Top 31+ Insurance Affiliate Programs 2024 (High Commissions)

The world of affiliate marketing is an ever-expanding field that offers a plethora of opportunities for individuals and businesses alike. One niche that has gained significant attention in recent years is insurance affiliate programs. These programs allow affiliates to promote various insurance products and services, earning commissions for each successful referral. In this blog post, Adsnextgen will dive into what insurance affiliate programs are, the types of products and services you can promote, how they work, and even explore some of the highest-paying programs in the industry.

What is an Insurance Affiliate Program?

An insurance affiliate program is a partnership between insurance companies and individuals or entities known as affiliates. Affiliates promote the insurance company’s products or services through various marketing channels, such as websites, blogs, social media, email marketing, or even offline methods. In return, affiliates receive commissions for every lead or sale generated through their referral efforts.

Insurance is a popular vertical for CPA affiliate marketing through CPA networks like MaxBounty and ClickDealer. Insurance companies join CPA networks to connect with affiliates who promote their programs in exchange for a set commission for each new client acquired. These programs allow advertisers to pay only when affiliates drive conversions versus impressions.

Additionally, you need to monitor Smartlink CPA to ensure accurate attribution by creating custom affiliate links that tag sources and map conversions. This allows affiliates to optimize their efforts to achieve maximum return on advertising spend. They can identify offers with the highest conversion rates.

Types of products/services for Insurance Affiliate Programs

Insurance affiliate programs cover a wide range of insurance products and services, including:

1. Life Insurance: Promote various life insurance policies, such as term life, whole life, and universal life insurance.
2. Auto Insurance: Help customers find the best auto insurance policies to protect their vehicles.
3. Home Insurance: Assist homeowners in securing insurance coverage for their homes and belongings.
4. Health Insurance: Promote health insurance plans, including individual, family, or group health coverage.
5. Travel Insurance: Offer travel insurance options to protect travelers against unforeseen events during their trips.
6. Pet Insurance: Help pet owners find insurance coverage for their beloved furry friends.
7. Business Insurance: Target business owners by offering insurance solutions like liability insurance, workers’ compensation, and commercial property insurance.

How Does an Insurance Affiliate Program Work?

The process of how an insurance affiliate program operates typically involves these steps:

1. Affiliate Registration: Affiliates sign up for the program by registering on the insurance company’s affiliate platform or website.
2. Access to Marketing Materials: Once approved, affiliates gain access to a variety of marketing materials, including banners, text links, and promotional content.
3. Promotion: Affiliates promote the insurance products or services using these materials through their chosen marketing channels.
4. Tracking: Affiliate links or unique tracking codes are used to monitor referrals and sales generated by each affiliate.
5. Commissions: Affiliates earn commissions for every lead or sale resulting from their referrals. Commissions may vary based on the insurance company’s compensation structure.
6. Payment: Affiliates receive payments from the insurance company based on their commission earnings. Payments can be made on a regular schedule, such as monthly or quarterly.

Insurance affiliate programs are an important part of the broader personal finance affiliate marketing sector. Many branches focus specifically on insurance industries such as auto insurance, home insurance, life insurance, and health insurance. There is a significant need for information about insurance options. Let’s explore the best insurance affiliate programs below.

1. Best Life Insurance Affiliate Programs

Brands Logo	Life Insurance Affiliate Programs	Introducing the brand program	Information about the brand’s affiliate marketing program
USAA	USAA	a Fortune 500 financial services company focused on providing its products and solutions to active and retired military personnel and their families. The USAA Insurance Affiliate Program offers a competitive commission structure with the opportunity to earn up to $36 per insurance sale. They offer life insurance, retirement planning, auto insurance, and more, making them a one-stop shop for customers’ insurance needs. Those are also the best affiliate marketing niches that you should consider when joining an insurance affiliate program.	Affiliate Commissions: Up to $36 CPL. Cookie Duration: 30 days. Affiliate Signup Link: https://www.usaa.com/
Allstate Insurance	Allstate	Allstate is a large company that offers all types of insurance, including auto, home, life, and other insurance, through the Allstate, Esurance, Encompass, SquareTrade, and Answer Financial brands. Allstate is understood for its slogan, “You’re in proper palms with Allstate.	Affiliate Commissions: Earn up to $15 per lead. Cookie Duration: Not listed. Affiliate Signup Link: https://www.allstate.com/
Gerber Life	Gerber Life	Extends its coverage to individuals from infants to adults, offering a wide array of opportunities for affiliates to explore and experiment with their affiliate content. Simply get entry to your associate dashboard and steady your particular referral link. Each time a person clicks on one of your links and proceeds to purchase a policy, you’ll earn a commission. The specific commission you earn is contingent on the type of policy that the customer purchases.	Affiliate Commissions: Up to $25 Cookie Duration:1 day Affiliate Signup Link: https://www.gerberlife.com/
Ladder Life	Ladder Life	Offers 100% affordable digital term life insurance ranging from $100,000 to $3 million. A fast-growing company that has partnered with Fidelity Security Life Insurance Company to issue LadderLife™ policies. In New York, Ladder has partnered with Allianz Life Insurance Company of New York to launch LadderLife.	Affiliate Commissions: Up to $75. Cookie Duration: 60 days Affiliate Signup Link: https://www.ladderlife.com/
Haven Life	Haven Life	Stands as a prominent figure in the life insurance landscape of the United States. With an array of offerings including term life insurance, whole life insurance, and universal life insurance, they cater to diverse insurance needs. Notably, Haven Life Insurance boasts an impressive A+ rating from the Better Business Bureau, and its policies carry the backing of MassMutual, a global insurance giant renowned for its trustworthiness. By joining the Haven Life Insurance affiliate program, you gain the opportunity to generate income through the promotion of their comprehensive suite of insurance products.	Affiliate Commissions: Up to $24 Cookie Duration: 7 days Affiliate Signup Link: https://havenlife.com/

2. Top 10 Pet Insurance Affiliate Programs

2.1. Embrace Pet 

It was founded in 2003, Embrace Pet Insurance is an example of what quality service and excellent insurance coverage should be. Embrace is the leading pet insurer in the United States. Their policies include coverage for illnesses, accidents, injuries, dental care, veterinary care, tests, treatments, procedures, etc. Embrace Pet Insurance Affiliate Program lets internet site proprietors and bloggers earn commissions of up to $36 on puppy coverage sold.

• Affiliate Commissions: $36/lead
• Cookie Duration: 30 days
• Affiliate Signup Link: https://www.embracepetinsurance.com/

2.2. Pet Insurer

Their insurance affiliate programs work similarly to Expedia in that you enter your location and pet information and get a quote for pet insurance in your area. This saves you from having to search for the best insurance plan for your puppy. The Pet Insurer affiliate program is one of the most profitable as it earns $100 per sale. Yes, it’s an exorbitant price that could save you a lot of money, but some people prefer to buy direct insurance instead of going through a third-party support site. The duration of the cookie is at least 90 days.

• Affiliate Commissions: $100/sale
• Cookie Duration: 90 days
• Affiliate Signup Link: https://www.petinsurer.com/affiliates/

2.3. PetAssure

While not a conventional pet insurance program, PetAssure serves as a valuable supplement to your existing insurance or can even function as a form of insurance itself. PetAssure provides plans that grant substantial 25% discounts at participating veterinary clinics. Importantly, it can seamlessly complement your current insurance coverage, with the added advantage of covering all pets, including those with pre-existing conditions.

• Affiliate Commissions: $24
• Cookie Duration: 45 days
• Affiliate Signup Link: https://www.petassure.com/

2.4. Healthy Paws Pet

Healthy Paws is another leading company based in Washington, DC. The company’s policies do not set maximum payouts, and there is also a referral fund that donates $25 every time someone you know clicks on a referral link. With insurance affiliate programs that offer $35 per sale, you can earn a lot of passive income depending on your blog’s reach and audience.

• Affiliate Commissions: $35/sale
• Cookie Duration: 60 days
• Affiliate Signup Link: https://www.healthypawspetinsurance.com/partners/affiliate

2.5. Petplan

PetPlan Insurance offers pet owners in the UK insurance policies covering vet bills, routine care, operations, accidents, and much more. They have rules for dogs and cats. As part of the Allianz Global group, it is one of the most reputable pet insurance affiliate programs.

• Affiliate Commissions: $25/sale
• Cookie Duration: 60 days
• Affiliate Signup Link: https://www.petplan.co.uk/

2.6. PDSA

It is a charity that provides free care for pets in 48 veterinary clinics across the UK. Although their cause is noble, it certainly comes at a price. That’s why PDSA sells pet insurance that covers the cost of helping millions of animals each year. Although their insurance affiliate programs’ commissions aren’t very high, at £15 per sale it’s not bad considering your positive impact on society. According to the program, the commission is paid to the partner every time an insurance policy is confirmed.

• Affiliate Commissions: £15/confirmed policy
• Cookie Duration: 30 days
• Affiliate Signup Link: https://www.pdsa.org.uk/get-involved/corporate-partnerships/our-partners

2.7. Chewy

The website offers an extensive selection of pet products, encompassing virtually every imaginable item. This diversity allows you to promote a wide array of products to your audience. Additionally, the site enjoys widespread recognition, alleviating concerns about oversaturating its promotion.

• Affiliate Commissions: $20/sale
• Cookie Duration: 15 days
• Affiliate Signup Link: https://www.chewy.com/

2.8. Natural Wonder Pets

Natural Wonder Pets is another great option for those looking for pet insurance affiliate programs with alternative therapies. They offer a wide range of herbal supplements, from flea and tick treatments to joint supplements and vitamins. With a two-tier fee device that consists of ordinary sales, you may make huge cash selling your products.

• Affiliate Commissions: 15% to 21% Per Sale
• Cookie Duration:7 days
• Affiliate Signup Link: https://natural-wonder-pets.com/affiliates/

2.9. PawHealer

PawHealer is a unique website that offers Chinese medicines for dogs and cats. These Chinese medicines are based on herbal medicines and home treatments that have been used for thousands of years. PawHealer offers both ready-to-use blends and blends prepared specifically for your pet. PawHealer Insurance Affiliate Program earns 15% on sales and cookie lifespan is 60 days. While it may be difficult to sell PawHealer to a specific audience, its products are more likely to sell to more naturally inclined pet owners.

• Affiliate Commissions: 30%
• Cookie Duration: 90 days
• Affiliate Signup Link: https://www.flexoffers.com/affiliate-programs/pawhealer-com-affiliate-program/

2.10. Odie Pet

Odie was started by pet owners who noticed a surprising gap between the availability and affordability of pet insurance. Odie insurance affiliate programs work directly with insurers, carrier partners, and customers to provide simple, effective pet insurance products at an affordable price. In addition to customizable health insurance plans for dogs and cats, Odie also offers routine care plans to help keep your pet in great health.

• Affiliate Commissions: 25%/sale
• Cookie Duration: 60 days
• Affiliate Signup Link: https://getodie.com/partnerships/affiliates/

>>> Refer to some other high-paying affiliate programs:

• Sweepstakes network
• E-commerce affiliate program

Top 6 Car & Auto Insurance Affiliate Programs

We’ll introduce you to the top 6 car & auto insurance companies’ affiliate programs that offer attractive commissions and trusted coverage options.

State Farm This is a program through which State Farm pays people and companies to promote their products. When you make a sale to State Farm, you receive a commission for the sale of that product. State Farm Insurance affiliate programs provide data about your referrals, conversions, and revenue to give you a more complete picture. Affiliate Commissions: $10/Lead Cookie Duration: 30 Days Affiliate Signup Link: https://www.statefarm.com/

AAA Auto  The AAA Auto Insurance affiliate programs present an excellent opportunity with several appealing advantages. To start, they offer an attractive commission rate of $15/ sale, surpassing the typical rates found in many other affiliate programs. In practical terms, this means that if a potential customer clicks on your affiliate link and subsequently decides to purchase an insurance policy within this generous time frame, you will still be credited for the sale. This extended cookie duration significantly enhances your potential to earn commissions from the referrals you bring in. Affiliate Commissions: $15/Sale Cookie Duration: 45 Days Affiliate Signup Link: https://www.acg.aaa.com/insurance/car-insurance.html

Electric Insurance  Electrical Insurance was founded to provide individuals and families with reliable auto, homeowners, and excess liability insurance to help them recover from loss by protecting their financial situation through insurance. Electric Insurance affiliate programs are rated “A” by AM Best and have received numerous awards for claims and excellent customer service. Electric Insurance is a wholly-owned subsidiary of GE Capital US Holdings, Inc. Avg. annual auto insurance premium for full coverage: $2,162 Avg. annual auto insurance premium for minimum coverage: $547 Affiliate Signup Link: https://www.acg.aaa.com/insurance/car-insurance.html

Esurance Esurance is an online auto insurance company under the ownership of Allstate. Their insurance affiliate programs provide a platform where customers can efficiently manage their insurance needs through their website or mobile app. In contrast to several competitors, Esurance provides a relatively limited range of discounts and offers a more concise selection of optional insurance policies. Esurance provides customers with these standard car insurance coverage types: Liability, Collision, Comprehensive, Medical payments, Personal injury protection, and Uninsured/underinsured motorist. Average annual cost for good drivers: $1,924 The average annual cost for drivers with a speeding ticket: is $2,472 Affiliate Signup Link: https://www.esurance.com/

Best Health Insurance Affiliate Programs

Health IQ

Health IQ was founded in 2013 to reward health-conscious people with cheaper insurance premiums. They focus on providing life insurance affiliate programs to people who lead healthy and active lifestyles, including athletes, cyclists, and runners. Health IQ promotes the best way to improve global health and empowers health-conscious people through financial and social rewards.

• Affiliate Commissions: $150 Per Sale
• Cookie Duration: 30 days
• Affiliate Signup Link: https://www.healthiq.com/

Coverplushealth

CoverPlusHealth is an independent marketplace. It was operated by insurance broker Health Plans Direct, Inc. Their insurance affiliate programs offer a wide range of health insurance options. Well-established for its dependability, this includes a range of insurance offerings such as short-term health plans, limited-benefit health plans, ACA enrollment services, temporary health plans, and dental plans. CoverPlusHealth insurance affiliate programs are a leading health insurer that has been serving its customers for years.

• Affiliate Commissions: 30% per lead.
• Cookie Duration: Unknown.
• Affiliate Signup Link: https://www.coverplushealth.com/page/customer_service

eHealth 

eHealth Insurance is a pioneer in online health insurance affiliate programs. Founded in 1997, we are pioneers in making it easier to purchase health insurance online. eHealth is a popular online health insurance aggregator with over 180 insurers and over 10,000 health insurance products. On their website, consumers can easily browse offers, compare rates, and purchase health insurance online.

• Affiliate Commissions: $10-75 per sale.
• Cookie Duration: 120 days.
• Affiliate Signup Link: https://www.ehealthinsurance.com/

Aflac

Alfac is a Fortune 500 company with over 65 years of experience in the insurance market. Their product consists of accident insurance, life coverage, most cancers coverage, critical illness insurance, dental insurance, and more. Most of Aflac’s activities are conducted through employers. Some packages can also be purchased directly by private individuals.

• Affiliate Commissions: $16/lead.
• Cookie Duration: 30 days.
• Affiliate Signup Link: https://www.aflac.com/

Allianz Care

Since its founding in 1890, Allianz has been securing the future of its customers. Generations of employees and managers, initially based in Berlin, have developed the company from a regional provider of auto and accident insurance into a global insurer and asset manager.

Allianz Care is now a global health insurer with a strong international presence. Their insurance affiliate programs offer health insurance solutions for individuals, families and expats with a focus on international coverage.

• Affiliate Commissions: $12 – $25 per sale.
• Cookie Duration: 30 days.
• Affiliate Signup Link: https://www.allianzcare.com/en.html

Best Travel Insurance Affiliate Programs

Travelex Travelex Insurance Services is a leading North American travel insurance provider headquartered in Omaha, NE. Founded in 1996 following the acquisition of Mutual of Omaha Companies by Travelex Group. Their insurance affiliate programs often include additional services and are available to travelers through various channels, including travel agents, tour operators, airports, and online platforms. Their legendary packages include popular features such as trip cancellation, trip interruption, insolvency, and terrorism insurance and support a wide range of holiday types. Affiliate Commissions: $25/ sale. Cookie Duration: 45 days. Affiliate Signup Link: https://www.travelexinsurance.com/	Nationwide Travel Nationwide’s travel insurance includes the FlexPlus current account package, roadside assistance in the UK and Europe, and global family mobile phone insurance. You will be required to pay a monthly fee of £13 to maintain your account. If you have any health concerns and would like to ensure they are covered, please contact Nationwide when booking your trip. Affiliate Commissions: minimum $60 Cookie Duration: varies. Affiliate Signup Link: https://www.visitorscoverage.com/affiliate-partnership/
RoamRight RoamRight is a travel insurance company focused on providing customizable travel insurance plans. Founded in 2011, the company offers insurance against various travel-related risks and emergencies. RoamRight offers coverage from $25,000 to $500,000 for everything from trip cancellation, trip interruption, accidents, illness, emergency medical evacuation, baggage insurance, and collision car rental. RoamRight insurance affiliate programs offer free travel insurance quotes based on the customer’s country of residence, travel costs, insurance needs, and other factors. RoamRight also provides customers with 24/7 support and mobile security alerts. Affiliate Commissions: 15%/sale Cookie Duration: 365 days Affiliate Signup Link: https://www.roamright.com/affiliate-program/	AXA Travel The US arm of Axa is Axa Financial, Inc., best known for its subsidiaries including Axa Advisors, Axa Network, MONY (formerly Mutual of New York), US Financial Life, and Alliance Bernstein. Equitable was acquired in 1991; In 2004, Mutual Life Insurance Company of New York (MONY) was acquired. AXA Travel is an insurance company affiliate program that offers travel insurance that covers medical emergencies, lost luggage, trip cancellation, political and disaster evacuation, etc. AXA USA has more than 50 years of experience and an international network of providers helping travelers awaiting compensation during and after a disaster. Affiliate Commissions: 12–$90/ sale up to $700; 15% for $700 and over Cookie Duration: 45 days. Affiliate Signup Link: AXA Travel
SafetyWing SafetyWing is a new player in the travel insurance market focused on digital nomads, remote workers, and long-term travelers. Founded in 2017, the company offers flexible and affordable protection. The Company operates in the insurance industry and provides insurance coverage to remote digital nomads through its Remote Health product, an application that provides personalized services to people outside their country. Their insurance affiliate programs offer benefits such as emergency medical assistance, baggage loss, and travel delay insurance, enabling freelancers and online entrepreneurs with marketable work and no fixed income to insure themselves and their trips with profitable, real-time programs. Affiliate Commissions: 10% Cookie Duration: 365 days. Affiliate Signup Link: https://safetywing.com/partners	Holiday Extras Holiday Extras is a global company based in the UK that offers travel insurance and other travel-related services such as airport and hotel parking, airport transfers, car rental, and much more. Holiday Extras’ website allows travelers to enter their insurance preferences, number of travelers, travel dates, and destination to receive a customized quote for basic travel insurance or an annual protection plan. Holiday Extras also offers travel medical insurance if you are traveling abroad for a medical procedure such as a root canal or plastic surgery. Insurance bookings will be reviewed 14 days after the original booking date. Affiliate Commissions: 15%/sale Cookie Duration: 30 days. Affiliate Signup Link: Holiday Extras

Best Business Insurance Affiliate Programs

	CSOB Pojistovna CSOB Pojistovna, based in the Czech Republic, has a rich history dating back to 1819. It is part of the KBC Group, one of the leading financial institutions in Europe. They offer insurance options such as property insurance, car insurance, travel insurance, and more. CSOB Pojistovna’s goal is to protect individuals, families, and businesses from potential threats and ensure financial security. Affiliate Commissions: 22% Cookie Duration: 45 days. Affiliate Signup Link: https://www.csobpoj.cz/
	Hiscox Founded in 1901, Hiscox is an established insurer known for its specialist insurance for small and medium-sized businesses. With a global presence, Hiscox offers commercial insurance solutions tailored to the specific needs of various industries, including professional liability, general liability, cybersecurity, and property insurance. Hiscox aims to protect businesses from the risks they face in today’s dynamic landscape. Affiliate Commissions: 25% Cookie Duration: 7 days. Affiliate Signup Link: https://www.hiscoxgroup.com/
	NEXT A newcomer to the insurance space, NEXT Insurance was founded in 2016 with the mission to provide modern, technology-driven businesses with insurance solutions in general liability, professional liability, commercial auto liability, and more. Among the best insurance affiliate programs, they serve a wide range of industries and are known for their user-friendly online platform. Affiliate Commissions: 25% Cookie Duration: 30 days. Affiliate Signup Link: https://www.nextinsurance.com

Conclusion

Insurance affiliate programs are a lucrative avenue for individuals and businesses to earn commissions by promoting insurance products and services. The variety of insurance types available ensures that affiliates can find a niche that suits their expertise and audience.

If you’re considering entering the world of affiliate marketing, exploring these highest-paying insurance affiliate programs can be a promising start. Remember that success in affiliate marketing often depends on your marketing skills, audience targeting, and the quality of the insurance products you promote.

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