Lilia and Mateo Navarrete are a dual-career couples who just had their first child. Mateo, age 29, already has a group life insurance policy, but Lilia’s employer does not offer life insurance. A financial planner is recommending that the 25-year-old Lilia 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 Lilia evaluate this advice and decide on an appropriate course of action.