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.
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.
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.
Your only task: run the IRMAA Checker and schedule the separate appointment. The specialist handles everything else.
Annuity.com passes 100% street-level commission directly to agents — no IMO haircuts, ever.
Each step earns 20% of total street commission. As your knowledge grows, so does your share — until you handle all five and keep 100%.
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.
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.
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.
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.
Every Thursday we host a free 30-minute live intro for Medicare agents considering RAMP — Reducing Annual Medicare Penalties. 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.
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.
Join RAMP — Reducing Annual Medicare Penalties — for free today, or join us Thursday at 2:00 PM PT / 5:00 PM ET to see it live.