Military families face a unique financial exposure: frequent moves, career disruption for spouses, the weight of deployment risk, and constant coverage gaps during transitions. Tower Hill designs family protection specifically for the military lifecycle — not a generic policy that assumes a desk job and a stable address.
Three reasons San Antonio family protection clients trust us with their families.
Tower Hill can provide coverage that remains fully in force during overseas deployments. Unlike some carriers, Tower Hill's policies are not suspended, restricted, or excluded during active military service.
Military spouses manage households, childcare, and family stability during deployments. The economic value of that contribution is real — and insurable. Tower Hill covers both the service member and spouse.
We time new policy issuance to the exact day your SGLI expires. Military families get uninterrupted coverage with no underwriting gap between your last day of service and your first day of civilian coverage.
Three tiers of coverage — choose what fits your San Antonio life and budget.
Yes. Tower Hill's policies do not exclude military service or combat-related death. This is one of the most important differences between carriers — always confirm with your advisor before purchasing.
Yes. The economic and emotional contribution of a military spouse is irreplaceable. We recommend $250K–$500K minimum coverage for the non-service member spouse, sized to cover childcare, relocation, and income needs.
SGLI ends at separation. SBP (Survivor Benefit Plan) provides up to 55% of retirement pay to a surviving spouse. Private coverage fills the gap to provide full income replacement beyond what SBP can offer.
SBP provides a monthly income stream up to 55% of retirement pay — it's valuable but limited. A private policy provides a full lump-sum death benefit with no income cap, giving your family maximum flexibility.
Yes. Policies follow you regardless of address changes. Tower Hill can write coverage before, during, or after a PCS — you don't need to wait until you're settled in your new duty station.
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