Exhibit 10.13 Amendment No. 1 Effective: October 1, 1997 to the Policy Life Cycle Services Agreement by and between INSpire Insurance Solutions, Inc., formally known as Millers Integrated Claims Resources, Inc., ("INSpire") and Millers Casualty Insurance Company ("Customer") WHEREAS, INSpire and Customer have entered into this Agreement for the administration of certain insurance policies to be issued by Customer; WHEREAS, Customer desires to have INSpire provide additional services; WHEREAS, the parties, as a result, have agreed to amend this Agreement; NOW, THEREFORE, Customer and INSpire hereby agree that, effective October 1, 1997, that the fees for Policy Life Cycle Services hereunder shall be increased to 6.25% of Direct Written Premium subject to a $56.00 per policy minimum. The parties further agree that effective October 1, 1997, INSpire will provide underwriting services for said policies according to Customer's defined underwriting rules. The provisions of this Agreement shall remain otherwise unchanged. INSpire and Customer certify by their undersigned authorized agent that they have read this amendment and agree to be bound by its terms and conditions. INSpire Insurance Solutions, Inc. Millers Casualty Insurance Co. By: /s/ Jeffrey W. Robinson By: /s/ Joy J. Keller ----------------------------- -------------------------------- Name: Jeffrey W. Robinson Name: Joy J. Keller ----------------------------- -------------------------------- Title: Executive Vice President Title: Executive Vice President and CFO ----------------------------- -------------------------------- Date: December 31, 1997 Date: December 31, 1997 ----------------------------- --------------------------------