San Antonio's veteran business community is among the most resilient in America. JBSA veterans bring operational discipline, leadership, and networks to businesses that often grow quickly. What they frequently miss: a business protection plan. Tower Hill fills that gap with the same intentionality veterans apply to everything else.
Three reasons San Antonio business protection clients trust us with their families.
Veterans bring operational skills that are genuinely hard to replace — decision-making, leadership under pressure, team building. A key person policy funds the transition period when that person is suddenly gone.
Many SBA loans for veteran-owned businesses require life insurance as a condition of lending. Tower Hill structures key person policies that satisfy SBA requirements from day one.
Veteran business partnerships are common in San Antonio — and often built on trust rather than detailed paperwork. A funded buy-sell agreement protects that trust by ensuring the surviving partner can keep the business on their own terms.
Three tiers of coverage — choose what fits your San Antonio life and budget.
Yes. Veteran-owned businesses qualify for all standard business protection products with top-rated carriers. Military background is not a barrier to coverage.
SBA loans often require life insurance on key business principals as a condition of the loan. Tower Hill can structure key person policies that satisfy SBA lender requirements efficiently.
Common methods: 5–10× the key person's annual compensation, or a percentage of revenue directly attributable to them. Tower Hill advisors guide you through the valuation in a single meeting.
Often yes. Each case is evaluated individually by Tower Hill carrier network. Service-connected conditions don't automatically disqualify you — some may result in a rating or exclusion, but coverage is frequently available.
Key person term life is typically the first priority, especially if SBA financing is involved. As the business matures, add buy-sell funding and business overhead expense disability to build a complete protection plan.
Tower Hill serves all major Texas markets with licensed advisors and instant coverage decisions.
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Tower Hill Corp • TX License #2608479TX • Licensed in Bexar County