Referral Program | IUL.org
All lead delivery is done inside the IUL.org CRM. Questions? [email protected]
Early access: this is our first round of testing, so expect a few rough edges. That is exactly why this is the most generous version of the program there will ever be, and it will not stay this way once we work the bugs out.
Referral Program

Do you know one agent who could use exclusive IUL leads, starting at $97 a week?

Send agents your link and be their hero. They finally get exclusive IUL leads they can close, at a price they can afford.

Get my referral link

Free to join. No purchase required. No card required. Get your link in under a minute.

You cannot be your own referral, and referrals cannot be traded between accounts.

How it works

Designed to help your agency scale fast.

For every exclusive IUL lead an agent you refer buys through our subscriptions, you earn one of your own, free.

Example: An agent you refer
$197/week
Part Time plan
They get
100
exclusive IUL leads / week
You earn, free
100
exclusive IUL leads / week

They pay for their leads. You earn the same number, free, every week they stay subscribed. Refer an agent on your own plan and you have doubled your weekly leads. Only lead subscriptions earn a match, and earned leads are released to you when you request them.

Now scale it

Refer more. Earn more.

Every agent you refer stacks on top of the last. Mix any plans you like and watch your free weekly leads add up.

How many agents will you refer?
New Agent
40 leads a week for you and the agent you refer
Only $97 per week
3
Part Time
100 leads a week for you and the agent you refer
Only $197 per week
11
IUL Professional
500 leads a week for you and the agent you refer
Only $697 per week
4
Free, every week, for you
3,220
exclusive IUL leads a week
That is 12,880 a month
How fast could your team grow with 3,220 exclusive IUL leads a week?

Illustration only. Earned leads accrue to your balance each week a referral keeps paying, and are released when you request delivery, as inventory allows. Nothing here is a projection or guarantee of any result, and we make no claim about what any agent will earn. See the Program Terms.

Your leads, your call

Too many leads? Impossible.

Work them, pass them to your producers, bank them, or put them up as a prize. However many you earn, you decide what happens to them.

Work them

Call and close them yourself, on top of your own book.

Pass them down

Transfer earned leads to an agent on your team who has an IUL.org CRM, in blocks of 200 or more.

Bank them

Leave them in your balance. They never expire, so request them when the timing works.

Run a contest

Put a 200-lead block up as the prize and light a fire under your team.

Leads stay inside the IUL.org platform. Moving leads to another agent is done through our transfer process, in blocks of 200 or more, and the receiving agent needs an IUL.org CRM and has to accept our lead terms before anything is delivered. Exporting lead data out of the platform is not permitted.

Why the ask is easy

Why agents buy our IUL Leads

You are not selling them something new. You are pointing them at something they already budget for.

Exclusive

Every lead goes to one agent only. Never shared, never resold, never recycled.

Already budgeted

Agents plan a weekly lead spend already. This just plans it for them.

Under their name

Every prospect is introduced by email under their name before they call.

Three steps

About a minute to start

1

Get your link

Enroll free in under a minute. No purchase and no lead plan required.

2

Send it to an agent

Any agent who buys leads. They already buy them somewhere, so it is an easy ask.

3

Earn free leads

When they start a lead subscription, you start earning the same number of exclusive IUL leads, free, every week they keep paying.

Common questions

How many free leads do I earn?

One exclusive IUL lead for every lead your referral's subscription includes, every week they keep paying. Refer someone on a larger plan and you earn their full volume. It stacks with every agent you refer. Only lead subscriptions count: CRM, training, add-ons, upsells, and usage charges earn nothing.

When do the leads show up?

They accrue to your balance as your referral pays, and nothing is pushed to your CRM automatically. Request any amount at any time, or set a standing weekly delivery, and we release them as inventory allows. Balances never expire.

Do I need to be a subscriber?

No. Enrollment is free and no lead subscription is required. To take delivery you need an active IUL.org CRM account ($100 per year), because that is where every lead is delivered, plus the insurance licenses for the outreach you intend to do. You can enroll and accrue without either and transfer your balance to an agent who has them.

What can I do with the leads I earn?

Work them yourself, leave them in your balance, or transfer a block of 200 or more to another agent who has an IUL.org CRM and accepts our lead terms. Leads stay inside the platform: exporting lead data out of IUL.org is not permitted.

What if my referral cancels or charges back?

Accrual stops when they stop paying. A refund, reversal, or chargeback claws back the leads earned from the affected billing cycles. Weeks that were paid and never disputed are not affected.

Anything else I should know?

Two things. Say up front that you earn free leads whenever you promote us publicly, using the wording in the Program Terms. And because leads are a non-cash reward with real value, we collect a W-9 before your first delivery and report the fair market value of what you actually receive, so request only what you will work.

Refer an agent. Double your leads.

You already know an agent who buys leads. Send them your link.

Get my referral link
Summary only. The Referral Program Terms and the Terms of Service govern the program and control over anything on this page. Enrollment is free and requires no purchase. Only a referred agent's lead subscription purchases earn a reward; CRM access and renewals, training, coaching, courses, setup and done-for-you services, add-ons, upsells, and usage-based charges earn nothing. For each week a referred agent maintains an active lead subscription, the participant accrues one exclusive IUL lead for every lead included in that agent's plan. Rewards are provided in exclusive IUL leads, never in cash, credit, discount, or commissions of any kind. Rewards accrue to the participant's balance and are not delivered automatically; delivery is by request or standing instruction, into an active IUL.org CRM account ($100 per year), and is released as inventory and platform conditions allow. Taking delivery to your own account requires the insurance licenses applicable to your intended outreach. Accrued rewards do not expire, are not a bank account, wallet, stored value, or account credit, carry no cash value, and are not a debt or property right. Rewards may be transferred only through IUL.org's transfer process, in blocks of 200 or more, to an agent who holds an IUL.org CRM account and accepts the applicable lead terms; exporting or routing lead data outside the platform is prohibited. Referral attribution is tracked for 365 days from the click, the referral portal is the official record, tracking is not guaranteed, and attribution is never reassigned between participants. No reward is earned for anyone already present in IUL.org's records at the time of the click, for any affiliated person or account, or for reciprocal or coordinated referral arrangements. Accrual stops when a referred agent's subscription lapses, and rewards reverse on refunds, reversals, and chargebacks. Non-cash rewards are reportable at fair market value; a signed IRS Form W-9 is required before a first delivery or transfer. The program pays one level only: there is no downline, override, team volume, or reward for enrolling anyone. This is a referral program, is not an offer of employment, and is not a business opportunity or franchise. IUL.org makes no representation or guarantee regarding referrals earned, lead performance, or any income or business result. The match ratio, rates, attribution window, transfer minimum, and program availability may change prospectively at any time. IUL.org is operated by Media Holding Group, LLC.