Get Covered
In Minutes.
Protect your family, mortgage, and future. Apply online in minutes or work with a licensed advisor.
⏱ Your rate increases ~10% every 6 months you wait. Lock in your lowest price today.
0+ Texas families protected this year
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One Agency. Six Ways
To Protect What Matters.
Whether you're protecting a paycheck, a mortgage, a business, or a legacy — we have the right product and the right carrier for your situation.
Protect My Mortgage
You worked for this home. A term policy keeps your family in it — even if you're not around to make the payments. Lock in your rate before it climbs.
Protect My Family
Your paycheck is your family's foundation. If it disappeared tomorrow, term life replaces your income until your kids are grown and your mortgage is paid.
Protect My Income
1 in 4 workers becomes disabled before retirement. Disability income, critical illness, and accident coverage keep your paycheck alive — even when you can't work.
Protect My Business
The loss of a key person can close a business in months. Key person insurance, buy-sell agreements, and executive benefits keep the doors open and the partners funded.
Protect My Legacy
Permanent life insurance builds tax-free cash value, transfers wealth to your heirs efficiently, and locks in your insurability — now, while you still qualify.
Protect My Retirement
Build tax-advantaged cash value that grows with the market and never loses in a downturn. An IUL or fixed annuity gives you a private pension you control — funded and protected.
What the Insurance Industry Doesn't Want You to Know
Covered in 4 Steps.
Not 4 Weeks.
We killed every unnecessary step in the traditional process. Apply in minutes online — or call us and we'll walk you through it live.
Get Quoted
Answer a few quick questions and see your real-time rate instantly — no personal info needed.
Pre-Qualify
We check your eligibility in seconds. Most Texans qualify immediately. No credit check.
Apply Your Way
Complete your secure application online in minutes, or connect with a licensed advisor.
Get Covered
Receive an instant underwriting decision. Policy issued and active the same day.
Know Before You Buy
Free AI-powered tools that tell you exactly what coverage you need — before you ever talk to an agent.
Family Protection Simulator
If you died tomorrow, how long would your family's savings last? See the answer live as you adjust income, mortgage, and dependents.
Life Coverage Architect
5 questions. Your exact coverage number. Powered by Zenith OS AI — the same engine behind our licensed advisors.
30+ Contracted Carriers — Compared Instantly
Tower Hill
vs. Other Online Insurers.
We shop 60+ A-rated carriers — so you get the best rate from the strongest carrier for your age, health, and budget. Here's what that means for your family.
No personal info required · Texas residents only · Instant results
Transparent Pricing.
No Surprises.
See your estimated rate before applying. Understand your coverage options and make informed decisions with confidence.
Know What You're Buying.
Life insurance shouldn't be confusing. Get transparent pricing, straightforward coverage options, and the flexibility to apply online or speak with a licensed advisor when you need guidance.
Built for Families.
Not for Boardrooms.
Every decision we made — from our instant underwriting to our no-exam application — was made with one question: "Is this actually good for the family buying it?" That's it. No other insurance company in Texas asks this question first.
No More 6-Week Waits
Traditional carriers make you wait weeks for a decision. Tower Hill's platform delivers your answer in minutes — same day, no paperwork shuffle.
Backed by 30+ A-Rated Carriers
Every carrier in our network holds an A+ or A++ rating from AM Best — the industry's independent financial strength benchmark. You get institutional-grade security, not startup risk.
Transparent Pricing
The rate you see is the rate you pay — direct from your carrier. No markups, no inflated premiums, no surprises. We compare 30+ carriers so you always get the best available price.
Texas-Built, Texas-Focused
We live here too. Our coverage options, pricing, and licensed advisors are built specifically for Lone Star State families — not copy-pasted from a national template.
I kept putting off life insurance for years. Tower Hill walked me through everything in under an hour. My wife and kids are covered and I pay less than my Netflix subscription.
Real Clients. Real Coverage.
I kept putting off life insurance for years. Tower Hill walked me through everything in under an hour. My wife and kids are covered and I pay less than my Netflix subscription.
As a self-employed photographer, I didn't think I could qualify. Ty found me a no-exam policy in 20 minutes. The whole process felt nothing like I expected — simple and honest.
We've been clients for two years. The IUL Ty recommended has grown every year and we have a death benefit the whole time. It's the best financial decision we made at 52.
Have coverage with Tower Hill? Leave a Google Review
Living Benefits —
Life Insurance You Can Use While You're Alive.
Most people think life insurance only pays when you die. The top carriers we work with include Accelerated Death Benefits — meaning if you're diagnosed with a terminal or chronic illness, you can access a portion of your death benefit while you're still living. Medical bills. Mortgage. Your choice.
Common Outcomes. Real Protection.
These are representative scenarios based on the types of clients we serve. Individual quotes and outcomes vary by health profile and coverage needs.
A 38-year-old Houston homeowner with two kids wanted $500K in coverage without the sales pressure. After comparing rates from multiple carriers, he locked in $500K of 20-year term at a monthly premium well under $50 — online, in about 20 minutes.
A 44-year-old with a managed health condition was concerned about being denied. By matching her profile to the right carrier's underwriting guidelines upfront, she was approved at standard rates with whole life coverage that also builds cash value.
A Dallas electrician was out of work for 10 weeks after an injury. His disability income policy — just over $30/month — replaced a substantial portion of his income the entire time. He didn't miss a single mortgage payment.
Already a client? Your review helps Texas families make confident decisions.
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No personal information. No commitments. A real number, right now — backed by 60+ top-rated carriers, the same carrier Fortune 500 executives trust for their families.
Not All Carriers Are Equal.
We Chose the Gold Standard.
The carrier behind your policy is the one writing your family's check when it matters most. We shop 30+ rigorously vetted, A-rated carriers — so you get the strongest coverage at the best price.
30+ Contracted Carriers
The Other Guys
"We shop 30+ top-rated carriers so your family gets the best price from the strongest carrier — not the most convenient one for us. That's who answers when it matters most."
What Does Life Insurance Actually Cost?
Sample monthly rates for a healthy, non-smoking Texan. 20-year term policy. Most people pay less than a cell phone bill.
* Sample rates are illustrative only. Actual premiums depend on your health, medical history, occupation, and underwriting results. Rates shown for Preferred Non-Tobacco class. Get your exact rate in 60 seconds — no personal info required.
Get My Exact RateStop Leaving Them
Unprotected.
It takes 60 seconds to see your real rate — and the same day to get covered. The hardest part is deciding to start. We made that part easy.