Your clients are overpaying for Medicare. You can help them stop — starting today.
RAMP gives licensed Medicare agents a CMS-compliant, step-by-step process to help clients reduce or eliminate IRMAA surcharges — with no annuity expertise required, no disruption to your existing practice, and team selling support from day one.
5M+Americans currently pay an IRMAA Medicare surcharge
$6,000+Maximum annual IRMAA surcharge per individual
$0Cost to join RAMP and get started
TodayWhen you can run your first IRMAA Checker conversation
What is RAMP?
Built for Medicare agents. Designed for day one.
RAMP — Reducing Annual Medicare Penalties — is a structured program that gives you a CMS-compliant conversation, professional tools, and expert backup support to help your Medicare clients reduce or eliminate their IRMAA surcharges. You don't need annuity expertise to start. You need what you already have: a licensed Medicare practice and clients who trust you.
We know what you're thinking
Every concern. Answered.
"I can't bring annuities up during a Medicare appointment — I'll lose my carrier appointments."
✓ Correct — and RAMP never asks you to. Every annuity conversation happens in a separate appointment with its own Scope of Appointment documentation. Your Medicare appointments stay clean and your carrier relationships stay protected.
"I don't know enough about annuities to feel comfortable presenting them."
✓ You don't need to. Your role is identifying the need with a 3-minute conversation. An experienced annuity specialist handles the case design, suitability review, and presentation while you learn alongside them.
"I don't want to feel like I'm peddling products to clients who trust me."
✓ You're not selling a product — you're solving a problem your clients are already paying for. IRMAA is a surcharge. Reducing it is a service. The annuity is the mechanism, not the pitch.
"What if the product ends up being wrong for my client?"
✓ Every case goes through a full suitability and Best Interest review before any product is recommended. If it's not right for the client, it doesn't move forward.
"Getting appointed with annuity carriers sounds like months of tests — like Medicare carriers."
✓ Unlike Medicare carriers, annuity carrier appointments do not require a separate test per carrier. The process is primarily paperwork, and Annuity.com facilitates it. Your Life license is all you need to get started.
"I'm already busy. Adding something new sounds like adding everything new."
✓ The initial conversation takes 3 minutes and uses your existing client relationship. The specialist handles the rest. In the early stages, your time per case is minimal — by design.
Free to join — Life Insurance license required to sell
What you can earn
Illustrative examples. Real structure.
The examples below are hypothetical illustrations using a mid-range commission rate and an industry-reference policy size. Actual commissions vary by product type, carrier, state, and individual production. These are not income projections or guarantees.
Day one — appointment referral only
$1,500
illustrative example at 20% of one step
Example policy size$150,000
Example commission rate5%
Total commission generated$7,500
Your share (20% — appt only)$1,500
Your only task: run the IRMAA Checker and schedule the separate appointment. The specialist handles everything else.
Your goal
100% street commission — as you develop
$7,500
illustrative example at 100% street
Example policy size$150,000
Example commission rate5%
Total commission generated$7,500
Your share (100% street)$7,500
Annuity.com passes 100% street-level commission directly to agents — no IMO haircuts, ever.
The path between them is gradual. As you take on more of the case — fact-finding, case design, presentation, closing — your share grows. No deadlines. No pressure. Your pace.
Important disclosures: The commission examples above are hypothetical illustrations only, using a 5% commission rate on a $150,000 policy — neither figure represents a typical or guaranteed outcome. Individual earnings are not guaranteed and depend entirely on the agent's production activity.
The 5 steps — and how commission is shared
20%
Set Appointment You start here
20%
Fact Finding
20%
Case Design
20%
Presentation
20%
Close & Transfer
Each step earns 20% of total street commission. As your knowledge grows, so does your share — until you handle all five and keep 100%.
The RAMP process
Four steps. Simple by design.
1
Run the IRMAA Checker
Your personalized IRMAA Checker lives on your branded Annuity.com subdomain. A 3-minute income question conversation identifies whether your client qualifies. No annuity knowledge required.
"I've learned that some of my clients are paying more for their Medicare Part B and D than they need to. Can we spend 3 minutes going through a few questions to see if that applies to you?"
⚠ Use this conversation in a non-Medicare context — not during a Medicare Advantage or Part D enrollment meeting, which is governed by CMS Scope of Appointment rules.
2
Schedule a separate appointment
CMS requires that annuity discussions occur in a separate appointment from any Medicare enrollment meeting. RAMP provides a compliant transition script, Scope of Appointment documentation, and a scheduling process that keeps your Medicare practice fully protected.
3
An experienced annuity specialist steps in
For the second appointment, an Annuity.com specialist handles case design, the Best Interest suitability review, and the client presentation. You observe, learn, and earn your share.
"I've arranged for a specialist I work with to look at your situation and see whether there's a way to reduce these costs for you."
4
Build expertise. Grow your share. Keep 100%.
As you complete Annuity Suitability CE and gain experience across cases, you take on more of the process yourself. The path from your first referral commission to 100% street commission is yours to walk at your own pace.
Free to join — Life Insurance license required to sell
The RAMP toolkit
Everything you need. Nothing you don't.
IRMAA + SS Tax Torpedo Checkers
Personalized tools on your own branded subdomain at Annuity.com — ready to use with clients today.
Team selling support
An experienced annuity specialist backs you from your first case — handling the steps you haven't yet mastered. You're never alone on a case.
100% street commission — your goal
Start by earning your share of each step. Grow toward keeping 100% on your own timeline. No haircuts. No IMO override withheld from your commission.
LeadPro automated marketing
Bi-weekly client newsletters, birthday greetings, appointment reminders, and a full CRM — $199/month.
The most complete compensation package in the industry
100% street commission, a Stock Option Program, annual production bonuses, and Agency Builder override compensation.
50% off pre-licensing coursework
No Life Insurance license yet? We partner with EXEL Solutions to offer a 50% discount on their state-approved pre-licensing course.
Note on equity participation: The Annuity.com Stock Option Program is offered to qualifying agents under a separate agreement and is subject to applicable securities laws. This page does not constitute an offer of securities.
Free to join — Life Insurance license required to sell
See it in action
Join the weekly RAMP introduction call.
Every Thursday we host a free 30-minute live intro for Medicare agents considering RAMP. You'll see the IRMAA Checker in action, meet the team, hear from agents in the program, and get your questions answered live. No commitment required.
Thursday Intro Call — RAMP for Medicare Agents
Every Thursday | 2:00 PM PT / 5:00 PM ET | 30 minutes via Zoom Meet the team. See the tools. Ask anything.
No separate "annuity license" exists in the U.S. If you hold an active Life Insurance license, you are already eligible to sell fixed annuities in most states. Many states issue a combined Life and Health license — agents with that combined license are already set.
You can join RAMP and begin learning the process before your license is in hand. We've partnered with EXEL Solutions to offer a 50% discount on their state-approved pre-licensing course.
Unlike Medicare carriers, most annuity carrier appointments do not require a separate exam per carrier. The process is primarily completed online and can often be done in minutes. Annuity.com facilitates the carrier appointment process on your behalf.
Most states require a short Annuity Suitability training course — typically 4 to 8 hours, completed online at your own pace. This is a one-time state requirement and is significantly simpler than Medicare carrier-specific certification.
Yes — if you do it in the wrong context. CMS strictly prohibits marketing non-health products during a Medicare Advantage or Part D sales appointment. RAMP is designed specifically to work within these rules — all annuity discussions occur in a separately scheduled meeting with its own documentation.
The annuity case process has five steps, each representing approximately 20% of the total street commission. On day one, you handle step one — scheduling the separate appointment — and earn a share of the commission. As you gain case experience, you take on more steps and retain more of the commission.
Annuity commissions are paid as a percentage of the policy premium, typically ranging from 1% to 8% depending on product type and carrier. On a $150,000 annuity policy at a 5% commission rate, the total commission is $7,500 — from a single case. These figures are illustrative examples and are not guarantees of income.
Every case at Annuity.com is evaluated under the NAIC Best Interest Standard before any product is recommended. If an annuity is not appropriate for a client, the case does not move forward and no product is presented.
No. Annuity.com is an Insurance Marketing Organization (IMO). There is no buy-in, no mandatory product purchase, and no pyramid structure. Agents earn commissions on client annuity cases.
RAMP is available to licensed agents across the United States. Specific carrier availability and CE requirements vary by state. Join a Thursday intro call to learn about your state's specifics.
About RAMP and Annuity.com
RAMP (Reducing Annual Medicare Penalties) is a structured agent program offered by Annuity.com, Inc., an Insurance Marketing Organization (IMO) headquartered in Gilbert, Arizona. The program is designed for licensed Life Insurance agents who currently operate a Medicare practice and want to add annuity sales to their service offering without disrupting their existing CMS-compliant practice.
Annuity.com is differentiated from other IMOs by its comprehensive compensation structure: 100% street-level commission, a Stock Option Program for qualifying agents, annual production bonuses, and an Agency Builder override program. The RAMP program's compliance framework is built around CMS Medicare Marketing Guidelines: all annuity discussions occur in a separate appointment from any Medicare enrollment meeting.
Ready to take the first step?
Your clients are already paying the penalty. Now you can help them stop.
Join RAMP for free today — or join us Thursday at 2:00 PM PT / 5:00 PM ET to see it live.
Life Insurance license required to sell annuities. Annuity Suitability CE required per state regulations before selling.
Commission examples are hypothetical illustrations only. Earnings are not guaranteed.
Stock Option Program subject to securities law requirements and separate eligibility agreement.
Annuity.com, Inc. | (888) 301-8501 | 2473 S Higley Road, Ste 104 PMB 5189, Gilbert, AZ 85295
Mark Ballstaedt Chief Technology Officer
Mark Ballstaedt is a seasoned technology executive with over 25 years of experience leading digital transformation across startups and large enterprises. As Chief Technology Officer at Annuity.com, he drives platform innovation in a rapidly growing fintech space, helping modernize the way consumers and advisors engage with annuities and retirement planning tools.
At Annuity.com, Mark’s leadership ensures the company stays ahead of industry change, delivering secure, intuitive digital experiences that simplify financial decision-making.
From early-stage startups to complex global enterprises, Mark Ballstaedt has consistently delivered technology leadership that drives business growth, operational excellence, and lasting innovation.
Earlier in his career, Mark played a foundational role at JetBlue Airways, joining as one of its first 20 hires and helping build the airline’s IT infrastructure from the ground up. That experience launched a career marked by entrepreneurial leadership and enterprise-level impact.
Mark is known for building agile, product-first cultures where innovation is grounded in real customer needs. He empowers teams to operate with autonomy, speed, and clarity, bridging strategy with execution.
Thank you for your submission. A reminder will be sent before our next scheduled live call.
Amy Rushforth Agent Experience Manager
As Agent Experience Manager, I lead a team optimizing the intersection of operations and client excellence. With 15+ years of experience, I have a proven track record of driving successful, cross-functional project outcomes. I ensure internal processes are purpose-built to empower our frontline agents in delivering a premium service experience. My focus on efficiency ensures that organizational goals are met with consistent precision.
My background in strategic planning is supported by a degree in Project Management. I have managed multi-million dollar capital projects and large-scale operations where extreme attention to detail was paramount. This academic and practical expertise allows me to approach the agent experience with a creative, agile vision. I prioritize disciplined organization to successfully navigate evolving corporate landscapes and changing market demands.
I leverage this history to mentor the Agent Experience team, providing the strategic direction needed for world-class support. My leadership style is “people-first,” drawing from a deep background in human resources and internal communications. By fostering clarity and compliance, I empower my team to exceed goals while maintaining a trusted, professional approach. I am committed to developing staff talents to handle the unique complexities of the financial industry.
Ultimately, I strengthen customer relations by aligning internal talent with our broader corporate goals. Having managed high-end hospitality and philanthropic outreach, I know an exceptional client experience begins with an exceptional agent experience. I am dedicated to positioning our agents as true brand ambassadors who drive loyalty and growth. By bridging project execution and relationship management, I create a sustainable environment for long-term success.
Kathy Martin Social Media
With over 20 years of experience, Kathy Martin specializes in leadership, communication, and social media strategy. As a military parent and 1st Responder wife, she is passionate about helping families and teams build resilience, self-esteem, and meaningful connections.
Kathy’s expertise lies in creating content that resonates across all communication styles, ensuring maximum engagement and impact. She has developed innovative programs like the People Plus communication assessment, The Money Dance and Project Communication, equipping individuals and organizations with tools to enhance their online presence.
Her work includes work with industry leaders such as the National Guard, Aveda, Anheuser-Busch, the National Financial Women’s Association, and the Department of Transportation. As an award-winning curriculum designer and social media strategist, Kathy continues to bridge the gap between communication theory and real-world application, helping brands craft compelling digital narratives.
Her notable achievements include:
Influential Projects: Co-founder and trainer of the groundbreaking Project Communication and The Money Dance programs.
Adjunct Professor, Hamline University.
Innovative Programs: Creator of a challenge course for at-risk youth and the People Plus communication assessment, a tool designed to identify and amplify unique communication strengths and weaknesses.
Awards & Recognition: Recipient of the “Award of Excellence” for curriculum design by MNAPHERD and recognition from the Governor of Minnesota for “Outstanding Youth Leadership” and “Creating Productive Communities in Which to Live.”
Kevin Jensen Business Development
Kevin Jensen is a distinguished leader with over 30 years of experience in business development and sales strategy. Known for his dedication to fostering trusted relationships and delivering client-focused solutions, Kevin has built a career centered on empowering others to achieve lasting financial security. By partnering with top financial experts, he has successfully combined effective business systems with proven sales strategies, creating solutions that inspire confidence for both advisors and their clients.
As Vice President of Sales at Annuity.com, Kevin leads agent training and development with a hands-on approach, equipping new agents with the tools and strategies to succeed. His focus on meaningful connections and clear guidance bridges the gap between advisors and their clients, ensuring individuals can retire with confidence and peace of mind.
Milan Jensen Communications
With over three decades of experience in marketing within the direct-to-consumer sector, Milan Jensen leads Annuity.com’s marketing vision with a focus on innovation and strategic growth. Under her leadership, the company has successfully implemented agent-focused marketing strategies, strengthening brand visibility and enhancing client engagement.
Before joining Annuity.com, Milan held key leadership roles where she spearheaded the acquisition and development of a sales organization that she grew to over 80,000 sales representatives across North America and Europe. She developed transformative digital marketing and training initiatives that drove customer acquisition and retention. Her ability to blend creativity with innovative strategies has resulted in consistently measurable success.
A recognized thought leader, Milan is frequently invited to speak at industry events and contribute to leading publications on topics such as sales leadership, creating culture within a brand, and customer-centric marketing strategies. She is also passionate about community outreach, advocating for financial literacy and economic empowerment for women.
With a commitment to ongoing professional development, Milan continues to push the boundaries of marketing in financial services, keeping Annuity.com at the forefront of industry innovation.
Bill Broich
Founder and Board Member at Annuity.com
Bill’s career is marked by notable achievements and extensive contributions to the field of annuities and financial planning. His expertise is regularly sought in various media outlets where he has been a featured commentator, bringing issues and trends in the annuity market to a broader audience.
Before becoming a cornerstone in the financial sector, Bill began his career in the wine industry, contributing significantly to the development and success of Ste. Chapelle, Idaho’s trailblazing winery. His collaboration with winegrower Dick Symms in the 1970s helped elevate the winery to a major producer known for high quality despite its large volume. Bill’s early experiences in fostering growth and advocating for quality in the wine industry paralleled the values he later brought to the annuity market.
Throughout his illustrious career, Bill has authored hundreds of articles on annuities and other financial topics, helping educate and inform agents and clients alike. His work has not only set a high standard in the industry but has also played a crucial role in shaping the understanding and marketing of annuity products.
Testimonies from agents who have worked with Bill highlight his role as a world-class businessman and mentor. Agents credit him with significantly enhancing their marketing strategies and deepening their product knowledge, often stating that Bill has provided more guidance and insight than they could find anywhere else in the industry.
Beyond his professional accomplishments, Bill’s passion lies in mentoring and onboarding new agents at Annuity.com. His approachable manner and deep knowledge make him a beloved figure among newcomers and seasoned agents. Bill’s dedication to fostering a supportive environment ensures that every agent is well-equipped to succeed and thrive in the competitive annuity landscape.
Bill Broich’s leadership at Annuity.com continues to inspire trust and confidence, driving the company’s mission to provide outstanding service and support to our agents and clients. His legacy of innovation and advocacy for agent-centric policies underscores his pivotal role in the ongoing success and integrity of Annuity.com.
Bruce Jensen
Chief Operating Officer at Annuity.com
Bruce’s career trajectory is marked by significant leadership roles, including CEO positions and board memberships, where he has consistently driven growth and operational excellence. At Pure Haven, he successfully managed a comprehensive turnaround by revamping product strategies and strengthening the sales organization, leading to sustained positive cash flow and robust team dynamics.
Prior to joining Annuity.com, Bruce served as Managing Partner at Global Ventures Partners, where he oversaw the development of a portfolio of companies, guided strategic acquisitions, and enhanced corporate governance. His hands-on approach to strategic negotiations and insights into international business have been pivotal in steering companies toward enhanced shareholder value.
Bruce’s earlier roles included VP of Finance and Business Development at England Logistics, where he led international acquisitions and managed significant financial operations. This role underscored his ability to handle complex, high-stress, high-expectation environments effectively.
Beyond his executive roles, Bruce’s initial experience at Fidelity Investments where he started selling financial products, laid a strong foundation for his deep empathy and understanding of the challenges faced by sales agents in the field. This experience has been crucial in his ability to effectively clear roadblocks for sales agents, ensuring they meet and exceed their goals with Annuity.com, Inc.
Bruce holds an MBA from Brigham Young University and a BS in English from Weber State University, blending his strong business acumen with excellent communication skills. His leadership at Annuity.com is not just about maintaining operational efficiency; it’s about inspiring and enabling every team member to achieve their best in a supportive and dynamic environment.
Brett A. Blake CEO of Annuity.com
Brett’s professional journey is marked by significant accomplishments across various consumer-focused companies. He has served as the driving force behind several organizational turnarounds, notably leading Beachbody’s Team Beachbody division from $50M to over $300M in revenues within three years and then on to $975M before he left the company. This growth was largely fueled by working closely with independent coaches and finding ways to deploy social media tools effectively.
Before joining Annuity.com, Brett offered tailored executive coaching and strategic advisory through his roles at Side Factor, LLC, and as a board advisor. His experience spans leading companies consumer packaged goods companies in the US and abroad in both operating and advising roles. As an operator, he implemented comprehensive strategies that revitalized operations and led to substantial increases in earnings. Brett’s earlier roles include pivotal marketing and operational leadership positions at USANA Health Sciences, where he spearheaded global initiatives that reversed declining sales and significantly enhanced shareholder value. His strategic initiatives have not only yielded impressive financial results but have also built high-performing, collaborative teams that are well-aligned with corporate goals.
Furthermore, Brett is an accomplished author with publications that focus on private equity investing, turnaround leadership, and scalable sales systems. His writings reflect his deep understanding of market dynamics and his ability to convey complex strategies in an impactful way.
Through his leadership at Annuity.com, Brett is committed to leveraging his comprehensive expertise to foster an environment that empowers agents and ensures the company’s position as a leader in the annuity and life insurance sectors. His approach to business is characterized by a keen ability to listen to and work closely with independent sales agents, ensuring that their needs and insights are at the forefront of company strategy. Brett has a Master of Business Administration from the Harvard Business School, and a BA in Communications from Brigham Young University.
