By: Matt Emma
Insurance Yeti, a licensed health and life insurance agency founded in early 2026, has built its business model around long-term client relationships. A central measure is persistency, which tracks how long clients keep their coverage.
Many insurance agencies set targets and quotas around annual premiums, which can put pressure on agents to close deals quickly. Wes Baiz and Mike Fisher built Insurance Yeti to reward a different outcome: how long a client keeps their coverage, known as persistency. Agents are rewarded for helping families find plans that fit their needs and budget, plans they want to keep. The goal is a family that stays for years, not just a sale that hits this month’s target.
“A family will reconsider a plan once they realize it isn’t working for them or they get a nasty surprise bill in the mail,” said Wes Baiz, CEO of Insurance Yeti. “So our goal is to help each family find a plan that fits from day one. When we focus on the long-term relationship, the family’s interest and ours line up. And honestly, it’s just the right thing to do. That’s what we mean by mission, not commission.”
Persistency, Explained
Persistency tracks the share of clients who are still on their plan months and years after they enroll. Although families may change coverage for many reasons, Insurance Yeti uses persistency as a key measure of its client relationships. Its process focuses on understanding each household’s needs, explaining potential out-of-pocket costs, and helping clients choose coverage they can afford to maintain.
How Insurance Yeti Works
- Discovery call (first call): The agent learns about the household’s needs, current doctors, prescriptions, budget, and existing coverage, along with any other priorities that could affect the choice of plan.
- 7-Point Exposure Check: After the call ends, the agent uses that information to assess the family’s current plan across seven areas of potential financial exposure, identifying gaps that could lead to unexpected costs.
- Plan search: The agent then compares Marketplace and private plan options, considering the identified gaps, coverage terms, and monthly premiums.
- Review call (second call): The agent walks the family through the findings and compares the leading options side by side with the family’s current coverage.
- Ongoing check-ins: If the household chooses the new plan, the team stays in touch after coverage begins and as the family’s needs change.
Insurance Yeti offers three categories of coverage:
- ACA Marketplace health insurance: For individuals and families, including help applying for any premium tax credits they qualify for.
- Private health insurance: For households that want options different from the Marketplace that could fit their family better. These plans are designed to cover major expenses, like hospital stays and serious illness, while the family pays cash for smaller, routine visits.
- Life insurance: To help protect a family’s income and provide financial support for loved ones.
“Our work doesn’t end on the day a client signs up,” said Mike Fisher, CMO of Insurance Yeti. “Our clients hear from us again after they’re covered, when a claim gets confusing or a new baby needs to be added. Every one of those calls helps us support our clients and make sure they understand their family’s coverage.”
The agency’s work is guided by three values it calls Empathy, Integrity, and Purpose.
Families can learn about the free 7-Point Exposure Review on the Insurance Yeti website.
About Insurance Yeti
Insurance Yeti is a licensed insurance agency headquartered in Orlando, Florida (agency license #22087564). Founded in early 2026 by CEO Wes Baiz and CMO Mike Fisher, the agency helps individuals and families explore health and life insurance options. Its licensed agents work one-on-one with each client to match coverage to the household’s needs, priorities, and budget. The company’s approach is guided by the belief that insurance should serve people, not profit margins. Learn more at www.insuranceyeti.com.
Disclaimer: This article is for informational purposes only and does not constitute insurance, financial, or legal advice. Insurance coverage, benefits, premiums, eligibility, and out-of-pocket costs vary by provider, policy, location, and individual circumstances. Readers are encouraged to review policy terms, conditions, limitations, and exclusions carefully and consult a licensed insurance professional before making coverage decisions.
