San Marcos is booming between Austin and San Antonio. Young families, first-time homebuyers, and Texas State professionals are building their futures here. Tower Hill makes sure those futures are protected.
San Marcos sits at the intersection of Austin and San Antonio growth — making it one of the fastest-growing cities in America. Tower Hill serves the young professionals, new families, and educators driving this boom.
San Marcos residents are young and digital-first. 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 San Marcos market.
New families are flooding into San Marcos for affordable homes between Austin and San Antonio. Term life coverage protects your income and your family's future as you build your life here.
Learn MoreKey person insurance and buy-sell agreements protect your growing San Marcos business — from outlet mall retail to river tourism operations.
Learn MoreDisability income and critical illness coverage replace your paycheck if injury or illness keeps you from working. Critical for young professionals still building their safety net.
Learn MoreExtremely affordable. A healthy 28-year-old in San Marcos can get $500,000 in 20-year term coverage for $20–$30/month. San Marcos is one of the fastest-growing cities in the US — locking in coverage now while you are young saves significantly over your lifetime.
The standard recommendation is 10–12× your gross income. For a San Marcos household earning $75,000, that means $750K–$900K. With home prices rising rapidly along the I-35 corridor between Austin and San Antonio, factor in your full mortgage balance.
Yes. University group life typically provides 1–2× salary — far less than the 10× most families need. If you leave the university, that coverage disappears. A personal term policy stays with you for the full term regardless of employment changes.
Most San Marcos 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.