Policygenius
Highest per-action payout on this list, and the highest minimum threshold to reach it
Overview
Policygenius is a life and disability insurance brokerage that compares quotes across carriers. Life insurance is the highest-paying affiliate category in personal finance because a converted customer is worth thousands in first-year commission to the brokerage, and a share of that flows to the publisher. The catch is a $250 minimum payout and a longer conversion cycle - life insurance buyers take weeks, not minutes.
Strengths
- $50-150 per qualified lead - the top of the public range
- 30-day cookie suits a multi-week research cycle
- Commissions are recurring in some structures
Trade-offs
- $250 minimum payout delays first payment
- Long conversion cycle means slow feedback
- Competitive category with established sites
Commission structure
| Model | CPA — per policy sold |
|---|---|
| Published rate | $50–$150 per qualified lead |
| Cookie window | 30 days |
| Payment terms | Net 30 |
| Minimum payout | $250 |
| Recurring | Yes |
| Payout tier | High Top-tier payout — worth building content around |
Source: earnifyhub.com · Data checked: 2026-10-28
How to apply for the commission
- Apply through the partnership page and describe your audience demographics - age and household income matter most in life insurance.
- Confirm whether you are paid per qualified lead or per placed policy; the second pays more but converts far less.
- Agree the qualification definition in writing: a form fill, a completed application, or a placed policy are three very different triggers.
- Build content around a specific need (new parents, mortgage holders, self-employed) rather than generic 'life insurance' pages.
- Track at 30/60/90 days - this category will not show results in week one.
- $250 minimum, Net 30.
This is where the money is, and it is priced accordingly: expectation of expertise, a real content library, and patience. If you only have twenty pages, you will not clear the $250 threshold inside a quarter. Build the library first.
Traffic restrictions
US traffic. Life insurance advertising is state-regulated; no guarantees of approval or pricing may be implied.
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