Attract and retain top Texas talent with a group benefits package. Group life, disability, dental, vision, and voluntary benefits with top-rated carriers — one of America's most trusted carriers.
Provide a guaranteed death benefit for employees and their families at a group rate. Typically offered as a flat amount or multiple of salary.
Short-term and long-term disability insurance protects employees' income if illness or injury prevents them from working.
One of the most valued employee benefits. Preventive, basic, and major dental coverage with access to a large national provider network.
Annual eye exams, frame and lens allowances, and contact lens benefits for your workforce.
Voluntary supplemental benefits employees can elect and often pay for themselves — adding value to your package at no direct cost to the business.
Protects the business if a critical owner, partner, or executive passes away. The company is the beneficiary — not the family.
Benefits are the #2 factor (after pay) in employee retention. Group life, dental, and disability coverage are expected by most workers. Small businesses that offer a benefits package attract better candidates and reduce turnover — which saves money.
Tower Hill carrier network group products are typically available for businesses with 2 or more eligible employees. Requirements vary by product. Tower Hill can help you qualify even as a micro-business or sole proprietor with one employee.
Key person insurance is a life insurance policy where the business is the owner and beneficiary. If a critical person (owner, partner, top salesperson) passes away, the business receives the death benefit to cover recruiting, training, lost revenue, and business continuity costs.
Premiums paid by an employer for group health, dental, vision, and life insurance are generally tax-deductible as a business expense. The first $50,000 of employer-provided group term life insurance is typically received income-tax-free by employees. Consult your tax advisor for specifics.
The numbers tell a clear story — benefits are your most powerful retention tool.
| Scenario | With Benefits | Without Benefits |
|---|---|---|
| Annual group life cost per employee | ~$180–$360/yr | n/a |
| Average employee turnover rate | 10–15% | 25–40% |
| Cost to replace one $50K employee | $8K (less turnover) | $15,000–$25,000 |
| Recruiting competitiveness | High — attracts quality hires | Low — lose to larger employers |
| Tax deductibility of premiums | ✅ Yes | ❌ No benefit |
A licensed TX advisor assesses your workforce size, budget, and goals.
We shop 10+ top-rated group carriers to find the best rates for your business.
Simplified enrollment — digital applications, no paperwork headaches.
Annual reviews, claims support, and benefits changes handled for you.
Group benefits consulting is free. A licensed Texas advisor will help you design a package that fits your business size and budget.
Tower Hill Corp · TX Agency License #2608479TX · Tower Hill carrier network carrier partners (A++ AM Best)