From Dyess Air Force Base families to ranchers across Taylor County — Abilene works hard and deserves life insurance that works just as hard. Tower Hill delivers instant, affordable coverage.
Abilene is home to Dyess Air Force Base and surrounded by working ranches. Tower Hill understands the unique coverage needs of both military families and agricultural workers — from deployment risks to farm equipment accidents.
Whether you're at Dyess, in the field, or at home in Abilene, Tower Hill's fully digital application takes less than 15 minutes, issues a decision in real time, and never requires a medical exam for most applicants.
All Tower Hill policies are issued by Tower Hill carrier network — an A++ (Superior) A.M. Best rated carrier — and regulated by the Texas Department of Insurance. Your coverage is backed by one of the strongest state insurance frameworks in the country.
These three coverage types address the most common financial gaps we see in the West Texas market.
Military families, ranchers, and young professionals all share one priority — making sure their loved ones are financially secure. Term life replaces your income if the worst happens.
Learn MoreKey person insurance, buy-sell agreements, and executive bonus plans protect your Abilene business — from agricultural operations to downtown retail.
Learn MoreDisability income and critical illness coverage replace your paycheck if injury or illness keeps you from working. Essential for physical laborers and agricultural workers.
Learn MoreAbsolutely. SGLI maxes out at $500,000, but most Dyess families with a mortgage, kids, and a spouse need $1M–$2M in total coverage. A personal term policy supplements SGLI, stays with you after separation, and often costs less than VGLI after your service ends.
Yes. While some carriers add surcharges for farming and ranching occupations, Tower Hill works with 30+ carriers — including those that specialize in agricultural and rural occupations. We find competitive rates that single-carrier agents often can't.
The standard rule is 10–12× your gross income. For an Abilene household earning $65,000, that's $650K–$780K. If you carry a mortgage or have young children, add those obligations. Abilene's lower cost of living means many families can get adequate coverage for $30–$50/month.
Most Abilene applicants receive a same-day decision. Tower Hill's digital underwriting processes your application online — no medical exam, no waiting weeks. Whether you're on base at Dyess or working a ranch in Taylor County, coverage starts the day your policy is issued.
Learning Center
Life insurance is just one piece of a complete protection plan. Read up on the coverage most Texas families overlook.
Health insurance pays your doctors. Critical illness insurance pays you — a lump sum of cash when diagnosed with a heart attack, stroke, or cancer.
Read GuideCritical IllnessThey solve different problems and don't interfere with each other. Texas families with financial obligations need both. Here's the full breakdown.
Read GuideAccident InsuranceBroken bones, burns, ER visits, and more — paid as cash directly to you. No receipts, no network restrictions. Here's exactly what's covered.
Read GuideAccident InsuranceAccidents are the #1 cause of death for Texans under 45. The average ER visit costs $2,400. Here's why health insurance alone isn't enough.
Read GuideAD&DAD&D only pays if you die in an accident. Heart disease kills 22% of Texans — AD&D covers none of them. Here's how the two compare.
Read GuideAD&DCar crashes, falls, drowning — covered. Illness — not covered. Learn exactly what pays, what's excluded, and how the claims process works.
Read GuideDisabilityTexas has no state disability program. Social Security denies 60% of applicants. Here's how to calculate exactly how much coverage you need.
Read GuideDisabilityThe definition of disability in your policy can mean $4,000/month vs. $0 when you file a claim. Texas professionals need to know the difference.
Read GuideBusiness ProtectionWhat happens to your business if its most critical person dies? Key person insurance gives the company cash to survive, recruit, and keep operating.
Read GuideBusiness ProtectionWithout a funded buy-sell, your deceased partner's family becomes your new co-owner. Life insurance ensures a clean, funded buyout at fair value.
Read GuideInstant quote in seconds — or speak with a licensed Texas advisor at no cost.