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 (Medicare-contracted), 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 (Medicare-contracted, 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.
Yumi covers 100%.
You focus on selling. We fund every operating cost and own every compliance burden.
Platform & pipeline (included)
- 20+ NJ carrier contracts, day one
- Yumi CRM + HealthSherpa ACA + Medicare quoting + AI tools
- Qualified inbound leads + pre-set appointments
- Training + carrier marketing-funds passthrough
- $500/mo marketing reimbursement (Medicare-contracted only)
Plus every cost a Track B producer pays for:
- E&O insurance — paid by Yumi
- AHIP certification — fully reimbursed
- NJ DOBI CE + exam fees
- Co-working space (where available)
- HIPAA-compliant Outlook email
- Business phone — recording + CMS compliant
- Mileage reimbursement
- Ongoing data-analyst support
- Full CMS compliance recordkeeping — SOAs, call recordings, marketing approvals, enrollment files (10-year retention handled for you)
Book of business: pre-existing clients you bring with you stay 100% yours. New clients enrolled through Yumi leads / CRM / carrier appointments are Agency clients and stay with Yumi if you leave.
Run your own shop.
You cover your overhead. Yumi gives you the platform + leads.
What's included
- 100% of carrier first-year + renewal commission
- 20+ NJ carrier contracts, day one
- Yumi CRM + HealthSherpa ACA + Medicare quoting + AI tools
- Lead program (qualified inbound)
- $500/mo marketing reimbursement (Medicare-contracted only)
- Training + carrier marketing-funds passthrough
You fund yourself
- E&O insurance
- AHIP + NJ CE
- Phone, email, office
- Mileage, events, premium tooling
- Your own CMS recordkeeping (SOA, calls, 10-yr retention)
Book of business: pre-existing clients you bring stay 100% yours. All Track B clients(including Yumi-sourced) transfer to you on departure — subject to carrier release rules (CMS 6-month re-appointment rule for MA/PDP). Yumi's only revenue on your book is a carrier-paid FMO override, not deducted from your commission.
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.
Tap a category to expand. Every item below is included for Track A producers; Track B includes the leads, platform, training, and bonuses (see Compensation above for the cost-coverage difference).
$500/Month Marketing Reimbursement (Medicare-contracted)
Submit paid receipts monthly — digital ads, mailers, events, printed materials, anything Medicare marketing related — and we reimburse up to $500. Funded by Medicare carrier marketing pools, so this perk is available only to producers with an active Medicare line appointment (MA/MAPD/PDP/Medigap). Producers contracted exclusively for ACA / Marketplace are not eligible.
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.
Tools & Technology
The Yumi CRM platform — built for NJ producers.
Most agencies hand you a carrier login and wish you luck. Our producers get a full practice management platform — quoting, compliance, client management, and marketing — built specifically for New Jersey health insurance.
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.
All included at no cost. No monthly SaaS fees, no seat licenses, no per-user charges.
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.
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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Ready to join the team?
Tell us a bit about yourself and our agency principal will reach out within 1 business day. Everything you share is confidential.