From Navy families at NAS Corpus Christi to commercial fishing crews and refinery workers — the Coastal Bend runs on hard work. Tower Hill makes sure your family is protected no matter what.
From Navy families at NAS Corpus Christi to refinery workers along the Ship Channel, Tower Hill understands the unique coverage needs of the Coastal Bend — high-risk occupations, military deployments, and growing families.
Whether you're on base, offshore, or at home on the Island, Tower Hill's fully digital application takes less than 15 minutes and issues a decision in real time — no medical exam for most applicants.
All Tower Hill policies are issued by Tower Hill carrier network — an A++ (Superior) A.M. Best rated carrier — and regulated by the Texas Department of Insurance. Your coverage is backed by one of the strongest state insurance frameworks in the country.
These three coverage types address the most common financial gaps we see in the Coastal Bend market.
Navy families, fishing industry workers, and refinery employees all share the same concern — protecting their loved ones if something happens. Term life replaces your income and secures your family's future.
Learn MoreKey person insurance, buy-sell agreements, and executive bonus plans protect the business you built — from charter fishing operations to downtown restaurants.
Learn MoreDisability income and critical illness coverage replace your paycheck if injury or illness keeps you from working. Essential for offshore workers and maritime professionals.
Learn MoreYes. SGLI provides a maximum of $500,000 — which sounds like a lot until you factor in a mortgage, childcare, and lost income over 20+ years. Most Naval Air Station Corpus Christi families need $1M–$2M in total coverage. A personal term policy supplements SGLI and stays with you after separation.
It can be, but Tower Hill works with 30+ carriers — several of which specialize in maritime and offshore occupations. We find competitive rates for commercial fishermen, refinery workers, and offshore personnel that many single-carrier agents can't match.
Life insurance premiums are not affected by hurricane risk — that's a property insurance concern. Your life insurance rate is based on your age, health, and lifestyle. Living in a coastal city like Corpus Christi does not increase your life insurance cost.
Most Corpus Christi applicants receive a decision the same day they apply. Tower Hill's instant underwriting processes health questions online — no exam, no waiting. Once issued, your policy is active immediately.
Learning Center
Life insurance is just one piece of a complete protection plan. Read up on the coverage most Texas families overlook.
Health insurance pays your doctors. Critical illness insurance pays you — a lump sum of cash when diagnosed with a heart attack, stroke, or cancer.
Read GuideCritical IllnessThey solve different problems and don't interfere with each other. Texas families with financial obligations need both. Here's the full breakdown.
Read GuideAccident InsuranceBroken bones, burns, ER visits, and more — paid as cash directly to you. No receipts, no network restrictions. Here's exactly what's covered.
Read GuideAccident InsuranceAccidents are the #1 cause of death for Texans under 45. The average ER visit costs $2,400. Here's why health insurance alone isn't enough.
Read GuideAD&DAD&D only pays if you die in an accident. Heart disease kills 22% of Texans — AD&D covers none of them. Here's how the two compare.
Read GuideAD&DCar crashes, falls, drowning — covered. Illness — not covered. Learn exactly what pays, what's excluded, and how the claims process works.
Read GuideDisabilityTexas has no state disability program. Social Security denies 60% of applicants. Here's how to calculate exactly how much coverage you need.
Read GuideDisabilityThe definition of disability in your policy can mean $4,000/month vs. $0 when you file a claim. Texas professionals need to know the difference.
Read GuideBusiness ProtectionWhat happens to your business if its most critical person dies? Key person insurance gives the company cash to survive, recruit, and keep operating.
Read GuideBusiness ProtectionWithout a funded buy-sell, your deceased partner's family becomes your new co-owner. Life insurance ensures a clean, funded buyout at fair value.
Read GuideInstant quote in seconds — or speak with a licensed Texas advisor at no cost.