Everybody needs insurance at some point in their life, and often multiple times for different circumstances, be it dental, travel, or for business.
Insurance affiliate programs can have great commission rates. They also tend to have high conversion rates, making the insurance niche a potentially lucrative one.
I’ve done a round-up of some of the best insurance affiliate networks available today. I have listed out the commission per sale or per referral and, importantly, the sale cookie duration.
Health IQ
Health IQ is a London-based company that was founded in 2014.
The company prides itself on the use of data gathered from millions of health-conscious people to help them find the best policy to help the customer save on life insurance.
Health IQ is tailored to athletes and active individuals, for example, those with a low resting heart rate, and will try and secure more competitive health insurance for these people.
If you are in the health and fitness niche, this could be a great insurance affiliate program to promote to your readers. You will be helping them potentially reduce their premiums, and making affiliate commissions at the same time.
Commission Rate: $150 Per Sale
Cookie Duration: 30 Days
Haven Life
Haven Life was founded in 2014 and is a New York based company. It is backed by MassMutual, which has over 160 years of experience in the insurance market.
Haven Life offers affordable life insurance, and it is all done online. They offer two primary plans, one requiring a medical, in order to lower the premiums and one that does not require a medical, which may be more appealing for some.
Commission Rate: $20 Per Sale
Cookie Duration: 30 Days
Join the Haven Life Affiliate Program
Allstate
Allstate was founded in 1931 and is based in Northbrook, Illinois.
It is America’s largest, publically held, personal lines insurer. They cover a wide variety of insurance types including, auto, home, life, motorcycle, renters, boat, landlord, condo, business, retirement, and investment.
Allstate has physical stores up and down the US and Canada, but also offer their services online.
Commission Rate: $28 Per Lead
Cookie Duration: 5 Days
Join the Allstate Affiliate Program
Allianz Global Assistance
Allianz Global Assistance is underwritten by Allianz, a German-based company founded in 1890. It is a well-known company in the insurance industry.
They offer global travel insurance for one trip cover or annual travel. Their policies can include vehicle rental cover, should there be an accident whilst you are abroad or staycationing.
Their insurance ensures that you’ll receive the best medical care possible, regardless of where you are in the world.
One of the selling points of this provider is that they have a dedicated app, which can be useful for regular travelers.
Commission Rate: $12 – $25 Per Sale
Cookie Duration: 45 Days
Join the Allianz Global Assistance Affiliate Program
Lemonade
Lemonade is relatively new to the insurance market, being established in 2016. It is a US-based company with its headquarters in New York, however, it covers the US, France, Netherlands, and Germany.
Lemonade offers home insurance, renters insurance, pet insurance, and life insurance.
If you are looking for an insurance affiliate program to promote with a more ethical vibe, Lemonade could be a good choice. It gives a portion of its underwriting profits to nonprofit organizations. The best bit? The nonprofit organization is chosen by the customer on signing up, so they can feel warm and fuzzy whilst buying the insurance!
Commission Rate: $25.50 Per Sale
Cookie Duration: 30 Days
Join the Lemonade Affiliate Program
Gerber Life
Gerber Life was founded in 1967 and has its head offices in New York. Its parent company is Western & Southern Financial Group.
Gerber Life provides juvenile and family life insurance products to plan for college and through to retirement.
The commission rate is ok, but the 1 day cookie duration lets this affiliate program down a little for me.
Commission Rate: $25 Per Sale
Cookie Duration: 1 Day
Join the Gerber Life Insurance Affiliate Program
United Services Automobile Association (USAA)
USAA was founded in 1922 by a group of 25 US Army officers as they were unable to secure auto insurance as they were deemed to be too ‘high risk’. It was founded in and remains based in Texas.
It offers insurance to those that have served in the US Armed Forces. Originally this was only auto insurance but has since expanded to offer homeowner insurance, renters’, and personal property insurance.
Commission Rate: Unknown
Cookie Duration: Unknown
Join the USAA Affiliate Program
Hiscox
Hiscox is a Anglo-Bermudan insurance provided, listed on the London Stock Exchange, but with its headquarters in Bermuda. It was founded in 1901.
Hiscox is a more niche insurance provider, specializing in casualty, kidnap and ransom, marine, aerospace, hacking, product recall, and political risk insurance.
This insurance company is really aimed at individuals and companies with a high net worth. So if you are in a service tech-based or political niche, this could be a good affiliate insurance program to recommend to your readers.
Commission Rate: $25 Per Lead
Cookie Duration: 7 Days
Join the Hiscox Affiliate Program
State Farm
State Farm was established in 1922 and has its headquarters in Illinois, US. It was founded by retired farmer George J. Mecherle as a mutual automobile insurance company owned by its policyholders.
Today it not only offers auto insurance but also homeowners and life insurance.
Commission Rate: $10 Per Lead
Cookie Duration: 30 Days
Join the State Farm Affiliate Program
CargoCert
CargoCert is based out of New Jersey and was founded in 2017.
Unsurprisingly, CargoCert insurance company mainly provides insurance to cargos, so if your audience is importing or moving goods around, be it by sea, road, or air, this affiliate program could be a great recommendation for them.
It also offers moving insurance too, which could be useful to promote if you are in the home niche.
Commission Rate: Unknown
Cookie Duration: Unknown
Join the CargoCert Affiliate Program
Embroker
Embroker was founded in 2015 and has its headquarters in San Francisco.
Emboker sells itself as a digital insurance company built with modern technology to eliminate inefficiencies that the traditional insurance companies have. Its promise is that it passes these cost savings onto the customer.
It offers business insurance to startups as well as growing businesses and offers bespoke products such as cyber insurance and commercial crime insurance, understanding the changing challenges in the business world.
If you are looking for an affiliate insurance program for solopreneurs or start-ups, this could be a good one to recommend.
Commission Rate: $10 Per Lead
Cookie Duration: 30 Days
Join the Embroker Affiliate Program
autopom!
autopom! was founded in 2009 and is based in California.
autopom! keep it simple and stick to auto insurance in the US and Canada. They appear to have great customer reviews.
On top of the great customer reviews is a great cookie duration of 365 days, so even though the commission rate is not great, this affiliate program should not be overlooked.
Commission Rate: $10 Per Lead
Cookie Duration: 365 Days
Join the autopom! Affiliate Program
Gabi Insurance
Gabi Insurance is based in San Francisco and was founded in 2016.
It is a comparison site that is linked into over 40 of the top insurance companies in order to find the customer the best value insurance for their needs.
They currently cover, auto, home, renters, umbrella, and landlord insurance, so could be a great affiliate program to recommend if you are in the home niche.
The commission rate is not great, but the cookie duration makes up for that a little.
Commission Rate: $5 Per Lead
Cookie Duration: 90 Days
Join the Gabi Insurance Affiliate Program
TravelInsurance.com
TravelInsurance.com is a New York based company that was founded in 2013.
As the name would suggest, they purely offer travel insurance for worldwide travel. They act as a comparison site/broker, for some of the largest travel insurance companies in the world.
They keep their commission rates and cookie duration a closely guarded secret that you can only find out once accepted into the program.
Commission Rate: Unknown
Cookie Duration: Unknown
Join the TravelInsurance.com Affiliate Program
Travelex Insurance Services
Headquartered in Omaha, Nebraska, Travelex Insurance Services was founded in 1996 when the Travelex Group purchased the travel insurance distribution services of Mutual of Omaha Companies.
Travelex focuses on global travel insurance and offers 24/7 assistance to its customers, wherever they are in the world.
Commission Rate: $25 Per Sale
Cookie Duration: 45 Days
Join the Travelex Affiliate Program
Petplan
Petplan was founded in 2003 and has its headquarters in New York.
Commission Rate: $25 Per Lead
Cookie Duration: 30 Days
Join the Petplan Affiliate Program
Embrace Pet Insurance
Embrace Pet Insurance was founded in 2003 and is based in Cleaveland.
This company runs community challenges that are designed to raise funds for Cleaveland nonprofit charities.
Embrace only offer pet insurance for cats and dogs at the time of writing. They do offer multiple pet discounts and military discounts as well as offering a deductable scheme for healthy pets, which may be appealing to some owners.
Commission Rate: $36 Per Lead
Cookie Duration: 60 Days
Join the Embrace Pet Insurance Affiliate Program
CoverWallet
Coverwallet was launched in 2015 and is based in New York.
It is an online-based company aimed at small and medium-sized enterprises. They offer general liability, workers compensation, commercial property, professional liability, commercial auto, umbrella, errors and omissions, employment practices liability, fiduciary liability, cyber liability insurance, and much more.
Commission Rate: $30 Per Sale
Cookie Duration: 30 Days
Join the CoverWallet Affiliate Program
Esurance
Esurance was founded in 1999 and is based in San Francisco, it is part of that Allstate group.
It was one of the first companies to sell policies directly to consumers over the internet
Esurance sells auto, home, motorcycle, and renters insurance both, online and by phone.
If you have a site in the automotive or motorcycle niche, this could be a great affiliate program for you to promote.
Commission Rate: $10 Per Lead
Cookie Duration: 30 Days
Join the Esurance Affiliate Program
RoamRight
RoamRight was founded in 2012 as an offshoot of the Arch Insurance Company brand.
The company specializes in travel insurance including rental car insurance for when you are abroad.
If you are a travel blogger, this affiliate program, with its 365-day cookie duration could be a good travel insurance option to promote to your audience.
Commission Rate: 15% Per Sale
Cookie Duration: 365 Days
Join the RoamRight Affiliate Program
World Nomads
World Nomads was established in 2002 and is based in Canada, although it has a global workforce.
World Nomads was designed for independent travelers, solely offering travel insurance.
A great thing about this company is that it offers a donation to the country you are buying your insurance to travel to.
Commission Rate: 10% Per Sale
Cookie Duration: 60 Days
Join the World Nomads Affiliate Program
Hippo
Hippo insurance was founded in 2015 and has its headquarters in California.
They offer homeowner’s insurance covering the home and the possessions of the homeowner as well as protecting against liability from accidents occurring in the insured property.
Hippo uses big data analytics and AI to offer bespoke policies to their customers.
Commission Rate: $25 Per Lead
Cookie Duration: 90 Days
Join the Hippo Affiliate Program
SafetyWing
SafetyWing is a Norwegian-founded startup founded in 2018, now located in San Francisco.
It offers health insurance solutions for the growing remote workforce.
It started off by offering travel insurance for digital nomads, since this, the company has expanded and offers global health insurance for nomads and remote companies.
It offers a competitive commission rate with a great cookie duration. If you promote the digital-nomad lifestyle, this could be a good affiliate program to promote.
Commission Rate: 10% – 20% Recurring
Cookie Duration: 365 days
Join the SafetyWing Affiliate Program
Globelink International
Globelink International is based in Essex, UK, and has been operating since 1996.
They sell personalized travel insurance, including that specifically targeted at backpackers, which could be useful if you are targeting the digital-nomad, or student community.
Commission Rate: 10% – 20% Per Sale
Cookie Duration: 90 Days
Join the Globelink International Affiliate Program
Tokio Marine HCC
Tokio Marine HCC is an international company with its headquarters in Texas, UK, but with officers across the UK and EU. It was founded in 1974.
The company offers specialty insurance products including medical stop loss, directors and officers, and other types of professional liability, aviation, surety, public risk, and event cancellation insurances.
Commission Rate: 8% – 13% Per Sale
Cookie Duration: Unknown
Join the Tokio Marine HCC Affiliate Program
eHealth Insurance
eHealth Insurance is based in California, UK, and was established in 1997.
eHealth partners with over 180 top insurers to find the perfect health insurance, including dental, for individuals and families.
Commission Rate: $5 -$75 per sale
Cookie Duration: Various, but up to 120 days
Join the eHealth Affiliate Program
Travel Guard
Travel Guard was founded in 1982 in the basement of the founder, John Noel’s home. Since this time it has been acquired by the American Internation Group and is based in New York.
The company offers travel insurance for individuals and families.
Commission Rate: From $16 Per Lead
Cookie Duration: Unknown
Join the Travel Guard Affiliate Program
Liberty Mutual
Liberty Mutual was founded in 1912 in Massachusetts and still has its head officers there today.
Liberty Mutual offers a number of different insurance products including, automobile, homeowners, workers compensation, commercial, general liability, global specialty, group disability, fire, and surety insurance to name but a few.
The commission rate per lead depends on the product being promoted.
Commission Rate: $3 – $17 Per Lead
Cookie Duration: 120 days
Join the Liberty Mutual Affiliate Program
NetQuote
NetQuote is based in Texas and was founded in 1989. Interestingly, it was the world’s first interactive voice-response service to shop for insurance. Well, at least I found that interesting!.
Commission Rate: $2.50 – $20 Per LeadCookie Duration: Unknown
Join the NetQuote Affiliate Program
American Automobile Association (AAA)
The American Automobile Association (AAA), aka “Tripple A” was founded in 1902 in Illinois, its headquarters are now based in Florida.
Tripple A operates in the US and Canada and offers automobile insurance, home, and life insurance.
It is a household name, so already has social proof behind it, if you chose to promote this insurance program to your audience.
Commission Rate: 10-15%
Cookie Duration: 45 days
Join the AAA Affiliate Program
SmartAsset
SmartAsset was founded in 2012 and has its headquarters in New York.
The company uses interactive tools in order to help customers find what they need. The company offer life insurance policies, as well as many other services, focused around personal finance.
They offer a great commission rate at $70 per lead, but, unfortunately, the cookie duration is only 1 day in length.
Commission Rate: $70 Per Lead
Cookie Duration: 1 Day
Join the SmartAsset Affiliate Program
There you have it, a round-up of some of my favorite insurance affiliate programs. As you will see, there are some great commission rates and cookie durations out there for you covering everything from whether you’re working in the pet niche or teaching people how to be personal trainers from home, there is an insurance affiliate program that you can promote.