AMENDMENT FOUR TO MARKETING AGREEMENT

Exhibit 10(p)(4)

AMENDMENT FOUR TO MARKETING AGREEMENT

THIS FOURTH AMENDMENT TO THE MARKETING AGREEMENT, effective as indicated herein, by and between American National Insurance Company (“American National”), an insurance company organized under the laws of the state of Texas, and Legacy Marketing Group (“LMG”), a California corporation.

WHEREAS, American National and LMG entered into a Marketing Agreement, dated November 15, 2002, as amended, (“Agreement”), wherein LMG agreed to provide specified services relating to the marketing of certain insurance policies issued by American National;

WHEREAS, American National and Legacy desire to amend to the Agreement.

NOW, THEREFORE, in consideration of the foregoing recitals and mutual promises hereinafter contained and other good and valuable