Document:

EXHIBIT 10.2

                                    AMENDMENT

                                        TO

                              MANAGEMENT AGREEMENT

        WHEREAS,  DEMETER MANAGEMENT  CORPORATION,  a Delaware  corporation (the
"General  Partner") on behalf of MORGAN  STANLEY DEAN WITTER  SPECTRUM  CURRENCY
L.P., a Delaware limited  partnership (the  "Partnership"),  and SUNRISE CAPITAL
PARTNERS,  LLC, a California limited liability company (the "Trading  Advisor"),
have agreed to amend the  Management  Agreement,  dated as of March 6, 2000 (the
"Management  Agreement"),  among the Partnership,  the General Partner,  and the
Trading  Advisor,  to change the management fee and the incentive fee payable to
the Trading Advisor.

        WHEREAS,  all provisions contained in the Management Agreement remain in
full force and effect and are modified  only to the extent  necessary to provide
for the amendment set forth below.

        NOW, THEREFORE, the parties hereto hereby amend the Management Agreement
as follows:

        1. The  monthly  management  fee rate of 1/12 of 3% (a 3%  annual  rate)
referred to in Section 6(a)(i) of the Management  Agreement is hereby changed to
1/12 of 2% (a 2% annual rate).

        2. The monthly  incentive  fee  percentage of 15% referred to in Section
6(a)(ii) of the Management Agreement is hereby changed to 20%.

        3. The foregoing changes shall take effect as of December 1, 2000.

<PAGE>

        IN WITNESS WHEREOF,  this Amendment to the Management Agreement has been
executed  for and on behalf of the  undersigned  as of the 30th day of November,
2000.

                                          MORGAN STANLEY DEAN WITTER SPECTRUM
                                          CURRENCY L.P.

                                          By:   Demeter Management Corporation,
                                                General Partner

                                          By:   /s/Robert E. Murray
                                             -----------------------------------
                                                Name:  Robert E. Murray
                                                Title:  President

                                          DEMETER MANAGEMENT CORPORATION

                                          By:   /s/Robert E. Murray
                                             -----------------------------------
                                                Name:  Robert E. Murray
                                                Title:  President

                                          SUNRISE CAPITAL PARTNERS, LLC

                                          By:   /s/Martin P. Klitzner
                                             -----------------------------------
                                                Name:  Martin P. Klitzner
                                                Title:  President<PAGE>

                    EMPLOYMENT TERM SHEET FOR JAMES W. MCLANE

STATUS. On February 1, 2001 ("Succession Date"), James W. McLane ("McLane")
shall assume the position and responsibilities of President and CEO of
HealthAxis.com, Inc., and shall also serve as a Director and member of the
Executive Committee of the Board of Directors. In the event the merger (the
"Merger") of HealthAxis into and with a wholly owned subsidiary of HealthAxis
Inc. ("HAXS") is not consummated, then HealthAxis shall be solely responsible
for all terms of employment hereunder. Upon consummation of the Merger, both
HealthAxis and HAXS shall be jointly and severally responsible for all terms of
employment hereunder.

EMPLOYMENT AT WILL. McLane's employment is on an "at-will" basis for no definite
time period, and may be terminated for any non-discriminatory reason at any time
without notice or cause.

SALARY & BONUS COMPENSATION. McLane shall be paid at an annual salary rate of
$325,000, which will be reviewed by the Board of Directors annually. McLane
shall also be eligible to participate in any incentive compensation plan adopted
by the company, with a bonus target equal to 50% of annual base salary.

BENEFITS. McLane shall not receive the standard employee health benefits
package, but may participate in the Company's long term disability, AD&D, group
term life, and 401(k).

BUSINESS RELATED EXPENSES. McLane shall be reimbursed for all reasonable and
necessary HealthAxis business-related expenses incurred by McLane.

AUTOMOBILE. No company-paid automobile will be provided, however the Company
shall reimburse McLane for reasonable and necessary business-related travel and
transportation expenses.

APARTMENT. Company shall provide McLane with a company-paid apartment in Dallas,
Texas at a reasonable and necessary rental rate for use during his service to
the Company.

OPTIONS. McLane shall be granted 550,000 Incentive Stock Options in
HealthAxis.com, Inc. at an exercise price of $4.00 per share with an expiration
date five (5) years from the grant date. Of the 550,000 options, 250,000 shall
vest immediately. These options for HealthAxis common stock and any shares of
HealthAxis common stock issued upon exercise of these options shall convert, in
the event of the Merger is consummated, into options for or shares of HAXS
common stock, in the same manner and at the same exchange ratio as all other
HealthAxis stock and options. Of the remaining 300,000 balance, so long as
McLane continuously serves as an employee, director or consultant of HealthAxis,
75,000 shall vest on the grant anniversary date each year for four (4) years
beginning on the first anniversary date of grant. The vesting of the options
shall accelerate in full if there is a change in control of the Company as
defined in the HealthAxis 1998 Stock Option Plan or if McLane is not retained as
CEO and is asked to leave the Board, unless such termination or removal was for
cause.

Offered, Accepted and Agreed to this 29th day of December, 2000.

                                                 HealthAxis.com, Inc.

 /s/ James W. McLane                              /s/ Michael Ashker
---------------------------                      -------------------------------
James W. McLane                                  Michael Ashker, President & CEO

Accepted and Agreed to, this 29th day of December, 2000, with all obligations
contemplated herein contingent upon consummation of the Merger.

HealthAxis Inc.

By: /s/ Michael Ashker
   ------------------------
   Michael Ashker
   President and CEO<PAGE>

                     SEVERANCE AGREEMENT FOR MICHAEL ASHKER

The Parties to this Severance Agreement are Michael Ashker ("Executive") and
HealthAxis.com, Inc. ("HealthAxis"). In the event the merger (the "Merger") of
HealthAxis into and with a wholly owned subsidiary of HealthAxis Inc. ("HAXS")
is not consummated, then HealthAxis shall be solely responsible for all
severance payments and obligations hereunder. Upon consummation of the Merger,
both HealthAxis and HAXS shall be jointly and severally responsible for all
payments and obligations hereunder.

I.       STATUS. On February 1, 2001 ("Succession Date"), Executive shall resign
         as President and CEO of HealthAxis.com, Inc., and shall succeed to an
         executive role as Chairman of the Board of Directors of HealthAxis.com,
         Inc. Executive shall transition to a non-executive Chairman role on or
         about March 31, 2001 ("Transition Date").

II.      SALARY. Executive shall continue to be paid by HealthAxis at his
         current annual salary rate of $200,000 up to and including the
         Transition Date.

III.     SEPARATION COMPENSATION. Effective on the first day following the
         Transition Date, Executive shall receive a 12 month consulting
         agreement paying Executive a total of $180,000, payable in equal
         semi-monthly installments consistent with company pay periods. In the
         event Executive leaves the Board of Directors at any time during the 12
         month term of the consulting agreement, Executive shall have the option
         to accelerate the consulting agreement and receive any outstanding
         contract balances in a lump sum.

IV.      MEDICAL EXPENSES. Executive shall receive continuation of medical
         insurance benefits, either as director/consultant under the plan or
         through effectuation of COBRA as the case may be, at the current
         contribution rate for six (6) months following the Transition Date. If
         acceleration of the consulting agreement occurs as provided in Section
         III above within six (6) months of the Transition Date, then Executive
         shall receive any outstanding continuation payments in a lump sum.

V.       BUSINESS RELATED EXPENSES. Executive shall be reimbursed for all
         reasonable and necessary HealthAxis business-related expenses incurred
         by Executive while Chairman.

VI.      AUTOMOBILE & EQUIPMENT. Monthly payments for Company-leased automobile
         shall be paid by Company through June 30, 2001. As of July 1, 2001,
         Executive will make payments through November 30, 2001, at which time
         the lease terminates. Executive may keep for his own use his laptop
         computer, desktop printer, cell phone and peripherals.

<PAGE>

VII.     APARTMENT. Executive may continue to occupy the Company-paid apartment
         in Dallas, Texas up to and including the Transition Date. Thereafter,
         at his option Executive may either continue to occupy the apartment at
         his own expense, or shall use best efforts to transfer the lease to a
         third party or sublet (as permitted) the apartment to HealthAxis.

VIII.    OPTIONS. All stock options previously granted to Executive shall be
         fully vested and the post-termination exercise period shall be amended
         in each option to allow for a three-year post termination exercise
         period, effective from Executive's termination as a director, employee
         or consultant of HealthAxis. All shares underlying the options shall be
         registered in the Form S-8 filing which is expected to be filed within
         one (1) month of the Merger close. If during the three year post
         termination exercise period Executive is unable to sell his shares
         acquired upon exercise of his options because the S-8 is not effective,
         then Executive shall be entitled to piggyback registration rights each
         time the Company files a registration statement.

IX.      MUTUAL RELEASE OF LIABILITY. Executive and HealthAxis agree to and
         shall execute a mutual release of liability that is mutually
         satisfactory to both parties to be effective upon the date of
         Executive's resignation as Chairman.

Accepted, Agreed to and Effective this 29th day of December, 2000.

 /s/ Michael Ashker
------------------------
MICHAEL ASHKER

HEALTHAXIS.COM, INC.

BY: /S/ MICHAEL G. HANKINSON
    ---------------------------
    MICHAEL G. HANKINSON
    SVP & GENERAL COUNSEL

Accepted and Agreed to, this 29th day of December, 2000, with all obligations
contemplated herein contingent upon consummation of the Merger.

HealthAxis Inc.

By: /s/ Anthony R. Verdi
   --------------------------
   Anthony R. Verdi
   Chief Financial Officer

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