Insurance Affiliates

We calculate sales from the 1st of one month to midnight of the last day of the same month. All referral checks are mailed within 10 business days after the last day of every month.

Q - Are all sales registered on my "sales counter"?

The visitor counter records every single person that links to our site from your site. The sales counter records all sales that are made through your referral number for that month. We use the best software you can buy to track your visitors: AssocTRAC 2.0 from Cory Rudl's famous Internet Marketing Center.

Q- How many people will buy out of the visitors I send you?

Many people wonder how many sales are normally generated in relation to the number of visitors to our site. Our experience has been that one in ten visitors will fill out our Life Insurance Request Form, thus recording a sale.

This conversion ratio is fantastic when you consider that the average conversion ratio for a website on the Internet is one sale per 720 visitors (remember that the Internet is an information based society and generally everybody wants information for free as that was what the Internet was created for).

Now, I want to make it clear that the type of traffic generated has a direct effect on the percentage of people that fill out our Life Insurance Request Form. For example, if you are putting the banner up at a site that sells flowers, it would be more reasonable to expect 1 sale out of every 100 visitors to our site as they are not the proper target market (ie. unqualified visitors). However, if you had a site that explained "why the brand name companies charge so much more for life insurance" or "how to shop for life insurance", you could expect to see results similar to our one out of every 10 because they are the perfect qualified visitor.

Q - My sales are not that high, but I get lots of traffic to my site. What is wrong?

I want to let you know that we started off quite small, and we did not have a very good "close" ratio. We experimented and measured the results of every change. We tried to envision what it would take to get the visitor to click through to our "money" pages, so that we could get paid. We paid attention to our site statistics so we know what percentage of people were hitting each page. We now have good volume, and our "close" ratio is the best that I have heard of.

Take a look at our Life Insurance Website and study how the visitor is coached into our "money" page, which is the Life Insurance Request Form. Then see if you can adapt (NOT COPY... our material is copyrighted) some of our techniques to your Web site. Keep in mind that all you have to do is get them to click on your link to our Life Insurance Website®. We will do the rest, so take advantage of our years of fine tuning our approach to life insurance consumers. After a few months of "tweaking", I think you will be pleasantly surprised at the increase in your referral commissions.

Q - I have clicked through my special link MANY times, but it only shows 1 visitor, what is wrong?

Our tracking software is very sophisticated and compensates for people returning to the site many times a month. It would take me a while to explain all the technical stuff, so I will avoid that and try to explain it as simple as possible. If you try to link through the banner/link you placed on your site over and over, the "visitor" counter on your special reporting page will show it as only one visitor. This is because it is "you" coming back again and again (you are just "1 visitor" coming back again and again). We set up the software to do this so the visitor numbers are always accurate and you can always figure out the "real" sales conversion ratio (the ratio of how many visitors it took to get one sale).

Let me explain what I mean by that. Say you had 2000 new visitors a month linking from the link on your site to ours. Let's say that 400 of those new 2000 visitors every month come back to our Life Insurance Website twice (2 times) every month to check if their are new rates, etc.

Now after 12 months of being part of our referral program you would have brought in 24,000 "new" visitors and sold approximately 2,400 (as we, on average, have one sale for every 10 people that visit our site). The way our visitor counter is set up now, after the 12 months, it would say that there were 24,000 visitors (as the counter only shows "new" visitors). However, if we set up the counter to count all "new" visitors AND everybody that returned to the site it would really confuse the statistics for sales conversion and to figure out how many people you referred to our Life Insurance Website. As discussed before there would be about 400 people a month coming back twice a month for the 12 months you have been an affiliate. If the counter was to count all "new" visitors and "repeat" visitors, the counter would read 86,400 visitors! That would be 64,200 "repeat" visits that were counted and 24,000 "new" visitors that were counted.

I hope the math does not confuse you here -- it is a little complicated. But I wanted to illustrate the point. If you looked at these stats of 86,400 visitors (where they were really only 24,000 "new" visitors) you would have thought that there was only one sale out of every 36 visitors (and you would wonder why the conversion ratio was so bad as it should be about one sale for every 10 visitors).

The way the counters work is they only count NEW visitors to the site so you can see your proper conversion ratio to make sure everything is going OK with the way you are promoting our Life Insurance Website®.

This may raise one question in your head. How do I test to see if my counter is working if after the first time I go through the link, it will not count me anymore? That is easy. Simply delete/erase all the "cookies" from your browser and you will trick our counters into thinking you have not been at the site before so it will count you as a "new" visitors (and you can verify that the counter is working by seeing it increment by one).

On a little different note, no matter if the visitors is counted as a "new" visitor or if they are a "repeat" visitor and not counted on the visitor counter, your Insurance Affiliate referral number is ALWAYS coded in all the Life Insurance Website webpages and if that visitor ever orders within the next 2 years, you will get the referral fee.

Q - I have been an affiliate for a month and have not received any referral fees yet. What is going on?

You have to be getting a reasonable amount of visitors to your site before you can start earning any reasonable amount of referral fees. I say this because there have been a few people in the past that expected to make huge referral fees when they were only getting a few hundred visitors to their site every month (and this is just mathematically impossible). The fact of the matter is that if you are not getting many visitors to your site, then you will not get many people linking through to our site, and you will not be making a lot in referral fees.

Q - What can I say at my site that shows that you are different from all the rest of the insurance sites out there?

By far the most important thing is that our site is a consumer site, not affiliated with the insurance industry. We have no reason to hide any information from the consumer. Quite the contrary: our stance as a consumer site demands that we be unbiased in our material and our presentation.

Almost all of the hundreds of life insurance sites are run by insurance agents. Because they are only selling certain products, that is all the information they will show. We are not selling insurance. We use an industry database of the most current rates of over 160 life insurance companies, and we help our visitors find their lowest rates, and the most competitive companies for their situation.

Then we take it a step further, because there is still a lot of variability as to how each insurance company might classify you, based on your health history and lifestyle. This can have a big impact on the premium you pay for life insurance. So, we developed a network of independent agents to help our visitors sort through this mess, and find the best company for their particular situation. All of these agents use the same database as we do at our Website, and they have been committed to selling the most competitive term life insurance products for many years.

Q - How will my visitors order?

Overview: First, your customer will browse your website and find the description of Budget Life Insurance® that you have included in your pages. If your description catches their interest and they wish to find out more, they would follow the link you provide to our site.

We will then display the life insurance rate information, and suggest that they request assistance from one of our network of independent agents.

Once the customer begins to fill out our Life Insurance Request form, our referral software takes over - running on our server and assigning the appropriate agent to the customer. From this point forward, they'll get complete customer service directly from the assigned agent.

The assigned agent will help them determine an insurance classification, based on their health history, and the agent will handle all of the paperwork and financial transactions. The customer service department will answer any questions or requests they have about their application, including cancellations as necessary - you do nothing but sit back and collect your referral fee.

Q - How will you keep track of the orders coming from my site?

We have provided you with specially formatted URLs that you will use to link to our site. These URLs will identify a particular "Reference Number" for us to display, and your unique store code which we use to track your referral fees as they are earned.

We have custom software designed so that people can visit the site now through your link to our site and come back later to order (up to 2 years) and you will still get credit for that sale. As I mentioned above, we use Cory Rudl's AssocTRAC 2.0 to make sure we never miss a sale. Cory's Internet Marketing Center has supported thousands of affiliates successfully for years. Now, this same level of support and comfort is yours.

Using the reporting URL that you were assigned in the email that was sent to you right after you became an affiliate, you can check exactly how many people have linked from your site to ours and how many people have ordered at anytime.

Q - What kind of income can I expect?

We have websites that earn under $100 a month (low traffic sites) and others as high as $1,000 a month (medium traffic sites). If you have a high traffic site, you could easily earn more than this. The amount you earn depends on the type of people that visit your site, how many visitors you receive monthly, and how much exposure you give the link to our site (this is the key... *how much exposure you give to our site*). Sites that have links to ours in many places throughout there website do MUCH better than other sites that only have a small link or just one link throughout their site. I cannot emphasize how important exposure is to the success of your campaign.

Q - I don't understand all this technical stuff... What is the easiest way to link?

Just put up one of the banners on your main page (or a high traffic sub-page on your site). The banners can be found at http://www.insurance-affiliates.com/banners.htm. Just right-click the banner you want, and save it to your hard drive. This is the most common way to link to our site. Generally, the more the banner is to the top of your page, the more visitors will click on it, thus resulting in more referral fees for you. If you are not sure how to do this, contact us at affiliates@insurance-affiliates.com and we will help you.

Q - I saved the banner to my hard drive, but I can't find it. What do I do?

Just have the banner load from our site directly onto your page. To do this, just copy and paste the following code into your webpage.

The HTML command to make banner #1 "clickable" would be:

Please note to replace the XXXX in the above HTML with your reference number that you were assigned when you signed up as an affiliate. You can also use the above HTML to link with any of our other banners. Just replace the banner name ("bud_1.gif" in our example) with the banner you would like to use (for example "bud_2.gif"). See http://www.insurance-affiliates.com/banners.htm for a list of banners and their names.

If you are shopping for life insurance, check out our shopping guide.