You say one sentence at the end of the Medicare conversation. You send one email. A Retirement Income Specialist conducts the review — and if it leads to an annuity your client buys, you earn 20% of the street commission.
Don't soften it. Never "Would you be interested…?" or "Would you like…?" You are stating the next step in serving them. The only question you ask: daytime or evening?
“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.”
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.
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.
Nothing changes about what you already do.
Make it part of the process. Use the script.
To your Specialist and your client, right after you schedule.
Your Retirement Income Specialist conducts the review — and handles any appropriate retirement-income work.
To: your Specialist + your client
[Specialist], I want to introduce you to [Client], a client of mine who is ready for a Retirement Income Review. [Client] prefers a [daytime/evening] appointment if possible.
[Client] — I trust [Specialist] and know you will be well taken care of. [Specialist] will handle the Retirement Income Review and help determine whether there is anything in your retirement-income strategy that deserves attention.
Your life insurance license. You cannot be paid on annuity business without it, and we won't pretend otherwise.
Carrier appointments — handled just in time. You don't contract with sixty carriers before you begin. When a case is ready, you get appointed with the one carrier that case needs. Nothing to do up front.
What you don't need: annuity product knowledge. Case design skills. A single hour of sales training. You are not learning to sell annuities — you're adding one review to the service you already provide.
You are paid on the sale, not on the appointment. If the Retirement Income Review leads to an annuity your client purchases, you earn 20% of the street commission on it. If it doesn't, no one is paid — not you, not the Specialist.
What 20% means in dollars. About 70% of the annuity business written through Annuity.com is fixed indexed annuities (FIAs). The average FIA pays 5–7% in street commission, and our average FIA is about $150,000 — roughly $7,500 to $10,500 in street commission on an average case. Your 20% of that is about $1,500 to $2,100, paid when the client buys.
Illustration based on company averages. It is not a projection or guarantee of earnings; commission rates and case sizes vary by product, carrier and state.
That's exactly why you can offer the review as a genuine service. Nobody earns anything unless something turns out to be right for your client — so there's no reason to push, and your client has no reason to wonder.
When it does close, you didn't source the lead, buy it, design the case, or sit the closing appointment. If you later want more of the case, the Team Selling Pathway runs five stages, each worth another 20% of street, up to running the appointment yourself at 100%. Most Medicare agents stay at stage one. That's a legitimate place to stay.
The Retirement Income Specialist conducts the review, gathers the facts, makes any recommendation, and documents the suitability analysis behind it. Your part is the introduction — you are not recommending a product, which is why you don't need to be able to evaluate one.
The one rule that matters
Use the script outside any appointment governed by a Medicare Scope of Appointment. CMS prohibits marketing non-health products during MA/Part D sales appointments. Never promise to eliminate IRMAA or guarantee savings.
Every Medicare client you've already written is eligible for a Retirement Income Review today. Send this to your book this week.
Subject: An additional review for my Medicare clients
Hi [First Name],
I wanted to let you know about an additional service I'm making available to my Medicare clients.
Many people don't realize that decisions involving retirement income — such as IRA withdrawals, required minimum distributions, Social Security and other taxable income — can sometimes affect what they pay for Medicare in future years.
Because of that, I would like to schedule a complimentary Retirement Income Review for you with a Retirement Income Specialist I work with.
The purpose is simply to review your situation and make sure you have considered reasonable opportunities that may help you avoid unnecessary increases in your Medicare premiums in the future.
I'd like to get that scheduled for you. Would a daytime or evening appointment generally work better?
Warm regards,
[Your name]
Thirty minutes. We'll walk through the script, the email, and what happens after you send it. Nothing to buy, nothing to prepare.
RAMP (Reducing Annual Medicare Penalties) is an agent program offered by Annuity.com, Inc., an Insurance Marketing Organization (IMO) headquartered in Gilbert, Arizona. It is designed for licensed Medicare agents who hold a life insurance license and want to add a Retirement Income Review to the service they already provide their Medicare clients. A Retirement Income Specialist conducts the review; the agent earns 20% of the street commission when a client buys an annuity following it, and nothing when a client does not.
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. RAMP's compliance framework is built around CMS Medicare Marketing Guidelines: the Retirement Income Review is always scheduled outside any appointment governed by a Scope of Appointment.
Join RAMP — Reducing Annual Medicare Penalties — for free today, or see it live on a RAMP Intro Call: Tue · 5pm PT / 8pm ET, Thu · 2pm PT / 5pm ET, Fri · 10am PT / 1pm ET.