Sunshine Life and Health Advisors

What Sunshine Life and Health Advisors does

Sunshine Life and Health Advisors, LLC (operating under the brand Madrinas Insurance) is a Florida-based Field Marketing Organization (FMO) that recruits, contracts, and supports independent licensed insurance agents to sell multi-line health and life insurance products. Founded around 2010, the company operates from offices in Miami (headquarters), Edinburg TX, and Tampa FL, and supports agent activity across 48 U.S. states with active contracting in 20+ states. Agents join at no cost and retain 100% of carrier commissions; Sunshine is compensated through override commissions, bonuses, and other compensation from insurance carriers, with additional revenue from sub-agency hierarchy overrides.

The company's product portfolio spans ACA Marketplace plans, Medicare Advantage (Part C), Medicare Supplement (Medigap), Medicare Part D, private health insurance, group health insurance, life insurance (term and permanent), ancillary products (dental, vision), and discount plans. Carrier partnerships include Molina Healthcare, Ambetter (Centene), Oscar Health, and UnitedHealthcare, alongside other national carriers. Sunshine provides its agent network with an integrated platform comprising an Agent Portal dashboard, CRM and lead management system, a Learning Management System with weekly webinars and on-demand training, marketing automation tools with bilingual (English/Spanish) templates, digital enrollment tools, and real-time commission and hierarchy reporting.

The business operates a B2B2C distribution model where independent agents and sub-agencies are the primary customer segment, end consumers purchase insurance through those agents, and Sunshine earns override compensation from carriers. Differentiators include no-cost agent onboarding (5-7 business days), bilingual training and support, hands-on mentorship, multi-carrier access, lead share programs, and sub-agency/downline development opportunities. The company reports outcomes such as 30-50% production increases for agents within the first 90 days, 85% year-over-year retention among top Medicare Advantage performers, and growth in client retention and lifetime value through ancillary cross-selling. Leadership is led by President & CEO Ammer Cabrera and Co-Founder Mercy Cabrera, with Vanessa Vasquez (CFO), Sergio Robles (VP Operations), Rene Lopez (National Sales Director), and additional operations and onboarding management.

Name

Sunshine Life and Health Advisors

Legal name

Sunshine Life & Health Advisors, LLC

Website

https://sunshinelifehealth.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Sunshine Life and Health Advisors is a Florida-based Field Marketing Organization that recruits and supports independent licensed insurance agents nationwide to sell ACA, Medicare, life, and group health products via an integrated agent portal, CRM, and bilingual training platform.

Ownership category

akta.pro rank

Product category

Insurance Distribution (FMO)

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

akta.pro secondary industry

Medigap Distribution & Brokerage (Captive/Independent/IMO/FMO) (HLAEADAD)

Keywords

• Field marketing organization
• Insurance distribution services
• Aca marketplace plans
• Medicare advantage plans
• Life insurance products

Headquarters

HQ city

Tampa

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Insurance Carrier Commissions: Sunshine acts as an FMO receiving commissions, bonuses, overrides, and other compensation from insurance carriers when enrollments are completed through the agency. Agents keep 100% of their commissions while Sunshine is compensated directly by carriers. Override commissions are also earned by upline agents and sub-agencies managing downline producers.
2. Agent Network / Distribution Fees: Revenue derived from the volume of agents recruited and maintained in the FMO network, with compensation structures tied to overall production levels and carrier relationships.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Sunshine Life & Health Advisors operates as a Field Marketing Organization (FMO) that contracts with independent licensed insurance agents and sub-agencies to distribute ACA Marketplace, Medicare Advantage, Medicare Supplement, Medicare Part D, Life Insurance, ancillary, private health, and group health products from multiple national carriers across 48 states. The FMO equips its agents with multi-carrier contracts, an agent portal with CRM and lead management, marketing automation, training and certification, real-time commission reporting, and an inbound lead share program at no cost, while earning carrier commissions on resulting enrollments.

Product overview

Sunshine Life & Health Advisors operates as a Field Marketing Organization (FMO) providing licensed insurance agents with a platform ecosystem to sell multi-line insurance products across 48 states. The company's product portfolio includes ACA/Marketplace Plans, Medicare Advantage (Part C), Medicare Supplement (Medigap), Medicare Prescription Drug Plans (Part D), ancillary products (dental, vision), private health insurance, life insurance, and group health insurance. The platform is architecturally composed of an Agent Portal (central dashboard for applications, policies, and commission tracking), a CRM & Lead Management system, a Training & Certification Center (LMS with weekly webinars and on-demand content), Marketing Automation Tools (bilingual templates, digital campaigns, landing pages), a Lead Share Program (inbound leads from national campaigns), and Commission & Contracting Management tools. Agents access these integrated modules to manage the full sales lifecycle from lead intake through renewal, with bilingual English/Spanish support throughout.

Differentiator

Problem solved

Functional benefit

Products and services

• ACA / Marketplace Plans Affordable Care Act Marketplace health insurance plans distributed through Sunshine's contracted agents, providing individuals and families with subsidy-eligible coverage options and bilingual support.
• Medicare Advantage (Part C) Medicare Advantage plans from multiple carriers, combining Parts A and B with additional benefits like dental or vision and $0 premium options, sold by Sunshine's licensed agents to Medicare-eligible beneficiaries.
• Medicare Supplement (Medigap) Medigap plans that help Medicare beneficiaries pay out-of-pocket costs not covered by Original Medicare, offered by Sunshine agents through partner carriers.
• Medicare Prescription Drug Plans (Part D) Medicare Part D prescription drug coverage plans offered to Medicare beneficiaries through Sunshine's carrier partnerships and licensed agents.
• Life Insurance Term and permanent life insurance policies providing coverage for specific periods and long-term income protection, sold by Sunshine agents to individuals and families.
• Ancillary Products (Dental and Vision) Supplemental dental and vision insurance products offered alongside primary health plans to deepen household coverage and improve retention for Sunshine's agents.
• Private Health Insurance Private health insurance plans offering premium coverage beyond ACA Marketplace options, targeting self-employed professionals and business owners and providing higher close rates in affluent markets.
• Group Health Insurance Group health coverage offered by employers or organizations to their employees or members, distributed through Sunshine's Group Business Division and carrier partnerships.
• Agent Portal Platform Web-based agent platform providing a central dashboard for applications, policies, commission tracking, automated carrier updates, one-click forms, marketing materials, and training resources for Sunshine's contracted agents.
• Training and Certification Center Learning Management System offering step-by-step licensing guidance, ACA/Medicare/Life training videos, weekly live webinars, carrier certification walkthroughs, and a 24/7 on-demand product knowledge library in English and Spanish.
• Marketing Automation Tools Pre-designed bilingual email templates, social media posts, co-branded ads, digital campaigns, and personalized landing pages for ACA, Medicare, and Life Insurance, integrated with Google, Meta, and YouTube campaigns.
• Lead Share Program Inbound and digital lead distribution program that allocates leads from national marketing campaigns to Sunshine's agents based on performance and availability, supporting consistent pipeline flow.

Quantifiable outcome

• Agents often see production increase by 30-50% within their first 90 days
• +5 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability1 record

Feature6 records

Partnerships

Five partnerships are on record, tiered core.

• Molina HealthcarecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing Medicare Advantage, Medicaid, and ACA Marketplace products. Agents contracted through Sunshine can offer Molina Healthcare plans to their clients.
• AmbettercoreChannel Partner/ Reseller/ DistributorACA Marketplace carrier partner offering health insurance plans. Ambetter is part of Centene Corporation and provides affordable coverage options for individuals and families.
• Oscar HealthcoreChannel Partner/ Reseller/ DistributorTechnology-focused health insurance carrier offering individual and family ACA plans. Oscar provides digital-first health insurance experiences.
• UnitedHealthcarecoreChannel Partner/ Reseller/ DistributorMajor national health insurance carrier offering Medicare Advantage, Medicaid, employer plans, and individual coverage. UnitedHealthcare is one of the largest insurers in the U.S.
• National Insurance Carriers (ACA, Medicare, Life, Group Health)coreChannel Partner/ Reseller/ DistributorSunshine maintains partnerships with multiple national insurance carriers across product lines including ACA Marketplace plans, Medicare Advantage, Medigap, Prescription Drug Plans, Life Insurance, and Group Health products, enabling agents to offer diverse coverage options to clients.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Senior Market Sales: Senior-focused FMO distributing Medicare Supplement, Medicare Advantage, and ancillary products to independent agents nationwide. Directly comparable FMO model with carrier commission revenue and agent recruitment focus.
• National Brokers Alliance: FMO serving independent insurance agents with Medicare, ACA, life, and annuity products. Closely comparable FMO model with multi-carrier contracting and sub-agency hierarchy.
• GoHealth: Public insurance marketplace and distribution platform focused primarily on Medicare products. Comparable product mix and carrier-commission-driven revenue model, though larger scale and more technology-led.
• Ritter Insurance Marketing: Large US FMO specializing in Medicare, ACA, and life insurance products distributed through independent agents. Operates a similar carrier-contracted agent platform model with comparable products and commission overrides.
• HealthMarkets: Large national insurance agency/FMO distributing ACA, Medicare, and supplemental health products through a nationwide agent network. Closely comparable distribution model and product mix to Sunshine.
• Benefytt Technologies: Insurance distribution platform (parent of HealthInsurance.com) distributing ACA, Medicare, and supplemental plans. Comparable product focus and carrier-commission revenue, though more consumer-direct than FMO-led.
• eHealth: Online health insurance marketplace offering Medicare and ACA plans via carrier commissions. Comparable revenue model (carrier commissions) and product focus, though distribution is digital rather than agent-led.
• SelectQuote: Public direct-to-consumer insurance distribution company with strong Medicare Advantage focus. Comparable in product mix and carrier relationships but uses a centralized call-center/online model rather than an FMO.
• American Exchange: FMO distributing health, Medicare, and life insurance products through independent agents. Comparable in carrier-commission model, product mix, and agent network approach.

Broad incumbents

• UnitedHealthcare (UnitedHealth Group): Largest US health insurer and a carrier partner to Sunshine. Comparable through its own distribution channels for Medicare Advantage and ACA products, providing both partnership opportunity and competitive context.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/JGMseguros
• LinkedInlinkedin.com/company/sunshine-life-health?trk=public_post_feed-actor-image
• Instagraminstagram.com/sunshinelifeandhealth

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sunshine Life and Health Advisors