10 Best Insurance Affiliate programs

Hello there Sea Changers. Welcome back to my series of program lists to assist those of you looking to fund your sea change with affiliate marketing. Today we are going to continue our journey through the finance niche with my 10 best insurance affiliate programs to adjust in 2021. With a greater number of financial institutions jumping onto the online sales bandwagon in recent times, there have been an increasingly large number opportunities here. So with a little work, this could be one that can be turned into quite a nice little sea change funding online business.

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Before we begin however, I am conscious that there are a number of different areas or sub niches within this subject hence the quantity of affiliate programs to choose from may be just as large. So how have I picked my best 10? Well… I really just wanted to give you a good cross section of what is out there so I did some searching around and checked a few out and chose them by looking at:

  • What they offer
  • Commission rates
  • Payment terms
  • Cookie duration
  • Application processes
  • Affiliate/Marketing materials provided

Before we start however, let's have a look at what I mean by the term ‘insurance' and how it can be incorporated within an affiliate marketing website…

What do we mean by Insurance?

Most of us know insurance as that little bit of peace of mind when it comes to protecting ourselves and our valuables. In fact, if I am being honest, as I start to think about it I feel that this post may end up being split out into quite a few difference niche based options as well. Anyway, as mentioned above, as more and more insurance companies start to identify a market for online sales – in fact some are set up as online only operations – there are of course more options for affiliate marketers within this niche.

To that end, due to increased competition between brokers, many of today's modern insurance policies come with extras such as loyalty programs, extra security options and memberships to other ‘clubs' etc. Many have also incorporated rewards type programs where users can earn rewards such as travel, merchandise and other items simply for renewing their policies.

Oh, and did you know that the term ‘insurance' generates over 1.2 million online searches per month? Based on that alone I don't think it is an area that is going to disappear anytime soon so as we start to check out insurance affiliate program options we can consider the following:

  • Life Insurance
  • Car Insurance
  • Health Insurance
  • Pet insurance
  • Home Insurance
  • Business Insurance
  • Travel Insurance

Maybe I will need separate posts… That aside, if you are interested in setting up an online business in this space, let's check them the programs I have come up with below:

Insurance affiliate programs - Stripe

Legalities and Financial Implications

Before we begin however, there are a couple of things I just wanted to to cover. Firstly it should be highlighted that legalities around the sale of insurance policies vary substantially from country to country or state to state. Secondly, by nature, the acquisition of an insurance policy can place users into a contracted arrangement in which policy payments must be made in accordance with contract outlines and inclusions.

So if you are looking at this from an affiliate marketing point of view, great care must be given as to whether you could be construed as giving actual financial or insurance advice or not as many countries also regulate those who are legally able to do so. With all that in mind then, the list of affiliate programs below is provided on a factual basis only and due diligence should be undertaken in regards to their jurisdictional legalities prior to applying. They are also not provided with any advice in regards to the acquisition or use of these insurance policies.

So, now that that is all out the way, let's have a look at 10 programs that I have found below:

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1. Liberty Mutual

Insurance affiliate programs - Liberty mutual

Let's start with one of the biggest insurers in the United States in Liberty Mutual. Founded in 1912, the organisation has grown to become the 6th largest insurer in the world with a massive portfolio range including:

Auto & Vehicle

  • Car
  • Motorcycle
  • Boat & Watercraft
  • Antique & Classic Car
  • ATV & Off-Road Vehicle
  • Recreational Vehicle (RV)

Property

  • Home
  • Renters
  • Condo
  • Landlord
  • Mobile Home Insurance
  • Flood

Other

  • Umbrella
  • Life
  • Accident
  • Critical Illness
  • Identity Theft
  • Pet
  • Tuition
  • Small Business

And as is becoming more and more common these days, they offer discounts for online management as well as services such as roadside assistance and small business advice options.

Insurance affiliate programs - Liberty mutual stripe

This is a great site for affiliates as it allows you to cover all aspects of insurance in the one spot. It would also make a great addition to any niche dealing with the above areas as well.

Insurance affiliate programs - Liberty mutual affiliate

Commission Rate:

  • Auto Insurance: $10 per lead
  • Home Insurance: $10 per lead
  • Renter Insurance: $3 per lead
  • Multi Policy: $17 per lead

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes, Liberty Mutual's affiliate program is managed by CJ Affiliates. You will be required to apply for an account then for the Liberty Mutual affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Banners, text links, bonus commission promotions

Join the Liberty Mutual affiliate program here


2. Allstate

Insurance affiliate programs - Allstate

Allstate is another large and well-known insurance company that is “committed to make a difference”. Their range of policy option is almost too large to list here however their main options include:

Insurance affiliate programs - Allstate stripe

This site would definitely make a great baseline for any insurance based affiliate business or again, as an add on to any site centred on the insurance options above (motorbike, car, business etc.). They also offer some great range of tools and resources to assist your readers and/or provide good post options for your site as well as extra services such as accident forgiveness, new car replacement and Deductible Rewards.

Insurance affiliate programs - Allstate affiliate

Commission Rate:

  • Auto Insurance – $10
  • Renter's Insurance – $5
  • Home Insurance – $20

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes, the Allstate affiliate program is managed by Impact. You will be required to apply for an account then for the Allstate affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Text links, banners

Join the Allstate affiliate program here


3. eHealth

Insurance affiliate programs - eHealth

As the name suggests, eHealth is a health based insurance company that makes “health insurance affordable & easy”. With mission to “connect everyone with quality, affordable health insurance and Medicare plans”, they offer access to:

  • Health Insurance
  • Medicare
  • Small Business Health Insurance
  • Maternity Coverage
  • PPO Plans
  • HMO Plans
  • eHealth Medicare
Insurance affiliate programs - eHealth stripe

This site would work best for those working within the health niche or as an add on to any company, small business or family based site as well. They also offer a fantastic range of services such as information in regards to:

  • Obamacare Made Simple
  • Affordable Care Act
  • Medical Plans by State
  • Health Insurance Companies
  • Find a Doctor
  • Medicaid
  • Customer Service
  • Prescription Drug Savings
Insurance affiliate programs - eHealth affiliate

Commission Rate:

  • Individual or Family Health Insurance – $50
  • Short Term Health Insurance – $10
  • Student Health Insurance – $20
  • Dental Health Insurance – $10
  • Small Business Group Health Insurance – $75

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes, the eHealth affiliate program is managed by CJ Affiliates. You will be required to apply for an account then for the eHealth affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Text links, banners

Join the eHealth affiliate program here


4. esure

Insurance affiliate programs - esure

esure is a U.K. based company that have converted their original “direct-selling insurance over the telephone” model into an online based operation offering a streamlined process for the purchase of car and home insurance by their customers. This includes discounted policies in the areas of:

  • Auto
  • Home
  • Travel

There are also specialised options for multi-car and electric car policies as well.

Insurance affiliate programs - esure stripe

This would make a great addition to any insurance affiliate site or as usual, a decent side link to anybody looking to add to their automobile or home security niches as well.

Insurance affiliate programs - esure affiliate

Commission Rate:

  • £25 per auto insurance policy
  • £15 per Buildings and Contents joint schedule
  • £8 per single home policy

Payment Terms: 90 Days

Cookie Duration: 30 Days

Application required?: Yes, esure's affiliate program is managed by AWIN. You will be required to apply for an account then for the esure affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Banners, text links

Note: Car and Home Insurance affiliate programs run separately.

Join the esure affiliate program here


5. Electric Insurance Company

Insurance affiliate programs - Electric Insurance

As with the sites above, Electric Insurance Company is a “licensed property/casualty insurer” offering a good range of home and auto related products including:

  • Auto
  • Home
  • Umbrella
  • Flood
  • Recreational Vehicles/Watercraft

This site also offers a number of great services including:

  • Great Driver™ App
  • Risk Coach™ Tool
  • MyAccount Policy Management Center
Insurance affiliate programs - Electric Insurance Stripe

As with most of the insurance sites listed here, this is probably enough to build an affiliate marketing business around however it would be a great companion/add on to just about any finance, investment, auto or homemaker related site possible or within the outdoors niches as well.

Insurance affiliate programs - Electric Insurance Affiliate

Commission Rate: Not Stated

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes, you will need to enter personal and website information to apply.

Marketing material provided: Text links and banners

Join the Electric Insurance Company affiliate program here

Do You Need Assistance Turning These Affiliate Programs Into $$Let Me Show You How to Earn a Passive Income with Zero Inventory Using My 4 Step Formula

Are you looking to get your own online business setup but not sure where to start? 

It can all be a bit overwhelming but it doesn't have to be. 

See how I learned how to set my online business up from scratch - A business which now attracts organic traffic and makes real money...

6. Hiscox

Insurance affiliate programs - Hiscox

Now we start to look at more specialty insurance based sites starting with Hiscox. With a mission to “make sure small professional businesses have the right insurance…”, Hiscox specialises in assisting small businesses in over 180 professions with their insurance needs including:

  • General Liability
  • Errors and Omissions
  • Professional Liability
  • Business Owners Policy
  • Short-Term Liability
  • Cyber Security Insurance
  • Workers Compensation
  • Umbrella
  • Directors and Officers
  • Business Auto
Insurance affiliate programs - Hiscox stripe

Obviously this site would work best as a base or add on to any general insurance related affiliate business or incorporated within any mainstream finance, business or corporate management site as well especially where the focus is on the security. And to assist with reader information there is also a fantastic range of calculators and a business blog too.

Insurance affiliate programs - Hiscox affiliate

Commission Rate: $25 for each completed quote

Payment Terms: Monthly.

Cookie Duration: Not Stated

Application required?: Yes, Hiscox's affiliate program is managed by CJ Affiliates. You will be required to apply for an account then for the Hiscox affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Text links and banners

Join the Hiscox affiliate program here


7. Coverwallet

Insurance affiliate programs - Coverwallet

Coverwallet is another insurance broker aimed at assisting small business to “understand, buy and manage insurance”. It is an online only operation that tailors insurance to the specific industry of the client in just about any industry you can imagine (areas such as startups, restaurants, beauty salons and so on) . Their insurance cover options include:

  • General Liability
  • Worker's Compensation
  • Business Owners Policy (BOP)
  • Commercial Property
  • Professional Liability
  • Commercial Auto
  • Umbrella Insurance
  • Errors & Omissions (E&O)
  • Directors & Officers (D&O)
  • Employment Practices Liability Insurance (EPLI)
  • Fiduciary Liability
Insurance affiliate programs - Coverwallet stripe

This would make a great addition to any insurance or business services affiliate site or as an add on for those working in the small business coaching, assistance or management niches. There is also a fantastic resources section including:

  • Insurance guides
  • Business insurance help
  • Business tips
  • Business news
Insurance affiliate programs - Coverwallet affiliate

Commission Rate: Not Stated

Payment Terms: Monthly

Cookie Duration: 30 Days

Application required?: Yes, you will need to enter personal and website information to apply.

Marketing material provided: Banners, text links

Join the Coverwallet affiliate program here


8. RoamRight

Insurance affiliate programs - Roamright

Out next site, RoamRight takes us into the world of travel insurance with a policy that covers the following:

  • Trip Cancellation
  • Trip Interruption
  • Accident and Sickness
  • Emergency Medical Evacuation
  • Baggage Coverage
  • Rental Car Excesses etc.

Policy holders can choose their required level of coverage based on the country being visited and the activities they plan to undertake. There is also an app that allows them to manage and claim whilst on the road.

Insurance affiliate programs - Roamright stripe

There is probably not enough here to base an entire affiliate marketing business around however their offerings would certainly be a great addition to any insurance, general finance or travel related niche. And as with most travel related insurance sites, RoamRight offers a range of tools and information benefits such as travel advice, destination information and a decent blog as well.

Insurance affiliate programs - Roamright affiliate

Commission Rate: 15%

Payment Terms: Monthly

Cookie Duration: 365 Days

Application required?: Yes, RoamRight's affiliate program is managed by Share-A-Sale. You will be required to apply for an account then for the RoamRight affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Text links, banners

Join the RoamRight affiliate program here


9. Lemonade

Insurance affiliate programs - Lemonade

Lemonade is one of a new breed of insurance companies that is attempting to disrupt the industry via offering such incentives as givebacks of unclaimed policy fees and fast claim returns. Boasting a “fast, affordable and hassle free” insurance experience, Lemonade offers policies in the following areas:

  • Homeowners Insurance
  • Renters Insurance
  • Pet Health Insurance
Insurance affiliate programs - Lemonade stripe

This would make a great addition to any insurance or financial services affiliate site or as a baseline for those looking to work within the world of home, pets and/or security. There is also a fantastic blog section outlining everything you could need to assist in your affiliate posts.

Insurance affiliate programs - Lemonade affiliate

Commission Rate: Not Stated

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes. You will need to enter personal and website information to apply.

Marketing material provided: Banners, text links

Join the Lemonade affiliate program here


10. Pet Insurer

Insurance affiliate programs - Pet Insurer

For those working within the pet niches, Pet Insurer is a specialist pet insurance comparison service that provides access to a number of companies and policies based on the individual needs of the pet and/or its owner. Policies are then chosen to cover everything from protection against future accidents and illnesses in terms of vet care and surgeries etc. to post-operative care as well.

Insurance affiliate programs - Pet Insurer stripe

This would make a great addition to any insurance based niche or of course as an add on to anything to do with pets.

Insurance affiliate programs - Pet Insurer affiliate

Commission Rate: Up to $100 per pet

Payment Terms: Monthly

Cookie Duration: 90 Days

Application required?: Yes, you will need to enter personal and website information to apply.

Marketing material provided: Banner ads, text links and specific marketing content

Join the Pet Insurer affiliate program here

How to find your own affiliate programs

As stated earlier, by outlining the sites above I have really just tried to give you a good cross section of the types of programs that are out there by listing the really good ones in each ‘category'. That does not mean that you cannot find affiliate programs that better suit what it is that you are trying to do within this space especially as I could never even begin to cover every insurance related requirement or sub niche in the one post. Luckily for us, there is a simple way to find these programs online.

All you need to do is enter “affiliate: niche type” into your search engine (substituting ‘niche type‘ for whatever product it is that you are choosing to sell).

Insurance affiliate programs - Affiliate

There are insurance affiliate programs for everything else that we have listed at the top of this page as well – you will just need to have a look around until you find one or two that suit your site. Once you have completed your searches, you can look through and find programs that:

  • Relate to your niche/problems that you are solving.
  • Have quality products – your brand can be severely damaged if you promote poor quality or untrustworthy products.
  • Have solid payment and customer service arrangement.
  • Pay decent commissions.
  • Have good testimonials covering commission payouts and quality of product.

In most cases, you will need to apply for the program before you are allowed to promote their products – don’t take this step lightly or you will be rejected. Affiliate programs will generally want to know:

  • Your website name.
  • Traffic levels.
  • Why you want to join – (so I can make money by selling your liability insurance is unfortunately not generally a good enough answer).
  • How you plan to promote their products.

Conclusion

So… There are 10 of the best insurance affiliate programs to adjust in 2021. I hope it has been helpful for you as you commence your own insurance based affiliate marketing business and as usual, please do not hesitate to comment below if you have any questions, need some advice or have any experiences to share. Oh, and especially comment if you have any experience with these, or any other programs as well.

Until next time

Have fun

Paul

Note: If you make a purchase from this page, there is a very good chance that I make a commission from it – these commissions do not increase your sale price.

Do you want further assistance with any of the above or need help to build your own insurance or finance based website?

Are you looking for a comprehensive training platform that can give you step by step training, 24/7 support, tools to develop and host your very own website, ongoing assistance with SEO and social media and access to some of the best affiliate marketing minds on the planet, then click on the following link to read more about Wealthy Affiliate.

Hey there, my name is Paul and I am the owner and founder of Make That Sea Change.  I spent 30 years in a cubicle working the 9 to 5 grind and just wanted to live at the beach.  I was lucky enough to achieve that with the help of my wife and our new Pilates studio.

Then I decided to help fund my new sea change with some affiliate marketing.  I joined Wealthy Affiliate, and as they say, the rest is history.

Let me know how I can help you fund your sea change today!

Paul and Nic Logo - Make that Sea Change

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