Insurance Products
Built for Texas

Term life insurance provides a death benefit to your beneficiaries if you pass away during the covered term. It's pure protection — no cash value, no complexity, just reliable coverage at an affordable price. Tower Hill's term policies include the Accelerated Death Benefit (living benefits) rider at no extra cost — giving access to benefits if diagnosed with terminal, chronic, or critical illness.

Tower Hill carrier network offers four disability income solutions for Texas workers. Short-Term Income Protection: up to $1,500/wk, no exam, no income verification, elimination as short as 0 days. Long-Term Income Protection Plus: up to $30,000/mo, true own-occupation, benefit periods to age 70. Century Plus: up to $20,000/mo, 15% group discount. Graded Benefit DI: for clients previously declined for standard DI coverage.

Tower Hill's Accelerated Death Benefit (ADB) rider is included FREE on every term life policy. If you're diagnosed with a terminal illness (life expectancy ≤ 24 months), chronic illness (unable to perform 2+ ADLs), or critical illness (heart attack, stroke, cancer, etc.), you can access up to 100% of your death benefit while you're still living. The cash can pay for treatments, living expenses, or anything you need — no restrictions.

Mortgage protection is term life insurance sized and priced to match your mortgage balance. If you die during the term, the benefit pays off the remaining balance — keeping your family in the home they know. Tower Hill carrier network policies add powerful riders: the Living Benefits ADB rider activates if you're diagnosed with terminal, chronic, or critical illness. Optional Disability Income Rider replaces your mortgage payment if injury or illness keeps you from working. Coverage matches the actual risk — decreasing or level benefit.

Tower Hill's Income Protection Plus is a long-term disability policy built for professionals who depend on their income. True own-occupation definition — you're disabled if you can't do YOUR job, even if you could work somewhere else. Benefits up to $30,000/month. Elimination periods from 90 to 730 days. Benefit periods to age 65 or 70. Includes Cost of Living Adjustment (COLA) rider, Future Increase Option, and Catastrophic Disability Benefit. Short-term options also available with no income verification required.

Universal Life (UL) from top-rated carriers gives you the permanence of whole life with the flexibility to change your premium payments and death benefit over time. You can increase or decrease your coverage as your needs evolve — ideal for business owners, high earners, and anyone whose income fluctuates. Cash value accumulates based on a declared interest rate (never below the guaranteed floor). Overfund the policy for maximum cash value growth, or pay the minimum to keep coverage in force. our carriers' UL policies include the Living Benefits ADB rider and can be structured for estate planning, executive benefits, or supplemental retirement income.

Tower Hill carrier network business life insurance covers the three biggest risks to your company. Key Person Insurance: the business owns a policy on a critical employee — if they die, proceeds replace lost revenue and fund replacement costs. Buy-Sell Funding: a policy funds a buyout agreement, so surviving partners can purchase the deceased partner's share without selling assets. Business Loan Protection: the benefit covers outstanding SBA or business loans. Disability buy-out policies are also available to fund buyouts triggered by disability.