Grow your book with a modern NJ FMO.
Yumi Health is a New Jersey FMO that gives independent producers — whether you want full support or full commission — the tools, leads, and back-office to build a real Medicare and ACA practice — without building it alone.
What you get
Everything you need to produce — nothing you don't.
Most FMOs hand you a contracting packet and walk away. Yumi staffs the teams that build the CRM, generate the leads, and run the back-office so you can focus on clients.
Modern CRM — built in-house
Yumi CRM is purpose-built for Medicare and ACA producers in NJ. Lead pipeline, SOA capture, e-signatures, policy tracking, automated outreach, and commission ledger — all in one login. No spreadsheets, no Frankenstein stack of third-party tools.
Real inbound leads
Leads come from our own consumer marketing engine — pre-screened by insurance type, county, and coverage need. Routed within one hour (hot SLA). You see one agent per lead. No aged lists, no shared pools.
TrueCost™ quoting engine
Our proprietary TrueCost™ engine runs a real cost projection — premiums, copays, drug costs, deductibles — on any plan in seconds. Impresses clients and closes more enrollments than generic side-by-side comparisons.
E-app & paperless enrollment
Electronic CMS-compliant Scope of Appointment (no waiting period), e-signature enrollment, formulary and provider lookup, and document storage. No paper trail, no missing forms, no compliance headaches.
Marketing + compliance support
CMS-approved marketing templates, co-branded materials, $500/month reimbursement for Medicare-contracted producers, carrier co-op funds passthrough, and a compliance officer who reviews edge cases year-round.
Back-office + commissions handled
Contracting, RTS status tracking, chargeback resolution, AHIP reminders, and commission reconciliation — all handled by our ops team. Commissions are tracked in the CRM and paid out via QuickBooks with direct deposit.
20+
carrier contracts
21
NJ counties covered
45%+
pre-set appt close rate
$0
CRM fee (active producers)
Earnings estimator
See what your book could earn.
Drag the sliders — this is first-year commission, illustrative.
Estimated first-year take-home
$55,373 – $71,194
Track A — you keep 70–90% of commission.
Track B keeps 100% ($79,104).
+ renewals stack every year you keep the client.
Apply nowCompensation
Two tracks. Pick the one that fits.
Newer agents usually want everything covered so they can focus on selling. Established producers often want maximum commission and the freedom to run their own shop. Yumi supports both — and you can renegotiate each contract year.
Track A — Yumi Covered (1099)
You focus on selling — Yumi provides the leads, tools and back-office. We split the commission in return.
- 1099 producer — Yumi provides company leads, tools & full back-office
- Tiered commission split — you keep function(){throw Error("Attempted to call KEEP_MIN() from the server but KEEP_MIN is on the client. It's not possible to invoke a client function from the server, it can only be rendered as a Component or passed to props of a Client Component.")}–function(){throw Error("Attempted to call KEEP_MAX() from the server but KEEP_MAX is on the client. It's not possible to invoke a client function from the server, it can only be rendered as a Component or passed to props of a Client Component.")}% of first-year + renewals
- Benefits-eligible: health, dental, vision
- RingCentral VoIP line — CMS-compliant call recording
- Microsoft 365 (Outlook email + calendar sync)
- E&O insurance — fully covered by Yumi
- AHIP certification — fully reimbursed
- NJ DOBI CE + exam fees reimbursed
- Full CRM with assigned inbound lead pipeline
- CMS compliance recordkeeping handled (SOA, calls, 10-yr retention)
- Co-working space access (where available)
- Mileage reimbursement for in-home visits
- Pre-existing book renewals: 100% yours — Yumi takes $0
Commission: a tiered split (you keep 70–90%) in exchange for full support. Your pre-existing book renewals are always 100% yours.
Track B — Street 100% (1099)
Keep 100% of your commission and bring your own book. You still get the CRM, lead access and QBO payouts.
- 100% of carrier first-year + renewal commissions (full street)
- Independent 1099 contractor — set your own schedule
- Contract with 20+ NJ carriers through Yumi FMO hierarchy
- Full CRM access (no monthly fee during active production)
- Lead program participation and pre-set appointments
- $500/mo marketing reimbursement (Medicare-contracted producers)
- Carrier co-op marketing funds passthrough
- All Track B clients transfer with you on departure (carrier release rules apply)
- QBO commission payouts + direct deposit
- You fund: E&O, AHIP/CE, phone, office, mileage
Yumi is compensated via carrier FMO overrides — never deducted from your producer commission. Same street rate as going direct.
Same contracting agreement, two commission schedules. Decide on the application — and renegotiate at each contract year if your situation changes.
Tools & Technology
The platform built for NJ producers.
One login for leads, clients, quoting, compliance, and commissions. Included at no cost — no per-seat SaaS fees, no setup charges, no surprises.
CRM & lead management
Full practice management: lead intake, kanban pipeline, appointment calendar, task queue, client records, policy tracking, renewal alerts, and NJ county heat maps. One platform, one login.
SOA e-sign + compliance tools
Electronic CMS-compliant Scope of Appointment with no waiting period. AHIP tracking, CMS-approved template library, and a retention vault — so every audit-ready document is already where it needs to be.
Medicare + ACA plan finders
Integrated HealthSherpa for ACA Marketplace quoting with subsidy calculations. Yumi's own Medicare finder covers Advantage, Part D, and Medigap with formulary lookup, provider search, and plan comparison. Both are embedded in your client session.
Client portal
Each client gets a secure self-service portal to view policies, upload documents, message their agent, and request an annual review. Fewer inbound calls, better client relationships.
SMS & email automation
Pre-built CMS-compliant campaigns: birthday outreach, T-65 drip, renewal reminders, AEP broadcasts, and post-enrollment follow-ups. The system reaches your clients at the right time — no manual scheduling required.
QuickBooks commission payouts
Yumi's back-office is integrated with QuickBooks Online. Commissions are reconciled monthly, reviewed in your CRM dashboard, and paid by direct deposit through the contractor portal. Transparent statements — no black-box splits.
Carrier roster — day-one access
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.
Training & Support
From day one through every AEP.
A structured 30-day onboarding track, AHIP and CE guidance, ongoing product training, compliance support, and a back-office team that handles the paperwork.
30-day structured onboarding
Carrier contracting, AHIP certification, CRM training, product deep-dives (Medicare Advantage, Medigap, Part D, ACA), and a sales script library — all built into the first 30 days. New agents are matched with a senior producer for field ride-alongs.
AHIP + certification guidance
We walk you through the AHIP exam, carrier-specific certifications, and annual recertification calendars. AHIP is fully reimbursed for Track A producers. Track B producers can apply for reimbursement once they hit production thresholds.
Ongoing training library
Recorded modules on NJ carrier networks, plan changes, Medicaid coordination, cross-sell strategies, and CMS compliance updates. New content drops every quarter — available in your CRM dashboard, watch on your schedule.
CMS, SOA & HIPAA compliance
A full-time compliance officer manages CMS rule updates, NJ DOBI requirements, and agent marketing reviews. SOA workflows, call recordings, and enrollment files are stored and retained for 10 years — handled for Track A agents entirely.
Real back-office team
Contracting, RTS tracking, licensing transfers, appointment status, chargeback resolution — our ops team runs it. You focus on clients, not carrier portals. Ticket SLA: 1 business day for urgent issues.
Commissions
How you get paid — step by step.
Carriers pay commissions. Yumi tracks, reconciles, and pays out via QuickBooks with direct deposit. Transparent statements every month.
You enroll a client
Complete the enrollment through HealthSherpa, the carrier portal, or the Yumi e-app. The policy is captured in your CRM client record.
Carrier pays commission
NJ Medicare Advantage carriers pay up to $864 per new member (2026 rates) and $432 per renewal. ACA, Medigap, and ancillary lines pay their standard first-year and renewal rates — always full street.
Yumi reconciles in QuickBooks
Our back-office matches carrier statements against your CRM enrollments. Any chargebacks or discrepancies are flagged and resolved before your pay date. You see every line item.
Direct deposit to your account
Both tracks are paid monthly by ACH direct deposit through the QuickBooks contractor portal — Track A after the commission split, Track B at 100%. You get monthly statements with every line item. No checks, no guessing.
2026 NJ rate highlights
- Medicare Advantage (NJ): up to $864 initial / $432 renewal per member
- Pre-existing book renewals: 100% yours — Yumi takes $0
- AEP bonus: $1,000 (30–44 MA enrollments) 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 commission tier
Rates shown are 2026 CMS-set first-year rates. Splits calculated from your application. Bonuses subject to CMS compliance rules and disclosed per N.J.S.A. 17:22A-41.1.
Performance bonuses
AEP Production Bonus
Oct 15 – Dec 7 · paid February
Enrollments must stay active 60+ days. Plan-neutral, CMS-compliant.
Persistency Bonus
Measured Jan 1 · paid March
Active MA members only. Cap: 150 qualifying members per agent per year.
Agent Referral Bonus
Quality-gated · paid post-verification
Max 3 paid referrals per year. Referred agent must complete AHIP before policies count.
Elite Producer Bonus
Annual — for sustained top performance
Both criteria must be met in the same plan year.
Who we're looking for
Licensed, motivated, and client-focused.
- Active NJ resident or non-resident health + life insurance producer license
- Medicare Advantage, Medigap, Part D, or ACA experience — any combination
- Willing to complete annual AHIP and carrier certifications
- Client-first approach — long-term relationships, not one-time sales
- Comfortable with web-based tools (our platform is updated regularly)
- Self-starter who builds a book, not just writes a policy
- Bilingual a plus — Spanish, Portuguese, Hindi, Korean, Arabic, or Bengali preferred in NJ
- New to insurance? Track A onboarding with a structured training track is available
New to insurance?
We occasionally onboard early-career producers for Track A roles. If you are studying for your NJ license or recently passed the exam, reach out. We can discuss a structured training track under a licensed supervising agent before your first independent enrollment.
Apply to get started21
NJ counties
20+
carriers
45%+
pre-set close rate
$500
marketing reimbursement/mo
FAQ
Questions agents ask us.
Do I need my own leads?+
No. Yumi runs its own NJ consumer marketing engine that generates inbound Medicare and ACA leads — routed to contracted producers via the CRM. Leads are not shared, resold, or aged. You also receive pre-set appointments from our intake team. If you have your own lead sources, you can bring them into the CRM and they stay 100% yours.
Which carriers am I appointed with?+
Medicare Advantage & Part D: UnitedHealthcare, Aetna, Humana, Wellcare, Cigna, Horizon BCBSNJ, AmeriHealth NJ, Clover Health, Braven Health, Devoted Health. Medigap: AARP/UHC, Mutual of Omaha, Cigna, Aetna, Humana, Anthem, BCBSNJ. ACA Marketplace (Get Covered NJ): Horizon BCBSNJ, AmeriHealth NJ, Aetna, Wellpoint NJ, Fidelis Care. Ancillary (dental, vision, hospital indemnity, final expense): Delta Dental NJ, VSP, EyeMed, Aflac, Mutual of Omaha — same-day appointments available.
Track A vs. Track B — which is right for me?+
Both tracks are 1099. Track A (Yumi Covered) gives you the most support — company leads, the CRM and tools, AHIP/E&O and full back-office — in exchange for a commission split. Track B (Street 100%) is better if you want to keep 100% of your commission and run your own book. Most newer agents start with Track A; established producers with their own book often choose Track B. You can renegotiate tracks at each contract year.
How fast can I start writing business?+
Ancillary lines (dental, hospital indemnity, final expense): same-day appointments. ACA and most Medigap carriers: 5–10 business days. Medicare Advantage and Part D: 2–4 weeks because carriers require AHIP certification, NJ DOBI license verification, and Ready-To-Sell (RTS) processing. Yumi tracks every step in your CRM dashboard.
Do you help with AHIP?+
Yes. We walk you through the AHIP exam registration, guide you through the modules, and alert you to your certification deadline each year. Track A producers are fully reimbursed. Track B producers can apply for reimbursement once they hit the minimum production threshold. CE credit courses for NJ are also tracked and supported.
How are commissions paid and how transparent is it?+
Carrier commissions are reconciled monthly in QuickBooks against your CRM enrollment records. You see every line item — enrollment date, carrier, plan, first-year rate, and renewal rate. ACH direct deposit is issued monthly for both tracks. Chargebacks are flagged before your pay date — no surprises.
Do I have to give up my existing FMO contracts?+
For Medicare Advantage and Part D, carriers enforce a single-FMO rule — switching requires a written release from your current FMO and a 6-month re-appointment waiting period under CMS rules. For Medigap, ACA, and ancillary lines you can typically dual-appoint. Yumi walks you through the release process and which lines are immediately portable before you sign.
What does it cost to contract with Yumi?+
$0 for producers. CRM access, leads, training, and back-office support are all included. Yumi is compensated via carrier FMO overrides — the same way Pinnacle and other FMOs are paid. Your producer commission is never touched. The override is on top of your street rate, not deducted from it.
Join us
Apply to join Yumi
Tell us about your license and experience — we'll follow up to talk tracks and next steps.
Ready to build a better book?
Reach out and we will schedule a call to discuss your background, licensing, and which track is the right fit for your practice.