The Woodlands · Conroe · Greater Houston, TX & Nationwide
Protect What Matters Most. Build What's Next.
Built To Grow Financial Group is a life insurance and financial services agency helping individuals, families, and businesses secure their future — with integrity, clarity, and a plan built for them.
"We're not here to sell. We're here to inform, protect, and help you grow."
Term Life ✦IUL ✦Whole Life ✦Final Expense ✦Annuities ✦IRA Rollovers ✦401k/403b ✦College Savings ✦Retirement Planning ✦Key Man Insurance ✦Executive Bonus ✦Asset Protection ✦Term Life ✦IUL ✦Whole Life ✦Final Expense ✦Annuities ✦IRA Rollovers ✦401k/403b ✦College Savings ✦Retirement Planning ✦Key Man Insurance ✦Executive Bonus ✦Asset Protection ✦
Our Mission
Built Around Your Goals.
We believe every person deserves honest guidance and a strategy built specifically for their life — not a one-size-fits-all policy pushed to meet a quota.
"We do not install policies for individuals, families, or businesses that won't genuinely protect them, fund their goals, or meet their real expectations."
🎯
Purposeful Planning
Every recommendation is built around your specific goals — income, retirement, legacy, or business protection.
⚖️
Integrity First
No upsells. No pressure. We only present solutions we genuinely believe will serve you.
📚
Education Over Sales
We walk you through how products work so you make informed decisions — always.
🌱
Long-Term Partnership
As your life evolves, your strategy should too. We're with you every step of the way.
The Reality Most Americans Face
40%
Have No Life Insurance
LIMRA Barometer Study
50%
Are Underinsured
Avg. gap: $200K+ in coverage
66%
Would Struggle Within Months
If a primary earner passed
$0
To Review Your Coverage
A free review could save thousands
What Does It Actually Cost?
Real Coverage. Real Numbers.
Most people avoid the conversation because they assume they can't afford it. These are real-world examples — actual coverage amounts at actual rates. Your quote may be even lower.
Example · Healthy Non-Smoker
32-Year-Old · $500K Term Life · 20-Year Policy
~$28
per month
$500,000 paid to your family if you pass
Coverage locked for 20 years — rate never changes
Protects mortgage, income, kids' future
Less than most people's streaming subscriptions
* Illustrative rate. Final premium based on health, carrier, and state.
Example · Wealth Building Strategy
38-Year-Old · IUL · $500/Mo Premium · 20 Years
$180K+
projected tax-free cash value at year 20
Linked to S&P 500 index — growth without market loss
Floor of 0% — you never lose principal to a down year
Death benefit in place the entire time
Cash value accessible tax-free for retirement or emergencies
* Projections are illustrative and not guaranteed. Based on historical index performance.
Example · Retirement Planning
55-Year-Old · $150K Annuity Rollover
$1,100+
guaranteed monthly income for life starting at 65
Principal protected — zero market risk
Income you cannot outlive, regardless of market conditions
Supplements Social Security significantly
Tax-deferred growth until distributions begin
* Illustrative only. Annuity rates vary by carrier, age, and contract terms.
💡
Age matters more than anything. A 32-year-old pays roughly half what a 42-year-old pays for the same term policy. Every year you wait, the rate goes up — and locking in now protects that rate permanently.
This is a general recommendation based on your answers. A licensed agent will discuss all options with you — no obligation.
We are not here to sell — we are here to inform, to protect, and to help you build a future you're proud of.
We will never install a policy for an individual, family, or business that does not genuinely protect them, fund their goals, or meet their real expectations. That is our commitment.
Book an Appointment
Let's Talk. No Pressure. No Cost.
Whether you want a free review of your existing coverage or you're starting fresh and want to find what's right for you — we're here to help, not sell. A licensed agent will reach out within 24 hours.
Step 1 of 2 — Contact Info
We save your info in case you close the page. Zero spam, ever.
✦ All fields below are completely optional. Sharing a little about yourself helps us come prepared so we make the best use of your time.
A licensed agent will contact you within 24 hours. Zero obligation, zero pressure.
📍
The Woodlands, TX · Also serving Conroe, Spring, Tomball & Greater Houston · Virtual appointments available nationwide · Call or text: (346) 336-4587
What Clients Are Saying
Real People. Real Results.
We let our clients speak for themselves. Read what families and business owners across Texas have to say about working with Built To Grow Financial Group.
Google
★★★★★
5.0
Google Rating
Had a great experience with BTG? Your review helps other families in Houston, The Woodlands, and Conroe find trusted coverage.
I want to thank Mr. Treon Hill for the help he has given me to set my family and I for success. Treon showed great support in the process setting up accounts for me and my family, he was very helpful and knowledgeable about the service I wanted and answered any questions I had. I really recommend working with Mr. Treon Hill!
Google Review · 1 week ago
RG
Regina Glass
★★★★★
⭐
5-Star Rating
Regina gave BTG a perfect 5-star review on Google
Google Review · 1 week ago
CW
Charles Walker
★★★★★
🏅 Google Local Guide · 30 Reviews
⭐
5-Star Rating
Charles, a trusted Local Guide, gave BTG a perfect 5-star review
Google Review · 1 week ago
Share Your Experience
If we helped you or someone you love, a quick Google review makes a real difference. It takes 60 seconds and helps other Texas families find trustworthy guidance.
As an independent broker, we shop across 24+ top-rated carriers to find the coverage that fits your life — not our bottom line. From protection to wealth building to retirement, we have a solution for you.
As an independent broker, we shop 24+ top-rated carriers to find the right product for you — not our bottom line.
🛡️
Protection
Term Life Insurance
Affordable coverage for a set period. Ideal for income replacement, mortgage protection, and young families.
📈
Wealth Building
Indexed Universal Life
Permanent life insurance with cash value linked to a market index. Grows tax-advantaged with downside protection.
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Flexible
Universal Life Insurance
Permanent coverage with flexible premiums and adjustable death benefit. Adapts as your life changes.
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Lifelong
Whole Life Insurance
Guaranteed permanent coverage with guaranteed cash value growth. A foundation for generational wealth.
🌿
Senior Planning
Final Expense Insurance
Covers end-of-life costs so your family isn't left with a financial burden during a difficult time.
📊
Retirement
Fixed & Indexed Annuities
Guaranteed income streams for retirement with principal protection and growth potential.
🔁
Rollover
401(k) / 403(b) & IRA Rollovers
Transition retirement accounts without tax penalties. We guide you through every step.
🎓
Education
College Savings Planning
Tax-advantaged strategies to fund your child's education with more flexibility than a 529.
🌅
Long-Term
Retirement Planning
Build a tax-efficient strategy that supplements Social Security and ensures you never outlive your money.
💊
Health
Supplemental Health & Disability
Fill the gaps your primary health insurance leaves behind with critical illness and disability coverage.
🏠
Protection
Mortgage & Debt Protection
Ensure your home and major debts are covered so your family keeps the life you built together.
👑
Legacy
Estate & Legacy Strategies
Leave a lasting legacy for your family, church, or charity. Structure policies that maximize the wealth you pass on.
Are You Covered?
Most Americans Are Overpaying or Underinsured.
Studies show most families either pay too much for the wrong coverage — or carry far less protection than they need. A free 30-minute review could identify gaps and save you hundreds per year.
102M
Uninsured or Underinsured Americans
Nearly 1 in 3 adults without adequate life insurance (LIMRA, 2023)
$182K
Average Coverage Gap Per Household
Most families underinsured by six figures — without realizing it
72%
Overestimate the Cost of Life Insurance
Many avoid coverage thinking it's unaffordable — may qualify for under $30/month
Most business owners carry more risk than they realize. One unexpected loss — a key person, a partner, a co-owner — can unravel years of work in weeks. The right coverage doesn't just protect you. It keeps the business running.
✓ Sole Proprietors✓ Partnerships✓ LLCs & S-Corps✓ Family Businesses✓ 1–50 Employees✓ Self-Employed
What Happens If You Don't Have Coverage?
These aren't hypothetical. They're the conversations business owners have after the fact — when it's too late to do anything about it.
⚠️
A Key Person Dies — No Coverage
A 3-person HVAC company loses its master technician. Revenue drops 60% overnight. With no key man policy, the owner uses personal savings to stay afloat — and still has to close 8 months later.
⚠️
A Partner Passes — No Buy-Sell Agreement
Two partners own a $1.2M logistics business 50/50. One dies. The surviving partner now co-owns the business with the deceased's spouse — who wants to sell immediately. Without a funded buy-sell agreement, there's no clean exit. Litigation follows.
⚠️
No Succession Plan — The Business Dies With the Owner
A self-employed contractor passes suddenly. No life insurance beyond a small employer policy. The business had $380K in receivables and equipment — none of it liquidated properly. The family receives far less than the business was worth.
Real-World Examples
What the Right Coverage Actually Looks Like.
These scenarios illustrate how business owners use life insurance strategically — not just as a safety net, but as a business tool.
Key Man Insurance · Example
$500K
Software Firm · 8 Employees
Their lead developer generates roughly 70% of client revenue. If he left or passed, the business would face an immediate crisis. The owner wanted protection without tying up capital.
Solution: $500K key man term policy on the developer. Monthly premium: ~$85. If the worst happens, the business has a cash runway to recruit, retrain, and survive — instead of scrambling.
Buy-Sell Agreement · Example
$1.4M
Two-Partner Construction Company
Each partner wanted to ensure that if one died, the surviving partner could buy out the deceased's share without conflict — and the family would be taken care of without being forced into the business.
Solution: Cross-owned life policies — each partner insures the other for $700K. Upon death, proceeds fund the buyout cleanly. No courts, no disputes, no forced sale.
Executive Bonus Plan · Example
$300/mo
Medical Practice · Retaining Top Staff
A physician group was losing top-performing staff to larger hospital systems offering better benefits. They needed a retention tool that was tax-efficient and didn't require a full group benefits overhaul.
Solution: Executive bonus IUL for 3 key staff. The practice deducts the premium as a business expense. Each employee builds personal cash value. Two out of three staff turned down competing offers.
Business Owner Personal Planning · Example
$1,200/mo
Self-Employed Contractor · No Employer Benefits
A general contractor, age 44, had no life insurance, no retirement plan, and no disability coverage — all things W-2 employees take for granted. He wanted everything fixed in one conversation.
Solution: $750K 20-year term ($110/mo) + IUL for retirement accumulation ($800/mo) + short-term disability rider. Full protection stack built around his cash flow.
Free Business Coverage Review
We'll look at your current structure, identify the gaps, and show you exactly what protection would cost — no commitment required.
We are not captive to any single carrier. We shop across more than two dozen of the nation's most trusted companies to find you the best coverage at the best rate.
Aetna
AIG
AIG
Partners Group QoL
American Equity
American National
Athene Annuity
AuguStar Life
F&G
Annuities & Life
Foresters Financial
Forethought
Global Atlantic
John Hancock
Lincoln Financial
Mediator
Debt Solutions
Mutual of Omaha
National Life Group
NWL
Insurance Company
Nationwide
+ Annexus
North American
Pacific Life
SILAC
Insurance Company
The Standard
Universal Life
CVS Health
Aflac
Our Core Values
What We Stand For.
⚖️
Integrity
We do what's right every time — honest, transparent, always.
📖
Education
Informed clients make better decisions. We teach, never pressure.
🌱
Growth
We invest in every person we work with — agents and clients alike.
🤲
Service
We show up. We follow through. We're a resource for life.
🏆
Excellence
High standards because our clients and team deserve nothing less.
❤️
Community
Rooted in The Woodlands, committed to the families around us.
Founded in The Woodlands, TX · Built on Integrity
A Real Person. In Your Corner.
Built To Grow Financial Group was founded by Treon Hill with one mission: make sure every person who sits across from us walks away with a strategy that actually protects them — not a commission that serves us.
Hi, I'm Treon Hill — Founder at Built To Grow Financial Group. I started this agency because I watched too many people go without protection they needed, or overpay for coverage that didn't actually serve them. That ends here.
My mission is simple: educate first, always. I don't believe in convincing anyone of anything. When the right plan is explained clearly and honestly, it speaks for itself. Every client I work with gets my full attention, my honest assessment, and a strategy built around their real life — not a commission.
Whether you're in The Woodlands, Conroe, anywhere in the Greater Houston area, or anywhere in the country — I'm one call or text away.
🪪
Licensed Insurance Agent
Texas License #3449367 · Life & Health
🤝
Independent Broker
Appointed with 24+ top-rated national carriers
📍
The Woodlands, TX
Serving The Woodlands · Conroe · Greater Houston · Nationwide
Join a life insurance agency where your growth is the mission. New or already licensed — we have a proven path, real mentorship, and rewards that make winning worth it.
🔥 Now Recruiting in Texas, Florida, Georgia & Nationwide · Limited Spots This Quarter · Apply Below
$50K–$200K+
Year 1–3 Earning Range
Commission-based, uncapped income. New agents average $3K–$6K/month within 90 days. Top producers earn $10K–$30K+ monthly. No ceiling, no territory limits.
Your Pathway
Two Roads. One Destination.
No matter where you are in your career, we have a structured path to get you licensed, earning, and leading.
New to the Industry
🌱
Start From Zero
No license? No problem. We walk you through study materials, exam prep, and state licensing from scratch.
→Training materials & study guides provided
→Group licensing classes with peers
→State exam prep & support
→Carrier & product training
→1-on-1 mentorship from day one
→Most agents licensed in 1–4 weeks
Already Licensed
⚡
Transfer & Level Up
Already licensed? We handle carrier transfers and re-appointments so you can start producing fast.
→Streamlined carrier transfer support
→Re-appointment process assisted
→Access to top-tier carrier contracts
→Advanced leadership training
→Skip the ramp-up — start producing fast
→Path to build and lead your own team
How It Works
Your First 90 Days.
A clear roadmap from application to your first commission check — with your team beside you the whole way.
01
Apply Online
Submit below. We review every application personally.
02
Discovery Call
A quick conversation about your background and goals.
Pass your exam and activate your carrier contracts.
05
Start Earning
Write business, hit goals, unlock incentives.
Compensation
Real Money. Uncapped Potential.
Performance-driven with no income ceiling. The harder you work, the more you make.
$50K–$80K
Year 1 — Foundation
New agents building their book with full mentorship
$80K–$120K
Year 1 — Accelerated
Motivated producers who hit milestones early
$150K+
Year 2 & Beyond
Top performers with residual & override income
Incentives & Rewards
Win Big. Every Quarter.
✈️
All-Inclusive Trips
Fully paid resort vacations for top producing agents
🛳️
Luxury Cruises
Annual cruise rewards for agents who exceed goals
🛍️
Shopping Sprees
Milestone-based rewards — winning should feel good
🏆
Agent Recognition
Monthly spotlight and bonuses for standout agents
🎯
Production Bonuses
Hit targets and unlock stacking bonus tiers
👑
Agency Ownership
Build your own team with override income
Our Culture
You're Never Doing It Alone.
Real community, real mentorship, real support — not just a contract and a handshake.
🚪
Open Door Policy
Every leader is genuinely accessible. Questions never sit unanswered.
🎓
Group Training Classes
Regular sessions on licensing, carriers, products, and leadership — in-office and on Zoom.
🤝
1-on-1 Mentorship
Paired with an experienced agent from day one who celebrates wins with you.
💻
Hybrid Flexibility
Woodlands, TX office available — or work fully remote on your schedule.
📚
Carrier & Product Training
Deep knowledge of our full carrier portfolio so you're always confident with clients.
🚀
Leadership Fast Track
Develop from agent to agency owner with our structured leadership program.
Hear From The Team
Real People. Real Results.
"
★★★★★
I had zero insurance experience. Within 60 days I had my license, my first client, and my first commission. These people actually care if you succeed.
MJ
Marcus J.
Licensed Agent — 8 months in
"
★★★★★
I transferred my license and the process was seamless. Better carrier contracts and I made more in my first quarter here than my entire previous year.
TD
Tanya D.
Senior Agent — 2 years in
"
★★★★★
Group training gave me real confidence. I knew the products before I ever spoke to a client. And yes — I went on the cruise. It was absolutely real.
RW
Rashida W.
Team Leader — 3 years in
Common Questions
Questions, Answered.
Not at all. We welcome career changers, recent grads, and anyone ready to commit. If you don't have a license, we provide all training and materials to obtain one.
Most candidates are licensed in 1–4 weeks. Our team supports you throughout so you're never studying alone or guessing what's next.
Agents work as independent contractors (1099), giving you control over your schedule and uncapped earning potential.
Yes. This is a hybrid position. Our Woodlands, TX office is available but not required. Many of our top agents work primarily remotely.
Production milestones are set each quarter. Agents who hit or exceed goals earn all-inclusive trips, cruises, and shopping sprees. Details shared during onboarding.
We handle everything — carrier transfers, re-appointment paperwork, and contract activation. Most transfers are completed within 1–2 weeks.
Join The Team
Ready to Build Your Future?
Submit your application and a team member will personally reach out within 48 hours. Real people, real conversations.
Independent contractor (1099). Commission-based, no income cap. By submitting you agree to be contacted by our team.
