What are living benefits in life insurance?

Living benefits allow you to access a portion of your life insurance death benefit while you're still alive if you're diagnosed with a chronic, critical, or terminal illness. This money can be used for medical bills, mortgage payments, or any other expenses. The Tipton Agency specializes in policies with living benefits at no additional cost.

What is an IUL and how does it help with retirement?

An Indexed Universal Life (IUL) policy is a type of permanent life insurance that builds cash value based on stock market index performance (like the S&P 500) while protecting you from market losses. The cash value grows tax-free and can be accessed tax-free in retirement through policy loans, making it an excellent supplement to 401(k)s and IRAs.

How much life insurance do I need?

A common rule of thumb is 10-12 times your annual income, but the right amount depends on your specific situation including debts, mortgage balance, children's education costs, and your spouse's income. The Tipton Agency offers a free life insurance needs calculator and personalized consultations to determine your ideal coverage amount.

How do I become a life insurance agent with The Tipton Agency?

The Tipton Agency offers 80% to 130% commission contracts with equity partnership opportunities. No prior experience is required - we provide comprehensive training, mentorship, and warm leads. You'll need to obtain your state life insurance license (we help with that too). Apply on our Careers page to start the process.

What insurance carriers does The Tipton Agency work with?

As an independent agency, we work with 30+ top-rated carriers including Mutual of Omaha, Transamerica, Foresters Financial, Americo, F&G, Banner Life, SBLI, United Home Life, American Amicable, and Corebridge Financial. This allows us to shop multiple carriers to find you the best rates and coverage.

What is mortgage protection insurance?

Mortgage protection insurance is a term life insurance policy designed to pay off your remaining mortgage balance if you pass away. This ensures your family can stay in their home without the burden of mortgage payments. Policies can also include living benefits for disability or critical illness.

Privacy Policy | The Tipton Agency

The Tipton Agency Privacy Policy

Owner and Data Controller

The Tipton Agency LLC
25 First Ave SW Ste A
Watertown, SD 57201-3507

Owner contact email: [email protected]

Types of Data collected

Among the types of Personal Data that this Website collects, by itself or through third parties, there are: first name; last name; gender; date of birth; phone number; country; state; county; email address; ZIP/Postal code; city; Tracker; Usage Data; device information; unique device identifiers for advertising (Google Advertiser ID or IDFA, for example); session statistics; browser information.

Complete details on each type of Personal Data collected are provided in the dedicated sections of this privacy policy or by specific explanation texts displayed prior to the Data collection.

Personal Data may be freely provided by the User, or, in case of Usage Data, collected automatically when using this Website.

Unless specified otherwise, all Data requested by this Website is mandatory and failure to provide this Data may make it impossible for this Website to provide its services. In cases where this Website specifically states that some Data is not mandatory, Users are free not to communicate this Data without consequences to the availability or the functioning of the Service.

Users who are uncertain about which Personal Data is mandatory are welcome to contact the Owner.

Any use of Cookies – or of other tracking tools — by this Website or by the owners of third-party services used by this Website serves the purpose of providing the Service required by the User, in addition to any other purposes described in the present document and in the Cookie Policy.

Users are responsible for any third-party Personal Data obtained, published or shared through this Website.

Mode and place of processing the Data

Methods of processing

The Owner takes appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of the Data.

The Data processing is carried out using computers and/or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to the Owner, in some cases, the Data may be accessible to certain types of persons in charge, involved with the operation of this Website (administration, sales, marketing, legal, system administration) or external parties (such as third-party technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed, if necessary, as Data Processors by the Owner. The updated list of these parties may be requested from the Owner at any time.

Place

The Data is processed at the Owner’s operating offices and in any other places where the parties involved in the processing are located.

Depending on the User’s location, data transfers may involve transferring the User’s Data to a country other than their own. To find out more about the place of processing of such transferred Data, Users can check the section containing details about the processing of Personal Data.

Retention time

Unless specified otherwise in this document, Personal Data shall be processed and stored for as long as required by the purpose they have been collected for and may be retained for longer due to applicable legal obligation or based on the Users’ consent.

The purposes of processing

The Data concerning the User is collected to allow the Owner to provide its Service, comply with its legal obligations, respond to enforcement requests, protect its rights and interests (or those of its Users or third parties), detect any malicious or fraudulent activity, as well as the following: Contacting the User, Analytics, Advertising, Remarketing and behavioral targeting and Tag Management.

For specific information about the Personal Data used for each purpose, the User may refer to the section “Detailed information on the processing of Personal Data”.

Detailed information on the processing of Personal Data

Personal Data is collected for the following purposes and using the following services:

Advertising

This type of service allows User Data to be utilized for advertising communication purposes. These communications are displayed in the form of banners and other advertisements on this Website, possibly based on User interests.

This does not mean that all Personal Data are used for this purpose. Information and conditions of use are shown below.

Some of the services listed below may use Trackers for identifying Users, behavioral retargeting i.e. displaying ads tailored to the User’s interests and behavior, or to measure ads performance. For more information, please check the privacy policies of the relevant services.

Services of this kind usually offer the possibility to opt out of such tracking. In addition to any opt-out feature offered by any of the services below, Users may learn more on how to generally opt out of interest-based advertising within the dedicated section “How to opt-out of interest-based advertising” in this document.

Google Ads conversion tracking (Google LLC)

Google Ads conversion tracking is an analytics service provided by Google LLC that connects data from the Google Ads advertising network with actions performed on this Website.

Personal Data processed: Trackers; Usage Data.

Place of processing: United States – Privacy Policy.

Category of personal information collected according to the CCPA: internet or other electronic network activity information.

This processing constitutes: a sale according to the CCPA, VCDPA, CPA, CTDPA and UCPA; targeted advertising according to the CPA, CTDPA and UCPA.

Microsoft Advertising (Microsoft Corporation)

Microsoft Advertising is an advertising service provided by Microsoft Corporation.

Personal Data processed: Trackers; Usage Data.

Place of processing: United States – Privacy Policy – Opt Out.

Category of personal information collected according to the CCPA: internet or other electronic network activity information.

This processing constitutes: a sale according to the CCPA, VCDPA, CPA, CTDPA and UCPA; a sharing according to the CCPA; targeted advertising according to the VCDPA, CPA, CTDPA and UCPA.

TikTok conversion tracking (TikTok Inc.)

TikTok conversion tracking is an analytics and behavioral targeting service provided by TikTok Inc. that connects data from the TikTok advertising network with actions performed on this Website. The TikTok pixel tracks conversions that can be attributed to TikTok ads and enables to target groups of Users on the base of their past use of this Website.

Personal Data processed: device information; Trackers; unique device identifiers for advertising (Google Advertiser ID or IDFA, for example).

Place of processing: United States – Privacy Policy.

Category of personal information collected according to the CCPA: identifiers; internet or other electronic network activity information.

This processing constitutes: a sale according to the CCPA, VCDPA, CPA, CTDPA and UCPA; targeted advertising according to the CPA, CTDPA and UCPA.

Analytics

The services contained in this section enable the Owner to monitor and analyze web traffic and can be used to keep track of User behavior.

Google Analytics (Google LLC)

Google Analytics is a web analysis service provided by Google LLC (“Google”). Google utilizes the Data collected to track and examine the use of this Website, to prepare reports on its activities and share them with other Google services.

Google may use the Data collected to contextualize and personalize the ads of its own advertising network.

Personal Data processed: Tracker; Usage Data.

Place of processing: United States – Privacy Policy – Opt Out.

Category of personal information collected according to the CCPA: internet or other electronic network activity information.

This processing constitutes: a sale according to the CCPA, VCDPA, CPA, CTDPA and UCPA; targeted advertising according to the CPA, CTDPA and UCPA.

SMS/Text Messaging Terms & Conditions

By opting in to receive SMS/text messages from The Tipton Agency LLC, you agree to the following terms:

Program Description: We send text messages to provide insurance quotes, application updates, scheduling confirmations, and career opportunity information to users who have opted in.
Message Frequency: Message frequency varies based on your interaction with our agents and services. You may receive multiple messages during the application or quoting process.
Cost: Message and data rates may apply. Check with your mobile carrier for details.
Opt-Out: You can cancel the SMS service at any time. Just text "STOP" to the short code or number. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
Help: If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected] or 623-230-9507.
Carrier Liability: Carriers are not liable for delayed or undelivered messages.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

The Tipton Agency LLC
25 First Ave SW Ste A
Watertown, SD 57201-3507
[email protected]
623-230-9507