Monetize Declines

Life Agents Turn Your Declined Life Leads Into Cash!

Every time we close one of your declined leads, you get paid $30.

You worked hard for those leads. Don’t delete them — turn them into deposits.
If a client you couldn’t help still needs coverage, we’ll take it from here.

Click Below To Find Out If You Qualify

How The Monetize Declines Program Works

It's as easy as 1, 2, 3...

1️⃣ Upload Your Declined Leads

Got clients who couldn’t qualify due to health, prescription, or lifestyle issues?

Simply upload the lead info through our secure portal (upload in bulk using csv file or manually upload one lead at a time).

Once uploaded, you’ll receive a platform access email and your personal affiliate logins, where you can track each lead in real-time.

2️⃣ We Work The Lead

Our licensed North Peak Life Group agents reach out using our proven conversational system — the same one that converts declined or “impossible” cases every single day.

We specialize in Guaranteed Issue Whole Life coverage:

✅ $10,000–$80,000 in coverage

✅ No medical questions or exams

✅ A+ rated carriers

✅ Starts in 1 day (no 2-year waiting periods)

✅ Cash value + living benefits

✅ Accepts smokers, gig workers, and yes… 420-friendly clients

3️⃣ You Get Paid $30 Per Closed Policy

Every time one of your referred leads becomes a client, you receive $30 straight to your account.

No chasing, no management, just deposits for leads you already have.

As SEEN ON

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Why Agents Love This Program

Instant Monetization

Earn from the “declines” you were going to delete anyway.

Zero Effort

We do all the outreach, follow-up, and compliance for you.

Peace of Mind

Every lead is handled professionally under our national compliance standards.

Consistent Payouts

Paid weekly by ACH — you’ll see exactly what closed and what you earned.

Guaranteed Issue Plan Details

All plans include:

✅ Get $10,000–$80,000 in Guaranteed Issue Whole Life coverage with no medical questions or long waits.

✅ Cash value to borrow, withdraw, or help pay premiums while you’re alive.

✅ Coverage starts in 1 day, not the 2 years others make you wait.

✅ Coverage options for ages 18 - 70

✅ Smokers are welcome, and yes, we are 420-friendly (Marijuana).

✅ A+ rated carrier you can trust

✅ Living benefits: Access your full death benefit early if the insured can't perform 2 of the 9 ADLs for 90 days.

✅ No health questions.

✅ No height and weight questions.

✅ No Prescription Drug Check

✅ No DMV checks

✅ No Criminal Checks

✅ No Credit Checks

Optional Riders:

✅ Child rider: Add $20,000 per child for less than $10/month per child, up to 6 children, convertible up to 5X at age 19 or 26 if still in school, giving them $100,000 whole life policy without proving insurability.

✅ Spouse rider: Employed spouse gets up to $30,000. An unemployed spouse can get $10,000. Spouse riders build cash value, too.

3 Qualifiers:

✅ If they’ve worked for wage or profit for an average of 20 hours a week for the last 90 days, even gig work, and are between 18 and 70, then you qualify.

What is wage or profit - Full Time, part-time, self-employed, gig workers (Uber, Lyft), babysitting…really is anything you are doing to bring in money that you report on your taxes (The carrier will verify this to be true if the insured dies within the first 2 years of the policy being enforced).

✅ They are not currently being treated for internal cancer. They could have completed internal cancer treatments yesterday and still qualify.

✅ They have not been told by a doctor that they are terminal with less than 12 months to live.

Common Questions About ROP Life Insurance

Everything you need to know before making your decision

How do I get paid?

You’ll receive $30 for every declined lead we close. Paid via ACH direct deposit.
Payouts are sent monthly, and you’ll receive a simple summary showing which of your leads converted.

When will I get paid?

Your first payout will be issued 60 days after your first closed policy, allowing time for carrier confirmation and processing.

After that, you’ll be paid monthly — on or around the 15th of each month — for all policies that closed in the previous month.

You can track every lead, payout due, and payment made directly in your Affiliate Portal, which updates in real time as your leads convert.

What types of leads should I send?

Any life insurance lead who was declined, postponed, rated up, or uninsurable with your current carriers — these are our specialty.
We accept leads with:

Medical conditions

High-risk lifestyles

Past declines

Just completed internal cancer treatment

HIV/AIDS

People who simply couldn’t qualify elsewhere

If they’re still alive and looking for coverage — we can help, and you get paid for that lead you otherwise would have tossed out.

Is this safe and compliant?

Yes. We’re a licensed national life insurance agency, operating under North Peak Life Group.
All outreach and policy placement are handled by licensed agents.
Your lead data is encrypted and processed in full compliance with TCPA, HIPAA, and state insurance regulations.

Do I need to be contracted or appointed with you to send leads?

No. Anyone with declined life insurance leads can participate in the affiliate program and earn referral payouts.
However, if you’d like to get appointed and sell these policies yourself for full commissions — there’s a section right on this page where you can start that process.

What if my lead doesn’t answer or buy?

No problem. You’ll only earn a payout when we successfully place coverage for one of your referrals.
We handle all contact attempts and nurturing — so even if it takes time, we stay on it.

What kinds of policies do you sell these clients?

Our focus is on Guaranteed Issue Whole Life plans designed for people who can’t qualify elsewhere.
Each plan includes:

Ages 18 - 70 (If a 70-year-old can afford the premium, they can get $80,000 in coverage)

$10,000–$80,000 coverage

No medical questions

Cash value and living benefits

A+ rated carriers

Same-day approvals

No 2-year waiting period, policies are active in 1 day

It’s real coverage — not discount plans or membership gimmicks

Are there limits on how many leads I can send?

No limit.
Some agents send 10 leads a month. Others send hundreds from old CRMs or databases.
The more we close, the more you earn, and we can scale together as you see results.

Want To Get Appointed?

Prefer to sell these policies yourself and keep the full commission?
Join our producer network — get appointed with North Peak Life Group and gain access to our:

Exclusive lead programs

CRM & automation system

AI appointment booking tools

Training on how to close Guaranteed Issue Whole Life coverage in 1 call

Copyright 2025 – monetizedeclines.com – All Rights Reserved

*All time and interest savings examples, wealth building examples, and rates of return on this site are strictly hypothetical. Individual time and interest savings amounts and wealth-building possibilities are subject to individual qualification. Individual qualification required. No Financial Advice or recommendations have been made as part of this site.

By submitting your contact information, you agree to our Terms and Privacy Policy. You also expressly consent to have licensed agents contact you about your inquiry by text message, email, or phone (including automatic telephone dialing system or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from our partners or their affiliates. By communicating with us by phone, you consent to calls being recorded and monitored.

Affiliate Program Disclosure:
By participating in the North Peak Life Group Decline Case Affiliate Program (“Program”), you acknowledge and agree that you are acting as an independent affiliate, not an employee or agent of North Peak Life Group.

You are responsible for the accuracy of the banking and payment information you provide. All affiliate payments are issued via ACH, and you are solely responsible for reporting and paying any applicable federal, state, or local taxes on income received.

North Peak Life Group will issue an IRS Form 1099-NEC at year-end for total annual payments of $600 or more. Participation in the Program constitutes your acceptance of these terms.

Monetize Declines

Stop renting your life insurance. Get 100% of your premiums back with Return of Premium coverage. Protection today, money back tomorrow.