Document:

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                                                                    EXHIBIT 10.6

                       FIFTH AMENDMENT TO CREDIT AGREEMENT
                       -----------------------------------

          FIFTH AMENDMENT TO CREDIT AGREEMENT (this "Amendment"), dated as of
December 31, 2001, among U.S.I. HOLDINGS CORPORATION, a Delaware corporation
(the "Borrower"), the various lenders from time to time party to the Credit
Agreement referred to below (the "Lenders"), CREDIT LYONNAIS CAYMAN ISLAND
BRANCH, as Administrative Agent (the "Administrative Agent") and JPMORGAN CHASE
BANK (f/k/a The Chase Manhattan Bank), as Syndication Agent (the "Syndication
Agent"). All capitalized terms used herein and not otherwise defined shall have
the respective meanings assigned to such terms in the Credit Agreement.

                              W I T N E S S E T H:
                              - - - - - - - - - -

          WHEREAS, the Borrower, the Lenders, the Administrative Agent and the
Syndication Agent are parties to a Credit Agreement, dated as of September 17,
1999 (as amended, modified or supplemented to the date hereof, the "Credit
Agreement");

          WHEREAS, the Borrower has requested that the Lenders agree to amend
certain provisions of the Credit Agreement as herein provided; and

          WHEREAS, the Lenders have agreed to the amendments to the Credit
Agreement as herein provided, subject to the terms and conditions set forth
herein;

          NOW, THEREFORE, the parties hereto agree as follows:

          1. Schedule 1.1(e) of the Credit Agreement is hereby amended by
appending Exhibit A hereto.

          2. Section 7.1 of the Credit Agreement is hereby amended by:

          (i) deleting the table appearing in subsection (a) in its entirety and
inserting in lieu thereof the following new table:

Date                          Ratio
----                          -----
March 31, 2000                 4.85
June 30, 2000                  4.75
September 30, 2000             4.50
December 31, 2000              4.25
March 31, 2001                 3.75
June 30, 2001                  4.00
September 30, 2001             4.00
December 31, 2001              4.25
March 31, 2002                4.375
June 30, 2002                 4.125
September 30, 2002             3.95

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Date                          Ratio
----                          -----
December 31, 2002              3.75
March 31, 2003 and the
last day of each fiscal
quarter thereafter             3.25

          (ii) deleting the table appearing in subsection (b) in its entirety
and inserting in lieu thereof the following new table:

Date                          Ratio
----                          -----
March 31, 2000                 1.65
June 30, 2000                  1.75
September 30, 2000             2.25
December 31, 2000              2.25
March 31, 2001                 2.25
June 30, 2001                  2.25
September 30, 2001             2.25
December 31, 2001              2.25
March 31, 2002                 2.25
June 30, 2002                  2.25
September 30, 2002             2.50
December 31, 2002              3.00
March 31, 2003 and the
last day of each fiscal
quarter thereafter             3.00

          (iii) deleting the table appearing in subsection (c) in its entirety
and inserting in lieu thereof the following new table:

Date                           Ratio
----                           -----
March 31, 2000                no test
June 30, 2000                 no test
September 30, 2000            no test
December 31, 2000             no test
March 31, 2001                no test
June 30, 2001                 no test
September 30, 2001            no test
December 31, 2001             no test
March 31, 2002                no test
June 30, 2002                 no test
September 30, 2002            no test
December 31, 2002             no test
March 31, 2003                 1.35
June 30, 2003                  1.35
September 30, 2003             1.35

                                       -2-

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Date                           Ratio
----                           -----
December 31, 2003             no test
March 31, 2004                no test
June 30, 2004                 no test
September 30, 2004            no test

          (iv) deleting the table appearing in subsection (d) in its entirety
and inserting in lieu thereof the following new table:

Fiscal Quarter                   Amount
--------------                   ------
March 31, 2000                $190,000,000
June 30, 2000                 $190,000,000
September 30, 2000            $190,000,000
December 31, 2000             $190,000,000
March 31, 2001                $185,000,000
June 30, 2001                 $175,000,000
September 30, 2001            $170,000,000
December 31, 2001             $125,000,000
March 31, 2002                $107,000,000
June 30, 2002                 $107,000,000
September 30, 2002            $107,000,000
December 31, 2002             $107,000,000
March 31, 2003                $250,000,000
June 30, 2003                 $250,000,000
September 30, 2003            $250,000,000
December 31, 2003             $250,000,000
March 31, 2004                $250,000,000
June 30, 2004                 $250,000,000
September 30, 2004            $250,000,000

          (v) deleting the word "and" appearing at the end of subsection
(e)(iii) and inserting a comma in lieu thereof; and

          (vi) inserting at the beginning of subsection (e)(iv) before the
phrase "during each subsequent fiscal year, 3.5% of the Borrower's consolidated
total revenues (determined in accordance with GAAP) for its immediately
preceding fiscal year" the following:

          "during fiscal year 2002, $14,000,000 and (v)".

          3. The Borrower hereby represents and warrants that (x) all
representations and warranties contained in Section 4 of the Credit Agreement
are true and correct in all material respects on and as of the Fifth Amendment
Effective Date (as defined below) after giving effect to this Amendment (unless
such representations and warranties relate to a specific earlier date, in which
case such representations and warranties shall be true and correct as of such
earlier date)

                                      -3-

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and (y) there exists no Default or Event of Default on the Fifth Amendment
Effective Date, after giving effect to this Amendment.

          4. This Amendment is limited as specified and shall not constitute a
modification, acceptance or waiver of any provision of the Credit Agreement or
any other Loan Document except as expressly set forth herein.

          5. This Amendment may be executed in any number of counterparts and by
the different parties hereto on separate counterparts, each of which
counterparts when executed and delivered shall be an original, but all of which
shall together constitute one and the same instrument. A complete set of
counterparts shall be lodged with the Borrower and the Administrative Agent.

          6. THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES
HEREUNDER SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAW OF THE
STATE OF NEW YORK.

          7. This Amendment shall become effective as of the date hereof on the
date (the "Fifth Amendment Effective Date") when each of the Borrower and the
Required Lenders shall have signed a counterpart hereof (whether the same or
different counterparts) and shall have delivered (including by way of facsimile
transmission) the same to the Administrative Agent at its notice office, shall
have been signed by the parties thereto.

          8. From and after the Fifth Amendment Effective Date, all references
in the Credit Agreement and each of the Loan Documents to the Credit Agreement
shall be deemed to be references to the Credit Agreement after giving effect to
this Amendment.

                                      * * *

                                       -4-

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          IN WITNESS WHEREOF, the parties hereto have caused a counterpart of
this Amendment to be duly executed and delivered as of the date first above
written.

                                            U.S.I. HOLDINGS CORPORATION

                                            By /s/ Bernard H. Mizel
                                               ---------------------------------
                                               Name: Bernard H. Mizel
                                               Title: Chairman & CEO

                                            CREDIT LYONNAIS CAYMAN ISLAND
                                              BRANCH

                                            By /s/ W. Michael George
                                               ---------------------------------
                                               Name: W. Michael George
                                               Title: Authorized Signature

                                            JPMORGAN CHASE BANK

                                            By /s/ Elisabeth H. Schwabe
                                               ---------------------------------
                                               Name: Elisabeth H. Schwabe
                                               Title: Managing Director

                                            FIRSTAR BANK, N.A.

                                            By
                                               ---------------------------------
                                               Name:
                                               Title:<PAGE>

                                                                    Exhibit 10.7

                 SIXTH AMENDMENT AND CONSENT TO CREDIT AGREEMENT
                 -----------------------------------------------

          SIXTH AMENDMENT AND CONSENT TO CREDIT AGREEMENT (this "Sixth
Amendment"), dated as of April 16, 2002, among U.S.I. HOLDINGS CORPORATION, a
Delaware corporation (the "Borrower"), the various lenders from time to time
party to the Credit Agreement referred to below (the "Lenders"), CREDIT LYONNAIS
CAYMAN ISLAND BRANCH, as Administrative Agent (the "Administrative Agent") and
JPMORGAN CHASE BANK (f/k/a The Chase Manhattan Bank), as Syndication Agent (the
"Syndication Agent"). All capitalized terms used herein and not otherwise
defined shall have the respective meanings assigned to such terms in the Credit
Agreement.

                              W I T N E S S E T H:
                              - - - - - - - - - -

          WHEREAS, the Borrower, the Lenders, the Administrative Agent and the
Syndication Agent are parties to a Credit Agreement, dated as of September 17,
1999 (as amended, modified or supplemented to the date hereof, the "Credit
Agreement");

          WHEREAS, the Lenders hereto wish to provide for certain consents to
the Credit Agreement and the parties hereto wish to amend the Credit Agreement,
in each case as herein provided;

          NOW, THEREFORE, subject to the terms and conditions of this Sixth
Amendment, the parties hereto agree as follows:

I.   Amendments and Consents
     -----------------------

          1. Notwithstanding anything to the contrary contained in Section 7.6
and 7.8 of the Credit Agreement, USIS shall be permitted to sell all of the
issued and outstanding capital stock of USI Care Management, Inc., Texas
Professional Administrators, Inc. and USI Prescription Benefits Management Co.
(the "Transferred Subsidiaries") to CBCA, Inc. ("CBCA") (the "Proposed Sale"),
on the terms and conditions previously disclosed to the Lenders in the Stock
Purchase Agreement by and among CBCA, the Borrower, USIS and the Transferred
Subsidiaries, dated as of April 1, 2002 (the "Stock Purchase Agreement"),
provided that (i) the Proposed Sale is an arm's length transaction and is for
--------
fair market value (as determined in good faith by the USIS), (ii) at the closing
of the Proposed Sale USIS receives (x) Net Proceeds (which term as used in this
Sixth Amendment, for the purposes of Section 3.1(b)(i)(A) of the Credit
Agreement, shall take into account the deductions, estimates of which are set
forth on Schedule I attached hereto) in an amount equal to $16.3 million in cash
(the "Closing Cash Payment") and (y) a secured non-negotiable subordinated
promissory note from CBCA (the "CBCA Note") with a principal amount equal to the
Deferred Payment Amount (as defined in the Stock Purchase Agreement), it being
understood and agreed that the CBCA Note shall be (A) guaranteed and secured on
the terms and conditions previously disclosed to the Lenders in the guaranty and
security agreements presented to the Lenders and (B) pledged to the Lenders
pursuant to the terms of the Subsidiary Pledge and Security Agreement and (iii)
100% of the (x) Closing Cash Payment and (y) Net Proceeds from the Deferred
Payment Amount

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(which, assuming satisfaction of applicable performance thresholds is estimated
to be at least $6.2 million), in each case, shall be applied immediately upon
the receipt thereof by USIS to repay the Term Loans in accordance with Section
3.1(b)(i)(A) of the Credit Agreement. In the event that the Net Proceeds of the
Proposed Sale received at the closing exceed $16.3 million, the such excess
proceeds shall be applied to repay the Term Loans in accordance with Section
3.1(b)(i)(A) of the Credit Agreement within three business days following
receipt, it being understood and agreed that such application is not a condition
precedent to consummation of the Proposed Sale.

          2. Section 7.6 of the Credit Agreement is hereby amended by inserting
the following paragraph at the end of said Section:

     "To the extent the Required Lenders (or all the Lenders to the extent
     required by Section 10.1) waive the provisions of this Section 7.6 with
     respect to the disposition of any Collateral, or any Collateral is disposed
     of as permitted by this Section 7.6, (i) such Collateral in each case shall
     be sold free and clear of the Liens in favor of the Secured Party created
     by the Security Documents and (ii) if such Collateral includes all of the
     capital stock of a Subsidiary, such capital stock shall be released from
     the Borrower Pledge and Security Agreement or the Subsidiary Pledge and
     Security Agreement, as the case may be; and the Administrative Agent and
     the Secured Party shall be authorized to take such actions as the
     Administrative Agent or the Secured Party reasonably deems appropriate in
     connection therewith."

II.  Miscellaneous
     -------------

          1. The Borrower hereby represents and warrants that (x) all
representations and warranties contained in Section 4 of the Credit Agreement
are true and correct in all material respects on and as of the Amendment
Effective Date (as defined below) after giving effect to this Sixth Amendment
(unless such representations and warranties relate to a specific earlier date,
in which case such representations and warranties shall be true and correct as
of such earlier date) and (y) there exists no Default or Event of Default on the
Amendment Effective Date, after giving effect to this Sixth Amendment.

          2. This Sixth Amendment is limited as specified and shall not
constitute a modification, acceptance or waiver of any provision of the Credit
Agreement or any other Loan Document except as expressly set forth herein.

          3. This Sixth Amendment may be executed in any number of counterparts
and by the different parties hereto on separate counterparts, each of which
counterparts when executed and delivered shall be an original, but all of which
shall together constitute one and the same instrument. A complete set of
counterparts shall be lodged with the Borrower and the Administrative Agent.

          4. THIS SIXTH AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES
HEREUNDER SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAW OF THE
STATE OF NEW YORK.

<PAGE>

          5. This Sixth Amendment shall become effective as of the date hereof
on the date (the "Amendment Effective Date") when each of the Borrower and the
Required Lenders shall have signed a counterpart hereof (whether the same or
different counterparts) and shall have delivered (including by way of facsimile
transmission) the same to the Administrative Agent at its notice office, shall
have been signed by the parties thereto.

          6. From and after the Amendment Effective Date, all references in the
Credit Agreement and each of the Loan Documents to the Credit Agreement shall be
deemed to be references to the Credit Agreement after giving effect to this
Sixth Amendment.

                                     * * *

<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused a counterpart of
this Sixth Amendment to be duly executed and delivered as of the date first
above written.

                                       U.S.I. HOLDINGS CORPORATION

                                       By /s/ Illegible
                                         ---------------------------------------
                                          Name: Illegible
                                          Title: Treasurer

                                       CREDIT LYONNAIS CAYMAN ISLAND
                                         BRANCH

                                       By /s/ Michael George
                                         ---------------------------------------
                                          Name:  W. Michael George
                                          Title: Authorized Signature

                                       JPMORGAN CHASE BANK

                                       By /s/ Elisabeth H. Schwabe
                                         ---------------------------------------
                                          Name:  Elisabeth H. Schwabe
                                          Title: Managing Director

                                       FIRSTAR BANK, N.A

                                       By
                                         ---------------------------------------
                                          Name:
                                          Title:

<PAGE>

                                       LASALLE BANK NATIONAL
                                         ASSOCIATION

                                       By
                                         ---------------------------------------
                                          Name:
                                          Title:

                                       PILGRIM PRIME RATE TRUST

                                       By: Pilgrim Investments, Inc.
                                           as its investment manager

                                       By
                                         ---------------------------------------
                                          Name:
                                          Title:

                                       PILGRIM AMERICA HIGH INCOME
                                         INVESTMENTS, LTD.

                                       By: Pilgrim Investments, Inc.
                                           as its investment manager

                                       By
                                         ---------------------------------------
                                          Name:
                                          Title:

<PAGE>

                                                                      SCHEDULE I
                                                                      ----------

USI Holdings

Net Proceeds from Sale of USIA
($ in millions)
                                                           $Amount
Upfront Payment:
---------------
  Proceeds from Sale                                         $24.0
  Less: Estimated Working Capital Adj.                        (2.0)(a)
  Less: Repayment of Seller Notes                             (4.5)
  Less: Investment Banking Fee                                (0.6)
  Less: Retention Plan (1st Installment)                      (0.3)(b)
  Less: Attorney Fees & Other Misc                            (0.3)
               Net Proceeds to Repay Bank Debt               $16.3

Deferred Payment:
----------------
  Proceeds from Sale                                         $13.0
  Less: Estimated Working Capital Adj.                        (2.0)
  Less: Capital Leases Assumed                                (2.5)
  Less: Mgmt Sale Bonus                                       (1.0)
  Less: Retention Plan (2nd Installment)                      (0.3)(b)
  Less: Potential Max Severance Liability                     (2.0)(c)
  Less: Potential Est. E&O Claims                              1.0
               Net Proceeds to USI                           $ 6.2

(a)  Document is currently drafted such that this portion of working capital
     deficit will be netted from deferred payment; however, we expect that the
     buyer upon audit of balance sheet will challenge this.

(b)  Pennington retention payment paid 50% at closing and 50% on the six month
     anniversary.

(c)  We have agreed to assume 50% of severance obligations that arise from
     terminations in first year based on employment agreements currently in
     place. Estimated maximum exposure is noted here.

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