What are the best life insurance affiliate programs? (Best in 2022)

Working with the best insurance company as an affiliate is one of the best things that can ever happen to you as a marketer. But Sometimes, it can be difficult finding the right insurance company. This is why we decided to write on Life Insurance Affiliate Programs you can make money from.

We all know that life insurance coverage is designed to provide financial protection to the beneficiaries of an insured person in case of death. With this coverage, the benefits will allow the family of the deceased to have access to the right funding that will cover the cost of the ongoing living expenses, mortgage, unpaid debts, and other expenses.

For you to be searching for the Best Life Insurance  Affiliate Program, I want to assume you’re a blogger, influencer, or someone who has experience with how affiliate marketing works. Just in case you don’t know what Affiliate marketing is, let me explain.

In a layman’s explanation, affiliate marketing simply means selling other people’s products and earning a commission.

But in the case of the life Insurance affiliate program, you are not actually selling a product, but service by generating leads to the insurance company while they reward you for any lead or sales.

Hope you get the point now? In a general sense, you’ll need an established platform to promote your offers in other to generate leads.

As an affiliate, you can earn a commission ranging from $24-$60 for generating a valid lead. In some other cases, you can earn from $120 and above for any sales depending on how much the insurance company is willing to pay for lead or sales.

In this article, I’ll try to cover everything you need to know about The Best Life Insurance Affiliate programs that are paying very high for both leads and sales.

But before I dive straight into these Insurance companies, let us look at some important this regarding insurance and life insurance affiliate programs.

Why You Need To Consider Promoting (Life Insurance Affiliate Program).

Besides the money you could actually make from promoting this line of business, there is also the self-fulfillment one gets when you know that you’re actually directing people to the right service.

Best on my research, I discovered that the consumers’ knowledge and attitude toward life insurance have left nearly half of Americans uninsured. And chances are 70% of Americans are very likely to struggle financially if a breadwinner of their family died.

When you promote these life insurance programs, you’re actually helping a lot of families and friends around you or even in America at large depending on your marketing strategy to have a better understanding of the importance of life insurance and how they can actually insure their families against the worst-case scenarios.

Statistics have proven that about 50 million American households are underinsured. This is a result of people having the notion that insurance is too complicated which is one of the reasons they refrain from seeking advice on insurance-related topics.

According to The Insurance Marketer. Only 59% of Americans have life insurance. When you look at these statistics, you’ll discover that half of the citizens of America leave their debts and expenses to their loved ones when they pass away. This is one of the reasons that you need to advocate for life insurance as a digital market promoting life insurance offers. A lot of people are actually lacking the basic knowledge of life insurance and how it works resulting in fewer numbers of people taking life insurance coverage.

Another thing a lot of Americans face is the inability to choose the right insurance coverage that will suit their needs. About 60% of millennials don’t the kind of life insurance they need to buy or even how much coverage they should get.

This is why half of Americans prefer to skip Life insurance exams. As a lot of Insurance companies begin to realize that the examination is one of the reasons why most Americans avoid life insurance coverage, most of them are now offering life insurance that does not require an individual to pass a medical exam. Anyone can just apply even online without any stress.

From the facts I have mentioned above, you’ll realize that the overall protection gap is unfilled due to the lack of education and understanding about life insurance.

As I have mentioned above at the start of the article, you need to have a platform where you can actually promote all of these insurance programs. All you need is to give out value, be supportive and answer questions by guiding people to the right offer base on their needs. This will allow them to make informed decisions.

I believe you have been eager to know about The Best Life Insurance Affiliate Programs. Don’t worry, just keep reading.

Life insurance affiliate programs
Life insurance affiliate programs

Also Read: What is Property Insurance?

Highest Paying Life Insurance Affiliate Programs

Below is the list of (8) Life Insurance Affiliate Programs that are currently paying higher commissions for leads or sales. some of these companies make use of referral cookies which they store on the browser of your customers. When you refer someone to the company and the person did not buy instantly, when the individual later buys before 30 days, you’ll earn a commission as the referrer.

See the table below for the list of life insurance companies offering affiliate programs and the commissions you can earn for every lead or sale.

AdvertiserCommission per leadCommission per saleCookies duration (days)
True Blue$5-25N/A
Haven Life$247
Table showing list of life insurance companies offering affiliate programs


Commission:  $120 per sale

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HealthIQ is a health insurance company founded by Munjal Shah, the former owner of like.com. Like.com was purchased by Google in 2010. Like.com is a visual search engine that was formerly owned by Munjal Shah until it was sold for a sum of $100 million according to TechCrunch.

The idea of HealthIQ all started in 2010 when the founder fell ill and was diagnosed with a heart problem. Around 2010, he was running when he experienced a sharp pain in his chest. Before he could realize what was happening he was already in the emergency room. 

At the time the incident happened, Munjal Shah was only 37 years old. During this period of his predicament, he underwent a series of examinations using some advanced level tech in the health sector before they could actually tell what was actually wrong with him. Munjal Shah realized that not everyone has access to such a level of health care service. Since then, he dedicated his life to ensuring that his company provides quality health insurance coverage that is accessible to almost everyone.

HealthIQ believes that health-conscious people are paying too much for life insurance, because of this, the company ensures that it remains the only company that offers special rates based on health and active lifestyles/diets like running, cycling, swimming, weightlifting, yoga, vegetarianism, and veganism. A prospect can take their Health IQ Quiz to access his/her health literacy. 

Why Should You Promote HealthIQ?

The company offers you a high commission of up to $120 per sale and they also allow clients to save anywhere from 8%-41% on their premium. They also offer amazing marketing messages that are appealing to health-conscious customers


Commission:  $100 per sale

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Policygenius is an insurance company that started operation in 2014. The company is an insurance marketplace that helps customers find and compare insurance with ease. As an independent insurance broker, the company offers different insurance products such as life insurance, home insurance, auto insurance, and many others.

Policygenius uses cutting-edge technology with the expertise of real licensed agents to help people get the coverage they need to protect their family, property, and finances with confidence.

As at the time of writing this article, the company has sold over $160 billion in coverage from its headquarters in New York City and Durham, North Carolina.

The company also offers a higher payout to affiliates promoting their health insurance offers compared to their other insurance products.

Why Should You Promote Policygenius

Policygenius offers a whopping $100 commission for any sales you generate using your affiliate link. They also offer you a wide range of coverage comparisons across multiple platforms. As an affiliate of Policygenius, whenever you get stuck, you can easily contact their customer support to assist you.


Commission:  $75 per sale

Cookie duration: 60 days

The idea of Ladderlife insurance all started as a result of the loss the CEO experienced. Jamie, the CEO of Ladderlife insurance lost his dad at the age of 11. Since that incident, he realized the importance of life insurance and how it could have saved the life of his dad. With this, Jamie decided to ensure that his company helps families with the right insurance coverage. The company focuses on three major things: Speed, Ease, and affordability.

Ladderlife is an insurance company that offers term insurance from 10-30 years. Customers can apply online using their smartphones or pc to access coverage of up to $8 million without having to write any medical exam.

The company also ensures it provides flexibility to increase/decrease any coverage  (along with the premium) online to meet life changes after inception.

Why Should You Promote Ladderlife

Ladderlife insurance allows clients to apply online without having to pass through any agent or marketer. The company also offers some of the largest policies one can actually find online. One great thing about the ladder insurance company is the flexibility. This allows users to increase or decrease their coverage online.


Commission: $60 per sale

Cookie duration: 30 days

Sproutt is another great insurance company that was founded in 2018. The company is an online life insurance marketplace that uses Ai to access customers’ needs before matching them with a well-established life insurer(s). This AI allows Sproutt to Quality of Life Index (QLI) to access the behavior of the customer and seamlessly offer personalized policies.

Why Should You Promote Sproutt

Spoutt’s major target audience is young and healthy people. The company also ensures that its life agents are always on standby to assist via phone Q&A. Their guaranteed life insurance is unique in targeting people with cancer or other severe health issues


Commission: $50 per lead

Cookie duration: 30 days

Bestow is a life insurance company that was founded in 2016. The company was founded by Johnathan Abelmann- Co-Founder & President – of Bestow Inc.
Bestow provides individual term life insurance policies by serving as the licensed agent and partners with insurers, such as the North American Company for Life and Health Insurance, which issue the policies.
The company also has one of the simplest product offerings out there. They offer term insurance of up to $1.5million coverage without any need for a medical exam. This term ranges from 10 and 20 years.

Why Should You Promote Bestow

The company offers simple products with no medical exam requirement. The company also targets young and healthy customers.

Commission: $50 per lead


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Supermoney is another insurance company in the United State. The company helps customers to compare and shop for financial services and products. The company also ensures that it offers straightforward tools and honest advice in other to help guide customers to find the right life insurance coverage. The company works as a massive comparison platform for finance-related products for individuals and businesses in the area of banking, mortgage, credit cards, loans, investment, insurance, and more.
The company also covers a wide area of insurance ranging from life insurance, auto insurance, home insurance, boater insurance, motorcycle and ATV insurance, umbrella insurance, and many more.

Why Should You Promote SuperMoney

SuperMoney is a comprehensive platform where users can get a lot of information on insurance. It also allows people to compare and read reviews before buying insurance. The users’ recommendations are always available in their own reviews.

True Blue

Commission: $5-$25 per lead

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True Blue Life is an online marketplace that allows users to compare life insurance quotes from over 80 carriers. Various types of policies are available on the platform.

Product offerings include term life insurance, whole-life insurance, guaranteed issued insurance, and so on. Maximum coverage is up to $5 million.

Why Should You Promote True Blue

One-stop solutions for price and coverage comparison with various types of policies are available for different needs.

Haven Life

Commission: $24 per lead

Cookie duration: 7 days

Haven Life was designed specifically for easy online applications.

Their term life policies are available in 10, 15, 20, and 30-year terms, with guaranteed level monthly premiums. Coverage starts from $100,000 to $3 million.

Why Should You Promote have Life

Easy online application and Simple product design (term life only)
Different riders are available to add to policies

Conclusion/ Final Verdict

With the high number of Americans not having insurance, you can capitalize on this and make more money by promoting these offers.
You can choose from any of the insurance companies above and promote their products. If you find this article helpful, don’t forget to share. This will encourage us to write more informative and educative articles like this.

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