Document:

PRODUCER AGREEMENT

This agreement  ("Agreement")  is made by and between  Fringe  Benefit  Analysts
("Producer")  and PacifiCare of Utah,  Inc. and PacifiCare  Health Option.  Inc.
("PacifiCare"), to be effective on November 1, 1998 , for the provision of sales
and  related  services  and  consists  of this data and  signature  page and the
following exhibits which are attached and incorporated into the Agreement:

         1. EXHIBIT 1 - TERMS AND CONDITIONS
         2. EXHIBIT 2 - COMPANY PRODUCTS AND TERRITORIES
         3. EXHIBIT 3 - COMMISSION SCHEDULE(S).

PRODUCER INFORMATION:

471 W Heritage Park Blvd., Ste #1 Layton    UT     84041
--------------------------------------------------------
Mailing Address                   City      State  Zip

(801) 773-8998                             (801 773-7717
----------------                           -------------
Telephone Number                           Fax Number

    3778                                   87-0618333
--------------------------------           --------------------------
License - Type and Number                  Tax ID Number or SS Number
(attach copy of current license)

Affinity Insurance Services (NALU)         NAL - 25462
----------------------------------         --------------------------
Errors & Omissions Carrier
(attach copy of current policy)

IN WITNESS WHEREOF, THE PARTIES HAVE AGREED TO THE EXECUTION OF THIS AGREEMENT,
AS MORE FULLY DESCRIBED ABOVE, BY THEIR SIGNATURES BELOW;

PRODUCER:                                       PACIFICARE:

Fringe Benefit Analysts
----------------------------------              --------------------------------
Producer Name (print or type)                   Representative (print or type)

/s/ Scott E. Deru, Manager
----------------------------------              --------------------------------
Signature                                       Signature

----------------------------------              --------------------------------
Corporate Name (if applicable)                  Title

----------------------------------              --------------------------------
Corporate Officer and Title                     Date
(if applicable)

November 3, 1998
----------------------------------
Date

                                                --------------------------------
                                                Producer Number
                                                (Assigned by PacifiCare)

                                                                      /s/ SD
                                                                      ----------

                                                                      ----------
                                                                      (Initials)

                                       1
<PAGE>

                                    EXHIBIT 1
                              TERMS AND CONDITIONS

                       ARTICLE I. OBLIGATIONS OF PRODUCER

1.1     Performance of Agreement  Generally.  Producer shall use its best erfons
        to solicit appiications for the PacifiCare Plan(sJ designated on Exhibit
        2 hereto from  groups/employers/individuals  within PacifiCare's service
        area. In order to comply with applicable  federal and stale regulations.
        Producer wiil perform as set forth in this Agreement and as set forth in
        PacifiCare administrative guidelines, bulletins, directives, manuals and
        the like. as PacifiCare  may publish from time to time. ail of which are
        incorporated  herein by  reference.  Producer  agrees that in performing
        under  this  Agreement,  Producer  shall  act in the best  interests  of
        PacifiCare and its clients.

1.2     Producer  Services.   Producer  will  service  PacifiCare  Plan  members
        enrolled through applications  submitted by Producer.  Such service will
        include but not be limited to the following:

        (a)  Acting as a liaison  between the member and PacifiCare if requested
             by  PacifiCare  or the member  including,  but not  limited to, the
             following:  Assisting  the  member  to take the  proper  action  in
             connection  with  PacifiCare  coverage  when  there is a change  of
             address, change in marital status or change in dependent status and
             assisting a family  member/dependent  to obtain coverage when he or
             she is no longer  entitled to coverage  as a family  member,  e.g.,
             when a dependent child reaches the limiting age, or upon divorce.

        (b)  Maintaining  a working  and  current  knowledge  of the  PacifiCare
             P!an(s)  designated  on Exhibit 2 and the  ability  to explain  the
             benefits and/or coverage.

 1.3    Licensure.   Producer  shall  comply  with  all   applicable   licensing
        requirements  required  to  transact  its  business  and  shall  provide
        PacifiCare with copies of its license upon the signing of this Agreement
        and promptly  upon each renewal of said  license,  thereafter.  Producer
        shall  promptly  notify  PacifiCare  of  any  expiration,   termination,
        suspension  or other action of the  Department of Insurance or any other
        applicable regulatory/licensing body affecting the Producer's license or
        the licenses of  Producer's  principal  persons or  employees.  Producer
        warrants  that his/her  license has not  previously  been subject to any
        suspension,   termination   or   other   disciplinary   action   by  any
        government/regulatory   authority  and  that  Producer  has  never  been
        convicted   of  a   felony   or  a   misdemeanor   involving   theft  or
        misappropriation of monies.

 1.4    Submission of Application  for Coverage.  Producer agrees to comply with
        all  of the  rules  and  regulations  of  PacifiCare  in  regard  to the
        completion and submission of applications and to make no  representation
        with respect to the benefits of any PacifiCare Plan or about  PacifiCare
        not in conformity  with the material  prepared and furnished to Producer
        for that purpose by PacifiCare. Producer will not make any misleading or
        deceptive  statement and will explain all relevant facts in dealing with
        prospective  and current  members and groups.  Producer will use his/her
        best  efforts to ensure that each  application  is fully and  truthfully
        completed  by the  applicant  and the  completed  application  fully and
        accurately discloses the circumstances, including, where applicable, the
        health of  persons  for whom  coverage  is  sought  in the  application.
        Producer  further agrees to inform every  applicant that PacifiCare will
        reiy upon these heaith  representations in the underwriting process, and
        that the  subsequent  discovery of material may result in the rescission
        or termination of any c()ntract entered into by PacifiCare,  and that in
        no event will Ac applicant  have any coverage  unie- o' o'- reviewed and
        approved by PacifiCare.

                                                                      /s/ SD
                                                                      ----------

                                                                      ----------
                                                                      (Initials)

                                       2
<PAGE>

1.5     Limits of authority  Producer is not  authorized  to. and agrees not to.
        enter into. alter, deliver,  replace, rescind, or terminate any contract
        on  behalf  of  PacifiCare.   nor  to  extend  time  for  payment,  make
        settlement,  or refund membership  premiums or any other charges or bind
        PacifiCare in any way without the prior written  approval of PacifiCare.
        Producer further agrees that PacifiCare reserves the right to reject any
        and all applications submitted by Producer.

1.6     Handling of Funds.  If the  Producer  receives  funds for the account of
        Company,  these funds shall not be deposited  by the  Producer  into any
        banK account,  but shall be remitted to Company within five (5) business
        days after such funds are received by the Producer.  Such funds shall be
        held by the  Producer in a fiduciary  capacity  for Company and shall at
        all times be segregated from the assets of the Producer.

 1.7    Maintenance of Records.  Producer agrees to maintain complete records of
        all transactions pertaining to applications submitted to and accepted by
        PacifiCare and its business  relationship  with PacifiCare for a minimum
        of five (5) years or as required by any  governmentai  entity or any law
        or regulation.  Any and all records  described above or as may otherwise
        relate to Producer's  activities in connection with PacifiCare  shall be
        accessible and available to representatives of PacifiCare who may review
        and/or audit and from time to time when this  Agreement is in effect and
        for a period of one (1) year after the  termination  of this  Agreement.

1.8     Limits on Compensation.  Producer shall seek compensation for performing
        under  this   Agreement   only  from   PacifiCare  and  shall  under  no
        circumstances  charge  prospective  or  current  members  or groups  any
        application,  processing  or other  broker,  analyst or  consultant  fee
        related to the performance of Producer's obligations hereunder. Producer
        shall under no circumstances attempt to collect from a PacifiCare member
        any sums owed by PacifiCare.

1.9     Insurance.  Producer  agrees to obtain and  maintain in force errors and
        omissions  insurance  in an  amount  of not  less  than  51,000,000  per
        occurrence  and in the  aggregate  at  Producer's  own expense and shall
        provide  evidence of such coverage to PacifiCare upon request.  Producer
        shall provide  PacifiCare  with thirty (30) days prior written notice of
        cancellation  of such insurance or of a reduction in coverage which does
        not meet the above minimum requirements.  Failure to obtain and maintain
        this insurance  satisfactory to PacifiCare.  shall be a material failure
        to comply with a provision  of this  Agreement  and cause for  immediate
        termination by PacifiCare.

1.10    Modification  of Programs.  Notwithstanding  any other provision in this
        Agreement,  Producer agrees that PacifiCare has the right to discontinue
        or modify,  or exercise any and all lawful  rights it has in  connection
        with any PacifiCare Plans or programs,  without  incurring any liability
        to Producer.

 1.11   Indemnification.   Producer   agrees  to  indemnify  and  hold  harmless
        PacifiCare,  its parent,  subsidiaries  and affiliates,  their boards of
        directors, officers, agents, successors, employees and assigns, from and
        against any and all claims,  liabilities,  demands,  actions,  causes of
        action,  judgements,  debts, damages and expenses (including  attorneys'
        fees)   arising   from  the  action  of   Producer   or  its  agents  or
        representatives.  This paragraph  shall survive the  termination of this
        Agreement.

                                                                      /s/ SD
                                                                      ----------

                                                                      ----------
                                                                      (Initials)

                                       3
<PAGE>

1.12    Trade Secrets.  Producer agrees to maintain the  confidentiality of -iny
        trade  secrets or  proprietary  information  obtained  or  learned  from
        PacifiCare and not to use such trade secrets or proprietary  information
        for  its  benefit  or the  benefit  of  others  except  as  specifically
        authorized  herein.  Producer  acknowledges  and agrees  that the leads,
        presentation  manuals,  training and recruiting videos, member lists and
        other lists which PacifiCare may from time to time provide Producer, are
        confidential and proprietary to PacifiCare. Producer's obligations under
        this paragraph shall survive termination of this Agreement.

1-13    Exercise  of  Authority.  Producer  shall not  possess or  exercise  any
        authority on behalf of PacifiCare other than that expressly conferred by
        this Agreement.

1.14    Non-Discrimination.  Producer agrees to render the services contemplated
        herein without regard to race, sex.  religion,  creed,  color,  national
        origin or ancestry of any  ofPacifiCare's  potential or actual  members.

1.15    Information  Session.  Producer will attend, at Producer's sole expense,
        at least one  PacifiCare  sponsored  producer  information  session each
        calendar year to be held in the county in which Producer resides.

1.16    Product  Sales  Limitation.   Producer  may  seil  only  those  products
        specifically  authorized and designated on Exhibit 2 hereto. Producer is
        not  authorized  to solicit  any other  PacifiCare  products  under this
        Agreement.

1.17    Delegation  Restriction.  Producer  shall  not  delegate  any  agents to
        solicit applications for the PacifiCare PIan(s) or to service PacifiCare
        Plan members without the prior express written consent of PacifiCare.

                     ARTICLE II. OBLIGATIONS OF PACIFICARE

2.1     Commissions.  PacifiCare  will  pay  Producer  first  year  and  renewal
        commissions on a PacifiCare  enrollment  resulting from applications for
        the  PacifiCare  Plants)  that are  obtained by Producer and accepted by
        PacifiCare.   Such   commissions   shall  be  based  on  the  commission
        schedule(s)  attached to this  Agreement  as Exhibit 3 and  incorporated
        herein and shall be paid on  membership  premiums  actually  received by
        PacifiCare for the enrollments produced by Producer. Payment shall be as
        set forth in this paragraph. Notwithstanding any other provision of this
        Agreement,  PacifiCare may modify or replace its commission  scheduie(s)
        on thirty (30) days prior written notice to Producer,  and such modified
        or  replacement  schedule(s)  shall apply to all  enrollments  effective
        following the effective date of such modification or replacement.

2.2     Renewal Commissions. Renewal commissions shall be payable to Producer by
        PacifiCare,  as  provided  under  Section  2.3  hereof  (i) as  long  as
        PacifiCare  retains the enrollment  produced by Producer (such retention
        being at  PacifiCare's  option);  and (ii) as long as  PacifiCare  has a
        valid broker of record letter naming Producer as the  representative  of
        the employer group,  except that renewal  commissions will be paid after
        the fifth year only so long as this Agreement is still in effect. In the
        event  the  employer  group  notifies  PacifiCare  that  it  intends  to
        discontinue  or change its broker of record,  PacifiCare  will cease its
        payment of commission, with or without notice to the Producer, as of the
        last day of the month in which  PacifiCare  is notified by the  employer
        group.

                                                                      /s/ SD
                                                                      ----------

                                                                      ----------
                                                                      (Initials)

                                       4
<PAGE>

2.3     Payment of  Commissions.  PacinCare wiil pay Producer  compensation  due
        within thirty (30) days following the end of each calendar monm based on
        membership   premiums  actually  received,   earned  and  reconciled  by
        PacifiCare auring the calendar month for Producer  generated  business,
        except that  PacifiCare  reserves  the right to  accumulate  commissions
        until  commissions  due  Producer  equal  at least  twenty-five  dollars
        ($25.00).  If there is a  return  of  membershio  premiums  on  Producer
        generated  business,  for any  reason.  PacifiCare  will  charge back to
        Producer  the amount of  commission  previously  paid to Producer on the
        amount or returned membership premiums.

2.4     Loss of Commissions. No further commissions shall be payable to Producer
        should this  Agreement be terminated  for cause pursuant to Section 3.3.
        Additionally, no further commissions shall be payable if:

        a.   Producer fails to immediately remit to PacinCare any funds received
             on behalf of PacinCare; or

        b.   Producer  shall be indebted to  PacinCare  for more than sixry (60)
             days; or

        e.   Producer induces or attempts to induce any PacinCare member to give
             up PacifiCare  coverage or repiace a PacifiCare  benefit  agreement
             wih coverage by any other company  unless such change is cleariy in
             the best interest of the PacifiCare member; or

        d.   producer  commits any act of fraud or  dishonesty  or breaches  any
             contractual duty of this Agreement; or

        e.   Producer  fails to notify  PacifiCare  of any change of  Producer's
             address within one (1) year.

2.5     Offset Against  Commissions.  Producer  agrees that any  indebtedness of
        Producer to PacifiCare shall be a first lien against any commissions due
        Producer  and may be offset and be deducted at  PaciCare's  option from
        commissions due to Producer.

2.6     Survival of Provisions. The provisions of this. Article II shall survive
        the termination of this Agreement.

                       ARTICLE III. TERM AND TERMINATION

3.1     Term. This Agreement shall become  effective on the date first set forth
        above and shall continue in effect until terminated as provided beiow.

3.2     Termination  Without Cause. This Agreement may be terminated at any time
        by either party giving the other thirty (30) days prior written  notice.
        The effective  date of  termination  shall be the first day of the month
        following the thirty (30) day notice.  Such termination shall not impair
        Producer's  right to  receive  commissions  except as  provided  in this
        Agreement.

3.3     Termination  For Cause.  Notwithstanding  the provisions of Section 3.2,
        PacifiCare  may terminate  this  Agreement  immediately  at any time for
        cause,  by giving  written  notice to  Producer.  For  purposes  of this
        Agreement,  such cause shall include, but not be iimited to, tfae events
        described in Section 2.4 hereof.  The right to terminate  this Agreement
        for cause shall not be exclusive, but shall be cumulative with all other
        remedies available at law or in equity. In addition, this Agreement will
        be  terminated   automatically   and  without  any  required  notice  by
        PacifCare, in its sole discretion, if any of me following occurs: (i) if
        Producer is a  corporation,  the  dissolution of the  corporation;  (ii)
        disqualification  of Producer to do business  under  applicable  law; or
        (iii) revocation or termination of Producer's license.
                                                                      /s/ SD
                                                                      ----------

                                                                      ----------
                                                                      (Initials)

                                       5
<PAGE>

                         ARTICLE IV. GENERAL PROVISIONS

4.1     Independent  Contractor  Relationship.   Producer  agrees  that  in  the
        performance  of  the  work,   duties  and  obligations  of  the  parties
        hereunder,  each party shall be deemed to be acting and performing as an
        independent  contractor and nothing in rhis Agreement shall be construed
        or deemea a reiationsnip  of employer and employee,  partnership,  joint
        venture,  or principal and agent,  nor shall this Agreement be construed
        in any proceeding or for any purpose  whatsoever so as to make the other
        party liable to any third person for the debts. faults or actions of the
        other.

4.2     Arbitration.  Should any dispute  arise  between  the  parties  over any
        provision of this Agreement or over any  performance of this  Agreement,
        the dispute shall be submitted to binding arbitration.  This arbitration
        shall be conducted  according  to the rules of the American  Arbitration
        Association, but need not necessarily be conducted by that organization.
        Each  party  shall  initially   equally   contribute  to  the  costs  of
        arbitration.  During  the  arbitration  each  parry  shall  bear its own
        attorneys' fees. Upon award of the arbitrator,  both the decision of the
        arbitrator and the award shall be final and the  prevailing  party snail
        be entitled to recover from the other party its share of the arbitration
        costs expended,  and ail costs,  including attorneys' fees. In the event
        the  arbitrator  fails to render  an award  within  ninety  (90) days of
        submission  of the  matter for  decision,  or such  longer  times as the
        panics may  stipulate,  then either  party may elect to have ail further
        arbitration proceedings terminated and the matter submitted for judicial
        resolution.   All  reasonable   costs  and  fees  incurred   during  the
        arbitration shall then be awarded by the court to the prevailing party.

4.3     Non-Exclusive   Arrangement.   This  is  not  an  exclusive   Agreement.
        PacifiCare  may use other  persons and  entities for the same or similar
        services as are being provided by Producer.

4.4     Assignability.  The rights and  obligations  set forth in this Agreement
        may be  assigned  by  PacifiCare  to an  affiliate  or other  entity  of
        PacifiCare  or   PacifICare's   parent   corporation.   The  rights  and
        obligations  set forth in this Agreement may not be assigned by Producer
        without  the  prior  written   consent  of  PacifiCare.   Any  attempted
        assignment  not in  compliance  with this  Section is void and cause for
        immediate termination by PacifiCare.

  4.5   Severability. If any provision of this Agreement is deemed to be invalid
        or unenforceable by a court of competent jurisdiction or by arbitration,
        it shall be deemed  severable  from the  remainder of the  Agreement and
        shall not cause the invalidity or  unenforceability  of the remainder of
        the Agreement.

  4.6   Enforcement.  If any action at law or in equity is  necessary to enforce
        or interpret the terms of o the Agreement, the prevailing party shall be
        entitled to payment by the other party of  reasonable  attorney's  fees,
        costs and necessary  disbursement  and expenses in addition to any other
        reiiefto which such parry may be entitled.

  4.7   Notice.  Any and all  notices  required  pursuant  to the  terms of this
        Agreement must be given by United States mail, postage pre-paid,  return
        receipt requested at the following addresses:

           If to PacifiCare:
           President
           PacifiCare of Utah, Inc.
           35 West Broadway
           Salt Lake City, UT 84101

           If to Producer:
           At the address set forth on the first page of this Agreement.

                                                                      /s/ SD
                                                                      ----------

                                                                      ----------
                                                                      (Initials)

                                       6
<PAGE>

4.8     Governing  Law.  PacifiCare and Proaucer snail compiy '.vim ail laws and
        regulations applicable to their business,  licenses and the transactions
        into which they have entered.  This  Agreement  shall be governed by and
        construed in accordance with ail applicable state and federal laws.

4.9     Waiver.  The waiver by either  parry of any breach of this  Agreement by
        the other party shall not constitute a continuing  waiver or a waiver or
        any  subsequent  breach  of the  same  or a  different  Section  of this
        Agreement.

4.10    Amendment.  PacifiCare  may amend this  Agreement  upon thirty (30) days
        prior  written  notice,  but any such  amendment  shall not  affect  the
        Producer's  rights in connection with business written with an effective
        daie prior to the effective date of the amendment.

4.11    Use of Names and  Trademarks.  PacifiCare  and Producer each reserve the
        right to control the use of their names, symbols,  trademarks,  or other
        marks currently existing or later established. However, either parry may
        use the other  party's  name,  symbols,  trademarks  or other marks with
        prior written  approval of the other party.  PacifiCare shall be allowed
        to use the name or Producer in its promotional  activities and marketing
        campaign.

4.12    Use of Words. In this Agreement the words "shall" and "will" are used in
        the mandatory sense. Unless the context otherwise clearly requires,  any
        one gender includes all others,  the singular  includes the plural,  and
        the plural includes the singular.

4.13    Entire Agreement.  This Agreement  constitutes the entire  understanding
        between the parties.  This Agreement  shall  supersede all prior written
        agreements,  including  amendments and addenda,  and both PacifiCare and
        Producer  mutually agree that any prior agreements  shall  automatically
        terminate  on  the  first  day  of  the  term  of  this  Agreement.  Any
        commissions  payable  by the  terms of  prior  agreements  shall  not be
        impaired by the terms of this Agreement.
                                                                      /s/ SD
                                                                      ----------

                                                                      ----------
                                                                      (Initials)

                                       7
<PAGE>

<PAGE>

[UTAH STATE SEAL-GRAPHIC OMITTED]

State of Utah
Insurance Department

State Office Building, Room 3110
Salt Lake City, Utah  84114-6901
801-538-3800
FAX 801-538-3829
www.insurance.state.utah.us

Michael 0. Leavitt
          Governor

Merwin U. Stewart
     Commissioner
S
FRINGE BENEFIT ANALYSTS
471 W HERITAGE PARK 3LVD
#1
LAYTON UT 84041
                                Insurance License
                                 Resident Agent

The organization named above, having duly qualified under the laws of this
state, is hereby licensed to act within this state as indicated in the class
description and line(s) of authority to transact the kinds of insurance business
described below.

License number 3778                     Insurance Lines Authorized
License Date: 03-23-1988
Expiration Date: 03-31-2000             11 Life                03-23-1988
Class Code:   A Resident Agent          12 Disability          03-23-1988
                                        13 Variable Contract   03-23-1988

[OFFICE OF THE INSURANCE
COMMISSIONER SEAL-GRAPHIC OMITTED]
                                                     /s/ Merwin U. Stewart
                                                     -------------------------
                                                     Commissioner of Insurance

                                       8
<PAGE>

<TABLE>
<CAPTION>

AGENCY TO AGENT ACTIVE DESIGNATION -- List     10/8/98   15:30:38           Row Count: 23    Page 1 of 1

Agency       Agent
Lic#         Lic #      Agent Last Name       Agent First Name       Middle Cert. Date     Cert. ID      Date Stamp    User Stamp

<C>          <C>        <C>                   <C>                    <C>        <C>        <C>           <C>           <C>
3778         64274      ANDERSON              JEFFREY                CARVIN     08-05-1998  54415        08/19/1998    Iherrera

3778         68661      ANDERSON              PAUL                   H          08-05-1998  54416        08/19/1998    Ilieirera

3778         28854      BROWN                 JERRY                  KENDAL    08-05-1998   54417        08/19/1998    Iherrera

3778         89288      BURKE                 RONALD                 WILLIA    08-05-1998   54418        08/19/1998    Iherrera

3778         58107      CHATWIN               TRACY                  BLAKE     08-05-1998   54419        08/19/1998    Ilierrera

3778         40821      CORDON                KEITH                  REED      08-05-1998   54420        08/19/1998    Iherrera

3778         73626      COTTLE                ROD                    E         08-05-1998   54421        08/19/1998    Iherrera

3778         17749      DERU                  DONALD                 J         03-23-19U8    9583        03/02/1997    WANG2LAN

3778         39879      DERU                  TERRY                  M         03-23-1988    9588        03/02/1997    WANG2LAN

3778         46043      DERU                  SCOTT                  E         03-23-1988    9584        03/02/1997    WANG2LAN

3778         106571     DRAKE                 MAURINE                          08-05-1998   54422        08/19/1998    Iherrera

3778         16529      EVANS                 J                      GARY      08-05-1998   54423        08/19/1998    Iherrera

3778         38442      HAMILTON              NEIL                   M         08-05-1998   54424        08/19/1998    Iherrera

3778         44287      JONES                 JIMMIE                 R         08-24-1998   55191        10/07/1998    Illowe

3778         100225     KITCHEN               BRUCE                  E         08-05-1998   54425        08/19/1998    Iherrera

3778         59726      LARSEN                ROBERT                 RAY       08-05-1998   54426        08/19/1998    Iherrera

3778         85096      MEATOGA               JONATHAN               Ql        08-05-1998   54427        08/19/1998    Iherrera

3778         52529      MUCEUS                JON                    CHARLE    08-05 1998   54428        08/19/1998    Iherrera

3778         60783      MUSIL                 DENNIS                 L         08 05 1998   54429        08/19/1998    Iherrera

3778         5689       PRICE                 CLYDE                  L         08-05-1998   54430        Oa/19/1998    Iherrera

3778         16344      ROBBINS               KENNETH                L         08-05-1998   54431        08/19/1998    Iherrera

3778         85319      SWEAT                 ERNEST                 C         08-05-1998   54432        08/19/1998    Iherrera

3778         15399      WALBECK               DARYL                  G         08-05-1998   54433        08/19/1998    Iherrera

</TABLE>

                                       9Regence
Life and Health
Insurance Company

                                    Regence
                       Life and Health Insurance Company
                             Broker/Agent Agreement

THIS AGREEMENT is entered into by and between Regence Life and health  Insurance
Company (the "Company" an Oregon corporation and affiliate of The Regence Group,
and FRINGE  BENEFIT  ANALYSTS,  LLC (the  "Broker/Agent"),  an  insurance  agent
licensed in the State(s) of UTAH.

                                   (page 1 of 4)
<PAGE>

1.  BROKER/AGENT  APPOINTMENT.  The Company hereby grants to the  Broker/Agent a
non-exclusive,  revocable  appointment  to solicit and secure  applications  and
renewals of the Company's  group health,  life and  disability  contracts.  This
appointment  shall not limit or  prohibit  the  Company  from  granting  similar
appointments  to other agents,  nor shall it limit or prohibit the  Broker/Agent
from accepting appointments from other companies.

Broker/Agent  agrees to comply with all  federal,  state and  municipal  laws or
regulations  and to pay all  taxes,  contributions  or other  sums  which may be
levied  or  assessed  upon or in  connection  with the  commissions  paid to the
Broker/Agent by the Company.

The  Broker/Agent  will  diligently  solicit  and  secure  applications  for the
Company's  group  health,  life and  disability  plans and collect and  promptly
transmit to the Company all initial premiums on those applications.

2.  LICENSURE.  The  Broker/Agent  warrants  that he/she is duly licensed by the
State (s) of UTAH as an  independent  insurance  Broker/Agent,  that no  license
issued to the  Broker/Agent  for the sale of insurance,  prepaid health care. or
hospital or professional  benefits has ever been revoked or suspended,  and that
the Broker/Agent has never been convicted of any crime involving moral turpitude
or dishonesty.  The Broker/Agent  agrees to pay all applicable  license fees and
taxes.

3.  RELATIONSHIP OF PARTIES.  The Broker/Agent is not an employee of the Company
and  nothing  contained  in this  Agreement  shall be  construed  to create  the
relation of employer and employee between the Company and the Broker/Agent.

4.  INDEMNITY/ERRORS  AND  OMISSIONS  INSURANCE.   The  Broker/Agent  agrees  to
indemnify and hold the Company harmless from any and all liability,  loss, cost,
damage or expense including attorney fees and costs arising out of or attributed
to the Broker/Agent's  violation of this Agreement or the Broker/Agent's failure
to conform to the provisions of this Agreement.  The  Broker/Agent  shall obtain
and maintain for the duration of this Agreement  errors and omissions  liability
insurance with minimum policy limits of one million dollars.  Broker/Agent  will
notify the Company  immediately in the event of  cancellation  of such insurance
and will request Broker/Agent's errors and omissions liability insurer to notify
the Company of any cancellation of Broker/Agent's errors and omissions policy to
the Company  upon  request.  Broker/Agent  will provide a copy of the face sheet
from the errors and omissions policy to the Company upon request.

5. COMMISSIONS.  While this Agreement  remains in effect,  the Company shall pay
the  Broker/Agent  commissions  for all new and renewed  contracts in accordance
with the rates and terms set forth in the attached  Commission  Schedule(s).  No
commissions  shall be paid to the  Broker/Agent  on any premiums  received for a
contract after the  contractholder  has notified the Company in writing that the
Broker/Agent is no longer servicing that contract. If the Broker/Agent dies, the
Company will pay his/her estate any  accumulated  commissions  which were due at
the  time of  death,  less any debt the  Broker/Agent  owed to the  Company.  No
commission  will  be  paid  on  premium   received  by  the  Company  after  the
Broker/Agent's death. Commission payments to the Broker/Agent shall terminate as
of the effective date of termination of this Agreement.

6. COMMISSION ACCOUNTING.  The Company agrees to make periodic accounting to the
Broker/Agent of all commissions paid or payable to him/her since the most recent
previous  accounting.  The  Broker/Agent  agrees that such  accounting  shall be
conclusively deemed correct unless written objection thereto is delivered to the
Company  within  ninety  (90)  days  after  such  accounting  is  mailed  to the
Broker/Agent  at the most recent address shown for him/her in the records of the
Company,  or delivered to him/her in person.  The Broker/Agent shall immediately
notify the Company of overpayments  and of payments to which the Broker/Agent is
not  entitled  and shall  refund the  erroneous  payment to the  Company or make
arrangements for the erroneous payment to be charged against future  commissions
which might  become due to the  Broker/Agent.  Nothing in this  paragraph  shail
diminish or restrict the Company's right to recover  overpayments or commissions
paid in error.

7.  ADVERTISING.  The  Broker/Agent  is not  permitted  under this  contract  to
advertise the Company in any form. No use of the name,  logo,  etc. is permitted
by the Broker/Agent for the purpose of advertising the Company or its products.

8. RECORDS. The Broker/Agent shall maintain complete records of all transactions
related to  applications  which the  Broker/Agent  receives or transmits and any
other records required by law or regulation. Such records shall be accessible to
the Company upon reasonable  requests for the duration of this Agreement and for
one year following termination of this Agreement. (page 2 of 4)

                                  (page 2 of 4)
<PAGE>

9. RULES AND PROCEDURES.  The  Broker/Agent  agrees to comply with all rules and
regulations  of the Company  presently in effect and any additions or amendments
made thereto from time to time. The Broker/Agent further agrees that he/she will
make no representation  regarding  benefits to be provided by the Company except
through  written  material  furnished  for  that  purpose  by the  Company.  The
Broker/Agent  understands  and agrees that he/she is not  authorized to make any
oral or written  change in any form.  application  or contract  furnished by the
Company,  or in premium  rates quoted by the Company:  to require the Company to
quote rates on prospective  policies;  or to bind the Company in any way. Broker
Agent shall comply with the Company's Code of Business Conduct,  a copy of which
is available upon request.

10.  LIMITATIONS.  The  Company  reserves  the right to reject or  conditionally
accept  applications  submitted  by the  Broker/Agent,  to  refuse  to  quote on
prospective  group contracts  solicited by the  Broker/Agent,  and to refuse any
group  contract  in force with the  Company.  The  Broker/Agent's  authority  to
collect  premium is limited to the  initial  premium  from each  applicant.  The
Broker/Agent is not authorized to accept on behalf of the Company any subsequent
premium or other payment.

11. RIGHT TO DISCONTINUE OR CHANGE. The Broker/Agent understands and agrees that
at all times the Company has the right to discontinue issuing any contract form,
to  change  the  rate  or  payment  basis  of  the  commission  payable  to  the
Broker/Agent on one or more contract  forms,  except that a change of commission
rates will not take effect until notice of the change has been  delivered to the
Broker/Agent,  and to  discontinue  offering any  contract  form for sale by the
Broker/Agent upon immediate notice.

12. TERM AND TERMINATION.  This Agreement shall become effective on the first of
the month following that in which it has been signed by the  Broker/Agent and by
an  authorized  representative  of the Company.  It shall remain in effect until
terminated by either party.

Either party may terminate  this  Agreement  without cause upon ninety (90) days
written  notice to the other  party of intent  to  terminate.  Either  party may
terminate  this  Agreement for cause upon thirty (30) days written notice unless
such cause for  termination  is remedied  within fifteen (15) days of receipt of
such notice.  This Agreement  shall terminate  automatically  and without notice
upon restriction,  suspension, revocation or nullification of the Broker/Agent's
license.

Termination  shall  not  relieve  either  party  of any  obligation  under  this
Agreement which arose prior to termination.  Upon  termination  each party shall
promptly pay any money owed to the other,  and the  Broker/Agent  will  promptly
return to the Company all contract forms,  property,  records or other materials
furnished by the Company.

13.  MODIFICATION.  The Company may amend or modify this Agreement and schedules
or attachments hereto at anytime effective upon thirty (30) days advance written
notice  to the  Broker/Agent.  No  amendments,  modifications,  or waiver of any
provision  shall be valid  unless it is in writing  and signed by an  authorized
representative  of the Company.

14.  ASSIGNMENT.  Any voluntary or involuntary  assignment of the Broker/Agent's
interest under this Agreement,  including the right to commissions, shall not be
valid unless the Company has given prior, written consent to the assignment.

15.  NOTICE.  Any notice  required  to be given  under this  Agreement  shall be
satisfied if  delivered in person or mailed,  by first class mail to the Company
at 100 S.W.  Market  Street,  Portland,  Oregon 97201,  Attention:  Broker/Agent
Coordinator,  Mail Station C-2-A. Notice shall be deemed communicated as of five
(5) days after mailing.

16. GOVERNING LAW/SEVERABILITY.  This Agreement shall be governed by the laws of
the State of Oregon. The invalidity or unenforceability of any term or provision
of this Agreement shall not affect the validity or  enforceability  of any other
term or provision.

17. WAIVER. The failure of the Company to take advantage of any of its rights or
privileges  under this  Agreement  or its  forebearance  or neglect to cancel or
terminate  this Agreement in the event of the  Broker/Agent's  failure to comply
with their provision  hereof shall not constitute a waiver by the Company of any
of its rights or privileges hereunder.

18.  MERGER.  This  Agreement,  including any valid  attachments,  schedules and
amendments,  constitutes  the  entire  agreement  between  the  Company  and the
Broker/Agent.   Any  prior  agreement   between  Company  and  the  Broker/Agent
pertaining  to the Plan shall have no further  force or effect  except  that any
obligation  of either  party to the other which  arose under the prior  contract
shall continue to exist.

                                 (page 3 of 4)

<PAGE>

IN WITNESS WHEREOF, the parties.have caused this Agreement to be executed by the
Broker/Agent and accepted by the Company as of the 2nd day of November 1998.

        BROKER/AGENT                   REGENCE LIFE AND HEALTH INSURANCE COMPANY

/s/ Scott E. Deru
    -----------------------------      -----------------------------------------
    Scott E. Deru                              (Authorized Representative)

    Manager
    -----------------------------      -----------------------------------------

FORM BG 7073 (4/96)
                                 (page 4 of 4)

<PAGE>

AGENCY APPLICATION/COMMISSION AGREEMENT
MEDICAL LIFE INSURANCE COMPANY
          CLEVELAND, OH

                                  INSTRUCTIONS

1) Complete and Sign Part I, Application.
2) Carefully read and sign Part II, Agency/Commission Agreement.
3) Forward this entire form to Medical Life.
4) Upon  approval.  Medical  Life will  provide  the  Agent  with a copy of this
   Agreement.

             PLEASE BE SURE ALL INFORMATION IS COMPLETE AND ACCURATE

PART I. AGENT/AGENCY APPLICATION

1. Name
   FRINGE BENEFIT ANALYSTS, ILC

2. Mailing Address
   471 W Heritage Park Blvd. Suite #1
   City   Layton
   State  UT       ZIP  84041
   Business Telephone: ( 801 ) 773-8998

If individual, answer question 3.

3. Date of Birth      SS#

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

If corporation, answer question 4.

4. Name of Corporation  Fringe Benefit Analysts, LLC
                        471 W Heritage Park Blvd., Ste #1
                        Layton, UT 84041
   Tax I.D. Number 87-

5. Previous addresses, past 5 years:
                        649  N.  Main
                        P.O. Box 336
                        Layton, UT 84041

Use separate page if necessary

6. Are you now licensed for
   Life?   Yes       A&H?  Yes

   States: Utah, California, Arizona, Idaho & Wyoming
   License No. Utah 3778

7. Give the following information regarding all current and past appointments
   with life and/or health insurance companies:
-------------------------------------------------------------
FROM TO           NAME OF COMPANY             OK TO CONTACT?
MO/YR MO/YR       ADDRESS OF HOME OFFICE      [ ] YES

                                              [ ] NO

-------------------------------------------------------------
FROM TO           NAME OF COMPANY             OK TO CONTACT?
MO/YR MO/YR       ADDRESS OF HOME OFFICE      [ ] YES

                                              [ ] NO

-------------------------------------------------------------
FROM TO           NAME OF COMPANY             OK TO CONTACT?
MO/YR MO/YR       ADDRESS OF HOME OFFICE      [ ] YES

                                              [ ] NO

-------------------------------------------------------------
FROM TO           NAME OF COMPANY             OK TO CONTACT?
MO/YR MO/YR       ADDRESS OF HOME OFFICE      [ ] YES

                                              [ ] NO

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

8. Have you ever been convicted of a felony?.    NO
   (If 'yes' enclose details)                 --------

9. Do you owe an unpaid balance to any insurance company?
         NO       (If 'yes' enclose details)
      -------

I certify  that the answers to the above  questions  are true. I agree to comply
with all  regulations  imposed  by Medical  Life  Insurance  Company  and/or the
Insurance  Department.  I understand and agree that I will not solicit  business
until  MLI has  notified  me that I have  been  authorized  to do so. I  further
certify that I am free to  contract with Medical Ufe Insurance  Company.

/s/ Scott E. Deru                       Manager
----------------------------------    ----------------
Signature of applicant

      11/2/98
----------------------------------
Date

<PAGE>

     E. If any coverage  described is  terminated by ML! or the group or by both
        for any reason or cause,  all right to commissions  that might otherwise
        have occurred hereunder on such policy shall cease. No commissions shall
        accrue on any  coverage  issued  to any  employee  under the  conversion
        privilege in the policy.

     F. In the case of termination of this Agreement, commissions shall continue
        to be paid as set forth in Section V of this Agreement.

IV.  TERM/TERMINATION.  This Agreement is for an inaefinite  term.  Either party
     may terminate  this  Agreement  upon thirty (30) days written notice to the
     other party;  however,  breach of the  conditions or  provisions  hereof or
     fraud will cause this Agreement to terminate immediately upon MLI's written
     notice to Agent.  This Agreement shall termi- nate  automatically  upon the
     termination, suspension or expiration of the Agent's license.

V.   CONTINUATION  OF PAYMENT AFTER  TERMINATION.  Upon the  termination of this
     Agreement for reasons other than Agent's breach, fraud, or the termination,
     suspension  or  expiration  of  Agent's  license;   and  subject  to  MLI's
     reservation of rights under Section I above; and subject to Agent remaining
     the agent of record for the applicable account(s), MLI will continue to pay
     Agent the regular renewal  commissions  for all premiums  collected for the
     time period set forth in the Commission  Schedule.  If such  terminaiton is
     the resut or Agent's  death,  MLI will pay said  commissions  for said time
     period to Agent's estate,  unless applicable state law provides  otherwise.
     Notwithstanding  any provisions to the contrary,  MLI shall continue to own
     the underlying  business  regardless of the reason for  termination of this
     Agreement.

VI.  RECORDS.  The Agent shall maintain  proper  records of business  transacted
     under this  Agreement  and  shall make such  records  available to MLI upon
     request.

VII. PRINTED  MATERIAL.  MLI will furnish the Agent all supplies,  applications,
     circulars and other printed matter  necessary for doing business under this
     Agreement.  The Agent agrees not to publish or  distribute  any  circulars,
     advertisements  or other matter referring to MLI without first securing the
     written  approval of MLI. All printed  matter and supplies so furnished are
     the property of MLI and must be promptly returned to MLI upon request.

VIII.LIMIT OF AUTHORITY.  The Agent is not  authorized to: (a) extend credit for
     MLI; (b) alter, waive or modify any of the terms, conditions or limitations
     of any  policy  issued;  (c) effect any verbal  agreement  or  contract  of
     insurance;  nor (d) effect any  contract  of  insurance  except by means of
     authorized   policy  forms   according  to  our   underwriting   rules  and
     regulations. The Agent shall have no authority other than expressly granted
     in this  Agreement.  No forbearance or neglect on the part of MLI to insist
     upon  compliance  by the Agent  with the terms of this  Agreement  shall be
     construed as or constitute a waiver of any of the terms of this  Agreement.
     The Agent has no  authority  to collect or issue a receipt for any premiums
     other than the  initial  premiums  collected  with  applications  for group
     insurance.  Any authority  otherwise granted under this Agreement shall end
     upon termination of this Agreement.

IX.  DISCONTINUANCE  OF POLICY FORMS.  We may  discontinue  or withdraw from the
     Agent any policy plan scheduled herein or hereafter and may fix commissions
     and renewal commissions on any policy not scheduled herein.

X.   GOVERNING LAW. This Agreement is governed and construed in accordance  with
     the laws of the State of utah.  All disputes with regard to this  Agreement
     or any  part  thereof,  unless  settled  amicably,  must  be  submitted  to
     arbitration at the domicile of Medical Life Insurance  Company,  Cleveland,
     Ohio. Arbitration shall be conducted by three arbitrators, one appointed by
     the  Agent,   one  appointed  by  MLI,  and  one  appointed  by  the  named
     arbitrators.

XI.  ASSIGNMENT.  Neither  this  Agreement  nor any of the  benefits  the  Agent
     accrues  hereunder  shall be assigned or transferred  either in whole or in
     part without the written consent of ML).

XII. INDEMNIFICATION,  HOLD HARMLESS. The Agent agrees to indemnify and hold MLI
     harmless  from  all  loss,  expense,  cost  and  liability  resulting  from
     unauthorized  acts or  transactions  by said  Agent  or any  other  persons
     engaged or acting on the Agent's behalf.

XIII.NOTICE.  All  notices  required by this  Agreement  shall be in writing and
     shall be deemed  sufficiently  given and  delivered  at the time of mailing
     thereof it sent by  regular  mail to the  principal  place of  business  of
     either party.

XIV. ENTIRE  AGREEMENT.  This  Agreement  contains  the entire  agreement of the
     parties hereto and no modification.  amendment,  change or discharge of any
     provision of this Agreement shall be valid or binding unless the same is in
     writing and signed by all parties hereto.

<PAGE>

             AGENT CONTRACT
                 GROUP

HealthWise,   an  Independent  Licensee  of  the  Blue  Cross  and  Blue  Shield
Association  (hereinafter  referred to as "the  Plan")  hereby  contracts  with:
Agency Fringe Benefit Analysts,  LLC (hereinafter referred to as "Agent") To act
as the Plan's Agent,  having been duly licensed as an insurance  agent/broker by
the State of Utah for solicitation of applications for insurance  offered by the
Plan. The parties hereby agree:

 Appointment  &  Relationship

The Agent is an independent  contractor  authorized to solicit  applications for
group  insurance on behalf of the Plan. The execution of this contract shall not
be deemed to create an  employer-employee  relationship between the Plan and the
Agent.

The Agent is authorized  to submit  applications  to the Plan for  acceptance or
rejection and to collect the appropriate  premium due for subject  applications.
The Agent shall be free to exercise  his/her/its  own  judgment  concerning  who
he/she/it solicits on behalf of the Plan and the rime and place of solicitation,
subject to  provisions  of this  Agreement,  applicable  statutes,  governmental
regulations,  and production requirements implemented by the Plan and subject to
application eligibility requirements.  The Agent agrees to follow the guidelines
set out in the Plan's Agent/Broker Manual, which are subject to change from time
to time.

The Agent assumes  responsibility  for all expenses incurred pursuant to conduct
of business under this Agreement.

Authority

The Agent shall obtain any and all licenses required by the State of Utah, local
laws or regulations. The Agent shall make no representations with respect to the
Plan's health care coverage  except as may be contained in the written  material
prepared and furnished to the Agent by the Plan,  and shall not make any oral or
written alteration,  modification, or waiver of any term or condition applicable
to that coverage without the express written consent of the Plan.

The Agent is not  authorized  to extend  credit  for or make any  commitment  on
behalf of the Plan.  The Agent  shall have no  authority  other  than  expressly
specified in this  Agreement.  No Agent is authorized to collect  premium beyond
the initial  application  premium for insurance which will be directly billed by
the Plan.  The Agent  agrees not to  illegally  withhold  any funds,  rebate any
premiums,  or otherwise violate any applicable statute or regulation  pertaining
to the  solicitation  of insurance or the  licensing or  activities of insurance
agents.

                                       1
<PAGE>

Compensation

Agent shall  receive a monthly  commission  on all  business  (as defined in the
Agent/Broker  Commission  Schedule  which  is  contained  in  the  then  current
Agent/Broker Manual unless otherwise negotiated).

Commissions payable under this Agreement shall be paid so long as this Agreement
is in effect, the business has health coverage with the Plan written through the
Agent (as evidenced by a current letter of record),  and the Agent  continues to
service the business.

Commissions  shall not be payable  unless and until the  premiums  to which they
apply are received by the Plan,  and Agent has  complied  with the terms of this
Agreement.

The Plan shall have the right to discontinue writing or to alter the health care
coverage under any contract executed between any business and the Plan according
to the  terms  of the  contract.  If the Plan  rescinds  the  contract  with the
business and returns  premiums,  the Agent shall repay to the Plan, upon demand,
the amount of commissions Agent has received on the returned premiums.

Litigation/Venue

The Agent shall  indemnify  and save  harmless the Plan from any and all claims,
liability,  attorney fees,  costs, and damage or loss occurring by reason of any
failure by Agent or  Agent's  employees  to comply  with this  Agreement  or any
applicable  law or  regulation.  The Agent  further  agrees to be covered and to
cover  his/her/its  employees by an errors and omissions  policy of insurance to
such an extent as is consistent  with  currently  accepted  practice  within the
insurance  business,  and will  provide to the Plan a  Certificate  of Insurance
evidencing  such insurance.  Agent agrees to notify Plan  immediately if Agent's
errors and omissions policy is cancelled or amended to limit its coverage in any
material respect.

In  the  event  of any  dispute  or  controversy  concerning  the  construction,
interpretation,  performance,  or breach of this Agreement,  arising between the
Plan and Agent,  the same shall be  submitted to binding  arbitration  under the
appropriate rules of the American Arbitration Association. Any arbitration shall
be conducted in Salt Lake City,  Utah,  unless mutually agreed  otherwise by the
parties.  Fees associated with initiating an arbitration  proceeding  under this
paragraph shall be split equally  between and advanced by the parties;  subject,
however,  to final  apportionment  by the  arbitrator  in his or her award.  The
parties agree that the  arbitrator's  award shall be binding and may be enforced
in any court having jurisdiction thereof by filing a petition for enforcement of
said award.

Advertising

The Agent agrees that all printed  matter,  applications,  sales  literature and
other written  material  furnished by the Plan remains the property of the Plan,
subject  to its  control  at all  times  and will be  returned  to the Plan upon

                                       2
<PAGE>

request. The Agent shall not employ or make use of any advertisement or material
in which the Plan's name, licensed service mark(s), and/or corporate symbols are
contained,  without the express prior written consent of the Plan (and owner, if
other than the Plan).

Agent Sub-appointments

The Agent may not appoint  Subagents  under this Agreement and will exercise all
authority  conferred herein personally or through  his/her/its  employees and no
others.

Appointment Fees

Agent  shall  reimburse  Plan for the amount of the Plan's  expense to  appoint,
re-appoint,  maintain  appointment,  or  cancel  appointment  of Agent  with the
appropriate governmental agency(s). At Plan's discretion, such reimbursement may
be withheld from commissions due to Agent.

Reports & Records

The Plan  agrees to remit to Agent a  Commission  Schedule  on a  monthly  basis
depicting  the products  sold,  the  premiums  produced,  and a commission  paid
thereon.

A report as referred to above shall be deemed to be accurate unless either party
makes an objection  thereto within thirty (30) days of the date of the provision
of such report to Agent.

The Plan  shall  have  the  right to audit  Agent at  Agent's  regular  place of
business during normal business hours.

Agent agrees to reimburse  Plan for the expenses of any audit arising out of the
fraud or intentional misrepresentation of the Agent.

Refunds

The Plan may reject any application for insurance solicited by the Agent without
specifying reason and return any premium.  In the event premium is refunded on a
policy, no compensation will be remitted to an Agent and/or commission  remitted
must be returned to the Plan.

Indebtedness

Any  indebtedness  of an Agent to the Plan is deemed  to be a first  lien on any
compensation  commission  due or payable.  The Agent is responsible to repay any
commission payment made in error by the Plan.

Assignment

No  assignment  of  compensations  or benefits may be  transferred  by the Agent
without prior written acceptance by the Plan.

                                       3
<PAGE>

Termination

This  Agreement may be cancelled at any time, by either party,  by the giving of
ninety days prior  written  notice to the other  party.  Termination  shall take
effect on the  ninetieth day after such notice is given or such later date as is
specified in the notice.  In the event of termination,  the commissions  payable
hereunder shall be paid only up to the effective date of termination.

This Agreement will automatically terminate if, at any time, the license granted
to the Agent from the State of Utah is  suspended,  cancelled,  surrendered,  or
otherwise  terminated  and/or  if  the  Agent  breaches  any  provision  of  the
Agreement,  commits any fraudulent act or fails to follow the guidelines set out
in the Plan's Agent/Broker Manual, as amended.

If the  Agent  should  change  his/her/its  residence  from  the  State of Utah,
evidence of effective  non-resident Utah State licensure and re-appointment with
HealthWise  shall be  required  within  sixty  (60) days to  receive  continuous
payment  of  commissions.  If  evidence  of  effective  non-resident  Utah State
lieensure and  re-appointment  with  HealthWise is received after the sixty (60)
day grace period,  commissions will be payable only from the re-appointment date
forward.

Upon termination of this Agreement,  all material furnished to Agent by the Plan
shall be promptly returned to the Plan.

Vesting

In the event of Agent's  death or  permanent  disability,  renewal  compensation
shall be paid to the Agent's personal representative duly licensed in disability
and  health  by the  State  of Utah  Insurance  Department,  so long as the Plan
continues  to utilize the  services of agents in the sales and  servicing of its
products.

Waiver

Failure of the Plan to enforce any  provision or  regulation  of this  Agreement
shall not constitute a waiver.  Sole  Agreement  This  Agreement  terminates and
supersedes  all prior  agreements  between  Agent and Plan  relative to policies
issued through Agent after the effective date.

Sole Agreement

This Agreement  terminates and supersedes all prior agreements between Agent and
Plan relative to policies issued through Agent after the effective date.

                                       4
<PAGE>

Effective Date

This  contract  shall be  effective as of the date of the Plan's  signature  and
execution,  below,  provided  Agent  has  paid the fee  charged  by the Plan for
appointment.

I accept this Contract subject to the terms and conditions contained herein.

                                            Fringe Benefit Analysts, LLC
                                            ------------------------------------
                                            Agency Name (please print)

                                            /s/ Scott E. Deru
                                            ------------------------------------
                                            Authorized Signature

                                                Manager
                                            ------------------------------------
                                            Title (if applicable)

                                                11/2/98
                                            ------------------------------------
                                            Date

                              - FOR PLAN USE ONLY-

In witness whereof, this Contract has been signed and executed on this______ day
of _________________.

                                            ------------------------------------
                                            Plan

                                            ------------------------------------
                                            Title

Rev. 8/93                                                           hartallh.pm6
--------------------------------------------------------------------------------

                                       5
<PAGE>

                                 AGENT CONTRACT
                              GROUP AND INDIVIDUAL

Blue  Cross and Blue  Shield of Utah  (hereinafter  referred  to as "the  Plan")
hereby contracts with Agency Fringe Benefit Analysts,  LLC hereinafter  referred
to as "Agent")

To  act  as  the  Plan's  Agent,  having  been  duly  licensed  as an  insurance
agent/broker by the State of Utah for solicitation of applications for insurance
offered by the Plan.

The parties hereby agree:

Appointment  &  Relationship

The Agent is an independent  contractor  authorized to solicit  applications for
group and  individual  insurance  on behalf of the Plan.  The  execution of this
contract shall not be deemed to create an employer-employee relationship between
the Plan and the Agent.

The Agent is authorized  to submit  applications  to the Plan for  acceptance or
rejection and to collect the appropriate  premium due for subject  applications.
The Agent shall be free to exercise  his/her/its  own  judgment  concerning  who
he/she/it solicits on behalf of the Plan and the time and place of solicitation,
subject to  provisions  of this  Agreement,  applicable  statutes,  governmental
regulations,  and production requirements implemented by the Plan and subject to
application eligibility requirements.  The Agent agrees to follow the guidelines
set out in the Plan's Agent/Broker Manual, which are subject to change from time
to time.

The Agent assumes  responsibility  for all expenses incurred pursuant to conduct
of business under this Agreement.

Authority

The Agent shall obtain any and all licenses required by the State of Utah. local
laws or regulations. The Agent shall make no representations with respect to the
Plan's health care coverage  except as may be contained in the written  material
prepared and furnished to the Agent by the Plan,  and shall not make any oral or
written alteration,  modification, or waiver of any term or condition applicable
to that coverage without the express written consent of the Plan.

The Agent is not  authorized  to extend  credit  for or make any  commitment  on
behalf of the Plan.  The Agent  shall have no  authority  other  than  expressly
specified in this  Agreement.  No Agent is authorized to collect  premium beyond
the initial  application  premium for insurance which will be directly billed by
the Plan.  The Agent  agrees not to  illegally  withhold  any funds,  rebate any
premiums,  or otherwise violate any applicable statute or regulation  pertaining
to the  solicitation  of insurance or the  licensing or  activities of insurance
agents.

                                       1
<PAGE>

Compensation

Agent shall  receive a monthly  commission  on all  business  (as defined in the
Agent/Broker  Commission  Schedule  which  is  contained  in  the  then  current
Agent/Broker Manual unless otherwise negotiated).

Commissions payable under this Agreement shall be paid so long as this Agreement
is in effect, the business has health coverage with the Plan written through the
Agent (as evidenced by a current letter of record),  and the Agent  continues to
service the business.

Commissions  shall not be payable  unless and until the  premiums  to which they
apply are received by the Plan.  and Agent has  complied  with the terms of this
Agreement.

The Plan shall have the right to discontinue writing or to alter the health care
coverage under anv contract executed between any business and the Plan according
to the  terms  of the  contract.  If the Plan  rescinds  the  contract  with the
business and returns  premiums,  the Agent shall repay to the Plan. upon demand,
the amount of commissions Agent has received on the returned premiums.

Litigation/Venue

The Agent shall  indemnify  and save  harmless the Plan from any and all claims,
liability,  attorney fees.  costs, and damage or loss occurring by reason of any
failure by Agent or  Agent's  employees  to comply  with this  Agreement  or any
applicable  law or  regulation.  The Agent  further  agrees to be covered and to
cover  his/her/its  employees by an errors and omissions  policy of insurance to
such an extent as is consistent  with  currently  accepted  practice  within the
insurance  business,  and will  provide to the Plan a  Certificate  of Insurance
evidencing  such insurance.  Agent agrees to notify Plan  immediately if Agent's
errors and omissions policy is cancelled or amended to limit its coverage in any
material respect.

In  the  event  of any  dispute  or  controversy  concerning  the  construction,
interpretation,  performance,  or breach of this Agreement,  arising between the
Plan and Agent,  the same shall be  submitted to binding  arbitration  under the
appropriate rules of the American Arbitration Association. Any arbitration shall
be conducted in Salt Lake City,  Utah,  unless mutually  agreed  otherwiseby the
parties.  Fees associated with initiating an arbitration  proceeding  under this
paragraph shall be split equally  between and advanced by the parties;  subject,
however,  to final  apportionment  by the  arbitrator  in his or her award.  The
panics agree that the arbitrator's award shall be binding and may be enforced in
any court having  jurisdiction  thereof by filing a petition for  enforcement of
said award.

Advertising

The Agent agrees that all printed  matter,  applications,  sales  literature and
other written  material  furnished by the Plan remains the property of the Plan,
subject  to its  control  at all  times  and will be  returned  to the Plan upon

                                       2
<PAGE>

request. The Agent shall not employ or make use of any advertisement or material
in which the Plan's name, licensed service mark(s), and/or corporate symbols are
contained,  without the express prior written consent of the Plan (and owner, if
other than the Plan).

Agent Sub-appointments

The Agent may not appoint  Subagents  under this Agreement and will exercise all
authority  conferred herein personally or through  his/her/its  employees and no
others. Appointment Fees Agent shall reimburse Plan for the amount of the Plan's
expense to appoint,  re-appoint,  maintain appointment, or cancel appointment of
Agent with the appropriate  governmental agency(s).  At Plan's discretion,  such
reimbursement may be withheld from commissions due to Agent.

Reports & Records

The Plan  agrees to remit to Agent a  Commission  Schedule  on a  monthly  basis
depicting  the products  sold,  the  premiums  produced,  and a commission  paid
thereon.

A report as referred to above shall be deemed to be accurate unless either party
makes an objection  thereto within thirty (30) days of the date of the provision
of such report to Agent.

The Plan  shall  have  the  right to audit  Agent at  Agent's  regular  place of
business during normal business hours.

Agent agrees to reimburse  Plan for the expenses of any audit arising out of the
fraud or intentional misrepresentation of the Agent.

Refunds

The Plan may reject any application for insurance solicited by the Agent without
specifying reason and return any premium.  In the event premium is refunded on a
policy, no compensation will be remitted to an Agent and/or commission  remitted
must be returned to the Plan.

Indebtedness

Any  indebtedness  of an Agent to the Plan is deemed  to be a first  lien on any
compensation  commission  due or payable.  The Agent is responsible to repay any
commission payment made in error by the Plan.

i;
Assignment

No  assignment  of  compensation  or benefits  may be  transferred  by the Agent
without prior written acceptance by the Plan.

                                       3
<PAGE>

Termination

This  Agreement may be cancelled at any time. by either party,  by the giving of
ninety days prior  written  notice to the other  party.  Termination  shail take
effect on the  ninetieth day after such notice is given or such later date as is
specified in the notice.  In the event of termination,  the commissions  payable
hereunder shall be paid only up to the effective date of termination.

This Agreement will automatically terminate if. at any time, the license granted
to the Agent from the State of Utah is  suspended,  cancelled,  surrendered,  or
otherwise  terminated  and/or  if  the  Agent  breaches  any  provision  of  the
Agreement,  commits any fraudulent act or fails to follow the guidelines set out
in the Plan's Agent/Broker Manual, as amended.

If the  Agent  should  change  his/her/its  residence  from  the  State of Utah,
evidence of effective  non-resident Utah State licensure and re-appointment with
Blue Cross and Blue Shield of Utah shall be required  within sixty ('60) days to
receive continuous payment of commissions. If evidence of effective non-resident
Utah State  licensure  and  re-appoint-  ment with Blue Cross and Blue Shield of
Utah is  received  after the sixty (60) day grace  period,  commissions  will be
payable only from the  re-appointment  date forward.  Upon  termination  of this
Agreement,  all  material  furnished  to  Agent by the  Plan  shall be  promptly
returned to the Plan.

Vesting

In the event of Agent's  death or  permanent  disability,  renewal  compensation
shall be paid to the Agent's personal representative duly licensed in disability
and  health  by the  State  of Utah  Insurance  Department,  so long as the Plan
continues  to utilize the  services of agents in the sales and  servicing of its
products.

Waiver

Failure of the Plan to enforce any  provision or  regulation  of this  Agreement
shall not constitute a waiver.

Sole Agreement

This Agreement  terminates and supercedes all prior agreements between Agent and
Plan relative to policies issued through Agent after the effective date.

                                       4
<PAGE>

Effective Date

This  contract  shall be  effective as of the date of the Plan's  signature  and
execution,  below,  provided  Agent  has  paid the fee  charged  by the Plan for
appointment.

I accept this Contract subject to the terms and conditions contained herein.

                                            Fringe Benefit Analysts, LLC
                                            ------------------------------------
                                            Agency Name (please print)

                                            /s/ Scott E. Deru
                                            ------------------------------------
                                            Authorized Signature

                                                Manager
                                            ------------------------------------
                                            Title (if applicable)

                                                11/2/98
                                            ------------------------------------
                                            Date

                              - FOR PLAN USE ONLY-

In witness whereof, this Contract has been signed and executed on this______ day
of _________________.

                                            ------------------------------------
                                            Plan

                                            ------------------------------------
                                            Title

Rev. 8/93                                                           hartallh.pm6
--------------------------------------------------------------------------------
                                       5
<PAGE>

                                AGENT APPLICATION

Regence
Blue Cross Blue Shield of utah
An Independemt Licencee of the
Blue Cross and Blue Shield Association

Agent/Agency Name:   FRINGE BENEFIT ANALYSTS, LLC .
                     (Please print - must read exactly as the name listed on
                      your Insurance License)

Business Address:                              Residence Address:

471 W Heritage  Park Blvd.,  Ste #1            ---------------------------------
P.O. Box 336                                   ---------------------------------
Layton. UT 84041                               ---------------------------------
Daytime Telephone: (801) 773-8998
                  Send commissions and mail to: [X] Business    [ ] Residence
Birthdate: ________________
Insurance License #: _______________             Social Security #: ______
Organization License #:  3778                    Tax ID #:   87-0618333
                       -------------                      ----------------

If  partnership  or  corporation,  list  name,  address  and  birthdate  of  all
partners/officers (attach additional page if needed):

        Scott E. Deru, President, 3410 N 2350 E,  Layton. UT 84040   07/17/60
        Terry M. Deru,  Vice-President, 336  W Hardscrabble Rd, Morgan,
                                        UT 84050   08/30/54
        Elaine M. Deru, Sec./Treas, 2617  E 1650 N, Layton,
                                    UT 84040   11/Q8/33
Licensed in: [X] Life & Disability  [X] Property/Casualty  [X] Securities

Which States:  Utah  CA,  ID, AZ & WY
Years experience in Life/Accident and Health: ___

List Life/Health companies you currently represent:
    See attached list

Current errors and omissions  policy must be in force and maintained in order to
be appointed with Regence BlueCross BlueShield of Utah.

Errors & Omissions Policy #: NAL-25463
Carrier: NALU/Affinity Insurance Services

Have you ever been convicted of a felony? No

Have you ever had your insurance/security license suspended or revoked? NO
If yes, please explain:

Have you ever been  terminated,  suspended  or put on  probation  by any  health
carrier?  No  If yes, please explain:
________________________________________________________________________________
________________________________________________________________________________

/s/ Scott Deru                                            11/02/98
------------------------------------             -------------------------------
    Applicant Signature                              Date

      NOTE: APPLICATION MUST BE ACCOMPANIED BY A COPY OF INSURANCE LICENSE
                        AND COMPLETED, SIGNED CONTRACT(S)

  WHITE COPY - Marketing YELLOW COPY - Cash Services PINK COPY - Agent/Agency

        (Please return the WHITE and YELLOW copies to Regence BlueCross
                               BlueShield of Utah)

                                       6

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