Insurance affiliate programs pay in one of two ways. Some share the broker's commission for as long as a referred customer keeps the policy. Others pay a fixed fee for each qualified lead. This guide explains both models, who tends to offer each, and what to check before you join. Truvo pays a fixed referral fee per qualified lead.
What is life-of-policy revenue share?
When you refer a customer who buys insurance, the broker earns a commission from the carrier, often annually for as long as the policy stays in force. With life-of-policy revenue share, the broker passes you a portion of that commission each period the policy renews. So a single referral can pay you in year one, year two, year three, and beyond, as long as the customer remains insured.
Contrast that with a per-lead referral fee, where you are paid a fixed amount for each qualified quote request, whether or not the customer buys. Same referral, different payment shape.
How do the two models compare?
Revenue share depends on retention and on the customer actually buying. Insurance retention is high, so a share can pay for years, but it only starts once a policy binds. A per-lead fee pays sooner and pays on every qualified quote request, so it rewards volume and lead quality rather than the sale.