Document:

EXHIBIT 10.4

                                   TERM SHEET
                                      FOR
                         TRANSITION SERVICES AGREEMENT

Parties

Aetna (or an Affiliate) and Spinco (or an Affiliate)

Definitions

Capitalized terms used without definition in this Term Sheet have the
respective meanings assigned to them in the Distribution Agreement.

Terms and Conditions

1.   Spinco-Provided Services.

     A.   Information Technology, Computing and Telecommunication Services.
          Spinco shall provide to the Aetna Group the following information
          technology, computing and telecommunications services ("IT
          Services"): (i) the services set forth on Schedule 1A, as such may be
          amended by the parties; (ii) any other IT Services that (a) the Aetna
          Business, as conducted in the ordinary course prior to the
          Distribution Date, received in whole or part from the Spinco Group or
          in reliance upon or in connection with the Spinco Assets (but, in the
          case of a service provided only in part by the Spinco Group, only to
          the extent such service was provided in the ordinary course prior to
          the Distribution Date by the Spinco Group), (b) are identified in
          writing by Aetna to Spinco within forty-five (45) calendar days
          following the Distribution Date and (c) are reasonably needed in
          order to conduct the operations of the Aetna Business, as conducted
          in the ordinary course prior to the Distribution Date, and the
          reasonable growth thereof, consistent with the historical provision
          of such services and the other terms of the TSA, or otherwise upon
          pricing and other terms and conditions reasonably acceptable to
          Spinco and Aetna; and (iii) reasonable additional incidental IT
          Services as Aetna needs to conduct its business, as conducted in the
          ordinary course prior to the Distribution Date, and the reasonable
          growth therof, provided, that such IT Services (a) were provided by
          Spinco to Aetna in the ordinary course prior to the Distribution Date
          and (b) are provided upon pricing and other terms and consistent with
          the historical provision of such services and the other terms of the
          TSA as agreed upon by the parties.

     B.   Other Transition Services. Spinco shall provide to the Aetna Group the
          following services (together with the IT Services, the
          "Spinco-Provided Services"): (i) the services set forth on Schedule
          1B, as such may be amended by the parties; (ii) any other services
          that (a) the Aetna Business, as conducted in the ordinary course prior
          to the Distribution Date, received in whole or part from the Spinco
          Group or in reliance upon or in connection with the Spinco Assets
          (but, in the case of a service

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          provided only in part by the Spinco Group, only to the extent such
          service was provided in the ordinary course prior to the Distribution
          Date by the Spinco Group), (b) are identified in writing by Aetna to
          Spinco within forty-five (45) calendar days following the Distribution
          Date and (c) are reasonably needed in order to conduct the operations
          of the Aetna Business, as conducted in the ordinary course prior to
          the Distribution Date, and the reasonable growth thereof, consistent
          with the historical provision of such services and the other terms of
          the TSA, or otherwise upon pricing and other terms and conditions
          reasonably acceptable to Spinco and Aetna; and (iii) reasonable
          additional incidental services as Aetna needs to conduct its business,
          as conducted in the ordinary course prior to the Distribution Date,
          and the reasonable growth thereof; provided, that such Services (a)
          were provided by Spinco to Aetna to in the ordinary course prior to
          the Distribution Date and (b) are provided upon pricing and other
          terms and consistent with the historical provision of such services
          and the other terms of the TSA as agreed upon by the parties.

2.   Aetna-Provided Services. Aetna shall provide to the Spinco Group the
     following services (the "Aetna-Provided Services" and, together with the
     Spinco-Provided Services, the "Services"): (A) the services set forth on
     Schedule 2, as such may be amended by the parties; (B) any other services
     that (i) the Spinco Group, as conducted in the ordinary course prior to
     the Distribution Date, received in whole or part from the Aetna Group or
     in reliance upon or in connection with the Aetna Assets (but, in the case
     of a service provided only in part by the Aetna Group, only to the extent
     such service was provided in the ordinary course prior to the Distribution
     Date by the Aetna Group), (ii) are identified in writing by Spinco to
     Aetna within forty-five (45) calendar days following the Distribution Date
     and (iii) are reasonably needed in order to conduct the operations of the
     business of the Spinco Group, as conducted in the ordinary course prior to
     the Distribution Date, and the reasonable growth thereof, and otherwise
     upon pricing and other terms and consistent with the historical provision
     of such services and the other terms of the TSA, or conditions reasonably
     acceptable to Spinco and Aetna; and (C) reasonable additional incidental
     services as Spinco needs to conduct its business, as conducted in the
     ordinary course prior to the Distribution Date, and the reasonable growth
     thereof; provided, that such Services (i) were provided by Aetna to Spinco
     in the ordinary course prior to the Distribution Date and (ii) are
     provided upon pricing and other terms and consistent with the historical
     provision of such services and the other terms of the TSA as agreed upon
     by the parties.
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3.   Term.

     A.   The period during which any Service is being provided by Spinco or
          Aetna shall be referred to as the "Transition Period" for such
          Service. The party providing a Service shall be referred to as the
          "Service Provider", and the party for whose benefit the Service is
          provided the "Service Recipient". Subject to Section 2B, below, the
          Service Provider will provide each Service for the period specified in
          the applicable Schedule or, if no time period is specified, then for a
          period not to exceed twelve (12) months after the Distribution Date.
          The Transition Period for any Service may be modified by mutual
          consent of Spinco and Aetna.

     B.   Notwithstanding anything to the contrary in Section 2A, above, the
          Transition Period shall be deemed to be extended, as and for the
          period needed but in any event not to exceed six (6) months, on
          account of: (i) a requirement by a Governmental Entity; (ii) at the
          discretion of the non-breaching party, any failure by Aetna or
          Spinco, as the case may be, to perform any action required on its
          part under the TSA, including any Schedules thereto, but only to the
          extent of such failure; or (iii) the inability of the Parties to
          achieve the timetables set forth in an applicable Conversion Plan,
          after applying reasonable best efforts; provided, that to the extent
          the Transition Period is extended pursuant to clause (i) or (iii), in
          addition to the amounts otherwise due pursuant to Section 4 of the
          TSA the Service Recipient shall pay all costs actually incurred by
          reason of the extension including, without limitation, incremental
          software licensing costs. The Service Provider shall make
          commercially reasonable efforts (which shall not require it to incur
          any out of pocket costs) to minimize the costs referred to in the
          preceding sentence.

     C.   The Service Recipient, may, without cause, upon sixty (60) calendar
          days written notice terminate the purchase of any or all Services;
          provided that any partial termination of Services shall be of a
          category of Services as specified in a line item in any Schedule to
          Section 1 or 2, or as otherwise agreed to by Spinco and Aetna; and
          provided, that the Service Recipient shall pay for all expenses
          (other than the Service Provider's internal costs) incurred as a
          result of such early termination of Services. If the Service
          Recipient elects to terminate the purchase of less than all Services,
          the Service Provider shall continue to be obligated to provide the
          remaining Services.

     D.   Spinco and Aetna shall work in good faith and in a commercially
          reasonable fashion to eliminate the Service Recipient's need to
          receive the Services from the Service Provider. Spinco and Aetna each
          acknowledge that mutual efforts will be needed in order to enable the
          Service Recipient to conduct its business in the ordinary course
          without receiving the Services from the Service Provider. The parties
          will employ reasonable best efforts so that by the Distribution Date,
          and in any event not later than forty-five (45) calendar days
          following the Distribution Date (or within forty-five (45) calendar
          days following identification of additional Services under Section 1
          or 2, as applicable), Spinco and Aetna shall jointly submit to the
          Operating Committee (as defined below) one or more plans (each a
          "Conversion Plan") for eliminating the need for each Service. Spinco
          and Aetna thereafter may jointly amend a Conversion Plan, which
          amended plan shall become the operative
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          Conversion Plan when it is transmitted to the Operating Committee.
          Each Conversion Plan shall state in reasonable detail the actions and
          performance schedule required of the Service Provider and Service
          Recipient. Each Conversion Plan shall specify a target date for
          completing all actions needed to allow the Service Recipient to
          conduct its business in the ordinary course without receiving from the
          Service Provider the Services that are the subject of such Conversion
          Plan.

4.   Pricing/Sales Tax.

     A.   Pricing of Services. For each period in which it receives a Service,
          the Service Recipient shall pay the Service Provider its actual
          out-of-pocket cost for such Service, including a proportionate share
          of its overhead (if applicable), computed in accordance with internal
          charge-back methodologies historically used by the Service Provider
          (but excluding profit), or, to the extent the pricing for such
          service is specified on a Schedule to the TSA, the amount specified
          in or calculated in accordance with the method applicable to such
          Service in the applicable Schedule. For any Service priced on a
          monthly basis, the monthly charge will be equitably prorated if the
          Distribution Date or the date on which a Service is terminated is not
          the first calendar day or the last calendar day, respectively, of a
          calendar month. Notwithstanding the foregoing, in no event shall the
          amount paid by the Service Recipient to the Service Provider in
          respect of a Service be less than the Service Provider's actual
          out-of-pocket cost attributable to the provision of such Service
          calculated in accordance with the method applicable to such Service
          in the applicable Schedule. It is the intent of the parties to the
          TSA that no party thereto shall realize a gain or loss as a result of
          the provision or receipt of the Services under the TSA.

     B.   Sales Tax.

          (i)  For state and local sales tax purposes, Spinco and Aetna will
               cooperate in good faith to segregate amounts payable under the
               Transition Services Agreement (the "TSA") into the following
               categories: (a) taxable Services; (b) non-taxable Services; and
               (c) payments made by Spinco or Aetna, as applicable, merely as a
               payment agent for the Service Recipient in procuring goods,
               supplies or Services that otherwise are non-taxable or that have
               previously been subject to sales tax.

          (ii) The Service Provider shall collect from the Service Recipient
               all state and local sales tax and shall timely remit such taxes
               to the appropriate state and local tax authorities. The Service
               Recipient shall pay such taxes to the Service Provider
               monthly, or as otherwise required by the Service Provider. The
               Service Provider shall be responsible for any interest or
               penalties imposed as a result of its failure to timely collect
               and remit taxes. The Service Recipient shall be responsible for
               any additional taxes, interest or penalties imposed as a result
               of a sales tax audit by any taxing authority.

         (iii) Within thirty (30) calendar days of receiving notification of
               the commencement of any sale or use tax audit by a taxing
               authority which involves any Services provided hereunder or any
               purchases made as purchasing agent pursuant hereto, the Service
               Provider or the Service Recipient, as applicable (hereinafter,
               the
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               "Affected Party") shall notify the other party (hereinafter, the
               "Other Party") of such audit. Thereafter, the Affected Party
               shall take reasonable steps to keep the Other Party informed of
               the progress of any such audit. The Other Party shall have the
               right (but not the duty) to participate in any proceeding brought
               by the Affected Party to contest sales or use tax liability, and
               shall have the right to retain tax advisers or counsel at its own
               expense.

5.   Other Service Specifications.

     A.   Volume. The Service Provider shall cause the Services to be made
          available at levels sufficient to permit operation of the businesses
          or functions to which such Services relate consistent with the
          ordinary volume and other aspects of such businesses or functions in
          the twelve (12) months prior to the Distribution Date as well as a
          reasonable level of growth in the Service Recipient's operations but
          excluding (i) the addition of any products or product features not
          being offered by the Service Recipient on the Distribution Date,
          except that the Service Recipient may add products or features in an
          amount and manner consistent with its ordinary operations (including,
          without limitation, normal business introduction cycles) during the
          twelve (12) months prior to the Distribution Date; and (ii) volumes
          associated with any entity that is not an Existing Affiliate.

     B.   Service Levels; Cures; Remedies Upon Default

          (i)  Except to the extent otherwise expressly provided in any Schedule
               to the TSA, the service levels for any Services shall be
               equivalent to those provided to the Service Provider's ongoing
               operations or, if the Service Provider and Service Recipient do
               not have comparable operations with respect to a Service, then
               the service level shall be equivalent to the standards provided
               to the Service Recipient for the twelve (12) months prior to the
               Distribution Date. The TSA shall contain appropriate
               representations by each Service Provider as to such levels of
               service, which shall be fully specified in schedules to the TSA.
               Compliance with such service level standards shall be contingent
               upon receipt by the Service Provider of all information
               reasonably required from the Service Recipient in order for the
               Service Provider to render such Service.

          (ii) If the Service Recipient becomes aware of a material deficiency
               in the Service Provider's performance (a "Service Level
               Breach"), the Service Recipient may deliver a written notice
               thereof to the Service Provider. Upon receipt of such notice,
               the Service Provider shall use its reasonable best efforts to
               remedy the Service Level Breach as soon as reasonably possible.
               For any Service that a schedule to the TSA identifies as
               critical to the Service Recipient's operations (a "Critical
               Operation" with respect to such Service), if the Service Level
               Breach is not (or the Operating Committee determines that in all
               probability such Service Level Breach will not be) remedied
               within a reasonable period of time, then the Service Recipient
               may outsource the provision of such Service to a third party and
               the Service Provider shall reimburse the Service Recipient for
               any increase in the cost of such Service (offset by any amounts
               that, absent such

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               breach, the Service Recipient would have paid pursuant to the
               applicable Conversion Plan). For each Critical Service, the
               applicable schedule to the TSA shall define a Service Level
               Breach in reasonable detail. The remedy specified above in this
               clause (ii) shall be in addition to the remedies otherwise
               specified herein.

         (iii) (a)  Except to the extent that a schedule to the TSA specifies a
                    different period, if the Service Provider fails to cure a
                    Service Level Breach within thirty (30) calendar days (or
                    such shorter period as the Operating Committee may
                    determine is appropriate as to a particular service, taking
                    into account the importance of such Service to the Service
                    Recipient's operations) after receipt of written notice
                    thereof, the Service Provider shall forfeit (and, if
                    previously collected from the Service Recipient, refund)
                    the fees or charges otherwise due with respect to such
                    Service from the date that the Service Level Breach
                    commenced, and the Service Level Provider shall not be
                    entitled to collect fees with respect to such Service until
                    it has cured such Service Level Breach; or

               (b)  If a Service Level Breach causes an immediate and
                    significant harm to the Service Recipient (including,
                    without limitation, significant adverse publicity, customer
                    dissatisfaction or monetary loss), then the Service
                    Recipient shall be entitled to such equitable remedy as may
                    be determined by the Operating Committee, which remedy may
                    include a forfeiture or refund of fees otherwise payable for
                    such Service or actual costs incurred or actual damages
                    suffered by the Service Recipient as a result of such
                    breach.

     C.   Personnel. At the Service Provider's sole expense, the Service
          Provider will employ and retain staff, and contract with third party
          subcontractors and other vendors, with a level of experience, skill,
          diligence and expertise, consistent with the Service Provider's
          normal business practices, needed to perform the Services the Service
          Provider is obligated to perform. The delegation of performance to a
          subcontractor shall not relieve the Service Provider of any of its
          duties or obligations under the TSA. Except with the prior written
          consent of the Service Recipient (which shall not be unreasonably
          withheld), the Service Provider shall not contract with a third party
          subcontractor for a Service if (i) the Service Provider is providing
          such solely for the benefit of the Service Recipient; and (ii) the
          anticipated aggregate fees for the portion of the Service being
          subcontracted exceeds Fifty Thousand Dollars ($50,000) per month. The
          provisions of this paragraph shall not apply to contracts which shall
          have been entered into prior to the Distribution Date.

     D.   System Support. In each instance where the Service Provider provides
          application or infrastructure support to the Service Recipient under
          Schedule 1A or Schedule 2, "Systems Support" shall include the
          following, where applicable:

          (i)  Database Administration - Monitoring of database size and
               performance; implementation of database expansions and
               housekeeping as required; installation support for changes to
               database structures.
<PAGE>

         (ii)  Technical Support - Answering questions concerning applications
               and functionality; support to production; coordination for job
               setup.

        (iii)  Emergency Fixes - Modification and installation of applications
               as required to resolve production problems or change
               functionality.

         (iv)  Production Problem Solving - Research and problem solving during
               production processing.

          (v)  Production Monitoring - Monitoring of production performance
               (e.g., nightly table update processing, backups and reporting
               during critical periods - month end).

         (vi)  Security - Support additions and deletions of security access;
               maintenance of user profiles in accordance with the Service
               Provider's standards.

6.   Billing and Cash Settlement Procedures

     A.   Services. Billing and cash settlement for Services shall occur
          monthly. Each Service Provider shall send bills in a format and
          containing a level of detail sufficient to identify the Services that
          are the subject of such bill in a form attached as an exhibit to the
          TSA. Spinco and Aetna shall settle amounts so due within fourteen
          (14) calendar days following the receipt of a monthly bill in good
          order and supported by proper documentation. Any billing or payment
          errors shall be corrected promptly after discovery thereof.

     B.   Payroll Reimbursements. On each payroll issue date, Aetna shall
          reimburse Spinco for amounts Spinco (i) paid or will pay to Aetna
          Group employees on such payroll issue date and (ii) withheld or will
          withhold from such employees' earnings and paid on their behalf to
          Governmental Entities, benefit providers or other third parties.

     C.   Vendor Reimbursements. Aetna shall establish an account in its name
          from which Spinco shall be authorized to draw funds for the purpose
          of making payments to vendors on behalf of Aetna. Aetna shall ensure
          that at all times the account contains sufficient funds to meet such
          payment obligations and shall reimburse Spinco for any costs
          (including, without limitation, interest or other cost of funds)
          incurred by Spinco arising from any insufficiency of funds in such
          account. Any monies received by Spinco in respect of such payments
          for the benefit of Aetna shall be promptly deposited into such
          account and shall not be commingled with Spinco funds.

     D.   Other Reimbursements. Except as specified in Sections 6B and 6C,
          Aetna shall reimburse Spinco bimonthly for any amounts paid by Spinco
          on Aetna's behalf.

     E.   Other Settlements

          (i)  Pass Through Charges. Pass through expenses and chargebacks
               (e.g., postage and express mail fees) identified on the
               Schedules hereto and not otherwise provided for herein shall be
               separately billed to and promptly paid by the Service Recipient.
<PAGE>

          (ii) Misdirected Payments. Any payment received by one party that
               properly belongs to the other party shall be rerouted by the
               receiving party to the other party promptly after such
               misdirected payment is identified.

     F.   Form of Settlement. Settlement for amounts due under this Section 6
          shall be made by wire transfer of immediately available funds. If any
          amount remains unsettled after the date when due, such amount shall
          bear interest at the [90-Day Treasury Rate] from the date due until
          the full settlement thereof.

7.   Operating Committee

     A.   Organization of the Operating Committee. Spinco and Aetna each will
          appoint three (3) employees, at least one of whom shall be a senior
          executive, to the "Operating Committee". The Operating Committee will
          oversee the implementation and ongoing operation of the TSA and shall
          attempt in good faith to resolve disputes between the parties. Each
          of Spinco and Aetna shall have the right to replace one or more of
          its Operating Committee members with employees or officers with
          comparable knowledge, expertise and decision-making authority.

     B.   Decision Making. The Operating Committee shall act by a majority vote
          of its members. If the Operating Committee fails to make a decision,
          resolve a dispute, agree upon any necessary action, or if the Service
          Recipient so requests in the event of a material breach significantly
          and adversely affecting a Critical Operation, a senior officer of
          Spinco and Aetna or his or her designee, shall attempt in good faith
          within a period of fifteen (15) (or, in the event of a significant
          and adverse impairment of a Critical Operation, seven (7)) calendar
          days to conclusively resolve any such unresolved matter.

     C.   Meetings. During the Transition Period, the Operating Committee shall
          meet, in person or via teleconference, at least once every other
          calendar month; provided, however, that the Operating Committee may,
          by majority vote of its members, elect to meet more or less
          frequently as it deems necessary. In addition, the Operating
          Committee shall meet as necessary to promptly resolve any disputes
          submitted to it.

     D.   Disputes. Any dispute arising out of or relating to the TSA will be
          submitted for resolution pursuant to Section 7B before any party may
          bring any legal proceeding in connection therewith. A party's failure
          to comply with the preceding sentence shall constitute cause for the
          dismissal without prejudice of any such legal proceeding.
<PAGE>

8.   Other Terms and Conditions.

     A.   Security. The Service Provider shall provide physical and data
          security for the businesses or functions to which the Services relate
          including, without limitation, code asset management practices at
          levels equal to or greater than the Service Provider's applicable
          standards during the twelve (12) month period prior to the
          Distribution Date, such levels to be specified in a schedule to the
          TSA. Each party agrees to comply with the other party's systems
          security procedures and shall not circumvent such procedures. Each
          party retains the right to monitor and audit the other party's
          compliance with such systems security procedures. If either party
          reasonably determines that personnel from the other party have
          attempted to circumvent its systems security procedures, that party
          may immediately terminate such personnel's access to its systems and
          shall immediately advise the other party of such incident and
          termination.

     B.   Systems Security Requirements.

          (i)  Spinco's Systems Security Requirements. Spinco's current systems
               security requirements will be set forth on a Schedule to the
               TSA. Spinco may amend such requirements from time to time in its
               sole discretion, and shall provide 30 calendar days prior
               written notice to Aetna of any such amendments. In addition,
               Aetna agrees to comply with any written instructions or written
               policies communicated to Aetna by Spinco in connection with the
               use of or access to any of Spinco's systems or to software.
               Aetna further agrees to execute any document reasonably required
               by Spinco or required by its licensors in order to retain
               software and/or data in confidence.

          (ii) Aetna's Systems Security Requirements. Aetna's current systems
               security requirements will be set forth on a Schedule to the
               TSA. Aetna may amend such requirements from time to time in its
               sole discretion, and shall provide 30 calendar days prior
               written notice to Spinco of any such amendments. In addition,
               Spinco agrees to comply with any written instructions or written
               policies communicated to Spinco by Aetna in connection with the
               use of or access to any of Aetna's systems or to software.
               Spinco further agrees to execute any document reasonably
               required by Aetna or required by its licensors in order to
               retain software and/or data in confidence.

     C.   Confidentiality.

          (i)  Definition of Confidential Information. For purposes of the TSA,
               "Confidential Information" shall have a meaning consistent with
               the agreements contained in the Distribution Agreement and shall
               include, without limitation, the following: (a) information
               relating to planned or existing computer systems and systems
               architecture and security, including, without limitation,
               computer hardware, computer software, source code, object code,
               documentation, methods of processing and operational methods;
               (b) policyholder data, customer lists, sales, customer
               information, profits,
<PAGE>

               organizational restructuring, new business initiatives and
               financial information; (c) information that describes insurance
               and financial products, including, without limitation, actuarial
               calculations, product designs, and how such products are
               administered and managed; (d) information that describes product
               strategies, tax interpretations, and the tax positions and
               treatment of any item; and (e) confidential information of third
               parties with which a party conducts business.

          (ii) The TSA will contain restrictions on the use of Confidential
               Information substantially similar to Section 6.06 of the
               Distribution Agreement. In addition, each party shall use
               commercially reasonable efforts to restrict access to the other
               party's Confidential Information to those employees of such
               party requiring access for the purpose of providing Services to
               the other party hereunder. Subject to its obligations under
               Section 6.05 of the Distribution Agreement (Retention of
               Records) each party shall destroy all Confidential Information
               obtained from the other party in connection with the TSA in
               accordance with the receiving party's normal document retention
               policies but, in any event, immediately following the expiration
               of the TSA. Notwithstanding the foregoing, Spinco and Aetna and
               their respective Affiliates may share Confidential Information
               with any subcontractor utilized to provide Services, provided
               that the party sharing such Confidential Information shall
               remain responsible for compliance with the provisions of this
               Section.

         (iii) Fulfillment and Confidentiality of Vendor Contracts and
               Software. Spinco and Aetna respectively shall (a) comply with
               the terms of, and keep confidential and, except as required by
               law, not disclose, reveal or duplicate (x) any information
               related to any of their respective vendor contracts to which the
               other party is provided access in connection with the TSA and/or
               (y) the other party's or any third party's computer systems,
               software, information and/or data to which they are provided
               access and/or use in connection with the TSA and (b) take such
               other actions and execute such additional documentation required
               by any vendor in order to access and/or use such vendor's
               software in connection with such vendor's contracts with the
               Aetna Group or the Spinco Group, as applicable.

     D.   Limitation of Remedies. Except if and to the extent arising out of a
          Service Provider's willful misconduct, in no event shall a Service
          Provider be obligated to pay to the Service Recipient in respect of
          breaches or alleged breaches of the TSA any amount in excess of the
          amount received by such Service Provider for the Services it renders.
          This cumulative limitation shall apply to all monetary remedies
          provided for in the TSA or any Schedule thereto, regardless of
          whether they are characterized as damages, indemnification
          (including, without limitation, indemnification for defense costs),
          refund of fees or otherwise.
<PAGE>

9.   Other Transitional Arrangements and Payments.

     A.   As of the date hereof, a Spinco Group member owns or leases certain
          information technology equipment, furniture, fine art and vehicles
          which are used for the business of the Aetna Group ("Aetna Used
          Assets"). Spinco shall take all actions necessary on its part to
          cause Aetna or an Affiliate to become the owner or lessor of all such
          assets as follows:

          (i)  Spinco shall provide to Aetna an inventory in reasonable detail
               of Aetna Used Assets that are owned by a Spinco Group entity.
               Upon execution of the TSA, Aetna shall pay Spinco the net book
               value of such assets as of the Distribution Date. Spinco
               concurrently shall deliver a bill of sale and/or other
               documentation reasonably evidencing such transfer of ownership
               including a list of assets purchased at a level of detail
               reasonable in relation to the types of assets being transferred.
               For the purposes of TSA, net book value shall be determined as
               Spinco's cost less accumulated depreciation calculated in
               accordance with generally accepted accounting principles
               consistently applied.

          (ii) For Aetna Used Assets that are leased by a Spinco Group entity,
               Aetna and Spinco shall jointly employ reasonable best efforts to
               cause the Leases to be assigned to Aetna or an Affiliate and, if
               such efforts are unsuccessful, Aetna shall purchase such assets
               and shall pay all costs incurred in connection therewith
               including, without limitation, prepayment penalties or similar
               charges, each as set forth in the relevant lease or on terms
               that Aetna may agree to with the lessor.

     B.   The Service Recipient shall be solely responsible for all expenses
          (other than the Service Provider's internal costs) associated with
          eliminating the Service Recipient's need to receive Services from the
          Service Provider including, without limitation, costs of transferring
          data from the Service Provider's information technology environment
          and of acquiring any computer hardware or software associated with
          implementation of any Conversion Plan.

     C.   Upon execution of the TSA, Aetna shall reimburse Spinco for all
          amounts it has paid for goods or services ordered or received after
          March 31, 2000 for: (i) purchase of information technology equipment,
          or licensing of information technology software, primarily for use in
          the Aetna Group Business; and (ii) tenant improvements on properties
          leased primarily for use in the Aetna Group Business, in the case of
          each of clause (i) and (ii) to the extent permitted under the Merger
          Agreement or the Distribution Agreement.

<PAGE>

     D.   Spinco and Aetna each shall bear fifty percent (50%) of the costs of
          physically separating the premises at 151 Farmington Avenue,
          Hartford, Connecticut.

     E.   Upon execution of the TSA, in addition to the amount payable pursuant
          to Section 9C, above, Aetna shall pay Spinco the net book value as of
          the Distribution Date of the building improvements in the Tower
          Building and the tenant improvements on State House Square and field
          office properties primarily used in the Aetna Group Business.

     F.   Aetna shall bear the entire expense (other than Spinco's internal
          costs or any out of pocket expenses or other charge paid to Spinco's
          advisors or representatives, if any) of (i) transferring, or
          obtaining new licenses with respect to, software used primarily in
          the Aetna Group Business; (ii) additional licensing or similar fees
          paid by Spinco to third party vendors by reason of Spinco providing
          any Transition Service pursuant to the TSA; and (iii) any other fees
          or costs associated with terminating, assigning or transferring to
          the Aetna Group any contract made use of by the Aetna Group Business.

Other Terms and Provisions

With regard to indemnification, the parties hereto agree as set forth in the
Distribution Agreement. In addition, the TSA shall contain such other terms and
provisions as are customary for an agreement of this type, including
assignability to an affiliate.

<PAGE>

                                  SCHEDULE 1A

Infrastructure

o    Production control/application availability

o    Desktop engineering

o    Desktop support

o    Access Control (NT)
     - Emergency access
     - Problem tickets
     - ID requests
     - Groups/shared directories
     - Emergency termination requests
     - Pre server check out
     - Post server check out

o    Access Control (mainframe/mid-range)
     - Emergency data set access
     - Problem tickets
     - General MF and Unix (SP2) access requests
     - New users/terminations/N ID requests
     - Short term data set access
     - Long term data set access
     - Emergency termination requests

o    Server Management

o    Network operations
     - Problem resolution (data/voice/NT server interruptions)
     - Manage chronic issues

o    Switchboard (incoming calls)

Business Applications

o    Integrated Benefit Service System

<PAGE>

o    Integrated Tax Reporting Facility

o    Recon 2

<PAGE>

                                  SCHEDULE 1B

o    Employee reimbursement processing for business

o    Accounts payable

o    Payroll processing

o    General ledger support

o    Benefits administration for any "cloned" employee benefits plans of the
     Spinco Group

       -  Medical
       -  Dental
       -  Group term life
       -  Dependent life
       -  Survivor income benefit
       -  Employee and dependent accidental death and dismemberment
       -  Flexible spending accounts
       -  Long term care
       -  Other welfare
       -  Retirement

o    Field office lease administration (including efforts to cause leases held
     in the name of a Spinco Group entity to be conveyed to a Aetna Group
     entity)

o    Purchasing

o    [Travel services]

<PAGE>

                                   SCHEDULE 2

o    Information technology business applications/systems:

       -  Producer Administration Information System
       -  DSS Producer Payroll
       -  Repetitive Payment SystemEXHIBIT 10.6

                                   TERM SHEET
                                      FOR
                              TRADEMARK ASSIGNMENT

Parties

The parties to the Trademark Assignment Agreement shall be Aetna and Spinco or
its designated affiliate.

Definitions

All capitalized terms used in this term sheet but not otherwise defined herein
shall have the meaning set forth in the Distribution Agreement, to which this
term sheet is an exhibit.

"Marks" shall mean the intellectual property set forth on Schedule 1 hereto,
but in any event shall exclude the Aetna China Name Rights and the Aeltus Name
Rights.

Assignment

To the extent requested by Spinco, Aetna will assign, or will cause its
Affiliates to assign, all its right, title and interest in the Marks and all
its corresponding Intellectual Property Rights thereto to Spinco, effective on
the Distribution Date. Spinco shall be entitled to hold and enjoy the Marks and
all such corresponding Intellectual Property Rights for its own use and for the
use of its successors, assigns or other legal representatives, as fully and
entirely as the same would have been held and enjoyed by Aetna (or its
Affiliates) absent the assignment.

In connection with the aforementioned assignment, Aetna will assign to Spinco
all income and royalties in respect of the Marks which are due or payable as of
the Distribution Date and thereafter.

Other Terms and Provisions

Other customary terms and conditions for an instrument of assignment of this
type.

<PAGE>

                                                                     SCHEDULE 1

Please refer to Schedule D to the Distribution Agreement ("Spinco Intellectual
Property Rights"). The list of assigned marks will contain all marks included
on Schedule D that are owned by the Aetna Group.

                                       2

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