to the QUOTA SHARE RETROCESSION AGREEMENT Effective: July 1, 1996

                                                                EXHIBIT 10(bv)


                             TERMINATION ADDENDUM

                                    to the

                      QUOTA SHARE RETROCESSION AGREEMENT
                           Effective:  July 1, 1996

                                  issued to

                 AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS
                                Dallas, Texas

                                      by

                          ▇▇▇▇▇▇ REINSURANCE COMPANY
                             Long Grove, Illinois


 IT IS HEREBY AGREED, effective May 28, 1999, that ▇▇▇▇▇▇ Reinsurance Company
 shall no longer  be the Reinsurer  hereunder and  that "Reinsurer"  whenever
 used herein  shall  refer  to  "GE  Reinsurance  Corporation,  Lincolnshire,
 Illinois."

 IT IS FURTHER AGREED that this Agreement shall be terminated at 12:01  a.m.,
 Central Standard Time, July 1, 2000, in accordance with the third  paragraph
 of ARTICLE 3 _ COMMENCEMENT AND TERMINATION.

 IN WITNESS  WHEREOF, the  parties hereto  have caused  this Addendum  to  be
 executed by their duly authorized representatives at:

 Dallas, Texas, this _________ day of ________________________________, 20__.


                _______________________________________________________
                AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS

 Lincolnshire, Illinois, this _________ day of _______________________, 20__.

                _______________________________________________________
                GE REINSURANCE CORPORATION