Exhibit 3.8


                      RESTATED ARTICLES OF INCORPORATION

                                      OF

                                   [Company]


                  FIRST: The name of the corporation is [Company],
         hereinafter, (the "Corporation").

                  SECOND: The principal place of business and mailing address
         of the Corporation is 110 SE 6th Street, Ft. Lauderdale, Florida
         33301.

                  THIRD: The purpose of the Corporation is to engage in any
         lawful act or activity for which a corporation may be organized under
         the Florida Business Corporation Act including, but not limited to,
         the acting as an insurance agent and the providing of insurance
         services, exclusive of the underwriting of insurance policies.

                  FOURTH: The total number of shares of stock which the
         Corporation shall have authority to issue is One Thousand (1000)
         shares of Common Stock, each having a par value of one cent ($0.01).

                  FIFTH: The address of the registered agent of the
         Corporation is 110 SE 6th Street, 20th Floor, Ft. Lauderdale, Florida
         33301. The name of the registered agent at that address is Kenneth B.
         Rollin.