Ideal Flex Series Hospital Indemnity in Kentucky | Brokers Fidelity

Ideal Flex Series Hospital Indemnity in Kentucky

Offered Through American Home Life & Brokers Fidelity

Brokers Fidelity proudly brings the Ideal Flex Series Hospital Indemnity Plan to Kentucky, underwritten by American Home Life Insurance Company. This product was built to meet the needs of Kentucky seniors — from Louisville to Lexington to Pikeville — and supports agents with generous compensation, simplified underwriting, and meaningful benefits.

There are over 950,000 Medicare beneficiaries in Kentucky. As out-of-pocket costs rise and access to care shifts, more agents are turning to hospital indemnity plans like the Ideal Flex Series to bridge the gaps in Original Medicare, Med Supp, and Advantage coverage.

This plan stands out with its flexibility, ease of use, and competitive payouts, making it a core product for agents who serve the senior market across the Bluegrass State.

Why Kentucky Needs the Ideal Flex Series

  • Observation stays and mental health visits aren't fully covered by Medicare
  • Rural counties often face limited hospital access and longer transport times
  • Clients on Medicare Advantage or high-deductible Med Supps need cash-based backup
  • Seniors are increasingly seeking customizable, low-cost coverage options

About American Home Life Insurance Company (AHL)

Founded in 1909 and based in Topeka, Kansas, American Home Life Insurance Company has served families across the country for more than a century. With a history rooted in the heartland, AHL brings a trusted reputation and agent-first mentality to its product offerings.

The Ideal Flex Series is the next evolution in that mission — a hospital indemnity plan built to give agents the flexibility and support they need while delivering real protection to policyholders.

Kentucky agents working with AHL aren’t just pushing paper — they’re representing a company known for integrity, service, and modernized solutions that work in both rural and urban markets.

Product Highlights for Kentucky Agents

  • 72.5% Street Contract — Competitive top-level compensation
  • Guaranteed Issue Ages 64.5–67 — No medical questions
  • 12% Household Discount — Applies to roommates, spouses, or partners
  • 5 Daily Benefits Built-In — Includes Observation, ER, Mental Health, Lodging, Pet Boarding
  • 10 Optional Riders — Including Ambulance, Surgery, Skilled Nursing Facility
  • Mobile-Friendly eApp — Accepts voice and text signatures

Ideal Clients in Kentucky

  • Low-income seniors aging into Medicare
  • Clients with limited VA benefits
  • People who rely on Medicare Advantage but need gap protection
  • Rural residents with high hospital transportation costs

Major Kentucky Counties Covered

The Ideal Flex Series is approved statewide in all 120 counties, including:

Adair, Allen, Anderson, Ballard, Barren, Bath, Bell, Boone, Bourbon, Boyd, Boyle, Bracken, Breathitt, Breckinridge, Butler, Caldwell, Calloway, Campbell, Carlisle, Carroll, Carter, Casey, Christian, Clark, Clay, Crittenden, Cumberland, Daviess, Edmonson, Elliott, Estill, Fayette, Fleming, Floyd, Franklin, Fulton, Gallatin, Garrard, Grant, Graves, Grayson, Green, Greenup, Hancock, Hardin, Harlan, Harrison, Hart, Henderson, Henry, Hickman, Hopkins, Jackson, Jefferson, Jessamine, Johnson, Kenton, Knott, Knox, LaRue, Laurel, Lawrence, Lee, Leslie, Letcher, Lewis, Lincoln, Livingston, Logan, Lyon, Madison, Magoffin, Marion, Marshall, Martin, Mason, McCracken, McCreary, McLean, Meade, Menifee, Mercer, Metcalfe, Monroe, Montgomery, Morgan, Muhlenberg, Nelson, Nicholas, Ohio, Oldham, Owen, Owsley, Pendleton, Perry, Pike, Powell, Pulaski, Robertson, Rockcastle, Rowan, Russell, Scott, Shelby, Simpson, Spencer, Taylor, Todd, Trigg, Trimble, Union, Warren, Washington, Wayne, Webster, Whitley, Wolfe, Woodford.

Become Appointed in Kentucky

Ready to sell the Ideal Flex Series in Kentucky? We’ll get you up and running fast with:

  • Online contracting with Brokers Fidelity
  • State-specific product training
  • Agent guides and consumer brochures
  • Onboarding and support within 24 hours

Get started now at www.brokersfidelity.com or email us at hello@brokersfidelity.com.

Contact Us

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

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