TOPEKA, KS — American Home Life Insurance Company has officially launched the IdealFlex Series, a new hospital indemnity insurance product designed for the real-world needs of today’s agents and consumers. Built from the ground up with input from the field, the IdealFlex Series provides unmatched flexibility, meaningful benefits, and one of the fastest, most agent-friendly platforms in the industry.
The IdealFlex Series includes two powerful base plan designs: Daily Hospital Confinement Indemnity and Lump Sum Hospital Confinement Indemnity, each customizable to suit individual needs and preferences.
Benefit Amounts: $100 to $750 per day
Confinement Options: 2, 3, 4, 5, 6, 7, 8, 9, 10, 15, 20, or 31 days
Benefit Amounts: $500 to $2,500
25% payout for hospital stays between 7 and 24 hours
Full 100% payout for hospital stays over 24 hours
Emergency Room / Urgent Care: $150 per visit, up to 3 visits per year
Mental Health Confinement: $175 per day, up to 4 days per year
Pet Boarding: $50 per day, up to 7 days per year (30-day lifetime max)
Travel Companion Lodging: $100 per night, up to 7 nights per year
Observation Admission: Daily and lump sum options available
The IdealFlex Series offers a wide portfolio of optional riders, allowing policyholders to enhance their coverage based on specific risks or personal priorities:
Ambulance Benefit Rider: $50 to $600 per trip (2 ground/water, 1 air trip annually)
Cancer Diagnosis Benefit Rider: Up to $25,000, includes recurrence and skin cancer benefits
Critical Accident & Accidental Death Rider: Up to $10,000 with detailed injury-specific payouts
Dual Hospital Confinement Rider: $250 to $500 per occurrence if both household residents are confined
Heart Attack & Stroke Diagnosis Benefit Rider: Up to $10,000 with recurrence schedule
Daily Increasing Benefit Rider: 5% annual increase to daily benefit, up to 50%
Outpatient Rehabilitation Services Rider: $50 to $250 per day, includes chiropractic therapy
Skilled Nursing Facility Rider: $100 to $500 per day, with flexible day ranges
Outpatient Surgical Procedure Rider: $100 to $1,000 per procedure, up to two per year
Lump Sum Hospital Confinement Rider: $100 to $750, triggered based on duration of confinement
Guaranteed Issue: Available for ages 64.5 to 67 (daily benefit only)
No GI Window: Lump sum base, cancer, heart/stroke riders
Pre-Existing Condition Period: 6 months
Contestability: 2 years
Waiting Period: 30 days
Instant writing number
Ready-to-sell status in 24–48 hours
Direct access to support staff
Instant decisions with Green/Yellow/Red status
Text and voice authorization options
Yellow apps are handled in real time
True social security billing enabled
IdealFlex is more than a product—it’s a business opportunity for producers looking to grow with a modern platform. Features include:
Top-tier commission structure
Production-based bonuses
Exclusive $25,000 production incentive trip
What makes IdealFlex different is its thoughtful blend of traditional indemnity benefits and innovative, lifestyle-driven features like pet boarding and travel lodging. Riders such as the Dual Confinement or Increasing Daily Benefit are unique offerings that help agents deliver customized protection to a wide variety of clients.
For full product specs, appointment materials, and marketing tools, call Brokers Fidelity or visit:
www.brokersfidelity.com
Brokers Fidelity
Phone: 913-374-1550
Email: hello@brokersfidelity.com
Address: 400 S Kansas Ave, Topeka, KS 66603
About American Home Life Insurance Company
Founded in 1909 and based in Topeka, Kansas, American Home Life Insurance Company has built a reputation for delivering flexible, agent-first insurance solutions. The IdealFlex Series is the latest product in its mission to serve the senior market with innovation, reliability, and service that agents can trust.