Loans and insurance are important decisions. Affiliate campaigns in these categories pay well per result because each customer is valuable, and they are strict about quality for the same reason.
How they pay
- CPL: a qualified enquiry with valid contact details.
- CPA: a policy issued or loan disbursed.
What makes a lead valid
- The person filled in their own details.
- They are eligible (age, income, location).
- They are not a duplicate.
- They expected to be contacted.
Promote responsibly
- Explain what the product is and who it suits.
- Say that approval and pricing depend on the provider’s checks.
- Encourage people to read policy documents and loan terms.
- Never promise approval, specific interest rates or claim outcomes.
Content ideas
- “Term insurance vs investment plans: what is the difference?”
- “What documents do you need for a personal loan?”
- “How to compare health insurance policies.”
Disclosure
Clear disclosure is essential. See ASCI disclosure rules.
Explaining products in simple words
Many people find loans and insurance confusing. Clear explanations are valuable content:
| Term | Simple explanation |
|---|---|
| Term insurance | Pays a sum to your family if you die during the policy term; no maturity payout |
| Health insurance | Covers hospital costs, subject to policy terms |
| Premium | What you pay for the insurance |
| Interest rate | The cost of borrowing money |
| Processing fee | A one-time charge some lenders apply |
| Credit score | A number lenders use to judge your repayment history |
Always link to the provider’s official documents for exact terms.
Encourage comparison
Good content helps people compare: coverage, exclusions, waiting periods, claim processes, interest rates, tenure and fees. Encourage your audience to read the policy wording or loan agreement before signing.
Sensitive situations
People looking for loans may be under financial stress. Be careful not to push borrowing. Explain repayment obligations and the cost of missed payments. Responsible content protects your audience and your reputation.
Lead quality rules
Campaigns often reject leads that:
- come from outside the eligible cities or age range
- have invalid phone numbers or emails
- are duplicates within a time window
- were generated with incentives or misleading promises
See conversion validation explained.
Regulatory awareness
Insurance and lending are regulated by IRDAI and RBI respectively. Do not make claims you cannot support, and avoid presenting yourself as an adviser unless you are licensed.
Key takeaway
Quality beats quantity. A few well-informed leads are worth more than many careless ones.
Frequently asked questions
What makes a lead invalid?
Duplicates, fake or incomplete details, people outside the eligible area or criteria, and leads generated through misleading promises.
Can I say a loan is guaranteed?
No. Approval depends on the lender’s checks. Promising approval is misleading.
Start earning with M2E
Create a free publisher account, apply to campaigns that suit your audience and get your own tracking link for each one.
Become a Publisher