Insurance is extremely referral-driven. Trust + long customer lifetime value means agents already ask for referrals manually—now automate and track them.
Life events (moving, new car) = natural referral moments
Families discuss together. One policyholder brings relatives.
Business owners talk. B2B referrals have huge lifetime value.
Niche policies = tight communities who all refer each other.
"Thanks for your annual review! Refer a friend, both get $50 Amazon gift card."
"Add family members to your policy and earn $100 per referral."
"Refer another business owner, earn $500 credit on commercial policy."
"Renew + refer = double rewards. Policy discount + cash bonus."