Suppose that Congress and the President are concerned that some individuals die without making adequate plans to financially provide for their families after their death. Their efforts to reduce this problem by introducing personal savings accounts into the Social Security System seem dead in the water. So instead, they pass legislation that mandates that all employers must provide their employees with a life insurance policy that is worth at least $100,000 (at no cost to the employee). What are the likely effects on employee well-being of this mandate?