Policygenius
Life insurance
Highest per-action payout on this list, and the highest minimum threshold to reach it
- Published rate
- $50–$150 per qualified lead
- Model
- CPA — per policy sold
- Cookie window
- 30 days
Independent research, no sales calls
Work out the numbers before anyone quotes you a price
Free calculators for mortgage payments, loan costs, auto and home insurance estimates and life cover — plus a plain-language comparison of the companies behind them.
- Companies reviewed
- 24
- Free calculators
- 8
- Guides published
- 8
Start with a calculator
Every formula is shown on the page. Nothing is hidden behind a form.
Loans
Mortgage payment calculator
Principal, interest, property tax, insurance and HOA in one monthly figure, plus the full year-by-year amortisation tab…
Learn more → InsuranceCar insurance estimator
See which rating factors move a car insurance premium and by how much — state index, driver age, record, vehicle type,…
Learn more → InsuranceLife insurance needs calculator
The DIME method — debt, income replacement, mortgage and education — minus what you already have. Produces a coverage t…
Learn more → InsuranceHome insurance estimator
Premiums follow rebuild cost, not market value. Enter the rebuild cost, state, age of home and claims history to see th…
Learn more → LoansRefinance break-even calculator
Closing costs divided by monthly saving tells you how long a refinance takes to pay for itself — and the total-cost com…
Learn more → LoansLoan payment calculator
Monthly payment, total interest and total cost for any fixed-rate personal, auto or student loan. Fees included so the…
Learn more → LoansLoan comparison calculator
Two offers, side by side, on total cost rather than monthly payment. The lower payment is often the more expensive loan…
Learn more → LoansDebt payoff calculator
How many months until a balance clears at your current payment, how much interest that costs, and why paying only the m…
Learn more →Companies worth comparing first
Ranked by how much a referral is worth to a publisher, then by how easy the programme is to join. The commission column is the honest part most comparison sites hide.
Ethos
Life insurance
Fast underwriting model that shortens the conversion cycle - useful if Policygenius feels too slow
- Published rate
- $150–$350 per policy bound
- Model
- CPA — per policy sold
- Cookie window
- 30 days
LendingTree
Mortgage
The largest US lending marketplace - mortgage leads are priced per lead and vary widely by state
- Published rate
- $35–$200 per qualified lead
- Model
- PPL — per lead (bidding)
- Cookie window
- Varies by programme
Progressive
Auto insurance
The most accessible large carrier programme, with a comparison tool that generates multiple quotes per visit
- Published rate
- $8–$15 per qualified lead
- Model
- CPL — per lead
- Cookie window
- 30 days
MediaAlpha
Auto insurance
Real-time bidding exchange - the fastest route to carrier offers you cannot access directly
- Published rate
- $5–$25 per qualified lead
- Model
- PPL — per lead (bidding)
- Cookie window
- Varies by programme
GEICO
Auto insurance
Highest per-lead payout among the major carriers, but access is inconsistent
- Published rate
- $10–$20 per qualified lead
- Model
- CPL — per lead
- Cookie window
- 30 days
How this market actually works
Plain explanations of commissions, quotes, credit checks and the parts sales pages skip.
What renters insurance actually covers (and what it never does)
Your landlord's policy does not cover your belongings or your liability. The three coverages that matter, the sub-limits that surprise people, and th…
The DIME method: working out how much life cover you actually need
Why ten times your salary is a bad answer, how debt and mortgage structure change the number, and matching term length to the obligation.
Refinance break-even: when lowering the payment raises the cost
Three numbers to compare instead of one, and why a five-year term extension can undo a two-point rate cut.
Why home insurance is based on rebuild cost, not market value
Insuring to market value usually means paying for land you cannot claim on. The opposite mistake is worse: most policies penalise under-insurance.
How mortgage amortisation works, and why year one is almost all interest
The formula behind your payment, where the interest-principal crossover falls, and why extra payments early are worth several times more than late on…
Pre-approval vs prequalification: the difference that decides offers
One affects your credit score and carries weight with sellers. The other is a budgeting estimate. Confusing them costs buyers houses.
About us
Independent calculators and research for insurance and lending. We are not a broker, an insurer or a lender.
Estimates only. Not financial advice.
Published rate
Ranked by how much a referral is worth to a publisher, then by how easy the programme is to join. The commission column is the honest part most comparison sites hide.
Breakdown
Every formula is shown on the page. Nothing is hidden behind a form.