Speaking of the US, Americans famously spend a big chunk of their earnings on insurance products. According to one analysis<\/a>, 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\u2019s insurance expenses, followed by:<\/p>\n\n\n\n Given the vast sums involved, it\u2019s no wonder consumers are desperate for help finding the best (and cheapest) insurance plans. That\u2019s where you come in. <\/p>\n\n\n\n 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 15 best insurance affiliate programs\u2026<\/p>\n\n\n\n We don\u2019t pretend to know much about rocket science or brain surgery, but we definitely <\/em>understand affiliate marketing.<\/p>\n\n\n\n We\u2019ve been building and monetizing authority sites across multiple niches<\/a> for more than a decade now. <\/p>\n\n\n\n Along the way, we\u2019ve shared countless best practices and case studies<\/a> to help thousands more affiliate marketers make money through The Authority Site System<\/a> and our free training<\/a>.<\/p>\n\n\n Lemonade<\/a> 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.<\/p>\n\n\n\n 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 \u201calmost instantly.\u201d<\/p>\n\n\n\n It has a 30-day cookie window and pays a commission of up to $15 per lead. To help affiliates drive sales and traffic, the company offers access to a vast content library and various pre-designed assets.<\/p>\n\n\n\n USAA<\/a> sells insurance, banking, and retirement solutions for the military, veterans, and eligible family members, including:<\/p>\n\n\n\n Customers can save up to 10% by bundling auto and property insurance policies from USAA.<\/p>\n\n\n\n As well as selling insurance products, the company strives to support its communities, investing time and money into various military programs.<\/p>\n\n\n\n USAA\u2019s insurance affiliate program is exclusively available through the CJ Affiliate network<\/a>. It has a 30-day cookie window and a sliding commission scale, paying:<\/p>\n\n\n\n According to CJ Affiliate, the program has an impressive three-month EPC of $277.61.<\/p>\n\n\n\n Liberty Mutual<\/a> is America\u2019s 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n Allianz Care<\/a> is one of the world\u2019s 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.<\/p>\n\n\n\n The company\u2019s insurance affiliate program is managed exclusively through CJ Affiliate. The program pays commissions of \u20ac10 per lead and \u20ac10 \u2013 \u20ac45 per completed application. <\/p>\n\n\n\n Commissions are paid on all saved or completed quotes, call-back requests, and emails to Allianz\u2019s sales team \u2014 even if the lead doesn\u2019t convert into a customer. The program has a 45-day cookie window.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n Ethos Life<\/a> 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.<\/p>\n\n\n\n The company offers insurance policies through various big-name brands, including Legal & General America, Ameritas Life Insurance, and TruStage.<\/p>\n\n\n\n The Ethos Life insurance affiliate program is available through Impact Radius. It pays commissions of $20 \u2013 $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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n World Nomads<\/a> offers travel insurance for independent travelers and intrepid families. Customers can purchase policies before they set off or while they\u2019re traveling and can claim from anywhere in the world.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n World Nomads affiliates have the opportunity to join co-branding campaigns with other travel industry partners and can access regional support from the company\u2019s affiliate management team.<\/p>\n\n\n\n Bestow<\/a> 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n Sign up for Bestow\u2019s insurance affiliate program via the Impact Radius or FlexOffers networks. Impact offers a slightly higher commission rate ($25 vs. $20 per application), so it\u2019s probably the best choice.<\/p>\n\n\n\n Either way, Bestow affiliates can access custom landing pages, marketing messaging, and tailored tips to optimize performance.<\/p>\n\n\n\n\n
Insurance Affiliate Programs<\/h2>\n\n\n\n
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\ud83d\ude0e Why You Should Trust Us<\/strong><\/h2>\n\n\n\n
![\"Affiliate](\"https:\/\/www.authorityhacker.com\/wp-content\/uploads\/2022\/01\/aff-earnings.png\")
<\/figure><\/div>\n\n1<\/em> Lemonade<\/h3>\n\n\n
![\"lemonade](\"https:\/\/www.authorityhacker.com\/wp-content\/uploads\/2022\/03\/lemonade-homepage-screenshot-1024x462.png\")
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2<\/em> USAA<\/h3>\n\n\n
![\"usaa](\"https:\/\/www.authorityhacker.com\/wp-content\/uploads\/2022\/03\/usaa-homepage-screenshot-1024x462.png\")
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3<\/em> Liberty Mutual <\/h3>\n\n\n
![\"liberty](\"https:\/\/www.authorityhacker.com\/wp-content\/uploads\/2022\/03\/liberty-mutual-homepage-screenshot-1024x462.png\")
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4<\/em> Allianz Care<\/h3>\n\n\n
![\"allianz](\"https:\/\/www.authorityhacker.com\/wp-content\/uploads\/2022\/03\/allianz-homepage-screenshot-1024x462.png\")
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5<\/em> Ethos<\/h3>\n\n\n
![\"ethos](\"https:\/\/www.authorityhacker.com\/wp-content\/uploads\/2022\/03\/ethos-homepage-screenshot-1024x462.png\")
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6<\/em> World Nomads <\/h3>\n\n\n
![\"world](\"https:\/\/www.authorityhacker.com\/wp-content\/uploads\/2022\/03\/world-nomads-homepage-screenshot-1024x462.png\")
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7<\/em> Bestow<\/h3>\n\n\n
![\"bestow](\"https:\/\/www.authorityhacker.com\/wp-content\/uploads\/2022\/03\/bestow-homepage-screenshot-1024x462.png\")
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![\"hiscox](\"https:\/\/www.authorityhacker.com\/wp-content\/uploads\/2022\/03\/hiscox-homepage-screenshot-1024x462.png\")
<\/figure><\/div>\n\n\n![\"cover](\"https:\/\/www.authorityhacker.com\/wp-content\/uploads\/2022\/03\/cover-more-homepage-screenshot-1024x462.png\")
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