Workers' comp only pays on-the-job. Life insurance covers your family every hour of every day — on the site, off the clock, driving home, and everywhere in between.
Workers' comp covers workplace fatalities. Life insurance also covers them — plus pays a full lump sum rather than a wage-replacement payment spread over years.
Car accidents, medical emergencies, and natural causes account for the vast majority of deaths. Life insurance covers all of them. Workers' comp covers none of them.
Individual life insurance doesn't stop when the project ends. Whether you're working or between contracts, your coverage stays in force as long as you pay the premium.
Yes. Most Texas construction workers qualify for life insurance, typically at standard rates. General laborers, carpenters, electricians, plumbers, and project managers are accepted by most major carriers. Specialty high-rise work, crane operators, and demolition crews may receive a modest premium rating, but coverage is available across our carrier network.
Workers' compensation provides death benefits to dependents, but they're limited — typically a percentage of wages for a fixed period, not a lump sum. And like LODD benefits, workers' comp only applies to on-the-job incidents. Life insurance covers your family for any cause of death, on or off the job, 24/7.
Most 1099 subcontractors have zero employer-provided life coverage. If you work project-to-project without a W-2 relationship, you're entirely on your own for protection. Individual life insurance is the only way to ensure your family has a financial safety net.
Individual life insurance has no employer relationship. Your policy is entirely portable — it stays in force regardless of which general contractor you're working under, whether you're between projects, or whether you switch trades entirely. You pay the premium; the policy is yours.
Some conditions more prevalent in trades — such as hearing loss, back injuries, and joint issues — may affect underwriting depending on severity. Blood pressure and BMI are also common concerns for physically demanding workers. Tower Hill will match your health profile to the carrier with the most favorable underwriting for your specific situation.
A healthy 38-year-old Texas construction worker can typically qualify for $500,000 of 20-year term coverage for under $45/month. Rates vary by health class, age, and coverage amount — but the cost is usually far less than people expect. Get your exact rate in 2 minutes with no personal information required.
Get your rate in 2 minutes. No exam required for most applicants. A Texas-licensed advisor is available anytime.
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