Malcolm and Ainsley Weaver are a dual-career couple who just had their first child. Malcolm, age 30, already has a group life insurance policy, but Ainsley’s employer does not offer a life insurance benefit. A financial planner is recommending that the 27-year-old Ainsley buy a $250,000 whole life policy with an annual premium of $1,670 (the policy has an assumed rate of earnings of 5 percent a year). Help Ainsley evaluate this advice and decide on an appropriate course of action. Do you agree with the present consultant who suggested a whole life police for $250,000 for Ainsley?