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12 Best Insurance Affiliate Programs That Increase Your Profit

Insurance is necessary for everyone, so there is a large market for it. If you are looking for an opportunity to monetize your website or blog through affiliate marketing, the insurance industry offers a lucrative opportunity ...

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Best Insurance Affiliate Programs

Insurance is necessary for everyone, so there is a large market for it. If you are looking for an opportunity to monetize your website or blog through affiliate marketing, the insurance industry offers a lucrative opportunity you should not miss.

In this article, we will introduce you to the top insurance affiliate programs of 2024. These programs not only offer great commission rates but also various types of insurance, from auto insurance, health insurance, pet insurance, appliances, and housing,…

Let’s learn and discover now!

12 Best Insurance Affiliate Programs That Increase Your Profit

Note: Each program will be reviewed regarding its features, commission rates, cookie duration, payment details, and eligibility requirements.

Lemonade Insurance

Insurance Affiliate Programs 1

Lemonade is a famous insurance company operating mainly in the US. You can find many types of insurance here, such as renters, homeowners, car, pet, or life insurance.

Lemonade’s entire sales process is handled by the AI bot Maya. Therefore, they have a fast processing speed, about 60 seconds for a new policy. This creates a quick and insurance purchasing experience for customers.

Lemonade owns an insurance affiliate program through Awin – one of the world’s most popular and reputable affiliate networks. To sign up for Lemonade’s partner program, you need to fill out a small form, and then Lemonade’s affiliate team will get back to you once the process is complete.

With a cookie duration of up to 30 days and a flat commission of $15 per lead, this is considered an ideal affiliate program for affiliates.

Additionally, to help affiliates drive sales and increase traffic, Lemonade also provides access to a vast content library with many pre-designed templates.

  • Commission rate: Range from $5 – $ 20 per lead.
  • Cookie duration: 30 days
  • Products or Services: Renters, pets, car, homeowners, life insurance.
  • Payment methods: SEPA, BACS, ACH, domestic payments, international wire transfers.
  • Payment Threshold: $20
  • Market(s): US only


World Nomads

Insurance Affiliate Programs 2

Are your target customers adventurous and passionate about traveling? Welcome to the World Nomads affiliate program.

World Nomads is an innovative travel safety and travel insurance company. They create insurance funds and are committed to supporting adventurous and independent travelers.

The company offers travel insurance benefits, including emergency medical coverage, evacuation or repatriation, baggage, trip cancellation, and more than 150 adventure activities with 24/7 emergency support from the World Nomads multilingual group.

You can search and join the World Nomads travel insurance affiliate program through CJ Affiliate (formerly Commission Junction). With a cookie duration of up to 60 days and a commission per quote of $0.83, this is an affiliate’s dream affiliate program!

Becoming a World Nomads affiliate, you will participate in major brand cooperation campaigns in the travel industry, such as Intrepid, Hostelworld, Eurail, and Nomadic Mat.

  • Commission rate: $0.83 per quote and 10% for every sale.
  • Cookie duration: 60 days
  • Products or Services: Travel insurance
  • Payment methods: Direct deposit, PayPal, check, Payoneer.
  • Payment Threshold: $250
  • Market(s): Global


Cover-More Australia 

Insurance Affiliate Programs 3

Like World Nomads, Cover-More Australia also offers travel insurance for individuals and families operating primarily in Australia.

Over 18 million customers trust and buy travel insurance from Cover-More Australia annually. The company also provides protection for more than 80 adventure activities, providing 24/7 emergency support and travel alerts.

You can sign up to become a Cover-More Australia affiliate through Commission Factory and Impact Radius. They offer up to 10% commission on each successful sale and a cookie duration of about 30 days.

Whichever affiliate network you choose, you will have full use and access to various affiliate marketing tools, including travel insurance quote tools and useful promotional materials.

  • Commission rate: 10% per sale
  • Cookie duration: 30 days
  • Products or Services: Travel insurance
  • Payment methods: PayPal, direct transfer, BACS.
  • Market(s): Australia only



Insurance Affiliate Programs 4

Ethos Life is an online life insurance company headquartered in the fintech hub, Austin, Texas, USA. Ethos Life Insurance is known for its transparency, affordability, and availability through a simple application process.

They partner with many major brands, including Legal & General America, Ameritas Life Insurance, and TruStage.

You can apply for the Ethos Life Insurance Affiliate Program available through Impact Radius. It pays a $20 – $55 commission per lead and offers customizable payouts. However, the 7-day cookie window may be a bit short for some.

Ethos has a dedicated unit management team. So, as an Ethos affiliate, you can receive direct support if you have any problems or questions. Additionally, you can access various marketing tools to support your marketing campaigns.

  • Commission rate: Range from $55 per lead.
  • Cookie duration: 7 days
  • Products or Services: Life insurance
  • Payment methods: PayPal, check, wire transfer, direct deposit, ACH transfer
  • Payment Threshold: $20
  • Market(s): US only


Liberty Mutual 

Insurance Affiliate Programs 5

Liberty Mutual is one of the largest insurance providers in the US, headquartered in Boston, Massachusetts. It also has a large international presence with over 900 locations in 18 countries worldwide.

Sign up for the Liberty Mutual affiliate program through CJ Affiliate (Commission Junction network).

It has a 30-day cookie window. You’ll be paid $3 for renters insurance quotes and $10 for auto and home insurance quotes. You can also earn bonus commissions through Liberty Mutual’s regular sales promotions.

As an affiliate, you can recommend Liberty Mutual’s many types of insurance, including renters, homeowners, auto, condo, pet, and life insurance.

Liberty Mutual offers professionally designed ads with custom banners and other content available. In addition, its affiliate management team is responsive and dedicated.

  • Commission rate: $3 – $10 per quote.
  • Cookie duration: 30 days
  • Products or Services: Auto insurance, homeowners insurance, condo insurance,  renters insurance, pet insurance, flood insurance, and life insurance.
  • Payment methods: Direct deposit, check, Payoneer.
  • Payment Threshold: No minimum threshold.
  • Market(s): US only



Insurance Affiliate Programs 6

RoamRight is a provider of travel insurance packages to meet the unique needs of each traveler. Each insurance plan ranges from $25,000 to $500,000 for everything from trip cancellation, interruption, accident, illness, baggage coverage, and car rental accidents.

RoamRight’s travel insurance affiliate program is only available through ShareASale. They offer a generous 365-day cookie life and commission rates of up to 15% commission per sale. In particular, you will also receive a bonus of 10 USD for your first sale.

A solid 2.65% conversion rate, a strong average revenue of $201.66, and an EPC of $80.26 are the highlights of this program’s 30-day data on ShareASale.

RoamRight offers a variety of affiliate tools and resources to assist affiliate marketers in optimizing marketing effectiveness.

However, it has a strict registration process. You will not be allowed to participate if your site is a coupon and discount site, the publisher copies content, and does not own its domain name.

  • Commission rate: 15% per sale.
  • Cookie duration: 365 days
  • Products or Services: Travel insurance
  • Payment methods: Check, direct deposit, international direct deposit, wire transfer, Payoneer.
  • Market(s): US only



Insurance Affiliate Programs 7

Are you looking for a comparison site for auto, home, renters, and life insurance? Then Insurify is the destination for you.

On this website, you can compare quotes all in one place. On average, Insurify provides users with 4 – 6 quotes tailored to their situation and requirements.

The company is available in more than 50 states across the United States and offers insurance policies from reputable brands such as Liberty Mutual, MetLife, and Nationwide.

According to research, Insurify customers have saved more than 44 million USD by using the website. At the same time, they also perform more than 26 million real-time reports with a rating of 4.8/5 stars from 3000 audiences.

You can join the Insurify insurance affiliate program through CJ Affiliate or Impact. Each affiliate network provides affiliates with useful marketing tools and resources.

  • Commission rate: Up to $10 per lead on CJ Affiliate.
  • Cookie duration: 30 days
  • Products or Services: Auto insurance, home insurance, life insurance.
  • Payment methods: Direct Deposit and Check.
  • Market(s): US only



Insurance Affiliate Programs 8

Bestow is known as a company specializing in life insurance for individuals and families in the US. Besides, Bestow sells directly and indirectly through insurance agents to create customer convenience. The company has an A+ rating from the Better Business Bureau.

Through Bestow’s website, customers can receive a free insurance quote in seconds by answering five simple questions. The company also offers a quick, full online registration process, which can be completed in just five minutes.

You can register through the Impact or FlexOffers affiliate network to join the Bestow insurance affiliate program. These two networks offer a slight difference in the commission levels.

No matter which affiliate network you choose, you can access customized landing pages, marketing messages, and tips to optimize the performance of your campaigns.

  • Commission rate: $50  per application.
  • Cookie duration: 30 days
  • Products or Services: Life insurance
  • Payment methods: Gift cards
  • Market(s): US only


Fabric Insurance

Insurance Affiliate Programs 9

Fabric is owned by Gerber Life Insurance, a Western & Southern Financial Group subsidiary. They specialize in life insurance policies, wills, and many tools related to family finances.

When visiting Fabric’s website, each lead can receive quotes with just one click. When visiting Fabric’s website, each lead can receive quotes with just one click. The website also allows them to make wills and organize their family’s legal information and finances.

Besides, Fabric has a high-security system, including 256-bit encryption, two-factor authentication, and biometrics.

You can post Fabric’s premium affiliate program through three available affiliate networks: FlexOffers, Impact Radius, and ShareASale.

All three networks have their advantages, but Impact is more fantastic choice. Because Impact also grants higher commission rates and much longer cookie durations.

  • Commission rate: $25 per lead.
  • Cookie duration: Depends on each affiliate network.
  • Products or Services: Life insurance
  • Payment methods: Depends on each affiliate network.
  • Market(s): US only



Insurance Affiliate Programs 10

Hiscox is a famous international professional insurance company with a history dating back to 1901. The company provides a variety of insurance products and services to businesses.

More than 400,000 small businesses have purchased insurance policies from Hiscox. This data proves the company’s strong appeal.

What makes Hiscox.com different is its simplicity, transparency, and ease of use. They design an intuitive interface and comprehensive information. This allows users to search and join insurance packages easily and confidently.

The Hiscox Insurance Affiliate Program is available through CJ Affiliate. You can receive a $25 commission per quote as an affiliate, and the cookie duration is 7 days.

Plus, this affiliate program has a high conversion rate. So, your job is to refer as many visitors as possible. To support you, Hiscox offers banners, links, promotions, and a dedicated internal link management team 24/7 to support you.

  • Commission rate: $25 per quote.
  • Cookie duration: 7 days
  • Products or Services: Small business insurance
  • Payment methods: Direct deposit, check, Payoneer.
  • Market(s): US only


NEXT Insurance

Insurance Affiliate Programs 11

Having the same target market as Hiscox, NEXT Insurance operates strongly in the field of insurance for businesses. NEXT’s insurance packages cover thousands of professions, such as beauty, cleaning, entertainment, financial services, and catering,…

NEXT has an “A- Excellent” rating, as rated by AM Best – the industry standard for rating insurance companies.

With a rating of 4.7/5, Next Insurance is trusted and loved by more than 420,000 customers. Serving over a thousand types of businesses, policies tailored to your needs are just a few clicks away.

Impact Radius is the representative responsible for NEXT Insurance’s affiliate program. In addition to paying $25 per sale, they have a 30-day cookie period that is ideal.

Affiliates can use a wide range of tools to help increase sales and improve traffic, including unique promotion code tracking and deep linking.

  • Commission rate: $25 per sale.
  • Cookie duration: 30 days
  • Products or Services: Small business insurance products.
  • Payment methods: PayPal, check, wire transfer, direct deposit, ACH transfer.
  • Market(s): US only



Insurance Affiliate Programs 12

CargoCert has more than 100 years of experience in cargo insurance. The company provided cargo and shipping insurance across 142 different countries in 2016. CargoCert accepts sea, air, road, and rail cargo.

Many of the world’s leading insurance companies have partnered with CargoCert to provide customers with instant shipping insurance.

CargoCert’s insurance terms are quite strict and guaranteed. It is compiled by maritime lawyers and shipping industry experts. They are well-versed in the nuances of cargo insurance and the shipping industry and is supported by the world’s leading insurers.

CargoCert’s affiliate program is completely free for affiliates. You just need to register and answer some basic requirements to verify your identity. Once you’ve signed up, you’ll receive your account portal and a tracking link that you can share with your customers.

You can also view complaints and claim status as well as referral fee payment status 24/7 in real time. This helps you quickly handle unexpected problems.

  • Commission rate: Revealed upon successful registration
  • Cookie duration: Revealed upon successful registration
  • Products or Services: Cargo and moving insurance
  • Payment methods: Check


How Do Insurance Affiliate Programs Work? 

There is a typical formula that applies to all affiliate programs. That is, it allows publishers and affiliates to earn commissions by advertising and recommending products and services to the target audience.

Likewise, insurance affiliate programs work by promoting insurance in a variety of areas. Here’s a general overview of how insurance affiliate programs work:

Insurance affiliate programs are of two types: direct and indirect. Direct insurance affiliate programs are where you generate leads directly for the insurance company.

Meanwhile, indirect insurance-linked programs operate differently. They authorize a 3rd affiliate network, which will be responsible for managing their insurance affiliate program.

By becoming an affiliate (either way), you will be provided with a unique link to share with your target audience. You can share this link via social media, blog, or email. A commission will come when someone clicks on your link and purchases the insurance policy.

Typically, most people do not buy an insurance policy immediately after clicking on an affiliate link for the first time. They often take a long time to think and decide whether the insurance is safe and necessary.

It can often take weeks or even months to complete a sale. Therefore, affiliate programs with long cookie durations will attract more affiliates.

Of course, to start making money from insurance affiliate programs, you must sign up for an insurance program that is right for you. As long as you are willing to work hard, you can get closer to your target customers and start earning commissions.

How Do Insurance Affiliate Programs Benefit You? 

Insurance affiliate programs are quite a potential field. They bring many practical benefits to affiliates and publishers. Let’s find out its benefits here:

High-commission affiliate programs

Insurance affiliate programs often offer generous commission rates. You can earn a significant commission if you refer policies with high premiums or long terms. This helps you create a significant source of passive income!

Diversify revenue sources

The characteristic of affiliate marketing is that you can do it whenever you have free time. Usually, this job does not require a fixed time. So you can do many different jobs at the same time. From there, your income will come from many different sources.

For example, if you are a blogger or an influencer. Instead of relying solely on traditional advertising or product sales, you can leverage your audience’s interest in insurance-related topics to generate additional income.

Trusted brands

Many large insurance companies also offer reputable joint insurance programs. You can choose to participate in programs that you trust and start your promotion.

Provide rich marketing resources.

Participating in insurance affiliate programs gives you free access to marketing tools and resources, such as quick link generators, banners, reports, and more.

You can use these resources to understand insurance products better while improving your advertising efforts and optimizing your affiliate marketing strategy.

Long-term income potential

Insurance buyers often tend to renew after each insurance expiration. This means you can earn ongoing commissions on insurance policies that continue yearly or more. They offer long-term revenue potential as long as the policies remain in effect.

What to Consider When Choosing the Best Insurance Affiliate Program? 

To choose the right insurance affiliate program, we encourage you to consider the following criteria:

Reputation and Credibility

You can search for the best insurance affiliate programs on Google or social media. A small tip to help you find the right program is to read reviews from experienced affiliates.

Commission Structure

The commission structure is something worth paying attention to. High commission rates and attractive incentives often attract many affiliates. Consider the commission percentage offered for each sale or lead and whether tiers or performance-based incentives exist.

Product portfolio

Programs that offer multiple types of coverage are more profitable because affiliates can serve the different needs of their target customers.

Cookie Duration

Another tip: the longer the cookie duration, the more opportunities you have to earn commissions on future transactions. Therefore, you should prioritize choosing programs with a long tracking period. This will help your affiliate income increase significantly.

Conversion Rates

An insurance affiliate program with a high conversion rate indicates an effective sales process, resulting in better affiliate profits. They often provide affiliates with useful tools and resources for conversion rate optimization.

Terms and Conditions

Each affiliate program has its own limitations, exclusions, or terms. Please ensure that you read the program’s terms and conditions carefully. Additionally, consider whether the ethical standards of your participating program are appropriate.

Finally, you should consider several factors when choosing the right program, such as affiliate support, performance tracking reports, payment options, and frequency.


  • What makes insurance affiliate programs popular?

Most people join affiliate programs to earn extra income, not just in the insurance industry. At the same time, this affiliate earning of the programs is ranked at a high level.

Insurance also has strong coverage in many aspects of each of our lives. People may think about homes, cars, pets, health or life insurance,… So, insurance is a field with a lot of potential to exploit.

Therefore, insurance is a field with a lot of potential to exploit. Additionally, insurance affiliate programs often have low barriers to entry. In other words, you can spend less to participate in the insurance marketing market. There are even some insurance programs that are free to join.

You can use various marketing channels like websites, blogs, social media, email marketing, and paid advertising to promote insurance products.

  • How much can I earn from insurance affiliate programs?

The potential to earn big money with affiliate insurance programs is huge. Because these programs often offer relatively high commissions. Each insurance program will provide different insurance rates.

Commission rates can range from a few percent to up to 30%. Some programs also offer extra incentives or bonuses based on your ad performance.

It’s no surprise that insurance affiliates can earn up to six figures per month. However, to achieve this level of income, you need to work hard and stay abreast of the needs and interests of your target audience.


Insurance is one of the hot niches, with high commission rates and diverse fields. Among the countless affiliate programs, we have compiled a list of the top 12 best insurance affiliate programs. We’ve organized the available options by category because we think that will make things much easier.

However, don’t make your final decision based on commission value. Sometimes, you should also consider cookie duration – an equally important criterion. Good luck on your affiliate marketing journey!

Joan, a creative mind and author behind UpPromote blog. Writing has always been my sanctuary, a place where I can explore my imagination and share my unique perspective on the world of eCommerce. Through my words, I strive to explain the complexities of the digital world and showcase its potential for innovation, growth, and limitless opportunities.