9 Best Life Insurance Affiliate Programs To Promote In 2022

Life insurance affiliate programs can be a great way to earn a piece of the profit in one of the most profitable niches in the blogging world.

Even before 2020, the insurance industry was among the highest-paying in blogging. The cost per click (CPC) for insurance keywords can exceed $200.

As a result of the Coronavirus pandemic, insurance bloggers now have a new opportunity to provide stability at a time when many people are experiencing a great deal of uncertainty.

These new platforms appeal to the gen Z and millennial audience planning for the future by providing simple online platforms, modern branding, and user-friendly websites.

Most of these companies pay out based on leads, so you earn a commission every time someone requests a quote from your content.

Continue reading to learn about some of the life insurance companies and which life insurance affiliate program is best for your target audience.

Life Insurance Affiliate Programs

Liberty Mutual Affiliate Program

Since 1912, Liberty Mutual has helped people ensure their lives and property. As of today, they are one of the largest insurers in the United States, offering most types of insurance such as home, auto, renters, life, pet, and even tuition insurance. 

They do this for customers in over 30 countries. Liberty Mutual, one of the most well-known insurance brands on the market, is also among the Fortune 500's top 100 largest corporations.

So, how much could this program be worth to you? To begin, you can earn up to $10 per lead. This is contingent on your referral successfully submitting a home or auto insurance quotes in a qualifying state.

Although it is a small commission for an insurance lead, their 'Network Earnings' score indicates a high volume of affiliate sales referrals.

URL: https://www.libertymutual.com/affiliate-program

Commission:  Up to $10 per lead

Cookie duration: 120 days

Gerber Life Insurance Affiliate Program

Gerber began in 1927 as an infant food manufacturer. In the 1960s, they expanded to make baby bottles and toys, and in 1967, the Gerber Life Insurance Company was founded.

Since then, they've offered families life insurance products for adults and children and college tuition savings plans. As a result, there is an opportunity to promote this product to various audiences.

This insurance affiliate program claims to have a very high conversion rate, which makes sense given its well-known brand. Regarding revenue, affiliates receive a base commission rate of $25 per referral.

This tells me that if you send a lot of qualified traffic their way, there's a chance for a higher payout per sale.

URL: https://www.gerberlife.com/

Commission:  $25 per sale

Cookie Duration: 24 hours

Lemonade Affiliate Program

Lemonade appears to be a one-of-a-kind insurance company with a social conscience.

It pays up to 30% of claims in seconds rather than the weeks you've come to expect from unusual insurance companies. Instead of exorbitant premiums, your visitors pay a monthly flat fee, starting as low as €2 for content insurance. To more recurring affiliate programs, check recurring commission affiliate programs.

They take a small percentage of that, the rest is used to insure your belongings, and anything is left donated to worthy causes. As a result, this is one of the most distinctive insurance affiliate programs in this roundup.

Awin manages Lemonade.com's affiliate program, so you'll need an account to promote this affiliate offer.

Aside from that, you'll receive $25.50 for each referral you send their way, and there are no campaign limits. This is good news because some insurance affiliate programs have monthly earnings caps.

So that's a minor point worth mentioning.

URL: https://www.lemonade.com/partners-program

Commission:  $25.50 per sale

Cookie duration: 30 days

Allianz Worldwide Care Affiliate Program

Allianz Worldwide Care offers health insurance, focusing on ex-pats, digital nomads, and students studying abroad.

As a result, it is somewhat of a niche offering, which may turn off some affiliates. However, as the world's workforce becomes more decentralized, you may find a larger audience for their products than you think.

This is where a hybrid health insurance/travel insurance product, for example, could come in handy.

Allianz's product diversification is based on the premise that economies and markets can change overnight. And this could include a shift in our perception of the "workforce" soon.

An Allianz insurance affiliate will pay you €25 for a credit card application. However, you can also earn €10 for each genuine referral who requests a call-back from one of their insurance sales representatives.

URL: https://signup.cj.com/member/signup/publisher/#/

Commission:  Up to €25 per lead

Cookie duration: 15 days

Bestow Affiliate Program

Bestow is a fintech life insurance company founded in the United States in 2016. They simplify the process of obtaining life insurance by eliminating invasive medical exams.

Bestow insurance policies range in coverage from $50,000 to $1.5 million, have terms ranging from 10 to 30 years, and are available to people aged 18 to 60. In 2021, the company acquired Centurion Life Insurance, indicating that it intends to expand.

The company has also invested significantly in user experience, slick design, and an easy-to-use website.

Bestow affiliates can earn a flat commission of up to $40 per lead. It targets new parents, newlyweds, homeowners, and small business owners.

Consider Bestow if you have a US audience interested in hassle-free life insurance.

URL: https://www.bestow.com/affiliates/

Commission:  $40 per lead

Cookie duration: 30 days

Allstate Affiliate Program

Allstate is a well-known American insurance company that has been in business since the 1930s. You might remember them from their iconic infomercials on cable TV in the 2000s. Allstate's insurance products range from home to business to vehicle to life and identity protection.

Depending on the program, the Allstate affiliate program pays $6 to $28 per lead. This program's cookie duration of only five days is a potential disadvantage.

On the plus side, Allstate is a well-known brand among many Americans. They've built a strong brand, which can help new customers trust their products. As an affiliate, this brand credibility can be highly beneficial in converting sales.

URL: https://www.allstatecorporation.com/procurement/affiliates.aspx

Commission:  Varies on sale

Cookie duration: 5 days

USAA Affiliate Program

USAA Insurance was founded in 1922 by army officers and continues to serve the military community exclusively. Banking, investing, retirement, and insurance advice are services they provide.

USAA Insurance also has a sizable social media following of over 1.3 million users across multiple platforms, which affiliate marketers can leverage to convert sales.

The brand has also made astute content marketing moves, including a recent media campaign with celebrity footballer Gronk.

This insurance affiliate program is hosted by CJ Affiliate and pays $1 to $36 per lead within a 30-day cookie period.

This insurance affiliate program is an obvious choice if you have a target audience connected to the American military community.

URL: https://www.flexoffers.com/affiliate-programs/usaa-affiliate-program/

Commission:  $36 Elig Quote Lead

Cookie duration: 30 days

Insurify Affiliate Program

Insurify is an insurance company that uses artificial intelligence technology to make insurance purchasing easier. Insurify offers curated quotes from various providers, allowing you to select the plan that best meets your needs.

One thing to remember is that the Insurify program does not permit specific marketing channels. So, before working with them, read the fine print to ensure you comply.

With payouts ranging from $10 to $15 per lead, this is one of the highest-paying insurance affiliate programs on this list.

Insurify received $100 million in series B financing in 2021, so affiliates should keep an eye out for new partnership opportunities with the brand as it grows.

URL: https://insurify.com/blog/affiliate/

Commission:  $10 per lead

Cookie duration: 30 days

Chubb Affiliate Program

Chubb is a property and casualty insurance company headquartered in the United States with a global presence. They ensure commercial portfolios for large corporations and high net worth individuals, among other clients.

The Chubb affiliate program pays a 5% commission with a seven-day cookie window. The company has locations in 54 countries, so if you have a global audience, this could be a selling point for you.

Their website advertises that they insure sailboats and cargo ships for business and pleasure. This insurance affiliate program could be a good fit if you have a business owner or high net worth audience.

URL: https://www.chubb.com/ca-en/business-insurance/partnership-programs.html

Commission: 5%

Cookie duration: 7 days

The Bottomline

With nearly half of Americans lacking life insurance and another 50 million under-insured, there are plenty of opportunities for advancement.

These providers have already made it easier by requiring no medical exams and having simple online application processes. If you believe that life insurance can help your audience and their loved ones during their most difficult times, you should begin promoting it.