From Sheppard AFB families to oil field workers across Wichita County — this community works hard and deserves life insurance that works just as hard. Tower Hill delivers instant, affordable coverage.
Wichita Falls is anchored by Sheppard Air Force Base and surrounded by oil and gas operations. Tower Hill understands the unique risks and coverage needs of both military and energy sector families.
Whether you're stationed at Sheppard or working a rig in Wichita County, Tower Hill's fully digital 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 North Texas market.
Military families and energy workers face unique risks. Term life coverage ensures your income is replaced and your dependents are protected — whether you're deployed or in the field.
Learn MoreKey person insurance, buy-sell agreements, and executive bonus plans protect Wichita Falls businesses — from oil service companies to Main Street retail.
Learn MoreDisability income and critical illness coverage replace your paycheck if injury or illness keeps you from working. Critical for physical laborers and energy sector workers.
Learn MoreYes. SGLI provides a maximum of $500,000, but most military families with a mortgage and children need $1M–$2M. A personal term policy supplements SGLI, stays with you after separation, and often costs less than converting to VGLI after your service ends.
Some carriers do add surcharges for oil field occupations, but Tower Hill works with 30+ carriers — including those that specialize in energy sector workers. We find competitive rates for roughnecks, pipeline workers, and field engineers that single-carrier agents often cannot.
The standard rule is 10–12× your gross income. For a Wichita Falls household earning $55,000, that means $550K–$660K in coverage. The good news: Wichita Falls' affordable cost of living means adequate coverage is very budget-friendly here.
Most Wichita Falls applicants receive a same-day decision. Tower Hill's digital underwriting processes your application online — no exam, no waiting. Whether you're on base at Sheppard or working in the field, coverage starts the day 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.