SGLI is a starting point — not a complete strategy. Tower Hill helps San Antonio military families, veterans, and civilians close the coverage gap with a policy that lasts long after service ends.
Our carrier partners' underwriting treats veterans fairly. Many service-connected conditions qualify for standard or near-standard rates. We work with you to find coverage that respects your service, not penalizes it.
SGLI is a starting point, not a complete strategy. Tower Hill helps San Antonio military families layer a personal term policy on top of SGLI — so coverage never lapses during or after transition from service.
Military families relocate frequently. A personal Tower Hill term policy stays with you regardless of where the military stations you — and is not tied to any base, branch, or federal employment.
Whether active duty, veteran, or civilian — these three coverage types address the most common gaps we see in Bexar County.
SGLI maxes at $400K and ends at separation. A personal 20- or 30-year term policy from Tower Hill gives San Antonio military families portable coverage that lasts long after service ends.
Learn MoreSan Antonio home values are climbing. A term policy matched to your mortgage balance ensures your family can stay in the home — whether you die, or survive a critical illness that stops your income.
Learn MoreDisability income insurance replaces up to 60% of your paycheck if you cannot work. Essential for civilians, first responders, and transitioning veterans who rely entirely on earned income.
Learn MoreSGLI maxes out at $400,000 — and it ends the day you separate from service. For San Antonio families with a mortgage, dependents, and income to replace, $400K often falls significantly short. Most financial advisors recommend supplementing SGLI with a personal term policy sized to replace 10× your income, regardless of military status.
Many veterans qualify for standard coverage despite service-connected conditions. Our carriers evaluate each application individually. Some conditions may result in a rated policy (slightly higher premium), while others qualify at standard rates. We strongly recommend applying — there is no cost or commitment to get an underwriting decision.
SGLI coverage ends when you leave active duty. You have 120 days to convert to VGLI (Veterans Group Life Insurance) without a health exam, but VGLI rates increase every 5 years and can become very expensive by age 60. Purchasing a level-premium term policy through Tower Hill while you are still young and healthy locks in a lower rate for the full term — typically 20 or 30 years.
FEGLI (Federal Employees Group Life Insurance) provides basic coverage, but like SGLI it ends or becomes expensive after federal employment. It also does not offer the living benefits riders that personal term policies provide — meaning it pays nothing if you survive a critical illness. A personal policy from Tower Hill complements your federal benefits with portable, level-premium coverage.
Most applicants receive a policy decision the same day they apply. Our carrier partners' instant underwriting processes health questions entirely online — no exam, no waiting. Once issued, your policy is active immediately. A Tower Hill licensed advisor is available to walk any San Antonio family through the process.
Local context. Real coverage guidance.
San Antonio is shaped by two dominant forces: the United States military and the tourism and hospitality economy surrounding the River Walk and Alamo. Home to Fort Sam Houston, Lackland Air Force Base, Randolph AFB, and Camp Bullis, San Antonio is one of the highest-concentration military cities in the country. Active-duty servicemembers typically have SGLI (Servicemembers' Group Life Insurance), but this coverage ends or sharply decreases upon separation — leaving veteran families vulnerable at exactly the moment they're transitioning to civilian employment and facing new financial obligations. Tower Hill specializes in bridging that gap. We help veterans and transitioning military families convert their service-period coverage into permanent civilian policies without medical underwriting complications. San Antonio's civilian economy is equally critical: USAA, Valero Energy, H-E-B, and CPS Energy anchor a diverse employment base. But roughly 30% of San Antonio adults remain uninsured for life — one of the highest rates in Texas. Many of these are working adults in retail, healthcare, and food service who believe life insurance is out of reach. In reality, a healthy 35-year-old in San Antonio can secure $500,000 in term coverage for under $30 per month. That's less than a cable bill.
Top Coverage Priority
Military transition coverage & affordable protection for service-sector families
Tower Hill Corp · TX Agency License #2608479TX · Carrier: Tower Hill carrier network Insurance (A++ Superior)
Learning Center
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