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                                  EXHIBIT 10.1

                    AMENDMENT THIRTEEN TO MARKETING AGREEMENT

This document is Amendment Thirteen 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; Amendment Six to Marketing
Agreement dated March 25, 1999, Amendment Seven to Marketing Agreement dated May
10, 1999, Amendment Eight to Marketing Agreement dated June 24, 1999, Amendment
Nine to Marketing Agreement dated August 5, 1999, Amendment Ten to Marketing
Agreement dated October 1, 1999, Amendment Eleven to Marketing Agreement dated
January 31, 2000, and Amendment Twelve to Marketing Agreement dated February 29,
2000 (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 therefore:

       "3.1 Subject to termination as hereinafter provided, this Agreement shall
       remain in force and effect until the close of business on July 31, 2000,
       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 terms 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 A. Behrens
                   -----------------                           --------------------

       Title:      Chief Financial Officer         Title:      Executive V. P. of Independent Marketing
                   -----------------------                     ----------------------------------------

       Witness:    /s/ Stephanie Molteni           Witness:    /s/Lori Herrera
                   ---------------------                       ---------------

       Date:       April 19, 2000                  Date:       April 27, 2000
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