Your paycheck is your most valuable asset. Life insurance with living benefits protects your income — for your family if you pass away, and for yourself if a critical illness keeps you from working.
Of Americans have no life insurance — leaving families without income if the unexpected happens. Term life replaces your income for your family instantly.
Explore Life Insurance →Americans will be diagnosed with cancer in their lifetime. With Living Benefits, you can access your life insurance death benefit early — while you're still living — to cover treatment costs and lost income.
Explore Living Benefits →Your income multiplied is what your family needs to maintain their lifestyle. A Tower Hill term policy can replace your full income stream for up to 30 years.
Explore Family Protection →Average Texas home value. If you can't work or pass away, mortgage protection ensures your family keeps the home — the policy pays off the balance.
Explore Mortgage Protection →Term life insurance replaces your income for your family if you pass away — covering mortgage payments, childcare, and living expenses for up to 30 years. Permanent policies build cash value you can access while living. Many Tower Hill policies include Living Benefits riders that let you access your death benefit early if diagnosed with a terminal, chronic, or critical illness.
Living Benefits (Accelerated Death Benefit riders) allow you to access up to 100% of your life insurance death benefit while you're still alive — if you're diagnosed with a terminal illness, chronic illness, or critical illness like cancer, heart attack, or stroke. This cash can replace lost income during recovery, pay for treatments, or cover any expense. Most Tower Hill term policies include this rider at no extra cost.
Yes. Life insurance with living benefits is especially valuable for self-employed workers who don't have employer-provided benefits. If a critical illness keeps you from working, the living benefits rider provides cash without restrictions. Term life also ensures your business and family are protected if something happens to you.
A common rule of thumb is 10–12× your annual income. For a $75,000 earner, that suggests $750,000–$900,000 in coverage — enough to replace your income for 10+ years and cover major debts. Our licensed advisors can run a free needs analysis tailored to your situation.
A licensed Texas advisor will help you identify every income gap and build a complete protection plan using life insurance and living benefits.