Terms & Conditions

Last Updated: December 29, 2023



The Insurance Pro Agencies (“IPA”) referral program offers Loan Officers (“LOs”) the opportunity to receive free home buyer leads by referring their clients to IPA.


The program is based upon an at-will business referral relationship which may be terminated by either party at any time, for any reason.


NO PURCHASE OF INSURANCE REQUIRED


There are no rewards tied to or related in any way to the purchase of an insurance policy. All qualifications for rewards are based on referred customers obtaining an insurance quote.


QUALIFYING REFERRAL


To be counted as a referral, the client’s information must first be submitted on the website (Refer.InsuranceProAgencies.com) either by the LO through their direct link in the portal or by the customer themselves through the LO’s unique referral link. 


The contact form will trigger a notification to IPA’s support team to reach out to the customer by phone to begin their insurance quote during business hours.


Upon the successful transfer of the customer to IPA’s sales team for a quote, the status of the customer will change from “Lead Submitted” to “Quoted Referral” within the program website.


INELIGIBLE CUSTOMERS


LOs cannot refer themselves or members of their family living in the same household to generate qualified referrals and earn rewards.


Repeat submissions of a customer are not counted as additional referrals.


REWARDS & EXPECTATIONS


The program currently provides referring LOs with a proven marketing campaign, paid for and managed by IPA, to generate exclusive new home buyer leads for the LOs on a weekly basis.


LOs qualify for inclusion in the free home buyer leads campaign upon the first submitted lead that becomes a quoted referral.

The expectation is that IPA will be the exclusive insurance agency referral partner of the LO and that the LO will refer all new clients to obtain a homeowners quote with IPA.

The number of free home buyer leads distributed to the LO is not tied to the number of referrals but there is an expectation of ongoing monthly referrals from the LO in order for the relationship to continue.

IPA monitors the results of the program on a regular basis to ensure the viability of each referral relationship.
 

NO REWARDS TO CUSTOMERS


Due to varying insurance laws by state regarding rebating insurance premiums, referred customers are not eligible for any rewards though the program. Any rewards earned through this program by the LO cannot be offered or shared with referred customers. 


SHARING REFERRAL LINKS


The LO referral link may only be shared with personal connections through a direct, non-public communication. IPA reserves the right to disable, suspend, or cancel any referral links which are found displayed on any websites known to be used to sell, exchange, or distribute referrals to previously unknown individuals, such as Reddit, Invitation.codes, Refer.codes, Quora, and others. 


NO SPAM


Any emails sharing the LO’s referral link to customers must:

  • be created and distributed in a personal manner, 
  • not be distributed in a bulk manner, and
  • not be an unsolicited commercial email or a ‘spam’ message under any applicable law or regulation.
Any messages that do not abide by the requirements above are expressly prohibited and constitute grounds for immediate termination from this referral program. 


THANK YOU


Referrals are the lifeblood of an independent insurance agency, and we value and appreciate our referral partners. Thank you for supporting our family business!