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IRMAA Certification Program

Our Certification Program is aimed to educate Financial Professional in the Financial Services Industry about the financial risks, solutions, and appeals of IRMAA so they can properly educate and plan with their client(s) in every scenario. This covers both prevention and solutions, along with full understanding on the threats of IRMAA towards pre-retirees or retirees.


An IRMAA Certified Planner (IRMAACP) is a financial professional with extensive knowledge of Social Security and Medicare planning and how it impacts retirement planning .

An IRMAACP certification gives advisors:

  • In-depth knowledge of Medicare Income Related Monthly Adjustment Amounts and how they impact retirement income.
  • The necessary knowledge to help clients and investors address  and calculate retirement planning needs to help mitigate IRMAA/Medicare costs.
  • An understanding of financial solutions that address IRMAA.

Want more information on the program changes? View the FAQs.


The IRMAACP designation has been the top choice for financial professionals seeking knowledge on IRMAA its impact on retirement income, along with helping professionals craft the best retirement solutions to mitigate issues.

Through this program, you’ll gain an in-depth understanding of how to provide the best solutions to your clientele to ensure that they get the most informed plan from an advisor that is well versed in the holistic planning process. The IRMAACP designation will not only expand the quality and breadth of the advice you’re able to give but will elevate your professional credentials as a certified professional and help advance your career in the financial planning industry.

Healthcare planning in retirement, is a vital part of holistic financial planning for both individuals and small businesses and can’t easily be automated. It’s also a lucrative field, where just one sale can pay for the entire IRMAACP designation many times over. Whether you’re just launching your career or an established professional trying to offer more to your clients, earning the IRMAACP certification is an excellent choice.


Centered on the complexities of retirement planning and its affect on IRMAA, the IRMAACP certification provides expert-level education you can immediately apply. Courses cover everything from the fundamentals of Medicare, Social Security, IRMAA and retirement vehicles, preparing you to offer the advice today’s clients need.

What expertise you’ll gain when you earn the IRMAACP designation.

  • Providing guidance on types and amounts of life insurance.
  • Helping clients handle issues of risk, including risks associated with different types of retirement plans and impact of different types of income.
  • Accounting for the legal aspects of life insurance underwriting, including issues pertaining to the basic principles of contract law, ownership rights, creditor rights, beneficiary designations, disposition of proceeds, casualty insurance, and more.
  • Guiding clients through decisions on retirement planning, estate planning, including surcharge mitigation techniques.
  • Providing guidance in specialized areas of your choice in life insurance, annuities, with options including financial planning, income taxation, planning for retirement needs and investments.


Designed for the working professional.

The IRMAACP certification program gives you the power to study at your own pace and tailor your education to your professional and lifestyle needs. Depending on where you are in the program, you’ll have access to a unique experience.

Course includes:

  • Online visual and audio lesson
  • Downloadable self paced learning
  • Online proctored testing
IRMAA Certification Program
Online Course + Assessment


One-Time Registration

Self Study Education

Certificate of Completion

IRMAA Certified Planner Certificate
*This will take you to the transaction form to finalize your details upon sign up.