Your paycheck is your most valuable asset. Disability, critical illness, accidents, and hospitalization can all disrupt your income. Tower Hill has a product for every threat.
Workers experience a disabling illness or injury before retirement. The most common cause is illness — not accidents.
Explore Disability Insurance →Americans will be diagnosed with cancer in their lifetime. A heart attack, stroke, or cancer diagnosis often means weeks or months away from work.
Explore Critical Illness Insurance →Of Americans have no life insurance — leaving families without income if the unexpected happens. Protect your income stream permanently.
Explore Life Insurance →Average medical cost for a fall with hospitalization. Accidents are unpredictable — cash benefits help cover costs your health insurance doesn't.
Explore Accident Insurance →Income protection covers the financial impact of events that prevent you from earning your normal income — disability, critical illness, hospitalization, or a serious accident. Each product provides cash (either as monthly income replacement or lump-sum) to cover your financial obligations while you recover.
Disability insurance replaces a percentage of your monthly income as long as you are unable to work. Critical illness insurance pays a one-time lump-sum benefit when you are diagnosed with a covered condition (heart attack, stroke, cancer, etc.). They often complement each other — CI provides the initial cash, disability provides the ongoing income.
Yes — income protection products are available for self-employed workers. Disability insurance requires income documentation (tax returns or P&L). Accident insurance and critical illness insurance are often available without income verification and can be especially valuable for gig workers and contractors.
Most financial advisors recommend replacing 60–80% of gross income. Disability insurance typically replaces up to 60% (structured to maintain the incentive to return to work). Critical illness and accident benefits provide lump-sum amounts to supplement the monthly disability benefit.
A licensed Texas advisor will help you identify every income gap and build a complete protection plan.