When it comes to protecting Medicare clients from unexpected hospitalization costs, Hospital Indemnity Insurance is one of the most powerful tools an agent can offer. But choosing the right plan matters. With dozens of carriers competing in this space, it’s easy to assume they all look the same on paper.
Today, we’re comparing two standout products: the Ideal Flex Series Hospital Indemnity from American Home Life Insurance Company and Secure Advantage Flex from Heartland National Life. Both offer flexibility and customization, but the differences in benefits, issue ages, built-in features, and discount structure are critical to understand—especially if you want to close more confidently and compliantly.
As the premier distribution partner behind Ideal Flex, Brokers Fidelity had a direct hand in the product’s design, development, and launch. Here’s how it stacks up in the real world.
Included in every Daily Base Plan:
Daily Hospital Confinement Benefit
Observation Admission Benefit (Daily + Lump Sum)
Emergency Room / Urgent Care Admission
Mental Health Confinement
Travel Companion Lodging
Pet Boarding Benefit
No riders required. These come standard in every policy.
Base plan includes:
Daily Hospital Confinement
Emergency Room Benefit
Observation Unit Benefit
Other benefits must be added via optional riders, where available.
🟩 Verdict:
Ideal Flex wins. With more built-in value—and benefits that address real-life gaps—agents don’t need to remember extra riders or increase premiums to provide comprehensive coverage.
Guaranteed Issue: Ages 64.5 to 67
Issue Age Range: 18 to 89
Guaranteed Issue: Ages 64.5 to 65.5
Issue Age Range: 18 to 85
🟩 Verdict:
Ideal Flex offers broader eligibility. A wider GI window and higher issue age means more clients qualify—especially those enrolling later or working past 65.
Fast eApp
Voice Signature
Text Message Authorization
eApp available
Email Authorization
Text Message Authorization
No voice signature option
🟩 Verdict:
Ideal Flex wins on flexibility. With all-digital options—including voice and text authorization—agents can close business more efficiently, especially in telesales or remote enrollment settings. Heartland’s text and email options are solid, but the lack of voice authorization can slow things down in real-time conversations.
12% household discount
Applies when applicant lives with any adult age 18+ (roommate, partner, etc.)
No relation required
7% household discount
Typically applies to spouse/domestic partner scenarios
🟩 Verdict:
Ideal Flex wins. It offers a larger discount with more inclusive rules—giving agents an edge and clients more savings, even if they’re living with a roommate instead of a spouse.
Both plans offer a range of optional riders to customize coverage based on the client’s health risks, lifestyle, and budget.
Ambulance Benefit
Cancer Diagnosis Benefit
Heart Attack & Stroke Diagnosis Benefit
Critical Accident & Accidental Death Benefit
Lump Sum Hospital Confinement Benefit
Outpatient Surgical Procedure Benefit
Outpatient Rehabilitation Services Benefit
Daily Skilled Nursing Facility Benefit
Daily Hospital Confinement Increasing Benefit
Dual Hospital Confinement Benefit
Lump Sum Cancer
Lump Sum Hospital Confinement
Outpatient Surgery
Ambulance
Skilled Nursing
Wellness
Dental, Vision, Hearing (DVH)
🟨 Verdict:
Both plans offer solid customization, but Ideal Flex leans clinical and hospitalization-focused, while Heartland’s mix includes broader lifestyle coverage (e.g., DVH and wellness). If your client is focused on core health events like cancer, stroke, and recovery care, Ideal Flex delivers a more medically relevant set of riders built for senior health.
Ideal Flex: 72.5% street-level commission with Brokers Fidelity
Secure Advantage Flex: Typically 55%, depending on FMO
🟩 Verdict:
Ideal Flex wins on compensation. With 72.5% commission at street level, agents earn more while offering a plan that’s easier to sell.
Co-developed by Brokers Fidelity and American Home Life, Ideal Flex is rooted in real-world agent feedback. The built-in benefits address common pain points like ER visits, observation stays, and even pet boarding—without requiring riders.
Modular and customizable, but more reliant on riders to build up protection. Strong in concept, but more steps in the sales flow.
🟩 Verdict:
Ideal Flex simplifies the sale. Fewer moving parts, fewer things to remember, and higher perceived value without needing to upsell.
| Feature | Ideal Flex (AHL) | Secure Advantage Flex (HNL) |
|---|---|---|
| Built-In Benefits | 6 standard in base plan | 3 standard, others via rider |
| Observation Benefit | Included (Daily + Lump Sum) | Included |
| Mental Health Coverage | Included | Not included by default |
| Pet Boarding + Travel Lodging | Included | Not offered |
| GI Window | 64.5–67 | 64.5–65.5 |
| Issue Ages | Up to 89 | Up to 85 |
| Household Discount | 12% (roommate or adult 18+) | 7% (spouse/partner only) |
| eApp + Signature Options | eApp, voice, text | eApp, email, text |
| Street Commission | 72.5% | 55% |
Both plans are strong in their own ways—but when you compare what’s built-in, what’s flexible, and what’s easier to sell, the Ideal Flex Series from American Home Life comes out ahead.
With more inclusive eligibility, stronger default benefits, higher commissions, and a more streamlined application process, Ideal Flex is designed for how agents actually sell.
At Brokers Fidelity, we don’t just distribute Ideal Flex—we helped build it. That means our agents get insider access, marketing tools, and training you won’t find anywhere else.
Join the distribution partner who helped launch it.
www.brokersfidelity.com
hello@brokersfidelity.com
913-374-1550
Ideal Flex Series Hospital Indemnity from American Home Life Insurance Company — Available through Brokers Fidelity.