Think your wealthier clients won’t care about hospital indemnity?
Think again.
They’re often the most receptive — when you frame it the right way.
Agents sometimes say:
“My client makes $200K+ — they can afford to self-insure.”
Sure, they can — but that’s not the point.
Wealthy people don’t like spending money they don’t have to.
They buy protection the same way they buy good legal advice or CPA services.
The key is to position it as strategic — not budget insurance.
“If you or your spouse had to step away from work for a week or two unexpectedly, would that affect your income or cash flow?”
This lands especially well with:
Business owners
Self-employed professionals
Sales leaders and consultants
They’re not afraid of a hospital bill — they’re afraid of interruptions.
“A sudden hospital stay often has a ripple effect — childcare, eldercare, travel, lost time. This plan creates breathing room.”
This positions indemnity as liquidity, not just reimbursement.
“It’s not about covering the bill — it’s about giving you the freedom to focus on recovery, not finances.”
Add:
“The payout is fast, no receipts required.”
“Tax-free money you control.”
“You can keep the payout even if insurance covers most of the stay.”
Now you're speaking their language: efficiency, control, speed.
If your client runs a business:
“This same coverage can be offered to employees. Voluntary. Affordable. High perceived value.”
Hospital indemnity makes a great voluntary benefit with zero employer contribution.
You’ve now taken it from “not for me” to:
Income protection
Family planning
Employer branding
Don’t assume hospital indemnity is only for people living on a budget.
It’s for people who want options, flexibility, and control — which is exactly how higher-income clients think.
When framed right, it becomes an easy yes.
Learn more about the Ideal Flex Series Hospital Indemnity
Join our Top Agent Shootout and win your spot on the Texas Hog Hunt
Watch the Sales Leadership Webinar with Shawn Buxton for even more strategy
Brokers Fidelity
Phone: 913-374-1550
Email: hello@brokersfidelity.com
Address: 400 S Kansas Ave, Topeka, KS 66603