Exhibit 5 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned hereby agree to the joint filing on behalf of each of them of a statement on Schedule 13D (including amendments...

                                                                     Exhibit 5


                            JOINT FILING AGREEMENT

In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as
amended, the undersigned hereby agree to the joint filing on behalf of each of
them of a statement on Schedule 13D (including amendments thereto) with
respect to the Common Stock of Affirmative Insurance Holdings, Inc, and that
this Agreement be included as an Exhibit to such joint filing.

IN WITNESS WHEREOF, the undersigned hereby execute this Agreement this 30th
day of June, 2005.


DSC AFFM MANAGER LLC

By:  /s/ Xxxxxx X. Xxxxx
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     Name:  Xxxxxx X. Xxxxx
     Title: Authorized Person


XXXXXX X. XXXXX

/s/ Xxxxxx X. Xxxxx
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