THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A REQUEST FORCONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] AmendmentNo. 1 to the AUTOMATIC REINSURANCE AGREEMENT Effective: December 31, 2007 (the Treaty) BetweenOM FINANCIAL LIFE INSURANCE COMPANY, a Maryland insurance company (the Ceding Company) and WILTON REASSURANCE COMPANY AMinnesota insurance company (the Reinsurer)

Exhibit 10.21

THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***]

Amendment No. 1 to the

AUTOMATIC REINSURANCE AGREEMENT

Effective: December 31, 2007

(the “Treaty”)

Between OM FINANCIAL LIFE INSURANCE COMPANY,

a Maryland insurance company

(the “Ceding Company”)

and WILTON REASSURANCE COMPANY

A Minnesota insurance company

(the “Reinsurer”)

It is hereby acknowledged and agreed by and between the parties that this Amendment No. 1 shall attach to the Treaty and become a part thereof.

The “Closing Settlement Amount” as defined in Article 4, Section 4.1 is hereby changed to $[***] million.

All other terms and conditions of the Treaty are unchanged and remain in effect.

AMENDED AND AGREED: