McKinney has been one of the fastest-growing cities in America for over a decade, adding tens of thousands of new residents annually as families flee Dallas and Collin County home prices push north. The city's growth has attracted large employers including Encore Wire, Raytheon, and a cluster of financial services and healthcare companies, while its historic downtown has become a retail and restaurant destination. McKinney's demographics skew young: a large share of residents are 30-45 with children, mortgages, and dual incomes — precisely the demographic with the highest need for term life insurance and the least time to think about it. Many McKinney families are mortgage-rich but income-dependent: a $600,000 home financed at today's rates represents a monthly obligation that requires both incomes to sustain. The loss of one earner without life insurance coverage isn't just a financial inconvenience — it's a housing crisis. Tower Hill's McKinney clients frequently cite the same motivation: they bought the house and kept meaning to "get around to" life insurance. The online application makes it possible to close that gap in under 20 minutes, no doctor visit required. Collin County's growth also means many McKinney residents are new to Texas and haven't established a local insurance relationship.