JAR Insurance Services

What JAR Insurance Services does

JAR Insurance Services is a privately-held, founder-owned independent insurance agency headquartered in Cerritos, California, specializing exclusively in the Medicare market. Founded by CEO Jaime Rosales, the company contracts with a nationwide network of independent licensed insurance agents who sell Medicare Advantage, Medicare Supplement, and Part D prescription drug plans from multiple carriers to Medicare-eligible beneficiaries across 34 U.S. states. JAR provides these contracted agents with full back-office support including compliance administration, carrier certifications and contracting, weekly 100% commission pass-through, and the JAR Family Foundation community initiative, while retaining the carrier-level override commission as its primary revenue stream. The company supports both an institutional B2B relationship with agents and an indirect B2C relationship with Medicare beneficiaries, the latter reached through agent-hosted community events, health fairs, senior care centers, and the CallJAR.com consumer portal with its Find an Agent search feature.

JAR's core product is the agency platform itself, delivered through a proprietary technology stack tailored to FMO/agency operations. The stack includes the JAR Agent Portal CRM (app.jarportal.com) for enrollments, commissions, leads, contracts, and client records; the JAR FMO Mobile App on iOS and Android with an integrated CMS-compliant call recording tool that links recordings to client records; the JAR Print Portal (powered by OurProShop) for compliant branded marketing materials; the JAR Sales Academy (TalentLMS) for licensing and sales training; and integrations with Connecture/DestinationRx for Medicare plan shopping and HubSpot for CRM/marketing workflows. The Producer Achievement Recognition (PAR) program layers a tier-based rewards incentive on top of the technology stack to drive agent productivity and retention.

JAR's business model is an override-commission FMO model. Medicare carriers pay JAR override/agency commissions on every policy sold by a contracted agent, and JAR pays the agent 100% of agent-level commission weekly, retaining the spread as its principal revenue stream. The residual/renewal component of carrier commissions provides a recurring revenue layer that scales with agent retention. The company operates from a Cerritos corporate office plus 10 California branch offices (Bakersfield, Garden Grove, Long Beach, Modesto, Moreno Valley, National City, Sacramento, San Francisco, Santa Clara/Mountain View) and one Arizona branch (Tucson), with leadership consisting of CEO/Founder Jaime Rosales and COO/President Omar Padilla, both of whom bring over 30 years of healthcare industry experience from senior roles at major carriers including Care 1st of California, PacifiCare, Arcadian Health, Health Net, Molina Healthcare, United Healthcare, and Blue Shield of California. No acquisitions, external funding rounds, IPOs, or institutional investor involvement are disclosed.

Name

JAR Insurance Services

Legal name

JAR Insurance Services

Website

https://jarinsuranceservices.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

JAR Insurance Services is a privately-held independent Medicare insurance agency that contracts with independent agents across 34 U.S. states to sell Medicare Advantage, Medicare Supplement, and Part D plans, providing back-office support, compliance, proprietary technology, and weekly 100% commission pass-through in exchange for carrier override commissions.

Ownership category

akta.pro rank

Product category

Medicare Insurance Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Medigap Marketing, Lead Gen & Compliance (CMS/Do-Not-Call/TPMO) (HLAEADAE)

Keywords

• Medicare insurance agency
• Independent insurance agents
• Medicare Advantage plans
• Insurance back-office support
• Agent recruiting services

Headquarters

HQ city

Cerritos

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Medicare carrier commissions (override/agency commissions): JAR Insurance Services earns override/agency commissions from Medicare Advantage, Medicare Supplement, and Part D carriers for policies sold by its contracted independent agents. JAR compensates agents weekly at 100% of agent-level commission (per their stated agent compensation model), retaining the override spread as its primary revenue stream. Maximum commission rates are set annually by CMS.
2. Residual/renewal commissions from carrier relationships: Ongoing residual income tied to client renewals; aligned with agent retention, which JAR explicitly emphasizes as critical to long-term agent earnings and by extension JAR's recurring override stream.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

JAR Insurance Services is an independent Medicare-focused insurance agency that contracts with Medicare Advantage (HMO, HMO SNP, PPO, PPO SNP, PFFS), Medicare Supplement, and Medicare Part D carriers, then recruits and supports a nationwide network of independent licensed agents who sell those plans to Medicare-eligible beneficiaries. The agency absorbs back-office operations including compliance administration, carrier certifications, CRM, lead-generation training, marketing support, and weekly commission payouts, enabling agents to focus on selling and servicing clients. JAR retains override commissions from carriers as its primary revenue while paying agents 100% of their earned commissions weekly.

Differentiator

Problem solved

Functional benefit

Brands

• CallJAR: Consumer-facing platform at CallJAR.com that connects Medicare-eligible prospects with JAR agents and provides a Find an Agent search feature.
• JAR FMO Mobile App
• JAR Family Foundation

Products and services

• JAR Insurance Services Independent Insurance Agency (Agent Contracting and Back-Office Support) Licensed independent insurance agency that contracts with Medicare Advantage HMO, HMO SNP, PPO, PPO SNP, and PFFS carriers plus stand-alone Medicare Part D plans. Recruits and supports independent agents nationwide with contracting, compliance, marketing, training, and back-office infrastructure in exchange for override commissions from carriers.
• JAR FMO Mobile App Standalone mobile application for iOS and Android used by JAR-contracted agents to access CRM information, conduct inbound and outbound recorded calls using their existing personal cell phone number, take in-call notes, and have recorded calls automatically linked to client records in the JAR system.
• JAR Call Recording Tool CMS-compliant call recording capability embedded directly in the JAR FMO Mobile App, enabling agents to record calls using their existing personal cell phone number while automatically organizing and attaching recordings to the corresponding client record in JAR's CRM.
• JAR Agent Portal / CRM Web-based agent portal and CRM that provides JAR-contracted agents with centralized access to enrollment records, commission statements, leads, contracts, and client information without requiring them to be tied to an office.
• CallJAR.com Consumer Portal Consumer-facing website at CallJAR.com that connects Medicare-eligible beneficiaries with local JAR-contracted agents, including a Find an Agent search feature for locating agents by geography.
• JAR Print Portal Self-service print-on-demand storefront powered by OurProShop that lets JAR-contracted agents order personalized and branded marketing materials to support their client outreach and business growth.
• JAR Sales Academy Online training and certification program hosted on TalentLMS that trains JAR-contracted agents on licensing requirements, sales techniques, lead generation, CMS compliance, and continuing education.

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature6 records

Partnerships

Six partnerships are on record, tiered flagship and core.

• Alignment Health PlanflagshipStrategic or Co-development Partner · 15 September 2025Multi-year (more than a decade) carrier partnership in which Alignment Health Plan partners with JAR Insurance Services because the two organizations share values of compliance, excellence, and putting seniors first. Alignment is referenced as a key upline partner providing tools, training, and mentorship support to JAR agents serving Medicare beneficiaries. Featured as a flagship partnership in JAR's 'JAR News' blog category.
• SCAN Health PlancoreStrategic or Co-development Partner · 16 June 2025SCAN Health Plan promoted JAR Insurance Services to National Marketing Organization (NMO) status, a recognition reflecting the growth and dedication of JAR's independent agents, managers, and leadership team. SCAN is one of the nation's top Medicare carriers that JAR represents.
• CalOptima HealthcoreStrategic or Co-development Partner · 29 November 2022JAR Insurance Services, an independent agency based in Southern California, announced a contract with CalOptima Health, Orange County's largest health insurer, to expand its Medicare product portfolio and support for Orange County beneficiaries.
• HubSpotcoreTechnology or IntegrationHubSpot is integrated into JAR's operations as the CRM and marketing automation platform, with an agent login (app.hubspot.com/login) referenced in the website footer resources.
• Connecture / DestinationRxcoreTechnology or IntegrationConnecture (jar7.destinationrx.com/PC/Agent/Account/Login) provides the Medicare plan shopping, quoting, and enrollment platform used by JAR agents.
• TalentLMS (JAR Sales Academy)coreTechnology or IntegrationTalentLMS hosts the JAR Sales Academy (jarsalesacademy.talentlms.com), the online learning platform used to train contracted agents.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Medicareful: Medicareful is a digital Medicare FMO that provides independent agents with technology, lead generation, and back-office support. Emerging peer with a more digitally-native stack than JAR, overlapping in target agent customer base.

Regional players

• Ascend (formerly AIL / Ascend Federal Credit Union partnership): Ascend (formerly Agent Investor League) operates an agent-centric FMO/IMO model supporting independent Medicare agents with contracting, technology, and back-office support. Comparable FMO peer though historically more focused on the east/southeast US agent segment.

Direct peers

• Ritter Insurance Marketing: Ritter Insurance Marketing is one of the largest independent Medicare FMO/IMO distributors in the US, contracting thousands of independent agents to sell Medicare Advantage, Supplement, and Part D plans from multiple carriers. Directly comparable to JAR's FMO model, multi-state agent recruitment, and carrier override revenue model.
• GoHealth: GoHealth is a Medicare-focused health insurance marketplace that recruits and supports licensed insurance agents to sell Medicare Advantage and Supplement plans across the country. Comparable to JAR in its Medicare agent-distribution focus, though GoHealth leans more heavily on a digital consumer marketplace model similar to CallJAR.com.
• Senior Market Sales (SMS): Senior Market Sales is an established FMO/IMO focused on Medicare and senior market products, contracting independent agents nationwide with back-office support, lead generation, and carrier access. Highly comparable to JAR's agent recruitment model and override commission revenue stream.
• HealthPlanOne (HPO): HealthPlanOne is a Medicare insurance distribution platform that connects beneficiaries with Medicare plans via a digital marketplace and licensed agent network. Closely parallels JAR's CallJAR.com consumer-portal-plus-agent-network approach to Medicare distribution.
• e-TeleQuote Insurance: e-TeleQuote is a Medicare insurance agency specializing in Medicare Advantage and Supplement distribution through licensed agents and call-center operations. Directly comparable to JAR's core Medicare distribution business with a heavier inbound call-center-driven agent model.

Broad incumbents

• Integrity Marketing Group: Integrity Marketing Group is a large private-equity-backed insurance distribution platform that owns and partners with numerous FMOs and insurance agencies across Medicare, life, and health. Functions as a broad incumbent in the same Medicare FMO space JAR operates in, though at vastly greater scale.
• SelectQuote: SelectQuote is a publicly-traded direct-to-consumer Medicare distribution platform that employs and contracts agents to sell Medicare plans. Comparable end-market (Medicare beneficiaries) and comparable agent-led distribution, though substantially larger and consumer-DTC focused rather than FMO.
• AmeriLife Holdings: AmeriLife is a large insurance distribution company that acquires and partners with FMOs/IMOs and agents across Medicare, annuities, and life insurance. Operates in the same Medicare agent-distribution space as JAR at significantly greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/watch?v=bfqDWTYECB8
• LinkedInlinkedin.com/company/jar-insurance-services
• Xx.com/jarinsurance

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

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 JAR Insurance Services