16 Best Retirement Affiliate Programs With Epic Commission Rates

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Dale is a former electrician that has since gone on to generate over $1 million in all-time affiliate commissions & become officially recognized as a Super Affiliate by the world's largest affiliate marketing training platform. Alongside running his own affiliate marketing empire, he now also teaches affiliate marketing to others through the Commission Academy platform.

Retirement is one of the most significant decisions one will make in life. It’s the end of a career and the beginning of another chapter. Retirement planning isn’t easy, but it doesn’t have to be complicated.

There are plenty of ways to save for retirement without worrying about losing money or making bad investments. A retirement affiliate program can help with that, as these financial products help people save and invest money for retirement, so they can have a secure financial future when they leave their work-life behind.

Financial organizations like investment and insurance firms typically offer retirement affiliate programs. These companies provide investment advice to their clients and offer them financial products such as mutual funds, bonds, etc.

Many retirement affiliate programs exist, including annuities, long-term care, life insurance, and more. This article aims to narrow down the list and bring you the 16 best retirement affiliate programs you can find in the industry.

16 Best Retirement Affiliate Programs

Affiliate programs are listed in the following order:

  1. Personal Capital
  2. Insider
  3. SmartAsset
  4. Regal Assets
  5. Blooom
  6. Sense Financial
  7. BitIRA
  8. eHealthInsurance
  9. Senior Life Settlements
  10. Nolo
  11. Lending Club Investor
  12. GoldBroker
  13. Trust&Will
  14. Ladder Life
  15. TurboTax
  16. USAA Credit Cards

1. Personal Capital

Personal Capital Website Screenshot

Personal Capital provides financial services and solutions to assist consumers in managing their finances in one place. The most beneficial tool is their Retirement Planner, which determines consumers’ odds of retiring successfully depending on their objectives. 

Personal Capital takes a different approach to money management, and its affiliate program has no limits on total commission. According to Forbes, they are the top three wealth managers on the RIA Channel’s List of Wealth Managers for 2019.

They provide various personal finance tools to customers apart from their retirement planners, such as a net worth calculator and a fee analyzer that uncovers hidden fees in mutual funds, investments, and retirement accounts. 

If leads have $100,000 or more in investable assets in the system, affiliates can earn up to $100 for each enrollment. According to Personal Capital, their affiliate program has top affiliates earning up to $50,000 per month. 

Affiliates will also access banner advertisements and material to promote and complete information such as the latest news, promotions, and special offers.

URLPersonal Capital Affiliate Program 

Commission — Up to $100 in commission

Payment — Unknown

Cookie Duration — 30 days

2. Insider

Insider Website Screenshot

Insider by Capitalist Exploits offers their customers adequate provision for money management in the long run. It includes access to the fund’s portfolio, investment research, execution guidance, and a slew of other benefits, all provided through a private members area. 

Professional money managers who run the fund management business, Glenorchy Capital and the blog Capitalist Exploits launched Insider as an investment subscription. They offer two different flagship products, which are both available for promotion. 

The offering commissions for these products are between $788 and $1750 per sale. Generally, their products range from $1575 to $3499, while they claim their top affiliates earn tens of thousands of dollars in months, with many affiliates making over $2,000 per month. 

They also offer training videos on how to promote their program successfully, ongoing support and updates, and other possibilities arising from their extensive networks. Insider has a specific target market, so consider this before enrolling in their program.

URL — Insider Affiliate Program

Commission — 50%

Payment — Monthly

Cookie Duration — 365 days

3. SmartAsset

SmartAsset Website Screenshot

SmartAsset is a platform that connects retirees, soon-to-retirees, and investors with financial advisors across the country. Their technology pairs users with the most exemplary financial counsellor based on location, assets, and preferences. 

SmartAsset provides easy-to-understand financial advice to help people make better financial decisions. Their award-winning tools and calculators are designed by personal finance professionals and are utilized by over 45 million people each month. 

People aged 45 to 65 who are retiring or about to retire are their target demographic. It’s also worth noting that leads must have a minimum of $25,000 in investable assets.

URL — SmartAssest Affiliate Program 

Commission — $70 per lead 

Payment — Unknown

Cookie Duration — 24 hours

4. Regal Assets

Regal Assets

Regal Assets offers the ideal investment for your audience, whether trading Gold Bullion and Rare Gold or providing guidance on setting up a long-term, tax-deferred retirement plan known as a Gold IRA. It has a long history of responsible and trustworthy business operations, as evidenced by the BBB’s A+ rating and TrustLink’s 5-star out of 5-star customer satisfaction rating. 

Throughout the past decade, Regal Assets has become one of the top-rated companies in alternative investment. They prioritize clients’ needs and educate new investors about the precious metals business while connecting itself with excellent customer service, security, grading, and knowledge.

They offer one of the industry’s highest payouts, including pay-per-lead, pay-per-call, and revenue share for the customer’s life. They have several brand partners that earn over $100,000 per month and dozens of others who earn $10,000 to $50,000 per month. 

The possibility of earning more through their affiliate program is available, as you make even more as a super affiliate, with up to $30 per qualified lead. You get commissions for sales and leads made on their affiliate program, with up to $100 per verified email lead or call and 3% of the total investment amount.

They are open to partnering with companies in the various categories: real estate, startups & private equity, and other alternative investment companies. They are also available to partner with financial professionals, such as financial planners & advisors, retirement planners, insurance professionals, and wealth managers, to mention a few.

URL — Regal Assets Affiliate Program

Commission — 3% (On every transaction for the life of the customer)

Payment — Unknown

Cookie Duration — Unknown

5. Blooom

Blooom Website Screenshot

Blooom is a Robo 401k advisor that selects funds based on retirement objectives. Customers may minimize hidden investing fees, diversify their portfolios, and have unrestricted access to a financial counsellor. 

Bloom is also a group of specialists dedicated to making it simple and economical for consumers to manage their 401k online, providing people with the confidence to make better financial decisions with their hard-earned money. 

The issue with 401ks is that they are difficult to understand. You’ll be addressing the pain point of your target audience by providing these plans to them, but that’s all there is to it. Blooom’s independent professionals will then assist your audience in getting their 401k retirement plan on the right track and maintaining it.

Impact Radius hosts its affiliate program. Unique promo code tracking, a product catalogue, and deep linking are all features of Blooom’s campaigns. When a lead completes a free 401k check-up, the affiliate earns a substantial $15 flat fee commission. 

You can get paid in two ways: through analysis or client signup. When someone receives their truly free analysis of their company-sponsored account, you get a commission of $15. No credit card is needed!

When this lead converts to a client, you get paid another commission set at $50/client. However, their payment model for affiliates requires a background check and additional compliance.

URL — Blooom Affiliate Program  

Commission — Up to $15/$50 each lead

Payment — 20 days after the end of the month lead converted

Cookie Duration — 30 days

6. Sense Financial

Sense Financial Website Screenshot

Sense Financial assists with helping clients set up self-directed retirement plans with “chequebook control.” 

In all 50 states, their clients enjoy the most satisfactory individualized service at low prices. As a plan owner, there’s the option to invest in real estate, mortgage notes, trust deeds, and other quasi-assets. 

URL — Sense Financial Affiliate Program

Commission — $100 – $200 per lead

Payment — Unknown

Cookie Duration — Unknown

7. BitIRA

BitIRA Website Screenshot

The Bitcoin IRA Experts understand how vital retirement savings are to people’s future; that’s why they developed a solution that combines decades of experience and industry-leading knowledge in placing alternative assets in IRAs. 

Affiliates get paid a fixed fee for each qualified lead they refer and a portion of any transactions a person makes if they become a customer.

URL — BitIRA Affiliate Program 

Commission — Unknown

Payment — Unknown

Cookie Duration — Unknown

8. eHealthInsurance

eHealthInsurance

In the United States, eHealthInsurance is the most popular online source for health insurance for families and individuals. They work with over 180 health insurance companies to provide consumers with over 10,000 health insurance options. 

Their health advocates help you locate the best Medicare health plan for your budget and demands in retirement. Individual or family health insurance applications are subject to a $50 commission, while short-term and dental insurance commissions are $10. 

Commission Junction manages its affiliate program. For bringing in 50-120 leads, affiliates can receive higher commissions of $57.50 to $75. 

Affiliates can use professionally designed banner advertising, email campaign images, landing pages, widgets, and text links provided by eHealthInsurance.

URL — eHealthInsurance Affiliate Program 

Commission — $50

Payment — Unknown

Cookie Duration — 120 days

9. Senior Life Settlements

Senior Life Settlements Website Screenshot

Senior Life Settlements is a financial choice that assists customers in retiring. Thousands of people have benefited from their assistance in obtaining the best market price for their life insurance policy.

They conduct their affiliate program using ShareASale, and their affiliate managers are available to answer any queries you may have and make recommendations on how to improve your campaigns.

URL — Senior Life Settlements Affiliate Program 

Commission — $15 per lead

Payment — Unknown

Cookie Duration — Unknown

10. Nolo

Nolo Website Screenshot

Nolo assists small enterprises and consumers in obtaining legal answers. They have approximately 500 DIY legal products, including social security, retirement, wills, and trusts. 

Their directory connects users to 500,000 solo and small law firms across the United States. With their database of legal papers and do-it-yourself solutions, Nolo assists consumers in resolving legal concerns.

Commission Junction is where affiliates may sign up for the Nolo affiliate program. For sales of $500-$2000, affiliates can earn higher commissions of 30-35 percent. 

Forbes, Entrepreneur, SmartMoney, the Wall Street Journal, and other respected media outlets frequently highlight Nolo as the best source for consumer legal documents.

URL — Nolo Affiliate Program 

Commission — 25%

Payment — Unknown

Cookie Duration — 120 days

11. Lending Club Investor

Lending Club Website Screenshot

Lending Club is the world’s largest online marketplace for borrowers and investors. Their platform enables customers to cut borrowing costs while also providing investors attractive risk-adjusted returns. 

Traditional IRAs, Roth IRAs, and 401(k) rollovers are among the three types of retirement accounts they offer. Lending Club Investor allows you to invest for a good cause by assisting in the funding of personal loans up to $35,000.

Impact Radius is in charge of its affiliate program, providing banner, search, and email advertising options. 

URL — Lending Club Investor Affiliate Program

Commission — $50 per IRA application 

Payment — Unknown

Cookie Duration — 30 days

12. GoldBroker

Gold Broker Website Screenshot

Goldbroker delivers gold and silver bullion (bars and coins) in the United States and stores it in four places worldwide: New York, Toronto, Zurich (Switzerland), and Singapore. Clients of Goldbroker can own and store precious metals in their names and with complete ownership.

Goldbroker affiliate program bases its commissions on buy orders and annual storage fees of precious metals. They offer 0.2% commission on a purchase transaction and 0.1% for commission on storage during the entire storage period. 

This commission percentage has a proportional increase to your leads’ total accumulated stock value. That’s not all, and you will continue receiving lifetime commissions as long as the clients you refer continue to buy and store precious metals.

URL — GoldBroker Affiliate Program 

Commission — 0.2% – 0.4%

Payment — Monthly

Cookie Duration — 365 days

13. Trust&Will

Trust&Will Website Screenshot

With the simplest way to complete a Will, Trust, or supporting document online, Trust&Will is modernizing the Estate Planning market.

Trust & Will is revamping the Estate Planning market, providing peace of mind to millions of Americans who do not plan for unforeseen events. 

URL — Trust&Will Affiliate Program

Commission — 15%

Payment — Unknown

Cookie Duration — 30 days

14. Ladder Life

Ladder Life Website Screenshot

Ladder Life is an easy and cost-effective option to protect your loved ones with life insurance. Customers can expand or decrease coverage based on their requirements and life circumstances. 

Ladder Life reinvented the life insurance purchase process by combining cutting-edge technology with a world-class experience. Many of their consumers are between 25 and 55 and enjoy getting things done swiftly and efficiently. 

Commission Junction is where affiliates can join the Ladder Life affiliate program. Contact their affiliate manager if you have questions, requests, or issues. 

Affiliates can also advertise their simple life insurance solutions as a crucial step in retirement planning and providing for your financial dependents.

URL — Ladder Life Affiliate Program 

Commission — $75 per lead

Payment — Unknown

Cookie Duration — 30 days

15. TurboTax

TurboTax Website Screenshot

TurboTax is the most popular tax software in the United States. TurboTax assists consumers in doing their taxes correctly to help them receive the most significant tax refund possible. 

Millions of users entrust their tax preparation to their program. They provide a wealth of free resources, including tax calculators, money-saving measures, and tax-filing advice for retirees. It is essential because retirees still have to pay tax on their income.

They have two affiliate programs on Commission Junction for affiliates in the United States and Canada. Affiliates can also provide value to their websites by including free tax information and calculators.

URL — TurboTax Affiliate Program

Commission — 5-15% ($1-2 depending on product type)

Payment — Unknown

Cookie Duration — 7 days

16. USAA Credit Cards

USAA Credit Cards Website Screenshot

USAA Credit Cards cater to a specific niche within the financial services industry: active and retired military personnel. They also offer various financial services, including mortgages, health insurance, and retirement and investment plans.

The possibility of USAA’s affiliates making a lot of money is vast because of the availability to a potential market of 1.3 million current members and 21.8 million retired veterans. 

Having access to such numbers will provide you with a lot of leeways. You earn commissions when your lead registers or signs up for their products and services. Search “USAA” on your Commission Junction (CJ) dashboard to sign up for this program.

URL — USAA Credit Cards Affiliate Program

Commission — $25 per lead

Payment — Unknown

Cookie Duration — 30 days

Earning Big With Retirement Affiliate Programs

The retirement niche is certainly a very lucrative one & this post should highlight the fact that there is an amazing amount of opportunity.

Not only are there lots of great retirement affiliate programs that you can promote, but they also typically tend to offer relatively high commissions.

Plus, if you connect people with services that help them to save money or grow their retirement funds you can also take pride in your work as well.

But, regardless of how great the programs may be, you will still need traffic to generate sales.

The good news, however, is that our free step-by-step affiliate marketing training walks you through the process of generating unlimited amounts of free traffic & outlines how you can maximize your sales.

So before you leave, do be sure to check it out.

And of course, if you happen to have any additional questions or comments then don’t hesitate to leave them below. We always love hearing from our readers.

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