If you sell Medicare products, you already know the challenges. Whether it's high inpatient copays on MAPD plans or unexpected out-of-pocket expenses, your senior clients often need additional protection.
The Ideal Flex Series from American Home Life Insurance Company was built to meet that need. It isn't just another hospital indemnity plan — it's a modern solution designed from the ground up with input from real agents in the field.
Hospital indemnity plans pay a fixed cash benefit directly to the insured when they are admitted to a hospital or face certain medical events. These plans are designed to work alongside Medicare Advantage, helping to cover:
Daily hospital copays
Ambulance transportation
Observation stays
Skilled nursing facility costs
And more
As Medicare Advantage plans have become more popular, many have shifted more cost burden onto the patient. That makes hospital indemnity more valuable than ever.
The Ideal Flex Series wasn’t built by actuaries in a vacuum. It was built with agent feedback, with a structure that matches how Medicare Advantage is sold and how clients actually use care.
Key features of the Ideal Flex plan include:
Simple, transparent benefits
Guaranteed issue options for key age groups
Optional riders for ambulance, skilled nursing, observation, and more
National availability through appointed agents
Streamlined application and policy issue process
Because Ideal Flex is issued by American Home Life, you get the stability of a century-old mutual company without the limitations and conflicts that often come from working with major distributors.
For agents, Ideal Flex is more than an optional add-on. It's a strategic advantage.
It allows you to:
Deliver more complete coverage to your clients
Protect against the rising costs inside Medicare Advantage plans
Earn additional commissions on every sale
Open the door to meaningful conversations about other products like dental, cancer, or recovery care
With easy enrollment and a clean benefit design, Ideal Flex makes it simple to add value without complicating your workflow.
If you're an agent looking for a quick overview, here’s what you need to know:
72.5% Street-Level Contract
12% Household Discount (Roommate Only)
5 Core Benefits Included in the Base Plan
10 Optional Riders for Tailored Coverage
Two Signature Methods Available:
Text Message Authorization
Voice Authorization
Attached PDF includes full product specs, benefit options, and state availability.
Medicare Advantage plans are evolving. Commission structures are being reduced. Regulation is increasing. If you're not offering solutions like hospital indemnity, you're missing an opportunity to differentiate yourself and retain more clients long term.
Ideal Flex offers a way to stand out. It positions you as a trusted resource, someone who doesn’t just sell plans, but builds real protection strategies.
This product wasn’t designed to be a commodity. It was designed to be the best hospital indemnity product on the market for the agents who understand the need and are ready to meet it.
If you're ready to offer Ideal Flex to your clients, we're here to help. Brokers Fidelity provides access to the plan, agent training, and the tools you need to start strong.
For full product specs, appointment materials, and marketing tools, call Brokers Fidelity or visit:
www.brokersfidelity.com
Brokers Fidelity
Phone: 913-374-1550
Email: hello@brokersfidelity.com
Address: 400 S Kansas Ave, Topeka, KS 66603