Watch your AUM grow with IRMAA Navigator - and drive annuity and life sales with powerful, proven results. Income-Related Monthly Adjustment Amount IRMAA Key Points
Understanding IRMAA
IRMAA is a surcharge on Medicare Part B and Part D premiums for high-income beneficiaries, effectively reducing their subsidy and increasing their retirement costs. While not classified as a tax, it can impact your marginal tax rate, especially on withdrawals from pre-tax retirement accounts.
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Introduction to IRMAA Navigator
ImageIRMAA Education for Agents

IRMAA Education for Agents

Our website provides expert-led courses designed to educate you on helping clients navigate and minimize Medicare’s IRMAA (Income-Related Monthly Adjustment Amount) surcharges. Learn effective strategies to reduce Medicare Part B and Part D costs, optimize retirement income planning, and deliver valuable financial guidance to your clients. Empower yourself with the knowledge to protect your clients from unexpected Medicare expenses while opening the door to additional annuity and life sales!

Your subscription includes monthly live sales training with an IRMAA expert – where you’ll gain the tools you need to simplify Medicare surcharge conversations and grow your business. Plus, invite your clients to our monthly consumer seminar, where they’ll learn about key retirement challenges, including IRMAA. It’s a powerful way to build trust, provide value, and start meaningful planning conversations.

How it works

First, the short version:

  1. Access our proprietary training system to become an IRRMA Expert
  2. Leverage our portfolio of marketing options to fill your calendar
  3. Use our proven sales process to drive more sales

Now, the details:

Any IRMAA business written must be through IAMS with an approved carrier.

IRMAA Navigator includes a course curriculum of 16 educational modules along with a final exam. This certifies the agent with the designation (designation) and provides the agent with knowledge in regards to medicare and social security and the impact these have on retirement income. In addition to this, agents can access client presentations as well as marketing programs designed to target consumers who are subject to or have the potential to be subject to IRMAA.

After completing the initial video training modules, agents can participate in live sales training events.* As a registered IAMS independent agent, you can also visit our online Sales Resources Library, featuring 24-hour access to financial concept pages, fact finders, presentations, and more.

Testimonials

I recently signed on with IRMAA Navigator even though I had previously received the IRMAA Certification Designation with another company. While I won’t name the other company, they will in all likelihood come up first in a Google search if an insurance agent is doing one to learn more about the designation and program. Sadly, while they may be fine for obtaining the designation, they really offer no real meaningful help after that. As an insurance agent you want to have a program in place to take advantage of the new IRMAA title so that you it can help you to attain new business. You don’t want to try to figure it out on your own. You need a marketing program, a pre-done presentation that the average person can understand and the software to determine if your client will be subject to IRMMA in the future and if so, what he or she needs to do to at least minimize it or hopefully, avoid it. In short, you need a done for you system much like a franchise. IRMAA Navigator has that system pre-built for you. If you believe that focusing on IRMAA can help you to attain new clients, I would strongly advise to look at The IRMAA Navigator Program. I haven’t found anything else like it.
- Dan C.
IRMAA Navigator is the best IRMAA program in the industry, hands down.
- Anthony C.
I received an IRMAA Designation through another company and was excited to make this topic a focus of my practice.  Unfortunately, once the designation was paid for and completed, I learned that there was no sales or marketing support available.  I was in need of a platform that helped me get this information out to my clients, kept the data current, and most importantly, provided training that assisted me in becoming an expert on IRMAA.  IRMAA Navigator is the only IRMAA platform that provides all of this to me.  I am happy I made the switch and I am looking forward to making IRMAA Planning a staple of my business.
- Robert S.
My previous IRMAA Designation was useful when it came to introducing the topic to my clientele, but what I soon learned was that there was nothing provided to help me solve their problems.  It offered no guidance to me when it came to promoting the issue or suggestions on how to help my clients plan for their future.  IRMAA Navigator not only provides the most current information,  but as an all-in-one platform, it helps me reach new prospects and provide useful advice to existing clients.
- John Y.
IRMAA Navigator has given my firm the tools to help plan for my client’s retirement healthcare costs, which I have been looking for with other providers for years. It not only keeps me up to date on changes, but it also helps me get the information out to my clients and prospects with ease. It is a one-stop platform for education, marketing, sales support, and software.
- Dan R.
     
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