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                                                                   Exhibit 10.19

                      AMENDMENT ONE TO EMPLOYMENT AGREEMENT

     This Amendment One to that certain Employment Agreement dated the 22nd day
of November, 1999, by and between American Prepaid Professional Services, Inc.
("American Prepaid") and Alan Stewart (the "Executive"), is entered into this
7th day of March, 2003.

     WHEREAS, American Prepaid and Executive mutually desire to amend certain of
the terms of the above-referenced Employment Agreement, which Amendment is set
forth below:

     NOW, THEREFORE, in consideration of the mutual promises and covenants
herein contained, the parties hereto agree as follows:

     1. The terms and conditions of that certain Employment Agreement dated as
of November 22, 1999, by and among American Prepaid and Executive is hereby
confirmed in its entirety with the exception of the amendments being made to
Paragraph 7, Severance Payments, and Paragraph 8(a), Non-Competition, and to the
extent the terms and conditions of this Amendment One are in conflict with the
terms and conditions of the Employment Agreement, the terms and conditions of
this Amendment One shall govern.

     2. Paragraph 7, Severance Payments, is hereby amended in its entirety to
now read as follows:

          7.   Severance Payments.

               In the event of termination of the Executive by American Prepaid
     pursuant to Section 6(e), or by Executive pursuant to 6(f), then American
     Prepaid shall, in lieu of the payments and arrangements specified above,
     pay the Executive severance pay in an amount equal to one (1) times the
     Executive's Base Salary on the termination date ("Severance Pay"). Such
     Severance Pay shall be payable over twelve (12) months in equal monthly
     installments and shall be subject to withholding to the extent required
     under applicable law. The Severance Pay contemplated by this Section 7 is
     agreed by the parties hereto to be in full satisfaction and compromise of
     any claim arising out of any termination of the Executive's employment
     pursuant to Section 6(e) or 6(f). Executive shall not be required to
     mitigate the amount of any payment provided for in this Agreement by
     seeking other employment or otherwise.

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     3. Paragraph 8(a), Non-Competition, is hereby amended in its entirety to
now read as follows:

          8.   Non-Competition.

               (a) During any period in which the Executive serves as an
     employee of American Prepaid and for the greater of (i) the period
     Executive continues to receive Separation Pay, or (ii) a period of one (1)
     year after the date of termination of the Executive's employment at any
     time, regardless of the circumstances thereof, the Executive shall not,
     without the express written consent of American Prepaid, directly or
     indirectly, engage, participate, invest in, be employed by or assist,
     whether as owner, part-owner, shareholder, partner, director, officer,
     trustee, employee, agent or consultant, or in any other capacity, any
     Person other than American Prepaid and its Affiliates whose activities,
     products, and/or services are in the Designated Industry. Without limiting
     the foregoing, the foregoing covenant shall prohibit the Executive during
     the period set forth above from (i) hiring or attempting to hire for or on
     behalf of any Person in the Designated Industry any officer, Employee, or
     Affiliated Person of American Prepaid or any of its Affiliates, (ii)
     encouraging for or on behalf of any such Person in the Designated Industry
     any officer, Employee, or Affiliated Person to terminate his or her
     relationship or employment with American Prepaid or any of its Affiliates,
     (iii) soliciting for or on behalf of any such Person in the Designated
     Industry any customer of American Prepaid or any of its Affiliates and (iv)
     diverting to any such Person in the Designated Industry any customer of
     American Prepaid or any of its Affiliates; provided, however, that nothing
     herein shall be construed as preventing the Executive from making passive
     investments in a Person in the Designated Industry if the securities of
     such Person are publicly traded and such investment constitutes less than
     five percent of the outstanding shares of capital stock or comparable
     equity interests of such Person. As of the effective date of employment,
     the Executive is not performing any other duties for, and is not a party to
     any similar agreement with, any Person competing with American Prepaid or
     any of its affiliates.

     IN WITNESS WHEREOF, the parties have signed this Amendment One as of the
day and year first above written.

AMERICAN PREPAID PROFESSIONAL           EXECUTIVE
SERVICES, INC.

By: /s/ Phyllis Klock                   By: /s/ Alan Stewart
    ---------------------------------       ------------------------------------
    Phyllis Klock                           Alan Stewart
Title: President & COO                  Date: November 22, 1999
Date:
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                                                                   Exhibit 10.20

                                AMENDMENT TWO TO
                              EMPLOYMENT AGREEMENT

     This Amendment Two is made this 1st day of July, 2003 to that certain
Employment Agreement and Amendment One to Employment Agreement by and between
American Prepaid Professional Services, Inc. ("American Prepaid") and Alan
Stewart (the "Executive") dated the 22nd day of November, 1999 and 7th day of
March, 2003, respectively.

     WHEREAS, American Prepaid and Executive mutually desire to amend certain of
the terms of the above-referenced Employment Agreement and Amendment One, copies
of which are attached hereto in their entirety and are incorporated herein by
this reference as Exhibits "A" and "B" (the "Employment Agreement"); and

     WHEREAS, the parties desire to extend the term of said Employment Agreement
for an additional three (3) years, as well as mutually amend other terms of said
Employment Agreement as provided for below:

     NOW, THEREFORE, in consideration of the mutual promises and covenants
herein contained, the parties hereto agree as follows:

     1. The terms and conditions of that certain Employment Agreement and
Amendment One to Employment Agreement dated as of 22nd day of November, 1999 and
7th day of March, 2003, respectively, by and among American Prepaid and
Executive are hereby confirmed in their entirety with the exception that to the
extent the terms and conditions of this Amendment Two are in conflict with the
terms and conditions of the Employment Agreement and Amendment One to Employment
Agreement, the terms of this Amendment Two shall govern.

     2. It is the desire of the parties to extend the term of the Employment
Agreement by an additional three (3) years and, accordingly, amend Paragraph 2,
Term of Employment, to now read in its entirety as follows:

     Term of Employment. The term of the Executive's employment pursuant to this
     Agreement shall be effective as of the date of this Amendment One to
     Employment Agreement, and shall remain in effect until November 22, 2007 or
     until terminated in accordance with Section 6 of the Employment Agreement.
     The period during which the Executive serves as an employee of American
     Prepaid or any of its subsidiary operations in accordance with and subject
     to the provisions of this Agreement is referred to in this Agreement as the
     "Term of Employment."

     3. It is the desire of the parties to include the title of the Executive as
of the date of this Amendment Two and, accordingly, amend Paragraph 3, Duties,
to now read in its entirety as follows:

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     Duties. During the Term of Employment, the Executive (a) shall serve as an
     officer of American Prepaid with the current title as of the date of this
     Amendment One of Senior Vice President and Chief Actuary, (b) shall perform
     such duties and responsibilities as may be reasonably determined by the
     President of American Prepaid consistent with the Executive's position as
     an officer of American Prepaid, provided that such duties and
     responsibilities shall be within the general area of the Executive's
     experience and skills, (c) upon the request of the Board of Directors of
     American Prepaid, shall serve as an officer of any of its subsidiaries; and
     (d) shall render all services incident to the foregoing. The Executive
     agrees to use his best efforts in, and shall devote his full working time,
     attention, skill and energies to, the advancement of the interests of
     American Prepaid, CompDent Corporation n/k/a CompBenefits Corporation
     (parent company of American Prepaid), and their subsidiaries and Affiliates
     and the performance of his duties and responsibilities hereunder.

     4. It is the desire of the Parties to reflect Executive's current Base
Salary and, accordingly, amend paragraph 4(a), Compensation, in its entirety to
now read as follows:

     (a) During the Term of Employment, American Prepaid shall pay the Executive
a salary (the "Base Salary") at an annual rate as shall be determined from time
to time by the President of American Prepaid, provided, however, that such rate
per annum shall not be less than $200,000. Such salary shall be subject to
withholding under applicable law and shall be payable in periodic installments
in accordance with American Prepaid's usual practice for its executives, as in
effect from time to time.

     IN WITNESS WHEREOF, the parties have signed this Amendment Two as of the
day and year first above written.

AMERICAN PREPAID                        EXECUTIVE
PROFESSIONAL SERVICES, INC.

By: /s/ Phyllis Klock                   By: /s/ Alan Stewart
    ---------------------------------       ------------------------------------
Name: Phyllis Klock                         Alan Stewart
Title: President & Chief Operating
       Officer

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