Dallas-Fort Worth adds more than 100,000 people a year. Young families arriving for corporate jobs and opportunity need coverage that matches their ambition — not just their current income. Tower Hill builds family protection plans that grow with you.
Three reasons Dallas family protection clients trust us with their families.
Dallas's corporate ecosystem — financial services, tech, healthcare — means sudden layoffs are a real risk. Family protection ensures income continuity even when the 401(k) and group life both disappear on the same day.
Plano, Frisco, McKinney — Dallas suburbs carry $400K–$600K mortgages as standard. A family protection policy must be large enough to cover the mortgage, replace income, and fund education simultaneously.
Dallas families want coverage that works both ways — at death and during illness. The Base ADB Rider on Tower Hill carrier network term policies provides access to death benefit funds if you're diagnosed with terminal, chronic, or critical illness — included at no extra cost.
Three tiers of coverage — choose what fits your Dallas life and budget.
Insure each spouse separately. In DFW, losing one income often means losing the mortgage — especially with $400K+ suburban home loans. Each spouse should carry coverage sized to replace their individual income.
No. For a $95K Dallas salary, 2× group life provides $190K — enough to cover roughly 2 years of income. Family protection should cover 10+ years of income plus mortgage and childcare obligations.
The Base Accelerated Death Benefit (ADB) Rider covers all three triggers: terminal illness (12–24 month prognosis), chronic illness (unable to perform 2+ Activities of Daily Living), and critical illness qualifying events. This rider is included at no extra cost on all base Tower Hill carrier network term policies. You access a portion of your death benefit while you're still alive. An optional standalone Critical Illness Benefit Rider is also available for an additional premium.
You can add supplemental policies as your family expands. Starting a base policy early locks in lower rates at your current age. Tower Hill advisors build coverage plans designed to scale.
Absolutely. A stay-at-home parent provides $180K+ in economic value annually — childcare, household management, and logistics. Tower Hill typically recommends $300K–$500K coverage for the stay-at-home spouse.
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Tower Hill Corp • TX License #2608479TX • Licensed in Dallas County