Sharing a referral link is the easy part. What partners often want to understand is what happens next — how the customer gets quoted, how you get credited, and when you actually get paid. This is the full journey, step by step, from the click to your reward.
What happens the moment a customer clicks your link?
When a customer follows your unique referral link or enters your code, Truvo immediately ties that session to your partner account. This attribution is the foundation of getting paid, and it's automatic — you never have to chase anyone for credit.
- Your unique identifier is recorded with the customer's session.
- The customer lands on a Truvo-hosted quote experience, branded to the level your integration supports.
- The referral appears in your partner dashboard as a new lead, even before they finish.
From here, the customer is in Truvo's hands. You've made the introduction; the licensed, regulated work begins.
How does Truvo quote the customer?
Once the customer shares their details, Truvo's job is to find them real coverage fast. As an AI-native brokerage, Truvo rates the customer across its carrier panel rather than pushing a single product.
- The customer provides the basics — what they're insuring and the relevant risk details.
- Truvo quotes across multiple carriers, comparing pricing and coverage.
- The customer sees options they can actually act on, not a generic estimate.
Because Truvo quotes and binds in minutes, the customer rarely cools off between interest and coverage. Speed is what turns a click into a quote request — and a quote request into your fee.
What does "binding" actually mean for your referral?
Binding is the moment coverage goes into force — the customer has a real, active policy, not just a quote. Your fee does not wait for it: Truvo pays per qualified lead, so the quote request is the milestone that matters for your payout. Binding is the outcome for the customer.
When a customer binds:
- The policy is issued and the customer is covered.
- Truvo handles the carrier paperwork, documents, and servicing setup.
- The bound policy is recorded against your attribution.
You don't touch any of the regulated steps — quoting advice, underwriting, and compliance all stay with Truvo. Your role ended at the introduction.
How and when do you get credited?
Here's the typical flow from quote request to recorded fee:
Step | What happens | Where you see it |
|---|---|---|
Lead captured | Customer clicks your link; referral attributed to you | Dashboard, as a lead |
Quoted | Customer requests a quote; fee becomes pending | Dashboard, as pending |
Bound | Coverage goes in force for the customer | Dashboard status update (bound) |
Cleared | Truvo confirms the lead is real; fee confirmed | Dashboard, as confirmed |
Paid | Payout issued on the regular schedule | Your payment method |
The dashboard is your single source of truth. You can see referrals, their current status, and pending versus paid rewards in real time, so there's never a mystery about where a customer is in the journey.
Why is there a waiting window before payout?
A new quote request is checked before it pays. Truvo confirms the customer is real and reachable and that a bindable quote exists. To keep fees clean, the payout waits until that check passes.
This protects everyone:
- You earn on real quote requests rather than junk or duplicate leads.
- Truvo keeps attribution and payouts accurate.
- Customers get the normal protections that come with any new policy.
Once the check clears, your fee moves from pending to confirmed and joins the next monthly payout.
When do partners actually get paid?
Payouts are issued monthly for the previous calendar month to your chosen payment method. Because attribution is automatic and the dashboard tracks status end to end, the payout is simply the last step of a process you've been watching the whole time.
A quick recap of the full journey:
- Customer clicks your link → lead attributed to you.
- Customer is quoted across carriers.
- Customer requests a quote → fee becomes pending.
- Truvo confirms the lead → fee confirmed.
- Payout issued on schedule.
That's the entire arc, and almost all of it happens without you lifting a finger after the share. Your job is to put the right link in front of the right customer at the right moment; Truvo carries everything after the click.
If you've been wondering what your referrals turn into behind the scenes, now you can follow them all the way through. See how it works or become a Truvo partner to start sending customers through a flow you can track end to end.