Expert guidance for Texas families. Every article is sourced from verified Tower Hill carrier network product data and reviewed for compliance.
By Tower Hill Editorial Team | Reviewed by a Licensed TX Life Insurance Agent | TX Agency License 2608479TX | Last Reviewed: June 2026
What happens to your Texas business if its most critical person dies? Key person life insurance gives the company — not the family — a cash infusion to survive the loss, recruit a replacement, and keep operating.
Own-occupation means you get paid when your specific career is disrupted. Any-occupation means you get paid only when all work is impossible. The difference can be $4,000/month vs. $0 when you file a claim.
Texas has no state disability program. Social Security denies 60% of applicants. If you couldn't work for a year, what would happen to your mortgage? Here's how to calculate exactly how much disability coverage you need.
Accidental death insurance pays a lump sum when death results from a covered accident — but the definition of "accident" matters more than most people realize. Here's exactly what it covers, what it excludes, and how claims work.
AD&D only pays if you die in an accident. Life insurance pays no matter what. Heart disease kills 22% of Texans — AD&D covers none of them. Here's how the two products compare and when you need both.
Accidents are the #1 cause of death for Texans under 45. The average ER visit costs $2,400. And health insurance leaves a bigger gap than most families realize. Here's why accident insurance belongs in your financial plan.
Accident insurance pays you a cash benefit for covered injuries — broken bones, burns, dislocations, and more. No receipts, no network restrictions. Here's exactly what it covers and what it costs in Texas.
Health insurance pays your doctors. Critical illness insurance pays you. They solve different problems — and Texas families with financial obligations need both. Here's the full breakdown.
Health insurance pays your doctors. Critical illness insurance pays you — a lump sum of cash when you're diagnosed with a heart attack, stroke, or cancer. Here's how it works in Texas.
By Tower Hill Editorial Team | Reviewed by a Licensed TX Life Insurance Agent | TX Agency License 2608479TX | Last Reviewed: June 2024
By Tower Hill Editorial Team | Reviewed by a Licensed TX Life Insurance Agent | TX Agency License 2608479TX | Last Reviewed: June 2024
By Tower Hill Editorial Team | Reviewed by a Licensed TX Life Insurance Agent | TX Agency License 2608479TX | Last Reviewed: June 2024
By Tower Hill Editorial Team | Reviewed by a Licensed TX Life Insurance Agent | TX Agency License 2608479TX | Last Reviewed: June 2024
By Tower Hill Editorial Team | Reviewed by a Licensed TX Life Insurance Agent | TX Agency License 2608479TX | Last Reviewed: June 2024
Without a funded buy-sell agreement, your deceased partner's family becomes your new co-owner. Life insurance ensures surviving partners have cash to buy out the estate — cleanly, quickly, and at fair value.
Underwriting is the process that determines your life insurance rate — and understanding it can save you hundreds per year. Here's how health classifications work, what underwriters look at, and exactly how to prepare for the best possible rate in Texas.
An Accelerated Death Benefit rider lets you access up to 75% of your life insurance while still alive if diagnosed with a terminal illness. On Assurity policies through Tower Hill, it's included free. Here's exactly how it works.
Return of Premium pays back every dollar you spent in premiums if you outlive your policy. But is it worth the higher cost? We run the numbers — and the answer depends on one honest question about yourself.
1 in 4 Texas workers will be disabled for 90+ days before retirement. Short-term disability covers the first 3–6 months. Long-term disability takes over after that. Here's what you need and what it costs.
Choosing the wrong term length costs your family money — either in wasted premiums or in re-applying when you're older and less healthy. Here's how to pick the right term for your Texas family.
The "10x salary" rule leaves most Texas families underinsured. The DIME method — Debt, Income, Mortgage, Education — gives you a precise coverage number. Here's how to calculate yours.
Most Texas homeowners skip the one policy that actually protects their mortgage payment. Here's what mortgage protection life insurance does, what it costs, and why a standalone term policy beats bank credit life every time.
Living benefits let you access your life insurance money while you're still alive. Assurity's free ADB rider activates at terminal illness. Optional CI and chronic illness riders expand that protection further. Here's how it all works.
They sound similar. They serve different purposes. Here's how critical illness and disability insurance fit together — and which Texas families need which product.
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