What Partners Actually Get Paid For

Because a bound policy is proof of value. A click is curiosity. A lead is interest. A bound policy is a customer who got covered — the outcome everyone actually wanted.

Paying on bound policies aligns everyone:

1. It rewards results. You earn when your introduction produced real coverage, not just a tab someone closed.
2. It's more predictable. A stable share of your referrals will convert, so volume translates into reliable income.
3. It's fairer to both sides. The insurer pays for outcomes; you're compensated for outcomes you helped create.

For a non-licensed partner, "paid per bound policy" is usually the sweet spot: high enough per-event value to be worth it, tied to something real, and simple to keep compliant.

How is a referral reward calculated?

Most partner-friendly programs use a flat referral reward rather than a percentage of premium. That distinction is both practical and legal.

A flat reward means your earnings don't depend on how expensive the customer's policy is. A modest renters policy and a large homeowners policy can generate the same referral reward. That's deliberate: in most U.S. states, a non-licensed partner can accept a flat referral fee but cannot be paid a cut of the premium. Keeping the reward flat keeps you on the right side of that line.

How does attribution make sure you get credited?

You should never have to chase anyone for credit. Good programs track attribution automatically through:

• A unique referral link or code tied to your partner account.
• An embedded widget or flow that carries your attribution invisibly.
• A partner dashboard showing each referral's status — quoted, bound, pending, or paid — in real time.

When a customer you referred binds a policy, the system records it against your account. No manual claims, no he-said-she-said. The cleaner the attribution, the less you think about it and the more you trust the numbers.

When do partners actually receive the money?

There's usually a short gap between a policy binding and the reward landing, and it exists for a good reason.

The typical flow:

1. Your referred customer binds a policy; the reward is recorded as pending.
2. A short window passes to account for cancellations or clawbacks (a customer who cancels in the first days, for example).
3. Once the window clears, the reward moves to payable.
4. Payouts are issued on a set schedule — often monthly — to your chosen payment method.

That cancellation window protects the integrity of the program for everyone. It's why "bound" is the trigger but the payout settles slightly after.

What do partners not get paid for?

Setting expectations matters as much as the upside. You generally don't earn for:

• Clicks or page views alone — interest without action.
• Quotes that never convert — a customer who shops but doesn't buy.
• Policies that cancel inside the clawback window — coverage that didn't stick.
• Giving advice or steering — that's licensed work, and tying pay to it creates compliance problems.

None of this is a catch; it's what keeps the model honest. You're paid for introductions that turn into real, lasting coverage, and the program is structured so that's exactly what you're rewarded to produce.

How does Truvo's payout model work?

Truvo is an AI-native insurance brokerage. Non-licensed partners earn a flat referral reward per qualifying bound policy — a clean, compliant structure that pays for real outcomes, not clicks. Attribution runs automatically through your referral link or embedded flow, and a partner dashboard shows referrals and rewards from pending to paid. Truvo handles the licensing, quoting, advice, binding, and servicing.

If you're already sending customers toward homes, cars, and services, you're sitting on referral income you haven't collected yet. See how it works or become a Truvo partner to start getting paid for introductions you're probably already making.