Version referral-partner-v1-2026-07-23

Referral partner terms

Protects Life may pay an approved partner $25 for a legitimate, unique consumer request that the consumer submits and confirms. The reward is not based on contact, qualification, an application, purchase, policy, premium, or insurance commission.

Partner conduct

Partners must not send spam, buy or scrape contact lists, submit a request for someone else, make promises about insurance, collect health details, or present themselves as an insurance producer unless properly licensed and approved for that activity. Consumers must submit their own contact information.

Privacy

A partner may see only the consumer's first name, last initial, submission date, referral status, and reward amount. Partners must use that limited view only to identify their referral and must not try to obtain hidden contact, insurance, quote, or sales information.

Review and payment

Protects Life checks identity matches, fraud signals, confirmation, and program rules. Accepted rewards have a seven-day hold and are normally grouped into weekly payments after payout setup. Protects Life may reject, reverse, delay, or review a reward for duplicate, synthetic, self-referred, fraudulent, disputed, or unlawful activity.

Taxes and suspension

Partners are responsible for their tax duties and must provide payout records requested by Mercury. Protects Life may suspend an account or referral link for rule, compliance, security, or fraud concerns.