16 Best Insurance Affiliate Programs of 2023 (Top Offers)

Looking to promote mass-market products with tons of passive income potential? Insurance affiliate programs are hard to beat.

The global insurance market is huge. And it’s still growing. The industry is expected to increase at a compound rate of 6% from 2021 to 2025, by which time it will be worth a massive $6.4 trillion. That’s higher than the GDP of any country other than the US and China.

Speaking of the US, Americans famously spend a big chunk of their earnings on insurance products. According to one analysis, the average American spends over $10,000 yearly on insurance, equivalent to about 14% of their income. Health insurance is comfortably the most expensive form of coverage, accounting for 59% of an individual’s insurance expenses, followed by:

• Auto insurance (16% of insurance outlay)
• Homeowners insurance (14%)
• Life insurance products (10%)

Given the vast sums involved, it’s no wonder consumers are desperate for help finding the best (and cheapest) insurance plans. That’s where you come in.

As an insurance affiliate, you can recommend your favorite providers, offer impartial advice, and get paid every time your audience buys an insurance product. Read on for our data-driven roundup of the 16 best insurance affiliate programs…

Insurance Affiliate Programs

1. Lemonade Insurance
2. USAA
3. Liberty Mutual
4. Allianz Care
5. Ethos
6. RoamRight
7. World Nomads
8. Bestow
9. Hiscox
10. Cover-More Australia
11. Insurify
12. Fabric
13. Haven Life
14. Hippo
15. Pawp
16. NEXT Insurance

1 Lemonade Insurance

Lemonade sells contents insurance. Its policies are 100% digital, with the entire sales process handled by its AI bot, Maya. The company has 1.5+ million customers and sells a new policy every 60 seconds.

Committed to social good, Lemonade charges a flat fee and donates any leftover money to good causes. It aims to pay the majority of claims “almost instantly.”

Find the Lemonade Insurance affiliate program on Awin. It has a 30-day cookie window and pays a flat commission of $15 per lead. To help affiliates drive sales and traffic, the company offers access to a vast content library and various pre-designed assets.

• URL: Lemonade Insurance affiliate program
• Commission rate: $15 per lead
• Cookie duration: 30 days
• Products/Services sold: Contents insurance
• Payment methods: SEPA, BACS, ACH, domestic payments, international wire transfer
• Market(s): US only

2 USAA

USAA sells insurance, banking, and retirement solutions for the military, veterans, and eligible family members, including:

• Active duty personnel
• National Guards and reservists
• Military spouses
• Children of USAA members
• Service Academy appointees

Customers can save up to 10% by bundling auto and property insurance policies from USAA.

As well as selling insurance products, the company strives to support its communities, investing time and money into various military programs.

USAA’s insurance affiliate program is exclusively available through the CJ Affiliate network. It has a 30-day cookie window and a sliding commission scale, paying:

• $4 per umbrella insurance quote
• $5 per renters insurance quote
• $10 per homeowners insurance quote
• $20 per valuable property protection quote

According to CJ Affiliate, the program has an impressive three-month EPC of $277.61.

• URL: USAA affiliate program
• Commission rate: $4 – $20 per lead
• Cookie duration: 30 days
• Products/Services sold: Auto, life, home, renters, valuable property, and umbrella insurance policies 
• Payment methods: Direct deposit, check, Payoneer
• Market(s): US only

3 Liberty Mutual

Liberty Mutual is America’s sixth-largest property and casualty insurer, ranking #78 on the Fortune 100 list based on 2021 revenue. The company sells various policy types, including renters, homeowners, and auto insurance.

Sign up for the Liberty Mutual affiliate program through CJ Affiliate. It has a 30-day cookie window and a sliding commission scale, paying $3 for renters insurance quotes and $10 for auto and home insurance quotes. Affiliates can earn bonus commissions through frequent sales promotions.

Liberty Mutual offers professionally designed creatives, with custom banners and other assets available on request. It also has a dedicated and responsive affiliate management team.

• URL: Liberty Mutual affiliate program
• Commission rate: $3 – $10 per quote
• Cookie duration: 30 days
• Products/Services sold: Auto insurance, homeowners insurance, renters insurance
• Payment methods: Direct deposit, check, Payoneer
• Market(s): US only

4 Allianz Care

Allianz Care is one of the world’s biggest international health insurance providers. Its policies are geared toward high-net-worth ex-pats and HR managers at multinational companies or governmental organizations. Allianz has a Feefo rating of 4.8/5, based on almost 2,000 verified reviews.

The company’s insurance affiliate program is managed exclusively through CJ Affiliate. The program pays commissions of €10 per lead and €10 – €45 per completed application. 

Commissions are paid on all saved or completed quotes, call-back requests, and emails to Allianz’s sales team — even if the lead doesn’t convert into a customer. The program has a 45-day cookie window.

Allianz is happy to work with most types of affiliates, but it has a manual review process, so expect to wait a day or two for approval.

• URL: Allianz Care affiliate program
• Commission rate: €10 – €30 per action
• Cookie duration: 45 days
• Products/Services sold: Health insurance
• Payment methods: Direct deposit, check, Payoneer
• Market(s): Canada, France, Germany, Italy, Spain, UK, US

5 Ethos

Ethos Life is an online life insurance company that allows users to purchase policies from $7 per month without requiring medical exams or blood tests. Instead, they simply answer a few health-related questions, meaning most customers can access same-day coverage.

The company offers insurance policies through various big-name brands, including Legal & General America, Ameritas Life Insurance, and TruStage.

The Ethos Life insurance affiliate program is available through Impact Radius. It pays commissions of $20 – $55 per lead and offers custom payouts for hitting agreed return-on-ad-spend targets. The program has a 30-day EPC of $2.79 and a seven-day cookie window.

Ethos affiliates get one-to-one support from a dedicated affiliate manager and can access various marketing tools, including creative assets, case studies, and a sample sales funnel.

• URL: Ethos Life affiliate program
• Commission rate: $20 – $55 per lead
• Cookie duration: 7 days
• Products/Services sold: Life insurance
• Payment methods: PayPal, check, wire transfer, direct deposit, ACH transfer
• Market(s): US only

6 RoamRight

RoamRight sells travel insurance covering trip cancellation, baggage delays, overseas medical care, and more. It’s backed by Arch Insurance, which also owns McNeil & Co, Ventus Risk Management, Somers Re, and Somerset Bridge Group.

Customers can access premium features within the free RoamRight app, including travel and security alerts, travel document storage, and detailed destination information.

RoamRight’s travel insurance affiliate program is only available through ShareASale. The program has a generous 365-day cookie window and pays a 15% commission, plus a $10 bonus for your first sale. According to ShareASale’s 30-day figures, the program has an average sale of $201.66, an EPC of $80.26, and a solid 2.65% conversion rate.

RoamRight offers various affiliate tools and resources, including creatives and dedicated affiliate management. However, it has a strict application process that excludes coupon and discount sites, publishers who duplicate content, and affiliates who don’t own their domain.

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

7 World Nomads

World Nomads offers travel insurance for independent travelers and intrepid families. Customers can purchase policies before they set off or while they’re traveling and can claim from anywhere in the world.

The company covers 150+ adventure activities and offers 24/7 emergency assistance, with support from a multilingual team. Its policies are available to travelers from over 100 countries.

The World Nomads travel insurance affiliate program is exclusively available through CJ Affiliate. It has a 60-day cookie window and pays a flat commission for each quote you refer, with rates calculated on your reach, audience size, and the quality of your leads. Commissions start at $0.83 per quote.

World Nomads affiliates have the opportunity to join co-branding campaigns with other travel industry partners and can access regional support from the company’s affiliate management team.

• URL: World Nomads affiliate program
• Commission rate: From $0.83 per quote
• Cookie duration: 60 days
• Products/Services sold: Travel insurance
• Payment methods: Direct deposit, check, Payoneer
• Market(s): Global

8 Bestow

Bestow offers life insurance for individuals and families. As well as selling directly to consumers, Bestow provides solutions to help insurance agents, enterprises, and websites offer insurance products to their audiences. The company has an A+ rating from the Better Business Bureau.

Bestow is all about convenience. Customers can get a free insurance quote in seconds by answering five simple questions, while the full online application process can be completed in just five minutes.

Sign up for Bestow’s insurance affiliate program via the Impact Radius or FlexOffers networks. Impact offers a slightly higher commission rate ($25 vs. $20 per application), so it’s probably the best choice.

Either way, Bestow affiliates can access custom landing pages, marketing messaging, and tailored tips to optimize performance.

Network	Commission	Cookie Duration	Market	URL
Impact	$25 per application	30 days	US only	Sign Up
FlexOffers	$20 per application	30 days	US only	Sign Up

• Products/Services sold: Life insurance

9 Hiscox

Hiscox specializes in meeting the business insurance needs of professional service firms, including marketing agencies, consultancies, and IT/technology companies. Over 400,000 small businesses have purchased policies from Hiscox, demonstrating its strong brand recognition. The company has a strong 4.8/5 rating on the review platform Feefo.

Sign up for the Hiscox insurance affiliate program through CJ Affiliate. The program has a seven-day cookie duration and pays a fixed commission of $25 per quote, although special incentives are offered to top performers. According to CJ, the program has a three-month EPC of $50.74.

Hiscox has an excellent conversion rate, with 33% of referred visitors requesting an insurance quote. So it’s in your interest to refer as many qualified visitors as possible. To help you out, Hiscox offers high-quality banners, links, promotions, and an in-house affiliate management team.

• URL: Hiscox affiliate program
• Commission rate: $25 per quote
• Cookie duration: 7 days
• Products/Services sold: Small business insurance
• Payment methods: Direct deposit, check, Payoneer
• Market(s): US only

10 Cover-More Australia

Australia’s largest independent travel insurance provider, Cover-More’s policies are chosen by 18+ million customers annually. The company offers protection for over 80 adventure activities and provides 24/7 emergency assistance.

The Cover-More affiliate program is available through Commission Factory and Impact Radius. The terms and conditions are identical — 10% commission per sale and a 30-day cookie window — so choose the network that’s best for you.

Whichever network you choose, you can access various affiliate marketing tools, including a travel insurance quote engine and specific advertising materials.

Network	Commission	Cookie Duration	Market	URL
Commission Factory	10% per sale	30 days	Australia only	Sign Up
Impact	10% per sale	30 days	Australia only	Sign Up

• Products/Services sold: Travel insurance 

11 Insurify

Insurify is a comparison site for auto, home, renters, and life insurance. On average, it presents users with 4 – 6 curated quotes tailored to their backgrounds and requirements. The company operates across all 50 states and offers insurance policies from brands like Liberty Mutual, MetLife, and Nationwide.

According to Insurify, its customers have saved a combined $44+ million by using the website. The company has delivered over 26 million real-time quotes and has a rating of 4.8/5 from more than 3,000 reviews.

Sign up for Insurify’s affiliate program via CJ Affiliate (formerly known as Commission Junction) or Impact. The CJ program pays a higher commission and has a three-month EPC of $78.92.

Network	Commission	Cookie Duration	Market	URL
CJ Affiliate	$15 CPA	30 days	US only	Sign Up
Impact	$10	30 days	US only	Sign Up

• Products/Services sold: Auto insurance, home insurance, life insurance

12 Fabric

Fabric offers life insurance policies, wills, and various family finance-related tools. It’s owned by Gerber Life Insurance, a Western & Southern Financial Group subsidiary. Life insurance customers get a free will for themselves and their spouses.

Prospective customers can request a quote via the Fabric app, which also allows them to create a will and organize their family’s legal and financial information. The company’s website has bank-level security, including 256-bit encryption, two-factor authentication, and biometrics.

Fabric’s insurance affiliate program is available via three networks: FlexOffers, Impact Radius, and ShareASale. Unless you’ve got a compelling reason to go with FlexOffers or ShareASale, Impact is the intelligent choice, thanks to its higher commission rate and much longer cookie duration. According to Impact, the program has a 30-day EPC of $8.27.

Affiliates can take advantage of pre-built landing pages to help turn traffic into clicks and sales.

Network	Commission	Cookie Duration	Market	URL
Impact	$100 per application	30 days	US only	Sign Up
ShareASale	$80 per Fabric Premium sale	1 day	US only	Sign Up
FlexOffers	$64 per Fabric Premium sale	1 day	US only	Sign Up

• Products/Services sold: Life insurance

13 Haven Life

Haven Life is a life insurance company backed and owned by MassMutual, one of America’s oldest insurers. It has a reputation for great customer service, as demonstrated by its Net Promoter Score of 77.

Customers can access Haven Life Plus, a bonus feature that offers $700+ of yearly no-cost benefits, including a fitness app with on-demand workouts and a secure online vault for storing and sharing important documents.

Find Haven’s insurance affiliate program on the FlexOffers network. Affiliates earn $24 for every action they drive within the seven-day cookie window.

To make their lives easier, Haven offers various affiliate tools and resources, including a library of marketing assets, co-branded landing pages, and an easy-to-use API. The Haven portal allows partners to capture an applicant’s details over the phone.

• URL: Haven Life affiliate program
• Commission rate: $24
• Cookie duration: 7 days
• Products/Services sold: Life insurance products
• Payment methods: Bank transfer, wire transfer, check, PayPal
• Market(s): US only

14 Hippo

Hippo Insurance is a home insurance company that helps customers avoid problems through smart home technology. For instance, leak sensors can detect leaks before any water damage occurs. The company claims to offer 4X higher coverage limits for computers and home office equipment.

Over 200,000 US homes are insured through Hippo, and the company has a strong 4.9/5 rating from 10,000+ customer reviews.

Hippo’s insurance affiliate program is managed through the ShareASale network. It pays a flat commission of $5 per lead and has a generous 90-day cookie window. Affiliates can access creatives to help them boost traffic.

However, there must be an issue with either the affiliate program or the Hippo website, because ShareASale’s most recent tracked conversion came back in November 2021.

• URL: Hippo affiliate program
• Commission rate: $5 per lead
• Cookie duration: 90 days
• Products/Services sold: Home insurance products 
• Payment methods: Check, direct deposit, international direct deposit, wire transfer, Payoneer
• Market(s): US only

15 Pawp

Pawp isn’t exactly a pet insurance company, but it does offer various services for pet owners. As a digital, subscription-based veterinarian, it covers up to six pets on a single plan, provides 24/7 vet care through text or video, and protects against ER bills of up to $3,000.

Customers get unlimited, on-demand remote vet visits, exclusive discounts on vet-approved products, and the ability to cancel anytime. Appointments can be managed through a dedicated app, available via the Apple App Store and Google Play.

Pawp has affiliate programs on two popular affiliate networks: Awin and FlexOffers.

Network	Commission	Cookie Duration	Market	URL
Awin	$5 – $30 per sale	30 days	US only	Sign Up
FlexOffers	$4 – $56 per sale	30 days	US only	Sign Up

As you can see, the commission rates are pretty broad, and they vary substantially between the two networks, so we’ve provided a more detailed comparison:

Action	Awin Commission	FlexOffers Commission
Flea & tick addon	$5	$4
Base commission & signup	$10	$8
Gift membership	$30	$24
Telehealth & emergency bundle subscription	$20	$56

• Products/Services sold: Digital clinic for pets

16 NEXT Insurance

NEXT Insurance sells insurance for small business owners. Its products are tailored to thousands of professions and include seven types of policies, from general liability and workers’ compensation to tools & equipment and commercial auto insurance. Small business owners can simply select the policies that are most relevant to their needs.

NEXT allows customers to save up to 10% by bundling two or more policies. It has a US-based customer support team and a rating of “A- Excellent” from AM Best, the industry standard for insurance company ratings.

The NEXT Insurance affiliate program, managed through Impact Radius, pays $25 per sale and has a 30-day cookie window. According to Impact, it has a 30-day EPC of $10.48.

Affiliates can access various tools to help drive traffic and sales, including unique promo code tracking and deep linking.

• URL: NEXT Insurance affiliate program
• Commission rate: $25 per sale
• Cookie duration: 30 days
• Products/Services sold: Small business insurance products
• Payment methods: PayPal, check, wire transfer, direct deposit, ACH transfer
• Market(s): US only

Conclusion

Our list of top insurance affiliate programs could easily have been twice as long. But we only wanted to share the best of the best. To do that, we analyzed data from 25 of the biggest insurance affiliate sites, including Insurify, NerdWallet, SmartFinancial, and The Zebra.

Those sites are earning big money from the affiliate programs in our roundup. And so can you — provided you know how to build and optimize an affiliate website.

Fortunately, we’re here to help. Our free training can maximize your passive income, whether you’re a total newbie or a grizzled affiliate marketing veteran.

Sign up today to learn seven expert tips for creating a high-converting affiliate site, including how to build fast sites that rank quickly.

See you there!