Irving's major employers offer group life — but it's never enough. Tower Hill closes the gap with personal term policies that stay with you through every career change.
Every Tower Hill advisor is licensed by the Texas Department of Insurance and understands the DFW market — including how to fill corporate benefit gaps.
Our carrier network's instant underwriting engine means most Irving applicants get a policy decision the same day — no waiting, no exam, no nurse visits.
Unlike employer group life, your Tower Hill policy stays with you through job changes, layoffs, and career transitions — keeping your family protected no matter what.
Based on Irving demographics, these three coverage types address the most common financial gaps.
With median home values at $320K, a term policy matched to your mortgage is the most critical coverage an Irving homeowner can own.
Learn MoreIf injury or illness prevents you from working, disability income protection replaces up to 60% of your paycheck — keeping your family afloat.
Learn MoreTerm life with living benefits riders covers income replacement, childcare, education funding, and long-term goals for Irving families.
Learn MoreEmployer group life at Irving's major corporations — ExxonMobil, Kimberly-Clark, Celanese — typically covers only 1–2× salary. That rarely covers a $320K mortgage plus years of income replacement. A personal term policy is portable: it stays with you through any job change.
A solid starting point is your outstanding mortgage balance plus 10× annual income. For an Irving homeowner with a $320,000 mortgage and $95,000 income, that's roughly $1.27M. A Tower Hill advisor can refine this estimate for your specific situation.
Yes. Our carrier partners' accelerated underwriting issues most Irving applicants a policy decision in minutes — no blood work, no nurse visits. Just complete a short online health questionnaire.
Yes. Tower Hill Corp is a licensed Texas insurance agency (License #2608479TX), Policies are issued by top-rated carriers through our carrier network, regulated by the Texas Department of Insurance.
Employer group life coverage ends when you leave your job. A personal term policy from Tower Hill is fully portable — your coverage and locked-in rate stay with you regardless of where you work.
Get an instant quote in seconds — or speak with a licensed Texas advisor at no cost.
Local context. Real coverage guidance.
Irving's Las Colinas district is one of the most densely concentrated corporate campuses in Texas — home to Kimberly-Clark, Celanese, Fluor, and Christus Health, alongside dozens of mid-market financial and technology companies. The city sits inside the DFW Metroplex triangle with direct access to Dallas/Fort Worth International Airport, making it a natural hub for companies with heavy travel demands. Irving's workforce is sophisticated: mid-career professionals with stock options, 401(k) accumulations, and mortgage obligations that would take years to replicate. These are exactly the people who have the most to lose if they die without adequate coverage. But Irving also has a large immigrant workforce — particularly in the hospitality, construction, and service sectors — who face insurance access barriers including language, documentation concerns, and unfamiliarity with American financial products. Tower Hill serves both segments: the corporate professional who needs $1 million in coverage and the hotel housekeeper who needs $100,000 to ensure her children can stay in school. Irving is also home to a significant South Asian and Korean business community concentrated in the MacArthur Corridor, where small business owners frequently need key person and buy-sell coverage in addition to personal policies.
Top Coverage Priority
Corporate professional wealth protection & small business key person insurance
Tower Hill Corp · TX Agency License #2608479TX · Carrier: Tower Hill carrier network Insurance (A++ Superior)
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 Guide