Not all life insurance is equal. See why thousands of Texas families choose Tower Hill — A++ (Superior)-rated carrier, no-exam approval, same-day decisions.
The best policy is the one that pays. That means an A++ (Superior)-rated carrier, transparent pricing, and a company that actually answers the phone.
Tower Hill shops 30+ carriers — all rated A+ or A++ by A.M. Best. We only work with financially strong, proven carriers so your family is protected by the best in the industry.
Skip the blood draws and nurse visits. Our accelerated underwriting platform approves most Texans for up to $500K in coverage through a short digital questionnaire — same day.
Not a call center. Tower Hill's Texas-licensed advisors know local regulations, family structures, and the mortgage market. Real guidance when you need it.
Every policy includes living benefit riders at no extra cost — access a portion of your death benefit early if diagnosed with a terminal, critical, or chronic illness.
| Feature | Tower Hill | Big Box Carriers |
|---|---|---|
| No medical exam required | ✓ | ✗ |
| Same-day approval decision | ✓ | ✗ |
| Licensed Texas advisors on call | ✓ | ✗ |
| Living benefits riders included | ✓ | ✗ |
| A++ (Superior) carrier backing | ✓ | ✓ |
| Online application — no agent required | ✓ | ✓ |
| Texas-specific guidance | ✓ | ✗ |
Pure, affordable protection for 10, 15, 20, or 30 years. Best for families, mortgages, and income replacement.
Get covered with no blood draw, no nurse visit. Up to $500K via accelerated underwriting — decision same day.
Life insurance that pays while you're still living — access your benefit early on terminal, critical, or chronic illness.
The "best" company depends on your needs. Tower Hill shops 30+ contracted carriers, so we match you to the right carrier for your age, health, and budget. For Texans who want no-exam coverage up to $500K, fast digital approval, and licensed local support, Tower Hill consistently delivers the best available rate from carriers like Banner, Prudential, Pacific Life, Protective, Transamerica, North American, and more.
A healthy 35-year-old Texan can get $500,000 of 20-year term coverage starting at $22–$30/month. Permanent policies and higher coverage amounts cost more. Your exact rate depends on your age, health history, gender, coverage amount, and term length.
For straightforward term coverage, buying online is faster and often cheaper (no agent commission built in). For complex needs — business coverage, estate planning, or health complications — working with a licensed advisor adds real value. Tower Hill offers both: instant online quotes and licensed advisor support at no extra cost.
Look at: (1) the carrier's financial strength rating — A or better is essential; (2) the policy type — term for pure protection, permanent for cash value; (3) underwriting requirements — exam vs. no-exam; (4) riders available — living benefits, waiver of premium; and (5) the total premium over the policy term.
Term life pays a death benefit if you pass during a set period (10–30 years) — it's affordable and straightforward. Whole life (or universal life) is permanent, builds cash value over time, and costs more. Most Texas families start with term, then add permanent coverage later if needed.
Yes. The Texas Department of Insurance (TDI) regulates all carriers operating in Texas and requires licensed agencies. Texas law also provides strong beneficiary protections, a 30-day free-look period for new policies, and specific rules around policy replacement. Tower Hill holds TX Agency License #2608479TX.
No obligation. No sales calls unless you ask. Just your honest rate from an A++ (Superior) Texas carrier.
Sample rates for healthy 35-year-old male, $500K / 20-yr term. Actual rates vary. Tower Hill Corp · TX License #2608479TX