You’ve got 30–60 seconds to explain hospital indemnity before your client tunes out.
Don’t waste it talking about underwriting or riders or carriers.
Instead, use this simple script — short enough to memorize, strong enough to sell.
“This is a low-cost plan that pays you cash if you go into the hospital. You can use the money for anything — bills, travel, lost income, whatever.
It’s designed to fill in the gaps in your current coverage — like daily hospital charges, ambulance rides, and other out-of-pocket costs that sneak up on people.
Think of it like a sidecar for your main health plan — it doesn’t replace your insurance, it just steps in when something serious happens.
Most people get $200–$400/day of coverage for just $20–$40 a month. If something happens, it pays fast — no red tape. And you keep the money.
If we build this in now, you’re protected from surprise bills later. It’s one of the smartest things my clients do.”
✅ Starts with benefit to the client
✅ Speaks in plain language
✅ Frames it as essential, not extra
✅ Mentions price and payout without hesitation
✅ Positions you as a guide, not a salesperson
Here’s a 30-second version:
“Hospital indemnity pays you cash when you’re hospitalized — to use however you want.
It fills the gaps in your current plan, like ambulance costs, daily co-pays, or recovery expenses.
Most people spend around $25/month, and it pays $200–$400 a day. It’s fast, tax-free money.
I recommend we build this in now — so you’re not caught off guard later.”
Don’t call it “indemnity” at first — say “cash plan” or “gap protection” if the client’s eyes glaze over
Always say “pays you” — clients care about control
Compare it to things they know: car insurance, deductible help, income protection
Say “tax-free cash” — it triggers attention
Never over-explain it — leave room for them to ask questions
Scripts don’t make you robotic.
They make you clear.
When you master a short, confident hospital indemnity pitch, you stop fumbling. You stop overselling. You start closing.
“This is a no-pressure add-on — but it’s the one thing my smartest clients never skip.”
Learn more about the Ideal Flex Series Hospital Indemnity
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Brokers Fidelity
Phone: 913-374-1550
Email: hello@brokersfidelity.com
Address: 400 S Kansas Ave, Topeka, KS 66603