Houston's real estate, energy, and business successes create significant estates — and significant estate tax exposure. Life insurance structured for legacy transfer is the most cost-effective tool available. Tower Hill advisors specialize in designing those strategies for Houston families.
Three reasons Houston legacy planning clients trust us with their families.
Houston's oil and gas professionals often accumulate significant illiquid assets — real estate, business interests, royalty income. Life insurance provides liquidity for heirs to pay estate costs without selling assets under pressure.
Many Houston families have deep roots and want to pass wealth to grandchildren. Whole life and universal life create an inheritance that grows tax-free and transfers income-tax-free to beneficiaries.
Houston is one of the most philanthropic cities in America. Tower Hill can design policies that fund charitable remainder trusts or foundations — letting you give generously while protecting your family's share.
Three tiers of coverage — choose what fits your Houston life and budget.
Life insurance provides immediate, income-tax-free liquidity for heirs — critical when most wealth is tied up in real estate or a business. It can pay estate costs, equalize inheritance, and fund trusts without forcing asset sales.
Whole life provides a guaranteed death benefit and conservative, predictable cash value growth — ideal for certainty. Traditional universal life offers more premium flexibility and transparent policy charges — ideal for clients who want permanent coverage with adjustable premiums.
Texas has no state estate or inheritance tax. Only the federal estate tax applies — on estates above $13.6M in 2024. If you're approaching that threshold, now is the time to plan.
Yes. If you're leaving the business to the heir who runs it, you can use life insurance to provide equal inheritances to other heirs — without forcing a sale or creating resentment.
A second-to-die policy covers two people and pays the death benefit when the second person dies — typically when estate taxes are due. It's ideal for married Houston couples with large estates and costs less than two separate policies.
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