Financial Insights
Expert advice on life insurance, retirement planning, and wealth building strategies.
Watch: How Living Benefits Actually Work
In this short video, we break down exactly how you can access your life insurance policy's death benefit while you are still alive to pay for medical bills and replace lost income.
Why an Independent Agent Gets You a Better Deal Than Going Direct
You can buy life insurance directly from a company's website. Plenty of people do. So why would you work with an independent agent instead?
5 Life Insurance Myths That Are Costing You Money
I talk to people about life insurance every day, and I hear the same misconceptions over and over. Some of them are just outdated information. Others are flat-out wrong. And a few of them are actively
Term vs. Whole Life Insurance — Which One Is Right for You?
This is probably the most common debate in life insurance: should you get term or whole life?
Term Life Insurance — The Most Affordable Way to Protect Your Family
Most people put off buying life insurance because they think it's expensive. And honestly, I get it. When you hear "life insurance," your brain probably jumps to big monthly payments and complicated c
Living Benefits — Life Insurance That Works While You're Still Alive
Most people think life insurance only pays out when you die. And for a long time, that was mostly true. But modern life insurance policies have changed the game with something called living benefits.
Final Expense Insurance — Give Your Family Peace of Mind
Nobody likes thinking about this stuff. But here's the reality: the average funeral in the U.S. costs between $7,000 and $12,000. Add in medical bills, legal fees, and other end-of-life expenses, and
Mortgage Protection Insurance — Keep Your Family in Their Home
You worked hard to buy your home. The last thing you want is for your family to lose it because they can't keep up with mortgage payments if something happens to you.
What Is an IUL? A Plain-English Guide to Indexed Universal Life Insurance
If you've been researching life insurance online, you've probably run into the acronym "IUL" and thought: what is that, and is it worth looking into?
Whole Life Insurance — Lifelong Coverage That Builds Wealth
If term life insurance is like renting protection, whole life insurance is like owning it. It covers you for your entire life (not just a set number of years), and it builds cash value along the way t
How to Get Life Insurance Leads: 10 Strategies That Work
Discover 10 proven strategies for generating life insurance leads, from leveraging your warm market to mastering digital marketing. This guide provides actionable tips for new and aspiring agents to build a sustainable pipeline of clients.
What Is the Best CRM for Life Insurance Agents? Go High Level vs. Quility's Funnel
If you're a life insurance agent trying to figure out which CRM to use, you've probably been overwhelmed by the options. The two that stand out for life insurance agents in 2026 are Go High Level and Quility's React CRM, called Funnel.
Is Selling Life Insurance a Pyramid Scheme? The Truth
A direct, myth-busting article that honestly addresses this common concern, explains the difference between legitimate insurance sales and MLMs, and provides clear criteria for evaluation.
Can I Really Make Six Figures Selling Life Insurance?
Yes, you can absolutely make six figures selling life insurance. This data-driven article provides a realistic look at income timelines, what it takes to reach six figures, and an honest assessment of the work required.
Why Choose The Tipton Agency? Our Story, Culture, and Values
Discover what makes The Tipton Agency unique. Learn about our story, our culture of continuous growth and integrity, and how we empower our agents to build successful careers in the life insurance industry.
Our Commission Structure: Transparent and Agent-First
Discover The Tipton Agency's agent-first commission structure, offering 80-130% commission rates, equity partnership opportunities, and a clear path to financial success. Learn how our transparent model compares to industry averages and supports your growth.
How to Sell Life Insurance from Home in 2026: A Practical Guide
Discover how to build a successful life insurance career from home in 2026. This guide covers the essential steps, from getting licensed and setting up your home office to mastering remote sales tools and techniques for a flexible and lucrative career.
The Best Life Insurance IMOs for New Agents: A 2026 Comparison Guide
Choosing the right Insurance Marketing Organization (IMO) is one of the most critical decisions a new life insurance agent will make. This guide compares the top IMOs, explains key evaluation criteria like contracts and training, and shows how The Tipton Agency supports agent success.
What Is Final Expense Life Insurance? A Complete Agent's Guide
Learn everything you need to know about final expense life insurance in this comprehensive guide for agents. Discover what it is, who it's for, and how to sell it effectively.
The Ultimate Guide to Becoming a Life Insurance Agent in 2026
Discover the definitive path to becoming a life insurance agent in 2026. This guide covers everything from licensing and income potential to daily activities and choosing the right agency to build a successful career.
Become a Life Insurance Agent in South Dakota: A 2026 Guide
Ready to become a life insurance agent in South Dakota? This guide covers licensing requirements, costs, and the market opportunity in SD. Learn why The Tipton Agency is the ideal partner for your new career.
How to Sell Life Insurance Over the Phone: A Step-by-Step Guide
Master the art of selling life insurance over the phone with our step-by-step guide. Learn how to build rapport, conduct a needs analysis, handle objections, and close sales effectively.
IMO vs. FMO vs. NMO: What's the Difference for Insurance Agents?
Understand the key differences between an IMO, FMO, and NMO. This article breaks down the insurance marketing hierarchy, helping new and aspiring agents choose the right partner to build their career.
10 Critical Questions to Ask Before Joining a Life Insurance IMO
Before joining a life insurance IMO, you must ask critical questions about their commission structure, lead programs, training, and release policies. This checklist-style article provides the critical questions every agent should ask to ensure they partner with an organization that aligns with their financial goals and career aspirations.
Life Insurance Career for Veterans: A Perfect Fit
A career in life insurance is an excellent fit for military veterans because the core principles of military service—discipline, integrity, and a mission-driven mindset—are the exact qualities that define a successful and trustworthy insurance agent. Veterans transition naturally into this field, leveraging their ingrained skills to protect families and build a rewarding, independent career.
Life Insurance for Teachers: A Guide to a New Career
Feeling burnt out from teaching? Discover why a career in life insurance is a perfect fit for educators. Learn how your skills translate to success, compare income potential, and find out how to start your new career.
How to Build a Life Insurance Agency from Scratch: A 2026 Guide
Ready to build your own life insurance agency? This comprehensive guide walks you through every step, from licensing and choosing an IMO to recruiting agents and generating leads. Learn how to transition from a solo agent to a successful agency owner.
How to Use Facebook Ads to Get Life Insurance Leads: A Tactical Tutorial
Learn how to leverage Facebook ads to generate a steady stream of qualified life insurance leads. This tactical tutorial covers everything from ad setup and targeting to creative examples and measuring ROI.
What Is the Failure Rate for New Life Insurance Agents (And How to Beat It)
The failure rate for new life insurance agents is 80-90%, but this is often due to a lack of training, mentorship, and quality leads. This article explores why agents fail and provides a concrete action plan to be in the successful minority.
What Is an IMO? The Complete Guide for Insurance Agents
Discover what an Insurance Marketing Organization (IMO) is and how it can transform your career as an independent agent. This guide covers the benefits of joining an IMO, from higher commissions and lead support to world-class training.
Captive vs. Independent Insurance Agent: Which Is Right for You?
Deciding between a captive and independent insurance agent career? This article breaks down the key differences in commissions, product access, support, and ownership to help you choose the right path.
How Much Do Life Insurance Agents Make? Real Numbers for 2026
In 2026, a life insurance agent's income can range from a modest $30,000 in the first year to well over $150,000 for experienced agents. The average salary hovers around $80,000, but this figure is heavily influenced by commissions. Your actual earnings will depend on your effort, agency support, and commission structure.
Life Insurance Agent Career: Your Top Questions Answered
Considering a career as a life insurance agent? This FAQ-style article answers the 20 most common questions about getting started, income potential, daily life, and growth opportunities in the industry.
Don't Leave Money on the Table: 5 Retirement Planning Mistakes That Could Cost You Thousands
Retirement planning can feel overwhelming, but avoiding common pitfalls is crucial for securing your financial future. We explore five significant mistakes that often derail retirement savings and how you can sidestep them. Learn how proper planning can save you thousands in the long run.
How Much Life Insurance Do You Actually Need?
This is the question I get more than any other: "Trevor, how much life insurance do I actually need?"
IUL Explained: How Indexed Universal Life Insurance Can Fund Your Tax-Free Retirement
What if you could grow retirement savings with market-like returns, protect yourself from crashes, and access money tax-free? That's the promise of IUL.
Term vs. Whole Life Insurance: Which Is Right for You?
One of the most common questions we hear is: Should I get term or whole life insurance? The answer depends on your unique financial situation, goals, and family needs.
Understanding Living Benefits: Life Insurance You Don't Have to Die to Use
Modern life insurance has evolved dramatically. Today's policies can include powerful features called living benefits that allow you to access your policy's death benefit while you're still alive.