Richardson is DFW's tech hub — thousands of engineers, developers, and executives building the future. Tower Hill makes sure your family is protected while you build yours.
Richardson's Telecom Corridor is home to thousands of tech workers and engineers. Tower Hill understands high-income coverage needs — stock compensation, dual-income households, and career mobility.
Richardson tech professionals expect digital-first solutions. Tower Hill's fully online application takes less than 15 minutes, issues a decision in real time, and never requires a medical exam for most applicants.
All Tower Hill policies are issued by Tower Hill carrier network — an A++ (Superior) A.M. Best rated carrier — and regulated by the Texas Department of Insurance. Your coverage is backed by one of the strongest state insurance frameworks in the country.
These three coverage types address the most common financial gaps we see in the Richardson market.
High-earning tech families in Richardson need serious coverage. Term life ensures your family maintains their lifestyle — mortgage, schools, and savings — if something happens to you.
Learn MoreKey person insurance, buy-sell agreements, and executive bonus plans protect your Richardson tech company and the engineers who make it run.
Learn MoreDisability income and critical illness coverage replace your paycheck if injury or illness keeps you from working. Essential for high-earning professionals with significant financial obligations.
Learn MoreTech professionals along the Telecom Corridor often earn $100K–$180K+. We recommend 10–12× your base salary. A Richardson engineer earning $140K should carry $1.4M–$1.7M in coverage. If you have stock options or RSUs, factor in any unvested compensation your family would lose.
No. Employer group life is typically 1–2× salary and vanishes when you leave. The Telecom Corridor is known for rapid job changes and corporate restructuring. A personal term policy stays with you for the full term regardless of employment status.
Critical. If one income disappears, can your family maintain the Richardson mortgage, private school tuition, and lifestyle? Most dual-income families are more vulnerable than they realize. Both spouses should carry coverage sized to replace their individual income.
Most Richardson applicants receive a same-day decision. Tower Hill's digital underwriting processes your application online — no exam, no waiting. Coverage is active the moment your policy is issued.
Learning Center
Life insurance is just one piece of a complete protection plan. Read up on the coverage most Texas families overlook.
Health insurance pays your doctors. Critical illness insurance pays you — a lump sum of cash when diagnosed with a heart attack, stroke, or cancer.
Read GuideCritical IllnessThey solve different problems and don't interfere with each other. Texas families with financial obligations need both. Here's the full breakdown.
Read GuideAccident InsuranceBroken bones, burns, ER visits, and more — paid as cash directly to you. No receipts, no network restrictions. Here's exactly what's covered.
Read GuideAccident InsuranceAccidents are the #1 cause of death for Texans under 45. The average ER visit costs $2,400. Here's why health insurance alone isn't enough.
Read GuideAD&DAD&D only pays if you die in an accident. Heart disease kills 22% of Texans — AD&D covers none of them. Here's how the two compare.
Read GuideAD&DCar crashes, falls, drowning — covered. Illness — not covered. Learn exactly what pays, what's excluded, and how the claims process works.
Read GuideDisabilityTexas has no state disability program. Social Security denies 60% of applicants. Here's how to calculate exactly how much coverage you need.
Read GuideDisabilityThe definition of disability in your policy can mean $4,000/month vs. $0 when you file a claim. Texas professionals need to know the difference.
Read GuideBusiness ProtectionWhat happens to your business if its most critical person dies? Key person insurance gives the company cash to survive, recruit, and keep operating.
Read GuideBusiness ProtectionWithout a funded buy-sell, your deceased partner's family becomes your new co-owner. Life insurance ensures a clean, funded buyout at fair value.
Read GuideInstant quote in seconds — or speak with a licensed Texas advisor at no cost.