FAQ

🤝 Partnership & Contract

What counts as a valid quote?

A valid quote is a completed request submitted by a real person in the United States with a verified US mobile number who is shopping for insurance for themselves. We don’t pay for duplicate submissions, incomplete forms, or quotes our carrier partners reject as invalid.

How do you prevent fraud?

We protect our partners and our carriers with several layers: US-only access, mobile number verification, duplicate detection, and manual review of affiliate applications and unusual activity. We review flagged activity before approving commissions.

Do you require exclusivity, fixed contract terms, or minimum commitments?

No. Our Master Partner Agreement is completely non-exclusive and operates on an at-will basis. No minimum volume requirements, mandatory posting schedules, or long-term lock-ins.

Can we test this with selected shows first and expand later?

Yes. You can launch with a single show or channel, evaluate real-time conversion data in your dashboard, and expand across your production portfolio whenever you choose. You may stop promoting or terminate your account at any time without penalty.

Can I submit quotes for myself, family, or friends?

No. Self-referrals are automatically rejected. You may encourage your audience to get their own quote, but you may not submit quotes on someone else’s behalf or incentivize quotes with payment, gifts, or rewards

Can I run paid ads to my link?

Paid ads are allowed only with prior written approval. Bidding on brand names or insurance carrier names is not permitted. Use only your own content to drive traffic.

💰 Earnings, Payouts & Attribution

Does a fan need to make any purchase for us to get paid?

No. 100% Free / No Purchase Required. You earn revenue when a fan completes each and every offer on the site. Your audience never needs to spend a dollar or enter payment details. We get paid by the company we promote, then split the money with you in real time. You can see the money pour in as it is generated.

How are quote earnings calculated, and why do payouts vary?

We operate a dual monetization engine powered by real-time bidding:

1. Primary Quote Request Auction: We monetize each verified submission in real time through auctions with various companies. Payouts range dynamically from $0.00 for invalid profiles to $100.00+ per submission for high-intent, premium profiles.
2. Secondary Multi-Banner Click Yield: When fans click on various banner options or request secondary verticals, you earn supplemental payouts typically $10.00 to $80.00+ per qualified click.

Note: Historical benchmark figures represent network averages and fluctuate based on audience demographics, geography, credit profile, the time of day submitted (M-F 9-4 are the most profitable times) and carrier demand.

What are the payment terms, minimum thresholds, and payout methods?

• Low $20 Threshold: You can submit an electronic Payout Request anytime your cleared balance reaches $20.00 USD.
• On-Demand Payouts: Payouts are not automatically disbursed, giving independent creators maximum flexibility for tax planning.
• Payment Processor: We disburse all funds electronically via Wise (Wise.com) directly to your bank account or Wise balance.

Can earnings be charged back or reversed after they appear on the dashboard?

Standard earnings clear automatically upon verification. In cases of invalid phone numbers, bot traffic, or policy breaches, the Company reserves up to 30 days to audit traffic and adjust affected balances. These rare occurrences will appear on your dashboard.

Why was a commission rejected or flagged?

Common reasons are self-referrals, duplicate or invalid submissions, abnormal conversion patterns, traffic from prohibited sources, or quotes that failed verification. If you think a decision was wrong, contact [email protected] with the date and details, and we’ll review it.

How long does referral attribution last if a viewer returns later?

We utilize a 30-day first-party tracking cookie window. If a viewer clicks your unique link and returns anytime within 30 days to complete a quote request, the conversion and associated click revenue are credited to your account.

What traffic sources are not allowed?

Bots, traffic exchanges, “paid to click” or “paid to complete forms” sites, incentivized or cashback traffic, misleading links, and purchased traffic. We block certain referring sites automatically.

Do I have to disclose that I earn money?

Yes. The FTC requires clear disclosure of your financial relationship with us. Place a plain disclosure (for example, “I earn a commission when you request a quote”) near your link and in your video or caption, not hidden in a long list of hashtags or the description box.

What can I say about the offer?

Describe it accurately. Do not promise specific savings, guaranteed approval, or guaranteed rates, and do not imply that any insurance carrier endorses you or your content.

📺 Multi-Show & Multi-Platform Publishing

Can each show, host, or platform get its own tracking link?

Yes. Your Affiliate Dashboard allows you to generate unlimited custom Sub-IDs and unique tracking links. You can isolate performance, conversions, and revenue by specific show, host, platform, or individual episode.

What media channels and formats are approved for promotion?

You can promote across YouTube videos, Instagram posts/stories, bio links, podcasts, live broadcasts, recorded shows, websites, and opt-in email newsletters.

Prohibited Channels: Unsolicited text messaging (SMS blasting), cold/purchased email lists, automated telemarketing, or paid search bidding on carrier trademarks (e.g., Google Ads on “Geico” or “Progressive”) are strictly forbidden.

Are scripts required or are there forced promotional schedules?

No. We provide approved talking points, high-converting copy ideas, and mandatory disclaimers, but you retain full creative control over how you integrate the promotion into your content.

⚙️ How It Works & Viewer Experience

What does the viewer experience from start to finish?

1. Click: The viewer clicks your custom bio link or show description link.
2. Match (60 Seconds): They land on aiquotematch.com and complete a 60-second questionnaire.
3. Compare Options: Our AI matching engine displays custom carrier matches based on their profile.
4. Select Carrier: The viewer selects which carriers they wish to connect with or compare.

Does AI Quote Match “shotgun” user data to dozens of spam cold-callers?

No. Traditional lead brokers sell user information to dozens of aggressive telemarketers, creating a terrible user experience. AI Quote Match uses historical predictive models to match consumers only with the specific carriers most likely to offer them winning rates. Viewers choose exactly which carriers they want to hear from.

What required disclaimers must creators include?

• FTC Disclosures: Prominent disclosure of the affiliate relationship (e.g., verbal disclosure in audio/video and clear tags like #ad or #sponsored).
• Licensing Disclaimer: Creators must clearly state that AI Quote Match is a free online price comparison and carrier matching tool—NOT a licensed insurance agent, broker, or carrier. Creators cannot guarantee specific insurance rates or policy approvals.

Can you remove commissions or close my account?

Yes. We may reverse commissions on invalid or fraudulent quotes, and we may suspend or terminate accounts that violate these rules.

🔒 Partners, Performance & Privacy

Are carriers like Progressive, Geico, and Allstate direct partners?

We use a hybrid monetization network that combines direct carrier relationships, agency partnerships, and enterprise media display networks to maximize yield for every visitor.

Who handles data security, TCPA compliance, and customer support?

We manage all on-site TCPA consent compliance, data encryption, and technical operations on aiquotematch.com. Creators never collect, handle, or store consumer PII directly, insulating your brand from consumer privacy liabilities.