Before that Browett was at Tesco.com: selling groceries online also sounds like a strange start for someone hired to run a very upscale retail experience like the Apple stores.
Unlike health insurance, the risk is greatest at the start of the policy, when the children are very young and the need for replacement income is great and also covers the risk when the need is significantly less, such as when the children are a month away from graduating college and starting their own lives.