Ideal Flex Series Hospital Indemnity in Iowa | Brokers Fidelity

Sell Ideal Flex Series Hospital Indemnity in Iowa

Where Cornfields Meet Commissions

From the rolling plains of Jasper to the bridges of Madison County, Iowa’s Medicare market is filled with opportunity. Agents looking to make a real difference — and real money — now have the perfect tool: the Ideal Flex Series Hospital Indemnity Plan, brought to you by American Home Life and distributed through Brokers Fidelity.

Medicare Gaps Are No Joke in the Hawkeye State

More than 650,000 Iowans rely on Medicare. And while Des Moines and Cedar Rapids offer strong provider networks, many rural counties — like Ringgold, Osceola, and Louisa — face limited access to in-network care. Whether your clients are enrolled in Original Medicare or Medicare Advantage, the out-of-pocket exposure from hospital stays, ER visits, or skilled nursing care is real. That’s where Hospital Indemnity steps in.

The Ideal Flex Series: Built for Iowa Agents

  • 72.5% Street-Level Commission — Because you deserve to get paid for doing the right thing
  • Guaranteed Issue Ages 64.5–67 — No health questions, no underwriting delay
  • 12% Household Discount — Married, partnered, or just sharing the rent? It counts!
  • 5 Daily Built-In Benefits — Includes ER, Observation, Mental Health, Pet Boarding (yes, seriously), and Travel Lodging
  • 10 Optional Riders — Customize your client's plan with Cancer, Ambulance, SNF, and more
  • Easy eApp — Voice and text signature supported. Done in minutes, not days.

Iowa’s Covered — Corner to Corner

Whether you’re working metro Des Moines, rural Winnebago County, or lakeside Dickinson, this plan is good to go. Approved in all 99 counties and flexible enough to meet the needs of any Medicare client, Ideal Flex Series is the hospital indemnity plan Iowa didn’t know it needed — until now.

Complete County List

Adair, Adams, Allamakee, Appanoose, Audubon, Benton, Black Hawk, Boone, Bremer, Buchanan, Buena Vista, Butler, Calhoun, Carroll, Cass, Cedar, Cerro Gordo, Cherokee, Chickasaw, Clarke, Clay, Clayton, Clinton, Crawford, Dallas, Davis, Decatur, Delaware, Des Moines, Dickinson, Dubuque, Emmet, Fayette, Floyd, Franklin, Fremont, Greene, Grundy, Guthrie, Hamilton, Hancock, Hardin, Harrison, Henry, Howard, Humboldt, Ida, Iowa, Jackson, Jasper, Jefferson, Johnson, Jones, Keokuk, Kossuth, Lee, Linn, Louisa, Lucas, Lyon, Madison, Mahaska, Marion, Marshall, Mills, Mitchell, Monona, Monroe, Montgomery, Muscatine, O'Brien, Osceola, Page, Palo Alto, Plymouth, Pocahontas, Polk, Pottawattamie, Poweshiek, Ringgold, Sac, Scott, Shelby, Sioux, Story, Tama, Taylor, Union, Van Buren, Wapello, Warren, Washington, Wayne, Webster, Winnebago, Winneshiek, Woodbury, Worth, Wright

Iowa Quick Facts for Agents

  • 1 in 5 Iowans is over the age of 60
  • 30% of Iowa counties are classified as health professional shortage areas
  • Iowa ranks in the top 5 states for long-term care facility density — where supplemental coverage is a huge plus
  • Medicare Advantage penetration is growing, but Original Medicare still dominates rural regions

How to Get Appointed

If you're ready to help Iowans cover their gaps — and build real renewal income while doing it — this is your moment. We’ve made it dead simple:

  • Contract online in minutes
  • Training and onboarding included
  • Quoting tools, sales flyers, and marketing support provided

Visit www.brokersfidelity.com or email us at hello@brokersfidelity.com to get started.

About Brokers Fidelity

We’re not some faceless hierarchy — we’re real humans who’ve built a reputation around doing the hard work right. Our partnership with American Home Life gives you access to top-tier products like the Ideal Flex Series with unmatched support, transparent communication, and a vested interest in your success. Whether you write one app or a hundred, we treat every agent like a priority.

Contact Us

Brokers Fidelity
400 S Kansas Ave, Topeka, KS 66603
Phone: 913-374-1550
Email: hello@brokersfidelity.com

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