Meta, Apple, Tesla, Google — Austin's tech corridor offers some of the best employer benefits in America. But group life at 2× salary disappears when the job does. And startup equity doesn't pay the mortgage. Tower Hill builds coverage that outlasts every employer.
Three reasons Austin family protection clients trust us with their families.
Austin's tech workforce moves frequently — new companies, acquisitions, layoffs. An individual term policy is yours regardless of employer. It moves with you, not with your badge.
Austin's tech salaries create larger replacement income needs. A $120K earner who dies leaves behind a $1.2M+ coverage gap under the standard 10× rule. Group life at $240K barely covers 2 years.
Austin's startup ecosystem means many founders have all their wealth tied up in equity. A family protection policy provides immediate liquidity for your family regardless of whether the startup ever IPOs.
Three tiers of coverage — choose what fits your Austin life and budget.
A term policy provides immediate, liquid cash for your family — not tied to company valuation, vesting schedules, or liquidation events. If something happens to you, your family is covered regardless of company outcome.
Employer supplemental life is convenient, but it ends when the job ends. A private policy is always recommended for long-term family protection — it's portable, individually owned, and not subject to employer benefit cuts.
Yes. Each partner should have separate, individually owned coverage. In Austin's high-cost market, losing one tech salary often means leaving Austin entirely — or selling the home. Both partners need protection.
Yes. All base Tower Hill carrier network term policies include the Base ADB Rider at no extra cost — covering terminal illness, chronic illness, and critical illness qualifying events. You can access a portion of your death benefit while you're still alive. An enhanced Critical Illness Benefit Rider is also available as an optional add-on for an additional premium.
You can layer additional policies as income increases. Starting a base policy early locks in your current age's lower premium — even if you add more coverage later when your income is higher.
Tower Hill serves all major Texas markets with licensed advisors and instant coverage decisions.
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Tower Hill Corp • TX License #2608479TX • Licensed in Travis County