The insurance industry is one of the most lucrative verticals in affiliate marketing—and it’s only getting bigger. With the global market projected to surpass $7 trillion by 2025, insurance affiliate programs give marketers a chance to tap into massive demand across health, auto, life, and travel insurance.
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Consumers are actively searching for the best policies, and affiliates who can guide that decision stand to earn generous commissions. Whether you’re a content creator, comparison site, or niche publisher, promoting insurance products can unlock high-payout opportunities. In this guide, we break down the best programs to help you get started—and get paid.
Types of Insurance Affiliate Programs
There are many types of insurance affiliate programs, each tied to a specific market need. Here are some of the most popular options available to affiliates:
Life Insurance Affiliate Programs
These programs offer high commissions for leads or sales, as life insurance policies are long-term and high-value. They’re ideal for content targeting financial planning or family protection.
Auto Insurance Affiliate Programs
Car insurance affiliate programs are among the most competitive but also the most searched. Great for websites focused on vehicles, drivers, or savings.
Health Insurance Affiliate Programs
With rising healthcare costs, health insurance affiliate programs see high demand. Best suited for health blogs, medical info sites, or wellness influencers.
Travel Insurance Affiliate Programs
These programs let affiliates promote policies for travelers, often with global appeal. Travel insurance affiliate offers are perfect for travel bloggers and digital nomad communities.
Pet Insurance Affiliate Programs
The growing popularity of pet ownership has led to a rise in pet insurance affiliate programs. These are great for pet blogs, vet websites, or influencers in the pet care space.
List of 20 Highest Paying Insurance Affiliate Programs
If you’re diving into the world of insurance affiliate marketing, this curated list will help you find the highest paying insurance affiliate programs in 2025. Whether you’re promoting auto, life, travel, or pet insurance, these programs offer competitive commissions and cookie durations to help you maximize your affiliate income.
| Program Name | Niche | Commission Rate | Cookie Duration |
| Allstate | Auto / Life / Home | $28 per lead | 5 days |
| Haven Life | Life Insurance | $24 per sale | 7 days |
| AAA Auto Insurance | Auto Insurance | $15 per sale | 45 days |
| Allianz Global Assistance | Travel Insurance | $12 – $25 per sale | 45 days |
| Lemonade | Renters / Pet / Home | $25.50 per sale | 30 days |
| Health IQ | Health Insurance | $150 per sale | 30 days |
| Allianz Worldwide Care | Health / Travel | $10.89 per order | 45 days |
| VSP Individual Vision Plans | Vision Insurance | $6 per qualified lead | Unknown |
| Gerber Life Insurance | Life Insurance | $25 per sale | 1 day |
| USAA | Auto / Home / Life | Unknown | Unknown |
| Insurify | Auto Insurance | $15 per sale | 30 days |
| AARDY Travel Insurance | Travel Insurance | 15% per sale | 45 days |
| PetAssure Pet Plan | Pet Insurance | 20% per sale | 45 days |
| CSOB Pojistovna | Life / Property | 22% per sale | 45 days |
| Progressive Insurance | Auto / Home / Life | $50 per sale | 30 days |
| GeneraliCeska.cz | Life / Health / Home | 20% per sale | 45 days |
| AXA Assistance | Travel Insurance | 15% per sale | 7 days |
| AARP Auto Insurance (The Hartford) | Auto Insurance | $11 per order | 7 days |
| Choice Home Warranty | Home Warranty | $20 per item | Session-based |
| Dentalplans.com | Dental Insurance | $25 per order | 30 days |
20 Best Insurance Affiliate Programs in 2025
Affiliate marketers looking to grow their revenue streams in 2025 should consider partnering with the best insurance affiliate programs on the market. From auto and health to pet and travel insurance, these programs offer competitive commissions, solid conversion rates, and trusted brands your audience will recognize and trust.
1. Allstate Affiliate Program
Allstate is one of the most recognized names in the insurance industry, with over 80 years of experience offering auto, home, renters, and life insurance. Its strong brand identity and digital tools make it an ideal choice for affiliates looking to promote trusted insurance products. This is one of the best insurance affiliate programs for those focused on high-volume lead generation. With a $28 payout per lead and a dynamic five-day cookie window, affiliates can benefit from quick customer actions and trusted branding.
Key Highlights:
• URL: Join Allstate Affiliate Program
• Commission: $28 per lead
• Cookie Duration: 5 days
• High Conversions: Yes (strong brand trust)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
2. Haven Life Affiliate Program
Haven Life is a modern life insurance affiliate marketing program backed by MassMutual. With a focus on term life insurance, Haven Life appeals to a younger, tech-savvy audience through a fully online experience. Affiliates earn $24 per sale and benefit from promoting a trusted and tech-driven platform that simplifies the insurance process, making it one of the best options for affiliate marketing life insurance.
Key Highlights:
• URL: Join Haven Life Affiliate Program
• Commission: $24 per sale
• Cookie Duration: 7 days
• High Conversions: Yes (easy online process)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
3. AAA Auto Insurance Affiliate Program
AAA is a well-known name in the car insurance affiliate program space. Offering reliable auto coverage and excellent customer service, this program allows affiliates to earn $15 per sale with a generous 45-day cookie window. Given AAA’s established trust and value in affiliate car insurance, this is a solid addition to your portfolio.
Key Highlights:
• URL: Join AAA Affiliate Program
• Commission: $15 per sale
• Cookie Duration: 45 days
• High Conversions: Yes (high brand credibility)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
4. Allianz Global Assistance Affiliate Program
Perfect for those in the travel niche, Allianz offers one of the top travel insurance affiliate programs. Affiliates earn between $12 and $25 per sale and enjoy a 45-day cookie window. With coverage options like trip cancellation, medical emergencies, and lost baggage, this program fits naturally with content targeting frequent travelers and vacation planners.
Key Highlights:
• URL: Join Allianz Global Assistance
• Commission: $12 – $25 per sale
• Cookie Duration: 45 days
• High Conversions: Yes (travel-related urgency)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
5. Lemonade Affiliate Program
Lemonade offers renters, homeowners, and pet insurance through an innovative tech-powered platform. Known for its user-friendly app and social-good business model, Lemonade provides affiliates with $25.50 per sale and a 30-day cookie duration. It’s ideal for affiliates targeting younger audiences and those seeking pet insurance affiliate programs or modern home insurance options.
Key Highlights:
• URL: Join Lemonade Affiliate Program
• Commission: $25.50 per sale
• Cookie Duration: 30 days
• High Conversions: Yes (mobile-first, fast sign-up)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
6. Health IQ Affiliate Program
Health IQ specializes in health insurance for people with healthy lifestyles. This niche health insurance affiliate program offers an impressive $150 per sale with a 30-day cookie window. If your audience is into fitness, wellness, or health optimization, this could be one of the highest paying insurance affiliate programs to promote.
Key Highlights:
• URL: Join Health IQ Affiliate Program
• Commission: $150 per sale
• Cookie Duration: 30 days
• High Conversions: Yes (niche-focused, value-driven)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Payout threshold $50
7. Allianz Worldwide Care Affiliate Program
Targeting expats and global citizens, Allianz Worldwide Care offers comprehensive health and travel coverage. As part of one of the biggest insurance companies affiliate programs globally, this program gives $10.89 per order and a 45-day cookie window. A good fit for travel or relocation blogs, especially those appealing to international audiences.
Key Highlights:
• URL: Join Allianz Worldwide Care
• Commission: $10.89 per order
• Cookie Duration: 45 days
• High Conversions: Yes (reputable brand, global appeal)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
8. VSP Individual Vision Plans Affiliate Program
VSP focuses on affordable vision insurance, including eye exams, glasses, and contacts. With $6 per qualified lead, this program suits affiliates in the health insurance affiliate program space or blogs focused on family health and wellness. Though cookie duration is unknown, VSP’s trusted name in vision care can support steady lead flow.
Key Highlights:
• URL: Join VSP Affiliate Program
• Commission: $6 per qualified lead
• Cookie Duration: Unknown
• High Conversions: Yes (strong demand for affordable eye care)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
9. Gerber Life Insurance Affiliate Program
Gerber Life offers trusted and affordable life insurance plans for families, including children’s and term life policies. With $25 per sale and a 1-day cookie, it’s ideal for fast-action leads. This life insurance affiliate program is great for affiliates focusing on family finance or parenting niches.
Key Highlights:
• URL: Join Gerber Life Insurance Program
• Commission: $25 per sale
• Cookie Duration: 1 day
• High Conversions: Yes (essential product, family-focused)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
10. USAA Affiliate Program
USAA provides a full suite of financial and insurance products tailored to military families. Their auto, home, and life insurance offerings make them one of the most specialized affiliate car insurance and life insurance affiliate programs. While commission and cookie duration are unknown, USAA’s loyal user base and high-value products make it a promising partner for the right niche.
Key Highlights:
• URL: Join USAA Affiliate Program
• Commission: Unknown
• Cookie Duration: Unknown
• High Conversions: Yes (military niche, strong brand trust)
• Recurring Revenue: Not specified
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
11. Insurify Affiliate Program
Insurify is one of the rising stars among auto insurance affiliate programs. It allows users to compare quotes from top providers in minutes, making the buying process simple and transparent. Designed for tech-savvy consumers, Insurify’s platform delivers a smooth, fast, and personalized experience. With a $15 commission per sale and a 30-day cookie, affiliates can earn consistent revenue from users looking for hassle-free car insurance. It’s an excellent opportunity in the world of insurance affiliate marketing programs.
Key Highlights:
• URL: Join Insurify Affiliate Program
• Commission: $15 per sale
• Cookie Duration: 30 days
• High Conversions: Yes (instant quotes, ease of use)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Payout threshold $50
12. AARDY Travel Insurance Affiliate Program
AARDY is a top player in the travel insurance affiliate space, offering plan comparisons from leading providers. With a high commission rate of 15% per sale and a 45-day cookie window, it’s perfect for travel bloggers or influencers. Customers love AARDY for its one-stop platform that helps them find the best travel coverage for cancellations, medical needs, and more. For affiliates, this is one of the best insurance affiliate programs when targeting frequent travelers.
Key Highlights:
• URL: Join AARDY Affiliate Program
• Commission: 15% per sale
• Cookie Duration: 45 days
• High Conversions: Yes (comparison model)
• Recurring Revenue: No
• Promotional Resources: Yes (via FlexOffers)
• Flexible Payout Options: Payout threshold $50
13. PetAssure Pet Plan Affiliate Program
PetAssure offers an alternative to traditional pet insurance affiliate programs with its veterinary discount plan. Members get 25% off in-clinic services, making it ideal for pet owners looking to cut down on routine healthcare expenses. Affiliates earn 20% commission per sale with a generous 45-day cookie duration. If your audience includes pet lovers, this affiliate program is both valuable and rewarding.
Key Highlights:
• URL: Join PetAssure Affiliate Program
• Commission: 20% per sale
• Cookie Duration: 45 days
• High Conversions: Yes (budget-friendly, pet niche)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Payout threshold $50
14. CSOB Pojistovna Affiliate Program
CSOB Pojistovna is a leading Czech insurance provider offering life, health, and property insurance. With a generous 22% commission rate per sale and a 45-day cookie window, this is one of the highest paying insurance affiliate programs in the region. It’s especially attractive for affiliates in Europe targeting audiences looking for comprehensive, trustworthy insurance options.
Key Highlights:
• URL: Join CSOB Pojistovna Program
• Commission: 22% per sale
• Cookie Duration: 45 days
• High Conversions: Yes (regional trust)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
15. Progressive Insurance Affiliate Program
Progressive Insurance is one of the leading providers in the insurance industry, offering a wide range of coverage options including auto, home, and life insurance. Known for its innovative approach and strong customer service, Progressive provides affiliates with an excellent opportunity to promote reliable insurance products. With a $50 commission per sale and a 30-day cookie duration, this program is ideal for affiliates who want to leverage Progressive’s reputation to drive conversions in the competitive insurance market.
Key Highlights:
• URL: Join Progressive Insurance Affiliate Program
• Commission: $50 per sale
• Cookie Duration: 30 days
• High Conversions: Yes (trusted brand and wide coverage options)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
16. GeneraliCeska.cz Affiliate Program
GeneraliCeska.cz is a powerhouse in the Czech Republic, offering life, health, and home insurance. Their affiliate program offers 20% per sale and a 45-day cookie duration, making it a lucrative opportunity in the insurance leads affiliate programs category. With a strong reputation and a range of products, affiliates can promote trusted services while earning significant commissions.
Key Highlights:
• URL: Join GeneraliCeska.cz Program
• Commission: 20% per sale
• Cookie Duration: 45 days
• High Conversions: Yes (trusted brand, variety of products)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
17. AXA Assistance Affiliate Program
AXA Assistance is a globally recognized brand in travel insurance. Backed by AXA Group, it provides comprehensive coverage including trip cancellation, emergency medical, and more. Affiliates can earn a 15% commission per sale. With a 7-day cookie duration, it’s ideal for those targeting an audience ready to purchase travel coverage now. A great pick among travel insurance affiliate programs.
Key Highlights:
• URL: Join AXA Assistance Program
• Commission: 15% per sale
• Cookie Duration: 7 days
• High Conversions: Yes (global brand, trusted coverage)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
18. AARP Auto Insurance Program from The Hartford
This program is tailored to customers aged 50 and older, offering auto insurance through The Hartford. With a commission of $11 per order and a 7-day cookie, this program targets a high-intent demographic. Ideal for affiliates with audiences focused on retirement, personal finance, or senior lifestyle, it stands out among car insurance affiliate program options.
Key Highlights:
• URL: Join AARP Auto Insurance Program
• Commission: $11 per order
• Cookie Duration: 7 days
• High Conversions: Yes (age-targeted, trusted brands)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Not specified
19. Choice Home Warranty Affiliate Program
Choice Home Warranty offers plans that cover essential home systems and appliances. Affiliates earn $20 per item with a session-based cookie duration. It’s a strong fit for bloggers or content creators in the home, DIY, or real estate space. While the session-based cookie is limiting, the payout and demand for home warranty services help balance the opportunity.
Key Highlights:
• URL: Join Choice Home Warranty Program
• Commission: $20 per item
• Cookie Duration: Session-based
• High Conversions: Yes (urgent home repair needs)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Payout threshold $50
20. Dentalplans.com Affiliate Program
Dentalplans.com is a top option in health insurance affiliate programs focused on dental savings. Affiliates earn $25 per order with a 30-day cookie window. Plans cater to individuals, families, and seniors, making this a flexible offer for a wide audience. With dental care being an essential service, this program allows affiliates to promote valuable plans while earning consistent commissions.
Key Highlights:
• URL: Join Dentalplans.com Affiliate Program
• Commission: $25 per order
• Cookie Duration: 30 days
• High Conversions: Yes (essential need, broad audience)
• Recurring Revenue: No
• Promotional Resources: Not specified
• Flexible Payout Options: Payout threshold $50
Pros and Cons of Insurance Affiliate Marketing Programs
Before diving into the world of insurance affiliate programs, it’s important to understand the advantages and potential drawbacks. Here’s a quick breakdown to help you make an informed decision.
✅ Pros:
- High Payouts
Insurance affiliate marketing programs often offer generous commissions—some reaching up to $150 per sale. - Evergreen Niche
Insurance is a necessity, not a trend. That means a constant demand for products like auto, life, and health insurance. - Trusted Brands
Many insurance affiliate programs come from well-known companies, which builds trust and boosts conversion rates. - Diverse Sub-Niches
You can target specific audiences with pet insurance, travel coverage, or senior-focused plans, increasing personalization and ROI. - Recurring Income Potential
Some programs offer renewal or recurring commissions when policies are renewed by referred customers.
❌ Cons:
- Long Conversion Cycles
Insurance purchases take time. Visitors may compare multiple options before committing. - High Competition
Due to high commissions, the insurance niche is highly competitive—especially in SEO and paid traffic. - Strict Compliance Rules
Many programs require affiliates to follow specific advertising guidelines, especially around financial claims. - Short Cookie Durations (in some cases)
While some offer up to 45 days, others—like Gerber Life—only offer 1-day cookies. - Regulatory Sensitivity
Insurance is a regulated industry, and affiliates must ensure their content is compliant with local laws.
5 Best Car Insurance Affiliate Programs
Car insurance affiliate programs are a great way to monetize content focused on drivers, vehicle safety, or personal finance. These programs often offer solid commissions and promote well-known brands that convert well due to their trust and popularity.
| Affiliate Name | Commission Rate | Cookie Duration | Payment Methods |
| Allstate | $28 per lead | 5 days | Not specified |
| AAA Auto Insurance | $15 per sale | 45 days | Not specified |
| Insurify | $15 per sale | 30 days | Payout threshold: $50 |
| AARP Auto (The Hartford) | $11 per order | 7 days | Via The Hartford Network |
| EverQuote | Up to $70 per lead | 30 days | Direct Deposit, PayPal |
5 Best Pet Insurance Affiliate Programs
Pet insurance affiliate programs are ideal for bloggers, influencers, and content creators in the pet care niche. These programs offer generous commissions and cater to a growing audience of pet owners seeking affordable and reliable healthcare for their furry friends.
| Affiliate Name | Commission Rate | Cookie Duration | Payment Methods |
| Lemonade | $25.50 per sale | 30 days | Not specified |
| PetAssure | 20% per sale | 45 days | Payout threshold: $50 |
| Embrace Pet Insurance | $25–$35 per lead | 30 days | Direct Deposit, Check |
| Pumpkin Pet Insurance | Up to $25 per sale | 30 days | PayPal, ACH |
| Fetch by The Dodo | $35 per lead | 30 days | PayPal, Direct Deposit |
5 Best Highest Paying Life Insurance Affiliate Programs
If you’re targeting finance, family planning, or personal development audiences, life insurance affiliate programs offer high commissions and long-term value. These are some of the highest paying affiliate programs in the insurance space, ideal for marketers looking for big-ticket earnings.
| Affiliate Name | Commission Rate | Cookie Duration | Payment Methods |
| Health IQ | $150 per sale | 30 days | Payout threshold: $50 |
| Haven Life | $24 per sale | 7 days | Not specified |
| Gerber Life Insurance | $25 per sale | 1 day | Not specified |
| Ladder Life | Up to $100 per lead | 90 days | PayPal, ACH, Wire Transfer |
| Sproutt | $70 per lead | 30 days | PayPal, Direct Deposit |
Best Highest Paying Health Insurance Affiliate Programs
Health insurance affiliate programs are perfect for websites focused on wellness, fitness, finance, or family health. With high commissions and strong consumer demand, these programs are among the most profitable in the insurance affiliate marketing space.
| Affiliate Name | Commission Rate | Cookie Duration | Payment Methods |
| Health IQ | $150 per sale | 30 days | Payout threshold: $50 |
| Allianz Worldwide Care | $10.89 per order | 45 days | Not specified |
| Sidecar Health | $100 per lead | 30 days | PayPal, ACH |
| eHealthInsurance | Up to $120 per sale | 60 days | PayPal, Check |
| Pivot Health | $100+ per lead | 30 days | Direct Deposit, PayPal |
Best Travel Insurance Affiliate Programs
Travel insurance affiliate programs are ideal for bloggers, influencers, and marketers in the travel, lifestyle, and digital nomad niches. These programs offer solid commissions and appeal to audiences seeking peace of mind while exploring the world.
| Affiliate Name | Commission Rate | Cookie Duration | Payment Methods |
| Allianz Global Assistance | $12–$25 per sale | 45 days | Not specified |
| AARDY Travel Insurance | 15% per sale | 45 days | Payout threshold: $50 |
| AXA Assistance | 15% per sale | 7 days | Not specified |
| SafetyWing | Up to $250 per customer | 365 days | PayPal, Wise, Bank Transfer |
| VisitorsCoverage | 10–20% per sale | 30 days | PayPal, Bank Transfer |
How to Choose the Best Insurance Affiliate Program
Finding the right insurance affiliate program is key to success in this vertical. Here’s what to look for:
- Commission Rates – Aim for the highest paying insurance affiliate program options.
- Niche Relevance – Choose from life, auto, travel, or pet insurance affiliate programs.
- Cookie Duration – Longer cookies give you more time to earn.
- Conversion Rates – Check program stats to find top-performing offers.
- Support & Resources – Choose networks that offer tools, creatives, and tracking.
Challenges in Insurance Affiliate Marketing
Insurance affiliate marketing comes with its own set of hurdles. Here are a few common ones:
- High Competition – Niches like affiliate car insurance are saturated.
- Strict Compliance – Programs may have heavy legal and branding restrictions.
- Lead Quality Requirements – Many insurance leads affiliate programs only pay for qualified conversions.
- Long Sales Cycle – Users often take time to make a decision.
- Limited Access – Some programs, like the GEICO affiliate program, are invite-only.
Conclusion
Whether you’re focused on a car insurance affiliate program, pet insurance affiliate, or health insurance affiliate program, the potential earnings are significant. Join Olavivo and tap into some of the best insurance affiliate programs today. Our network gives you access to top brands, high commissions, and real-time support to grow your affiliate business.
Frequently Asked Questions (FAQs)
Top picks include GEICO, Liberty Mutual, HealthIQ, and others offering strong commissions and trusted brand recognition.
Yes, many affiliates promote life, health, auto, and travel insurance affiliate programs to diversify income.
Earnings vary, but insurance affiliate programs often pay $20 to $100+ per qualified lead.
Absolutely. Many providers offer pet insurance affiliate programs with competitive payouts.
It can be, but due to competition and compliance, it’s best suited for affiliates with some experience in regulated niches.
