AMENDMENT SIX TO MARKETING AGREEMENT


This document is Amendment Six to the Marketing  Agreement made and entered into
effective  June 1, 1993,  and amended by Amendment  One to  Marketing  Agreement
dated  September 16, 1993;  Amendment Two to Marketing  Agreement  dated June 4,
1998; Amendment Three to Marketing Agreement dated September 25, 1998; Amendment
Four to Marketing  Agreement  dated  October 19,  1998;  and  Amendment  Five to
Marketing  Agreement dated December 15, 1998, (the "Agreement"),  by and between
American National Insurance Company  ("American  National") a Texas corporation,
and Legacy Marketing Group ("LMG"), a California corporation.

In  consideration  of mutual covenants  contained  herein,  the parties agree as
follows:

1.   Section 3.1 of the  Agreement  is hereby  deleted in its  entirety  and the
     following new Section 3.1 shall be substituted therefor:

     "3.1 Subject to termination as hereinafter  provided,  this Agreement shall
     remain in force and effect until the close of business on May 15, 1999, the
     term of this Agreement.  This Agreement may be renewed by mutual  agreement
     for successive  terms of one (1) year unless  terminated by either party by
     prior  written  notice to the other at least one hundred  eighty (180) days
     prior to the end of the initial term or the renewal term."

2.   Except as  specifically  amended  hereby,  all items and  provisions of the
     Marketing Agreement shall remain in full force and effect.


LEGACY MARKETING GROUP                   AMERICAN NATIONAL INSURANCE
                                         COMPANY


By: /s/ David A. Skup                    By: /s/ David Behrens
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Title: CFO & Treasurer                   Title: Exec VP of Independent Marketing
       ---------------------------              ---------------------------

Witness: /s/ Katie Shannon               Witness: /s/ Gretchen Childress
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Date: 3/25/99                            Date: 3/29/99
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