Pure protection for a set period — no cash value complexity. Lock in low rates now while you're young and healthy.
Term life pays your beneficiaries a lump-sum death benefit if you pass away during the policy term. You pay one fixed monthly premium — nothing fluctuates, nothing expires early.
Every dollar of your premium buys death benefit coverage — no investment account, no cash value, no complexity. It's the most affordable way to get maximum coverage.
Your premium is set at the start and never changes for the entire term. Apply while young and healthy — your rate locks in for 10, 20, or 30 years.
Tower Hill uses Tower Hill carrier network's accelerated underwriting — most Texans get instant approval via a short health questionnaire. No blood draw, no nurse visit.
| Term | Best For | From |
|---|---|---|
| 10-Year | Bridge coverage, paying off short debts, children almost grown | $14/mo |
| 15-Year | Mid-range mortgage balance, private school years, income replacement | $16/mo |
| 20-Year | Most popular — full child-raising span, typical 20-yr mortgage | $22/mo |
| 30-Year | Young families, new 30-yr mortgage, long income-replacement window | $32/mo |
Sample rates for healthy 35-year-old male, $500K coverage. Actual rates vary by age, gender, and health class.
A healthy 35-year-old Texan can get $500,000 of 20-year term coverage for as little as $22–$30/month. Rates vary by age, health class, coverage amount, and term length. Use our free quote tool to see your personalized rate in under 2 minutes.
Most Texas carriers offer 10, 15, 20, and 30-year term policies. A 10-year term is ideal for short-term debts or bridge coverage; a 30-year term locks in a low rate while children are young and your mortgage is active.
Yes. Tower Hill carrier network's accelerated underwriting program approves most applicants for up to $500,000 in coverage through a digital health questionnaire only — no blood draw, no nurse visit, no waiting weeks for lab results.
When the policy term ends, coverage stops. You can convert to permanent coverage (whole life or universal life) before expiration without a new medical exam, apply for a new term policy, or let coverage lapse if your obligations are paid off.
Yes. The Texas Department of Insurance (TDI) requires all carriers operating in Texas to be licensed and follow state-specific consumer protection rules. Tower Hill Corp holds TX Agency License #2608479TX.
A common rule of thumb is 10–12× your annual income. For a $75,000 earner with a mortgage and two children, that suggests $750,000–$900,000 in coverage. Use our quote calculator to model your specific needs.
Rates only go up as you age. The best time to apply is now — your quote is free, instant, and requires no commitment.