Your family depends on you. A term life policy from Tower Hill ensures they stay financially protected — mortgage, college, and income — if the unthinkable happens.
Coverage needs vary by family structure. Use these scenarios as a starting point — our advisors can build a precise plan for your situation.
Cover mortgage, shared debts, and transition costs for the surviving spouse
Replace income through children's college years + mortgage payoff
You're the only financial safety net — maximum coverage matters most here
Match lifestyle obligations, mortgage, private school, and long income replacement
10/15/20/25/30-year terms, $50K–$5M. The foundation of every family protection plan — maximum death benefit at the lowest possible cost.
Accelerate your death benefit if diagnosed with a terminal, chronic, or critical illness. Get cash when you need it most — while you're still alive.
Add $10K–$25K of coverage for all your children for a single low annual premium. Convertible to permanent coverage when they become adults.
Lump-sum cash payment on diagnosis of cancer, heart attack, stroke, or other covered illnesses. Spend it on treatment, bills, or any need.
The standard rule is 10–12× the primary earner's income. For a dual-income household with a mortgage and two children, both spouses should typically carry coverage equal to 8–10× their individual incomes. A $75K earner needs $750K–$900K in coverage.
Yes. Even if one spouse doesn't earn income, they provide enormous economic value — child care, logistics, household management — that the surviving spouse would need to replace. Coverage of $300K–$500K for a stay-at-home parent is reasonable.
A child term rider adds a small death benefit (usually $10K–$25K) for all children in the household under one low annual premium — often $5–$8/month. It's affordable peace of mind during your children's younger years and is available on Tower Hill carrier network policies.
For most families with young children, a 20- or 30-year term aligns with your longest obligations: mortgage payoff, college funding, and income replacement until your youngest is financially independent. A 20-year term locks in low rates through the most critical years.
Nothing — an individual policy through Tower Hill is portable. It stays in force regardless of employer changes. This is a key advantage over group life insurance tied to your employer.
Yes. Tower Hill offers a Living Benefits Rider on term policies that accelerates a portion of the death benefit if you're diagnosed with a terminal, chronic, or critical illness — providing cash while you're still alive to use it. Available on Tower Hill carrier network term policies.
A 20-year term policy locks in your family's financial future while rates are still low. Your free quote takes 2 minutes.
Tower Hill Corp · TX Agency License #2608479TX · Carrier: Tower Hill carrier network Insurance Co.