SmartFinancial
Insurance lead marketplace with published per-lead pricing and a 30-day cookie
Overview
SmartFinancial is an independent insurance marketplace that distributes quote requests to a network of carriers and agencies. Unlike the pure real-time exchanges it publishes a 30-day cookie window, which is unusual in a category that often runs on session-based attribution.
Strengths
- 30-day cookie, better than session-based exchanges
- Covers auto, home and life
- Independent of any single carrier
Trade-offs
- Payout varies by product and state
- Less brand pull than carrier-direct programmes
- Quality thresholds apply
Commission structure
| Model | PPL — per lead (bidding) |
|---|---|
| Published rate | $8–$25 per qualified lead |
| Cookie window | 30 days |
| Payment terms | Net 30 |
| Minimum payout | $100 |
| Recurring | No |
| Payout tier | Medium Solid mid-range economics |
Source: theaffiliatemonkey.com · Data checked: 2026-10-28
How to apply for the commission
- Apply as an affiliate and list the products you will promote.
- Confirm the payout range for each product line - they differ substantially.
- Integrate forms or API.
- Monitor payout by product monthly.
- $100 minimum, Net 30.
The 30-day cookie is the differentiator worth testing. Run it head to head against a session-based exchange on the same pages and compare revenue after 45 days.
Traffic restrictions
US traffic. Product availability varies by state.
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