Insurance plays a crucial role in nearly every aspect of life. Whether it’s for your health, pets, home, automobile, or travel plans, having the right insurance coverage is essential to protect against loss or damage. The importance of the insurance industry is clear when you consider that in 2019, it contributed approximately $630 billion to the U.S. GDP, accounting for 2.9% of the total economy.
Even if you’re not directly involved in the insurance sector, you can still benefit from this massive industry through affiliate marketing. By joining an affiliate network, you can promote insurance policies to your audience and earn commissions without being a licensed insurance agent.
If you run a blog focused on sports, pets, travel, electronics, or any other niche, you can recommend relevant insurance products to your readers. But which platform should you choose to maximize your success?
Let’s explore the growing popularity of best insurance affiliate programs and why they can be a lucrative opportunity.
The Growing Popularity of Insurance Affiliate Programs
Insurance affiliate programs are highly popular for good reason. Just like the insurance industry itself, these programs offer significant financial rewards. Here’s why endorsing insurance companies through affiliate marketing can be so profitable.
Lucrative Earning Potential
How much can you earn by promoting insurance companies? The answer is: quite a lot. Even if you join a smaller affiliate network, the earnings potential is still substantial. The high commissions offered by insurance companies make this niche more financially rewarding than many other markets.
Broad Audience Appeal
Regardless of your blog’s niche, there will always be readers in need of insurance. Whether they are searching for health insurance, auto insurance, or small business insurance, insurance is something that almost everyone requires at some point. By joining an insurance affiliate program, you can attract a wide range of potential customers to your blog, who not only purchase policies but also appreciate the valuable services you recommend.
Opportunities to Partner with Reputable Companies
Many well-known insurance companies offer affiliate programs. Partnering with these reputable organizations not only increases the likelihood of conversions but also enhances the credibility of your website. A partnership with a trusted brand can elevate your site’s reputation and attract even more visitors.
Recurring Income Potential
The insurance industry is evergreen—people will always need coverage. Even after a customer purchases a policy, they will eventually need to renew it. If your readers trust the insurance companies you’ve recommended, they are likely to return to those same companies when renewing their policies. This gives you the opportunity to earn recurring commissions from the same customer.
How to Choose the Best Insurance Affiliate Program for Your Blog
Given the variety of best insurance affiliate programs available, choosing the best one for your audience can be challenging. In this article, we’ll break down some of the top best insurance affiliate programs to help you select the best fit for your niche.
Best Insurance Affiliate Programs In 2024:
Here is the list of top 15 best Insurance Affiliate Programs in 2024 and 2025:
- Lemonade affiliate program
- Cover-Mode affiliate program
- Bestow affiliate program
- Fabric affiliate program
- Allstate affiliate program
- USAA affiliate program
- Ethos Life affiliate program
- Chubb affiliate program
- Liberty Mutual affiliate program
- Embrace affiliate program
- Insurify affiliate program
- World Nomads affiliate program
- Allainz Care affiliate program
- Pawp affiliate program
- Hippo affiliate program
1. Lemonade Affiliate Program:
A fintech business called Lemonade was established in New York City in 2015. For online insurance sales that can take as short as 90 seconds, brokers have been eliminated. With a few mouse clicks, customers may enroll in home, car, pet, as well as life insurance.
Depending on the type of insurance you buy, Lemonade insurance affiliate network offers commission payments. Affiliates receive a 30-day cookie option to convert sign-ups at prices that start at roughly $15 per lead generated.
With Lemonade, a fintech company that is transforming the insurance industry, there are numerous marketing options. Lemonade extends the red carpet in terms of usability, and millennials are known for loving convenience.
Details:
- Name of the programme: Lemonade Affiliate Program
- Software and Network: AdmitAd, Awin, and Sovrn
- Commission: $15.00 for pet leads, €30.00 for renter and homeowner leads (Awin), (Sovrn) (AdmitAd)
- Cookie duration: 30 days (Awin, AdmitAd), not specified (Sovrn)
- Markets: Global (Sovrn), US (Awin), DE, NL, FR (Awin), and US (AdmitAd)
2. Cover-More Affiliate Program:
Australian travel insurance is offered through Cover-More. They offer coverage for local and foreign travel, skiing and snowboarding, motorcycles, and mopeds.
Within 30 days, their affiliate marketing programme gives 6.4% to 10% on each policy sold.
As travel trends change all around the world, there are enormous marketing potential in travel insurance. This is as a result of increased caution on the part of travellers over their insurance coverage.
Cover-More has updated their offers in reaction to the pandemic to include a app with accessibility to 24/7 emergency support, which might be a wonderful selling point.
Cover-More can be a wonderful insurance affiliate programme if your audience includes regular travellers in Australia or New Zealand.
Details:
- Name of the programme: Cover-More Affiliate Program
- Network / Software: FlexOffers, Commission Factory
- Commissions: 6.4% (FlexOffers), 8% (Commission Factory), 10% (Commission Factory), and
- 10% on each sold policy, respectively (FlexOffers)
- Cookie lifecycle: 30 days
- Markets: AU Commission Factory, NZ Commission Factory, NZ FlexOffers, and AU FlexOffers
3. Bestow Affiliate Program:
Fintech life insurance provider Bestow was established in the US in 2016. By avoiding invasive medical exams, they simplify the process of obtaining life insurance coverage.
Bestow insurance policies are accessible to anybody between the ages of 18 and 60, have coverage ranges in $50,000 to $1.5 million, and have periods ranging from 10 to 30 years. Centurion Life Insurance was purchased by the business in 2021, indicating growth objectives.
The company has also made considerable investments in a user-friendly website, stylish design, and user experience.
A flat compensation rate of up to $40 is provided by the Bestow affiliate programme for each lead. It targets new parents, honeymooners, homeowners, or small business owners in particular.
Consider using Bestow if your US audience is looking for hassle-free life insurance.
Details:
- Name of the programme: Bestow Affiliate Program
- Network / Software: Impact, Sovrn, FlexOffers
- Commission: $40.00 for each lead submitted to FlexOffers, $25.00 for each lead submitted to
- Impact (Sovrn)
- 30-day cookie period (FlexOffers, Impact), not specified (Sovrn)
- Markets: worldwide
4. Fabric Affiliate Program:
An entirely digital insurance platform with headquarters in the US, Fabric aims to assist parents in making better plans. Family financial planning, Online wills, as well as life insurance are among the services they offer. The fact that Western and Southern Financial Group purchased the business in January 2022 shows that there are significant aspirations for digital growth.
With a substantial $80 to $100 commission for sales, and 64% on premium plans, the Fabric affiliate programme is very attractive. For $250K to $500K in coverage, payment levels on Fabric insurance policies run from $14 to $41 per month. When joining up, affiliates should be aware that the cookie length can range from one day to thirty days based on the platform.
Details:
- Name of the programme: Fabric Affiliate Program
- Network / Software: FlexOffers, Impact, ShareASale
- Commission: $100.00 Application Submitted (Impact), $80.00 Fabric Premium – all plan (ShareASale), and 64% of revenues (Fabric Premium- all plans) (FlexOffers)
- Cookie duration: 1 day (ShareASale, FlexOffers), 1 month (Impact)
US markets
5. Allstate Affiliate Program:
American insurance provider Allstate has been in business since the 1930s. The name might be recognisable to you because of their enduring cable TV infomercials from the 2000s. Allstate offers a wide range of insurance products, including life, auto, home, business, and identity protection.
Depending on the scheme, the Allstate affiliate programme pays $6 to $28 for each lead. This program’s extremely short cookie duration only of 5 days could be a drawback.
On the plus side, many Americans are familiar with the name Allstate. Because of their established brand recognition, prospective buyers may be more inclined to trust their items. This corporate reputation can significantly aid in sales conversion for affiliates.
Details:
- Name of the program: Allstate Affiliate Program
- Network / Software: Impact, Sovrn, FlexOffers
- Commission: $28.00 for home quote sale, $6.40 for a quotation packed for renters and motorcycles, $15.00 Auto or Renters Bundled Quote, $15.00 Auto Quote, $6.00 Moto Quote, $20.00 Home Quote Impact, $13.60 Auto
- Quote Lead- FlexOffers.
- Cookie Duration: Five days FlexOffers, Impact, not specified
- Markets: worldwide
6. USAA Affiliate Program:
Army commanders founded USAA Insurance in 1922, and it now only caters to the military community. They offer guidance on banking, investments, retirement, and insurance.
Affiliate marketers may rely on USAA Insurance’s substantial social network following of above 1.3 million people across platforms to generate purchases. The company has also employed some astute content marketing strategies, including collaborating with football star Gronk on a previous media campaign.
This insurance affiliate programme is hosted by CJ Affiliate and pays out between $1 and $36 for each lead during a 30-day cookie window. This insurance affiliate network is an easy choice if your audience includes members of the American military.
Details:
- Name of the program: USAA Affiliate Program
- Software and Network: CJ Affiliate
- Commission: $36.00 Eligibility Quote Lead, $1.00 Enterprise (Universal Tag), $4.00 Umbrella Insurance, $5.00
- Renters Insurance (Universal Tag), $10.00 Homeowners Insurance, $20.00 App Complete – VPP
- Cookie lifecycle: 30 days
- US markets
7. Ethos Life Affiliate Program:
Online insurance provider Ethos Life is headquartered in Austin, Texas, a centre for fintech. When that comes to life insurance, it has a people-first approach that offers clear, reasonably priced insurance services that are accessible through a straightforward application process. With a $2 billion value and significant expansion plans for the future, Ethos received $200 million through investors in 2021.
Through Ethos’ insurance affiliate network, content providers can work together and earn up to $55 each sale.
Some people might not like the 7-day cookie window, but given how simple the purchasing process is, you may not need an extended cookie period to generate transactions.
Look no far than Ethos if you’re searching for a modern, rapidly expanding fintech business those appeals to younger generations.
Details:
- Name of the program: Ethos Life Affiliate Program
- Impact of Network / Software
- Commission: $20.00 to $55.00 each marketing lead
- Cookie lifetime: seven days
- US markets
8. Chubb Affiliate Program:
Chubb is a US-based provider of property and casualty insurance services with a presence all over the world. Along with other clients, they cover commercial portfolios for big businesses and high net worth people on the consumer side.
The Chubb affiliate program has a seven-day cookie window and gives a commission rate of about 5%. This may be a selling advantage for you if your audience owns properties all over the world because the business operates locations in 54 different nations.
On their website, they claim to offer insurance both for business and pleasure, specifically for sailboats as well as cargo ships. Therefore, this insurance affiliate program can be a suitable fit if your audience consists of business owners or high net worth individuals.
Details:
- Name of the program: Chubb Affiliate Program
- Network / Software: Rakuten, FlexOffers, Sovrn
- Commission: 6% (Rakuten), 5% (FlexOffers),
- Cookie duration: Seven days (FlexOffers, Rakuten), not specified
- Markets: Global, BR (Rakuten), US (FlexOffers)
9. Liberty Mutual Affiliate Program:
Another well-known firm in American insurance is Liberty Mutual. They are the sixth-largest property and liability firm in the world and provide car, casualty, risks, and property insurance.
The $3–$13 flat rate rewards are available through Liberty Mutual insurance affiliate programme. In comparison to rivals on this list, their 30-day cookie window is fairly generous.
With more than 2 million followers on social media, Liberty Mutual has a significant amount of brand recognition.
This affiliate programme may be a suitable fit for you if you have previously purchased Liberty Mutual insurance plan and are a satisfied client.
Details:
- Name of the program: Liberty Mutual Affiliate Program
- Network / Software: FlexOffers, Sovrn, CJ Affiliate
- Commission: $3.00 for renters and $10.00 for homeowners and automobiles per item on the item list. $8.80 to $10.80 Auto Insurance Quote (FlexOffers), $4.00 to $4.80 Renters Insurance Quote, $12.00 to $13.60 Home Insurance Quote
- Cookie duration: 30 days (CJ Affiliate, FlexOffers), not specified
- Markets: US
10. Embrace Affiliate Program:
Have pet owners in your audience? The insurance affiliate programme from Embrace can be a perfect fit for your website. As the only pet-specific insurance provider on this list, Embrace separates out from the competition. The business is situated in Cleveland and was established in 2003.
Services offered by Embrace include wellness programmes and specialised accident and illness insurance. For a little commission, affiliates may sign up to advertise these services.
Additionally, the brand has received some noteworthy press coverage, including articles in Forbes and PureWow, as well as a sizable following on social media of more than 100k. When introducing the brand to the audience for the very first time, those content marketing tools can aid in establishing credibility for the company.
Details:
- Name of the program: Embrace Affiliate Program
- Software and Network: FlexOffers
- Commission: $1.60 per lead When the customer’s region is Washington State, the payout is $0.00.
- Cookie lifecycle: 30 days
- US markets
11. Insurify Affiliate Program:
An insurance company called Insurify employs artificial intelligence (AI) to make the insurance buying process easier. For you to select the plan which best meets your needs, Insurify offers a selection of expertly selected quotations from a variety of suppliers.
It should be noted that certain marketing strategies are prohibited by the Insurify programme. To guarantee that you comply, check the fine print carefully before dealing with them.
With rewards ranging $10 to $15 per lead, this best insurance affiliate programs is one of the best-paying ones on this list.
Affiliates should keep an eye out for future relationship opportunities with Insurify even as brand expands, as the firm secured $100 million in series B investment in 2021.
Details:
- Name of the program: Insurify Affiliate Program
- Network / Software: Sovrn, CJ Affiliate, and Impact
- Commission: $10.00 for each online lead from Impact, $15.00 from CJ Affiliate.
- Cookie duration: 30 days (Impact, CJ Affiliate), not specified
- Markets: worldwide
12. World Nomads Affiliate Program:
The ability to integrate travel insurance affiliate programmes into a variety of existing material is one of their major advantages.The drawback is that it will probably be difficult to rank for most keywords that include the word “insurance.”While compiling our data, we discovered that several well-known travel blogs link to traveling insurance on nearly all of their lengthy articles.
This could be a nice place to put a link for World Nomads if you have a standard footer just at end of each article.Consider places where security is an issue, and discuss any personal experiences that may have with filing an insurance claim.A smart place to start is by adding a “Is [City Name] Safe” item to already published travel guides and itineraries.
Details:
- Name of the program: World Nomads Affiliate ProgramSoftware / Network: Direct10% commission
- Cookie duration: 60 days
- Markets: worldwide
- Alternatives: 10% SafetyWing
13. Allianz Care Affiliate Program:
One of the largest suppliers of global health insurance is Allianz Care. Its policies are intended for HR managers at international corporations or governmental bodies as well as high-net-worth expats. Based on nearly 2,000 confirmed reviews, Allianz does have Feefo rating of 4.8/5.
Only CJ Affiliate is used to run the company’s insurance affiliate programme. The programme offers commissions of between €10 and €45 for each completed application and €10 for each lead.
Regardless of whether the lead doesn’t end up becoming a client, commissions being given across all saved or finished quotations, call back requests, including emails sent to Allianz’s sales team. There is a 45 day cookie window for the programme.
While Allianz is open to working with most affiliate programmes, clearance takes a day or more due to a human evaluation procedure.
Details:
- Link: Affiliate program for Allianz Care
- Commission: €10 to €30 for each activity
- Cookie lifecycle: 45 days
- Sales of goods and services include health insurance.
- Markets served by the following payment options: France, Italy, Canada, Germany, UK, Spain, and US
14. Pawp Affiliate Program:
If you’ve ever owned a pet, you undoubtedly already know that you’d do something to save your dog in an emergency. Although that is a normal response, it also has a high cost. Consider four figures or higher.
Admit Pawp. With Pawp, you can get pet insurance without worrying about deductibles. A $3,000 savings is made available to subscribers for a set monthly cost, which they can access once a year. Any US veterinary clinic could have an emergency visit.
With its affordable monthly cost, it’s a standout offering that might win over many pet parents. You might be staring at a $60 reward for each monthly membership in return for marketing it. This affiliate programme ranks among the top 3 highest earning ones on this list with that payout.
Details:
- Name of the program: Pawp Affiliate Program
- Network / Software: FlexOffers, Awin
- Commission: $5.00 for veterinary consultations, $10.00 for default rates, subscriptions to plans, $20.00 per month, $59.00 per year, and subscriptions to Awin for gifts (FlexOffers)
- Cookie lifecycle: 30 days
- Alternatives: Vetster, which charges $30 for each appointment reservation
15. Hippo Affiliate Program:
A house insurance company called Hippo Insurance uses smart home technology to assist clients in avoiding issues. Leak sensors, for instance, can find leaks well before water damage is caused. According to the business, the coverage limitations for laptops and residential office equipment are 4X greater.
Hippo insures more than 200,000 US homes, and it has a solid 4.9/5 rating from over 10,000 customers.
The ShareASale network is used to run the affiliate programme for Hippo’s insurance products. It provides an expansive 90-day cookie window and pays you modest commission of $5 per lead. Affiliates have access to creatives that can increase their traffic.
However, since ShareASale’s most latest tracked conversion occurred in November 2021, there must be a problem either with the affiliate programme or the Hippo website.
Details:
- Hippo affiliate program website
- Cost of commission: $5 per lead
- Cookie lifecycle: 90 days
- Products/Services Sold: Products related to home insurance
- Check, direct deposit, foreign direct deposit, money order, and Payoneer are all acceptable payment methods.
- Market(s): US exclusively
Conclusion
Insurance is an industry that touches nearly every part of life, and affiliate marketing offers a powerful way to tap into this massive market. With broad appeal, the potential to partner with trusted brands, and opportunities for recurring income, best insurance affiliate programs present a unique chance for bloggers and content creators to monetize their platforms. By selecting the right affiliate program for your niche, you can grow your audience while helping them find the coverage they need.
Frequently Asked Questions (FAQs)
What is an insurance affiliate program?
An insurance affiliate program allows you to promote insurance products or services on your website in exchange for a commission on sales generated through your referral links.
How much can I earn from insurance affiliate programs?
Earnings vary depending on the affiliate program and the type of insurance being promoted. However, insurance affiliate programs tend to offer higher commissions compared to other industries due to the nature of the products.
Do I need to be in the insurance industry to join a best insurance affiliate programs?
No, you don’t need to be a licensed insurance agent or work in the insurance industry. You can join affiliate programs as a publisher and promote the products on your blog or website.
Which types of insurance can I promote through affiliate marketing?
You can promote a wide range of insurance types, including health, life, auto, pet, travel, and small business insurance, depending on the affiliate program.
How do I choose the right insurance affiliate program for my website?
When selecting an best insurance affiliate programs, consider the type of insurance that fits your audience’s needs, the reputation of the insurance companies, and the commission structure. Research different programs to find the best match for your niche.
