Document:

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                                                                    EXHIBIT 10.2

                                PLEDGE AGREEMENT

     THIS PLEDGE AGREEMENT, dated as of August 7, 2002, is made by and between
COBALT CORPORATION (the "PLEDGOR"), and M&I MARSHALL & ILSLEY BANK ("M&I").

                                    RECITALS

     A.   The Pledgor is the legal and beneficial owner of the shares of Pledged
Stock (as hereinafter defined) hereby pledged by the Pledgor.

     B.   Pursuant to a Loan Agreement of even date herewith (as amended or
modified from time to time, the "LOAN AGREEMENT"), between M&I and the Pledgor,
M&I has made available certain credit facilities to the Pledgor.

     C.   It is a condition precedent to M&I making any loans or otherwise
extending credit to the Pledgor under the Loan Agreement that the Pledgor
execute and deliver to M&I a pledge agreement in the form hereof.

                                   AGREEMENTS

          In consideration of the Recitals and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
Pledgor hereby agrees with M&I, as follows:

     1. DEFINED TERMS. All capitalized terms used herein without definitions
shall have the respective meanings provided therefor in the Loan Agreement. All
terms defined in the Uniform Commercial Code in effect from time to time in the
State and used herein shall have the same definitions herein as specified
therein; provided, however, if a term is defined in Article 9 of the Uniform
Commercial Code of the State differently than in another Article of the Uniform
Commercial Code of the State, the term has the meaning specified in Article 9.
As used herein, the following terms have the following meanings:

          "CODE" means the Uniform Commercial Code from time to time in effect
in the State.

          "COLLATERAL" means the Pledged Stock and all Proceeds.

          "ISSUER" means each issuer of Pledged Stock listed on SCHEDULE 1
hereto.

          "OBLIGATIONS" has the meaning given to it in the Loan Agreement.

          "PLEDGED STOCK" means the shares of capital stock or other equity
     interests listed on SCHEDULE 1 hereto, together with all stock
     certificates, options or rights of any nature whatsoever that may be issued
     or granted by the Issuer to the Pledgor in respect of the Pledged Stock
     while this Agreement is in effect.

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          "PROCEEDS" means all "proceeds" as such term is defined in Section
     9-102 of the Code and shall include, without limitation, all dividends or
     other income from the Pledged Stock, collections thereon, or distributions
     with respect thereto.

          "SECURITIES ACT" means the Securities Act of 1933, as amended.

          "STATE" means the State of Wisconsin.

          2. PLEDGE; GRANT OF SECURITY INTEREST. The Pledgor hereby delivers to
M&I, all of the Pledged Stock and hereby grants to M&I a first priority security
interest in the Collateral as security for the prompt and complete performance
of the Obligations.

          3. STOCK POWERS. Concurrently with the delivery to M&I of each
certificate representing one or more shares of Pledged Stock, the Pledgor shall
deliver an undated stock power covering such certificate, duly executed in blank
by the Pledgor.

          4. REPRESENTATIONS AND WARRANTIES. The Pledgor represents and warrants
that:

                  (a)    all the shares of such Pledged Stock have been duly and
          validly issued and are fully paid and nonassessable;

                  (b)    the Pledgor is the record and beneficial owner of, and
          has good and marketable title to, such Pledged Stock, free of any and
          all liens or options in favor of, or claims of, any other person,
          except the security interest created by this Agreement and Permitted
          Liens; and

                  (c)    upon delivery to M&I of the stock certificates
          evidencing such Pledged Stock and the stock powers, the security
          interest created by this Agreement will constitute a valid, perfected
          first priority security interest in the Collateral granted by the
          Pledgor, enforceable in accordance with its terms against all
          creditors of the Pledgor and any persons purporting to purchase any
          Collateral from the Pledgor, except as affected by bankruptcy,
          insolvency, fraudulent conveyance, reorganization, moratorium and
          other similar laws relating to or affecting creditors' rights
          generally, general equitable principles (whether considered in a
          proceeding in equity or at law) and an implied covenant of good faith
          and fair dealing.

          5. COVENANTS. The Pledgor covenants and agrees with M&I that, from and
after the date of this Agreement until the Obligations are performed in full:

                  (a)    If the Pledgor shall, as a result of its ownership of
          any Pledged Stock, become entitled to receive or shall receive any
          stock certificate (including, without limitation, any certificate
          representing a stock dividend or a distribution in connection with any
          reclassification, increase or reduction of capital or any certificate
          issued in connection with any reorganization), option or rights,
          whether in addition to, in substitution of, as a conversion of, or in
          exchange for any shares of any Pledged Stock, or otherwise in respect
          thereof, the Pledgor shall accept the same as the agent of M&I, hold
          the same in trust for M&I and deliver the same forthwith to M&I in the
          exact form received, duly indorsed by the Pledgor to M&I, if required,
          together with an undated

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          stock power covering such certificate duly executed in blank by the
          Pledgor, to be held by M&I, subject to the terms hereof, as additional
          collateral security for the Obligations of the Pledgor. Any property
          distributed to the Pledgor upon or in respect of any Pledged Stock
          upon the liquidation, dissolution, recapitalization or reorganization
          of an Issuer, shall be delivered to M&I as additional collateral
          security for the Obligations of the Pledgor. If any property
          distributed in respect of any Pledged Stock shall be received by the
          Pledgor while an Event of Default exists, the Pledgor shall, until
          such property is delivered to M&I, hold the property in trust for M&I,
          segregated from other property of the Pledgor, as additional
          collateral security for the Obligations of the Pledgor.

                  (b)    Without the prior written consent of M&I, the Pledgor
          shall not vote to enable, or take any other action to permit, an
          Issuer to issue any stock or other equity securities of any nature or
          to issue any other securities convertible into or granting the right
          to purchase or exchange for any stock or other equity securities of
          any nature of an Issuer, sell, assign, transfer, exchange, or
          otherwise dispose of, or grant any option with respect to, the
          Collateral, or create, incur or permit to exist any lien or option in
          favor of, or any claim of any person with respect to, any of the
          Collateral, or any interest therein, except for the security interests
          created by this Agreement (other than Permitted Liens). The Pledgor
          will defend the right, title and interest of M&I in and to the
          Collateral against the claims and demands of all persons whomsoever
          other than holders of Permitted Liens.

                  (c)    At any time and from time to time, upon the written
          request of M&I to the Pledgor, and at its sole expense, the Pledgor
          will promptly and duly execute and deliver such further instruments
          and documents and take such further actions as M&I may reasonably
          request for the purposes of obtaining or preserving the full benefits
          of this Agreement and of the rights and powers herein granted. If any
          amount payable under or in connection with any of the Collateral shall
          be or become evidenced by any promissory note, other instrument or
          chattel paper, such note, instrument or chattel paper shall be
          immediately delivered to M&I, duly endorsed in a manner satisfactory
          to M&I, to be held as Collateral pursuant to this Agreement.

                  (d)    The Pledgor shall pay, and save M&I harmless from, any
          and all liabilities with respect to, or resulting from any delay in
          paying, any and all stamp, excise, sales or other taxes which may be
          payable or determined to be payable with respect to any of the
          Collateral granted by the Pledgor or in connection with any of the
          transactions contemplated by this Agreement.

          6. VOTING RIGHTS. Unless an Event of Default shall have occurred and
be continuing, the Pledgor shall be permitted to exercise all voting and
corporate rights with respect to such Pledged Stock; PROVIDED, HOWEVER, that no
vote shall be cast or corporate right exercised or other action taken which, in
M&I's reasonable judgment, would impair the Collateral or which would be
inconsistent with or result in any violation of any provision of this Agreement.

          7. RIGHTS OF M&I. If an Event of Default shall occur and be
continuing, M&I shall have the right to have any or all shares of Pledged Stock
registered in its name or the name of its nominee, and M&I or its nominee may
thereafter exercise all voting, corporate and other rights

                                       -3-
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pertaining to such Pledged Stock at any meeting of shareholders of an Issuer or
otherwise and any and all rights of conversion, exchange, subscription and any
other rights, privileges or options pertaining to such Pledged Stock as if it
were the absolute owner thereof (including, without limitation, the right to
exchange at its discretion any and all of the Pledged Stock upon the merger,
consolidation, reorganization, recapitalization or other fundamental change in
the corporate structure of an Issuer, or upon the exercise by the Pledgor or M&I
of any right, privilege or option pertaining to such Pledged Stock, and in
connection therewith, the right to deposit and deliver any and all of such
Pledged Stock with any committee, depositary, transfer agent, registrar or other
designated agency upon such terms and conditions as M&I may determine).

                  The rights of M&I hereunder shall not be conditioned or
contingent upon the pursuit by M&I of any right or remedy against an Issuer or
any obligor or against any other person which may be or become liable in respect
of all or any part of the Obligations or against any collateral security
therefor, guarantee thereof or right of offset with respect thereto. M&I shall
not be liable for any failure to demand, collect or realize upon all or any part
of the Collateral or for any delay in doing so, nor shall M&I be under any
obligation to sell or otherwise dispose of any Collateral upon the request of
the Pledgor or any other person or to take any other action whatsoever with
regard to the Collateral or any part thereof.

          8. REMEDIES; SALE PROCEEDS.

                  (a)    If an Event of Default shall occur and be continuing,
          M&I may exercise, in addition to all other rights and remedies granted
          in this Agreement, all rights and remedies of a secured party under
          the Code as M&I deems advisable. Without limiting the generality of
          the foregoing, M&I, without demand of performance or other demand,
          presentment, protest, advertisement or notice of any kind (except any
          notice required by law referred to below) to or upon the Pledgor, an
          Issuer, any obligor or any other person (all and each of which
          demands, defenses, advertisements and notices are hereby waived), may
          in such circumstances forthwith collect, receive, appropriate and
          realize upon the Collateral, or any part thereof, and/or may forthwith
          sell, assign, give option or options to purchase or otherwise dispose
          of and deliver the Collateral or any part thereof (or contract to do
          any of the foregoing), in one or more parcels at public or private
          sale or sales, in the over-the-counter market, at any exchange,
          broker's board or office of M&I or elsewhere upon such terms and
          conditions as it may deem advisable and at such prices as it may deem
          best, for cash or on credit or for future delivery without assumption
          of any credit risk.

                  M&I shall have the right upon any such public sale or sales,
          and, to the extent permitted by law, upon any such private sale or
          sales, to purchase the whole or any part of the Collateral so sold,
          free of any right or equity of redemption in the Pledgor, which right
          or equity is hereby waived or released. If any notice of a proposed
          sale or other disposition of Collateral shall be required by law, such
          notice shall be deemed reasonable and proper if given at least ten
          (10) days before such sale or other disposition.

                  (b)    M&I shall apply any Proceeds from time to time held by
          it and the net proceeds of any such collection, recovery, receipt,
          appropriation, realization or sale, after

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          deducting all reasonable costs and expenses of every kind incurred in
          respect thereof or incidental to the care or safekeeping of any of the
          Collateral or in any way relating to the Collateral or the rights of
          M&I hereunder, including, without limitation, reasonable attorneys'
          fees and disbursements of counsel to M&I, to the payment in whole or
          in part of the Obligations, in such order as set forth in the Loan
          Agreement or as M&I may otherwise decide, and only after such
          application and after the payment by M&I of any other amount required
          by any provision of law, including, without limitation, Section
          9-615(1)(c) of the Code, need M&I account for the surplus, if any, to
          the Pledgor. To the extent permitted by applicable law, the Pledgor
          waives all claims, damages and demands it may acquire against M&I
          arising out of the exercise by it of any rights hereunder, except such
          claims and damages arising out of the gross negligence or willful
          misconduct of M&I. The Pledgor shall remain liable for any deficiency
          if the proceeds of any sale or other disposition of Collateral are
          insufficient to pay the Obligations of the Pledgor and the reasonable
          fees and disbursements of any attorneys employed by M&I to collect
          such deficiency.

          9. PRIVATE SALES.

                  (a)    The Pledgor recognizes that M&I may be unable to effect
          a public sale of any or all the Pledged Stock, by reason of certain
          prohibitions contained in the Securities Act and applicable state
          securities laws or otherwise, and may be compelled to resort to one or
          more private sales thereof to a restricted group of purchasers which
          will be obliged to agree, among other things, to acquire such
          securities for their own account for investment and not with a view to
          the distribution or resale thereof. The Pledgor acknowledges and
          agrees that any such private sale may result in prices and other terms
          less favorable than if such sale were a public sale and,
          notwithstanding such circumstances, agrees that any such private sale
          shall be deemed to have been made in a commercially reasonable manner.
          M&I shall be under no obligation to delay a sale of any of the Pledged
          Stock for the period of time necessary to permit the applicable Issuer
          thereof to register such securities for public sale under the
          Securities Act, or under applicable state securities laws, even if
          such Issuer would agree to do so.

                  (b)    The Pledgor further agrees to use its best efforts to
          do or cause to be done all such other acts as may be necessary to make
          such sale or sales of all or any portion of the Pledged Stock pursuant
          to this section valid and binding and in compliance with any and all
          other applicable requirements of law. The Pledgor further agrees that
          a breach of any of the covenants contained in this Section will cause
          irreparable injury to M&I, that M&I has no adequate remedy at law in
          respect of such breach and, as a consequence, that each and every
          covenant contained in this Section 9 shall be specifically enforceable
          against the Pledgor, and the Pledgor hereby waives and agrees not to
          assert any defenses against an action for specific performance of such
          covenants except for a defense that no Event of Default has occurred.

          10. IRREVOCABLE AUTHORIZATION AND INSTRUCTION TO ISSUER AND OBLIGOR.
The Pledgor hereby authorizes and instructs each Issuer of its Pledged Stock to
comply with any instruction received by it from M&I in writing that (a) states
that an Event of Default exists and (b) is otherwise in

                                       -5-
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accordance with the terms of this Agreement, without any other or further
instructions from the Pledgor, and the Pledgor agrees that the Issuer shall be
fully protected in so complying.

          11. SECURITY AGENT'S APPOINTMENT AS ATTORNEY-IN-FACT. The Pledgor
hereby irrevocably constitutes and appoints M&I and any officer or agent of
M&I, with full power of substitution, as its true and lawful attorney-in-fact
with full irrevocable power and authority in the place and stead of the
Pledgor and in the name of the Pledgor or in M&I's own name, from time to
time in M&I's discretion so long as an Event of Default exists, for the
purpose of carrying out the terms of this Agreement, to take any and all
appropriate action and to execute any and all documents and instruments which
may be necessary or desirable to accomplish the purposes of this Agreement,
including, without limitation, any financing statements, endorsements,
assignments or other instruments of transfer.

                  The Pledgor hereby ratifies all that said attorneys shall
lawfully do or cause to be done pursuant to the power of attorney granted in
Section 11. All powers, authorizations and agencies contained in this Agreement
are coupled with an interest and are irrevocable until the Obligations are
performed in full.

          12. DUTY OF M&I. M&I's sole duty with respect to the custody,
safekeeping and physical preservation of the Collateral in its possession, under
Section 9-207 of the Code or otherwise, shall be to deal with it in the same
manner as M&I deals with similar securities and property for its own account.
Neither M&I nor any of its directors, officers, employees or agents shall be
liable for failure to demand, collect or realize upon any of the Collateral or
for any delay in doing so or shall be under any obligation to sell or otherwise
dispose of any Collateral upon the request of the Pledgor or any other person or
to take any other action whatsoever with regard to the Collateral or any part
thereof.

          13. FILING FINANCING STATEMENTS. The Pledgor authorizes M&I to file
financing statements with respect to the Collateral without the signature of
the Pledgor in such form and in such filing offices as M&I reasonably
determines appropriate to perfect the security interests of M&I under this
Agreement.

          14. NOTICES. All notices, requests and demands to or upon M&I
or the Pledgor to be effective shall be delivered in the manner and to the
addresses set forth in Section 8.7 of the Loan Agreement. All notices, requests
and demands to or upon an Issuer shall be effective, shall be delivered in the
manner set forth in Section 8.7 of the Loan Agreement and addressed to the
Issuer at the address of the Pledgor set forth in Section 8.7 of the Loan
Agreement.

          15. SEVERABILITY. Any provision of this Agreement which is
prohibited or unenforceable in any jurisdiction shall, as to such
jurisdiction, be ineffective to the extent of such prohibition or
unenforceability without invalidating the remaining provisions hereof, and
any such prohibition or unenforceability in any jurisdiction shall not
invalidate or render unenforceable such provision in any other jurisdiction.

          16. AMENDMENTS IN WRITING; NO WAIVER; CUMULATIVE REMEDIES. M&I shall
not by any act (except by a written instrument signed by M&I), delay,
indulgence, omission or otherwise be deemed to have waived any right or remedy
hereunder or to have acquiesced in any Event of

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Default or in any breach of any of the terms and conditions hereof. No failure
to exercise, nor any delay in exercising, on the part of M&I, any right, power
or privilege hereunder shall operate as a waiver thereof. No single or partial
exercise of any right, power or privilege hereunder shall preclude any other or
further exercise thereof or the exercise of any other right, power or privilege.
A waiver by M&I of any right or remedy hereunder on any one occasion shall not
be construed as a bar to any right or remedy which M&I would otherwise have on
any future occasion. The rights and remedies herein provided are cumulative, may
be exercised singly or concurrently and are not exclusive of any other rights or
remedies provided by law.

          17. SECTION HEADINGS. The section headings used in this Agreement are
for convenience of reference only and are not to affect the construction hereof
or be taken into consideration in the interpretation hereof.

          18. SUCCESSORS AND ASSIGNS. This Agreement shall be binding upon the
successors and assigns of the Pledgor and shall inure to the benefit of M&I and
their successors and assigns.

                                       -7-
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          19. GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED
AND INTERPRETED IN ACCORDANCE WITH, THE INTERNAL LAW OF THE STATE OF WISCONSIN
WITHOUT GIVING EFFECT TO ITS CONFICTS OF LAW PROVISIONS.

          20. CONSENT TO JURISDICTION AND VENUE. All judicial proceedings
brought against the Pledgor with respect to this Pledge Agreement shall be
brought in any state or federal court of competent jurisdiction in the State of
Wisconsin, and, by execution and delivery of this Pledge Agreement, the Pledgor
accepts, for itself and in connection with its properties, generally and
unconditionally, the exclusive jurisdiction of the aforesaid courts and
irrevocably agrees to be bound by any final judgment rendered thereby in
connection with this Pledge Agreement from which no appeal has been taken or is
available. The Pledgor irrevocably waives any objection, including, without
limitation, any objection to the laying of venue or based on the grounds of
FORUM NON CONVENIENS which it may now or hereafter have to the bringing of any
such action or proceeding in any such jurisdiction. Nothing herein shall limit
the right of M&I to bring proceedings against the Pledgor in a court of any
other jurisdiction.

               [The remainder of this page is intentionally blank]

                                       -8-
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     IN WITNESS WHEREOF, the undersigned has caused this Pledge Agreement to be
duly executed and delivered as of the date first above written.

                                      COBALT CORPORATION

                                      BY: /s/ Thomas R. Hefty
                                          -------------------
                                        Its: Chairman & CEO
                                             --------------

                                      BY: /s/ Gail L. Hanson
                                          ------------------
                                        Its: Sr VP, Treasurer & CFO
                                             ----------------------

                                      M&I MARSHALL & ILSLEY BANK

                                      BY: /s/ Thomas F. Bickelhaupt
                                          -------------------------
                                        Its: Vice President
                                             --------------

                                       -9-
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                                   SCHEDULE 1
                               TO PLEDGE AGREEMENT

                          DESCRIPTION OF PLEDGED STOCK

<Table>
<Caption>
                                                        Stock          No. of
                                                     Certificate       Shares
          Issuer                 Class of Stock         No(s).        Pledged

<S>                              <C>                      <C>        <C>
Blue  Cross  &  Blue  Shield     Common Stock             2          2,000,000
United  of Wisconsin
</Table>

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                           ACKNOWLEDGMENT AND CONSENT

     The undersigned is an Issuer referred to in the foregoing Pledge Agreement
and hereby acknowledges receipt of a copy of the Pledge Agreement, dated as of
August 7, 2002, made by the Pledgor (as defined therein) in favor of M&I (as
defined therein) (as amended, supplemented or otherwise modified from time to
time, the "PLEDGE AGREEMENT"). The undersigned agrees for the benefit of M&I as
follows:

     1.     The undersigned will be bound by the terms of the Pledge Agreement
and will comply with such terms insofar as such terms are applicable to the
undersigned.

     2.     The undersigned will notify M&I promptly in writing of the
occurrence of any of the events described in paragraph 5(a) of the Pledge
Agreement.

                                              BLUE CROSS & BLUE SHIELD UNITED OF
                                              WISCONSIN

                                              By: /s/ Thomas R. Hefty
                                                  -------------------
                                              Title: Chairman & CEO
                                                     --------------

                                      -11-<Page>

                                                                    EXHIBIT 10.3

                       ASSIGNMENT AND ASSUMPTION AGREEMENT

               This ASSIGNMENT AND ASSUMPTION AGREEMENT (this "AGREEMENT")
effective as of the 1st day of October, 2002 (the "Effective Date"), is entered
into by and between Cobalt Corporation, a Wisconsin business corporation
("Cobalt"), and Blue Cross & Blue Shield United of Wisconsin, a Wisconsin stock
insurance corporation ("BCBSUW").

                                    RECITALS

               WHEREAS, Cobalt owns all of the issued and outstanding shares of
capital stock of Compcare Health Services Insurance Corporation, a Wisconsin
health maintenance organization ("Compcare"), which consists solely of two
million (2,000,000) shares of common stock (collectively, the "Shares"); and

               WHEREAS, Cobalt has outstanding debt obligations to BCBSUW
pursuant to the terms of a Promissory Note, dated February 15, 2002, in the
principal amount of Seventy Million Dollars ($70,000,000) ("Note"), and the Note
matures and becomes due and payable on January 2, 2003; and

               WHEREAS, the Cobalt and BCBSUW ("Parties") desire to consummate a
transfer of the Shares from Cobalt to BCBSUW in order to satisfy Cobalt's debt
obligations under the Note, upon the terms and conditions set forth in this
Agreement.

               NOW, THEREFORE, in consideration of the premises and the mutual
covenants contained hereinafter, the Parties agree as follows:

                                    AGREEMENT

          1.   ASSIGNMENT AND ASSUMPTION.

               Cobalt hereby assigns, transfers, and conveys to BCBSUW, all of
its rights, title and interest in and to the Shares, and BCBSUW hereby accepts
and assumes all such rights, title and interest in and to the Shares in
satisfaction of Cobalt's debt obligations under the Note (collectively, the
"Assignment and Assumption"). The Assignment and Assumption shall be effective
as of October 1, 2002; provided, however, the full force and effect of the
Assignment and Assumption shall be subject to the condition that Compcare first
completes its dividend of all of the issued and outstanding capital stock of
United Heartland Life Insurance Company to Cobalt. The Parties each agree to
execute and deliver all necessary written instruments and to take such other
actions as may be necessary and proper to give full force and effect to the
Assignment and Assumption.

          2.   OTHER TERMS.

               Cobalt makes the following representations and warranties to
Buyer, each of which is true and correct at and as of the Effective Date.

<Page>

               a.   CAPITALIZATION. The authorized capital stock of Compcare
          consists solely of two million (2,000,000) shares of common stock, par
          value $1.00 per share, of which two million (2,000,000) shares are
          issued and outstanding and owned beneficially and of record by Cobalt.
          No other class of capital stock or equity interest of Compcare is
          authorized or outstanding. There are no outstanding options,
          contracts, calls, commitments or demands of any character with respect
          to the capital stock of Compcare, whether by option, warrant, right of
          subscription, right of conversion, call, reorganization or otherwise.
          No Shares are subject to any voting trust agreement or any other
          agreement relating to the voting of shares or restricting in any
          manner the sale or transfer of the Shares. There is no liability for
          dividends declared or accumulated but unpaid with respect to any of
          Compcare's capital stock. There are no shares of capital stock held in
          the treasury of Compcare. No agreement exists providing for the
          amendment of the Articles of Incorporation of Compcare so as to
          increase the amount of its authorized capital stock.

               b.   TITLE. Except for any liens, claims and encumbrances arising
          from the Loan Agreement between Cobalt and M&I Marshall & Ilsley
          Bank, dated August 7, 2002, Cobalt has, and upon giving effect to the
          Assignment and Assumption, BCBSUW will receive, good and marketable
          title to the Shares, free and clear of all liens, claims, and
          encumbrances of any kind.

          3.   GENERAL PROVISIONS.

               a.   COUNTERPARTS. This Assignment may be executed simultaneously
          in one or more counterparts, each of which shall be deemed an
          original, but all of which together shall constitute one and the same
          instrument.

               b.   HEADINGS. The headings in the paragraphs of this Assignment
          are inserted for convenience only and shall not constitute a part
          hereof.

               c.   PARTIES IN INTEREST. This Agreement shall be binding upon
          and inure to the benefit of the Parties hereto and their respective
          successors and assigns.

               d.   CHOICE OF LAW. This Assignment and any amendments thereto
          shall be subject to and governed by the laws of the State of
          Wisconsin.

               e.   AMENDMENT AND MODIFICATION. This Agreement may only be
          amended by a written agreement signed by both Parties.

               f.   SEVERABILITY. In the event any provision of this Assignment
          shall be held invalid or unenforceable for any reason, such invalidity
          or unenforceability shall not effect the remaining parts of this
          Assignment.

                                       -2-
<Page>

                    IN WITNESS WHEREOF, the Parties hereto have caused this
Agreement to be executed as of the date and year first set forth above.

                                           COBALT CORPORATION

                                           By: /s/ Stephen E. Bablitch
                                               -----------------------
                                           Name:  Stephen E. Bablitch
                                                  -------------------
                                           Title: President and COO
                                                  -----------------

                                           BLUE CROSS & BLUE SHIELD
                                           UNITED OF WISCONSIN

                                           By: /s/ Gail L. Hanson
                                               ------------------
                                           Name:  Gail L. Hanson
                                                  --------------
                                           Title: Sr. VP and Treasurer
                                                  --------------------

                                       -3-

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