American Home Life IdealFlex Series Hospital Indemnity

IdealFlex Opportunity Overview

State Variations May Apply

Product Info

Ages: 18-89
Guaranteed Issue: 64.5-67
Unisex Rates
Household Discount = 12%

Base Options

• Daily Hospital Benefit
  • Maximum Days Per Period of Confinement: 2, 3, 4, 5, 6, 7, 8, 9, 10, 15, 20, 31 Days
• Lump Sum Hospital Benefit

Base Benefits

• Emergency Room/Urgent Care Admission Benefit
• Mental Health Confinement Benefit
• Pet Boarding Benefit
• Travel Companion Lodging Benefit
• Observation Admission Benefit

Optional Riders

• Ambulance Benefit
• Cancer Diagnosis Benefit
• Critical Accident & Accidental Death Benefit
• Daily Hospital Confinement Increasing Benefit
• Dual Hospital Confinement Benefit
• Heart Attack & Stroke Diagnosis Benefit
• Outpatient Rehabilitation Services Benefit
• Daily Skilled Nursing Facility Benefit
• Outpatient Surgical Procedure Benefit
• Lump Sum Hospital Confinement Benefit

Daily Increasing Benefit Rider

Policy Overview

• Rider Name: Daily Hospital Confinement Increasing Benefit Rider
• Annual Benefit Percentage Increase: 5% per completed rider year
• Maximum Benefit Percentage Increase: 50%

Eligibility and Application

• Fixed Indemnity Benefit:
  • The benefit payable under the Daily Hospital Confinement Indemnity Benefit increases by 5% annually for each full year the rider is active, up to a maximum of 50%.
• Conditions for Benefit Increase:
  • The rider must be in force at the time of claim.
  • The benefit increase is calculated based on the number of full years elapsed between the rider’s effective date and the date of the loss.
  • The increase applies only to the Daily Hospital Confinement Indemnity Benefit and not to other benefits under the policy or additional riders.

Dual Hospital Confinement Rider

Policy Overview

• Rider Name: Dual Hospital Confinement Benefit Rider
• Benefit Amount: $250-$500 per occurrence
• Maximum Periods of Confinement Per Calendar Year: 1

Household Resident:

• The insured’s spouse/individual aged 18 or older with whom the insured has continuously resided for the past 12 months.
• Must be the same Household Resident qualifying for the Household Premium Discount under the policy.

Eligibility

• Concurrent Confinement: Both the insured and the Household Resident must be confined in a hospital for at least 24 hours due to a loss caused by an injury or sickness.
• Coverage Conditions:
  • The insured’s hospital confinement must be covered
    under the policy to which this rider is attached.

Rate Details

• Unisex
• Household Discount – 12% – Applicant qualifies for the discount as long as they live with someone 18 or older. Only applicant needs to apply.
• Tobacco Load – 120%
• $25 One-Time Application Fee

Underwriting & Claims

Guaranteed Issue Window

• 64.5 – 67 years of age
• NO GI Window For Lump Sum Base, Heart/Stroke, or Cancer

Claims

• 30 Day Waiting Period
• 6 month pre-existing condition
• 2 Year Contestability

About American Home Life

• Founded in 1909 in Topeka, KS
• Mutual, Independent, B++ Stable Outlook
• $280,00,000 +, 37 States, 17k Agents