Midland is the financial capital of the Permian Basin — the most productive oil and gas region on earth. The city's fortunes have always followed oil prices: boom in 2012, bust in 2015, boom again in 2021, with the cycle continuing. This volatility defines Midland's insurance environment in a way unlike any other Texas city. During boom periods, Midland workers earn extraordinary incomes — roughnecks clearing $150,000+ annually, engineers and landmen earning twice that. During busts, those incomes can evaporate within months. The financial risk isn't just losing a job; it's carrying a lifestyle and obligations built on boom-cycle income into a bust cycle with zero income replacement protection. Life insurance that was "unaffordable" during a bust becomes obviously necessary in retrospect. Tower Hill helps Midland families get covered during both phases of the cycle — with flexible coverage levels and no-exam options that accommodate the income volatility and demanding physical work of energy sector careers. Midland also has a significant population of wealth-building families who have accumulated meaningful assets through stock in energy companies, mineral rights, and investment properties. Permanent life insurance plays a critical estate planning role for families whose net worth includes illiquid energy assets — ensuring heirs aren't forced to sell at fire-sale prices to cover estate obligations.