Houston households average 2.71 people — larger than most major metros. When both spouses work and there's a mortgage, childcare, and a future to build, the coverage math has to be right. Tower Hill makes sure it is.
Three reasons Houston family protection clients trust us with their families.
Houston's dual-income culture means losing one paycheck can mean losing the house, childcare, and savings simultaneously. Insuring both spouses separately is a basic protection standard, not a luxury.
Houston's climate and workforce drive real chronic illness risks. A living benefits rider lets your family access part of the death benefit tax-free if you're diagnosed with a terminal or chronic illness — while you're still alive.
Childcare, college, the mortgage, car payments — a family protection policy can be sized to cover every dependent in your household. Tower Hill advisors do the math with you in one call.
Three tiers of coverage — choose what fits your Houston life and budget.
Yes. Even a stay-at-home parent provides $180K+ per year in economic value — childcare, household management, and logistics. Replacing that work costs real money. Both spouses should be insured.
Start with 10× your annual income, then add outstanding mortgage balance, estimated childcare costs, and college funding. For a Houston family earning $80K, that suggests a minimum of $800K–$1.2M in coverage.
Most Houston advisors recommend $500K minimum for families with a mortgage and children. If both spouses work, each should carry coverage sized to replace their individual income for 10+ years.
Yes — the Base ADB Rider is included at no extra cost on all base Tower Hill carrier network term policies, and it covers all three triggers: terminal illness, chronic illness, and critical illness qualifying events. There is also a separate optional Critical Illness Benefit Rider available for an additional premium if you want a standalone lump-sum specifically for critical illness diagnoses.
The earlier the better. Premiums are locked in at the age you apply. A healthy 32-year-old in Houston will pay significantly less per month than the same person at 42. Start before you need to.
Tower Hill serves all major Texas markets with licensed advisors and instant coverage decisions.
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Tower Hill Corp • TX License #2608479TX • Licensed in Harris County