Life’s a gamble and one way to give ourselves an upper hand is with insurance affiliate programs. Insurance is a groan-inducing bill few will need to use. Yet, a bill people are thankful for when if the time comes. Insurance is a requirement for most daily operations whether it’s driving a vehicle or operating a business. It protects us in those times of dire, medical and legal needs. One would think it easy to promote insurance programs due to its necessity – that’s half true. Yes, insurance is a given but it remains a tough sell. It’s a multi-billion-dollar industry with equally deep pockets for advertising and marketing. You’re taking on a huge challenge adding high paying insurance offers to your website or blog. But, this is the type of promotion with massive paydays. You’ll soon learn why insurance affiliate programs are among the hottest monetization methods.

What You Need to Know about Being an Insurance Affiliate

Insurance is a boring topic, we’ll give you that, but the amount of money exchanged should more than compensate for your addition of insurance programs on your blog. Remember, most insurance plans are a necessity. Simply introduce options, tout the benefits (and savings), and half the effort is done. There are plenty of avenues to take with the insurance offers, too, including:
  • Home
  • Car
  • Business
  • Travel
  • Life
A legal blog could realistically touch on each of these topics. Niche-specific blogs, like a travel blog, would obviously promote travel insurance (though there are options for car and home). A business blog has a strong position to promote business insurance – it’s all aligned. Most insurance affiliates make money by doing the following:
  1. Writing reviews
  2. Listing FAQs
  3. Comparisons
  4. Rate feeds
Insurance affiliate programs include a wide selection of banners and copy to quickly add promotions to a site. Or, included in a marketing campaign. The better ones have recommendation engines and widgets to let visitors pick and chose plans from within an embedded section of the site. Plans from Allstate, Netquote, Hiscox, Esurance, and others, give affiliates an opportunity to earn a commission for each referral inquiring about auto, motorcycle, renters, and business quotes. Many insurance programs pay handsomely. It’s not uncommon having a referral sign up for multiple offers in one go, either. A referral sent to purchase business insurance may opt for vehicle insurance, too, when factoring their fleet. The value proposition of combining coverage is one of the stronger points when promoting these insurance offers. In all, it’s not an entirely thrilling topic for a blog or marketing campaign but it’s one few get fully involved in its promotion. Meaning, there’s a lot of opportunities for someone to create a magnificent insurance/legal blog.

The Insurance Market: By the Numbers

Insurance is about managing risks. If clients have a mix of smarts, luck, and self-consciousness then they’ll never need the insurance which is a big win for the insurance company. If they go through troubles, then the insurance company pays out. Premiums are adjusted based on factors like age, sex, location, and more. Many are willing to pay extra for fuller coverage (which increases profit margins for the company… and ultimately payouts for affiliates since those customers have high lifetime value). Here’s what the industry looks like on paper:
  • There are more than 5,977 insurance companies within the United States
  • The net premiums of insurance topped $1.1 trillion in 2016
  • 8% of insurance goes to life/health, 47.2% goes to property/casualty
  • About 87% of drivers have vehicle insurance
  • About 95% of homeowners have home owner’s insurance
  • About 91% of people have medical insurance
There are several high-profile insurance brands most consumers have come to know. The difference in their offers isn’t entirely dramatic, though. You’ve noticed this when shopping for plans. Some price differences occur but what most look for is the scope of coverage per premium. Basically, list any type of insurance program and you’ll have good offers and promotions. It’s not uncommon to have people change their insurance providers every couple of years. This tends to happen due to rate increases and switching jobs. The retention rate for insurance companies is high (around 93-95%) but this does give you access to millions making regular switches.

Why You Should Promote Insurance Affiliate Programs and Offers

There are quite a few ways to include insurance offers:
  • Recommendation site/service
  • Embedded quote and policy tools
  • Injecting links and creative into posts
  • Pointing to brands in resource pages
You could dedicate an authority site to promoting insurance or niche down to specific needs. There are options for including promotions with existing posts and pages or tying them in as a follow-up or singular campaign based on user interest. The need for insurance is the selling point. You could talk about benefits and features of a policy. Compare price points and coverage. But, it ultimately boils down to A) do they need it? B) where can they get it, now. If A is answered Yes, then they’re already on the cusp of making a buying decision. Present them offers (B) and they’ll get it started. There’s also the loss that comes with not having coverage. The fact you’re unable to operate a vehicle (legally) on the road without insurance makes it a strong selling point. Life and business insurance for tough and dangerous jobs are a given. Travel insurance is perfect for the cautious types visiting edgy locations. And, renters insurance is a must for the almost certain unexpected moments that come with apartment or homeownership. It’s not an entirely exciting niche market… but it’s profitable. Whether it’s Farmers or Geico, or American Family to Progressive, these are well-recognized brands you shouldn’t have trouble promoting. Conversions may prove difficult as with any affiliate efforts. But, we’re not seeing a lot of competition – this puts you in a great position to make big bucks in this niche.

How to Promote the Highest Paying Insurance Offers and Promotions

Insurance affiliates tend to take two actions:
  • Integrate it with their site and topic
  • Begin niche sites for a targeted industry
A business blog, for example, would have no issue adding promotional offers for business and car insurance to their site. They could talk about its importance and let the visitors consider the offers. The content could include reasons for switching or link deals to incentivize the referrals. The alternative is niche sites targeting topics like:
  • Auto
  • Homeownership
  • Parenting
  • Senior care
  • Travel
  • Apartment rentals
  • Investing
  • Health and wellness
  • Security
  • Legal
The biggies are the health, wellness, security, and legal as these topics are heavily tied to emotion and logic. A health blog, for example, can do their usual content about better lifestyles and have no problems adding health insurance offers since it’s so closely aligned. Promoting the highest paying insurance offers and promotions requires a shift in perspective. Yes, you’re earning money with qualified referrals but the better way to think of it is how you’re helping people secure their future and legacy. It’s about being healthy or covering legal instead of stating “you need this or else!”. When you’re ready:
  1. Research and refine your target audience (ex. Small business owners)
  2. Create helpful content with powerful storytelling (this creates emotional attachment)
  3. Include comparisons and list posts detailing each of the insurance providers
  4. Blog or vlog insurance reviews touching on pricing, how-to, and customer service
  5. Talk heavily about the savings, how to switch, and the value of switching
… and become the expert in the industry. Add a unique spin to the insurance market by making it personal. This contrasts the typical “boring” image of insurance sales. You could share personal stories involving accidents/incidents and how well the insurance company handled the situation. Mix in the usual:
  • Email newsletters
  • Social media presence
  • On-page SEO and backlinks
And you’ve got yourself a well-rounded insurance site/blog that’ll generate interest and inquiry about the promotions and offers.

Protect Your Life and Assets, Grow Your Value and Income

Insurance is a necessity, but challenges remain when promoting insurance affiliate programs offers. The retention rate with the main companies like MetLife, Geico, Allstate, and Prudential is ridiculously high. Yet, every year people swap programs – and many more enter the market. A stellar site with helpful content explaining the options in layman’s terms would be most welcomed. The insurance affiliate compensation is high, and the conversion rates are top-notch. We think you’ll love what you find in our insurance program directory. Look around, apply, and see how you can integrate these offers and promotions into your site (or make something new!).
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Esurance Affiliate Program: Overview Esurance is an exclusively-online insurance company providing auto and home coverage. Their choice in operating through the Web, and with the esurance affiliate program, has allowed them to offer the deepest discounts on insurance plans. Their work has helped them receive exceptional customer reviews and numerous...


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MetroMile Affiliate Program: Overview MetroMile is a unique insurance company providing its clients with insurance paid by the mile. The service is ideal for business travelers and city-dwellers not needing full coverage for their limited time on the road. On average, clients can save up to $500 a year by...

Learn More Affiliate Program: Overview is a one-stop-shop to search and receive insurance quotes from top insurance brands including Progressive, State Farm, Farmers Insurance, Liberty Mutual, and Travelers. This online platform provides quotes for all major insurance types from auto and home to rental, health, and more. The affiliate...

True Blue Life Insurance

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True Blue Life Insurance Affiliate Program: Overview True Blue Life Insurance represents 80+ insurance brands and companies. This allows them to provide an extensive range of insurance quotes without the need for personal information. More than 10,000 customers have already been served through its online platform. The high-rated service has...


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Hiscox Affiliate Program: Overview Hiscox providers tailored business insurance for general liability, professional liability, and errors/omissions coverage. Their service also covers business owner’s policies and workers compensation. Whether clients are in IT, construction, and real estate. Or, consulting, marketing, or the health industry – Hiscox provides it all. Hiscox tailors their...

eHealth Insurance

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eHealth Insurance Affiliate Program: Overview eHealth Insurance is an online marketplace helping users find affordable health insurance plans from providers like Aetna, Humana, Kaiser Permanente, Oscar, and United Health Care. The site uses a simple and quick process to find plans for individuals, family, Medicare, small business, and more. The...

Liberty Mutual

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Liberty Mutual Affiliate Program: Overview Liberty Mutual is one of the most recognized insurance providers in the United States. On the site, visitors can find and manage policies, make claims, get customer service, and find valuable resources to set up and understand insurance coverage. The brand is one of the...


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NetQuote Affiliate Program: Overview NetQuote is a one-stop location to find and compare insurance quotes from several popular insurance brands. These brands include Progressive, State Farm, Liberty Mutual, Esurance, and more. The NetQuote platform uses comparison shopping to provide the best insurance quote in one, simple search. Backing the NetQuote...


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Allstate Affiliate Program: Overview Allstate is one of several major insurance providers in the United States. Their extensive insurance products cover car, house, rental, life, and motorcycle insurance. Allstate insurance and comparable to other major providers like Liberty Mutual, Progressive, and Geico. The Allstate affiliate program uses a pay per...