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A Simple Way Insurance Agents Are Expanding Their Product Mix
Hospital indemnity insurance plans continue to gain traction as more clients face rising out-of-pocket costs tied to hospital stays. For insurance agents, these plans offer a practical way to add supplemental protection without overcomplicating the sales process.
Because hospital indemnity insurance pays fixed cash benefits directly to the policyholder, it fits naturally alongside Medicare plans, ACA coverage, employer-based health insurance, and other ancillary products. It is also typically available year-round, making it a strong option for agents looking to increase revenue per client outside of traditional enrollment periods.
At PSM Brokerage, we see hospital indemnity plans used most effectively when agents focus on education, proper positioning, and compliance. When clients understand how hospital costs actually work, the value of supplemental coverage becomes much easier to explain.
To help agents evaluate whether hospital indemnity insurance makes sense for their business, we put together a practical, agent-focused guide that covers:
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What hospital indemnity insurance is and how it works
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Who it is best suited for
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How agents typically position it
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When it can be sold
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Key compliance considerations
👉 Learn more about how to sell hospital indemnity insurance plans
If you are an insurance agent looking to expand your offerings in a responsible, client-focused way, this resource is a good place to start.
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