Meet our team members and learn more about them!

Joni Ramey – Managing Partner
Phone: 360.910.1243

As part owner of a prominent Employee Benefits Agency INA (Insure North America) located in Vancouver WA & Nampa ID, Joni Ramey has passionately represented the employee benefits industry for over 26 years. 

Joni started in the insurance world working on the carrier side but soon learned that she was limited on what she could do.  Becoming a 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).  Joni is a member of NAHU (National Association of Health Underwriters), OAHU (Oregon Association of Health Underwriters) & WAHU (Washington Association of Health Underwriters).  She continues to support the HUPAC (Health Underwriters Political Action Committee).  Joni has spent time on Capitol Hill in Washington DC representing other Insurance Brokers as well as speaking to Senators and Congressmen regarding concerns of her clients and the changes in the insurance industry.   

ACA Accredited and licensed not only in Oregon and Washington but also holds insurance licenses in Idaho, Mississippi & Arizona. She also is certified to do Medical Claims & Billing.

Joni is very honored and humble to be a part of an industry that is evolving with changes daily. She vows to always do the right thing when it comes to taking care of her clients!   You only get once chance to make a positive impression. 

Amber R. Foss – Managing Partner/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 size 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 and pets including her 2-year-old daughter (who keeps her on her toes!), three dogs and a “grumpy” cat.

Bob Smith – Managing Partner
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.

Ron O’Brian – Health & Life Agent
Phone: 208.350.3708

Ron O’Brian has been in the radio and television industry for 37 years. For 21 of those years he was an airborne traffic reporter, providing traffic reports from the sky to listeners & viewers. He continues to work in the industry in Boise Idaho, but now much more safely, on the ground! Ron also has done public speaking and live Radio remotes.

With radio and the delivery of traffic that has changed over the years, Ron decided it was time for a change and started to research the Insurance industry.  Newly licensed and ready to take on the challenge of this crazy thing we call insurance.

He has volunteered in the past with the Idaho Commission for Libraries, and with Habitat for Humanity, serving on the Public Relations board, and is a past member of Lions Club International, serving in various roles.

Ron enjoys working on landscape projects and home improvements and being active…from working out at the gym to snow shoeing, hiking, mountain biking, and exploring all that Idaho has to offer!