What insurance platforms are up against.
The app is a renewal-time destination
Customers interact at purchase, claim, and renewal. Between those moments the app is dormant — and dormant apps lose the renewal when a cheaper quote appears.
New engagement products carry regulatory weight
Launching anything underwritten or financial to drive engagement means product approvals, capital, and risk review.
No monetisation between premiums
Premium revenue arrives once a year per policy. There is no incremental revenue from the customer relationship in between.
Built for insurance platforms, not retrofitted.
A daily-use reason to open the app
Merchant offers and rewards turn a renewal-time app into a regular destination.
No underwriting, no risk
Affiliate commission requires no new regulated product — it is earned on confirmed retail purchases.
Fast, lightweight integration
A single REST API integration, typically live in 2–3 days.
Higher app engagement and a commission revenue line that grows with usage.
How insurance platforms put it to work.
01
Member rewards section
A white-label offers area inside the policy app, giving customers ongoing value beyond the policy itself.
02
Engagement before renewal
Customers who open the app monthly for rewards are customers you can reach when renewal season arrives.
03
Commission between premiums
Every confirmed purchase through embedded offers generates affiliate commission — incremental revenue on the existing customer base.
One API between your platform and every affiliate network.
The rewards layer is fully separate from policy administration systems — your app calls one REST API and no policy or claims data is involved in tracking.
Merchant campaigns
Aggregated from every major network
MBO Rewards API
Normalised, deduplicated, ranked
Your platform
Renders offers in your UX
Server-side tracking
Opaque tokens, zero cookies
Confirmed commission
Webhooks + monthly statements
Zero PII stored
User identity is an opaque token MBO Rewards cannot reverse-map.
Server-side tracking
No cookies, pixels, or client-side scripts in your application.
Encrypted throughout
TLS 1.3 in transit, AES-256 at rest, tenant-isolated data.
Review-ready
An architecture designed to pass enterprise security review.
Revenue Opportunity Simulator
What is affiliate commerce worth to your insurance business?
Four questions, an executive dashboard, and a downloadable business case for your leadership team.
Questions insurance platforms ask us.
Does this touch policy or claims data?
No. The rewards layer is entirely separate from policy administration. Tracking uses an opaque user token with zero PII — no policy data is shared with MBO Rewards.
Is this a regulated product?
No. Merchant rewards and affiliate commission are retail commerce, not an insurance or financial product — no underwriting, capital, or product approval is involved.
What does the customer see?
A rewards or offers section in your app, in your brand. Merchant campaigns are ranked and refreshed automatically from the unified catalog.
What is the commercial model?
Revenue share on confirmed conversions only — no setup fees or monthly charges. Commission earned can also fund customer-facing reward value.
Talk to the team that will run your integration.
A 30-minute scoping call covers your platform, compliance requirements, and go-live plan. Most integrations complete in 2–3 days.