Top insurance programs compared

About Top insurance programs compared

Insurance programmes pay for policies that get started, and the money usually arrives well after the click. This ranking covers 46 insurance programmes, and the trade-off runs through all of them: the schemes that pay the most per approved policy are often the slowest to hand over the cash. Per sale is the dominant model here, with a few per lead and per sale networks mixed in, and most programmes run in a single market rather than worldwide. Cookie windows are short, so a quote request has a narrow window to close. Recurring commission is rare, which means each programme is judged on what it pays for a single policy, how quickly that payment lands, and how easily a publisher can reach someone about it.

How we picked

Every programme here is scored on three weighted parts. Cost carries 40%, offer carries 40% and trust carries 20%, so a headline fee on its own cannot lift an entry to the top. Cost reads commission per sale or per lead, the length of the cookie window and how long approval takes before payment. Offer reads the commission model, whether the scheme is direct or referral based, and which verticals it covers. Trust reads the named legal entity, the support channels a publisher can reach and the market the programme serves. The primary source for each figure is the programme's own page, with a network listing used as backup and a company reference for corporate details. Partners are listed first in the ranking, and any label shown next to a programme is the computed result, not a hand written verdict. Nothing is scored on how easy a programme looks to sign up for.

Our top picks

1. CL2. Comperia Lead

   Comperia Lead earns its place in this ranking because it is not a single insurer but a lead market, so Commission per form: CPL, CPS, CPC spans banking, lending and insurance from one account. Timing is the strongest part of its offer, since payment runs twice monthly, which is quicker than the insurer schemes around it and matters when traffic is bought by the click. It runs in a single market and recurring commission is no, so the same visitor pays only on the offers that convert. Support runs on email and help centre, thinner than the insurer entries. DA Direkt, ranked next, is the opposite shape, a single insurer founded in 1923 that runs direct and referral work for Up to 170 EUR net per referral.

   • Commission models: CPL, CPS, Cpc
   • Minimum payout: PLN 50
   • Payout frequency: twice monthly

   Pros

   • Commission is paid per form across cpl, cps and cpc, so a publisher can pick a lead, a sale or a click model per offer.
   • Payouts are released twice monthly once the balance clears PLN 50, a threshold close to €43.85 across the programmes tracked here.
   • Offers sit in banking, lending and insurance, giving a finance-focused publisher a clear niche and a short campaign list to run.
   • The programme is direct, so advertiser approval and commission terms come from the same desk.
   • A named operator, Comperia.pl S.A., sets out the payout terms, which matters when a lead is disputed.

   Cons

   • Recurring commission is not offered, so a funded account or an insurance policy pays once and then stops.
   • The programme runs in a single market with PL as its base, so traffic from other countries has less to work with.
   • Support runs on email and help centre only, so a publisher chasing a rejected lead waits for an email reply.
   • The model list for approved offers is cpl and cps and the wider catalogue runs on cpl, cps and cpc, neither of which includes revenue share, unlike Admitad's cpa, cpl and cps.

2. 3. DA Direkt

   DA Direkt is in this ranking for running two mechanics under one roof, direct and referral, and paying Up to 170 EUR net per referral for each. Founded in 1923 and based in Germany, it is a long established single market insurer, so publishers deal with a named legal entity, DA Deutsche Allgemeine Versicherung AG, rather than a broker. Support is the strongest in this group, on email, phone and help centre, which matters when a referred visitor needs a document before a policy starts. Recurring commission is no, so the relationship is a single payment per policy. ERGO Group, ranked next, pays Up to 80 EUR per sale and credits 60 days through financeAds, but holds payment until 3 months after online close, which slows cash flow next to DA Direkt.

   • Commission terms: Up to 170 EUR net per referral
   • Recurring commission: No
   • Payout per sale or signup: €170

   Pros

   • The rate is easy to plan around: Up to 170 EUR net per referral lands on a confirmed referral, not on a premium share that shifts with policy size.
   • Promotion covers direct and referral, so link clicks and direct recommendations are both earning sends.
   • Support runs on email, phone and help centre, so a partner with a stuck referral has a real route to the insurer.

   Cons

   • Recurring commission is listed as no, so a policy that renews each year brings no further payout.
   • The programme is built for DE alone, so traffic from other markets earns nothing.

3. 4. Hannoversche: best for top-pick

   Hannoversche sits at the head of this ranking because it pairs a large fee with a referral scheme that pays through bank transfer, paypal and gift card, so a publisher picks how the money arrives. The payout is up to 225 EUR per sale on a per sale model, the programme was founded in 1875, and the legal entity is Hannoversche Lebensversicherung AG, the kind of counterparty a cautious publisher wants. Support runs on phone and email and the scheme is listed on Tellja. Recurring commission is no, so every approved policy pays once. Comperia Lead, ranked next, works the other way round, paying Commission per form: CPL, CPS, CPC across banking, lending and insurance from a lead market rather than one insurer, with faster payouts but email and help centre for support.

   • Commission terms: up to 225 EUR per sale
   • Networks: Tellja
   • Recurring commission: No

   Pros

   • The rate is a flat cost per action of up to 225 EUR per sale, so what a converted referral earns can be budgeted before you write the content.
   • Money leaves through bank transfer, paypal and gift card, so a publisher is not tied to a single settlement route.
   • The scheme runs on Tellja, which keeps tracking inside a network you can report from alongside your other programmes.
   • A stalled referral can be chased on phone and email, so a pending payment does not have to wait on a network reply.

   Cons

   • Recurring commission is not offered, so a policy that stays in force produces nothing after the sale and each referral starts from scratch.
   • The scheme is a single market offer, so only German readers convert, and 79.4% of insurance programmes are limited the same way.
   • Support runs on phone and email, with no live chat listed for questions that arrive mid campaign.
   • The headline up to 225 EUR per sale reads as a ceiling rather than a typical payment, so planning on the top figure sets your expectations high.

4. 5. AXA

   AXA is in this ranking as the high value, short window option, paying Up to £120 CPA for a valid sale while crediting 30 days, the tightest window among the entries that name one. It runs direct through Awin, and the legal entity is AXA S.A., founded in 1921, so there is a long operating record behind the offer. Payout follows Monthly validation and support is on email only, so a publisher chasing a high fee gives up both a long window and a phone line. BarmeniaGothaer, ranked next, is far narrower, paying 50 EUR per full health referral on a full health referral, which suits an audience that has already settled on health cover.

   • Commission terms: Up to £120 CPA
   • Cookie window: 30 days
   • Networks: Awin

   Pros

   • Commission is Up to £120 CPA per qualified sale, a named figure rather than a range.
   • cpa on a single vertical, insurance, so tracking stays simple.
   • Monthly validation keeps the payout rhythm predictable.
   • A direct programme, so publishers deal with the brand rather than a reseller.
   • A 30 day window, in line with the median across the finance set.

   Cons

   • Recurring commission is listed as no, so a sale pays once and nothing after.
   • Support runs on email only, with no phone or chat route for questions.
   • single country means a single market, so traffic elsewhere adds no commission.
   • The 30 day window sits at the bottom of the insurance range, which reaches 90 days.

5. 6. ERGO Group

   ERGO Group belongs in this ranking for offering tracked direct sales rather than introductions, credited for 60 days at Up to 80 EUR per sale through the financeAds network, with ERGO Group AG named as the legal entity. Direct work fits publishers who already hold insurance traffic and want to close it themselves, and this ranking rewards that because the commission does not depend on someone else passing the link along. The weak spot is when the money lands, since payment comes 3 months after online close, and recurring commission is no. ROLAND, ranked next, also runs a per sale model at up to 70 EUR per referral, but it is a referral only scheme with support on phone.

   • Commission terms: Up to 80 EUR per sale
   • Cookie window: 60 days
   • Networks: FinanceAds

   Pros

   • Settles Up to 80 EUR per sale on a cpa basis, so an approved sale carries a set fee rather than a share of revenue.
   • A 60 day cookie window places it 23 of 129 programmes on cookie length.
   • A direct agreement (direct) run through the financeAds network (financeAds) keeps the terms and the payout schedule in one place.
   • The contracting party is ERGO Group AG, and insurance is the only vertical, so content planning stays narrow and clear.

   Cons

   • Recurring commission is no, so a policy that stays with ERGO Group never earns again and revenue depends on fresh traffic in every period.
   • The region is a single market, so a site with readers abroad has no matching offer to point them to.
   • Payment lands 3 months after online close, which stretches the wait for publishers who treat commission as monthly income.
   • CPA is the only model (cpa), where Mintos pairs lead and sale payments through Hybrid lead and CPA commission.

6. 7. ERGO Group Deutschland

   ERGO Group Deutschland is in this ranking as the strongest referral offer in the German market, paying up to 150 EUR per sale for a sale a friend passes along, backed by the legal entity ERGO Group AG, founded in 1997. It is referral only, so the publisher's traffic does not have to be insurance specific, and support runs on phone and help centre, giving referred visitors a phone line and a help centre. Recurring commission is no. nettopolizze.at, ranked next, is also a reward per referral at 50 EUR reward per referral, run by 2invest GmbH across insurance and investing verticals, with support on email and phone.

   • Commission terms: up to 150 EUR per sale
   • Recurring commission: No
   • Payout per sale or signup: €50 to €150

   Pros

   • Pays up to 150 EUR per sale, one of the higher figures in the insurance group.
   • CPA model is the norm in insurance, where 80% of programmes pay this way.
   • Support runs on phone and help centre, with phone and a help centre.

   Cons

   • Recurring commission is no, so each sale pays once.
   • The programme runs in a single country scope, so no international traffic.
   • Support is limited to phone and help centre, with no live chat or community.

7. 9. nettopolizze.at (AT)

   nettopolizze.at closes this ranking as a plain reward scheme, 50 EUR reward per referral for a referral, run by 2invest GmbH and covering insurance and investing verticals. Support is offered on email and phone, so a reader can ask a question before a referral is made, and the simplicity suits publishers who want one link and one reward rather than a tiered scheme. The limits are clear, since it is referral only and recurring commission is no, so earnings depend on other people forwarding the offer. Against ERGO Group Deutschland, ranked above it, the fee is smaller, and the wider insurance scope of that scheme is what the extra amount buys.

   • Commission terms: 50 EUR reward per referral
   • Recurring commission: No
   • Payout per sale or signup: €50

   Pros

   • A flat 50 EUR reward per referral per referral is easy to forecast and easy to quote to an advertiser.
   • Covers insurance and investing, two verticals where comparison pages already do most of the persuading.
   • Support on email and phone means a publisher can reach the team without a broker.
   • A referral reward holds up better than a small sales share such as 5% per sale on a single deal.

   Cons

   • Recurring commission is no, so every referral pays a single time and nothing follows.
   • The only feature listed is referral, so there is no direct offer to place.
   • Support runs on email and phone only, with no live chat or help centre.

8. 10. Getsafe

   Getsafe sits in this ranking as the long window specialist, holding 90 days of credit where the category median is 30. That matters more in insurance than in most verticals, because a quote can be taken, set aside and returned to over several weeks. The direct model and its Awin listing make it straightforward to join, and payment comes 60 days from invoicing from invoicing, a stated timetable rather than a vague promise. Recurring commission is no, and the fee GBP 30 per valid sale sits well below the German leaders. AXA, ranked next, runs the opposite trade, offering Up to £120 CPA against a 30 day window, so more of its budget depends on a quick close.

   • Commission terms: GBP 30 per valid sale
   • Cookie window: 90 days
   • Networks: Awin

   Pros

   • A flat GBP 30 per valid sale on a cpa model, so the figure per valid sale does not move with premium or order value.
   • The 90 day credit window outlasts the insurance sector median of 30 days, which helps comparisons that close over several visits.
   • The programme runs on Awin, so tracking, invoicing and the credit window are handled inside a network account.
   • Payment terms of 60 days from invoicing are stated plainly, which makes cash flow planning possible before you commit traffic.
   • Insurance is the only vertical, insurance, so the offer and the content a reader lands on line up.

   Cons

   • Recurring commission is not offered, so a renewal on a policy you introduced adds nothing further.
   • Payouts run 60 days from invoicing, so money sits with the brand well past your usual invoice rhythm.
   • The offer covers insurance only, so a finance site with several verticals has a single deal to place.
   • The cost part of the score, 4.6, sits well below the offer part, 8.7, which points to a programme that is easy to promote but slower to pay.

What to look for

Payout per approved policy

Per sale is the model behind 80% of the programmes in this category, so the fee per approved policy is the number to start with. Per lead and per sale schemes add a second trigger on the same visitor, which helps when a policy needs a longer decision.

Cookie window

The typical window here is 30 days and the long end reaches 90. If you send a quote request, that window decides how much of the traffic still pays, and approval timing matters as much as the window length.

Where the programme runs

79.4% of these programmes run in a single market, so a publisher outside that market should check the legal entity before sending traffic. Named entities here include Hannoversche Lebensversicherung AG, Comperia.pl S.A., AXA S.A. and 2invest GmbH.

Recurring or one off

Recurring commission is listed as no across this list, and the wider category matches at 94.7% of programmes paying once. Plan around repeat traffic on new policies rather than renewals.

Support you can reach

Phone is the most common channel at 68.8% in this category, ahead of email and help centres. A publisher fielding policy questions from referred visitors will feel the difference between a phone line and an inbox.

Direct or referral

Referral schemes sit at 55.2% of programmes and direct programmes at 58.6%. Referral work means introducing, direct work means closing, and each needs a different volume of traffic to earn the same.

Frequently asked questions

Top insurance programs compared by country

• Brazil
• France
• Germany
• Spain
• United Kingdom
• United States

The data behind this ranking

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