Waco sits at the geographic center of Texas and has undergone a remarkable reputational transformation since Chip and Joanna Gaines turned it into a national lifestyle destination. The Magnolia Market at the Silos, Baylor University, and a growing tourism economy have put Waco on the map — but the city's core economy remains anchored in manufacturing, healthcare, education, and agriculture. L3Harris Technologies, Dr Pepper Snapple (acquired), and Baylor Scott & White Health are among the largest employers. Baylor University's 17,000+ student population and staff create a young, educated demographic that is systematically underinsured — a pattern common in university towns where life insurance is never part of the conversation. McLennan County's manufacturing workforce faces similar gaps: many assembly and production workers earn middle-class wages but rely entirely on employer group coverage that disappears with a job change or layoff. Waco's growing tourism economy — Magnolia-related retail, hospitality, and food service — creates a large population of part-time and hourly workers without benefits. The city's home prices remain among the most affordable of any Texas metro, making homeownership accessible to families who previously couldn't buy — and creating new mortgage protection needs that didn't exist a decade ago. Tower Hill makes Waco coverage simple, fast, and affordable.