10 Best Insurance Affiliate Programs Of 2024 (High-Paying)

Insurance affiliate programs offer an exciting opportunity for those interested in tapping into a large and ever-growing market. The insurance industry is vast, with predictions suggesting it will reach an impressive value of $6.4 trillion by 2025. This growth rate outshines the economic output of most countries, except for the United States and China. In the U.S., insurance is a significant expenditure for many, with the average American allocating about 14% of their income to insurance, which is over $10,000 each year. Health insurance takes the largest share of this spending, followed by auto, homeowners, and life insurance.

This substantial investment by consumers in insurance creates a need for guidance in selecting the best and most cost-effective plans. This is where the role of an insurance affiliate becomes crucial. As an affiliate, you can provide valuable advice and recommendations on insurance products, earning a commission whenever someone purchases through your referral. Stay tuned for a comprehensive overview of the top 15 insurance affiliate programs that can help you generate a passive income in this lucrative market.

Top 10 High-Paying Insurance Affiliate Programs Of 2024

1. Lemonade affiliate program

Lemonade Insurance makes getting contents insurance easy and fast. Their service is entirely online, handled by an AI bot named Maya. They have over 1.5 million customers and issue a new policy every minute. Lemonade stands out for its commitment to social good, charging a flat fee and donating any leftover funds to charities. They’re known for quick claim payments, often settling them almost instantly.

Here’s what you need to know about the Lemonade Insurance affiliate program:

• Affiliate Network: Available on Awin, a top-rated affiliate network.
• Commission Rate: Earn $15 for each lead you generate.
• Cookie Duration: 30 days.
• Products/Services Offered: Specializes in contents insurance.
• Payment Methods: Options include SEPA, BACS, ACH, domestic payments, and international wire transfers.
• Market Focus: Available exclusively in the United States.
• Affiliate Support: Access to a comprehensive content library and various marketing materials to boost sales and traffic.

2. USAA affiliate program

USAA offers a unique range of products for those in the military, veterans, and their families. This includes not only active-duty members and reservists but also military spouses and children of USAA members. Customers who choose USAA can benefit from savings like up to 10% off when they bundle auto and property insurance. The company is also committed to supporting military communities through various programs.

Here’s a quick overview of the USAA insurance affiliate program:

• Affiliate Network: Available exclusively through CJ Affiliate.
• Commission Rate: Earn between $4 to $20 per lead.
• Cookie Duration: 30 days.
• Products/Services: Offers a variety of insurance policies including auto, life, home, renters, valuable property, and umbrella insurance.
• Earnings: Impressive EPC (Earnings Per Click) of $277.61 over three months, as reported by CJ Affiliate.
• Payment Methods: Affiliates can receive payments via direct deposit, check, or Payoneer.
• Market Focus: The program is limited to the US market only.

This program is an excellent opportunity for those looking to promote insurance products to a specific and meaningful demographic.

3. Allianz Care affiliate program

Allianz Care is a leading international health insurance provider, mainly serving wealthy expatriates and HR managers from large companies or government organizations. It is highly rated, with a 4.8 out of 5 score from nearly 2,000 reviews. Its affiliate program is run through CJ Affiliate and offers attractive commissions.

• Commission Rate: Earn €10 for each lead and between €10 to €45 for each completed application.
• Cookie Duration: 45 days.
• Products/Services: Specializes in health insurance.
• Payment Methods: Options include direct deposit, check, and Payoneer.
• Markets: Focuses on Canada, France, Germany, Italy, Spain, the UK, and the US.
• Additional Benefits: Commissions are also paid for saved or completed quotes, call-back requests, and emails to Allianz’s sales team, even if these don’t result in a sale.
• Approval Process: There is a manual review process for affiliates, which may take a day or two.

This program is an excellent choice for affiliates looking to promote high-quality health insurance products to a global audience.

4. Liberty Mutual affiliate program

Liberty Mutual, a leading U.S. insurer, provides a variety of insurance policies like auto, home, and renters insurance. It’s a great choice for those looking to join an affiliate program in the insurance sector. By partnering with Liberty Mutual through the CJ Affiliate network, you can earn commissions for every quote referred.

Key details of the Liberty Mutual Affiliate Program:

• URL: Liberty Mutual Affiliate Program
• Commission Rate: Earn $3 for each renters insurance quote and $10 for auto and home insurance quotes.
• Cookie Duration: 30 days, allowing ample time for referred visitors to complete a quote.
• Products/Services Offered: Includes auto, homeowners, and renters insurance.
• Payment Methods: Commissions are paid via direct deposit, check, or Payoneer.
• Market: Exclusively for the U.S. market.
• Extra Benefits: Access to professionally designed marketing materials like custom banners, and support from a dedicated affiliate management team.
• Promotional Opportunities: Affiliates can boost earnings through frequent sales promotions and bonus commissions.

Joining this program could be a strategic move if you’re interested in the insurance field and want to monetize your audience effectively.

5. Ethos affiliate program

Ethos Life makes getting life insurance simple and quick. Without needing medical exams or blood tests, users can buy policies starting at $7 per month by just answering a few health questions. This means many can get insured on the same day. Ethos partners with well-known companies like Legal & General America and Ameritas Life Insurance to offer these policies.

Here’s a quick look at the Ethos Life insurance affiliate program:

• Affiliate Program URL: Ethos Life Affiliate Program
• Commission Rate: Earn $20 to $55 for each lead
• Cookie Duration: 7 days
• Products Sold: Life insurance policies
• Payment Methods: Options include PayPal, check, wire transfer, direct deposit, and ACH transfer
• Market: Available in the US only
• Additional Benefits: Affiliates receive personal support from a dedicated manager and access to marketing tools like creative assets, case studies, and sales funnel samples.

6. Bestow affiliate program

Bestow is a company that simplifies the process of getting life insurance for individuals and families. They make it easy for anyone to obtain a life insurance quote in just a few seconds by answering five straightforward questions. Their full application can be completed online in about five minutes. Bestow also works with insurance agents, enterprises, and websites to offer insurance products to a wider audience. They are highly rated, with an A+ from the Better Business Bureau.

For those interested in joining their affiliate program, Bestow partners with two networks: Impact Radius and FlexOffers. Here are some key details:

Network: Impact Radius

• Commission: $25 per application
• Cookie Duration: 30 days
• Market: US only
• URL: Sign Up

Network: FlexOffers

• Commission: $20 per application
• Cookie Duration: 30 days
• Market: US only
• URL: Sign Up

Affiliates get access to custom landing pages, marketing materials, and performance optimization tips. The products and services sold through Bestow primarily include life insurance.

7. World Nomads affiliate program

World Nomads is a popular choice for travelers seeking insurance. It’s designed for both solo explorers and families who love adventure. This insurance is unique because you can buy it before your trip or even while traveling. It also lets you make claims from anywhere around the world. World Nomads covers more than 150 adventure activities and provides round-the-clock emergency help in many languages. People from over 100 countries can use their policies.

Here’s what you need to know about their affiliate program:

• Affiliate Program: Exclusively via CJ Affiliate.
• Commission: Earn a flat rate starting at $0.83 for each quote you refer.
• Cookie Duration: 60 days.
• Target Market: Global audience.
• Products Offered: Travel insurance.
• Payment Options: Direct deposit, check, Payoneer.
• Additional Benefits: Opportunities for co-branding with travel partners, and regional support from the affiliate management team.

8. Hiscox affiliate program

Hiscox is a go-to choice for professional service firms like marketing agencies and tech companies, providing tailored business insurance. It’s popular, with over 400,000 small businesses choosing Hiscox, and it has a high rating of 4.8 out of 5 on Feefo. This makes it a trusted brand for insurance needs.

As a Hiscox insurance affiliate, you can earn money by promoting their services. Here’s what you need to know:

• Affiliate Program: Join through CJ Affiliate.
• Commission: Earn $25 for every quote you generate.
• Cookie Duration: 7 days.
• Extra Benefits: Top performers get special bonuses.
• Earning Potential: High conversion rate; 33% of referred visitors request a quote.
• Support: Access to banners, links, and an in-house affiliate management team.
• Program URL: Hiscox Affiliate Program
• Payment Methods: Choose from direct deposit, check, or Payoneer.
• Market Focus: Available only in the United States.

This program is a great opportunity, especially if you can drive qualified traffic to Hiscox, as their high conversion rates could mean more earnings for you.

9. Hippo affiliate program

Hippo Insurance is a modern home insurance provider that uses smart technology, like leak sensors, to prevent home damage. They offer four times higher coverage for computers and home office equipment. Trusted by over 200,000 U.S. homes, Hippo boasts an impressive 4.9/5 rating from over 10,000 customer reviews. Their affiliate program, managed through ShareASale, offers unique benefits but has had some issues with tracking conversions.

Key details of Hippo’s insurance affiliate program:

• Commission Rate: $5 for each lead generated.
• Cookie Duration: A generous 90-day period.
• Products/Services Sold: Specializes in home insurance products.
• Payment Methods: Options include check, direct deposit, international direct deposit, wire transfer, and Payoneer.
• Market Scope: Limited to the U.S. market only.
• Affiliate Support: Access to creative materials to increase traffic.
• Potential Issues: Recent tracking conversion challenges noted on ShareASale as of November 2021.

10. Insurify affiliate program

Insurify is a user-friendly platform for comparing insurance options like auto, home, life, and renters insurance. It provides 4 to 6 personalized quotes to users, catering to their specific needs. The service is available in all 50 states, featuring policies from reputable companies such as Liberty Mutual, MetLife, and Nationwide. Insurify has helped customers save over $44 million and has delivered over 26 million quotes, earning a high customer satisfaction rating.

Key Affiliate Information:

• Affiliate Networks: Available through CJ Affiliate and Impact.
• Commission Rates:
• CJ Affiliate: $15 per customer action (CPA).
• Impact: $10 per action.
• Cookie Duration: 30 days for both networks.
• Market: Exclusively for the US market.
• Products/Services Offered: Auto, home, and life insurance.
• Signup Links: Available on both CJ Affiliate and Impact platforms.

Conclusion: Are Insurance Affiliate Programs Worth Joining in 2024?

In 2024, joining insurance affiliate programs is definitely worth considering. After carefully examining data from 25 leading affiliate websites like Insurify and NerdWallet, it’s clear that these programs can be highly profitable. Whether you’re just starting out or have years of experience in affiliate marketing, these programs offer a great opportunity for earning passive income.

The key to success lies in building and fine-tuning an effective affiliate website. Our free training is designed to guide you through this process, offering expert tips on creating fast, high-ranking websites. This knowledge can significantly boost your earnings, making it a valuable venture for anyone interested in affiliate marketing.