Careers
Modern, data-driven NJ Medicare agency. Two compensation models — pick the one that fits your stage. In-person training, full in-house team (analytics + tech + AI + ML), and a CRM built for NJ producers — included either way.
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What You Get
Pre-set appointments, $500/mo marketing reimbursement, T-65 seminars, full tech stack, E&O.
Onboarding
30-day ramp with carrier contracting, AHIP, and Yumi CRM training built in.
Compensation
1099 contractor model. Carrier first-year + renewal commissions. Quarterly bonus opportunity.
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Licensed NJ producers — Medicare, ACA, supplemental. Tell us about your book.
What only Yumi has
Built like a modern agency — backed by a real team
Most FMOs hand you a generic CRM and a contracting packet. Yumi is staffed like a tech-and-data company that happens to sell insurance. The CRM you log into every day, the leads you receive, the plan recommendations you show clients — every one of them is built and tuned by our own teams in NJ. That's the difference.
In-Person Training + In-Person Service
Live coaching sessions and ride-alongs in NJ — not Zoom-only training that you click through and forget. Senior producers shadow you in the field, debrief between appointments, and stay on call when something goes sideways during enrollment. Service you can drive to.
In-House Data Analytics Team
Agent-facing dashboards, county-level lead opportunity maps, churn-and-retention scoring, market sizing per ZIP, conversion funnel analysis — your sales motion is measured and tuned, not guessed at. Reports drop into your inbox before AEP so you walk in knowing exactly where to hunt.
In-House Tech Development Team
Yumi CRM isn't white-labeled software. Our engineers ship new features every week — whatever you need to close more cases gets prioritized and built. You don't file a ticket with a vendor; you tell us, we build it.
In-House AI Development Team
Yumi AI is built into your workflow — AI assistant for lead context, AI-drafted client follow-up emails, AI-summarized SNP/Part D screening. The same models the rest of the industry pays Salesforce $200/seat for — included at no cost.
Yumi AI Per-Lead Talking Points
Open any lead and Yumi AI reads their full profile — medications, conditions, providers, Medicaid status, drug coverage outlook, SNP eligibility — and generates the exact talking points for that conversation. Walk into every call already knowing what matters to that specific consumer.
In-House Machine Learning Team
Propensity scoring on every lead so the hot ones surface first. Plan-fit recommendations ranked by your client's drug list, doctors, and Medicaid status. Lead-quality models so we route the highest-converting leads to the right agent. You sell what models tell you will close.
Data-Driven, Modern Agency
Every decision — which carrier to push, which county to market in, which messaging works — is run against real numbers from our own pipeline. Compare that to legacy FMOs running on tribal knowledge from 2008. We're built for how Medicare actually sells in 2026.
Most agencies promise the leads, the tech, and the support. We staff the teams that actually build them.
20+
Carrier Contracts
45%+
Pre-Set Appt Close Rate
1 hr
Hot Lead SLA
$500/mo
Marketing Reimbursement (both tracks)
Compensation
Two tracks. Pick the one that fits your stage.
Newer agents typically want everything covered so they can focus on selling without out-of-pocket spend. Established producers usually want maximum commission and to manage their own marketing budget. Yumi supports both — switch tracks later if your situation changes.
Commission split — Yumi takes a share
Best for newer agents and anyone who wants zero out-of-pocket spend. Yumi covers all marketing, tech, leads, training, and back-office costs — you write business, we handle everything else.
- All marketing costs covered (paid ads, mailers, events, materials)
- All tech costs covered (CRM, Sunfire, formulary tools, AI features)
- Pre-set Medicare appointments at no charge
- T-65 seminar attendance driven for you
- Full back-office (contracting, AHIP, E&O, compliance, renewals)
- $500/mo marketing reimbursement still available on top
- Switch to Track B any time without re-onboarding
Who picks this: New to Medicare, transitioning from another carrier track, or just want someone else to handle marketing logistics.
You keep 100% — $500/mo reimbursement only
Best for established producers with their own pipeline and marketing motion. Keep every dollar of carrier commission. Yumi still backs you with $500/mo for marketing receipts, the full tech stack, and in-person support — you cover anything beyond.
- 100% of carrier first-year + renewal commission to you
- $500/mo marketing reimbursement (submit receipts monthly)
- Full Yumi CRM + Sunfire + AI features included at no charge
- Carrier Marketing Funds passthrough (AEP / OEP allocations)
- In-person training, compliance support, E&O coverage included
- You fund: extra advertising, premium tools, event booth fees, etc.
- Switch to Track A any time without re-onboarding
Who picks this: Seasoned Medicare producer with own pipeline, established marketing presence, or moving from an FMO where you ran your own book.
Same agreement, two compensation schedules. You decide on the application — and you're free to renegotiate the track each contract year if your business model changes.
What We Provide
Everything you need — from day one.
We've built the full infrastructure so you don't have to. Leads, tools, training, carrier contracts, compliance, and back-office support — all included when you join the Yumi Health team.
$500/Month Marketing Reimbursement
No production requirements to start. Submit paid receipts monthly — digital ads, mailers, events, printed materials, anything Medicare marketing related — and we reimburse up to $500. Available to all agents from day one.
Carrier Marketing Funds
We pass through carrier-funded co-op marketing dollars to agents across our Medicare Advantage carrier roster. Majority of funding flows before AEP — with additional pools available during OEP and Lock-in. First-come, first-served allocation.
Case-by-Case Expense Reimbursements
Beyond the standard $500/month, we offer case-by-case reimbursements for larger Medicare sales expenses — mobile sales setups, monthly office rental, monthly stipends, event booth fees, and other approved Medicare marketing costs.
Qualified Inbound Leads — Not Aged Lists
Leads come from our website, partner referrals, and community channels — already pre-screened by our intake quiz with coverage type, eligibility, household size, and contact preferences captured. SLA-tiered: hot leads routed to you within one hour.
Pre-Set Medicare Appointments
Appointments are pre-scheduled for you by our intake team — you show up, present, and close. Our pre-set program currently runs a 45%+ close ratio. Stop spending your day dialing cold leads and spend it in front of qualified prospects.
Turn-Key T-65 Medicare Seminar Program
We run Medicare educational seminars averaging 50+ T-65 prospects per event — and we drive all attendance on your behalf. You present and enroll. No list-buying, no door-knocking, no room logistics. Just you and a room full of people turning 65.
Marketing Engine That Generates Pipeline
Dedicated marketing team running paid search, social, community outreach, and senior center events across NJ. Co-branded materials, business cards, flyers, and translated collateral provided — you don't pay a dime for marketing.
Data-Driven Lead Routing
Real-time dashboards, NJ county-level heat maps showing where your leads cluster, funnel conversion analytics, and renewal rate tracking. We route the right lead to the right agent based on coverage type, location, and language preference.
Modern CRM Built for Health Insurance
Pipeline view, calendar, lead scoring, application tracking, document management, renewal alerts, and a real-time NJ heat map — all in one place, all included. No third-party CRM seat to pay for.
AI-Powered Productivity Tools
Built-in AI handles call summaries, drafts client follow-up emails, suggests next-step replies in your message threads, and turns intake quiz answers into a ranked plan recommendation in seconds — spend more time selling, less time charting.
Sunfire Matrix & Multi-Carrier Quoting
Quote and enroll across Medicare Advantage, Part D, and Medigap through Sunfire Matrix — formulary lookup, provider lookup, side-by-side comparisons, and e-signature enrollment all in one session. CSG and FEX access for Medicare Supplement and Final Expense quoting.
Marketing Material Design
Our design team creates custom flyers, landing pages, presentations, social content, and print materials on your behalf. You ask, we produce — CMS-compliant and ready to deploy.
Full Training — Classroom & In the Field
Structured onboarding with product training, sales coaching, and scripts. Then real field training alongside senior producers — we ride along, debrief, and coach until you're confident. AHIP certification reimbursed. NJ CE credits supported.
E&O Coverage & Compliance Support
Errors & omissions insurance included at no cost. CMS marketing compliance reviewed in-house, scope of appointment workflows automated, and a dedicated full-time compliance officer available for tricky cases and new CMS rule updates year-round.
Back-Office & Licensing Support
Carrier appointments, licensing transfers, commission tracking, chargeback resolution, and contract administration handled by our ops team. You focus on clients — we handle the paperwork.
20+ Top-Rated Carrier Contracts
Day-one access to our full carrier roster — Horizon BCBSNJ, AmeriHealth NJ, Aetna, UnitedHealthcare, Humana, Wellcare, Cigna, Mutual of Omaha, Delta Dental, VSP, Aflac, and more. Sell what's right for the client.
FMO-Level Override Structure for Agencies
Established agencies and high-producing teams can access override levels up to FMO. We have the contracts and the volume to support agency hierarchy — downline agents, sub-agents, and multi-tier override structures accommodated.
Renewal & Retention Support
Automated renewal alerts, annual review workflows, and a back-office team that handles retention outreach so your clients stay. Your production is tracked, your commissions are protected, and your renewals are credited to you.
Agency Vehicle Access
Branded agency vehicles available by appointment for in-home Medicare visits, senior center events, and community outreach. Save the wear on your personal car when driving across Bergen, Hudson, or Essex County.
Tools & Technology
Everything you need, included at no cost.
Most agencies hand you a carrier login and wish you luck. Our agents get a full practice management platform — quoting, compliance, client management, and marketing — built specifically for NJ health insurance producers.
NJ Market Research
Carrier disruption tracking, county-level lead opportunity maps, 2027 AEP carrier previews, and OEP calendars — updated regularly so you always know what's happening in the NJ market.
Practice Management CRM
One login for leads, clients, applications, renewals, appointments, documents, and tasks. No separate tools or subscription fees — everything your practice needs in a single place.
Sunfire Matrix Quoting
Full quoting platform access — Medicare Advantage, Part D, and Medigap comparisons with formulary lookup, provider search, and e-signature enrollment. CSG and FEX for Medicare Supplement and Final Expense.
Call Recording
Calls are automatically logged and recorded via RingCentral with NJ two-party consent handled at the system level. Recordings are stored per-client — ready for any CMS audit or E&O review.
CMS Compliance Tools
Electronic Scope of Appointment with 48-hour countdown, CMS-approved marketing templates, AHIP tracking, and a compliance calendar for every AEP/OEP deadline. Your compliance officer handles edge cases.
HIPAA-Compliant Data Handling
Client data is encrypted at rest and in transit. Agents only see their own book. Full audit logs on every access. Secure client portal for document exchange — no emailing insurance cards over open channels.
Automated Client Outreach
Birthday outreach, renewal reminders, T-65 campaigns, and AEP broadcasts are pre-built and CMS-compliant. The system reaches your clients at the right time — no manual follow-up required.
Smart Client Tools
Client summaries show you where each client stands before a call. Coverage gap alerts highlight cross-sell opportunities. Market research reports pull current NJ data in seconds rather than hours of manual research.
Client Self-Service Portal
Each client gets a secure portal to view their policies, upload documents, and message their agent. Fewer inbound calls, and your book stays organized without extra admin work on your end.
Everything above is included at no cost. No monthly SaaS fees, no seat licenses, no per-user charges. You get the full platform from day one.
Carrier Roster
Day-one access to NJ's top-rated carriers
As an independent brokerage we represent the carriers below across every major line of health-related insurance written in New Jersey.
Medicare Advantage & Part D
Medicare Supplement (Medigap)
ACA Marketplace (Get Covered NJ)
Dental, Vision & Supplemental
Carrier appointments and licensing transfers facilitated by our back-office team.
Transparency First
Book of business — what's yours vs. ours
We believe in upfront clarity. Here's exactly how client ownership works at Yumi Health.
Your Pre-Existing Clients — Yours to Keep
Policies you independently sold before joining Yumi — not sourced through our leads, CRM, marketing, or carrier appointments — are documented as your Pre-Existing Book at onboarding. Those clients belong to you. If you ever leave, you take them with you.
Renewal commissions on your pre-existing book:
Yumi may earn a separate carrier-paid FMO administrative override — paid by the carrier, not from your commission.
Documented at onboarding with a signed pre-existing book schedule. Clients not listed at onboarding are not covered.
One exception — when Yumi drives new business from your existing clients:
If a client from your pre-existing book is re-enrolled, switches plans, or is cross-sold a new product through a Yumi-sourced lead, Yumi marketing campaign, or Yumi-facilitated carrier appointment, that specific transaction creates an Agency client relationship for the new enrollment. Using Yumi's CRM for routine servicing, notes, or renewal reminders on your existing clients does not affect ownership.
New Clients Through Yumi — Agency Asset
Clients you enroll using Yumi's leads, CRM, carrier appointments, or any Agency infrastructure belong to Yumi Health Group. You earn your tier % of commissions and renewals for every year they stay enrolled — but when you leave, those client relationships stay with the agency.
Example: renewal commissions on new clients (NJ MA, 2026 CMS rates):
Example only — actual amounts vary by carrier, product, and CMS plan year rates.
In exchange, we fund the leads, marketing, technology, E&O, and compliance — at zero cost to you.
Why this structure? We invest heavily in lead generation, marketing, technology, and compliance so you don't have to. The trade-off is that clients enrolled through our system are Agency clients — similar to how real estate, financial advisory, and most FMO arrangements work. You earn strong recurring commissions while you're with us; we protect the agency's long-term client base.
Bonuses & Incentives
Earn more when you perform
On top of your base commission split, Yumi Health offers structured bonuses for production, retention, and client service quality. Thresholds are set for agents actively building a real book — not for occasional writers. All bonuses are disclosed per New Jersey law.
AEP Production Bonus
Oct 15 - Dec 7 · paid February
AEP enrollments must remain active 60+ days. Chargebacks reduce eligible count. Plan-neutral — CMS compliant.
Persistency Bonus
Measured Jan 1 · paid March
Active MA members only. Min. 30-member book required. Cap: 150 qualifying members per agent per year.
Ancillary Cross-Sell
Quarterly payout — 45 days post-quarter
Quarterly flat payout — no per-policy micro-tracking. Cancelled or lapsed ancillaries excluded.
Agent Referral Bonus
Quality-gated · paid post-verification
Max 3 paid referrals per calendar year. Referred agent must complete AHIP before policies count.
Elite Producer Bonus
Annual — for sustained top performance
Evaluated after AEP + full retention cycle. Both criteria must be met in the same plan year.
Bonus Protection Rules
Active policies only
Bonuses apply to active, paid policies. Cancelled, lapsed, or MEC-only policies are excluded from all thresholds.
60-day retention window
AEP enrollments must maintain active status for a minimum of 60 days before counting toward production bonus thresholds.
Chargeback reduction
Chargebacks and rapid disenrollments reduce the eligible enrollment count proportionally. High chargeback rates may suspend eligibility.
Rapid disenrollment standard
Agents must maintain a rapid disenrollment rate ≤10% per calendar year (per 42 C.F.R. § 422.2274). Eligibility suspended if exceeded.
Delayed payout schedule
AEP bonus: February. Persistency bonus: March. Cross-sell: 45 days after quarter close. Referral: 30 days post-verification.
Annual review
All bonus amounts and thresholds are subject to annual review. Changes communicated to agents with 60-day advance notice.
Who We're Looking For
The ideal Yumi Health producer
We hire experienced producers and career-changers alike — what matters most is a client-first attitude and the drive to build long-term relationships in New Jersey communities.
- Licensed (or actively pursuing licensure) in New Jersey for Health & Life lines
- Comfortable with face-to-face, phone, and virtual appointments
- Customer-first mindset — long-term client relationships, not one-time sales
- Bilingual a plus — Spanish earns +6 commission scoring points; Portuguese, Hindi, Korean, Arabic, Bengali also valued in NJ
- AHIP certified or willing to certify before AEP
- Prior Medicare or ACA experience preferred but not required
Compensation Highlights
- 55%-80% splits based on experience & credentials
- Pre-existing book renewals: 100% yours — we take $0
- NJ Medicare Advantage: $864 initial / $432 renewal per member (2026)
- AEP bonus: $1,000 (30-44) or $2,000 (45+) — paid February
- Persistency bonus: $15-$30/member for 85%+ retention (min. 30-member book)
- Elite Producer Bonus: $500/yr + priority leads (40+ AEP + 90%+ retention)
- Bilingual (Spanish) agents score higher → higher tier
- Full E&O coverage & AHIP reimbursed
- 1099 independent contractor — flexible schedule
Splits are calculated automatically from your application. Bonuses subject to CMS compliance rules and disclosed per N.J.S.A. 17:22A-41.1.
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