Many Apex residents have some life insurance through work. The problem is that group coverage is usually one or two times salary. It usually ends, or gets much more expensive, when the job does, and it rarely includes critical or chronic illness riders. A personal term policy can fill that gap and stays with you between jobs. For healthy applicants, it's often less expensive than people expect.
I work with local business owners as well as families. If you own a business, your family and your business may both depend on you. It's worth planning for both at the same time.
