Ideal Flex Series Overview | Hospital Indemnity Plan

Product Highlights

Product highlights include built-in benefits, flexible plan options, top-tier commissions, fast eApp and contracting, and simplified signature methods, designed to help agents write more business with less friction.

Approved States

As of July 18, 2025, the Ideal Flex Series is fully approved and ready to sell in the following 10 states: Texas (TX), Wyoming (WY), North Dakota (ND), Wisconsin (WI), Kentucky (KY), Tennessee (TN), Mississippi (MS), Alabama (AL), Georgia (GA), and Florida (FL).

GI Window

The Guaranteed Issue (GI) window for the Ideal Flex Series Hospital Indemnity product is available to applicants aged 64.5 to 67. Applicants within this age range can qualify with no health questions asked, making it an ideal fit for those transitioning into Medicare.

Household Discount

The Ideal Flex Series offers a 12% household discount for applicants who live with another adult age 18 or older — no relation required. Roommates, partners, or any adult household member qualify the applicant for the discount.

Daily Base Benefits

The Ideal Flex Series Daily Base Plan includes five built-in benefits: ER/Urgent Care Admission, Mental Health Confinement, Pet Boarding, Travel Companion Lodging, and both Daily and Lump Sum Observation Admission Benefits.

Commission

The Ideal Flex Series offers a 72.5% street-level commission—one of the highest in the industry. Agents earn top-tier compensation when writing the Ideal Flex Series Hospital Indemnity.

Process

The Ideal Flex Series features a fast eApp and streamlined contracting process, plus two flexible signature methods: text message authorization and voice authorization—making it easy to write business anytime, anywhere.

Brokers Fidelity is proud to be a premier partner for the Ideal Flex Series Hospital Indemnity product from American Home Life Insurance Company. From concept to launch, we played a direct role in shaping the Ideal Flex Series to meet the real needs of today’s agents and their clients. With built-in benefits, flexible plan structures, and one of the highest street-level commissions in the industry, the Ideal Flex Series Hospital Indemnity plan is a powerful solution in the senior market. Our close collaboration with American Home Life Insurance Company ensures that our agents get exclusive tools, training, and support that set them apart from the field.

Whether you're new to Hospital Indemnity or looking for a better partner, Brokers Fidelity and the Ideal Flex Series are built to help you grow.

For full product specs, appointment materials, and marketing tools, call Brokers Fidelity or visit: www.brokersfidelity.com
Phone: 913-374-1550
Email: hello@brokersfidelity.com
Address: 400 S Kansas Ave, Topeka, KS 66603

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American Home Life

Ideal Flex Series Hospital Indemnity