Referral program

Give $50. Get $100.

You get one code. Text it, post it in your IMO group, put it in your downline broadcast. Every new agent who uses it gets $50 off their first pack — private health, auto, homeowners, or life — and $100 lands as credit on your account, rising to $125 each from your 5th referral on. It stacks with no cap: ten agents is $1,150 off your next pack, as a single code.

How it works

1. 01Open Referrals in your portal. Every seat has its own — an agency owner and each of their downline agents refer under their own name and keep their own credit. One tap issues your code.
2. 02Share it anywhere. One string, yours. Text it to an agent, post it in your IMO group, drop it in a downline broadcast. They browse on their own time and enter it at checkout — no link to click first, nothing that wears off.
3. 03Credit stacks, then cashes out. Every new agent who uses it adds $100 — $125 once you're past 5 — the same minute their payment clears. Watch the balance climb in your Referrals tab, then turn the whole thing into one discount code for your own next pack. Nothing to invoice, nothing to chase.

Credit is earned on a completed, non-refunded first purchase by a new customer. Self-referrals, orders on your own account and purchases made with a card already on your account don't count; a refunded order takes its credit back. Codes carry a usage cap — ask us to raise yours if you're running out. Credit is redeemable against Lumitide packs only, is never paid in cash, and a code is spent on one order (anything it doesn't cover is lost, so cash out what that order will cost). Cashed codes last 180 days. We may adjust program terms for future sales; credit already earned is always honoured. ← Back to Lumitide