Why Hospital Indemnity Is Your Most Overlooked Cross-Sell

You don’t need more leads.
You need more value per lead.

And hospital indemnity is the simplest, cleanest, and most overlooked cross-sell in the industry.

Here’s why.

#1: You Already Have the Opportunity

You’re already:

• Reviewing medical coverage

• Talking about deductibles

• Seeing gaps your clients don’t understand

You don’t need a new appointment or a second phone call.
Just a clean transition in the same conversation.

#2: You Don’t Need a New License, Product Line, or System

No learning curve.
No quoting engines.
No commissions to split with a call center.
No carrier testing, contracting, or back-office stress.

It’s plug-and-play cross-selling.

#3: It Adds Revenue Without Costing the Client Much

A typical policy is:

• $20–$50/month

• Pays $250+ per hospital day

• Often includes ambulance, skilled nursing, and more

It’s high-impact. Low-cost. No-brainer.

And it builds retention like nothing else.

#4: It Positions You as the “Gap Expert”

Anyone can sell a Medicare Advantage plan.
Very few can explain:

• What’s missing

• Why it matters

• How to fill it

That’s what makes clients refer you.

#5: It Works With Any Age Group

Medicare Advantage ✅
ACA or Marketplace ✅
Short-Term Medical ✅
Group Plans ✅
Even High-Deductible Major Medical ✅

Wherever there’s a deductible or a gap, hospital indemnity has a role.

Final Word

The best cross-sell is the one that:

• Requires zero additional lead cost

• Adds value and peace of mind

• Pays you month after month

That’s hospital indemnity.

It’s not just something you can sell —
It’s something you should.

Ready to Switch?

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)

Learn more about what Medicare doesn’t pay here: Medicare.gov

See the 2025 hospital & outpatient cost structure here: Medicare.gov