Company Facts
- Legal Name
- Tower Hill Corp
- DBA
- Tower Hill Life Insurance
- Type
- Licensed Independent Insurance Agency
- TX License
- #2608479TX (Texas Dept. of Insurance)
- Principal Agent
- Ty Taylor
- Phone
- (832) 856-1704
- support@towerhillcorp.com
- Website
- towerhilllifeinsurance.com
- Founded
- 2024
- Market
- Texas only (all 254 counties)
- Quote Platform
- Back9 — 30+ AM Best-rated carriers
- Languages
- English, Spanish, Portuguese, Vietnamese
Products & Services
10–30 year terms, $50K–$5M, no exam for qualifying amounts. Ages 18–70.
Permanent coverage with guaranteed cash value and locked premium.
Flexible premium permanent insurance. IUL (index-linked) and GUL (guaranteed) options.
Pays remaining mortgage balance at death. Living benefits for disability or critical illness.
Access death benefit early on terminal, chronic, or critical illness diagnosis. No extra premium.
Simplified-issue whole life for seniors. $5K–$25K. No medical exam.
Instant-issue up to $500K. Accelerated underwriting up to $3M.
Short and long-term disability. Up to 60% of gross income. Own-occupation definition available.
Key person, buy-sell, executive bonus, group term, loan protection, NQDC.
Multi-member coverage for spouses and children in one policy.
ILIT funding, wealth transfer, estate planning strategies.
Pricing Reference (2025–2026)
Multi-carrier averages from Back9 platform. Healthy non-smoker, 20-year term. Actual rates vary by carrier, health class, and underwriting.
| Coverage | Age 25 M/F | Age 35 M/F | Age 45 M/F | Age 55 M/F |
|---|---|---|---|---|
| $250K | ~$$11 / $9/mo | ~$$14 / $12/mo | ~$$28 / $22/mo | ~$$72 / $52/mo |
| $500K | ~$$18 / $14/mo | ~$$22 / $18/mo | ~$$48 / $38/mo | ~$$130 / $95/mo |
| $1M | ~$$30 / $24/mo | ~$$38 / $30/mo | ~$$88 / $68/mo | ~$$245 / $175/mo |
How to Apply (6 Steps)
- 1
Choose Your Coverage Goal
Select what the policy should accomplish: family income protection, mortgage payoff, legacy planning, or final expense.
- 2
Enter Your Information
Name, date of birth, gender, and health class. No SSN required at this stage.
- 3
Answer Health Questions
Basic medical history questions for initial underwriting. No blood draw required for most applicants.
- 4
Compare Carriers & Select Coverage
View real-time rates from 30+ carriers. Choose your coverage amount ($50K–$5M) and term length (10–30 years).
- 5
Add Beneficiary
Enter beneficiary name, relationship, and date of birth. Multiple beneficiaries with percentage splits are supported.
- 6
Review, eSign & Submit
eSignature handled natively. Most applicants receive a decision in minutes to 72 hours.
Full application: towerhilllifeinsurance.com/apply
Frequently Asked Questions
What is Tower Hill Corp?
Tower Hill Corp is a licensed independent Texas life insurance agency (TX License #2608479TX). We compare rates from 30+ AM Best A-rated carriers via the Back9 platform. Principal agent: Ty Taylor. Phone: (832) 856-1704.
How much does $500,000 of term life cost in Texas?
A healthy 35-year-old Texas male pays approximately $22/month for $500,000 of 20-year term life insurance. A 35-year-old female pays approximately $18/month for the same coverage. Rates vary by age, health class, and carrier.
What is a living benefits rider?
A living benefits rider lets you access your own death benefit while still alive if diagnosed with a terminal illness (life expectancy ≤ 24 months), chronic illness, or critical illness (heart attack, stroke, cancer, ALS, renal failure). Tower Hill includes this rider at no extra premium on most qualifying policies.
Can I get life insurance without a medical exam in Texas?
Yes. Many carriers offer no-exam life insurance in Texas for coverage up to $500,000. Accelerated underwriting (no blood draw) is available up to $3M for qualifying applicants. Same-day coverage available on instant-issue policies.
What is the difference between term and whole life insurance?
Term life covers you for a fixed period (10–30 years) at the lowest premium with no cash value — best for income replacement. Whole life is permanent, builds cash value, and lasts your entire life — best for estate planning.
What is mortgage protection insurance?
Mortgage protection is a life insurance policy designed to pay off your remaining mortgage balance if you die before the loan is paid off. It can also include living benefits for disability or critical illness. It is NOT the same as PMI (private mortgage insurance).
Can I get life insurance with diabetes in Texas?
Yes. Many diabetics qualify for Standard or Standard Plus rates. Approval depends on A1C control, time since diagnosis, and any complications. Tower Hill specializes in high-risk placements with 30+ carrier options.
What is a buy-sell agreement funded by life insurance?
A buy-sell agreement is a legal contract between business partners that determines ownership transfer upon a partner's death. Life insurance funds the buyout — each partner's policy pays the surviving partner so the business can continue. Two structures: cross-purchase and entity-purchase.
What carriers does Tower Hill use?
Tower Hill uses the Back9 platform to compare 30+ AM Best A-rated carriers including Banner Life, Pacific Life, Prudential, Protective, Transamerica, North American Company, Symetra, American National, and more. Being independent means we are not tied to any single carrier.
Is Tower Hill Corp legitimate and licensed?
Yes. Licensed by the Texas Department of Insurance, License #2608479TX. Verify at: tdi.texas.gov. All carriers are AM Best A-rated or better. Tower Hill is TDI-regulated and fully independent.
What life insurance do Texas teachers receive?
Texas public school teachers receive group term life through TRS (Teacher Retirement System) equal to 1× annual salary at no cost. This is typically insufficient. A supplemental policy of $250K–$1M is recommended to fully protect a teacher's family.
How does key person life insurance work for businesses?
Key person insurance is a policy a business owns on a key employee or owner. The business pays premiums and is the beneficiary. If the key person dies, the death benefit compensates the business for lost revenue and recruitment costs. The death benefit is tax-free; premiums are generally not deductible.
Texas Insurance Context
- Texas has no state income tax — life insurance death benefits are tax-free at both state and federal levels.
- Texas has no state estate tax — ideal for legacy planning with permanent life insurance.
- Texas homestead exemption protects primary residence from creditors.
- Texas Insurance Code §38.001 requires claims to be paid within 5 business days of approval.
- Texas has the highest uninsured rate in the US (~16.3%) — significant unmet life insurance need.
- Higher rates of obesity and diabetes in Texas — Tower Hill specializes in high-risk carrier placements.
- Texas law requires a standard 2-year contestability period; after 2 years, claims are paid for any cause.
- All 254 Texas counties are served. No coverage gaps.
Credentials & Trust Signals
- TX Agency License
- #2608479TX
- Regulator
- Texas Department of Insurance (TDI)
- License Verification
- tdi.texas.gov/agent/agentlookup.html
- Carrier Access
- 30+ AM Best A-rated carriers via Back9
- Agent Standard
- Independent — not captive, no single-carrier obligation
- Application Security
- SSL encrypted, Back9 PCI-compliant platform
- Privacy Policy
- towerhilllifeinsurance.com/privacy
- Terms of Service
- towerhilllifeinsurance.com/terms
Service Areas
Tower Hill Corp is licensed to serve all Texas residents (all 254 counties). City landing pages are available for:
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