Annuity.com
Exclusively for Licensed Medicare Agents

RAMP

Reducing Annual Medicare Penalties
A program by Annuity.com

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.

▶ Start Now — It's Free📅 Join Thursday's Intro Call — 2 PM PT / 5 PM ET
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 Agents Are Saying
“We used the script the day you sent it — Al closed $200,000. Next Thursday we have a family with $600,000 and another with $200,000 coming in. My team is using it now. It works.”
KathleenMedicare Agency Owner

Results are not typical. Individual results will vary.

Joining Annuity.com has truly elevated how I support my clients and strengthened the impact I can make in their retirement journey.

Kalei K.Medicare Agent — Hawaii

What I'd tell a Medicare agent on the fence: the Medicare sales arena is changing rapidly. Carriers are reducing or removing commissions and renewals. You need to be a full-service agent. Annuities are the perfect complement to what you're already doing — and this organization will give you the tools to have those conversations successfully.

Russell B.Agency Owner — Kansas
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▶ Start Now — It's Free📅 Join Thursday's Intro Call

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 — 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.

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.
Register for Thursday's Call
Common questions

Frequently asked questions.

Do I need a separate annuity license to participate in RAMP?
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.
What if I don’t have my Life Insurance license yet?
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.
Do I have to test and get appointed with each annuity carrier individually?
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.
Is there CE training required before I can sell annuities?
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.
Can I get in trouble with CMS for discussing annuities with my Medicare clients?
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.
How does commission sharing work while I’m still learning?
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.
What are typical annuity commissions compared to Medicare commissions?
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.
What happens if an annuity isn’t the right fit for my client?
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.
Is Annuity.com an MLM?
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.
Is RAMP available in my state?
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 — Reducing Annual Medicare Penalties — for free today, or join us Thursday at 2:00 PM PT / 5:00 PM ET to see it live.

▶ Start Now — Join Free📅 Join Thursday's Intro Call
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