Denise, 29, the owner of a highly successful IT contracting company, recently got married. She and her husband, Nick, live in an apartment and are enjoying their fast-paced lives full of exciting work and stimulating challenges. Denise recognizes the need to purchase life insurance to help protect her husband financially should the unexpected happen. As she and Nick are just starting out in their life together, she is interested in a policy that can grow with them through their future life stages.