1

                                  EXHIBIT 10.1

                      AMENDMENT TEN TO MARKETING AGREEMENT

This document is Amendment Ten to the Marketing Agreement ("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, and Amendment Seven to Marketing Agreement dated
May 10, 1999, Amendment Eight to Marketing Agreement dated June 24, 1999, (the
"Agreement"), and Amendment Nine to Marketing Agreement dated August 5, 1999, 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 January 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/ Gregory C Egger       By:         /s/ Debra Knowles
                -----------------------               --------------------------

     Title:     Chief Marketing Officer   Title:      Assistant Vice President
                -----------------------               --------------------------

     Witness:   /s/ Stephanie Molteni     Witness:    /s/ Gretchen M. Childress
                -----------------------               --------------------------

     Date:      October 1, 1999           Date:       October 1, 1999
                -----------------------               --------------------------



                                 Page 15 of 23