Ideal Flex Series Hospital Indemnity in North Dakota

Brought to You by American Home Life & Brokers Fidelity

Brokers Fidelity is proud to be a premier distribution partner for the Ideal Flex Series Hospital Indemnity Plan in North Dakota, underwritten by American Home Life Insurance Company. This product was built to support agents and seniors in every corner of the Peace Garden State—from the capital city of Bismarck to the plains of Bowman and the oilfields of Williston.

North Dakota may be sparsely populated, but its aging population continues to grow—and with that, the need for affordable, reliable supplemental coverage becomes even more important.

Why North Dakota Needs the Ideal Flex Series

North Dakota is home to approximately 130,000 Medicare beneficiaries, and nearly 60% of enrollees choose Medicare Advantage. But even those on Med Supp or Advantage plans face coverage gaps—especially for inpatient hospital stays, observation care, ER visits, mental health confinement, and more.

The Ideal Flex Series helps protect seniors from unexpected out-of-pocket costs with:

• Cash benefits paid directly to the policyholder for hospital stays
• Built-in benefits for ER/Urgent Care, mental health, observation care, and more
• Optional riders including ambulance, outpatient surgery, SNF, and daily indemnity

Whether you’re selling in Fargo, Minot, or Devils Lake, this plan adds value to your Med Supp and Medicare Advantage clients.

Product Highlights for North Dakota Agents

• 72.5% Street Commission — Among the most competitive payouts in the industry
• Guaranteed Issue (GI) Ages 64.5 to 67 — No health questions
• 12% Household Discount — Applies to roommates or spouses
• 5 Daily Built-in Benefits — Mental Health, Observation, ER/Urgent Care, Travel Lodging, Pet Boarding
• 10 Optional Riders — Flexible benefits your clients will actually use
• eApplication with Text or Voice Signature — Fast, compliant, and senior-friendly

Selling in North Dakota? Here’s What to Know:

The Ideal Flex Series is available statewide across North Dakota’s 53 counties. From Burleigh (Bismarck) to Cass (Fargo) to the western oil country in Williams County, agents can sell confidently knowing this product was built with the realities of rural medicine and Medicare in mind.

This plan is ideal for:

• Seniors enrolling in high-deductible Medicare Supplement plans
• Medicare Advantage clients with inpatient cost exposure
• Veterans using Medicare as secondary coverage
• Rural residents far from hospital networks or limited by provider access

Become Appointed in North Dakota

Want to start selling Ideal Flex in North Dakota? Let’s get you appointed today. We offer:

• Simple online contracting
• Agent training and onboarding
• Same-day turnaround in most cases

Go to www.brokersfidelity.com or email hello@brokersfidelity.com and we’ll get you set up.

About Brokers Fidelity

Brokers Fidelity helped bring the Ideal Flex Series to life, working hand-in-hand with American Home Life Insurance Company on product design, pricing, and distribution. We specialize in senior health insurance and are committed to helping agents grow with top-level contracts and real support.

Contact Us

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

Full County List (North Dakota)

Adams, Barnes, Benson, Billings, Bottineau, Bowman, Burke, Burleigh, Cass, Cavalier, Dickey, Divide, Dunn, Eddy, Emmons, Foster, Golden Valley, Grand Forks, Grant, Griggs, Hettinger, Kidder, LaMoure, Logan, McHenry, McIntosh, McKenzie, McLean, Mercer, Morton, Mountrail, Nelson, Oliver, Pembina, Pierce, Ramsey, Ransom, Renville, Richland, Rolette, Sargent, Sheridan, Sioux, Slope, Stark, Steele, Stutsman, Towner, Traill, Walsh, Ward, Wells, Williams

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