Affiliate Program Agreement

The English version of legal agreements and policies is considered as the only current and valid version of this document. Any translated version is provided for your convenience only, to facilitate reading and understanding of the English version. Any translated versions are not legally binding and cannot replace the English versions. In the event of disagreement or conflict, the English language legal agreements and policies shall prevail.


This Affiliate Program Agreement (also “Agreement”, “Affiliate Agreement”, “Terms and Conditions”, “Affiliate Terms and Conditions”, ) is entered into by and between iBroker Insurance Services LLC dba: iBroker Digital Insurance Services, a Delaware limited liability company (“iBroker”) and the Partner (also ”You”, “Affiliate Partner”, “Affiliate”, “Solicitor”), and is made effective as of the date of electronic acceptance. This Agreement sets forth the terms and conditions of your use of the Affiliate Program (the “Affiliate Program” or the “Services”). Your electronic acceptance of this Agreement signifies that you have read, understood, acknowledged and agreed to be bound by this Agreement, along with iBroker’s  Universal Terms Of Service Agreement, which is incorporated herein by reference. The terms “we”, “us” or “our” shall refer to iBroker Insurance. The terms “you”, “your”, “User”, “customer” or “Affiliate” shall refer to any individual or entity who accepts this Agreement. Nothing in this Agreement shall be deemed to confer any third-party rights or benefits. iBroker Insurance, in its sole and absolute discretion, may change or modify this Agreement, and any policies or agreements which are incorporated herein, at any time, and such changes or modifications shall be effective immediately upon posting to the iBroker website (this “Site”). You acknowledge and agree that (i) iBroker may notify you of such changes or modifications by posting them to this Site and (ii) your use of this Site or the Services found at this Site after such changes or modifications have been made (as indicated by the “Last Revised” date at the top of this page) shall constitute your acceptance of this Agreement as last revised. If you do not agree to be bound by this Agreement as last revised, do not use (or continue to use) this Site or the Services found at this Site. In addition, iBroker may occasionally notify you of changes or modifications to this Agreement by email. It is therefore very important that you keep your account (“Account”) information, including your email address, current. iBroker assumes no liability or responsibility for your failure to receive an email notification if such failure results from an inaccurate or out-of-date email address.


  1. iBroker Insurance is a licensed insurance Broker/Agent, pursuant to such licensure, is authorized to offer life, health and P&C insurance policy products within it’s approved service area as defined in appendix A. 
  2. Solicitor Firm and its principal persons, employees and subcontracted agents, as applicable, are providing services of advertising iBroker Insurance and web links provided by iBroker Insurance. 
  3. iBroker Insurance wishes to contract with Solicitor Firm for the provision of marketing and solicitation services, and Solicitor Firm wishes to provide such services to iBroker Insurance. 

NOW, THEREFORE, in consideration of the mutual promises and covenants contained in this Agreement, the parties do hereby agree as follows: 

1. Appointment of Solicitor Firm

iBroker Insurance appoints Solicitor Firm to market, and solicit iBroker Insurance life, health or P&C coverage products as specified in this Agreement. This agreement will become effective upon execution of this agreement by both parties, and shall be subject to all of the terms and conditions set forth herein. Solicitor Firm is authorized to share links provided by iBroker Insurance, to perform services under this Agreement. 

2. Solicitor Firm Authority and Obligations (the “Services”) 

Solicitor Firm shall, and shall cause its principal persons, employees and Agents to use best efforts to solicit applications of prospective businesses, groups and individuals (as applicable) under this Agreement by providing referral links and discussing the iBroker Quote Platform.

3. Limitations to Solicitor Firm Authority

Solicitor Firm and it’s Agents are not licensed by the State of California to sell or service insurance policies, nor to receive claims from iBroker’s Insurance clients.  Neither are Solicitor Firm and persons described licensed to assist subscribers through the coverage application, underwriting and enrollment processes. Solicitor Firm and persons are only providing services of advertising iBroker Insurance and web links provided by iBroker Insurance. 

3.1 iBroker reserves the right to request any additional information about each website, where iBroker is promoted and any additional information about the practices used to promote iBroker on those websites.

3.2 The Affiliate should not engage in any blackhat SEO/spam link building techniques in order to generate more referrals for iBroker.

3.3 The Solicitor Firm and its Agents have no authority to institute legal or administrative proceedings 

    • in iBroker Insurance Services LLC’s name, 
    • in Carrier Partners names, 

Nor do Solicitor Firm and it’s Agents have authority to institute such proceedings 

    • in connection with iBroker’s own insurance or 
    • its Carrier Partners’ own insurance.

Nor do Solicitor Firm and its Agents have authority to institute legal or administrative proceedings regarding

    • Policies which iBroker Insurance Services LLC brokered,
    • Policies which Carrier Partners underwrote.
4. Independent Contractor Relationship

The parties agree that Solicitor Firm and its Agents are an independent contractor, and not an employee, agent, or partner of, or joint venture with, iBroker Insurance or any of its carrier partners. Nothing contained in this Agreement shall be construed to create an employer and employee relationship between iBroker Insurance and the Solicitor Firm or any of Solicitor Firm’s principal persons, employees or Agents. Neither Solicitor Firm nor its principal persons, employees and Agents shall not hold themselves out as an employee, partner, joint venture or officer of iBroker Insurance; nor as an agent of iBroker Insurance in any other manner, or for any other purpose, except as specifically provided in this Agreement. iBroker Insurance shall thus not exercise control over the methods by which Solicitor Firm performs its obligations under this Agreement. Notwithstanding the foregoing, iBroker Insurance shall retain all oversight and administrative responsibility for the Services rendered by Solicitor Firm under this Agreement,

5. Compliance

5.1 All iBroker Insurance Solicitor Firms are responsible for preventing, detecting and reporting suspected fraud, waste and abuse. If a contracted Solicitor Firm detects any suspicious activity, The Solicitor Firm is required to notify the iBroker Insurance. 

5.2 There is no couponing of policies iBroker Insurance brokers. 

5.3 Unless approved in writing by iBroker Insurance, solicitor will not bid on the iBroker brand, including but not limited to “Ad text”, “Keywords”, domains. 

6. Compensation

iBroker Insurance shall pay compensation to Solicitor Firm as described in this section 6 and in Exhibit A: 

6.1 Marketing Fees, net of any charges such as for advances, return fees or debts due iBroker Insurance, shown on the monthly accounting, shall be paid as set forth in Exhibit A. Such Marketing Fees shall constitute full compensation for services performed under this Agreement. iBroker Insurance may revise Exhibit A as deemed necessary with 45 days notice. All new and renewal Marketing Fees will be paid in accordance with the Marketing Fee schedule in effect at the time the Marketing Fee is due. 

6.2 Marketing Fee payments will be made only on new business and in accordance with Exhibit A. New business is defined as an account which has not purchased a policy from iBroker Insurance, during the (12) months prior to the effective date of the policy or service plan. All business that is not new business is renewal business. 

6.3 Marketing Fees will be paid monthly. The iBroker Insurance policies, procedures and Marketing Fee schedules in effect at the time a Marketing Fee payment is due shall apply. To receive Marketing Fee payment pursuant to this Agreement, the Solicitor Firm must be in compliance the entire term of this Agreement. The minimum payout amount for Paypal withdrawal is $100. The minimum payout for Wire Transfer is $500.

6.4 Should iBroker Insurance, in its sole discretion, for any reason refund or credit to the customer any premium during the first month, iBroker Insurance may adjust compensation paid to the Solicitor Firm for such premium. The Solicitor Firm grants a paramount and prior lien upon its account and upon any compensation due hereunder to secure the repayment of any net negative amount of the Solicitor Firm’s account or any other amounts owed by the Solicitor Firm to iBroker Insurance under this Agreement. iBroker Insurance is authorized, at any time either before or after the termination of this Agreement, to deduct from any compensation due from iBroker Insurance to the Solicitor Firm the entire amount of any funds owed by the Solicitor Firm to iBroker Insurance. Any compensation paid to the Solicitor Firm for premiums later refunded or credited to the customer, or any overpayment of compensation shall be a debt due iBroker Insurance from the Solicitor Firm. 

6.5 Solicitor Firm shall be responsible for taxes on compensation earned under this Agreement.

6.6 Coverage Territory. No compensation shall be payable to Solicitor Firm with respect to: (i) for group business, any subscriber that does not live, work or reside in the iBroker Insurance service area (as described in Section 6.2), or (ii) for individual business, any individual that does not live or reside in the iBroker Insurance service area (each as reasonably determined by iBroker Insurance). In no event shall compensation be paid hereunder with respect to any business that does not conform to iBroker Insurance’s underwriting guidelines. 

7. Advertisements and Collateral

Solicitor Firm acknowledges that any and all advertisements to be used in the marketing of iBroker Insurance products shall not be used without the express prior written consent of iBroker Insurance. In the event that Solicitor Firm intends to use any advertisement in the marketing of iBroker Insurance coverage products in any medium (including without limitation print, audio, or audio/visual), Solicitor Firm shall provide complete copy of the proposed advertisement to iBroker Insurance for review a minimum of thirty (10) days prior to the proposed use of such advertisement. Notwithstanding the forgoing, failure of iBroker Insurance to approve any proposed advertisement within such thirty (10) day review period, shall not be deemed consent by iBroker Insurance to the use of such advertisement. Any advertisement that iBroker Insurance provides to Solicitor Firm, or with respect to which iBroker Insurance consents in writing to use by Solicitor Firm, shall only be used by Solicitor Firm only in the unaltered form and format in which such advertisement was approved for use. Solicitor Firm shall not alter, modify, waive or change any of the terms, rates or conditions of any advertisements or other promotional collateral, receipts, policies or contracts of iBroker Insurance in any respect. 

8. Assignment and Delegation

Neither party may, directly or indirectly, in whole or in part, either by operation of law or otherwise, assign or transfer this Agreement or delegate any of its obligations under this Agreement without the other party’s written consent. Any attempted assignment, transfer or delegation without such prior written consent will be void and unenforceable. 

9. Indemnification

The solicitor firm and any of their agents (if applicable) agree to assume liability, jointly and severally, for the content of any advertisement they have caused to be published and any claim arising from such publication, including, but not limited to, claims for libel, invasion of privacy, commercial appropriation of one’s name or likeness, copyright infringement, trademark, trade name or patent infringement, commercial defamation, false advertising, or any other claim whether based in tort or contract, or on account of any state or federal statute, including state and federal deceptive trade practices acts. In addition, the solicitor firm and it’s agents agree, jointly and severally, to indemnify, defend and hold iBroker Insurance Services LLC harmless for all claims (whether valid or invalid), lawsuits, judgments, liabilities, damages, losses, costs and expenses of any nature (including the assessment of reasonable attorneys’ fees) resulting from or caused by the publication of any advertisement placed by the solicitor firm or its agents.

In no event shall either party be liable in indemnification hereunder to the extent that such indemnification obligation results from the negligence of the Indemnified Party (including its personnel and subcontractors), or performance or nonperformance of the Indemnified Party’s obligations under this Agreement, or the actions or omissions of the Indemnified Party’s personnel or contractors in connection with the Indemnified Party’s performance of this Agreement. 

9.2 Procedure for Handling Third Party Liabilities. Each party shall provide prompt written notice to the other party upon learning of any occurrence or event that may result in an obligation of the other party under Section 9.1, provided that the omission by a party to give notice of a claim as provided in this Section 9.2 shall not relieve the other party of its obligations under Section 9.1 except to the extent that (i) the omission results in a failure of actual notice to the other party and (ii) the other party suffers damages as a result of the failure to give notice of the claim. 

9.2 Definitions. For purposes of this Section 9, the following terms shall have the following meanings: 

9.2.1 “Liabilities” shall mean and refer to any and all claims, legal or equitable causes of action, suits, litigation, proceedings (including a regulatory or administrative proceedings), grievances, complaints, demands, charges, investigations, audits, arbitrations, mediation or other process for settling disputes or disagreements, including, without limitation, any of the foregoing processes or procedures in which injunctive or equitable relief is sought (collectively, “Liabilities”) 

9.2.2 “Expenses” shall mean and refer to any and all costs, expenses and fees, including costs of settlement, attorneys’ fees, accounting fees, and expert costs and fees incurred in connection with Liabilities which are the subject of indemnification or reimbursement under this Agreement or Losses or Judgments arising from such Claims. 

9.2.3 “Judgments” shall mean and refer to any judgments, writs, orders, injunctions or other orders for equitable relief, awards or decrees of or by any court, judge, justice or magistrate, including any bankruptcy court or judge and any order of or by any Governmental Authority. 

10. Termination without Cause. 

10.1 Either party to this Agreement on one (1) days’ written notice to the other may terminate this Agreement by mai or email l to the last known address. 

10.2 If this Agreement is terminated by either party without cause, business created prior to termination date by solicitor firm will be treated as if the terms of Section 6, above, remained in-force during the first 12 months this Agreement is in-force. 

10.3 At any time you can cancel and terminate your affiliate account by contacting us via email. iBroker Insurance will send you a confirmation that your account has been terminated, as requested.

10.4 After an affiliate account is terminated, the sales associated with the affiliate will no longer be tracked by us and you will no longer qualify for any future Commissions. Additionally Affiliate will be considered an inactive Affiliate if the account will not have any new Conversions for the last six months and such accounts will be parked as dormant. If any Commissions are due at the time of termination, they will be paid to the Affiliate after any applicable holding period with the regular payout cycle. No outstanding Commission payments will be due if your account is terminated due to the violation of these Terms and Conditions and an administrative fee of 125 USD will be due by the Affiliate.

10.5 Once the Affiliate account is terminated, the Affiliate is obliged to remove any and all promotional materials, links, logos, trademarks, and slogans of iBroker Insurance from his or her website within a period of 3 business days. This provision survives the termination of the Affiliate Agreement. Upon the termination of this Affiliate Agreement, the Affiliate no longer has the right to use any of iBroker’s trademark(s), logo(s), and slogan(s) and will refrain from any actions that may affect the reputation, the image and any business relations with current and potential clients of iBroker, directly or indirectly.

10.6 Once the Affiliate account is terminated, this Affiliate Agreement is terminated automatically.

11. Termination for Cause.  

Without restricting the right of iBroker Insurance to terminate the Agreement on one (1) days’ written notice, iBroker Insurance may immediately terminate this Agreement for cause upon written notice to the Solicitor Firm, at its last known address, for the following reasons: 

11.1 If Solicitor Firm breaches a term of this Agreement, iBroker Insurance may terminate this Agreement immediately by notifying Solicitor Firm in writing of the effective date of termination. The effective date of termination pursuant to this Section may be the date of the breach, or any later date that iBroker Insurance specifies in the notice of termination; 

11.2 If Solicitor Firm fails to comply with the policies and procedures of iBroker Insurance or the laws of any regulatory authority having jurisdiction over the parties; 

11.3 Upon Solicitor Firm’s dissolution, receivership, insolvency, or bankruptcy; 

11.4 If Solicitor Firm engages in, or knowingly assists another to commit, fraudulent or dishonest activity in connection with the solicitation, enrollment or renewal of any customer, whether a customer of iBroker Insurance or not, this Agreement shall terminate effective as of the date on which Solicitor Firm engaged in or assisted with such activity without regard to when iBroker Insurance learns of the fraudulent or dishonest activity or when iBroker Insurance notifies Solicitor Firm that this Agreement has been terminated. iBroker Insurance may recover any compensation paid to Solicitor Firm after Solicitor Firm engaged in, or knowingly assisted another to commit, the fraudulent or dishonest act without regard to when Solicitor Firm actually earned such compensation. 

Effect of Termination. 

Upon termination of this Agreement, appointment of Solicitor Firm, and its authorization of all Agent to perform services pursuant to this Agreement shall terminate on the effective termination date. Unless specifically stated otherwise, if Solicitor Firm is terminated for cause, no compensation will be due the Solicitor Firm subsequent to the effective date of termination. 

12. Waiver. 
Failure of iBroker Insurance to enforce compliance with the terms and conditions of this Agreement shall not be construed as a waiver of the right to exercise the same at any time. 
13. Ownership of Proprietary Rights. 

13.1 Solicitor Firm agrees that iBroker Insurance shall be the owner of all proprietary rights in and to any documentation, records, text and other works of authorship, data, databases, information, know-how, conceptions, discoveries, inventions, designs, symbols, names, procedures, methods, processes, improvements, products, prototypes, samples, trade secrets and other property and materials, tangible or intangible, whether or not patentable or registerable under copyright, patent or similar laws, within the foregoing: (i) furnished to Solicitor Firm, or to which Solicitor Firm is given access by iBroker Insurance in connection with the performance of this Agreement; and/or (ii) conceived, reduced to practice, or otherwise created, authored, developed or generated in connection with performance of this Agreement by Solicitor Firm either solely or jointly with iBroker Insurance (collectively, the “Intellectual Property”). Solicitor Firm shall not have any interest in such Intellectual Property. Accordingly, Solicitor Firm hereby assigns to iBroker Insurance all of Solicitor Firm’s right, title and interest in and to the Intellectual Property. Solicitor Firm further acknowledges its obligation to assist iBroker Insurance or its designee, at iBroker Insurance’s (or designee’s) expense, in every proper way to secure iBroker Insurance’s, or its designee’s, rights in the Intellectual Property and any copyrights, patents, trademarks, moral rights or other intellectual property rights relating thereto. This obligation includes maintaining and preserving accurate and complete records of all pertinent information and data with respect thereto (“Records”), disclosing to iBroker Insurance or its designee all Intellectual Property and Records, and executing all applications, specifications, oaths, assignments, recordations and instruments necessary to obtain, maintain and transfer such rights to iBroker Insurance or its designee (or, if not transferable, to waive such rights). The parties further agree that nothing in this paragraph or in this Agreement shall limit iBroker Insurance sole and exclusive intellectual property rights in and to its own data provided to Solicitor Firm during the course of this Agreement. 

13.2 Notwithstanding the above: 

13.2.1 A party may disclose Confidential Information as required by law, provided that such disclosing party provides reasonable prior notice to the other party to enable such other party to attempt to prevent or limit the disclosure and the disclosing party assists the other party upon request in seeking relief from or limiting the disclosure. 

13.2.2 iBroker Insurance may disclose contract terms, conditions and pricing terms, as well as other Confidential Information, including vendor and other third party confidential information, to those parties and/or consultants not already mentioned above that iBroker Insurance has or will contract with or retain in the course of managing its business, provided those parties/consultants agree in writing that they shall not use or divulge such Confidential Information to any third party except as necessary for the discharge of their obligations to iBroker Insurance or as required by law. 

13.2.3 iBroker Insurance may disclose contract terms, conditions and pricing terms, as well as other Confidential Information to state and federal agencies, including but not limited to the California Department of Insurance, or the California Department of Managed Health Care, that have regulatory authority for licensing and compliance oversight of iBroker Insurance operations. 

13.2.4 A party may disclose Confidential Information with the prior written consent of the other party. 

14. Notice. 

Unless otherwise set forth explicitly herein, any notice required or permitted under this Agreement shall be given in email or writing, to the other party, by hand, via nationally recognized overnight delivery service, or via Certified Mail, Return Receipt Requested, postage prepaid, addressed as follows: 

If to iBroker Insurance:

iBroker Insurance Services LLC

1910 Pacific Avenue,

Suite 2000, PMB 1101,

Dallas TX 75201

15. Severability. 

In the event that any term or condition of this Agreement is determined to be invalid or unenforceable by a Court of competent jurisdiction, such term or condition shall be severed from this Agreement and the remaining terms and conditions shall be given their full force and effect. 

16. Governing Law. 

This Agreement and all transactions contemplated by this Agreement shall be governed by, and construed and enforced in accordance with the laws of the State of Delaware. 

17. Mandatory Binding Arbitration. 

Any controversy, dispute or claim arising out of the interpretation, performance or breach of this Agreement shall be resolved by binding arbitration at the request of either party, in accordance with the Commercial Rules of the American Arbitration Association. Such arbitration shall occur in the County of Tarrant, Texas, unless the parties mutually agree to have such proceeding in some other locale. The arbitrators shall apply Delaware substantive law and federal substantive law where state law is preempted. The provisions of Delaware law concerning the right to discovery and the use of depositions in arbitration are incorporated herein by reference and made applicable to this Agreement. Under no circumstance do the arbitrators have the right to impose punitive damages. 

17.1 Solicitor Firm and its Agents shall not initiate litigation in any dispute between Solicitor Firm or an Agent and any applicant or subscriber, without the prior written consent of iBroker Insurance. 

18. Entire Agreement

This Agreement, including the Recitals and Exhibits, which are specifically incorporated herein, constitutes the entire agreement between the parties. This Agreement may be modified only in writing signed and dated by each party’s management level representative who has actual signature authority to legally bind the party on whose behalf the signature is made. 

By their signatures below, each of the following represent that they have the authority to execute this Agreement and to bind the party on whose behalf their execution is made. 

IN WITNESS WHEREOF, the parties have accepted and agreed to this Agreement as of the 

Effective Date. 

FOR iBroker Insurance Services LLC: Davis Hoffman

Vice President of Sales 






(Internal Use Only) iBroker Insurance ID: 

Exhibit A 

Compensation Schedule 

The compensation for sales of these iBroker Insurance health care coverage products will be effective January 1, 2022 and Marketing Fee to Solicitor Firm will be paid after this date as follows: 

Solicitor Firm Marketing Fee 

  • $100 per life insurance policy sold, which stays in force at least 60 days
  • 25% of revenue from new small business policies which stay in force at least 60 days. 
  • Flat-rate, negotiable price based on nature of the promotion


Insurance is regulated on a state level and iBroker Insurance sells policies in states where it is approved by the state department of insurance. iBroker Insurance Services LLC is licensed in the following states for Life Insurance:

California, Texas, New York, Florida, Illinois.

iBroker Insurance Services LLC is licensed in the following states for Property & Casualty Insurance: 


As additional states are added this appendix will be updated. 

iBroker Insurance operates in California under the dba: iBroker Digital Insurance Services.

We retain the right to change the Commission structure and the method of calculation of the Commission at any time. Other Commission plans are not offered as standard but could be discussed with your Account Manager after review of the Partnership.