provide to the ALLIANCE unaudited statutory
      financial statements of CARRIER filed with the state insurance
      departments, and a Health Insurance in Force Report, as described in
      Section 4(a)(ii) above, in each case as of the end of and for such
      calendar quarter.

      (c) Other Reports. CARRIER shall also provide such other reports as may
reasonably be requested by the ALLIANCE during the term hereof.

5. NOTICE OF RATE INCREASES. CARRIER shall provide to the ALLIANCE not less than
30 days advance written notice of any premium rate increases. Such notice shall
include a statement that such premium rate increase is deemed necessary based
upon the analysis of the actuarial department of CARRIER.

6. MUTUAL DISCLOSURES. CARRIER and the ALLIANCE each agree that they will
promptly notify the other Party of any complaints or notices of investigations
that they receive which will or may involve the other Party.

7. CONFIDENTIALITY: Each of the Parties recognize that in the course of
exercising its rights and performing its obligations under this Agreement it
will come into possession of confidential or proprietary information of the
other Party or of customers of the other Party ("Confidential Information").
Each Party agrees that it will not disclose to anyone not a Party to this
Agreement any Confidential Information of the other Party or its customers and
will not use any such Confidential Information except to the extent necessary to
carry out its obligations hereunder. Each Party agrees to comply with the
confidentiality requirements imposed on it by state and Federal law, including
the Health Insurance Portability and Accountability Act of 1996 ("HIPPA").
Confidential Information does not include information which (i) is or becomes
generally available to the public other than pursuant to a violation of this
Agreement, (ii) was available to the Parties on a non-confidential basis prior
to its disclosure by the other Party or its customer to such Party or (iii)
became available to a Party on a non-confidential basis from a third party who
was not bound by a confidentiality agreement with respect to such information.

8. REPRESENTATIONS AND WARRANTIES:

      (a) CARRIER hereby represents and warrants to the ALLIANCE as follows:

            (i) CARRIER is a corporation duly organized, validly existing and in
      good standing under the laws of the State of Oklahoma and has all
      necessary corporate power and authority to enter into this Agreement and
      to consummate the transactions contemplated hereby and to perform its
      obligations hereunder.

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            (ii) All corporate and other actions or proceedings required to be
      taken by or on the part of CARRIER to authorize and permit the execution
      and delivery by it of this Agreement, the performance by it of its
      obligations hereunder, and the consummation by it of the transactions
      contemplated herein and therein, have been duly and properly taken.

            (iii) This Agreement constitutes the legal, valid and binding
      obligation of CARRIER, enforceable against it in accordance with its
      terms, except as such enforceability may be limited by applicable
      bankruptcy, insolvency, moratorium, reorganization or similar laws in
      effect which affect the enforcement of creditors' rights generally and by
      equitable limitations on the availability of specific remedies.

            (iv) CARRIER is duly licensed and has authority to issue Health
      Policies and certificates to insureds in each of the states in which
      CARRIER is currently issuing such policies and CARRIER will obtain and
      retain all licenses necessary to conduct CARRIER's business during the
      term hereof.

            (v) No authorization, approval, or consent of, and no filing or
      registration with, any Governmental Authority or third party is or will be
      necessary for the execution, delivery of this Agreement, or performance by
      CARRIER or for the validity or enforceability thereof, except for such
      approvals or consents which have been obtained or made.

      (b) The ALLIANCE hereby represents and warrants to CARRIER as follows:

            (i) The ALLIANCE is a membership organization that is duly
      organized, validly existing and in good standing under the District of
      Columbia Nonprofit Corporation Act and has all necessary corporate power
      and authority to enter into this Agreement and to consummate the
      transactions contemplated hereby and to perform its obligations hereunder.

            (ii) All corporate and other actions or proceedings required to be
      taken by or on the part of the ALLIANCE to authorize and permit the
      execution and delivery by it of this Agreement, the performance by it of
      its respective obligations hereunder, and the consummation by it of the
      transactions contemplated herein and therein, have been duly and properly
      taken.

            (iii) This Agreement constitutes the legal, valid and binding
      obligation of the ALLIANCE, enforceable against it in accordance with its
      terms, except as such enforceability may be limited by applicable
      bankruptcy, insolvency, moratorium, reorganization or similar laws in
      effect which affect the enforcement of creditors' rights generally and by
      equitable limitations on the availability of specific remedies.

            (iv) No authorization, approval, or consent of, and no filing or
      registration with, any Governmental Authority or third party is or will be
      necessary for the execution, delivery of this Agreement, or performance by
      the ALLIANCE or for the validity or enforceability thereof, except for
      such approvals or consents which have been obtained or made.

9. INDEMNIFICATION:

      (a) Indemnification by CARRIER. CARRIER agrees to indemnify and hold
harmless the ALLIANCE and each of the ALLIANCE's officers, directors, employees
and agents (collectively, an "ALLIANCE Indemnified Party") from and against any
and all losses, damages (including, without limitation, actual damages,
compensatory damages, punitive damages and extra-contractual damages),

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liabilities, penalties, regulatory fines, costs and expenses (including, without
limitation, attorneys' fees, investigation costs and all other reasonable costs
associated with the defense thereof) (collectively, "Losses"), as incurred,
arising out of or relating to (a) any breach of, or any inaccuracy in, any
representation or warranty made by CARRIER in this Agreement; (b) any breach of,
or failure by, CARRIER to perform any covenant or obligation of CARRIER set out
in this Agreement; and (c) any other Loss resulting from, or arising out of any
acts, occurrences or matters caused by CARRIER, including but not limited to
CARRIER's Cornerstone America marketing division ("Cornerstone") and the
independent insurance agents under contract with Cornerstone, provided that such
Loss was not caused in whole or in material part by the act or omission of an
ALLIANCE Indemnified Party.

      (b) Indemnification by the ALLIANCE. The ALLIANCE agrees to indemnify and
hold harmless CARRIER and each of CARRIER's officers, directors, employees and
agents (collectively, a "CARRIER Indemnified Party") from and against any and
all Losses, as incurred, arising out of or relating to (a) any breach of, or any
inaccuracy in, any representation or warranty made by the ALLIANCE in this
Agreement; (b) any breach of, or failure by, the ALLIANCE to perform any
covenant or obligation set out in this Agreement; and (c) any other Loss
resulting from, or arising out of any acts, occurrences or matters caused by the
ALLIANCE, provided that such Loss was not caused in whole or in material part by
the act or omission of a CARRIER Indemnified Party.

      (c) Conduct of Indemnification Proceedings.

            (i) If any proceeding shall be brought or asserted against any
      person and/or entity entitled to indemnity hereunder (an "Indemnified
      Party"), such Indemnified Party promptly shall notify the person from whom
      indemnity is sought (the "Indemnifying Party") in writing, and the
      Indemnifying Party shall assume the defense thereof, including the
      employment of counsel reasonably satisfactory to the Indemnified Party and
      the payment of all fees and expenses incurred in connection with the
      defense thereof; provided, however, that the failure of any Indemnified
      Party to give such notice shall not relieve the Indemnifying Party of its
      obligations or liabilities pursuant to this Agreement, except to the
      extent (and only to the extent) that it shall be finally determined by a
      court of competent jurisdiction (which determination is not subject to
      appeal or further review) that such failure shall have proximately and
      materially adversely prejudiced the Indemnifying Party.

            (ii) An Indemnified Party shall have the right to employ separate
      counsel in any such proceeding and to participate in the defense thereof,
      but the fees and expenses of such counsel shall be at the expense of such
      Indemnified Party or Parties unless: (1) the Indemnifying Party has agreed
      in writing to pay such fees and expenses; or (2) the Indemnifying Party
      shall have failed promptly to assume the defense of such Proceeding and to
      employ counsel reasonably satisfactory to such Indemnified Party in any
      such Proceeding; or (3) the named parties to any such proceeding
      (including any impleaded parties) include both such Indemnified Party and
      the Indemnifying Party, and such Indemnified Party shall have been advised
      by counsel that a conflict of interest is likely to exist if the same
      counsel were to represent such Indemnified Party and the Indemnifying
      Party (in which case, if such Indemnified Party notifies the Indemnifying
      Party in writing that it elects to employ separate counsel at the expense
      of the Indemnifying Party, the Indemnifying Party shall not have the right
      to assume the defense thereof and such counsel shall be at the reasonable
      expense of the Indemnifying Party). The Indemnifying Party shall not be
      liable for any settlement of any such proceeding effected without its
      written consent, which consent shall not be unreasonably withheld, delayed
      or conditioned. No Indemnifying Party shall, without the prior written
      consent of the Indemnified Party, effect any settlement of any pending
      proceeding in respect of which any Indemnified Party is a party, unless
      such settlement includes an unconditional release of such Indemnified
      Party from all liability on claims that are

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      the subject matter of such proceeding.

            (iii) All fees and expenses of the Indemnified Party (including
      reasonable fees and expenses to the extent incurred in connection with
      investigating or preparing to defend such proceeding in a manner not
      inconsistent with this Section) shall be paid to the Indemnified Party, as
      incurred, within ten (10) business days of a detailed written notice
      thereof to the Indemnifying Party (regardless of whether it is ultimately
      determined that an Indemnified Party is not entitled to indemnification
      hereunder; provided, that the Indemnifying Party may require such
      Indemnified Party to undertake to reimburse all such fees and expenses to
      the extent it is finally judicially determined that such Indemnified Party
      is not entitled to indemnification hereunder).

10. RELATIONSHIP OF THE PARTIES. The relationship of the Parties created hereby
is that of independent contractors, and each Party has and retains the right to
full control over the performance of its obligations hereunder. Neither Party is
an employee, joint venturer, affiliate or partner of the other Party, and
neither Party shall have any right or authority to create or assume any
obligation of any kind on behalf of the other Party.

11. AUDIT RIGHTS. The ALLIANCE, itself or by its agents, shall have the right,
on reasonable written notice, during regular business hours and at the
ALLIANCE's expense, to review and audit the books and records of CARRIER
relating to the obligations of CARRIER hereunder. The ALLIANCE shall reimburse
CARRIER for expenses incurred by CARRIER in assisting the ALLIANCE in such
review and audit. The provisions of this Section 11 shall survive for a period
of two years beyond the termination or expiration of this Agreement.

12. FORCE MAJEURE. Neither Party shall be held responsible for any delay or
failure in performance of any part of this Agreement to the extent such delay or
failure is caused by fire, flood, explosion, war, terrorist act, strike,
embargo, government requirement, civil or military authority, act of God, act or
omission of transportation carriers or other similar causes beyond its control
and without the fault or negligence of the delayed or non-performing Party or
its subcontractors ("Force Majeure Conditions"). If any Force Majeure Condition
occurs, the Party delayed or unable to perform shall give immediate notice to
the other Party, stating the nature of the Force Majeure Condition and any
action being taken to avoid or minimize its effect and its estimate of how long
such delay or failure will continue. If the Force Majeure Condition continues
for a period of at least 180 days, either Party may terminate this Agreement by
delivery of written notice to the other Party.

13. NOTICES. Any notice, request, instruction or other communication to be given
hereunder by a Party hereto shall be in writing and shall be deemed to have been
given, (i) when received if given in person or by a messenger or courier
service, (ii) on the date of confirmed transmission if sent by facsimile or
other wire transmission or (iii) three Business Days after being deposited in
the U.S. mail, certified or registered, postage prepaid, addressed as follows:

                        If to the ALLIANCE:

                        Alliance for Affordable Services
                        Mangrove Office Building
                        17757 U.S. Highway 19, North
                        Suite 260
                        Clearwater, FL 33764
                        Attention: William Callaghan
                        Facsimile No.: (727) 531-2778

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                        With a copy to:

                        Alliance for Affordable Services
                        P.O. Box 612547
                        Dallas, TX 75261-2547
                        Attention: Lee Strahan
                        Facsimile No.: (800) 847-8889

                        If to CARRIER:

                        The Chesapeake Life Insurance Company
                        9151 Grapevine Highway
                        North Richland Hills, Texas 76180
                        Attention: President
                        Facsimile No.: (817) 255-8380

                        With a copy to:

                        UICI
                        9151 Grapevine Highway
                        North Richland Hills, Texas 76180
                        Attention: Executive Vice President and General Counsel
                        Facsimile No.: (817) 255-5394

or to such other individual or address as a Party hereto may designate for
itself by notice given as herein provided.

14. WAIVERS. The failure of either Party hereto at any time or times to require
performance of any provision hereof shall in no manner affect its right at a
later time to enforce the same or any other provision. No waiver by a Party of
any condition or of any breach of any term, covenant, representation or warranty
contained in this Agreement shall be effective unless in writing, and no waiver
in any one or more instances shall be deemed to be a further or continuing
waiver of any such condition or breach in other instances or a waiver of any
other condition or breach of any other term, covenant, representation or
warranty.

15. COUNTERPARTS. This Agreement may be executed in counterparts, including by
facsimile signatures, each of which shall be deemed an original, but all of
which together shall constitute one and the same instrument.

16. INTERPRETATION. The headings preceding the text of Sections included in this
Agreement are for convenience only and shall neither be deemed part of this
Agreement nor be given any effect in interpreting this Agreement. The use of the
terms "including" or "include" shall in all cases herein mean "including,
without limitation" or "include, without limitation," respectively. The Parties
have jointly participated in the negotiation and drafting of this Agreement. In
the event of any ambiguity or if a question of intent or interpretation arises,
this Agreement shall be construed as if drafted jointly by all Parties and no
presumption or burden of proof shall arise favoring any Party by virtue of the
authorship of any provisions of this Agreement.

17. ASSIGNMENT. This Agreement shall be binding upon and inure to the benefit of
the Parties and their respective successors and assigns. Notwithstanding the
foregoing, no assignment of any rights or obligations shall be made by either
Party without the written consent of the other Party.

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18. NO THIRD PARTY BENEFICIARIES. This Agreement is solely for the benefit of
the Parties hereto and no provision of this Agreement shall be deemed to confer
upon other third parties any remedy, claim, liability, cause of action or other
right.

19. FURTHER ASSURANCES. Upon reasonable request of either Party, the other Party
will execute and deliver such other documents as may be required to effectuate
completely the purposes of this Agreement.

20. SEVERABILITY. If any provision of this Agreement shall be held invalid,
illegal or unenforceable, the validity, legality or enforceability of the other
provisions hereof shall not be affected thereby, and there shall be deemed
substituted for the provision at issue a valid, legal and enforceable provision
as similar as possible to the provision at issue.

21. REMEDIES CUMULATIVE. The remedies provided in this Agreement shall be
cumulative and shall not preclude the assertion or exercise of any other rights
or remedies available by law, in equity or otherwise.

22. ENTIRE AGREEMENT; AMENDMENTS. This Agreement sets forth the entire agreement
and understanding of the Parties with respect to the matters set forth herein
and supersedes any and all prior written or oral discussions, negotiations,
proposals, agreements, arrangements and understandings among the Parties
relating thereto except as may be set forth in a contemporaneous or subsequent
written agreement signed by the Parties and except that nothing contained herein
shall affect any rights of either Party under the 1999 Agreement accrued as of
the date hereof. The provisions of this Agreement may not be modified, changed,
amended or rescinded in any manner except by a written instrument signed by an
authorized representative of all of the Parties hereto.

23. GOVERNING LAW. This Agreement shall be governed by and construed in
accordance with the laws of the State of Texas, without reference to its choice
of law rules. Each party to this Agreement irrevocably agrees that any legal
action or proceeding under, arising out of or in any matter relating to this
Agreement may be brought in state or federal court in Dallas County, Texas and
each party hereby assents and submits to the personal jurisdiction by such
courts in any such action or proceeding.

24. TERM.

      (a) The term (the "Term") of this Agreement shall commence on the date
hereof and shall continue until December 31, 2007

      (b) This Agreement may be terminated by either Party hereto (the
"Terminating Party") upon not less than 45 days' prior written notice to the
other Party (the "Defaulting Party") upon the occurrence of any of the following
events:

            (i) Any representation, warranty or certification made or deemed
      made by the Defaulting Party (or any of its respective officers) hereunder
      or in any certificate, report, notice, or financial statement furnished at
      any time in connection with the Agreement shall be false, misleading, or
      erroneous in any material respect when made or deemed to have been made.

            (ii) The Defaulting Party shall fail to perform, observe, or comply
      with any material covenant, agreement, or term contained in the Agreement
      and such failure shall continue for a period of thirty (30) days after the
      date the Terminating Party provides the Defaulting Party with notice
      thereof.

            (iii) The Defaulting Party shall admit in writing its inability to,
      or be generally unable to, pay its debts as such debts become due.

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            (iv) The Defaulting Party shall (i) apply for or consent to the
      appointment of, or the taking of possession by, a receiver, rehabilitator,
      conservator, custodian, trustee, liquidator or the like of itself or of
      all or a substantial part of its property, (ii) make a general assignment
      for the benefit of its creditors, (iii) commence a voluntary case under
      the United States Bankruptcy Code (as now or hereafter in effect, the
      "Bankruptcy Code"), (iv) institute any proceeding or file a petition
      seeking to take advantage of any other law relating to bankruptcy,
      insolvency, reorganization, liquidation, dissolution, winding-up, or
      composition or readjustment of debts, (v) fail to controvert in a timely
      and appropriate manner, or acquiesce in writing to, any petition filed
      against it in an involuntary case under the Bankruptcy Code or under any
      other such law, or (vi) take any corporate or other action for the purpose
      of effecting any of the foregoing.

            (v) A proceeding or case shall be commenced, without the
      application, approval or consent of the Defaulting Party, in any court of
      competent jurisdiction, seeking (i) its reorganization, liquidation,
      dissolution, arrangement or winding-up, or the composition or readjustment
      of the Defaulting Party's debts, (ii) the appointment of a receiver,
      rehabilitator, conservator, custodian, trustee, liquidator or the like of
      such entity or of all or any substantial part of its property, or (iii)
      similar relief in respect of the Defaulting Party under any law relating
      to bankruptcy, insolvency, reorganization, winding-up, or composition or
      adjustment of debts, and such proceeding or case shall continue
      undismissed, or an order, judgment or decree approving or ordering any of
      the foregoing shall be entered and continue unstayed and in effect, for a
      period of sixty (60) or more days; or an order for relief against the
      Defaulting Party shall be entered in an involuntary case under the
      Bankruptcy Code.

25. BINDING ARBITRATION. Any dispute, controversy, or claim among or between the
Parties relating to or arising from this Cash Collection Agreement shall be
submitted to and settled by binding arbitration ("Arbitration"), administered by
the Dallas, Texas office of the American Arbitration Association ("AAA") and
conducted pursuant to the current rules of the AAA governing commercial
disputes. The Arbitration hearing shall take place in Dallas, Texas, unless
otherwise agreed to by the Parties. Such Arbitration shall be before three
neutral arbitrators (the "Panel") licensed to practice law and familiar with
commercial disputes. Any award rendered in any Arbitration shall be final and
conclusive upon the Parties, and the judgment thereon may be entered in the
highest court of the forum (state or federal) having jurisdiction over the
issues addressed in the Arbitration. The administration fees and expenses of the
Arbitration shall be borne equally by the Parties to the Arbitration, provided
that each Party to the Arbitration shall pay for and bear the cost of its own
experts, evidence, and attorney's fees for the Arbitration, except that, in the
discretion of the Panel, any award may include the cost of a Party's counsel for
the Arbitration and/or its share of the expense of the Arbitration if the Panel
expressly

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determines that an award of such costs is appropriate to the Party to the
Arbitration whose position substantially prevails in such Arbitration. To submit
a matter to Arbitration, the Party seeking redress shall notify in writing the
Party or Parties against which such redress is sought, describe the nature of
such claim, the provision of this Cash Collection Agreement that has allegedly
been violated and the material facts surrounding such claim. The Panel shall
render a single written decision. The decision of the Panel shall be binding
upon the Parties to the Arbitration, and after the completion of such
Arbitration, the Parties to the Arbitration may only institute litigation
regarding the arbitrated claim under the Cash Collection Agreement for the sole
purpose of enforcing the determination of the Arbitration hearing or seeking
injunctive or equitable relief.

      IN WITNESS WHEREOF, the Parties have caused this Agreement to be executed
and delivered as of the date first above written.

                                         ALLIANCE FOR AFFORDABLE SERVICES

                                         By: __________________________________

                                         Print Name: __________________________

                                         Title: _______________________________

                                         THE CHESAPEAKE LIFE INSURANCE COMPANY

                                         By: __________________________________

                                         Print Name: __________________________

                                         Title: _______________________________

                                       10<PAGE>

                                                                   EXHIBIT 10.95

                  [THE CHESAPEAKE LIFE INSURANCE COMPANY LOGO]

                         MASTER GENERAL AGENT AGREEMENT

TIM McCOY & ASSOCIATES INC.
--------------------------
Full Name (Agency Name, if Partnership or Corporation)

P.O BOX 163010
--------------
Address

AUSTIN                  TX              78716-3010
------                  --              ----------
City                  State              Zip Code

This Agreement between The Chesapeake Life Insurance Company (hereinafter
referred to as the "Company"), and the Master General Agent named herein,
(hereinafter referred to as "you," "your" or "yours") is subject to the
following terms and conditions:

1. APPOINTMENT & DESIGNATION: You are hereby appointed as the Master General
Agent of the Company for the purpose of soliciting, personally or through other
agents, applications for the Company's products in accordance with this
Agreement. Soliciting brokers or agents you submit for appointment and approved
by the Company are referred to as agents. The Company reserves the right to
refuse appointment or terminate appointment of any agent. This Agreement does
not grant exclusive rights in any territory or for any products.

2. RELATIONSHIP: Your relationship to the Company shall be that of an
independent contractor and nothing contained in the Agreement shall make you or
any of your employees, employees of the Company. You and your agents have no
authority except that which is expressly set forth in this Agreement. No
authority shall be implied from the authority expressly granted.

3. AUTHORITY & GENERAL RESPONSIBILITY: You agree to be responsible for the
prompt delivery of policies or premium refunds sent to you or agents under you
in accordance with the Company's rules and instructions; for agents following
all Company rules and instructions; to make full disclosure to us of all facts
known or learned about any applicant for coverage that relates to insurability;
for complying with all state, federal and local laws, orders, rules,
regulations, statutes and guidelines, including without limitation any State
statute, regulation, order or interpretation in effect requiring you to protect
the privacy of all "Nonpublic Personal Information" that you have about an
applicant, owner, insured, annuitant, beneficiary or other person who seeks to
obtain, obtains or has obtained a product or service from the Company; for
obtaining, maintaining, and paying for the necessary licenses and appointment
fees in the states in which you and your agents operate, whether resident or
nonresident. You also agree to keep on file a signed copy of the Promissory
Note, Guaranty and Security Agreement, herein made part of the contract. The
Company shall not be responsible for any expense you or your agents incur,
losses to the Company by you or your agent's acts or omissions, or any credit,
advance or commission you make or pay to any agent. You agree to conduct your
activities in a professional manner and abide by all present and future
decisions and instructions issued by the Company. You agree to honor the
Company's Code of Conduct detailed in the Ethics Policy attached and made part
of this Agreement and you further agree to ensure that agents under you are
familiar and compliant with the Company's Ethics Policy and Code of Conduct.

You agree to provide the Company with copies of all manuals, booklets, guides
and audiovisual materials used in the recruitment and training of your agents.
After giving you reasonable notice, the Company may visit your office, inspect
all records, transactions, correspondence and other information we may
reasonably require, accompany you while you represent the Company, all at
reasonable times and only in relation to business that has been placed with us.

"Nonpublic Personal Information" has the meaning set forth in section 509 of the
Gramm-Leach Bliley Act (P.L. 106-102) and any federal and state laws and
regulation that implement that Act and includes but is not limited to name,
address, and financial or health information of a policyholder, insured,
applicant and prospect.

This section survives the termination of the Master General Agent Contract.

The Company authorizes you to (a) solicit applications for insurance only on
products specified on the attached Compensation Schedule, and similar or related
documents required by the Company and to forward these documents promptly to the
Company for consideration, (b) receive any application fee and initial premium
at the time of application and/or additional first year premium collected when a
policy is

<PAGE>

delivered, provided you immediately submit the whole amount received to the
Company, (c) promptly deliver the policies issued by the Company to the insured
and while the applicant's health has not changed and premiums have been paid in
full.

4. AGENT'S CONTRACTS: You shall use without alteration the Company's printed
contracts when contracting an agent. No such agent contract shall be in force
until (a) the contract is properly executed by the agent, (b) the agent is duly
and properly licensed to solicit for the Company, and (c) the agent is notified
in writing that he/she is authorized to solicit for the Company.

5. RESTRICTIONS: Your authority does not permit you or your agents to do any of
the following acts or to commit the Company to perform any of the following acts
prior, during or after termination of this Agreement:

      A.    waive, modify or change any terms, rates, conditions or limitations
            of any policy; premium receipt or any other writing for the Company;

      B.    approve evidence of insurability, bind or commit the Company on any
            risk in any manner, or incur any expense or obligation in the name
            of the Company;

      C.    collect or receive any premiums except initial premiums and/or
            additional first year premium collected when a policy is delivered,
            accept any payment of any past due premium except as requested by
            the Company, or rebate any premium in any manner whether directly or
            indirectly, or commingle any premiums in a personal or business
            account, other than a premium trust fund account;

      D.    extend the time for any premium payment or reinstate any policy;
            waive or extend any policy condition or waive any forfeiture;

      E.    adjust, settle or commit the Company to any claim; make any
            representation or state any opinion regarding the validity or
            payment of any claim;

      F.    solicit in any state without a valid insurance license and
            appointment in that state;

      G.    enter into any legal proceedings pertaining to the Company's
            business as a representative of the Company;

      H.    take a course of action or aid others to roll business, to induce,
            or attempt to induce, insureds of the Company to terminate, reduce
            coverage or replace policies issued by the Company or otherwise
            disturb the relationship between the Company and its insured, or
            induce or attempt to induce any affiliated agent of the Company to
            cease association with the Company, or disparage the Company in any
            manner;

      I.    utilize, in the marketing efforts performed under this Agreement,
            any advertising material other than that furnished to you by the
            Company or approved in writing by the Company. Advertising material
            includes but is not limited to (i) printed and published material,
            audiovisual material, or descriptive literature used in direct mail,
            newspapers, magazines, radio and television scripts, billboards and
            similar displays; (ii) descriptive literature and sales aids of all
            kinds including but not limited to circulars, leaflets, booklets,
            illustrations, computer proposals and form letters; (iii) all
            letterhead or business cards containing the Company's name or logo

      J.    cash, endorse or negotiate any check, money order or draft made
            payable to the Company, without expressed written consent from the
            Company;

      K.    use the name or initials of the Company; or any affiliate of the
            Company, in whole or in part, in any business or trade name without
            express written consent from the Company.

6. LICENSES: You and your agents must be properly licensed and appointed in
every state in which commissions may be earned. Unless you are licensed and
appointed, we are unable to pay you commissions on the business you produce or
the business produced by agents reporting to you. The Company will not accept
applications from an unlicensed agent. While you are responsible for all
licensing and appointment fees, the Company may pay your appointment renewal
fees for you and debit your commission account for those renewal fees. You must
notify the Company if you do not want to be reappointed.

7. RIGHTS: The Company specifically reserves the right to (a) cease doing
business in any state and to discontinue or withdraw from sale, any policy or
special marketing concept in any state, (b) modify, change, or amend any policy
or premium rate, (c) determine maximum and minimum limitations on any policy (d)
modify, change or amend the conditions or terms under which any policy may be
offered, (e) modify, change, amend, delete or add any Company procedure, (f)
reject applications or refund premiums submitted by you or your agents without
specifying the cause, (g) change future commission rates.

8. COMMISSIONS:

      A.    The Company shall pay compensation in accordance with the
            Compensation Schedule(s) which form a part of this Agreement, on
            those premiums paid to the Company on persons insured with the
            Company; provided you continue to be listed as the agent of record.
            The Company will reduce compensation due you by the commission and
            renewal commissions due your agents.

      B.    The Company may at any time and from time to time change; (i) the
            Plans contained in the Compensation Schedules by adding or deleting
            one or more insurance Plans; and (ii) the Compensation Rates
            (initial and renewal) applicable to the respective Plans. Any change
            shall be by written notice to the Producer and shall apply only with
            respect to business issued on or after the date referred to in such
            notice and for which commissions are payable under the Agreement.

      C.    Compensation shall be payable at the time premiums are paid to the
            Company, during the next published cycle date, on issued coverage.
            The Company and you agree that when the amount of compensation to be
            paid is less than $25.00, such compensation shall not be paid to you
            at the time of receipt of premium or contribution by the Company,
            but shall accrue and be payable when the compensation owed equals or
            exceeds $25.00.

      D.    The Company reserves the right to adjust commission on conversions,
            exchanges, replacements, reinstatements, or on other requests
            according to our then existing rules. The Company reserves the right
            to set the commission, if any, on premium increases.

<PAGE>

      E.    In the event of refund, return or noncollection by the Company of
            premiums or contributions on which compensation has been paid or
            credited to your account, the Company at its discretion may: (i)
            require you to reimburse said compensation, and/or (ii) offset said
            amount of compensation from any future compensation earned.

      F.    You are not entitled to any compensation on those cases that the
            Company, in its sole discretion, may reject for coverage. No
            compensation shall be payable on premiums or contributions which
            have been waived by the Company.

      G.    The Company will provide you at least monthly with a statement of
            your commission account which will be considered a single account
            between you and the Company. If your statement has a debit balance,
            no cash payments are due you. Commissions will be credited to your
            account at the time the premium and application for a policy are
            received and coverage has been issued by the Company. If the Company
            in its discretion makes an adjustment resulting in a return of
            premium or the insured's premium check or draft is dishonored, the
            commissions originally credited to your account for these premiums
            will be reversed. Objections to commission statements must be made
            within 30 days of mailing the statements, otherwise it shall be
            deemed you have agreed to the correctness of such statement and
            remittance by the Company.

      H.    Vested commissions shall be paid to you, your estate in event of
            death or credited to your account if this Agreement is terminated
            without cause as long as you continue to be listed as the Agent of
            Record. If commission earnings for 12 consecutive months fall below
            $250.00, such commissions will be forfeited. If the Company, after a
            reasonable effort, is unable to determine your whereabouts or the
            whereabouts of any person entitled to your commission, such
            commission shall, if unclaimed for a period of twelve (12)
            consecutive months be forfeited to your hierarchy.

9. TERMINATION WITHOUT CAUSE: At any time either you or the Company may
terminate this Agreement without cause by giving 10 days notice in writing sent
to the last known address of the other. This Agreement shall immediately
terminate without cause upon your death or total disability. Upon termination,
any and all indebtedness shall be immediately due and payable.

10. TERMINATION FOR CAUSE: This Agreement shall immediately terminate for cause
and all rights including compensation forfeited for any of the following
reasons: (a) if you have converted or withheld any funds, commissions or other
compensation owed or belonging to the Company or associated agency; (b) if you
have knowingly misrepresented any product or service offered by the Company or
health history of an applicant; (c) if you breach or fail to comply with any
provision of the Agreement; (d) if you attempt or commit any act of fraud or are
convicted of a felony; or (e) if, in order to induce the Company to enter into
this Agreement, you knowingly furnish false information of a material nature or
fail to disclose unfavorable information of a material nature; (f) you fail to
comply with the laws of any regulatory authority; (g) your license is revoked,
suspended, surrendered or refused renewal by any regulatory agency; (h) you used
any advertising material not authorized by the Company, or (i) you or your
agents fail to clear any indebtedness upon demand or fail to respond to any
correspondence requiring a response and within the time prescribed (j) if you
breach any of the principals detailed in the Company Code of Conduct or the
Company Ethics Policy. If this Agreement is terminated without cause and cause
is later proved to exist, then your remaining rights shall be forfeited and end
from the date of the action giving rise to termination for cause, even if this
action occurs subsequent to the original termination date.

11. INDEBTEDNESS: You are responsible for the payment to the Company of all
monies which (a) you or your agents collect on the Company's behalf; (b) are due
the Company because of compensation paid to you or your agents upon refund,
return or noncollection of premiums, and will keep on file with the Company, a
Promissory Note Guaranty and Security Agreement, which forms a part of this
Master General Agent Agreement; (c) are advanced or paid to you or your agents
which are not due you or your agents under this Agreement. Until the Company
receives all monies from you, the same shall be payable on demand and for which
you are liable and no commissions are payable at the Company's option to you or
your agents until such indebtedness is satisfied. Any indebtedness to the
Company or associated agency incurred by you shall be a first lien on any monies
due or to become due under this Agreement. The Company may, at any time, deduct
from any monies due you, any such indebtedness together with interest at the
legal rate and any collection costs.

You hereby irrevocably assign to us any and all commissions or other income due
or to become due you from any source whatsoever to be paid to and applied by us,
in payment or partial payment of any indebtedness that may be owed by you or
your agents. You hereby direct and authorize any person or company with whom you
may heretofore or hereafter contract to pay any such sums under this assignment
upon demand by us. If you should take or be placed into bankruptcy to the extent
of any amount due the Company under this or any Agreement with the Company, no
compensation shall be payable under this Agreement and such compensation shall
immediately become the Company's property.

12. ASSIGNMENT: No assignment of any compensation due or to become due under
this Agreement shall be valid unless approved in advance in writing by a duly
authorized officer of the Company. Any assignment of compensation shall be
subject to any existing or future indebtedness to the Company.

13.REMITTANCES: You are responsible for any monies received or collected on
behalf of the Company, whether by you, your employees and/or agents. All monies
should be held by you in a fiduciary capacity until remitted in full to the
Company and shall not be misappropriated, commingled, converted or withheld from
the Company.

14. INDEMNITY: You agree to indemnify and hold the Company and any associated
agency harmless from any and all expenses, costs, fines, damages or causes of
action incurred by the Company and/or associated agency resulting from your
negligent, fraudulent or unauthorized acts or omissions or those of your
employees and/or agents.

15. MATERIALS, RECORDS AND NOTICE: Materials developed and provided to you by
the Company, including but not limited to, computer programs, manuals,
advertising materials, underwriting guidelines, or any other information
pertaining to the Company's products or their content shall remain the sole and
exclusive property of the Company. These materials shall be used only in the
solicitation of applications and may not be used for any other purpose. Such
materials shall be delivered to the Company upon demand there for, and in any
event upon the termination of this Agreement for any reason. Upon receipt of any
summons or other notice of suit or regulatory

<PAGE>

authority inquiry, wherein the Company is a party in any manner, you will
immediately forward any and all such documents to The Chesapeake Life Insurance
Company in Oklahoma City, Oklahoma by facsimile, express or overnight mail or
courier.

16. NON-WAIVER & VENUE: The Company, in addition to other legal and equitable
rights and remedies, shall be entitled to injunctive relief to restrain any
active or threatened breach of this Agreement. Forbearance or neglect of Company
to insist upon the performance of any provision of this Agreement at any time or
under any circumstances shall not constitute a waiver of that provision or any
other provision of this Agreement. All provisions of this Agreement are distinct
and servable. If any provision of this Agreement shall be deemed to be void,
invalid or otherwise unenforceable under law or equity, the same shall not
affect the validity, legality or enforceability of any other provision or
portion of the Agreement. You agree venue for any action, suit, proceeding or
dispute shall be exclusively in Oklahoma City, Oklahoma with respect to any
claim or cause of action, whether in law or in equity, including specific
performance, arising under or relating to this Agreement, and waives personal
service of any and all process upon it, and consents that all service of process
given under any provision of this Agreement shall be complete and may be made by
certified or registered mail, postage prepaid and return receipt requested to
your last known business address according to Company records.

17. ENTIRE AGREEMENT: This Agreement along with any Company Ethics Policy and
Code of Conduct, Agent Appointment Application and Promissory Note, Guaranty and
Security Agreement form the entire Agreement between the Company and you as to
the Plans of Insurance specified in the Compensation Schedule(s) which form a
part of this Agreement and shall be construed in accordance with the laws of
Oklahoma. This Agreement shall supersede any other agreement between the Company
and you.

18. EFFECTIVE DATE: The Agreement shall be effective on the date it is accepted
and executed by the Company.

SECTION 1. Check One:    [ ] PARTNERSHIP     [X] CORPORATION

TIM McCOY & ASSOCIATES INC.                       74-2431120
----------------------------------------          ----------
Print Name of Partnership or Corporation          Tax ID No.
(Name on License)

/s/ TIM J. McCOY                                   4-16-03
----------------------------------------           -------
Signature of Partner Corporate Officer               Date
and Title

SECTION 2. FOR THE COMPANY - THE CHESAPEAKE LIFE INSURANCE COMPANY

By: /s/ JIM N. PLATO                               4-22-03
    ------------------------------                 -------
        Authorized Signature                         Date

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