A tax-free lump sum paid directly to you upon a covered diagnosis — heart attack, stroke, cancer, and more. No medical bills to submit. No restrictions on use.
When a serious illness strikes, your financial problems go far beyond the hospital bill. There's lost income while you recover, out-of-pocket costs your health plan doesn't cover, travel to treatment centers, and the cost of childcare or in-home help.
Tower Hill's Critical Illness policy pays you a cash lump sum — between $5,000 and $500,000 — directly at diagnosis. No receipts. No network restrictions. You spend it however your family needs.
Tower Hill carrier network CI Coverage at a Glance
Complete a simple health application. Simplified issue up to $75,000 — no exam required. Fully underwritten up to $500,000.
Most applicants receive a decision quickly. Coverage is issued as a standalone renewable policy — not tied to your employer.
When you receive a covered diagnosis, submit a claim. Tower Hill carrier network pays you directly — a lump sum to your bank account.
No bills to submit. No provider networks. You decide: mortgage, treatment, income replacement, caregiving, or anything else.
Tower Hill carrier network pays a percentage of your selected benefit amount based on the severity of the condition.
Acute myocardial infarction
Resulting in permanent neurological deficit
Malignant tumor with uncontrolled spread
End-stage renal disease requiring dialysis
Confirmed diagnosis requiring ongoing care
Permanent loss of use of two or more limbs
Unresponsive state lasting 96+ hours
Coronary artery bypass grafting
Percutaneous coronary intervention
Carcinoma in situ or similar
Heart, lung, liver, kidney, or pancreas
Benefit percentages are of total elected coverage amount. Subject to policy terms and state-specific language. 30-day waiting period applies to cancer.
Both provide critical illness protection — but they work differently. Many clients carry both.
| Feature | CI Policy | Free ADB Rider on Term Life |
|---|---|---|
| Standalone policy | ✓ Yes | ✗ Attached to term life |
| Benefit type | Lump sum (full) | Acceleration of death benefit |
| Reduces death benefit | ✗ No | ✓ Yes — reduces remainder |
| Extra premium | ✓ Yes (separate policy) | ✗ Free on Tower Hill carrier network term |
| Coverage limit | Up to $500,000 | Based on term life face amount |
| Additional Diagnosis Benefit | ✓ Yes | ✗ No |
| Return of Premium on Death | ✓ Yes | ✗ No |
| Renewable for life | ✓ Yes (to age 80+) | ✗ Ends when term ends |
Premiums waived if you become totally disabled
Monthly income benefit added to CI policy
Extend CI coverage to your spouse on one policy
Cover your dependent children for covered conditions
Get premiums back if you never claim
Lock in rates — carrier cannot increase premiums
Health insurance reimburses your medical providers. Critical illness insurance pays YOU a cash lump sum when you're diagnosed with a covered condition. There's no paperwork — you spend it how you need to: mortgage payments, lost income, experimental treatment, childcare, or anything else.
If you have an Tower Hill carrier network term life policy with the free ADB rider, you already have some critical illness protection through that policy. A standalone Critical Illness policy is SEPARATE and additional — it pays on top of your life insurance. Many clients carry both: the ADB rider protects their family's death benefit while the CI policy provides cash while they're still alive.
The Tower Hill carrier network Critical Illness policy has a 30-day waiting period for cancer diagnoses — meaning cancer diagnosed within 30 days of the policy effective date is not covered. All other covered conditions have no waiting period.
Yes. The benefit reduces by 50% at age 70. So if you hold a $100,000 CI policy and turn 70, your benefit becomes $50,000. Coverage remains renewable for life, however. This is standard for most CI products in the market.
Yes. Tower Hill carrier network includes an Additional Diagnosis Benefit — if you are diagnosed with a second or subsequent qualifying condition, you may be eligible for an additional benefit payout, subject to policy terms.
Tower Hill carrier network includes a Return of Premium on Death feature on this policy — if you die without having received a critical illness benefit, your estate receives back the premiums paid. This makes it a no-lose proposition for many clients.
Underwritten by Tower Hill carrier network carrier partners (A++ Superior, A.M. Best). Licensed Texas advisors. No spam, no pressure.
Tower Hill carrier network carrier partners · A++ (Superior) A.M. Best · Licensed Texas Agency #2608479TX