Document:

Exhibit-10.5

Exhibit 10.5

EMPLOYMENT
AGREEMENT

This
 EMPLOYMENT  AGREEMENT (this  "Agreement")  is made by and between  Healthaxis,  Ltd., a
Texas limited  partnership  (the "Company") and an indirect wholly owned  subsidiary of
HealthAxis Inc., a Pennsylvania  corporation  (the "Parent"),  and Roxanne Seale (the
"Executive"), as of the 20th day of April, 2007.

1.
      Employment  Period.  The Company  hereby  agrees to continue the Executive in its
employ,  and the Executive  hereby agrees to remain in the employ of the Company  subject
to the terms and  conditions  of this  Agreement,  for the period  commencing on April
20, 2007 (the  "Effective  Date") and continuing  through April 20, 2008 (the
 "Employment  Period").  Healthaxis and Executive  agree that beginning on April 21,
2007, and on each day thereafter,  that the Employment  Period shall be automatically
 extended by an additional one (1) day period.  As a result,  at any given time from and
after the Effective  Date of this  Agreement,  the remaining  term of the Employment
Period will be one (1) year.

2.       Terms
of Employment.

		         (a) 	Position
and Duties.  During the Employment Period, the Executive's position (including status,
 offices,  titles and          reporting requirements),  authority,  duties and
responsibilities shall be at least commensurate in all material respects with
         the following:

		                  (i) 	Executive's
 title shall be Senior Vice President of  Application  Solutions,  reporting to the
Company's  Chief                   Executive  Officer as directed from time to time.  The
Executive will hold the same title at the Parent company level                   and any
operating subsidiaries as appropriate;

		                  (ii) 	Executive
 shall be responsible  for all  application  software  development  and support
 functions  within the                   Company;

		                  (iii) 	Executive
 shall provide support and guidance to other  executives and senior  operational
 managers and sales                   personnel  on numerous  operational  and
 administrative  issues,  including,  but not limited  to,  pricing  issues,
                  budgeting,  forecasting and cost analysis, negotiating with and
managing significant customers and vendors, and other                   administrative
and operational issues that arise from time to time;

		                  (iv) 	Executive
will work with the Chief  Executive  Officer and other members of senior  management of
the Company to                   carry out the Company's strategic and operational
objectives; and

		                  (v) 	Executive
 will carry out such other duties and  responsibilities  that are assigned  from time to
time that are                   consistent with the foregoing.

			         During the
 Employment  Period,  and excluding any periods of vacation and personal  leave to which
the Executive is entitled,          the Executive agrees to devote  reasonable  attention
and time during normal business hours to the business and affairs of the          Company
 and, to the extent  necessary to discharge  the  responsibilities  assigned to the
 Executive  hereunder,  to use the          Executive's  reasonable  best efforts to
perform  faithfully  and  efficiently  such  responsibilities.  During the Employment
         Period it shall not be a violation of this Agreement for the Executive to (A)
serve on corporate,  civic or charitable  boards          or  committees,  and (B) manage
 personal  investments  or other  business in which  Executive is involved or has an
ownership          interest, so long as such activities do not significantly  interfere
with the performance of the Executive's  responsibilities          as an employee of the
Company in accordance  with this  Agreement,  and Executive  complies with the Company's
codes of ethics          in relation to those outside interests.

		         (b) 	Location.
 The Executive's  services shall be performed primarily at the Company's corporate
 headquarters located in          Irving, Texas. The Executive's duties will also involve
some travel on Company business.

		         (c) 	Compensation.
 During the Employment Period, the Executive shall receive the following compensation:

		                  (i) 	Base
 Salary.  An initial  annual  base  salary of  $135,500  ("Annual  Base  Salary"),  which
shall be paid                   semi-monthly  according to the Company's  standard
payroll practice.  During the Employment  Period,  the Annual Base
                  Salary will generally be reviewed at least annually by the Compensation
Committee of the Board of Directors,  and may                   be  increased  in the
 Committee's  sole  discretion.  Any increase in Annual Base Salary shall not serve to
limit or                   reduce any other  obligation to the  Executive  under this
 Agreement.  Annual Base Salary shall not be reduced after                   any such
increase and the term Annual Base Salary as utilized in this Agreement  shall refer to
Annual Base Salary as                   so increased;

		                  (ii) 	Incentive,
 Savings and Retirement Plans.  During the Employment  Period, the Executive shall be
entitled to                   participate in all incentive, savings and retirement plans,
practices,  policies and programs applicable generally to                   other peer
executives of the Company and its affiliated  companies.  For 2007, this includes the
Company's  Executive                   Incentive  Compensation Plan with a target bonus
of 20% of the Annual Base Salary,  and a maximum bonus of 50% of the
                  Annual Base Salary, based on achievement of certain corporate level
objectives and individual  management  objectives                   to be set in
accordance with the Executive Incentive Compensation Plan;

		                  (iii) 	Equity
 Compensation.  During the Employment  Period,  the Executive shall be entitled to
participate in all                   equity compensation  plans,  practices,  policies
and programs  applicable  generally to other peer executives of the
                  Company  and its  affiliated  companies.  Executive  acknowledges  and
agrees  that  participation  in such plans and                   programs,  including
 additional  equity  compensation  plan  awards,  if  any,  will  be at  the  discretion
 of the                   Compensation  Committee of the Board of Directors,  and
Executive further  acknowledges that additional equity awards                   made from
time to time under such plans or programs may differ between various peer executives;

		                   (iv) 	Welfare
Benefit Plans.  During the Employment  Period,  the Executive and/or the Executive's
 family, as the                   case may be, shall be eligible for  participation  in
and shall  receive all benefits  under welfare  benefit  plans,
                  practices,  policies  and  programs  provided  by the  Company  and
 its  affiliated  companies  (including,  without                   limitation,  medical,
 prescription,  dental,  disability,  employee life,  group life,  accidental  death and
travel                   accident  insurance  plans and programs) to the extent
 applicable  generally to other peer executives of the Company                   and its
affiliated companies;

		                  (v) 	Vacation
and Paid Time Off.  During the Employment  Period,  the Executive shall be entitled to
receive four                   weeks of vacation under the standard  Executive Vacation
Policy, and seven days of personal leave under the Company's                   standard
Paid Time Off policy; and

		                  (vi) 	Expenses.
 During the Employment  Period,  the Executive  shall be entitled to receive prompt
 reimbursement                   for all reasonable  business expenses incurred by the
Executive in accordance with the standard  policies,  practices                   and
procedures of the Company.

3.
      Termination of Employment.

		         (a) 	Death
or Disability.  The Executive's  employment  shall  terminate upon the Executive's  death
during the Employment          Period.  If the Company  determines in good faith that the
 Disability of the  Executive  has occurred  during the  Employment          Period
(pursuant to the definition of Disability set forth below),  it may give to the Executive
 written notice in accordance          with  Section  10(b) of this  Agreement  of its
 intention  to  terminate  the  Executive's  employment.  In such  event,  the
         Executive's  employment  with the  Company  shall  terminate  effective  on the
30th day after  receipt of such  notice by the          Executive (the "Disability
 Effective Date"),  provided that, within 30 days after such receipt,  the Executive
shall not have          returned to full-time  performance of the  Executive's  duties.
 For purposes of this Agreement,  "Disability"  shall have the          meaning set forth
in the  long-term  disability  plan  providing  benefits  to  employees  of the  Company
and its  affiliated          companies  at the  Disability  effective  date.  If there is
no long term  disability  plan in  effect  for  employees  at the          Disability
 effective date,  "Disability" shall mean the absence of the Executive from the
Executive's duties with the Company          on a full-time  basis for 180 consecutive
 business days as a result of incapacity due to mental or physical  illness which is
         determined  to be total and permanent by a physician  selected by the Company or
its insurers and  acceptable to the Executive          or the Executive's legal
representative.

		         (b) 	Cause.
 The Company may terminate the Executive's  employment  during the Employment  Period for
Cause.  For purposes          of this Agreement, "Cause" shall mean:

		                  (i) 	the
willful and continued failure of the Executive to perform  substantially the Executive's
duties with the                   Company or one of its  affiliates to the extent,
 degree and level of  performance as provided in Section 2(a) (other
                  than any such failure  resulting  from  incapacity  due to physical or
mental  illness),  after a written  demand for                   substantial  performance
 is delivered to the Executive by the Company which  specifically  identifies  the manner
in                   which the Company  believes that the Executive has not
 substantially  performed  the  Executive's  duties,  and such                   failure
is not cured within 30 days (or such longer period as may be stated in the notice)
 following the date of the                   notice; or

		                  (ii) 	the
willful  engaging by the  Executive  in illegal  conduct or gross  misconduct  which is
 materially  and                   demonstrably injurious to the Company; or

		                  (iii) 	if
the Executive is or becomes  ineligible  to serve as an executive  officer of a publicly
 traded  company                   under any SEC or other governmental or administrative
body ruling, sanction or otherwise.

		 	 For purposes
 of this  provision,  no act or  failure  to act,  on the part of the  Executive,  shall
be  considered                   "willful" unless it is done, or omitted to be done, by
the Executive in bad faith or without  reasonable  belief that                   the
Executive's  action or omission was in the best interests of the Company.  Any act, or
failure to act, based upon                   authority  given  pursuant to a resolution
 duly adopted by the Board of  Directors or upon the  instructions  of the
                  Chairman,  the CEO of the Company or based upon the advice of counsel
for the Company shall be conclusively  presumed                   to be done,  or omitted
to be done,  by the  Executive in good faith and in the best  interests  of the Company.
 The                   cessation of employment  of the Executive  shall not be deemed to
be for Cause unless and until there shall have been                   delivered  to the
 Executive  a copy  of a  resolution  duly  adopted  by  the  affirmative  vote  of not
 less  than                   three-quarters  of the  entire  membership  of the Board at
a meeting of the Board  called and held for such  purpose                   (after
 reasonable  notice is provided to the  Executive  and the  Executive is given an
 opportunity,  together with                   counsel,  to be heard before the Board),
 finding  that,  in the good faith  opinion of the Board,  the  Executive is
                  guilty of the conduct described in subparagraph  (i), (ii) or (iii)
above, and specifying the particulars  thereof in                   detail.

		         (c) 	Good
Reason.  The  Executive's  employment  may be terminated by the Executive for Good
Reason.  For purposes of this          Agreement, "Good Reason" shall mean:

			

		                  (i) 	the
 assignment  of  the  Executive  to  a  position  in  which  the   Executive's
  authority,   duties  or                   responsibilities are materially diminished
from the authority,  duties or responsibilities as contemplated by Section
                  2(a) of this  Agreement,  or any other action by the Company or its
affiliated  companies which results in a material                   diminution  in such
 position,  authority,  duties or  responsibilities,  excluding  for this  purpose  an
 isolated,                   insubstantial  and  inadvertent  action not taken in bad
faith and which is remedied by the  Company  promptly  after                   receipt of
notice thereof given by the Executive;

		                  (ii) 	any
failure by the Company or its affiliated  companies to comply with any of the provisions
of Section 2(c)                   of this  Agreement,  other than an isolated,
 insubstantial  and  inadvertent  failure not occurring in bad faith and
                  which is remedied by the Company promptly after receipt of notice
thereof given by the Executive;

		                  (iii) 	the
 Company's  requiring  the  Executive  to be based at any office or  location  other than
as provided in                   Section 2(b) hereof;

		                  (iv) 	any
 purported  termination  by the  Company  of the  Executive's  employment  otherwise
 than as  expressly                   permitted by this Agreement;  or

		                  (v) 	any
failure by the Company to comply with and satisfy Section 9(c) of this Agreement.

		 	 For purposes
of this Section 3(c), any good faith determination of Good Reason made by the Executive
shall be conclusive.

		         (d) 	Notice
of  Termination.  Any  termination  by the Company for Cause,  or by the Executive  for
Good Reason,  shall be          communicated  by Notice of  Termination  to the other
party hereto given in accordance  with Section 10(b) of this  Agreement.          For
 purposes  of this  Agreement,  a  "Notice  of  Termination"  means a written  notice
 which (i)  indicates  the  specific          termination  provision in this  Agreement
 relied upon,  (ii) to the extent  applicable,  sets forth in reasonable  detail the
         facts and  circumstances  claimed to provide a basis for  termination  of the
 Executive's  employment  under the provision so          indicated,  and  (iii) if the
Date of  Termination  (as  defined  below) is other  than the date of  receipt  of such
 notice,          specifies the  termination  date (which date shall be not more than 30
days after the giving of such  notice).  The failure by          the  Executive  or the
Company to set forth in the Notice of  Termination  any fact or  circumstance  which
 contributes  to a          showing  of Good  Reason or Cause  shall not waive any right
of the  Executive  or the  Company,  respectively,  hereunder  or          preclude the
Executive or the Company,  respectively,  from asserting such fact or  circumstance  in
enforcing the Executive's          or the Company's rights hereunder.

		         (e) 	Date
of Termination.  "Date of Termination" means (i) if the Executive's  employment is
terminated by the Company for          Cause,  or by the  Executive for Good Reason,  the
date of receipt of the Notice of  Termination  or any later date  specified
         therein,  as the case may be,  (ii) if the  Executive's  employment  is
 terminated  by the  Company  other  than for Cause or          Disability,  the Date of
Termination  shall be the date on which the Company notifies the Executive of such
 termination,  and          (iii) if the  Executive's  employment is terminated by reason
of death or  Disability,  the Date of  Termination  shall be the          date of death
of the Executive or the Disability effective date, as the case may be.

4.
      Obligations of the Company upon Termination.

		         (a) 	Good
 Reason,  Other Than for Cause,  Death or  Disability.  If,  during the  Employment
 Period,  the Company  shall          terminate  the  Executive's  employment  other
 than for  Cause  or death or  Disability,  or the  Executive  shall  terminate
         employment for Good Reason:

		 (i) 	the Company shall pay to the Executive in a lump sum in cash within 30 days after the Date of Termination the aggregate of the following amounts:

		                           A. 	the
sum of (1) the  Executive's  Annual Base Salary  through the Date of  Termination to the
extent                            not  theretofore  paid, and (2) any  compensation
 previously  deferred by the Executive  (together with any
                           accrued interest or earnings  thereon) and any accrued
vacation pay payable per the standard vacation policy                            on
 termination,  in each case to the extent  not  theretofore  paid (the sum of the
 amounts  described  in                            clauses (1), and (2) shall be
hereinafter referred to as the "Accrued Obligations");  and

		                           B. 	the
amount  equal to the sum of (x) the  Executive's  Annual  Base  Salary and (y) the
 Executive's                            Target Bonus (the "Severance").  For purposes of
the preceding sentence,  the Executive's Target Bonus shall                            be
an amount equal to the average of the annual bonuses received by the Executive  pursuant
to the Company's                            Executive  Incentive  Compensation  Plan (or
any similar  future  bonus  program)  for the  preceding  three
                           years.

		                  (ii) 	all
stock  options,  restricted  stock or other equity  compensation  awarded to the
Executive by either the                   Parent or a successor by merger,  consolidation
 or  otherwise,  including,  but not limited to, all awards under the
                  HealthAxis Inc. 2005 Incentive Stock Plan (as now or hereafter  amended
and restated),  shall become 100% vested and,                   any stock options shall
be exercisable  for a period equal to thirty-six  (36) months after the  Executive's
 Date of                   Termination;

		                  (iii) 	for
twelve (12) months after the Executive's  Date of Termination,  or such longer period as
may be provided                   by the terms of the  appropriate  plan,  program,
 practice or policy,  the Company  shall  continue  benefits to the
                  Executive and/or the Executive's  family at least equal to those which
would have been provided to them in accordance                   with the plans,
 programs,  practices and policies described in Section 2(c)(iv) of this Agreement if the
Executive's                   employment  had not been  terminated  or, if more
 favorable  to the  Executive,  as in effect  generally at any time
                  thereafter  with respect to other peer  executives of the Company and
its  affiliated  companies and their  families,                   provided,  however,
 that if the  Executive  becomes  re-employed  with  another  employer and is eligible to
receive                   equivalent  medical or other welfare  benefits  under another
 employer  provided plan, the medical and other welfare                   benefits
 described  herein shall be secondary to those provided under such other plan during such
applicable  period                   of eligibility;

		                  (iv) 	the
Company shall, at its sole expense as incurred,  provide the Executive with outplacement
 services for a                   period of twelve (12) months, the provider of which
shall be selected by the Executive in her sole discretion;  and

		                  (v) 	to
the extent not  theretofore  paid or provided,  the Company  shall timely pay or provide
to the Executive                   any other  amounts or benefits  required to be paid or
provided or which the  Executive is eligible to receive  under                   any
plan,  program,  policy or practice or contract or agreement of the Company and its
 affiliated  companies  (such                   other amounts and benefits shall be
hereinafter referred to as the "Other Benefits").

		         (b) 	Death.
If the Executive's  employment is terminated by reason of the Executive's death during
the Employment  Period,          this Agreement shall terminate  without further
 obligations to the Executive's  legal  representatives  under this Agreement,
         other than for payment of Accrued  Obligations  and the timely  payment or
provision of Other  Benefits.  Accrued  Obligations          shall be paid to the
 Executive's  estate or beneficiary,  as applicable,  in a lump sum in cash within 30
days of the Date of          Termination.

		         (c) 	Disability.
 If the  Executive's  employment  is  terminated  by  reason of the  Executive's
 Disability  during  the          Employment  Period,  this Agreement shall terminate
 without further  obligations to the Executive,  other than for payment of
         Accrued  Obligations  and the  timely  payment  or  provision  of Other
 Benefits.  Accrued  Obligations  shall be paid to the          Executive in a lump sum
in cash within 30 days of the Date of  Termination.  With respect to the provision of
Other  Benefits,          the term Other  Benefits as  utilized in this  Section  4(c)
shall  include,  and the  Executive  shall be entitled  after the          Disability
 effective date to receive,  disability and other benefits at least equal to the most
favorable of those  generally          provided by the Company and its affiliated
 companies to disabled  executives  and/or their  families in accordance  with such
         plans,  programs,  practices and policies  relating to disability,  if any, as
in effect  generally with respect to other peer          executives and their families.

		         (d) 	Cause,
 Other  than for Good  Reason.  If the  Executive's  employment  shall be  terminated
 for  Cause  during  the          Employment  Period,  this Agreement shall terminate
without further  obligations to the Executive other than the obligation to          pay
to the Executive (x) the Accrued  Obligations,  (y) the amount of any compensation
 previously  deferred by the Executive,          and (z) Other Benefits,  in each case to
the extent theretofore  unpaid. If the Executive  voluntarily  terminates  employment
         during the  Employment  Period,  excluding a termination  for Good Reason,  this
Agreement  shall  terminate  without  further          obligations to the Executive,
 other than for Accrued  Obligations and the timely payment or provision of Other
 Benefits.  In          such  case,  all  Accrued  Obligations  shall be paid to the
 Executive  in a lump sum in cash  within  30 days of the Date of          Termination.

5.
      Non-exclusivity  of  Rights.  Nothing  in this  Agreement  shall  prevent  or
 limit  the  Executive's  continuing  or  future participation in any plan,  program,
 policy or practice  provided by the Company or any of its affiliated  companies and for
which the Executive may qualify,  nor,  subject to Section 10(f),  shall anything  herein
limit or otherwise  affect such rights as the Executive may have under any contract or
agreement  with the Company or any of its  affiliated  companies.  Amounts which are
vested  benefits or which the Executive is otherwise entitled to receive under any plan,
 policy,  practice or program of or any contract or agreement with the Company or any of
its  affiliated  companies at or subsequent to the Date of Termination  shall be payable
in accordance  with such plan, policy, practice or program or contract or agreement
except as explicitly modified by this Agreement.

6.       Full
 Settlement.  The Company's  obligation to make the payments  provided for in this
Agreement and otherwise to perform its obligations  hereunder shall not be affected by
any set-off,  counterclaim,  recoupment,  defense or other claim, right or action which
the  Company or any of its  affiliated  companies  may have  against  the  Executive  or
others.  In no event  shall the  Executive  be obligated to seek other  employment or
take any other action by way of mitigation of the amounts  payable to the Executive under
any of the provisions of this Agreement and,  except to the extent  provided in Section
 4(a)(iii)  hereof,  such amounts shall not be reduced whether or not the Executive
 obtains other  employment.  The Company agrees to pay as incurred,  to the full extent
 permitted by law, all legal fees and expenses which the Executive may  reasonably  incur
as a result of any contest  (regardless of the outcome  thereof) by the Company or any of
its affiliated  companies,  the Executive or others of the validity or enforceability
 of, or liability under, any provision of this Agreement or any guarantee of performance
 thereof  (including as a result of any contest by the Executive  about the amount of any
payment  pursuant to this  Agreement),  plus in each case interest on any delayed
 payment at the applicable  Federal rate provided for in Section 7872(f)(2)(A) of the
Code.

7.
      Certain Additional Payments by the Company.

	 	
         (a) 	
Anything
in this Agreement to the contrary  notwithstanding  and except as set forth below,  in
the event it shall be          determined  that any payment or  distribution  by the
Company to or for the benefit of the Executive  (whether paid or payable          or
distributed or  distributable  pursuant to the terms of this Agreement or otherwise,  but
determined  without regard to any          additional  payments  required under this
Section 7) (a "Payment")  would be subject to the excise tax imposed by Section 4999
         of the Code or any  interest or  penalties  are  incurred by the  Executive
 with respect to such excise tax (such excise tax,          together with any such
 interest and  penalties,  are  hereinafter  collectively  referred to as the "Excise
 Tax"),  then the          Executive  shall be entitled to receive an additional  payment
(a "Gross-Up  Payment") in an amount such that after payment by          the  Executive
 of all taxes  (including  any interest or penalties  imposed with respect to such
taxes),  including,  without          limitation,  any income taxes (and any interest and
 penalties  imposed with respect  thereto) and Excise Tax imposed upon the
         Gross-Up  Payment,  the  Executive  retains  an amount of the  Gross-Up  Payment
 equal to the  Excise  Tax  imposed  upon the          Payments.

	 	
         (b) 	
Subject
to the  provisions of Section 7(c),  all  determinations  required to be made under this
Section 7, including          whether and when a Gross-Up  Payment is required and the
amount of such Gross-Up  Payment and the  assumptions  to be utilized          in
arriving at such  determination,  shall be made by McGladrey & Pullen or such other
certified public accounting firm as may          be designated by the Executive  (the
 "Accounting  Firm") which shall provide  detailed  supporting  calculations  both to the
         Company and the Executive  within 15 business days of the receipt of notice from
the Executive  that there has been a Payment,          or such earlier time as is
requested  by the Company.  All fees and expenses of the  Accounting  Firm shall be borne
solely by          the Company.  Any Gross-Up  Payment,  as determined  pursuant to this
Section 7, shall be paid by the Company to the Executive          within five days of the
receipt of the Accounting  Firm's  determination.  Any  determination  by the Accounting
Firm shall be          binding upon the Company and the  Executive.  As a result of the
 uncertainty  in the  application of Section 4999 of the Code          at the time of the
initial  determination by the Accounting Firm hereunder,  it is possible that Gross-Up
 Payments which will          not have been made by the Company should have been made
 ("Underpayment"),  consistent  with the  calculations  required to be          made
 hereunder.  In the event that the Company  exhausts its remedies  pursuant to Section
7(c) and the Executive  thereafter          is required to make a payment of any Excise
Tax, the Accounting Firm shall determine the amount of the  Underpayment  that has
         occurred and any such Underpayment shall be promptly paid by the Company to or
for the benefit of the Executive.

	 	
         (c) 	
The
Executive  shall notify the Company in writing of any claim by the Internal  Revenue
Service that, if successful,          would require the payment by the Company of the
Gross-Up  Payment.  Such  notification  shall be given as soon as  practicable
         but no later than ten (10)  business  days after the  Executive  is  informed
 in writing of such claim and shall  apprise the          Company of the nature of such
claim and the date on which such claim is  requested  to be paid.  The  Executive  shall
not pay          such claim prior to the  expiration of the 30-day  period  following the
date on which it gives such notice to the Company (or          such  shorter  period
 ending on the date that any  payment  of taxes  with  respect  to such  claim is due).
 If the  Company          notifies  the  Executive  in writing  prior to the  expiration
 of such  period  that it desires to contest  such  claim,  the          Executive shall:

		 	                  (i) 	give
the Company any information reasonably requested by the Company relating to such claim,

		 	                  (ii) 	take
such action in  connection  with  contesting  such claim as the  Company  shall
 reasonably  request in                   writing from time to time, including,  without
limitation,  accepting legal representation with respect to such claim
                  by an attorney reasonably selected by the Company,

		 	                  (iii) 	cooperate
with the Company in good faith in order effectively to contest such claim, and

		 	                  (iv) 	permit
the Company to participate in any proceedings relating to such claim;

	 	 	
 provided, however,
 that the Company shall bear and pay directly all costs and expenses  (including
 additional  interest and          penalties)  incurred in connection  with such contest
and shall  indemnify and hold the  Executive  harmless,  on an after-tax          basis,
 for any Excise Tax or income tax (including  interest and penalties with respect
 thereto) imposed as a result of such          representation  and payment of costs and
expenses.  Without  limitation of the foregoing  provisions of this Section 7(c), the
         Company shall control all  proceedings  taken in  connection  with such contest
and, at its sole option,  may pursue or forego          any and all administrative
appeals,  proceedings,  hearings and conferences with the taxing authority in respect of
such claim          and may, at its sole option,  either  direct the Executive to pay the
tax claimed and sue for a refund or contest the claim in          any  permissible
 manner,  and the Executive  agrees to prosecute such contest to a  determination  before
any  administrative          tribunal,  in a court of initial  jurisdiction and in one or
more appellate courts, as the Company shall determine;  provided,          however,  that
if the Company  directs the  Executive to pay such claim and sue for a refund,  the
Company  shall  advance the          amount of such payment to the Executive,  on an
interest-free  basis and shall indemnify and hold the Executive  harmless,  on
         an after-tax  basis,  from any Excise Tax or income tax (including  interest or
penalties with respect  thereto)  imposed with          respect to such advance or with
respect to any imputed  income with respect to such  advance;  and further  provided
 that any          extension of the statute of  limitations  relating to payment of taxes
for the taxable year of the  Executive  with respect to          which such  contested
 amount is claimed to be due is limited  solely to such  contested  amount.  Furthermore,
 the Company's          control of the contest  shall be limited to issues with respect
to which a Gross-Up  Payment  would be payable  hereunder  and          the  Executive
 shall be entitled to settle or contest,  as the case may be, any other issue  raised by
the  Internal  Revenue          Service or any other taxing authority.

	 	
         (d) 	
If,
after the receipt by the Executive of an amount  advanced by the Company  pursuant to
Section 7(c), the Executive          becomes  entitled to receive any refund with respect
to such claim,  the Executive  shall (subject to the Company's  complying          with
the  requirements  of Section  7(c))  promptly pay to the Company the amount of such
refund  (together  with any interest          paid or credited  thereon after taxes
 applicable  thereto).  If, after the receipt by the Executive of an amount  advanced by
         the Company  pursuant to Section 7(c), a  determination  is made that the
 Executive  shall not be entitled to any refund with          respect  to such  claim and
the  Company  does not notify the  Executive  in writing of its intent to contest  such
 denial of          refund prior to the  expiration  of 30 days after such
 determination,  then such  advance  shall be forgiven and shall not be          required
to be repaid and the amount of such advance  shall  offset,  to the extent  thereof,  the
amount of Gross-Up  Payment          required to be paid.

8.
      Non-Compete, Confidential Information and Release.

	 	
         (a) 	
Covenant
Not to Compete.

		 	                  (i) 	Compliance
 with the  provisions  of this  Section 8 are an express  condition of the  Executive's
 right to                   receive  payments,  vesting,  and benefits  hereunder.  The
Executive  acknowledges  and recognizes the  confidential                   information
and records  provided by the Company,  the Parent,  and its  subsidiaries,  affiliates,
 successors,  and                   assigns  (collectively,  the  "Employer"),  the
 benefits  provided  hereunder,  and the  professional  training  and
                  experience  he will  receive  from and the  contacts  he will be
 provided  by the  Employer,  as well as the  highly                   competitive
 nature of the Employer's  business,  and in  consideration  of all of the above,  agrees
that during the                   period  beginning on the effective date of the
Executive's  termination of employment with the Employer (the "Date of
                  Termination") and ending twelve (12) months thereafter (the "Covered
Time"),  the Executive will not compete with the                   business of the
Employer.  For purposes hereof,  "competition"  shall mean any engaging,  directly or
indirectly,  in                   the "Covered  Business" (as hereinafter  defined) in
any state of the United States of America or any nation in which                   the
 Employer is  conducting  business as of the Date of  Termination  (the  "Covered
 Area").  For  purposes of this                   Agreement,  "Covered  Business" shall
mean providing any services similar in scope or nature to the services provided
                  by the Executive  immediately  prior to her Date of  Termination  for
an entity that competes with the Company or its                   Parent or subsidiary
 entities  with respect to their primary lines of business.  For purposes of this Section
8, the                   phrase  "engaging,  directly  or  indirectly"  shall  mean
 engaging  directly  or having an  interest,  directly  or                   indirectly,
 as  owner,  partner,  shareholder,  agent,  representative,  employee,  officer,
 director,  independent                   contractor,  capital investor,  lender,
 renderer of consultation  services or advice or otherwise (other than as the
                  holder of less than 2% of the outstanding  stock of a  publicly-traded
 corporation),  either alone or in association                   with  others,  in the
 operation  of any aspect of any type of  business or  enterprise  engaged in any aspect
of the                   Covered Business.

		 	                  (ii) 	The
Executive agrees that during the term of this Agreement  (including any extensions
 thereof) and for the                   twenty-four (24) months  thereafter,  she shall
not  (i) directly or indirectly  solicit or attempt to solicit any of
                  the employees,  agents, consultants, or representatives of the Employer
or affiliates of the Employer to leave any of                   such  entities;  or (ii)
 directly  or  indirectly  solicit  or  attempt to  solicit  any of the  employees,
 agents,                   consultants  or  representatives  of the  Employer  or
 affiliates  of the  Employer  to  become  employees,  agents,
                  representatives or consultants of any other person or entity.

		 	                  (iii) 	The
Executive  understands that the provisions of Sections 8(a)(i)  and (ii) may limit her
ability to earn a                   livelihood  in a business  similar to the business of
the Employer but  nevertheless  agrees and hereby  acknowledges                   that
the restrictions and limitations thereof are reasonable in scope, area, and duration,
 are reasonably  necessary                   to protect the goodwill and  business
 interests of the  Employer,  and that the  consideration  provided  under this
                  Agreement is sufficient to justify the  restrictions  contained in such
 provisions.  Accordingly,  in  consideration                   thereof and in light of
the  Executive's  education,  skills and  abilities,  the  Executive  agrees that he will
not                   assert that,  and it should not be considered  that,  such
 provisions  are either  unreasonable  in scope,  area, or                   duration,
 or will prevent him from earning a living, or otherwise are void, voidable,  or
unenforceable or should be                   voided or held unenforceable.

	 	
         (b) 	
Enforcement.

	 		                  (i) 	The
parties hereto agree and acknowledge  that the covenants and agreements  contained herein
are reasonable                   in scope, area, and duration and necessary to protect
the reasonable  competitive business interests of the Employer,
                  including, without limitation, the value of the proprietary information
and goodwill of the Employer.

		 	                  (ii) 	The
Executive agrees that the covenants and undertakings  contained in Section 8 of this
Agreement relate to                   matters which are of a special,  unique and
 extraordinary  character  and that the Employer  cannot be reasonably or
                  adequately  compensated in damages in an action at law in the event the
Executive  breaches any of these covenants or                   undertakings.  Therefore,
 the Executive agrees that the Employer shall be entitled,  as a matter of course,
 without                   the need to prove irreparable  injury,  to an injunction,
 restraining order or other equitable relief from any court                   of
competent  jurisdiction,  restraining any violation or threatened  violation of any of
such terms by the Executive                   and such other  persons as the court shall
order.  The  Executive  agrees to pay costs and legal fees incurred by the
                  Employer in obtaining such injunction.

		 	                  (iii) 	Rights
and remedies  provided for in this Section 8(b) are cumulative and shall be in addition
to rights and                   remedies otherwise available to the parties under any
other agreement or applicable law.

		 	                  (iv) 	In
the event that any  provision of this  Agreement  shall to any extent be held  invalid,
 unreasonable  or                   unenforceable  in any  circumstances,  the  parties
 hereto  agree  that  the  remainder  of this  Agreement  and the
                  application of such provision of this Agreement to other  circumstances
shall be valid and enforceable to the fullest                   extent  permitted by law.
If any  provision  of this  Agreement,  or any part  thereof,  is held to be
 unenforceable                   because of the scope or duration of or the area covered
by such  provision,  the parties  hereto agree that the court                   or
arbitrator  making such  determination  shall reduce the scope,  duration and/or area of
such provision (and shall                   substitute appropriate provisions for any
such unenforceable  provisions) in order to make such provision enforceable
                  to the fullest extent permitted by law, and/or shall delete specific
words and phrases,  and such modified  provision                   shall then be
enforceable and shall be enforced.  The parties hereto  recognize that if, in any
judicial  proceeding,                   a court shall refuse to enforce any of the
separate  covenants  contained in this Agreement,  then that unenforceable
                  covenant  contained in this Agreement  shall be deemed  eliminated from
these  provisions to the extent  necessary to                   permit the remaining
 separate  covenants to be enforced.  In the event that any court or arbitrator
 determines that                   the  time  period  or the  area,  or  both,  are
 unreasonable  and  that  any of the  covenants  is to  that  extent
                  unenforceable,  the parties  hereto agree that such covenants  will
remain in full force and effect,  first,  for the                   greatest time period,
and second, in the greatest geographical area that would not render them unenforceable.

		 	                  (v) 	In
the event of the  Executive's  breach of this Section 8, in addition to all other rights
the Employer may                   have hereunder or in law or in equity,  all payments
and benefits  hereunder  shall cease;  all options,  stock,  and                   other
 securities  granted by the Employer,  including  stock obtained  through prior  exercise
of options,  shall be                   immediately  forfeited  (whether or not vested),
 and the original  purchase  price, if any, shall be returned to the
                  Executive;  and all profits  received  through  exercise of options or
sale of stock,  and all previous  payments and                   benefits made or
provided hereunder shall be promptly returned and repaid to the Company.

	 	
         (c) 	
 Confidential
 Information.  The  Executive  shall hold in a  fiduciary  capacity  for the  benefit of
the Company all          secret or confidential  information,  knowledge or data relating
to the Company or any of its affiliated companies,  and their          respective
 businesses,  which shall have been obtained by the Executive  during the Executive's
 employment by the Company or          any of its  affiliated  companies  and which shall
not be or become public  knowledge  (other than by acts by the Executive or
         representatives  of the Executive in violation of this Agreement).  After
 termination of the Executive's  employment with the          Company,  the Executive
shall not,  without the prior written consent of the Company or as may otherwise be
required by law or          legal  process,  communicate  or divulge any such
 information,  knowledge  or data to anyone other than the Company and those
         designated  by it. In no event shall an asserted  violation of the  provisions
 of this  Section  8(c)  constitute a basis for          deferring or withholding any
amounts otherwise payable to the Executive under this Agreement.

		         (d) 	Release.
 The Executive's  execution of a complete and general release of any and all of her
potential  claims (other          than for vested  benefits  described in this Agreement
or any other vested  benefits with the Company  and/or its  affiliates)          against
the Company, any of its affiliated  companies,  and their respective successors and any
officers,  employees,  agents,          directors,  attorneys,  insurers,  underwriters,
 and assigns of the Company, its affiliates and/or successors,  is an express
         condition of the Executive's right to receive Severance  payments,  vesting,
 and benefits  hereunder.  The Executive shall be          required to execute a Waiver
and Release  Agreement which documents the release  required under this Section 8(d), the
form of          which shall be provided to the Executive by Company.

9.
      Successors.

		
         (a) 	
This
 Agreement  is personal to the  Executive  and without  the prior  written  consent of
the Company  shall not be          assignable by the Executive  otherwise than by will or
the laws of descent and  distribution.  This  Agreement  shall inure to          the
benefit of and be enforceable by the Executive's legal representatives.

		
         (b) 	
This
Agreement shall inure to the benefit of and be binding upon the Company and its
successors and assigns.

		
         (c) 	
The
Company will require any successor (whether direct or indirect, by purchase, merger,
 consolidation or otherwise)          to all or  substantially  all of the business
and/or assets of the Company and/or the Parent to assume  expressly and agree to
         perform this  Agreement in the same manner and to the same extent that the
Company  would be required to perform it if no such          succession  had taken place.
 As used in this  Agreement,  "Company"  shall mean the Company as  hereinbefore  defined
and any          successor to its business  and/or assets as aforesaid  which assumes and
agrees to perform this Agreement by operation of law,          or otherwise.

10.
     Miscellaneous.

		
         (a) 	
This
 Agreement  shall be  governed  by and  construed  in  accordance  with the laws of the
State of Texas,  without          reference to principles of conflict of laws. The
captions of this  Agreement are not part of the  provisions  hereof and shall
         have no force or effect.  This  Agreement may not be amended or modified
 otherwise  than by a written  agreement  executed by          the parties hereto or
their respective successors and legal representatives.

		
         (b) 	
All
notices and other  communications  hereunder shall be in writing and shall be given by
hand delivery to the other          party or by registered or certified mail, return
receipt requested, postage prepaid, addressed as follows:

		 	 	IF TO THE EXECUTIVE:

		 	 	 
		 	 	Roxanne Seale
		 	 	 At her current primary residence address as shown in the Healthaxis human resources records as of the date of the notice
		 	 	 
		 	 	 
		 	 	IF TO THE COMPANY:
		 	 	HEALTHAXIS, LTD. 

    7301 North State Highway 161, Suite 300

    Irving, Texas 75039 

                 Attention: Chief Executive Officer
		 	 	 
		 	 	 
		 	 	WITH COPY TO:
		 	 	 
		 	 	HEALTHAXIS, INC. 

    7301 North State Highway 161, Suite 300

    Irving, Texas 75039

              Attention: General Counsel
		 	 	 

	 	 	
 or to
such other address as either party shall have furnished to the other in writing in
accordance herewith.  Notice and          communications shall be effective when actually
received by the addressee.

	 	
         (c) 	
The
 invalidity  or  unenforceability  of  any  provision  of  this  Agreement  shall  not
 affect  the  validity  or          enforceability of any other provision of this
Agreement.

	 	
         (d) 	
The
Company may withhold from any amounts  payable under this Agreement such Federal,  state,
 local or foreign taxes          as shall be required to be withheld pursuant to any
applicable law or regulation.

	 	
         (e) 	
The
 Executive's or the Company's  failure to insist upon strict  compliance  with any
provision of this Agreement or          the failure to assert any right the Executive or
the Company may have hereunder,  including,  without limitation, the right of
         the Executive to terminate  employment for Good Reason pursuant to this
Agreement,  shall not be deemed to be a waiver of such          provision or right or any
other provision or right of this Agreement.

	 	
         (f) 	
The
 Executive  and the  Company  acknowledge  that,  except as may  otherwise  be provided
 under any other  written          agreement  between the  Executive  and the Company,
 the  employment  of the  Executive by the Company is "at will".  From and          after
the Effective Date,  this Agreement shall supersede any other agreement  between the
parties with respect to the subject          matter hereof.

IN WITNESS
 WHEREOF,  the  Executive  has  hereunto  set the  Executive's  hand and,  pursuant to
the  authorization  from its Board of Managers,  the Company  has caused  these  presents
 to be  executed in its name on its behalf,  all as of the day and year first above
written.

	 	EXECUTIVE:
	 	 	 
	 	 	 
	 	/s/ Roxanne Seale
      

    Roxanne Seale
	 	 	 
	 	 	 
	 	HEALTHAXIS, LTD.
	 	 
	 	By Its General Partner,

    HEALTHAXIS MANAGING PARTNER, LLC
	 	 	 
	 	By:  	/s/ John Carradine 
	 	 	

	 	Its:  	President & CEO

The
Board of Directors of  HEALTHAXIS,  INC.  (the Parent) has  authorized  the  undersigned
 officer to execute the foregoing Employment Agreement in order to indicate its approval
of such Agreement.

	 	 
	 	HEALTHAXIS, INC.
	 	 
	 	 	 
	 	By:  	/s/ J Brent WebbExhibit-10.6

Exhibit 10.6

RESTRICTED
STOCK AWARD FOR OFFICERS                                                           AND
OTHER EMPLOYEES

	
To: 	
___________________

         ___________________   
       ___________________

Date of Grant:
 ___________________

You
are hereby issued,  effective as of the date hereof,  __________ shares of restricted
common stock,  $0.10 par value per share ("Common Stock"), of HealthAxis Inc., a
Pennsylvania  corporation (the "Company"),  pursuant to the Company's 2005 Stock
Incentive Plan (the "Plan").

Your
restricted Common Stock,  subject to the other terms and conditions set forth herein,
 shall become vested in accordance with the following schedule:

	Vesting Date
	Cumulative Percentage of Stock Vested

 

 

In
addition,  all of the shares of  restricted  Common Stock shall become vested in the
event of a Change of Control while you are employed by the Company.  Upon  termination
 of your  employment,  any shares of restricted  Common Stock that have not vested shall
be forfeited to the Company without consideration, subject to Sections 10.1 through 10.5
of the Plan.

If
you are employed by a Company subsidiary corporation or other affiliate,  your employment
shall be deemed to have terminated on the date your employer  ceases to be a Company
 subsidiary  corporation  or affiliate,  unless you are on that date  transferred to the
Company or another  Company  subsidiary  corporation or affiliate.  Your  employment
 shall not be deemed to have terminated if you are transferred  from the Company to a
Company  subsidiary  corporation or other affiliate,  or vice versa, or from one Company
 subsidiary corporation or affiliate to another Company subsidiary corporation or
affiliate.

At
the election of the Company,  all  original  certificates  evidencing  shares of
 restricted  Common Stock shall be held by the Company for your  benefit  until when the
 transfer of such shares are no longer  subject to the  restrictions  set out in the Plan
and this award agreement.  You shall be entitled to current payment of any dividends
declared with respect to the restricted Common Stock.

Within
30 days after the date of this award  agreement,  you may make an election with the
Internal  Revenue Service under Section 83(b) of the Internal  Revenue Code and the
 regulations  promulgated  thereunder.  The parties  agree that for such  purposes the
fair market value of the restricted Common Stock on the issue date is equal to $____  per
share.

All
shares of restricted Common Stock granted hereunder shall not be sold, assigned,
transferred,  pledged or otherwise encumbered unless and until the shares proposed to be
sold or transferred are vested.

The
certificate(s)  representing the shares of restricted Common Stock granted hereby will be
stamped or otherwise  imprinted with the legend  required by the Plan with respect to any
 applicable  restrictions  on the sale or transfer of such  shares,  and the stock
transfer records of the Company will reflect stop transfer instructions with respect to
such shares.

Nothing
 herein shall modify your status as an at-will  employee of the Company or the terms of
any employment  agreement  between you and the Company (if  applicable).  Further,
 nothing herein  guarantees you employment for any specified period of time. This means
that either you or the Company may  terminate  your  employment at any time for any
reason,  or no reason,  subject to the terms of any employment  agreement  between  you
and the  Company (if  applicable).  You  recognize  that,  for  instance,  you may
 terminate  your employment or the Company may terminate your employment prior to the
date on which your restricted Common Stock becomes vested.

Any
dispute or  disagreement  between  you and the  Company  with  respect to any  portion of
this  restricted  stock award or its validity,  construction,  meaning,  performance  or
your  rights  hereunder  shall be settled by  arbitration  in  accordance  with the
Commercial  Arbitration Rules of the American Arbitration  Association or its successor,
 as amended from time to time. However,  prior to submission to arbitration  you will
attempt to resolve any disputes or  disagreements  with the Company over this award
amicably and informally,  in good  faith,  for a period not to exceed two weeks.
 Thereafter,  the  dispute or  disagreement  will be  submitted  to arbitration.  At any
time prior to a decision from the  arbitrator(s)  being  rendered,  you and the Company
may resolve the dispute by settlement.  You and the Company shall equally share the costs
charged by the American  Arbitration  Association or its successor,  but you and the
Company shall  otherwise be solely  responsible  for your own  respective  counsel fees
and  expenses.  The decision of the arbitrator(s)  shall be made in writing,  setting
forth the award, if any, the reasons for the decision and award, if any, and shall be
binding and  conclusive  on you and the Company.  Further,  neither you nor the Company
shall appeal any such award,  if any.  Judgment of a court of competent  jurisdiction
 may be entered upon the award and may be enforced as such in accordance  with the
 provisions of the award.

This
 restricted  stock  award  shall be subject  to the terms of the Plan in effect on the
date the  restricted  Common  Stock is issued,  which terms are hereby  incorporated
 herein by  reference  and made a part hereof.  In the event of any conflict  between the
terms of this award and the terms of the Plan in effect on the issue date,  the terms of
the Plan shall  govern.  This award  agreement and the Plan  constitute  the entire
 understanding  between  the  Company and you with  respect to the  subject  matter
 hereof and no amendment,  supplement or waiver of this award agreement,  in whole or in
part, shall be binding upon the Company unless in writing and signed by the  President of
the Company.  This award  agreement and the  performances  of the parties  hereunder
 shall be construed in accordance with and governed by the laws of the Commonwealth of
Pennsylvania.

You
agree  that you are  acquiring  the  restricted  Common  Stock for  investment  purposes
 and not with a view to the resale or distribution  thereof;  that the  Company may
 withhold  from you any tax which the  Company  believes is required to be withheld  with
respect to any benefit  under the Plan or this award  agreement,  and to hold as security
 for the amount to be withheld  any  property otherwise  distributable to you under the
Plan until the amounts required to be withheld have been so withheld;  and that you will
make appropriate  arrangements  with the  Company  for  satisfaction  of any  applicable
 federal,  state or local  income  tax  withholding requirements or like requirements.

If
you become obligated to return all or a portion of your shares of restricted  Common
Stock to the Company due to a cancellation or forfeiture of such shares pursuant to this
award  agreement,  and you fail to deliver the certificates  representing  such shares in
accordance  with the terms of this award  agreement,  the Company  may, at its option,
 in addition to all other  remedies it may have, send to you,  to the  address  listed
 on the  books of the  Company,  written  notice  and  thereupon  shall  cancel  on its
books the certificates  representing  the shares to be  returned  to the  Company.
 Thereupon,  all of your  rights in and to said  shares  shall terminate.  The Company
 shall not be obligated to give notice to any holder of shares of  restricted  Common
Stock if such holder does not appear on the stock transfer ledger of the Company as the
registered holder of such shares.

	 	HEALTHAXIS INC.
	 	 	 
	 	By:  	 
	 	 	

 

 

By
my signature  below, I acknowledge  that I have received a copy of the Company's 2005
Stock  Incentive Plan, and I have had an opportunity to review the Award and the federal
income tax consequences thereof with a tax advisor of my choosing.

	 	EMPLOYEE

      
	 	 	 
	 	Name:  	 
	 	 	

	 	Signature:

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