Available Products Include:

Medical and Prescription Insurance
MEDICAL & Rx DISCOUNT
DENTAL
PREMIUM PROTECTION
LIFE
AUTO & HOME
 PROPERTY & CASUALTY
PET INSURANCE
OTHER PRODUCTS 

Contact Us:

To learn more about the options available to RAMW members to lower your insurance and benefits costs, call USI Affinity at: 855.575.2632 email us at National.Benefits@usi.biz or fill out and submit the form to the right and a representative will contact you.

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We offer a wide range of choices for medical insurance coverage – choose the plan that works best for you. Plus, with most plans, you can apply over the phone without having to fill out paper applications. Programs include*:

  • • Unlimited lifetime maximums with dependants covered until age 26
  • • A shrinking deductible - a 20% deductible credit each year one does not meet their deductible
  • • 10% healthy member discount & preferred rates
  • • Optional PPO or traditional health plan with over 1,000,000 providers
  • • Plans with a $20, $25, $30 or $40 co-pay for doctor visits and Prescription Drug Coverage

*Note: Features are subject to state availability and may not apply to all members.

The RxCut® discount card, which ensures that you receive the absolute lowest price possible on your prescriptions, is available to all RAMW members whether you have health insurance or not. Download your FREE RxCut® card today at www.rxcut.com/USI. Good for Pet Medicines as well.
We also offer group and individual dental programs that provide quality dental care and great value for you, your family and your employees. Carriers include United Concordia and Assurant to name a few.

To learn more about our dental benefits and rates click here

USI Affinity has teamed up with Allstate to bring you the Premium Protection Plan. This is an exclusive suite of affordable, voluntary products that cannot be purchased or even compared anywhere but through your Association.

  • • As a supplement to a major medical plan, these coverages can often allow you to dramatically lower your premiums, in many cases by nearly half, by increasing your deductible
  • • You cannot be turned down or charged more for pre-existing conditions
  • • Benefits paid in addition to any other coverage, and paid directly to you
  • • No reduction in benefits due to age

There are three parts to the Premium Protection Plan:

  • • Critical Illness Protection
  • • Accident Protection
  • • Disability Coverage

Understanding Life Insurance

Think of life insurance as a promise that will help ensure the financial security of your loved ones should something unexpected happen to you.


Why You Need Life Insurance

Everyone should consider life insurance. Whether it is used to replace your income, pay off a debt, pay for final expenses or establish a legacy, there are many compelling reasons to purchase life insurance.


Health, Age and Your Rate

When you apply for life insurance, your application, activities and general health are reviewed to determine your eligibility for coverage and what price to charge for it. We'll help you understand more about this process.


Types of Life Insurance

Term Insurance

Term insurance is intended to provide coverage for a specific period of time and it generally provides the largest immediate death benefit at the lowest cost.

Permanent Insurance

Permanent insurance offers lifetime coverage and a death benefit with cash value that grows over time. This can mean lifetime peace of mind for you and your family.

Call a USI Affinity licensed professional today at 855.575.2632!

Auto and Home Insurance

Choice and Savings

You want to have the right insurance coverage whether you’re out for a drive or tucked in at home. Through USI Affinity, RAMW members have access to more than 15 top-rated insurance providers. You can find the best policy for your needs and your budget - just by bundling your auto and homeowners insurance, you could save up to 30% a year. You don’t even have to choose the same insurance companies for your policies.

Get a quote online to start saving today! Or call 1-888-325-8877 to talk to one of our dedicated consultants. M-F 7:30AM-6:00PM CT

A Business Insurance program that includes commercial property, crime, general liability, umbrella/excess, and workers compensation. This insurance program is customized for restaurants, containing the broadest coverage and underwritten by financially sound insurers.

Commercial Property

  • Real Property
  • Business Personal Property
  • Business Income - Actual Loss Sustained
  • Spoilage (up to $100,000)
  • Exterior Glass
  • Special Causes of Loss
  • Replacement Cost - Valuation
  • Outdoor Signs ($5,000)
  • Crime Coverage (Fidelity/Robbery) - $5,000
  • $1,000 Deductible (and no Coinsurance)

    • Commercial General Liability

  • $1,000,000 per Occurrence
  • $2,000,000 Aggregate
  • Premises & Operations
  • Products Liability
  • Personal Injury & Advertising
  • Premises Medical ($10,000)
  • Damages to Premises Rented
  • Liquor Liability
  • Garage Keeper's Legal
  • Non-owned Automobile*


    • Umbrella/Excess Liability (up to $5M Limits)

    Workers Compensation

    Pet health insurance helps you pay for unexpected veterinary expenses due to accidents or illnesses. Pet insurance policies from Petplan, the world’s leading pet insurance brand, offer great value and flexibility without ever compromising coverage. Choices of coinsurance and deductible options ensure that you can select the coverage that best meets your needs and budget.

    Call 866-467-3875 or visit www.gopetplan.com/partner/usipets. Make sure you give them your association code: USIAPETS. Receive a 5% discount automatically. Receive another 5% discount for applying online.

    Travel Insurance

    USI Affinity offers an array of travel insurance products to fit the needs and requirements of travelers. Whether it’s trip cancellation, medical coverage, emergency evacuation for a business traveler or vacationer, we have a plan to meet your needs.

    Medical Expense Negotiation

    It’s more important than ever to make sure you aren’t paying too much on your medical bills. With medical expense negotiation services, a team of attorneys and claims payment professionals will negotiate the cost of your medical bills – often resulting in savings of 20-50%. You and your family now have a partner to help reduce health care cost and complexity.

    Mortgage Program

    It’s never been more important to work with a mortgage company you can trust. In partnership with Quicken Loans, you can rest easy knowing your mortgage is in good hands. With great rates, cash back, and fast closings, you’ll see why Quicken Loans comes highly recommended by their customers.