San Antonio's military and veteran families have deep roots and even deeper values. Legacy planning isn't just about estate taxes — it's about ensuring your family, your community, and your values are protected and funded long after you're gone. Tower Hill helps San Antonio veterans design that plan with the precision their service deserves.
Three reasons San Antonio legacy planning clients trust us with their families.
SBP provides up to 55% of retirement pay to a surviving spouse — and it stops there. Life insurance creates a full death benefit that covers mortgage payoff, children's education, and long-term income replacement far beyond SBP.
Many San Antonio veteran families have wealth in homes, businesses, or real estate rather than liquid investments. Life insurance provides immediate cash for heirs — no need to sell property under pressure to cover estate costs.
Legacy planning is about more than money. Tower Hill advisors work with San Antonio veteran families to structure coverage that reflects their priorities — family first, community support, and long-term impact for the next generation.
Three tiers of coverage — choose what fits your San Antonio life and budget.
SBP provides up to 55% of retirement pay monthly to the surviving spouse. Private life insurance adds a full lump-sum death benefit — providing additional income, paying off the mortgage, or funding grandchildren's education.
Yes. Naming a veteran nonprofit, church, or community organization as beneficiary is straightforward. A charitable remainder trust funded by a life insurance policy is also a common strategy for veterans with philanthropic goals.
Absolutely. Premium rates are locked in at your age and health class at issue. A 45-year-old veteran pays significantly less than a 65-year-old for the same coverage. Starting after separation, when you're likely still healthy, is ideal.
VA benefits don't interact with life insurance in any limiting way. Your policy is completely separate and can cover heirs, charities, and estate costs that VA survivor programs don't address.
Whole life for guaranteed, conservative legacy transfer. Universal life for more flexible premium structures and permanent coverage. Survivorship life for married veteran couples planning clean estate transfer to children or grandchildren.
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