Killeen is defined by Fort Cavazos (formerly Fort Hood) — the largest active-duty armored military base in the United States, home to over 40,000 soldiers and the anchor of a metro-area economy that depends heavily on military families. Life insurance in Killeen exists at the intersection of military benefit complexity and civilian financial planning. Active-duty soldiers carry SGLI at up to $500,000, but enlisted personnel with families often need additional coverage to fully replace their total compensation package — including BAH and BAS allowances that aren't captured in base pay calculations. Veterans separating from Fort Cavazos face a 120-day VGLI conversion window; missing it means losing guaranteed insurability at group rates. Tower Hill helps transitioning soldiers navigate this window and convert to permanent civilian coverage without gaps. Killeen's civilian population — government contractors, healthcare workers, retail and service employees who support the military community — often lack the benefit awareness that military families develop through service education programs. For them, individual life insurance is even more critical as the only layer of protection for their families. Bell County's growth continues, with Harker Heights, Copperas Cove, and Nolanville absorbing overflow residential demand.