Insurance vertical — AdvertisingML

Sub-verticals

Auto insurance: Quote-comparison content for U.S. drivers. Filters include state, age, driving record posture, prior coverage, vehicle type, and insurance score band where consented.
Home insurance: Comparison content for homeowners researching new policies or shopping at renewal. Filters include state, dwelling type, prior claims posture, mortgage-tied or open-market intent.
Health insurance (under-65 individual + family): Editorial content covering ACA marketplace plans, short-term medical, and supplemental options. Filters include household size, income band relative to FPL, current coverage status. Subsidy eligibility heuristics applied at capture.
Medicare (Medicare Advantage, Medigap, Part D): Editorial coverage of Medicare options for consumers approaching 65 or shopping during AEP/OEP. Filters include zip, plan type interest, prescription drug coverage, current carrier. State-licensed agent attestation required for delivery.
Life insurance: Term, whole, and final-expense decision support. Filters include age, coverage amount band, health-class self-disclosure, current policy posture.

Lead schema (representative)

Auto-insurance lead, shared tier:

{
    "lead_id": "aml_2026_AB...",
    "vertical": "auto_insurance",
    "tier": "shared",
    "consumer": {
        "first_name": "...", "last_name": "...",
        "email": "...", "phone_e164": "...",
        "address": { "state": "TX", "zip": "75204" },
        "dob_year": 1989
    },
    "vertical_data": {
        "current_carrier": "...", "current_premium_band": "...",
        "vehicles": [{ "year": 2021, "make": "...", "model": "..." }],
        "drivers": 2, "violations_36mo": 0,
        "homeowner": true
    },
    "consent": {
        "trustedform_cert_url": "https://cert.trustedform.com/...",
        "consent_language_version": "2026-05",
        "consent_timestamp_iso": "...",
        "ip": "..."
    },
    "source": {
        "property_id": "auto_compare_us",
        "user_agent": "...",
        "session_id": "..."
    }
}

Pricing bands (USD per accepted lead)

Sub-vertical	Shared	Exclusive	Phone-transfer
Auto insurance	$8 – $25	$22 – $55	$30 – $80
Home insurance	$10 – $35	$25 – $75	$35 – $95
Health insurance (U-65)	$12 – $40	$30 – $85	$45 – $120
Medicare (AEP/OEP)	$30 – $80	$70 – $180	$100 – $250
Life insurance	$8 – $30	$22 – $65	$30 – $80

Bands reflect typical advertiser bids at our floor configurations. Final bid is set by the advertiser and adjusted to clearing the volume target. Exclusive leads are delivered to a single advertiser; shared leads are delivered to up to three.

Compliance for the insurance vertical

TrustedForm Certify on every lead form. Cert URL delivered alongside lead payload.
State licensing acknowledgment. Advertisers attest at onboarding that they hold active producer licenses in every state they buy leads for. License numbers documented and reviewed annually.
Multi-seller consent disclosure with our maintained partners list, per post-IMC v. FCC framework. Consent language reviewed quarterly by external counsel.
State-law layered compliance. Florida Mini-TCPA (prior express written consent for autodialed sales calls), Oklahoma Telephone Solicitation Act, Washington TCPA — all honored in addition to federal TCPA + CAN-SPAM baselines.
Suppression list propagation. Opt-out requests propagate across the network and to all delivery partners within ten business days.

Onboarding

Insurance vertical onboarding takes 3 – 5 business days. Required documentation: state-issued producer license certificates, NPN, EIN, primary signer details for the master service agreement, and your preferred delivery endpoint (REST POST URL, email address, or named CRM).

Start at /advertise to begin onboarding, or contact insurance@advertisingml.com for a vertical-specific walkthrough.