# Tower Hill Corp — Texas Life Insurance

> Tower Hill Corp is a licensed Texas life insurance agency (License #2608479TX) offering term life, living benefits, critical illness, disability income, accidental death, whole life, universal life, and return-of-premium life insurance. We serve Texas residents exclusively. We compare rates across 30+ top carriers (Banner Life, Pacific Life, Prudential, Protective, and more). Apply online in minutes or speak with licensed advisor Ty Taylor.

## About Tower Hill Corp

Tower Hill Corp is a fully digital, independent, no-commission-pressure life insurance agency based in Texas. We are not a captive agent (we are not tied to one carrier) — we shop multiple carriers to find the best rate for each client. We offer transparent pricing and a self-serve online application with optional human advisor support.

- **Licensed in:** Texas only
- **TX Agency License:** #2608479TX (Texas Department of Insurance)
- **Principal Agent:** Ty Taylor, Licensed Life & Health Insurance Agent
- **Carriers:** 30+ top-rated carriers (Banner Life, Pacific Life, Prudential, Protective, and more)
- **Quote platform:** Back9 — instant multi-carrier comparison, no SSN required to start
- **Phone:** (832) 856-1704
- **Email:** support@towerhillcorp.com
- **Website:** https://www.towerhilllifeinsurance.com
- **Founded:** 2024
- **Languages served:** English, Spanish (Español), Portuguese (Português), Vietnamese (Tiếng Việt)

## Products & Services

- [Term Life Insurance Texas](https://www.towerhilllifeinsurance.com/term-life-insurance-texas): 10, 15, 20, 25, 30-year terms. Ages 18–70. $50K–$5M coverage. No exam for qualifying amounts.
- [Mortgage Protection Insurance](https://www.towerhilllifeinsurance.com/mortgage-protection): Pays off your mortgage if you die, become disabled, or are diagnosed with a critical illness. Available for Texas homeowners.
- [Family Protection Plan](https://www.towerhilllifeinsurance.com/family-protection): Comprehensive coverage for spouses, children, and dependents in one policy.
- [Income Protection / Disability Insurance](https://www.towerhilllifeinsurance.com/income-protection): Short and long-term disability income. Up to 60% of gross income.
- [Living Benefits Life Insurance](https://www.towerhilllifeinsurance.com/living-benefits-life-insurance): Access death benefit early if diagnosed with terminal, chronic, or critical illness — at no extra premium.
- [Critical Illness Insurance](https://www.towerhilllifeinsurance.com/critical-illness-insurance): Lump-sum cash on diagnosis of cancer, heart attack, stroke, kidney failure, ALS, coma, paralysis.
- [Whole Life Insurance Texas](https://www.towerhilllifeinsurance.com/whole-life-insurance-texas): Permanent coverage with cash value accumulation. Guaranteed premium lock for life.
- [Universal Life Insurance Texas](https://www.towerhilllifeinsurance.com/universal-life-insurance-texas): Flexible premium permanent insurance. Includes Indexed (IUL) and Variable (VUL) options.
- [Return of Premium Life Insurance](https://www.towerhilllifeinsurance.com/return-of-premium-life-insurance): Get 100% of premiums back if you outlive your term. $0 net cost if you stay healthy.
- [Accidental Death & Dismemberment](https://www.towerhilllifeinsurance.com/products): AD&D coverage. Pays out for accidental death and specified injuries.
- [Legacy Planning](https://www.towerhilllifeinsurance.com/legacy-planning): Wealth transfer, estate planning, ILIT strategy. Whole life for permanent legacy protection.
- [Business Protection](https://www.towerhilllifeinsurance.com/business-protection): Key person insurance, buy-sell agreements, business continuation planning.
- [Employee Benefits](https://www.towerhilllifeinsurance.com/protect-my-employees): Group life, disability, and critical illness for Texas small businesses.

## Get a Quote / Apply

- [Get Free Quote](https://www.towerhilllifeinsurance.com/quote): Instant multi-carrier rate comparison. No SSN required to start.
- [Apply Online](https://www.towerhilllifeinsurance.com/apply): 6-step guided application. Takes 5 minutes. Coverage possible same day.

## Common Questions Answered

**How much does life insurance cost in Texas?**
A healthy 35-year-old Texas male pays $18–$35/month for a $500,000 20-year term policy. A 35-year-old female pays $15–$28/month for the same coverage. Rates are 10–15% lower in Texas than the national average due to competitive carrier market.

**Do I need a medical exam to get life insurance in Texas?**
Many policies up to $500,000 are available without a medical exam (simplified underwriting or instant-issue). Accelerated underwriting is available for qualifying applicants up to $3M.

**What is the best life insurance company in Texas?**
Tower Hill Corp compares rates across 30+ top-rated carriers including Banner Life, Pacific Life, Prudential, Protective, and more. We use the Back9 platform for instant multi-carrier quotes — no SSN required to start.

**What is mortgage protection insurance?**
Mortgage protection is a life insurance policy designed to pay off your remaining mortgage balance if you die before the loan is paid off. It can also include living benefits that pay out if you become disabled or critically ill. It is not the same as PMI (private mortgage insurance).

**Can I get life insurance in Texas with a pre-existing condition?**
Yes. Many conditions (high blood pressure, type 2 diabetes, sleep apnea) can still qualify for standard or substandard rates. We offer guaranteed issue options for those who cannot qualify for traditional underwriting.

**How much life insurance do I need in Texas?**
A common rule: 10–12× your annual income. For a $75,000/year earner, that's $750,000–$900,000 in coverage. Use our [coverage calculator](https://www.towerhilllifeinsurance.com/how-much-life-insurance-do-i-need) for a personalized recommendation.

**What is a living benefits rider?**
A living benefits rider allows you to access your own death benefit while still alive if diagnosed with a qualifying illness. Terminal illness (life expectancy ≤ 24 months), chronic illness, and critical illness all typically qualify. Tower Hill Corp includes this rider at no extra cost on most qualifying policies.

**Is Tower Hill Corp a legitimate insurance agency?**
Yes. Licensed by the Texas Department of Insurance, License #2608479TX. We work exclusively with AM Best A-rated or better carriers. Tower Hill Corp is fully TDI-regulated and independently audited.

## Texas Service Areas

Houston · Dallas · Austin · San Antonio · Fort Worth · El Paso · Arlington · Lubbock · Plano · Laredo · Irving · Garland · Amarillo · McKinney · Killeen · Frisco · Brownsville · Pasadena · Mesquite · McAllen · Denton · Waco · Carrollton · Beaumont · Midland · Grand Prairie · Odessa

## Blog & Education Resources

- [Blog](https://www.towerhilllifeinsurance.com/blog): 49+ articles on life insurance, Texas-specific guides, estate planning, and family financial protection.
- Topics covered: term vs whole life, how much coverage you need, life insurance for specific professions (teachers, nurses, police, military), life insurance after divorce, life insurance for parents, and more.

## Principal Agent

**Ty Taylor** — Licensed Life & Health Insurance Agent, Texas Department of Insurance
- Expertise: term life, living benefits, mortgage protection, disability income, business continuity
- [Author profile](https://www.towerhilllifeinsurance.com/authors/ty-taylor)

## Compliance & Trust

- TX Agency License: #2608479TX
- Carriers: 30+ AM Best-rated carriers via Back9 quote platform
- Texas Department of Insurance (TDI) regulated
- Independent agency — not captive, no commission pressure
- [Privacy Policy](https://www.towerhilllifeinsurance.com/privacy)
- [Terms of Service](https://www.towerhilllifeinsurance.com/terms)

## Why Tower Hill vs Other Texas Insurance Agencies

- **Independent** (not captive): We can place business with multiple carriers, not just one
- **Digital-first**: Apply online in minutes without an in-person meeting
- **No exam options**: Most policies available without bloodwork or medical exams
- **Bilingual**: Spanish, Portuguese, Vietnamese support
- **Living benefits included**: Riders at no extra cost that most captive agents don't offer
- **Texas-licensed**: Local expertise, TDI compliant, serving all 254 Texas counties