From quote to covered to earning

Step by step

Your path from first quote to first payout.

1. 1

   Step 01

   Tell us what you need

   Pick Life, ACA Health, Medicare Advantage, Personal Auto, Renters or Pet and answer a handful of plain questions. No forms full of jargon, no phone calls.

   

   Life

   

   ACA Health

   

   Medicare Advantage

   

   Personal Auto

   

   Renters

   

   Pet

2. 2

   Step 02

   Compare ranked quotes

   Pet quotes come live from PetInsurer, ACA Health estimates from the HealthCare.gov Marketplace, and auto, life, Medicare Advantage and renters show AI estimates until live feeds connect. Everything is ranked by monthly cost with coverage, deductible and highlights side by side, labelled by source, and saved to your account.

   

   Ranked by monthly cost

   Saved to your account

   1. 1

      Pet

      Live from PetInsurer

      Live quote
   2. 2

      ACA Health

      HealthCare.gov Marketplace preview

      Preview estimate
   3. 3

      Auto, life & more

      Generated from your answers

      AI estimate
3. 3

   Step 03

   Get referred to the carrier

   Choose a quote and we hand you off to that licensed provider (or, for AI estimates, the partner comparison site) to finish the application. They underwrite, bind and service the policy. We never touch your money or your claim.

   

   InsuranceGain

   Licensed carrier

   • They underwrite, bind and service the policy
   • We never touch your money or claim
4. 4

   Step 04

   The carrier confirms your policy

   When the carrier confirms your policy and first payment, full earning unlocks automatically. Until then you can earn up to $200, which becomes withdrawable once the policy is confirmed. Renewals don't change or reset anything.

   

   Policy confirmed

   Carrier approval and first payment

   Full earning unlocked

   Pre-policy rewards become withdrawable

5. 5

   Step 05

   Earn up to your monthly premium

   Press Earn and our earning platform opens in a new tab, already signed in: surveys, videos, subscriptions, product reviews, cashback and games — the same engine behind RentGain and CollegeGain. Each month you can earn up to the monthly premium of your confirmed policies, and every reward lands in your InsuranceGain balance.

   Earning platform

   Opens in a new tab

   • SurveyInstant payout
   • VideoInstant payout
   • SubscriptionAfter merchant confirms
   • Product reviewAfter brand approval
   • Cashback storeAfter store confirms
   • Partner offerAfter partner confirms
   • Game / appPer goal reached
   • Up to your monthly premiumEvery month, per policy
6. 6

   Step 06

   Get paid, directly to you

   With a confirmed policy and a one-time identity check, payouts go to your PayPal automatically. Your first payout arrives within 60 days of the confirmed policy and identity check; you keep paying the carrier as usual.

   

   Payout to your PayPal

   Sent automatically

   Within 60 days

   Policy confirmedIdentity checkPaid