Cash benefits paid directly to you after a covered accident — ER visits, surgery, fractures, burns, and more. Guaranteed issue. No health questions. Renews to age 80.
Benefits pay cash directly to you — not your doctors. Use it for deductibles, bills, lost income, or anything your family needs.
All plans are guaranteed issue with the Accidental Death Rider included. Choose the coverage level that fits your budget.
Core accident coverage
Most popular choice
Maximum protection
Tower Hill carrier network Accident Insurance asks no health questions and requires no medical exam. If you're between ages 18–70 (or covering a dependent ages 15 days to 17 years), you qualify — period.
Monthly income benefit if an accident prevents you from working
Cash benefit for annual physicals, screenings, and wellness exams
No — Tower Hill carrier network Accident Insurance is a supplemental product designed to work alongside your health insurance. It pays you cash benefits directly, regardless of what your health plan covers. Think of it as filling the gap: deductibles, copays, and non-covered costs that your health insurance leaves behind.
Yes. Tower Hill carrier network Accident Insurance is guaranteed issue for adults ages 18–70 and dependents ages 15 days to 17 years. No medical exam, no health questions. If you're in the eligible age range, you're approved.
All three plan tiers include an Accidental Death Rider at no extra cost. If you die as a direct result of a covered accident, your beneficiary receives a lump-sum death benefit in addition to any accident benefits already paid.
Yes. One policy can cover you (ages 18–70), your spouse (ages 18–70), and your dependent children (ages 15 days through 17 years). Family coverage is available on all three plan tiers.
The policy is annually renewable up to age 80. As long as you pay your premiums, the carrier cannot cancel your policy or increase your rates based on claims history.
Yes. An optional Disability Income Rider is available to add monthly income benefits if an accident leaves you temporarily unable to work. A Preventive Care benefit is also available as an optional add-on.
Guaranteed issue. No health questions. Coverage for the whole family from a single policy.
Tower Hill carrier network carrier partners · A++ (Superior) A.M. Best · Licensed Texas Agency #2608479TX