Hannoversche review
Updated September 28, 2026 · AffCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Hannoversche runs a German referral scheme that pays a flat CPA of up to 225 EUR per sale, with a cost score of 8.8. It suits publishers whose traffic already sits in Germany and who want a plain payout structure rather than a broad offer set.
Key facts
- Best for
- German insurance publishers who can send a qualified referral and want a flat CPA.
- Commission terms
- up to 225 EUR per sale (Source, checked September 26, 2026)
- Networks
- Tellja (Source, checked September 26, 2026)
- Recurring commission
- No (Source, checked September 26, 2026)
- Payout methods
- Bank transfer, Paypal, Gift card (Source, checked September 26, 2026)
- Payout per sale or signup
- €225 (Source, checked September 26, 2026)
- Verticals
- Insurance (Source, checked September 26, 2026)
- Legal entity
- Hannoversche Lebensversicherung AG (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Founded
- 1875 (Source, checked September 26, 2026)
- Support channels
- Phone, Email (Source, checked September 26, 2026)
- Pricing model
- CPA
- Features
- Referral program
- Region
- Single country
- Official website
- hannoversche.de
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
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.
Who it suits
- Publishers with a German insurance readership who can recommend a specific provider and see the referral through to a policy.
- Anyone who values a predictable flat bounty over a share of revenue, which is the shape Mintos (Hybrid lead and CPA commission) and Admitad (5% per sale) are built around.
Who should look elsewhere
- Publishers chasing renewals, since recurring commission is not offered here while Mintos pays Hybrid lead and CPA commission across a wider range of finance signups.
- Anyone wanting a share of each sale rather than a flat fee, where Admitad runs 5% per sale.
- Sites whose readers sit outside Germany, since the offer covers a single market and a business banking audience fits Qonto (CPA per registration plus KYB bonus) better.
What the programme pays
Hannoversche pays on a cost per action model, and the stated rate is up to 225 EUR per sale. That single figure is the whole pricing story: there is no tier that pays more for volume, no bonus for hitting a target, and no share of the premium a policy collects. A publisher is paid when a referral turns into a completed sale, not for the click or the lead that came before it. Recurring commission is not offered. Once the sale is done, the earning stops, which means the length of the policy term never shows up in the payout. Insurance is sold on how long a customer stays covered, and this scheme pays for the moment of purchase alone. Anyone modelling lifetime value across a book of policies is looking at the wrong shape here, and the earnings curve restarts with every fresh referral. The model makes forecasting straightforward. A cost per action of up to 225 EUR per sale lets you work out what a converted referral is worth and then decide how much traffic to send after it. It also puts the risk on volume rather than on rate: the figure holds, but the number of completed sales depends on how persuasive your German insurance content is and how quickly a reader moves from a recommendation to a signed policy.
Who runs it
The programme is run by Hannoversche Lebensversicherung AG, a life insurer registered in Germany that has been trading since 1875. The counterparty on your payout is the insurer itself rather than a platform reselling your traffic, which matters if you want a clear name on your payment records and a direct line when something goes wrong. Support runs on phone and email, so questions about a tracking link, a pending payment or a referred friend go straight to the company that sells the policy. That suits publishers who prefer dealing with a named business rather than a support queue, and it keeps the conversation about the same product your audience will actually buy. The scope is deliberately narrow. The company deals in insurance products, and the scheme sells that line rather than a broad financial catalogue. For a publisher building German insurance content that focus is an advantage: product, payout and support line all point the same way. For a general finance site, it is a tighter relationship than the wide finance programmes listed alongside it in this directory.
Where Hannoversche is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does a referral pay?+
The stated rate is up to 225 EUR per sale, and the model is cost per action (cpa), so a payout depends on a completed sale rather than on traffic volume. Plan your earnings per converted referral, not per click or per lead, because nothing is due until the sale completes.
Is there recurring commission?+
There is not. Recurring commission is listed as unavailable, which means an insurer that keeps a policy in force pays nothing further after the sale. Earnings reset with each new referral at up to 225 EUR per sale, so publishers who prefer lifetime value over a single bounty should look at a programme that pays on renewals.
Which markets can I promote it in?+
The programme is a single market offer built for the German market, and the policy is written by Hannoversche Lebensversicherung AG in Germany. That narrows your traffic to German readers, so a site with a mainly UK or US audience will earn far less from the same content than a German insurance site.
How do I get paid?+
Payouts go out through bank transfer, paypal and gift card, which covers bank transfer, PayPal and gift card. The choice means a publisher can pick how earnings land, and the money is paid by the insurer itself rather than by a separate platform.
Which network handles tracking?+
The programme runs on Tellja, so links and referral codes are handled inside that network rather than by a bespoke in house tracker. That keeps reporting in one place, though publishers who already run a wide mix of programmes will find it is the only network in their list tied to this insurer.
Is this a referral scheme or a direct offer?+
It is a referral scheme: the only feature listed is referral, so a publisher earns when someone they recommend takes out a policy. The commission model is cost per action (cpa), so the money follows the completed sale rather than the click that led to it. Anyone wanting a broader offer from the insurer should read the terms before building content around it.
How does the payout compare with banking programmes?+
The figure here is a fixed up to 225 EUR per sale on a cost per action model, while Qonto pays CPA per registration plus KYB bonus and Admitad runs 5% per sale. If your traffic converts insurance interest into completed policies, a flat bounty of this shape is simple to forecast. If you are chasing a share of revenue instead, those programmes pay differently.
Who do I contact about the programme?+
Support runs on phone and email, so you can pick up the phone or write an email and reach the insurer's own team. There is no live chat listed, so time sensitive tracking questions are worth sending when the contact centre is open. A phone line helps when a tracking link stops registering and the answer needs speed.
Sources
- en.wikipedia.org/wiki/VHV_Group checked September 26, 2026
Backs: Founded
“has emerged from the Prussian Official Association in 1875”
- hannoversche.de checked September 26, 2026
Backs: Verticals
“Risikolebensversicherung / Berufsunfaehigkeitsversicherung / Sterbegeldversicherung”
- hannoversche.de/impressum checked September 26, 2026
Backs: Headquarters, Legal entity, Region
“VHV-Platz 1 30177 D-30177 Hannover”
- hannoversche.de/kontakt checked September 26, 2026
Backs: Support channels
“0511 670 50 100 Mo. - Fr. 8 bis 20 Uhr / E-Mail senden”
- hannoversche.de/kundenservice/freunde-werben-freunde checked September 26, 2026
Backs: Commission terms, Payout per sale or signup, Features, Pricing model, Networks, Payout methods, Recurring commission
“225 EUR statt 50 EUR Praemie”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
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Hannoversche
German insurance publishers who can send a qualified referral and want a flat CPA.