15 Best Insurance Affiliate Programs In 2025 With High Commissions

Hey creators and hustlers! If you want to earn from your blog, website, or social media, insurance affiliate programs are a smart way to do it.

I’ve been in affiliate marketing for years, and insurance is one of the best niches people always need coverage for their home, car, health, or travel. It’s steady and pays well when done right.

In this post, I’ll share the 15 best insurance affiliate programs for 2025. I picked them based on payout, cookie length, and how they fit different types of content.

Whether you focus on travel, finance, or business, there’s a program here for you. Let’s get in.

What Are Insurance Affiliate Programs?

Insurance affiliate programs let you earn money by promoting insurance products through your own content. You get a special link, and when someone uses it to buy a policy, get a quote, or visit the insurer’s site, you earn a commission.

It’s a way to help your audience find trusted insurance while you get paid for your effort. These programs stand out because insurance is something everyone needs, whether they’re a homeowner, traveler, or remote worker.

The niche is competitive, but the commissions can be high if you reach the right people. Many programs also give you tools like banners, links, and support to help you succeed.

The key is choosing the right programs, ones that match your niche, offer good payouts, and have a fair cookie duration (how long you still get credit after someone clicks your link).

Now, let’s look at the top 10 insurance affiliate programs for 2025. Each comes with its link, commission rate, cookie length, and main features to help you choose the best fit.

15 Best Insurance Affiliate Programs in 2025

1. Lemonade Affiliate Program

Lemonade is reshaping the insurance industry through a digital-first approach and a mission built around transparency and social impact.

It offers coverage for renters, homeowners, pet owners, and individuals seeking life insurance, all managed through a modern, app-based platform that simplifies the entire process from quote to claim.

One of its standout features is the Giveback program, where unclaimed premiums are donated to nonprofit organizations selected by policyholders, creating a sense of purpose beyond profit.

This unique model makes Lemonade especially attractive to creators whose audiences care about social responsibility and modern convenience.

• Commission Rate: $25.50 per sale
• Cookie Duration: 30 days

Key Features

• Covers renters, homeowners, pets, and life insurance through a fully digital process
• Appeals to socially aware and tech-savvy audiences, especially millennials and Gen Z
• Offers branded banners, custom content, and promotional assets for affiliates
• Consistently high ratings on the App Store (4.9 stars) from thousands of users
• Strong fit for content focused on personal finance, minimalism, lifestyle, or pet care
• Backed by advanced AI and a simple user experience for fast policy setup

2. USAA Affiliate Program

USAA is a trusted insurance and financial services provider created specifically for military members, veterans, and their families.

With a history dating back to 1922, USAA has built a strong reputation by offering reliable service and comprehensive coverage options.

Its insurance products include auto, renters, homeowners, and life insurance, along with banking and investment services.

The affiliate program is well-suited for content creators who speak to a military or veteran audience, as it connects with a highly loyal and values-driven community.

USAA’s long-standing reputation and commitment to serving those who serve make it a standout choice for affiliates in this space.

• Commission Rate: Up to $25 per lead
• Cookie Duration: 30 days

Key Features:

• Serves active duty military, veterans, and eligible family members
• Offers broad insurance coverage, including auto, home, renters, and life
• Maintains high conversion rates due to strong brand trust
• Provides affiliates with marketing assets through CJ Affiliate
• Ideal for content creators focused on military life, financial planning, or veteran support
• Recognized for its customer satisfaction and loyalty within the military community

3. Liberty Mutual Affiliate Program

Liberty Mutual is a major player in the insurance industry and ranks among the largest providers in the United States.

With a position at #78 on the Fortune 100 list, the company has built a reputation for offering reliable and widely accessible coverage options.

Its insurance products include auto, home, and renters policies, making it a versatile option for a broad consumer base.

The affiliate program is designed for U.S.-based marketers and comes with solid support, creative tools, and regular promotions to help drive performance.

Liberty Mutual’s well-established brand presence gives affiliates an edge when promoting to audiences who value trust and name recognition.

• Commission Rate: $3–$10 per lead (based on product type)
• Cookie Duration: 30 days

Key Features:

• Known for strong brand recognition and long-standing industry presence
• Offers auto, home, and renters insurance tailored to U.S. consumers
• Provides affiliates with high-quality banners, text links, and tracking tools
• Runs seasonal promotions to help increase engagement and conversions
• Fits well with personal finance, homeownership, or insurance comparison content
• Backed by a large network and a solid customer service reputation

4. Allianz Care Affiliate Program

Allianz Care provides international health insurance plans built for expats, global workers, and long-term travelers.
It focuses on offering medical coverage that meets the needs of people living or working outside their home country.

The affiliate program is designed to support creators who speak to mobile professionals, international audiences, or high-income individuals.

Unlike many insurance programs, Allianz Care rewards affiliates for actions beyond purchases such as quote requests or callback inquiries making it easier to earn from interested leads.

With strong global brand recognition and quality support tools, it stands out in the international insurance space.

• Commission Rate: €10 per lead, €10–€45 per completed application
• Cookie Duration: 45 days

Key Features:

• Offers international health insurance for expats, students, and mobile workers
• Pays for non-sale actions, including inquiries and quote requests
• Provides multilingual banners and real-time tracking tools for global reach
• Holds a high rating on Feefo and other review platforms
• Ideal for content focused on travel, relocation, or international careers
• Backed by Allianz Group, one of the most trusted names in insurance

5. Ethos Affiliate Program

Ethos is modernizing life insurance by eliminating the need for medical exams and making the entire process quick and fully digital.

It offers straightforward and affordable life insurance policies designed for families and individuals who want coverage without the traditional hurdles.

With plans starting at only $7 per month, Ethos has become a popular choice for younger households and budget-conscious consumers.

The affiliate program is a strong match for finance writers, family-focused creators, and bloggers who emphasize simplicity and accessibility in financial planning.

Its partnerships with established carriers like Ameritas and Mutual of Omaha provide additional trust and credibility.

• Commission Rate: $20–$55 per lead
• Cookie Duration: 7 days

Key Features:

• Offers life insurance through an easy online application process
• Affordable policies beginning at $7 per month
• Supported by trusted insurance providers Ameritas and Mutual of Omaha
• Affiliates gain access to content, marketing resources, and case studies
• Best fit for family, personal finance, and life planning content creators
• Appeals to modern consumers looking for convenience and affordability

6. World Nomads Affiliate Program

World Nomads is a leading travel insurance provider designed for explorers, digital nomads, and adventure seekers.

It stands out by offering coverage for more than 150 different activities, including high-risk sports such as skiing, scuba diving, and trekking.

With a strong global presence, World Nomads is a trusted choice for travelers who want flexible protection on the go.

The affiliate program is highly valued in the travel community thanks to its generous commission structure, long cookie duration, and supportive marketing tools.

In addition, the brand contributes to global charities, making it appealing to audiences that care about travel with purpose.

• Commission Rate: Up to 15% per sale
• Cookie Duration: 60 days

Key Features:

• Provides insurance for over 150 activities, including adventure and extreme sports
• Supplies co-branded campaigns, banners, and affiliate tools
• Donates part of its revenue to community and global causes
• Works especially well for travel blogs, adventure content, or digital nomad audiences
• Recognized for flexible plans and worldwide coverage options

7. Hiscox Affiliate Program

Hiscox is a specialist insurer that focuses on small businesses, entrepreneurs, and professionals.

It provides tailored coverage options, including niche products such as cyber liability and professional indemnity, making it especially relevant for the modern business environment.

The affiliate program is designed to support B2B creators by offering competitive commissions and resources that help drive strong conversions.

With a reported quote conversion rate of up to 30%, affiliates working with Hiscox can benefit from an established brand that serves a loyal customer base.

Its combination of specialized products and dedicated affiliate support makes it a standout option for business-focused creators.

• Commission Rate: $25 per completed quote
• Cookie Duration: 7 days

Key Features:

• Provides insurance tailored to small businesses and professionals in niche fields
• Delivers strong conversion rates, with up to 30% on completed quotes
• Offers affiliates banners, links, and additional incentives
• Well-suited for business, startup, or technology-related content
• Backed by a strong reputation in the small business insurance market

8. Insurify Affiliate Program

Insurify is a leading insurance comparison platform that helps users quickly find policies from top providers.

It uses artificial intelligence to analyze customer needs and deliver personalized quotes, ensuring people can secure the best coverage at the right price.

The platform covers multiple categories, including auto, home, and life insurance, giving it broad appeal across different audiences.

The affiliate program is built to support performance with high-converting landing pages, creative assets, and real-time tracking tools.

With over $44 million saved by its users, Insurify has built strong credibility, making it an attractive choice for finance-focused creators and insurance-related blogs.

• Commission Rate: $15 per sale
• Cookie Duration: 30 days

Key Features:

• Compares quotes across auto, home, and life insurance providers
• Provides affiliates with ready-to-use landing pages and creatives
• Over $44 million saved collectively by platform users
• Best suited for personal finance, comparison, or insurance deal content
• Strong conversion support through AI-driven matching and user-friendly tools

9. AXA Assistance Affiliate Program

AXA Assistance is a trusted global provider of travel insurance and emergency medical support.

It delivers protection for travelers facing unexpected health issues, trip delays, or other emergencies while abroad.
With operations in more than 30 countries, AXA Assistance has a wide international footprint, making it a reliable choice for audiences planning trips across borders.

The affiliate program offers strong earning potential and provides affiliates with banners, widgets, and pricing tools to help attract conversions.

It is particularly effective for creators who focus on travel planning, relocation content, or international living.

• Commission Rate: Up to $25 per sale
• Cookie Duration: 45 days

Key Features:

• Provides travel insurance with coverage for medical and trip-related issues
• Operates in more than 30 countries worldwide
• Supplies affiliates with creatives, banners, and price display tools
• Strong fit for blogs and content aimed at travelers or global citizens
• Backed by AXA Group, a globally recognized insurer

10. SafetyWing Affiliate Program

SafetyWing is a growing provider of travel and health insurance created for remote workers, freelancers, and digital nomads.

Founded in 2017, it has quickly gained recognition for its flexible, subscription-style plans that adapt to the needs of long-term travelers and location-independent professionals.

Its policies include both emergency medical protection and travel coverage, offering peace of mind for people living outside traditional systems.

SafetyWing’s affiliate program rewards creators who connect with audiences in the remote work, freelancing, or lifestyle niches.

The company is backed by Tokio Marine, one of the world’s largest and most trusted insurers, adding strength and credibility to its offerings.

• Commission Rate: 10% per sale
• Cookie Duration: 30 days

Key Features:

• Designed for digital nomads, freelancers, and remote professionals
• Provides health and travel insurance with global coverage
• Includes emergency protection and travel-related benefits
• Supported by Tokio Marine, a leading global insurance company
• Works well for travel, lifestyle, and remote work content creators

11. Bestow Affiliate Program

Bestow is a modern life insurance provider that uses technology to make coverage simple, affordable, and fast.

It eliminates medical exams entirely, allowing customers to apply online and get approved instantly for term life insurance.

This approach appeals to young families, professionals, and individuals who want peace of mind without going through traditional, lengthy processes.

For affiliates, Bestow offers reliable commissions, strong support, and marketing kits with branded tools to make promotion easier.

With its positive customer reviews and reputation for transparency, Bestow is a solid choice for content creators in the family, personal finance, or lifestyle niches.

• Commission Rate: $20–$55 per lead
• Cookie Duration: 45 days

Key Features:

• Provides online term life policies with instant approvals
• Appeals to young professionals, families, and budget-conscious audiences
• Offers affiliates marketing resources, landing pages, and branded content
• Backed by a trusted reputation and strong user feedback
• Works best for family, parenting, or financial planning blogs

12. Progressive Affiliate Program

Progressive is one of the largest and most recognized auto insurance providers in the United States. Alongside auto coverage, it also offers home and renters policies, giving affiliates multiple opportunities to reach diverse audiences.

Its long-standing reputation and widespread advertising campaigns make it a household name, which helps drive high conversion rates.

The affiliate program equips marketers with a variety of banners, links, and promotional tools, making it easier to target auto owners or families looking to bundle their coverage.

Progressive’s mix of brand strength, product variety, and support makes it a reliable program for affiliates in the automotive, finance, or lifestyle niches.

• Commission Rate: $10–$20 per lead
• Cookie Duration: 30 days

Key Features:

• Known primarily for auto insurance, with options to bundle renters and home coverage
• Provides affiliates with creative assets, banners, and tracking tools
• Household name with broad brand recognition across the U.S.
• Strong fit for automotive, lifestyle, and finance-related content
• Established trust with millions of customers nationwide

13. Aflac Affiliate Program

Aflac is best known for its supplemental health insurance, designed to cover expenses that traditional medical plans often leave behind.

Its policies provide financial protection during medical events, offering peace of mind for families, employees, and independent workers.

This makes Aflac a strong option for content creators who focus on workplace benefits, personal health, or financial stability.

The affiliate program provides marketing kits, creatives, and tracking tools that allow affiliates to effectively reach their audiences.

With its reputation for quick payouts and customer trust, Aflac stands out as a valuable program in the health insurance space.

• Commission Rate: $15–$30 per lead
• Cookie Duration: 30 days

Key Features:

• Provides supplemental coverage to fill gaps in traditional insurance
• Appeals to employees, freelancers, and HR professionals seeking workplace benefits
• Supplies affiliates with creatives, tracking tools, and promotional support
• Known for dependable payouts and long-standing brand reputation
• Fits health, workplace, or finance-focused blogs and platforms

14. The Hartford Affiliate Program

The Hartford is one of the oldest and most trusted insurance providers, with a history spanning more than 200 years.

It offers auto, home, and business insurance products, making it versatile for both individual and commercial audiences.

The affiliate program is designed to help creators connect with homeowners, entrepreneurs, and small businesses that value reliability and trust.

With strong customer-first values and a broad selection of marketing resources, The Hartford gives affiliates the tools to succeed while promoting a well-established brand.

• Commission Rate: $10–$25 per lead
• Cookie Duration: 45 days

Key Features:

• Offers a wide range of insurance for both individuals and businesses
• Built on over two centuries of trust and industry leadership
• Provides affiliates with proven creatives and marketing support
• Appeals to homeownership, business, and entrepreneurial niches
• Strong choice for content that emphasizes stability and reputation

15. Travelex Insurance Affiliate Program

Travelex is a trusted travel insurance provider with more than 25 years of experience serving global travelers.

It offers a variety of travel protection plans covering trip cancellations, emergencies, and other travel-related risks.

The affiliate program is well-suited for travel bloggers, influencers, or lifestyle creators who speak to audiences planning international trips.

Travelex supports affiliates with banners, text links, and promotional materials, while also maintaining a reputation for responsive claims support and fair pricing.

Its combination of credibility, affordability, and strong global presence makes it a great partner in the travel insurance niche.

• Commission Rate: $12–$25 per sale
• Cookie Duration: 45 days

Key Features:

• Provides comprehensive travel protection for various trip types
• Offers affiliates marketing tools and promotional assets
• Recognized for affordable plans and reliable claims handling
• Ideal for travel, lifestyle, or adventure-focused blogs
• Backed by decades of experience and strong global reach

How to Choose the Right Program for You?

Choosing the right insurance affiliate program comes down to knowing your audience and your niche. If you run a travel blog, programs like World Nomads, SafetyWing, AXA Assistance, or Travelex are the most relevant.

For content aimed at military members or veterans, USAA is the strongest option.
Personal finance or lifestyle creators may find Lemonade, Ethos, or Insurify a better fit due to their wide appeal.

If your focus is on small business, Hiscox or The Hartford should be top choices, while Aflac works best for workplace and employee benefit content.

Here are a few tips to help you succeed:

• Know Your Audience: Pick programs that meet your readers’ real needs. Travel readers want travel coverage, not business insurance.
• Create Valuable Content: Share guides, reviews, and stories that show how insurance can make a difference in real situations.
• Use Program Resources: Take advantage of banners, links, and tracking tools that come with each affiliate program.
• Track Results: Keep an eye on clicks and sales so you can focus on the programs that perform best.
• Follow Rules: Insurance is regulated, so make sure your promotions are transparent and comply with legal standards.

Final Thoughts

Insurance affiliate programs are a smart way to earn a steady income while guiding your audience toward trusted coverage.

The 15 programs I shared: Lemonade, USAA, Liberty Mutual, Allianz Care, Ethos, World Nomads, Hiscox, Insurify, AXA Assistance, SafetyWing, Bestow, Progressive, Aflac, The Hartford, and Travelex, cover every niche, from travel to business to family needs.

My top picks are Lemonade for its social mission and World Nomads for its travel focus. The right choice for you depends on your audience and the type of content you create.

Try a few, see what performs best, and build from there.

Got questions or success stories? Share them in the comments. I’d love to hear. Here’s to growing your income one affiliate link at a time.

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