Hospital indemnity isn’t just for individuals.
Smart agents are using it to:
Open doors with business owners
Help HR teams reduce benefits costs
Deliver value with zero employer contribution
Here’s how to approach it in a group or employer setting — and why it works.
✅ Voluntary — no cost to the employer
✅ Simple — one-page benefit summary
✅ High perceived value — especially with rising deductibles
✅ Flexible payout — tax-free cash to the employee
✅ Easy enrollment — no health questions or underwriting
It gives employees real protection and gives the employer a benefit boost — without raising premiums.
During a benefits review
When a business is struggling to keep healthcare costs low
As part of a voluntary benefits lineup
Alongside accident or critical illness plans
You’re not replacing anything — you’re enhancing their offering.
“This benefit pays employees cash if they’re hospitalized — regardless of what their medical plan pays.
It’s voluntary, affordable, and completely optional — but employees love it because it gives them control and cash flow when they need it most.”
Focus on:
Control
Simplicity
No admin burden
✅ Small business owners with 5–50 employees
✅ Local HR managers for mid-sized firms
✅ Benefits consultants or payroll companies open to new offerings
Bring a short leave-behind, offer to do a 20-minute group presentation, and include testimonials or claim stories if you can.
Hospital indemnity becomes a business-builder when you take it into groups.
It’s fast, simple, and well-received — and in many cases, you’ll be the only agent offering it.
That’s your edge.
That’s your in.
Don’t leave the group market to accident and dental reps. This is your turf now.
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
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Ideal Flex Series Hospital Indemnity Plan Availability
Offered by American Home Life Insurance Company
Approved States:
Texas (TX), Wyoming (WY), North Dakota (ND), Wisconsin (WI), Kentucky (KY), Tennessee (TN), Mississippi (MS), Alabama (AL), Georgia (GA), and Florida (FL), Nevada (NV), Utah (UT), Arizona (AZ), Montana (MT), Colorado (CO), Nebraska (NE), Kansas (KS), Oklahoma (OK), Iowa (IA), Missouri (MO), Arkansas (AR), Louisiana (LA), Illinois (IL), Indiana (IN), Michigan (MI), Ohio (OH), West Virginia (WV), Pennsylvania (PA), Virginia (VA), North Carolina (NC), South Carolina (SC), Maryland (MD)