15 Best Retirement Affiliate Programs In 2026

Retirement affiliate programs play a vital role in helping individuals achieve lasting financial independence and peace of mind. These programs offer essential tools and services to build wealth, secure future savings, and plan for a comfortable retirement. From investment platforms to retirement savings accounts, affiliates can promote solutions that empower people to take control of their financial future. In this guide, we’ve rounded up over 15 of the best retirement affiliate programs for 2026, featuring top services that support smart investing, retirement planning, and long-term financial growth.

Whether your audience includes those nearing retirement or younger investors planning ahead, these programs provide valuable opportunities. With offerings such as annuities, insurance plans, long-term care services, and travel perks, these affiliate partnerships help make the retirement journey both secure and fulfilling.

What Are Retirement Affiliate Programs?

Retirement affiliate programs are partnerships that allow marketers to promote trusted financial products and services designed for retirement planning, including investment accounts, savings plans, and insurance solutions. Affiliates earn commissions whenever a referred user signs up, invests, or purchases through their unique referral link. These programs provide a rewarding opportunity to earn passive income while helping others secure their financial future by recommending reputable tools and platforms that support long-term retirement goals.

Benefits of Affiliate Marketing for Retirees

Affiliate marketing offers several advantages for retirees looking to earn additional income while maintaining flexibility and enjoying their free time. Here’s why affiliate marketing is an attractive option for retirees:

• Extra Income Without Full-Time Commitment
  Affiliate marketing provides a low-stress way to supplement retirement income. Retirees can earn commissions through blog posts, social media, or email marketing, with the potential for residual income from future purchases made by their referrals.
• Flexibility to Work From Home
  With job opportunities often decreasing with age, affiliate marketing provides a flexible, home-based income source. Retirees can manage their schedules without the pressure of a traditional job search or commute.
• Endless Affiliate Opportunities
  With thousands of brands offering affiliate programs, retirees can find opportunities that align with their interests and values. From financial products to lifestyle brands, retirees have endless choices to suit their goals.
• Low Startup Costs
  Affiliate marketing has minimal startup expenses. Most costs go toward website hosting or basic training, making it a low-risk option compared to other small business models.
• Build Connections and a Supportive Community
  Affiliate marketing can help retirees stay socially connected. By joining affiliate communities and connecting with like-minded individuals, retirees can continue building a supportive network even after leaving the traditional workforce.

Best Retirement Affiliate Programs In 2026:

Here is the list of the Best Affiliate Programs in 2026:

1. SmartAssest
2. Lending Club Investor
3. Ladder Life
4. Blooom
5. Senior Life Settlements
6. AARP
7. Nolo
8. TurboTax
9. Personal Capital
10. eHealthInsurance
11. Regal Assets
12. Goldbroker
13. Capitalist Exploits
14. Augusta Precious Metals
15. Betterment

1. SmartAsset:

SmartAsset connects individuals with financial advisors based on their location, assets, and preferences. Their service is popular among people aged 45 to 65 who are planning or nearing retirement. SmartAsset’s platform helps users find the right financial advisor for their needs, with over 45 million users relying on their calculators and tools every month.

The SmartAsset affiliate program, powered by Commission Junction, offers a straightforward way to promote these services. Affiliates earn a flat fee of $70 for each qualified lead who has at least $25,000 in investable assets.

Reasons to Promote SmartAsset:

• Target Audience: Retirees or near-retirees, aged 45–65
• Strong Commissions: Earn $70 per qualified lead
• Simple Financial Solutions: Easy-to-understand tools and advice

Program Details:

• Commission: $70 per lead
• Cookie Duration: 1 day

2. Lending Club Investor:

Lending Club is the world’s largest online marketplace that connects investors with borrowers. Their platform allows investors to earn strong risk-adjusted returns while helping borrowers lower their borrowing costs. Lending Club offers a range of retirement accounts, including traditional IRAs, Roth IRAs, and 401(k) rollovers.

Their affiliate program, managed by Impact Radius, provides affiliates with access to a variety of marketing tools such as email, search, and banner ads. Affiliates can easily start campaigns using the provided resources and reporting tools.

Why Should You Promote Lending Club?

• Commission Structure: Earn $50 per IRA application
• Peer-to-Peer Lending: Connect investors with creditworthy borrowers
• Risk-Adjusted Returns: Attractive returns for investors

Program Details:

• Program name:SmartAsset
• Commission: $50 per IRA application
• Cookie Duration: 30 days

3. Ladder Life:

Ladder Life offers a smart and efficient way to secure life insurance for your loved ones. Customers can easily adjust their coverage up or down as their needs or life circumstances change. Unlike many insurance companies, Ladder Life’s licensed professionals are salaried, not commission-based, ensuring unbiased guidance.

Affiliates can join the Ladder Life affiliate program through Commission Junction. The target audience is typically individuals aged 25 to 55 who value quick, straightforward solutions and have financial dependents. For any questions or assistance, affiliates can reach out to their affiliate manager directly.

Top Reasons to Choose Ladder Life:

• Flexible Coverage: Adjust your life insurance to fit your needs.
• Unbiased Advice: No commissioned sales agents, just honest, professional guidance.
• Simple Process: Easy, three-step process for quick life insurance.

Program Details:

• Program name:Ladder Life
• Commission: $75 per lead
• Cookie Duration: 30 days

4. Blooom:

Blooom is a robo-advisor focused on optimizing 401k investments to align with your retirement goals. For just $10 per month, customers can reduce hidden fees, diversify their portfolios, and enjoy unlimited access to a financial advisor. Blooom monitors and manages your account, allowing you to relax while ensuring your retirement stays on track.

Affiliates can join the Blooom affiliate program through Impact Radius. The program includes features like promo code tracking, a product catalog, and deep linking. Bloom’s dedicated affiliate management team is also available to support affiliates in maximizing their campaigns.

Why Should You Promote Bloom?

• Automated 401k Management: Blooom optimizes your 401k with a robo-advisor.
• Unlimited Financial Guidance: Access to financial advisors without any additional fees.
• Advanced Affiliate Features: Includes tracking, deep linking, and promotional tools.

Program Details:

• Program name:Bloom
• Commission: $15 per lead
• Cookie Duration: 30 days

5. Senior Settlements:

Senior Life Settlements helps clients achieve top market prices by selling their life insurance policies. Through their life settlement service, often referred to as a senior settlement, clients can sell their existing insurance policies for more than the paid-up value but less than the net death benefit, providing an additional funding source for retirement.

Managed through ShareASale, the Senior Life Settlements affiliate program provides affiliates with all necessary marketing resources and tools to get started. Their experienced affiliate managers are available to offer support and guidance to optimize your campaigns.

The Perks of Promoting SmartAsset Senior Life Settlements:

• Free, No-Obligation Assessment: Offer clients a chance for a free, non-binding evaluation.
• Attractive Commission: Earn a flat fee for each lead, with no cost to the audience.
• Alternative Retirement Funding: Provide a unique retirement financing option.

Program Details:

• Program name:Senior  Settlements
• Commission: $15 per lead
• Cookie Duration: Sessions

6. AARP:

AARP is a non-profit organization dedicated to empowering individuals aged 50 and older to live their best lives as they age. They advocate for societal change and offer a wealth of programs, services, discounts, and resources designed to help members plan for retirement and enjoy their later years.

AARP’s affiliate program is managed through Pepperjam, providing affiliates with a comprehensive set of marketing tools via their affiliate dashboard. This includes banner ads, keywords, text links, and tracking tools. Affiliates can promote AARP through their websites, blogs, and social media platforms.

Why Should You Promote AARP?

• Membership Program for 50+: Access to a wide range of retirement-related services and resources.
• Variety of Services: Comprehensive support and benefits tailored for the 50+ community.
• Regular Updates: Affiliates receive frequent updates on new promotions, deals, and creative assets.

Program Details:

• Program name:AARP
• Commission: $10 per lead
• Cookie Duration: 7 days

7. Nolo:

Nolo provides valuable legal solutions for small businesses and individuals by connecting them with a network of over 500,000 solo practitioners and boutique law firms nationwide. They offer a range of DIY legal products, including wills, trusts, social security documents, and retirement plans.

Affiliates can join Nolo’s program through Commission Junction. Nolo is recognized by major media outlets like Entrepreneur, Wall Street Journal, and Forbes as a top resource for consumer legal documents. Affiliates benefit from the company’s positive press, optimized marketing materials, and extensive product offerings.

Benefits of Promoting Nolo:

• Higher Commissions: Earn 30-35% on sales between $500 and $2000.
• DIY Legal Products: Offer a variety of self-service legal solutions.
• Extended Cookie Duration: Enjoy a generous 120-day cookie period.

Program Details:

• Program name: Nolo Affiliate Program
• Commission Rate: 25%
• Cookie Duration: 120 days

8. TurboTax:

TurboTax is the leading tax software in the United States, renowned for its reliability and user-friendly features. Trusted by millions, it offers an array of free resources, including tax calculators, money-saving tools, and guidance on filing taxes in retirement. Users also benefit from support from knowledgeable tax professionals.

TurboTax runs two affiliate programs through Commission Junction for affiliates in the US and Canada. Affiliates receive access to exclusive promotional offers, high-performing banners, text links, dynamic landing pages, and logos. These tools help affiliates integrate TurboTax’s resources into their websites effectively.

Why Should You Promote TurboTax?

• Top Tax Software: Highly trusted and widely used.
• Retirement Tax Guidance: Provides valuable advice on retirement-related tax issues.
• Effective Marketing Materials: Access to high-quality promotional tools.

Program Details:

• Program name: TurboTax Affiliate Program
• Commission Rate: 5-15%, $1-$2 depending on the product
• Cookie Duration: 7 days

9. Personal Capital:

Personal Capital offers a comprehensive suite of financial tools and services to help users manage their finances efficiently. Their standout feature is the Retirement Planner, which assesses the likelihood of a successful retirement based on users’ financial goals and current situation.

Affiliates can earn up to $100 for each signup from users with $100,000 or more in investable assets. Personal Capital provides promotional materials, including banner ads and updates on the latest news and offers, to support affiliates in their marketing efforts.

Benefits of Promoting Personal Capital:

• Extensive Advertising: Widely recognized due to extensive TV and radio ads.
• Unlimited Commissions: Potential for high earnings with no cap on commissions.
• Established Reputation: Top-rated wealth manager according to Forbes and RIA Channel.

Program Details:

• Program name: Personal Capital Affiliate Program
• Commission: Up to $100
• Cookie Duration: 30 days

10. eHealthInsurance:

eHealthInsurance is a leading online provider of health insurance for individuals and families in the US. They offer over 10,000 health insurance plans through partnerships with more than 180 carriers. Their health advocates help users find Medicare plans that fit their needs and retirement budgets.

Managed by Commission Junction, the eHealthInsurance affiliate program provides affiliates with a range of promotional tools, including landing pages, widgets, text links, email campaign graphics, and banner ads. Affiliates also have access to a user-friendly dashboard for tracking their campaigns and commissions.

Why You Should Promote eHealthInsurance?

• Expert Guidance: Access to knowledgeable health counselors.
• Wide Range of Options: Over 10,000 health insurance plans to choose from.
• Competitive Commissions: Higher earnings potential with commissions ranging from $57.50 to $75 for 50–120 leads.

Program Details:

• Program name: eHealthInsurance Affiliate Program
• Commission: $50 per application for individual or family health insurance
• Cookie Duration: 120 days

11. Regal Assets:

Regal Assets has built a solid reputation for ethical and dependable business practices, as reflected in their A+ rating with the Better Business Bureau and 5-star TrustLink rating. They offer a variety of investment options, including buying and selling gold bullion and rare coins, as well as providing guidance on establishing a gold IRA—a long-term, tax-deferred retirement plan.

Regal Assets is committed to customer satisfaction, offering comprehensive education on precious metals and ensuring quick, insured delivery of products within one week. Their focus on exceptional customer service, security, and expertise makes them a standout choice for investors in precious metals.

Top Reasons to Choose  Regal Assets:

• Trustworthy Reputation: A+ BBB rating and 5-star TrustLink rating.
• Diverse Investment Options: Gold bullion, rare coins, and gold IRAs.
• Customer-Centric Approach: Quick, insured delivery and thorough market education.

Program Details:

• Program name:Regal Assets
• Earnings: 3% commission on each transaction for the lifetime of the customer.
• Super Affiliate Opportunity: Potential to earn up to $30 per qualified lead.

12. Goldbroker:

Goldbroker.com provides secure storage solutions for precious metals in four global locations—New York City, Singapore, Zurich, and Toronto. They also offer delivery of gold and silver bullion (bars and coins) within the United States. Customers enjoy full ownership of their metals, which are insured in their name and can be accessed personally and directly.

Goldbroker.com’s affiliate program offers two rewarding options:

• Revenue Sharing (RS): Earn 20% of Goldbroker’s net commissions for each order made by a referred client. This includes both purchase orders and annual storage fees for precious metals.
• Cost Per Acquisition (CPA): Receive a $200 payment for each new customer referred to Goldbroker.com.

Why Promote Goldbroker.com?

• Secure Ownership: Full ownership and insurance of precious metals.
• Global Storage: Safe storage locations in major cities worldwide.
• Lifelong Commissions: Ongoing earnings from purchases and storage fees.

Program Details:

• Program name: Goldbroker
• Commission (RS): 20% of Goldbroker’s net commissions on each order.
• Commission (CPA): $200 per new customer referral.

13. Capitalist Exploits:

Capitalist Exploits is dedicated to empowering investors with top-tier strategies for smart retirement planning. They offer a premium newsletter that provides insightful investment techniques, business insights, and stock recommendations in a unique and effective manner. Through their INSIDER program, members gain access to innovative financial theories, investment formulas, and advanced strategies from a highly skilled team of money managers.

Joining their affiliate program is straightforward and free. Simply complete a brief application on their affiliate page, managed through Ontraport.

Advantages of the Capitalist Exploits Affiliate Program:

• High Commission: Earn a substantial 50% commission on all qualified sales.
• Extended Cookie Duration: Benefit from a generous 356-day cookie lifespan, maximizing your earning potential.

Program Details:

• Program name: Capitalist Exploits
• Affiliate Signup Page: Capitalist Exploits Affiliate Program
• Commission: 50% on all transactions within a year.
• Cookie Duration: 356 days.

14. Augusta Precious Metals:

Augusta Precious Metals has seen impressive growth as a leading Gold IRA company, thanks to the enduring value people place on precious metals like gold and silver. As an affiliate, you can leverage this growing interest to earn significant commissions by promoting their services.

Why Promote Augusta Precious Metals?

• Competitive Commissions: Earn up to $200 per qualified lead and a 10% revenue share.
• High-Value Leads: Focus on clients looking to invest over $50,000, maximizing your earnings.
• Top-Notch Tools: Access comprehensive tools and resources to support your promotional efforts.

Program Details:

• Program name: Augusta Precious Metals
• Affiliate Signup Page: Augusta Precious Metals Affiliate Program
• Commissions: 10% commission, up to $200 per lead.
• Cookie Duration: 90 days.

15. Betterment:

Betterment, established by Jonathan Stein in 2008, stands out as a leading financial advisory firm committed to helping you achieve your financial aspirations. With its innovative approach, Betterment offers high-yield cash accounts and automated investing, designed to boost your savings and streamline financial management. Their comprehensive services include automated investing, IRAs, 401(k)s, cryptocurrency investments, and personalized financial planning.

The Betterment Affiliate Program offers a compelling opportunity for affiliates. You can earn up to $1,250 per referral, although the average commission is around $25. With a 30-day cookie duration, you ensure that you receive credit for any referrals who sign up within this timeframe. Additionally, Betterment provides dedicated support to enhance your affiliate marketing efforts.

Why Should You Promote Betterment?

• High Earnings Potential: Earn up to $1,250 per referral, with a typical commission of $25.

• Comprehensive Financial Services: Promote a range of services including high-yield accounts, retirement plans, and investment options.

• Support and Flexibility: Enjoy a 30-day cookie duration and dedicated affiliate support to optimize your performance.

Program Details:

• Program name: Betterment

• Sign-Up Page: Betterment Affiliate Program

• Commission: Up to $1,250 per referral

• Cookie Duration: 30 days

Conclusion:

As you explore the landscape of retirement affiliate programs in 2024, it’s clear that these opportunities provide valuable tools and services to help individuals plan for a secure and fulfilling retirement. From comprehensive financial planning platforms like SmartAsset and Personal Capital to innovative investment options with Regal Assets and Augusta Precious Metals, there is a diverse range of programs catering to different needs and preferences.

Whether you are focusing on investment strategies, insurance solutions, or health and lifestyle planning, each affiliate program offers unique benefits and competitive commissions, making them worth considering for your promotional efforts. With flexible options, low startup costs, and the ability to work from home, affiliate marketing in the retirement space presents a rewarding opportunity for both new and seasoned marketers.

By leveraging these top affiliate programs, you can contribute to helping others achieve their retirement goals while potentially earning substantial commissions. Dive into these programs, choose those that resonate with your audience, and start making a positive impact on retirement planning today.

Frequently Asked Questions (FAQs)

What types of products do retirement affiliate programs cover?

Retirement affiliate programs often include financial products like retirement savings accounts, investment plans, insurance, annuities, and even travel or vacation packages tailored for retirees.

How much can I earn through retirement affiliate programs?

Earnings vary based on the affiliate program and the number of referrals. Many programs offer commissions that range from a few dollars to a significant percentage of each sale, especially for financial products.

Is affiliate marketing suitable for beginners?

Yes, many affiliate programs offer resources and training, making it accessible for beginners. Minimal startup costs and the ability to start small make it an appealing choice for newcomers.

Do I need a website to join an affiliate program?

While having a website is helpful, it’s not always required. Many affiliates successfully use social media platforms or email newsletters to promote affiliate links.

How can I get started with a retirement affiliate program?

Start by identifying programs that align with your interests and audience. Look for reputable companies with good reviews, join their affiliate program, and promote their products using your unique referral links.