AI-powered CRM and compliance for licensed agents — with the full Medicare quoting and enrollment stack in Ramona Elite. Built for the way independent agents and agencies really sell.
Most agent tools force a choice — sell, market, or operate. Ramona was built so one workspace carries the whole arc: from first conversation to lifetime client.
Quote MA, MAPD, PDP, MedSupp, and ancillary in minutes. Recommend with confidence. Enroll direct with the carrier — no third-party detours.
Year-round client engagement that runs while you sleep. Birthdays, ANOC, renewals — handled. Built-in campaigns, telephony hooks, and AI voice agents that follow up for you.
Commissions tracked. Hierarchy managed. Compliance documented. A real path from solo producer to multi-agent agency — without changing tools when you scale.
The headline is AI. The reality is months of compounded time back — captured in the small decisions Ramona makes for you, every day.
For each beneficiary, Ramona scores every available MAPD, PDP, Supplement, and ancillary option against their drugs, providers, budget, and preferences — and gives you the talking points to bring to the kitchen table. Twelve factors. Weighted by you. Ranked for them.
Households, not just contacts. Spouses, joint policies, caregivers — Ramona models the actual people in the room, so cross-sell and renewal conversations write themselves.
Digital PTC, SOA, and Needs Assessment baked into every appointment. Real-time CMS marketing prompts. One-click audit response on any date range, any agent.
Calls logged. Conversations transcribed. AI summaries written back to the contact record. Compliance prompts that fire while you're on the line, not after.
Track what's owed. Reconcile what landed. Surface what's missing. Across carriers, across products, across the agents in your downline.
Ramona is the daily workhorse — CRM, RamonaChat AI, and the compliance toolkit, available to any licensed agent. Ramona Elite is the full agency-grade platform plus the Benefits Life network — earned, not bought.
The daily workhorse. CRM, RamonaChat AI, and the compliance toolkit — the onramp for any licensed agent.
Agency-grade Medicare quoting, commissions, batch tools — plus the Benefits Life network. Earned by joining the BL downline.
In-platform Medicare quoting and enrollment (MA / MAPD / PDP / MedSupp / Ancillary via Connecture) are part of Ramona Elite — not the base plan. Add-ons attach to both tiers. Annual billing saves 15%. Ramona Elite eligibility requires Benefits Life downline status and compliance certification.
Multi-line agents shouldn't pay for product lines they don't write. Bolt on what fits — at either tier. Product and Agency Operations add-ons are rolling out through 2027; Platform Services are live today.
ACA Individual + ICHRA. FutureWise EDE Phase 2. Q1 2027.
Term · IUL · Whole · Final Expense · Life Settlement.
LTC · Short-Term Care · hybrid life-LTC products.
STM · fixed indemnity · gap coverage.
Single intake · NIPR + AgentSync · hierarchy validation.
Dashboards · QM scorecards · saves desk · audit log.
75 modules · 375 assessments · 7 tracks · ongoing CE.
Benefits Navigator → CHI → PIN cert ladder.
Voice + SMS via Telnyx. CONNECT tiers.
Automated outbound qualification & follow-up.
LeadScores · all-call · per-seat integrations.
Lift the 1 GB cap on Ramona (Ramona Elite already unlimited).
I had a CRM, a quoting tool, a spreadsheet, and a calendar. Now I have one thing. My close rate went up before my coffee got cold.
The short version of what Ramona is, who it's for, and how it works.
Ramona is an AI-powered workspace built for licensed Medicare insurance agents. It brings a CRM, AI plan intelligence, client communications, and compliance together in one platform, so agents don't have to stitch separate tools. Ramona Elite adds in-platform Medicare quoting and direct carrier enrollment.
Ramona is for licensed insurance agents and agencies who sell Medicare — Medicare Advantage (MA/MAPD), Part D (PDP), and Medicare Supplement — and who also write ACA, life, and ancillary lines.
Ramona is $59 per seat per month, or $50 per seat when billed annually. Ramona Elite, which adds quoting and carrier enrollment, is available by invitation to agents in the Benefits Life network.
The base Ramona plan includes the CRM, AI Q&A, client communications, and compliance tooling. Ramona Elite adds the full Medicare quoting and enrollment stack — carrier-accurate plan data, AI plan comparison scored across 12 factors, direct carrier enrollment, and commission tracking.
Yes. Ramona is HIPAA-compliant and SOC 2 Type II, verified through Vanta, with digital PTC, SOA, and CMS audit-ready records built into every appointment.
In-platform Medicare quoting and direct carrier enrollment are part of Ramona Elite. Plans and formularies use carrier-accurate data via Connecture, and agents enroll directly with the carrier rather than through a third-party detour.
Ramona is in early access ahead of AEP 2027. Licensed agents can join the waitlist to lock in founding-agent pricing and onboard first.
Ramona is built and operated by Benefits Life, Inc., a Colorado FMO that provides the platform, distribution, and support behind it.
Request early access to Ramona — founding agents lock in launch pricing and onboard first. Or, if you're a licensed agent looking for leads, appointments, and overrides, see what the Benefits Life downline unlocks.