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 this year.
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.
- Liberty Mutual
- Allstate
- eHealth
- esure
- Electric Insurance Company
- Hiscox
- Coverwallet
- RoamRight
- Lemonade
- Pet Insurer
That's right! Wealthy Affiliate provided me with all of the tools and training I needed to get this post in front of my audience - a.k.a YOU!
You too can start your very own online business here that can make you money from anywhere in the world!!
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
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.
Best Insurance Affiliate programs
So, now that that is all out the way, let's have a look at 10 insurance company affiliate programs that I have found below:
1. 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.
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.
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
2. 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:
- Auto
- Home
- Renters
- Term Life
- Condo
- Motorcycle
- Boat
- Off-Road Vehicle
- Business
- Identity Theft Protection
- Flood
- Snowmobile
- Pet
- Retirement & Investments
- Motorhome & RV
- Event
- Landlord
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.
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
3. 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
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
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
4. 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.
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.
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.
5. Electric Insurance Company
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
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.
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
That's right! Wealthy Affiliate provided me with all of the tools and training I needed to get this post in front of my audience - a.k.a YOU!
You too can start your very own online business here that can make you money from anywhere in the world!!
6. 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
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.
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
7. 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
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
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
8. 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.
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.
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
9. 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
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.
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
10. 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.
This would make a great addition to any insurance based niche or of course as an add on to anything to do with pets.
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
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).
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 this year. 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. This may include sales made via Wealthy Affiliate or Share-A-Sale.
Do you want further assistance with any of the above or need help to build your own insurance or finance based website?
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