Insurance Ads That Work: 11 Ads Still Running After 90+ Days

The 90-Day Club, October 2026: insurance ads live for 90+ days and in the top 3 of their own accounts on 10 Oct, and still live on 12 Oct.

Facebook ads are a separate thing from a Facebook page or an Instagram page. Sharing news is not necessarily an ad's job. Ads are usually done to make money, to invite people to buy, and not necessarily to share news. That's just the shape of the platform and what it's used for.

An ad is like a front door. It's a tool to let people into the store. Picture a physical store: the ad is a person inviting people in. They make the decision inside.

So which insurance ads last? We can't see anyone else's account. We can see what they keep paying for.

The 90-Day Club · October 2026

The 11 insurance ads in the 90-Day Club

Each bar is days live, to scale, as of 12 Oct 2026. The brass line is day 90, the entry mark. Tap a name to jump to the ad.

1. 01SkyWatchDynamic313days
2. 02Life Insurance SpecialistsImage300days
3. 03The Difference CardDynamic278days
4. 04HealthPartnersDynamic270days
5. 05American AllyVideo188days
6. 06SolaceImage182days
7. 07Food Liability Insurance ProgramDynamic166days
8. 08American Collectors InsuranceVideo125days
9. 09Pets Best Pet Health InsuranceDynamic109days
10. 10Embrace Pet InsuranceDynamic95days
11. 11American Contractors AdvantageVideo94days

Days liveDay 90

Entry rules

How an ad gets into the 90-Day Club

1. It has been live for 90 days or more, counted from the oldest live copy of the same creative.
2. It sits in the top 3 of the advertiser's live US ads, by the Meta Ad Library's own sort: Impressions, high to low.
3. The advertiser launched new ads in the last 30 days, so keeping this one on is a choice.
4. One ad per advertiser. No household-name carriers or their captive agents, no ads that promise government cash, cards or allowances, no clients of ours.

We can't see anyone's leads, policies or spend, and no ad platform publishes them for US ads like these. So every number here is public. Most ads don't last: in Interconnections' 2026 benchmark of 368 Meta ads from 15 direct-to-consumer brands (April to August 2026), the median ad ran 18 days, and only 1 in 10 ran 76 days or more. Data: Meta's Ad Library, ranked 10 Oct 2026, rechecked 12 Oct 2026.

Why so few ads last

You can have enough material to work with. But you assemble it in the form of an ad, you run traffic to it, and it takes time. In one account, since inception, maybe three or five creatives out of the whole pack got enough reach. When you put the pack in a campaign and assign a budget, it takes time for the algorithm to experiment with all of the assets you gave it.

And the most important thing is how the market responds. Some ads that we don't really like perform surprisingly well, and others that we are almost married to flop.

The 11 ads below are the ones that lasted.

The 11 ads, longest-running first

01/1190Day Club · 313 daysDynamic

SkyWatch: Speak to one kind of customer

An aircraft insurer talks only to experienced pilots and promises flexible coverage and fast quotes.

Days live

313

Rank on 10 Oct

#1 of 32 live US ads by impressions

Still live

12 Oct 2026

See this ad in the Ad Library

Beat map

1. HookLogo, then headline "Smart Insurance for Seasoned Pilots" in orange and navy.
2. ProofSmiling older man by a propeller plane; card headline "Trusted by thousands of pilots."
3. Problem"You shouldn't have to fight your insurance policy too."
4. OfferChecklist: flexible coverage (owners and renters), fast quotes, policies that adapt.
5. CTA"Get Quote Now" button; copy ends "Get your quote" with a pointing-down emoji.

Obvious

• The image headline reads "Smart Insurance for Seasoned Pilots" above a "Get Quote Now" button.
• An older man in a work shirt stands next to a red propeller plane.
• The card text calls the policy "Aircraft insurance that respects your experience."

Not so obvious

• The copy speaks in the pilot's own terms, "You've logged the hours. You know your aircraft.", before it names any product feature.
• The card headline "Trusted by thousands of pilots." is a crowd claim with no number or source shown.

Back to the board

02/1190Day Club · 300 daysImage

Life Insurance Specialists: Lead with the feeling, then show the prices

A guilt-led headline, 2 "no" promises and a price table pitch term life cover, and the ad promises no medical exam.

Days live

300

Rank on 10 Oct

#1 of 41 live US ads by impressions

Runs as

3 copies

Still live

12 Oct 2026

See this ad in the Ad Library

Beat map

1. HookLogo, then headline "Don't be the dad without life insurance".
2. SolutionGreen checks: "NO MEDICAL EXAM", "NO WAITING PERIOD".
3. Offer3 rows: $100,000 from $14/mo, $150,000 from $17/mo, $225,000 from $22/mo.
4. CTA"TAP AGE GROUP" with 20's, 30's, 40's, 50's, 60's+; link line says instant rates.

Obvious

• The headline reads "Don't be the dad without life insurance."
• 2 green checks promise "NO MEDICAL EXAM" and "NO WAITING PERIOD".
• A table lists $100,000 from $14/mo, $150,000 from $17/mo and $225,000 from $22/mo.

Not so obvious

• "TAP AGE GROUP" sits on a static image and the ad has no button; the link line promises "instant life insurance rates".
• The prices carry a footnote: "Sample rate for 50 year old, healthy non-smoking male, 10 year term*". No asterisk text is visible.

Back to the board

03/1190Day Club · 278 daysDynamic

The Difference Card: Sell the business case to the employer

A health benefits provider pitches an alternative to group health plans to employers, with a guide as the offer.

Days live

278

Rank on 10 Oct

#1 of 20 live US ads by impressions

Still live

12 Oct 2026

See this ad in the Ad Library

Beat map

1. HookOrange headline "Cost-effective health benefit plans" over a purple background.
2. ProblemCopy: "Traditional group health plans aren't your only option!"
3. Solution"MERP VS. TRADITIONAL HEALTH INSURANCE"; claims lower employer costs, same employee benefits.
4. Offer"Discover the benefits of MERPS in our guide."
5. CTAOrange "Learn More" button; 5 cards repeat the same text.

Obvious

• The headline reads "Cost-effective health benefit plans" above "MERP VS. TRADITIONAL HEALTH INSURANCE".
• A man and a woman talk across a table with papers; an orange "Learn More" button sits above.
• The subline says it can "Reduce employer health insurance costs" while providing "the same benefits to employees".

Not so obvious

• The image sets up a head-to-head, "MERP VS. TRADITIONAL HEALTH INSURANCE", but no line spells out what MERP stands for.
• The offer is a guide, a low-commitment first step: the link goes to a blog post, "merp-vs-traditional-health-insurance", not a quote page.

Back to the board

04/1190Day Club · 270 daysDynamic

HealthPartners: Lead with one concrete benefit

A Medicare plan ad leads with one benefit, "Rides to appointments included", and speaks to people "age 65+".

Days live

270

Rank on 10 Oct

#3 of 71 live US ads by impressions

Still live

12 Oct 2026

See this ad in the Ad Library

Beat map

1. HookOlder man smiling in a car's back seat, belted in.
2. SolutionHeadline "Rides to appointments included".
3. OfferSubline "Medicare + Medical Assistance"; card "Get free rides".
4. CTACopy targets age 65+; "Learn More" button; plan name in the link line.

Obvious

• The headline reads "Rides to appointments included"; the subline reads "Medicare + Medical Assistance".
• An older man sits belted in a car's back seat, smiling.
• The card says "Get free rides" and "If you're age 65+, choose a health plan that includes rides."

Not so obvious

• The image says rides are "included"; the word "free" appears only in the card title, "Get free rides".
• The subline names 2 programs, "Medicare + Medical Assistance"; the plan, "MN Senior Health Options (MSHO) (HMO SNP)", appears only in the link line.

Back to the board

05/1190Day Club · 188 daysVideo

American Ally: Name the group in the first line

A man talking to camera tells Illinois teachers they need not take their district's health plan, and lists PPO perks.

Opening seconds · muted loop

Days live

188

Rank on 10 Oct

#2 of 15 live US ads by impressions

Still live

12 Oct 2026

See this ad in the Ad Library

Beat map

HookProblemSolutionOfferOffer

0:000:24

1. Hook0:00-0:04Man exits a revolving door under "Attention: Teachers in Illinois!!"; "light up the comments".
2. Problem0:04-0:10He says most people do not realize you need not take your district's plan.
3. Solution0:10-0:16He says: "We save teachers thousands of dollars a year, especially ones with families."
4. Offer0:16-0:21"Nationwide PPO coverage, no co-pays, no co-insurance"; key words boxed in blue.
5. Offer0:21-0:24Deductible only if "in the hospital for more than 24 hours". No call to action.

Obvious

• The on-screen headline reads "Attention: Teachers in Illinois!!" and the first spoken words are "Teachers in Illinois".
• The copy lists "$0 copays", "Nationwide PPO access" and "24/7 telehealth".
• One man speaks to camera, moving between a revolving door and a restaurant table.

Not so obvious

• The copy says "Your enrollment period ends May 31", yet the ad was still live in October.
• The copy runs Problem-Agitate-Solution: "are you overpaying", then "Copays. Deductibles. Coinsurance. Limited networks.", then private PPO options.

Back to the board

06/1190Day Club · 182 daysImage

Solace: Hook with one concrete item and a number

A patient-advocate service opens with a Medicare scooter claim, then says an advocate helps you get care and equipment.

Days live

182

Rank on 10 Oct

#1 of 438 live US ads by impressions

Still live

12 Oct 2026

See this ad in the Ad Library

Beat map

1. HookUnderlined headline "Medicare may cover 80% of a scooter." above a green scooter photo.
2. ProblemText: "Getting to the mailbox shouldn't be this hard."
3. Solution"An advocate helps you move forward with the right care and equipment".
4. OfferTitle "Get healthcare support" plus "covered by Medicare"; link line "Improve your quality of care".
5. CTA"Learn More" button under "Here's what you need to know."

Obvious

• The headline reads "Medicare may cover 80% of a scooter." over a photo of a green mobility scooter.
• The text opens: "Getting to the mailbox shouldn't be this hard."
• A "Learn More" button sits under the headline, near the top of the image.

Not so obvious

• The scooter is the hook, but the product is a person: "An advocate helps you move forward with the right care and equipment".
• The image says Medicare "may" cover 80%; the text says help is "covered by Medicare", with no hedge. Both are the advertiser's claims.

Back to the board

07/1190Day Club · 166 daysDynamic

Food Liability Insurance Program: Make a niche policy look easy

A niche insurer asks home bakers 2 risk questions, then offers a quick quote and proof of insurance.

Days live

166

Rank on 10 Oct

#1 of 21 live US ads by impressions

Runs as

2 copies

Still live

12 Oct 2026

See this ad in the Ad Library

Beat map

1. HookCoral gradient, black headline "Quick and Easy Cottage Food Insurance".
2. OfferBlack pill button "Buy from $25.92/month"; hand-drawn baker and oven.
3. ProblemCopy asks about foodborne illness claims, property damage, stolen or broken equipment.
4. CTA"Get a transparent quote and proof of insurance in minutes."

Obvious

• The headline reads "Quick and Easy Cottage Food Insurance"; the black button reads "Buy from $25.92/month".
• A hand-drawn baker and a smiling oven fill the bottom of a coral gradient.
• The copy opens "ATTN: Bakers and Cottage Food Vendors!"

Not so obvious

• The copy runs Problem-Agitate-Solution: 2 risk questions, left unanswered, then "a transparent quote and proof of insurance in minutes."
• The image button says "Buy from", but the ad's own button says "Get quote"; the price is the only number in the ad.

Back to the board

08/1190Day Club · 125 daysVideo

American Collectors Insurance: A collector tells the story

A man with a '67 Mustang tells how a friend's tip and a 2-minute online quote got him a classic-car policy.

Opening seconds · muted loop

Days live

125

Rank on 10 Oct

#1 of 43 live US ads by impressions

Runs as

2 copies

Still live

12 Oct 2026

See this ad in the Ad Library

Beat map

HookProblemSolutionProofCTA

0:000:35

1. Hook0:00-0:04Man outdoors; headline "Classic car owners need to hear this"; "worth 30 seconds of your time".
2. Problem0:04-0:17Same policy since "Clinton was in office"; premium rose again; a friend names classic-car insurance.
3. Solution0:17-0:21Screen recording: vehicle year, make and model typed into a quote form; free quote.
4. Proof0:21-0:33Expected a catch; called; got "a real person who knew what a 67 Mustang even is".
5. CTA0:33-0:35White end card with logo: "Get a quote in as little as 2 minutes".

Obvious

• A bearded man talks to camera and names his '67 Mustang in the first 10 seconds.
• The headline on screen says "Classic car owners need to hear this".
• The ad ends on a white card: "Get a quote in as little as 2 minutes".

Not so obvious

• Story hook: a first-person arc, from a premium that kept rising to a friend's tip, runs before the quote form at 0:17.
• The voiceover never names the company; its name appears only on the end card at 0:33, 2 seconds before the end.

Back to the board

09/1190Day Club · 109 daysDynamic

Pets Best Pet Health Insurance: Put the daily price on the picture

A puppy with an X-ray window showing a rubber duck sits under a "less than $1/DAY*" headline, with a "Get Quote" button.

Days live

109

Rank on 10 Oct

#1 of 72 live US ads by impressions

Runs as

6 copies

Still live

12 Oct 2026

See this ad in the Ad Library

Beat map

1. HookTeal "PET INSURANCE PLANS FROM LESS THAN" over navy "$1/DAY*".
2. HookA puppy's middle is replaced by an X-ray of a yellow rubber duck.
3. ProofSmall print: based on 2024 average new-policyholder data; Accident and Illness plans; pets aged 0-10.
4. CTACard: "Get a free quote today!"; button "Get Quote".

Obvious

• The headline reads "PET INSURANCE PLANS FROM LESS THAN $1/DAY*" in teal and navy.
• A puppy's middle is replaced by an X-ray showing a yellow rubber duck.
• The card text says you "could get pet insurance for less than $1 a day".

Not so obvious

• The picture gives the reason to buy without a word: an X-ray shows a rubber duck inside the puppy.
• The asterisk leads to small print: 2024 average new-policyholder data, Accident and Illness plans, pets aged 0-10.

Back to the board

10/1190Day Club · 95 daysDynamic

Embrace Pet Insurance: Turn one stat into a joke

A 3D dog with dollar bills in its mouth carries one stat: "90% of claims paid in 10 days."

Opening seconds · muted loop

Days live

95

Rank on 10 Oct

#3 of 110 live US ads by impressions

Still live

12 Oct 2026

See this ad in the Ad Library

Beat map

HookProofSolution

0:000:08

1. Hook0:00-0:02Headline "Like playing fetch with your money."; 3D dog holds dollar bills; music only.
2. Proof0:02-0:06"90% of claims paid in 10 days." appears; the dog shakes and bills burst.
3. Solution0:06-0:08Bills settle; dog above the logo "embrace pet insurance that works". No call to action.

Obvious

• The headline "Like playing fetch with your money." sits over a fluffy 3D dog holding cash.
• "90% of claims paid in 10 days." appears at 0:02 as bills burst across the frame.
• The brand tag "pet insurance that works" sits under the logo; there is no voice, only music.

Not so obvious

• The one claim carries a source line in small print: "Based on Embrace internal claims data from 2025."
• One animation runs in 9:16 and 1:1; 2 of its 4 cards pair it with different text, "Robust Rx plans".

Back to the board

11/1190Day Club · 94 daysVideo

American Contractors Advantage: Tell the problem with one object

An 82-second 3D-animated story uses an emergency-fund jar to sell indexed universal life insurance to tradespeople.

Opening seconds · muted loop

Days live

94

Rank on 10 Oct

#2 of 124 live US ads by impressions

Runs as

6 copies

Still live

12 Oct 2026

See this ad in the Ad Library

Beat map

HookProblemSolutionProofCTA

0:001:22

1. Hook0:00-0:10Animated workers in mishaps; "Every blue-collar worker knows you need an emergency fund."
2. Problem0:10-0:28A $10,000 jar falls to $2,000 after an $8,000 expense; "that money's not growing".
3. Solution0:28-0:53The voice calls IUL life insurance that "builds cash you can actually use", borrowed "Tax-free".
4. Proof0:53-1:09Chart: "earn up to 10%", "0% floor guarantee"; savings account at $2,000 versus IUL at $10,000.
5. CTA1:09-1:22"Tap below for a free quote"; an age warning; end card "CLICK LINK BELOW!!".

Obvious

• Small print at 0:32: IUL "is a permanent life insurance policy, not an investment or a savings account."
• A $10,000 jar drops to $2,000 after an $8,000 expense, then "IUL" appears at 0:32.
• The caption names construction workers aged 22 to 60 first: "electricians, roofers, plumbers".

Not so obvious

• The structure is Before-After-Bridge: a $10,000 jar falls to $2,000 (before), the IUL jar shows $10,000 (after), IUL is the bridge.
• The ad claims tax-free loans, a "0% floor guarantee" and "up to 10%"; small print at 0:41 says unpaid loans reduce the death benefit.

Back to the board

Left the club this week

We checked every ad again on 12 Oct, 2 days after the pull. These were in the club on 10 Oct and are not anymore.

• Medicare Joe155 daysNo longer in Meta's Ad Library on 12 Oct 2026. Ad Library

What the 11 share

• 7 of 11 were the #1 ad in their own account by impressions on 10 Oct.
• The median member has been live 182 days. The oldest, SkyWatch, has run since 3 Dec 2025.
• Formats: 6 dynamic, 3 video, 2 image.
• 7 of 11 name who the ad is for in the headline or the first line of text: pilots, dads, Illinois teachers, bakers, people 65+, classic car owners, construction workers.
• 3 of 11 show a price: from $14/mo, from $25.92/month and less than $1/day.
• 4 of 11 put small print under a headline number or promise: Life Insurance Specialists, Pets Best, Embrace and American Contractors Advantage.

Ads

11

Median days live

182

Longest

313 SkyWatch

#1 in own account

7 of 11

The 11 at a glance

#	Advertiser	Days live	Format	Hook	Offer or ask
01	SkyWatch	313	Dynamic	Smart Insurance for Seasoned Pilots	Get a quote
02	Life Insurance Specialists	300	Image	Dad without life insurance	Rates from $14/mo
03	The Difference Card	278	Dynamic	Cost-effective health benefit plans	Guide on MERP plans
04	HealthPartners	270	Dynamic	Rides to appointments included	Plan with rides (claimed)
05	American Ally	188	Video	Teachers in Illinois	PPO, no co-pays (claimed)
06	Solace	182	Image	Medicare may cover a scooter	Advocate help, covered (claimed)
07	Food Liability Insurance Program	166	Dynamic	Quick, easy cottage food insurance	Buy from $25.92/month
08	American Collectors Insurance	125	Video	Classic owners, 30 seconds	Quote in 2 minutes
09	Pets Best Pet Health Insurance	109	Dynamic	$1/day plus duck X-ray	Free quote
10	Embrace Pet Insurance	95	Dynamic	Fetch with your money	Claims: 90% paid, 10 days
11	American Contractors Advantage	94	Video	Blue-collar emergency fund	Free IUL quote

Why 90 days matter

Take the assumption that Instagram works better than Facebook. What works relatively well is an A/B test inside the platform: 2 versions split the audience, you won't compete against yourself, and you get a very clean answer to whether your assumption is true. Sometimes it is. In our experience, most of the time it wasn't. And most ads don't last. Interconnections looked at 368 Meta ads from 15 direct-to-consumer brands, and the median one ran 18 days. 1 in 10 made it to 76.

And in insurance, trust is the first question. Once you start running ads, people ask: who is this? Can I trust them? On Instagram it's very easy to click the page that launched the ad and check. You need to answer that question definitively, and then experiment, with at least 6 ads per ad set.

So every test starts with a hypothesis: if the experiment is successful, I predict an increase in this variable, by this amount per week. Always put these three things in the text. It is very important to structure your thoughts, and then for me and anyone else to make sense of your way of thinking. These 11 made it past 90.

How to judge your own ads

What I want to know is the number of sales qualified leads. The end goal is that your team answers phone calls from warm, pre-validated people who are ready to have the sales conversation. For insurance, one of the biggest focuses is calls, and to make the system work properly there has to be call conversion tracking installed. And the call tracking software has to be assigned to an organization you own.

Then there are some caveats to how Facebook results are being counted. One column counts Facebook as the last click source, where Facebook was the last source before the sale. The other is the platform-reported attribution, where Facebook is part of the funnel: it counts every sale inside Meta's click and view windows, including people who engaged with the ad and then converted from other sources. So it reads higher. Know which column you're reading before you cut an ad.

How we measured these 11

Our method

1. We pulled 4,635 live US ads from 341 advertiser pages.
2. We sorted each advertiser's ads by Impressions, high to low, and kept the top 3.
3. We counted days live from the oldest live copy of the creative. The Ad Library shows each start date and how many ads use the same creative and text.
4. We kept only advertisers that launched new ads in the last 30 days.
5. We rechecked all 11 ads by hand in the Ad Library on 12 Oct 2026.

On a website, almost everything that people can do, we can see. We know the type of people that are attracted, we can see the ads that triggered their decision. We know everything except for what will trigger them to buy. In the Ad Library we see even less: the ad, its start date, its rank. Meta shows no leads, quotes, policies or spend for US ads like these, and the impressions sort is Meta's own order.

The metrics we use

The tools we use

• Meta Ad LibraryFree. Any advertiser's live ads and start dates.
• Meta Ads ManagerYour own hook rate, frequency, CTR and cost per lead.
• Meta Conversions API (CRM integration, lead ads)Sends CRM lead stages back to Meta, so it learns from leads that buy.
• Google Analytics 4What visitors do on your site, and which source sent them.
• Google Tag Manager, server-sideSends tracking events from a server you control.
• CallRailWhich ad made the phone ring, and whether an agent picked up.
• BigQueryOne place to join ad spend, leads and sales by ad.
• Data StudioOne blended report from all platforms, on top of BigQuery.
• Google Ads offline conversion importSends sales from your CRM back to Google Ads, so bidding learns from bound policies.
• Your CRMWhere the sale is recorded.

Run your own 90-day check

1. In Ads Manager, list your live ads with their start or created dates and their impressions for the last 30 days.
2. Mark each ad live 90+ days and still in your top 3.
3. Make sure every call carries its source. If you can't tell which ad made the phone ring, install call tracking first.
4. For each long runner, pull calls, quotes and bound policies from your CRM, by ad ID or UTM.
5. Compare its cost per bound policy with your newer ads. If you sell in enrollment windows, compare inside and outside the window. Wait at least your average days from lead to bound policy before you judge a new one.
6. If the long runner costs less per policy, give it more of the budget and test new hooks against it. If it costs more over the same dates, with enough sales on both sides to compare, replace it.

After and before the click. So we need to work on both. And both of them are marketing. So before the click it's the video material, for example, how we explain the product, how we make people interested, how we make them hooked. And I see a lot of websites like this that are quite unremarkable. Like, there is very little on them that is visually appealing or very well thought through, but they perform well because they do a great job before the click.

If you can't see which of your ads turn into policies, that's the first thing our Data Audit shows you.

Sources: Meta Ad Library · Interconnections, Meta Creative Fatigue Benchmark 2026 · Meta, Conversions API for CRM integration · Google Ads Help, About offline conversion imports