Term, whole, universal life, and supplemental coverage — all from Tower Hill carrier network (A++ Superior). One agency, one trusted carrier, every protection your family needs.
Each type serves a different purpose. Most families use a combination — term for peak obligations, permanent for legacy.
Maximum coverage for less
Temporary protection for 10, 15, 20, or 30 years. The most affordable way to get a large death benefit while your family depends on your income.
Guaranteed protection for life
Permanent coverage with guaranteed cash value growth and a death benefit that never expires — as long as premiums are paid.
Permanent with flexibility
Lifelong coverage with flexible premiums and cash value potential. Adapts as your income and financial goals evolve.
Life insurance is just the beginning. Tower Hill can cover every gap in your protection plan.
Keep the house in your family no matter what
Replace your income, protect your children
Transfer wealth and build a lasting legacy
Protect your paycheck from illness or injury
Cash benefits after a covered accident
Lump-sum cash at diagnosis
AM Best's highest financial strength rating. Our carrier partners have the financial stability to pay claims for generations.
Our carrier partners have protected American families through every economic cycle.
Most applicants get instant approval — no blood draw, no nurse visit. Up to $500,000 in coverage with just a digital health questionnaire.
A common starting point is 10–12× your annual income. For a $75,000 earner with a mortgage and two children, that suggests $750,000–$900,000 in coverage. Your actual need depends on your debts, income replacement goal, dependents, and existing assets. Use our free quote calculator to model your specific situation.
Term life provides coverage for a set period (10–30 years) at the lowest cost per dollar of death benefit. Permanent life (whole life or universal life) provides lifelong coverage and builds cash value, but costs more. Most families start with term to cover their peak financial obligations and add permanent coverage for legacy or estate planning.
Not always. Tower Hill carrier network's accelerated underwriting approves most applicants for up to $500,000 in coverage using a digital health questionnaire — no blood draw or nurse visit required. Larger coverage amounts or certain health histories may require traditional underwriting.
Tower Hill is licensed with Tower Hill carrier network carrier partners — rated A++ Superior by AM Best (the highest possible rating). Our carrier partners — all A+ to A++ rated — provide the financial strength to pay claims when families need it most.
Yes. Life insurance is available for adults in most age ranges. Children can also be covered through rider additions on adult policies. Supplemental products like accident insurance and critical illness insurance are available for family coverage as well.
Many applicants receive same-day approval through accelerated underwriting. Once approved and your first premium is paid, coverage begins immediately. Some policies have a short contestability period during the first two years, which is standard across the industry.
A free quote takes 2 minutes. No obligation, no spam — just an honest answer about what your coverage will cost.
Tower Hill Corp · TX Agency License #2608479TX · Tower Hill carrier network carrier partners