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Meet the Team

Joni Ramey
Phone: 360.910.1243


As CEO of Insure North America dba INA Benefits Group, Joni Ramey has passionately represented the employee benefits industry for over 30 years and has enjoyed seeing INA grow to have locations in Vancouver, WA and Nampa, ID, with corporate headquarters in Phoenix, AZ.


Joni started in the insurance world working on the carrier side but soon learned that she was limited on what she could do as a carrier rep. Becoming an Insurance Broker would open many doors for her as well as help many people-her true calling!

She has held leadership roles in PAHU (Portland Association of Health Underwriters) & OAHU (Oregon Association of Health Underwriters) and is a member of NAHU (National Association of Health Underwriters) & WAHU (Washington Association of Health Underwriters). She continues to support the HUPAC (Health Underwriters Political Action Committee) and has spent time on Capitol Hill in Washington, D.C. representing other Insurance Brokers as well as speaking to Senators and Congressmen regarding the concerns of her clients and changes in the insurance industry. She is also involved in her local Chambers of Commerce.

Joni is ACA-accredited and licensed not only in Oregon and Washington but also holds insurance licenses in Idaho & Oklahoma. She is also certified to do Medical Claims & Billing.

Specializing in Self-Funding, Level Funding & ICHRA plans, Joni is very honored and humble to be a part of an industry that is evolving with changes. She vows to always do the right thing when it comes to taking care of her clients! You only get one chance to make a positive impression. That one chance could be a game changer.


When she is not knee-deep in renewals and prospecting for new business, Joni loves spending time with her grandchildren. Grandchildren truly makes this world a better place.


Robert "Bob" Smith
Phone: 503.680.8843

Bob served in the military as a non-commissioned officer for 6 years.  He then joined the Police force and became the youngest Chief of Police in the state of West Virginia.  He moved into private institutional business where he worked for several Fortune 500 companies in a management capacity for over 30 years.  These companies include Vanguard Group, Allied Signal Aerospace and Kaiser Permanente.  During this time, his experience included multi-state management responsibilities, union negotiations, budget & project management, employee relations negotiations and workplace violence prevention.  He is a frequent speaker to public and private industry groups regarding employee safety and workplace violence.  His most recent 15 of experience has been in the healthcare & healthcare insurance industry with Kaiser Permanente and Cambia Health.  He joins INA as a Managing Partner.

Bob has a Bachelor’s Degree in Business Management from Western International University, Arizona.  His Volunteering and Board experience includes:  CPP certification in Security Management, ASIS; Past Tigard-Tualatin School Board Member; Past ASIS International State Chair for Arizona and Oregon; Tigard Football Assoc. Past President and Coach, current Treasurer.


Amber Foss
Senior Account Manager
Phone: 360.910.7871

Amber Foss began her career in the Employee Benefits field in 2003 shortly after graduating High School. While attending Portland State University where she studied Criminology & Criminal Justice, she worked part-time for an Employee Benefits Firm as a Receptionist. Shortly thereafter she was promoted to the role of Account Manager and began managing a large book of business for several Agents in the office. 

In 2009 Amber graduated with her Bachelor of Science degree from PSU Suma Cum Laude and was a part of the Criminal Justice Honor Society. After graduating, she decided that she loved working in the Employee Benefits field so much that she was going to continue to do so instead of pursuing a career in the Criminal Justice field. In the Fall of 2009, she opened a new Agency with one of the Agents she had closely worked for several years and transitioned into a Senior Account Management role. 

In addition to the 14 years of experience in Employee Benefits, Amber has also had several years of experience in Customer Service and Risk Management. For several years, while working as a Senior Account Manager, she also worked a second job for a Major Retailer doing Risk Management/Loss Prevention. During this time, she received multiple awards including Detective of the Year for the Oregon district in 2012 after being with the company for less than one year. 

Amber currently manages two individual books of business as well as an employee benefits book of business. She guides our clients and their employees with over-the-top customer service. She is responsible for developing proposals, negotiating with the Carriers and providing our clients with a detailed renewal analysis. She also prepares customized employee benefit guides and Employer Compliance Manuals that are designed to comply with ACA and ERISA laws as well as building customized web portals for Employer Groups and their employers where they have 24/7 access to all benefit information.


Amber takes great pride in not only making your HR Department’s job easier, but ensuring that each employee has a complete understanding of their benefits package while also providing peace of mind.  When she’s not working, Amber enjoys spending time with her family & pets including her two small kids (who keep her on her toes!), 2 dogs & a one-eyed rescue cat.


Bill Graham
Benefit Consultant
Phone: 702-682-0321

William “Bill” Graham has been a top producing sales professional and consultant for more than 22 years. Unwavering in his commitment to representation of his business partners clients Bill, values integrity with honesty and transparency above all else in his business dealings.


Bill relocated to Idaho with his family in 1991. He began his carrier at John Alden Life Insurance Company as a regional sales representative. After a couple acquisitions, John Alden became Assurant Health and in 2015 was sold to National General. It was at this time Bill joined a national general agency where he was promoted to executive director of underwriting and operations, then served as the company’s chief operating officer. In 2021 Bill started his own national general agency and consulting firm.


In 2005, he married his wife Laura and together they have two children. When Bill isn’t in the office, you can find him fly fishing, golfing, hunting, mountain biking, hiking, paddle boarding or traversing Idaho’s mountains in their wrangler or UTV.


In 2023, Bill joined INA Benefits Group as a consultant presenting a vast array of industry experience also inclusive of small group underwriting, operations management, brokerage management and captive health plan management. Bill and Joni Ramey, CEO of INA, have been cultivating business together since 2004.

Eric Aaberg Headshot.jpg

Eric Aaberg
Benefit Consultant
Phone: 503-209-3608

Eric is excited to join Joni and the INA Team and provide outstanding consulting and strategic services to employers in the complex arena of Employee Benefits.  Eric has been in the Employee Benefits Industry for 24 years serving Clients of all sizes in the Pacific NW and Northern CA.  


Eric's passions are relationships and strategically helping Clients navigate the complex Employee Benefits landscape with fresh and unique perspectives to attract an employer's most valuable asset, their employees.  In this competitive market, employers must differentiate themselves from the competition to attract and retain top talent. Eric's years of experience with employers of every size, in every industry, gives him the experience to help employers strategize and implement Employee Benefits Plans to attract and retain top talent and stay within budget.  


Strategic planning for cost containment and transparency are key elements in the process Eric implements with all of his clients.  The goals and values of the employer drives Eric's consulting.  Self -Funding in all formats is a passion for Eric as are unique strategies for Voluntary benefits to enhance employers benefits offerings. 


Eric is licensed in CA , WA OR and ID and actively supports National Association of Health Underwriters, Oregon Association of Health Underwriters and Portland Association of Health Underwriters.   


When Eric is not working for his clients, his passions are his kids, serving at his church, weightlifting, working on his historic home in Oregon City OR and collecting American Antiques. 


Nick Smith
Phone: 503-927-5004

Nick is a dedicated and passionate professional with a relentless pursuit of excellence both in the office and in the field.  His passion is guiding teams to success with a strong work ethic and unwavering commitment. Driven by a desire for continuous personal and professional growth, he challenges himself daily, striving for advancement in all aspects of life. With a keen understanding of the importance of strong connections, he actively seeks collaborations with driven individuals, aiming not only for personal success but also to positively influence others.

Nick's ultimate goal is to provide value through education and consultation to both employers and individuals. With an open inbox, he invites you to connect and start a conversation about how shared dedication to excellence can lead to meaningful achievements for your business and your team. Utilizing his access to every business insurance and business market in the state,  he is dedicated to finding the best possible rate while delivering outstanding service. His years of expertise have been with employee benefits, PEO administration and individual health insurance.  He also writes all lines of insurance, commercial liability, workers comp disability and more! Call or text with any questions or quote inquiries!

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