Tower Hill Corp provides whole life insurance for Texas residents through top-rated carriers . Guaranteed death benefit, guaranteed cash value growth, and level premiums that never change.
The death benefit is contractually guaranteed — it can't decrease and never expires, as long as required premiums are paid.
Every premium dollar builds guaranteed cash value tax-deferred. Accessible via policy loans without surrendering coverage.
Your premium never changes. Apply young in Texas to lock in the most affordable rate for the rest of your life.
Understand how the three main types of life insurance compare for Texas residents.
| Whole Life | Term Life | Universal Life | |
|---|---|---|---|
| Coverage Length | Lifetime | 10–30 years | Lifetime |
| Premium | Level forever | Lowest cost | Flexible |
| Cash Value | Guaranteed growth | None | Interest-rate linked |
| Best For | Permanent protection + savings | Pure protection, mortgage payoff | Flexible premium needs |
| Carriers Available | 30+ TX carriers | 30+ TX carriers | 10+ TX carriers |
Whole life isn't for everyone — but for the right Texan, it's the strongest financial tool available.
Fund buy-sell agreements and key person coverage. If a partner passes, the death benefit provides immediate liquidity to keep your Texas business running without forced asset sales.
Texas has no state estate tax, but federal estate taxes still apply to larger estates. Whole life provides tax-free liquidity so heirs don't need to sell real estate or business interests.
Create a lifetime source of funds for dependent care. A whole life policy ensures your special needs child has guaranteed financial support regardless of when you pass away.
Already hit your 401(k) and IRA limits? Whole life cash value grows tax-deferred with no contribution limits. In Texas, withdrawals aren't subject to state income tax — ever.
Your premiums don't just buy protection — they build equity.
From application to active policy — here's exactly what to expect.
Complete a brief health questionnaire. Some carriers offer no-exam options for qualifying Texans under age 55.
We compare quotes from 30+ A-rated carriers to find the best rate for your specific health profile and coverage needs.
Customize your death benefit, riders (waiver of premium, accelerated benefit), and payment schedule — annual, semi-annual, or monthly.
Once approved, your policy is issued and coverage begins immediately. Cash value starts accumulating from day one.
Yes — Tower Hill Corp offers whole life insurance for Texas residents through our network of 30+ A-rated carriers . We are licensed in Texas (TX Agency License #2608479TX) and serve residents statewide.
Whole life premiums depend on your age, gender, health class, and the benefit amount. A 40-year-old Texan in excellent health might pay $150–$300/month for $250,000 in whole life coverage. Premiums are guaranteed level for life — they never increase.
Texas has no state estate tax or inheritance tax. However, federal estate taxes may apply to larger estates. Whole life insurance can be structured to provide liquidity for federal estate taxes without requiring the sale of Texas real estate or business interests.
Yes — whole life is commonly used to fund buy-sell agreements for Texas businesses. Each business partner owns a policy on the other partners. At death, the survivor uses the death benefit to buy out the deceased partner's ownership interest.
Free quote for Texas residents. No obligation. Rates are locked in at today's age — apply now.
Tower Hill Corp · TX Agency License #2608479TX