Ideal Flex Series Hospital Indemnity in Louisiana

Offered Through American Home Life & Brokers Fidelity

Brokers Fidelity proudly brings the Ideal Flex Series Hospital Indemnity Plan to Louisiana, underwritten by American Home Life Insurance Company. Whether you serve clients in Baton Rouge, New Orleans, Shreveport, or rural parishes, this plan delivers real value for seniors facing the gaps in Medicare coverage.

With over 900,000 Medicare beneficiaries in Louisiana and growing concern about out-of-pocket expenses, agents across the state are turning to hospital indemnity to offer peace of mind and added protection. The Ideal Flex Series was built to support agents with strong commissions, simplified underwriting, and customizable benefits that work in every community.

This product isn't just competitive — it's built for today’s senior market and ready to help you win more business in Louisiana.

Why Louisiana Needs the Ideal Flex Series

• High Medicare Advantage penetration with plans that carry copays and deductibles
• Many seniors rely on fixed incomes and can’t afford surprise hospital bills
• Frequent use of ER, observation, and inpatient care not fully covered by Medicare
• Clients in both cities and rural areas need a flexible, cash-based plan

About American Home Life Insurance Company (AHL)

American Home Life Insurance Company, founded in 1909 and headquartered in Topeka, Kansas, has a long history of providing dependable health and life insurance products. Their mission is rooted in supporting independent agents with easy-to-sell solutions and real-world benefits for working families and retirees.

The Ideal Flex Series represents their flagship hospital indemnity plan — offering cash benefits that policyholders can use any way they want. From covering inpatient stays to mental health, lodging, and even pet boarding, it's one of the most comprehensive H.I. plans available.

Product Highlights for Louisiana Agents

• 72.5% Street Commission — One of the highest in the industry
• Guaranteed Issue Ages 64.5–67 — Ideal for new-to-Medicare clients
• 12% Household Discount — Includes spouses and partners
• 5 Daily Benefits Included — ER, Observation, Mental Health, Lodging, Pet Boarding
• 10 Optional Riders — Like Ambulance, SNF, Outpatient Surgery
• Modern eApp — Mobile-friendly, accepts voice or text signatures

Ideal Clients in Louisiana

• People aging into Medicare who are concerned about copays
• Seniors enrolled in high-deductible Medicare Advantage plans
• Clients with frequent hospital visits, chronic illness, or mental health needs
• Families living in parishes with fewer hospital systems or providers

Parishes Covered in Louisiana

The Ideal Flex Series is approved statewide, including all 64 parishes:

Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard, Bienville, Bossier, Caddo, Calcasieu, Caldwell, Cameron, Catahoula, Claiborne, Concordia, De Soto, East Baton Rouge, East Carroll, East Feliciana, Evangeline, Franklin, Grant, Iberia, Iberville, Jackson, Jefferson, Jefferson Davis, Lafayette, Lafourche, LaSalle, Lincoln, Livingston, Madison, Morehouse, Natchitoches, Orleans, Ouachita, Plaquemines, Pointe Coupee, Rapides, Red River, Richland, Sabine, St. Bernard, St. Charles, St. Helena, St. James, St. John the Baptist, St. Landry, St. Martin, St. Mary, St. Tammany, Tangipahoa, Tensas, Terrebonne, Union, Vermilion, Vernon, Washington, Webster, West Baton Rouge, West Carroll, West Feliciana, Winn.

Become Appointed in Louisiana

Want to start selling the Ideal Flex Series in Louisiana? Here’s what we offer:

• Simple online contracting
• Product training and state-specific guides
• 24-hour onboarding turnaround
• Personalized agent support

Ready to get started? Visit www.brokersfidelity.com or email hello@brokersfidelity.com to begin the appointment process today.

Contact Us

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

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