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purchase shares of UICI Common Stock

Stock Purchase Agreement

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 This Stock Purchase Agreement involves

UICI | Glenn W. Reed

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Title: purchase shares of UICI Common Stock
Date: 3/15/2005
Industry: Insurance (Life)    

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Exhibit 10.89

[Date]

PERSONAL AND CONFIDENTIAL

[Addressee]

Dear [Name]:

      Effective [Date], the Company has granted to you options to purchase [Number] shares of UICI Common Stock. The option price is $                      per share, which is the closing price at which the Common Stock of the Company trade



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