Exhibit 10.5
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                   AMENDMENT EXTENDING GENERAL AGENT CONTRACT


     This is an amendment ("Amendment") extending the General Agent Contract
("General Agent Contract") effective January 1, 1985 between UNITED INVESTORS
LIFE INSURANCE COMPANY ("United") or ("Company"), and W&R INSURANCE AGENCY, INC.
("General Agent"), as follows:

     1.  Subparagraph A of Paragraph 13 of the General Agent Contract is amended
to read as follows:

     A.   This Contract is effective from its Effective Date and, unless further
          extended by the parties, will terminate on the earlier of (i) December
          31, 1998, or (ii) the date it may be terminated under Subparagraph B
          or C of this Paragraph 13.

     2.  In all other respects, the General Agent Contract is unchanged.  The
parties ratify and confirm the General Agent Contract as amended by this
Amendment.

     Executed this the 3rd day of March, 1998.

                                 UNITED INVESTORS LIFE
                                 INSURANCE COMPANY

                                 By:  /s/ Larry M. Hutchison
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                                      Larry M. Hutchison


                                 W&R INSURANCE AGENCY, INC.

                                 By:  /s/ Robert L. Hechler
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                                      Robert L. Hechler