EXHIBIT 10.11

                                     AGREEMENT TO EXTEND LEASE

     Agreement that the lease dated November 15, 1998 and extensions thereof, if
any,  between First  Central  Insurance  Company as Landlord,  and Simon General
Agency,  Inc. as Tenant for 3rd Fl. 3900 sq. ft. at 266 Merrick Road,  Lynbrook,
New York 11563 shall be  extended  for a term of one (1) year,  which  extension
shall  commence  December 1, 1995 and shall  terminate  November  30, 1996 at an
amended  rental,  payable in monthly  installments of $ (see below) on the first
day of each month in advance.

     The  additional  amount of security to be deposited with the Landlord shall
be $0 which when added to the security  previously  depostied  with the Landlord
shall total $0.

     All  other  tems of the above  lease and  extension  thereof,  if any,  not
amended by this  agreement  shall  remain in full  force and  effect  under this
extension, except as follows:

                 RENT SHALL BE AS FOLLOWS:

                 12/1/95 - 11/30/95  $20.00 sq.ft. - $78,000.00 $6,500.00/Month




                                          FIRST CENTRAL INSURANCE COMPANY
                                          -------------------------------
                                             Landlord

Dated:    October 12, 1995           By:  /s/ Joel I.  Dollinger
                                          --------------------------------

                                          Simon  General Agency, Inc.     (L.S.)
                                          --------------------------------
                                              Tenant

                                     By:  /s/ Jeffrey Berkowitz           (L.S.)
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                                              Tenant