Affiliate Disclosures

Last updated: April 2026

How We Earn Money

LumenaIQ earns commissions when you request a quote or purchase an insurance policy through affiliate links on this site. This is how we fund our research and keep our content free.

Our Affiliate Partners

• Embroker — We earn a commission for each signup through ShareASale.
• Hiscox — We earn a commission for each quote request through CJ Affiliate.
• Thimble — We earn a commission for each lead through Impact.

Editorial Independence

Affiliate relationships do not influence our editorial content, our coverage-category mapping, or which carriers appear in Coverage Navigator output. Our analysis is based on publicly available information, carrier documentation, and independent research. When a carrier appears in Coverage Navigator output for a given profile, it is because the carrier matches the coverage categories the profile maps to and is documented in our provider registry. Commission rates do not influence which providers surface for which profiles.

FTC Compliance

In accordance with FTC guidelines, we disclose all material affiliate relationships. Affiliate links are marked on every page where they appear.