Ideal Flex Series Hospital Indemnity in Michigan

Brought to You by American Home Life & Brokers Fidelity

From the Motor City to the Upper Peninsula, Michigan is now covered by one of the most flexible and agent-friendly hospital indemnity plans on the market — the Ideal Flex Series, underwritten by American Home Life Insurance Company and distributed by Brokers Fidelity.

With over 2.1 million Medicare beneficiaries statewide, Michigan offers a massive opportunity for agents looking to plug the gaps in Original Medicare or Advantage Plans. Whether you’re helping clients near Detroit, Grand Rapids, Traverse City, or even the frozen beauty of Marquette — this plan travels with you across all 83 counties.

Let’s face it — healthcare costs are rising, even in the Great Lakes State. Seniors deserve better coverage and more protection when unexpected hospital visits happen. That’s where the Ideal Flex Series comes in.

Why Michigan Agents Love This Plan

• It's perfect for clients with Medicare Advantage plans facing hospital co-pays
• Rural areas from the Thumb to the U.P. often lack large provider networks — this plan gives cash regardless of network access
• Snowbirds can take this plan with them to Florida or Arizona — it pays no matter where they’re hospitalized
• Fast eApp and no faxes = less winter driving for your team

Key Plan Highlights

• 72.5% Commission — Set up your income stream with strong residual potential
• Guaranteed Issue Ages 64.5–67 — No underwriting delays
• 12% Household Discount — Available even for roommates
• Built-In Benefits — Pays for mental health stays, ER visits, observation days, lodging, and even pet boarding
• 10 Optional Riders — Cover outpatient surgery, ambulance, skilled nursing, and more
• eApp with Voice/Text Signatures — Enroll anywhere, anytime

Meet the Michigan Client Profile

• Retirees living near the lakes or rural areas with high-deductible coverage
• Clients switching from employer plans and worried about out-of-pocket costs
• Veterans supplementing VA or TRICARE coverage
• Seniors with Medicare Advantage who want extra financial protection

Fun Fact: The Pet Boarding Benefit is a Hit in Michigan

Whether your client’s golden retriever is named Mackinac or MoTown, the built-in pet boarding benefit gives peace of mind during hospital stays — a unique feature many Michigan clients adore. It’s the little things that build trust.

About the Carrier

American Home Life Insurance Company, founded in 1909 and based in Topeka, Kansas, has a long tradition of service, stability, and heartland values. Their flagship Ideal Flex Series is built for modern needs — blending simplicity, flexibility, and value.

Statewide Availability

The Ideal Flex Series is approved in all 83 counties across Michigan, including high-population areas like Wayne, Oakland, Kent, Macomb, Genesee, and Washtenaw, as well as remote counties like Keweenaw, Ontonagon, and Alcona. This product provides consistent protection whether your client lives in Detroit, Traverse City, or the Upper Peninsula.

Appoint Now & Start Selling

Getting appointed in Michigan is quick and simple:

• Submit your info through our online portal
• We'll walk you through everything — eApp, training, quoting, and sales support
• Start earning commissions within days

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

Contact Us

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

← Back to National Product Page