Document:

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                                                                     Exhibit 4.1

                             [FACE OF CERTIFICATE]

   INCORPORATED UNDER THE LAWS
   OF THE STATE OF DELAWARE                                         COMMON STOCK

                                          PAR VALUE OF $.01

 NUMBER                                                                   SHARES

                                CUSIP 90333H101
                      SEE REVERSE FOR CERTAIN DEFINITIONS

                                   [PICTURE]

                          U.S.I. HOLDINGS CORPORATION

   This is to Certify that:

   is the owner of

            FULLY PAID AND NON-ASSESSABLE SHARES OF THE COMMON STOCK OF

                U.S.I. Holdings Corporation (hereinafter called the
        "Corporation") transferable on the books of the Corporation by the
        holder hereof in person or by duly authorized attorney upon surrender
        of this certificate properly endorsed. This certificate and the shares
        represented hereby are issued and shall be held subject to all the
        provisions of the Certificate of Incorporation and By-Laws of the
        Corporation and to all amendments thereto, copies of which are on file
        in the office of the Transfer Agent to all of which the holder by
        acceptance hereof assents. This certificate is not valid unless
        countersigned by the Transfer Agent and registered by the Registrar.

                IN WITNESS WHEREOF, the Corporation has caused this certificate
        to be signed by its duly authorized officers and its corporate seal to
        be hereunto affixed.

        DATED:

                                        COUNTERSIGNED AND REGISTERED:
                                            MELLON INVESTOR SERVICES LLC
                                                            TRANSFER AGENT
                                                                AND REGISTRAR,

                                        BY

                                                AUTHORIZED SIGNATURE.

        PRESIDENT             SECRETARY AND TREASURER

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                             [BACK OF CERTIFICATE]

                          U.S.I. Holdings Corporation

The Corporation will furnish without charge to each stockholder who so requests
of the secretary of the Corporation at its principal place of business the
powers, designations, preferences and relative, participating, optional or other
special rights of each class of stock or series thereof which the Corporation is
authorized to issue, and the qualifications, limitations or restrictions of such
preferences and/or rights.

                        --------------------------------

   KEEP THIS CERTIFICATE IN A SAFE PLACE. IF IT IS LOST, STOLEN OR DESTROYED
     THE CORPORATION WILL REQUIRE A BOND OF INDEMNITY AS A CONDITION TO THE
                     ISSUANCE OF A REPLACEMENT CERTIFICATE.

     The following abbreviations, when used in the inscription on the face of
this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

<TABLE>
<S>                                             <C>
TEN COM - as tenants in common                  UNIF TRNSFRS MIN ACT-______ Custodian _________
TEN ENT - as tenants by the entireties                               (Cust)            (Minor)
JT TEN  - as joint tenants with right of        under Uniform Transfers to Minors
          survivorship and not as tenants              Act ____________
          in common                                          (State)
</TABLE>
    Additional abbreviations may also be used though not in the above list.

For value received, ___________ hereby sell, assign and transfer unto

PLEASE INSERT SOCIAL SECURITY OR
    OTHER IDENTIFYING NUMBER
         OF ASSIGNEE

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PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING POSTAL ZIP CODE OF ASSIGNEE

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________________________________________________________________________________

of the capital stock represented by the within Certificate and do hereby

irrevocably constitute and appoint _____________________________________________

Attorney to transfer the said stock on the books of the within-named Corporation
with full power of substitution in the premises.

Dated __________.

                              SIGNATURE_________________________________________
                                       THE SIGNATURE TO THIS ASSIGNMENT MUST
                              NOTICE:  CORRESPOND WITH THE NAME AS WRITTEN UPON
                                       THE FACE OF THE CERTIFICATE IN EVERY
                                       PARTICULAR WITHOUT ALTERATION OR
                                       ENLARGEMENT OR ANY CHANGE WHATEVER.

                                       -----------------------------------------
                                       THE SIGNATURE(S) SHOULD BE
                                       GUARANTEED BY AN ELIGIBLE
                                       GUARANTOR INSTITUTION
                                       (BANKS, STOCKBROKERS,
                                       SAVINGS AND LOAN ASSOCI-
                                       ATIONS AND CREDIT UNIONS
                                       WITH MEMBERSHIP IN AN
                                       APPROVED SIGNATURE
                                       GUARANTEE MEDALLION
                                       PROGRAM), PURSUANT TO SEC
                                       RULE 17Ad-15
                                       SIGNATURE(S) GUARANTEED BY:
                                       -----------------------------------------<PAGE>
                                                                   Exhibit 10.31

                           U.S.I. HOLDINGS CORPORATION
                         2000 MANAGEMENT INCENTIVE PLAN

SECTION 1. Purpose.

The purposes of this Management Incentive Plan (the "Plan") are to (i) attract,
motivate and retain key executives who are eligible to participate in the Plan,
(ii) focus executives on key drivers of financial and operational success for
the Company's strategy, (iii) motivate behaviors and reward outcomes which
contribute to the attainment of short-term strategic goals, and (iv) effectively
link pay and performance of executives; and thereby promote the short-term and
long-term financial interest of the Company and enhance stockholder return.

SECTION 2. Administration.

         (a) Committee of the Board of Directors. The Plan shall be administered
by the Compensation Committee of the Board of Directors or, if no Compensation
Committee has been appointed, by the Board of Directors. The Committee shall
consist of one or more members of the Board of Directors who have been appointed
by the Board of Directors. The Committee shall have such authority and be
responsible for such functions as the Board of Directors has assigned to it. Any
reference to the Board of Directors in the Plan shall be construed as a
reference to the Committee (if any) to whom the Board of Directors has assigned
a particular function.

         (b) Authority of the Board of Directors. Subject to the provisions of
the Plan, the Board of Directors shall have full authority and discretion to
take any actions it deems necessary or advisable for the administration of the
Plan. All decisions, interpretations and other actions of the Board of Directors
shall be final and binding on Eligible Persons.

SECTION 3. Eligibility.

The persons eligible to receive bonuses under the Plan ("Eligible Persons") will
be those executive or managerial Employees of the Company whom the Board of
Directors may, in its discretion from time to time, designate as eligible to be
considered for bonuses under the Plan. More than one bonus may be awarded to an
Eligible Person. Bonuses may be awarded under the Plan as alternatives to, or
replacements of, cash bonuses or equity grants outstanding under any other plan,
agreement or arrangement of the Company.

SECTION 4. Cash Bonus Awards.

         (a) Performance Goals and Criteria. The Board of Directors may, but
shall not be required to, announce performance goals, standards or other
criteria relating to the awarding of bonuses under the Plan, and announce
changes in such criteria.

         (b) Awards. The Board of Directors may award a cash bonus to any
Eligible Person, in such amount, and payable at such time and in such manner, as
the Board of Directors may

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determine in its discretion. No announcement of any performance goals or other
criteria shall bind the Board of Directors to award bonuses in accordance with
the announcement or in any other manner limit the discretion of Board of
Directors to set the amount of, or decline to award, bonuses under the Plan.

         (c) Withholding Taxes. The payment of a bonus to an Eligible Person
shall be subject to federal, state, local or foreign withholding tax obligations
that may arise in connection with such payment.

SECTION 5. No Rights to Continued Employment.

Nothing in the Plan or in any announcement or award made with reference to or
under the Plan shall confer upon any Employee any right to continue to be
employed for any period of specific duration or interfere with or otherwise
restrict in any way the rights of the Company (or any Parent or Subsidiary
employing the Employee), which rights are hereby expressly reserved by each, to
terminate the Employee's employment at any time and for any reason, with or
without cause.

SECTION 6. Duration and Amendments.

         (a) Term of the Plan. The Plan, as set forth herein, shall become
effective on the date of its adoption by the Board of Directors. The Plan shall
terminate automatically 10 years after its adoption by the Board of Directors
and may be terminated on any earlier date pursuant to Subsection (b) below.

         (b) Right to Amend or Terminate the Plan. The Board of Directors may
amend, suspend or terminate the Plan at any time and for any reason; provided
that no such amendment, suspension or termination shall adversely affect any
bonuses previously awarded to an Eligible Person, without the Eligible Person's
consent.

SECTION 7. Definitions.

         (a) "Board of Directors" shall mean the Board of Directors of the
Company, as constituted from time to time.

         (b) "Committee" shall mean a committee of the Board of Directors, as
described in Section 2(a).

         (c) "Company" shall mean U.S.I. Holdings Corporation, a Delaware
corporation.

         (d) "Eligible Person" shall have the meaning set forth in Section 3 of
this Plan.

         (e) "Employee" shall mean any individual who is a common-law employee
of the Company, a Parent or a Subsidiary.

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         (f) "Parent" shall mean any corporation (other than the Company) in an
unbroken chain of corporations ending with the Company, if each of the
corporations other than the Company owns stock possessing 50% or more of the
total combined voting power of all classes of stock in one of the other
corporations in such chain. A corporation that attains the status of a Parent on
a date after the adoption of the Plan shall be considered a Parent commencing as
of such date.

         (g) "Plan" shall mean the U.S.I. Holdings Corporation 1999 Management
Incentive Plan.

         (h) "Subsidiary" means any corporation (other than the Company) in an
unbroken chain of corporations beginning with the Company, if each of the
corporations other than the last corporation in the unbroken chain owns stock
possessing 50% or more of the total combined voting power of all classes of
stock in one of the other corporations in such chain. A corporation that attains
the status of a Subsidiary on a date after the adoption of the Plan shall be
considered a Subsidiary commencing as of such date.

SECTION 8. Execution.

To record the adoption of the Plan by the Board of Directors, the Company has
caused its authorized officer to execute the same.

                                      U.S.I. HOLDINGS CORPORATION, a Delaware
                                      Corporation

                                      By: David L. Eslick
                                          ------------------------------------

                                      Title: Chief Executive Officer
                                             ---------------------------------

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