Two insurance companies gave the following quotations on premiums for essentially the same long-term disability insurance coverage for a 25-year-old. Paul Revere Insurance Co. quoted monthly premiums of $54.83 from ages 26 to 30 inclusive, and $78.17 from ages 31 to 64 inclusive. The monthly premiums from Provident Insurance Co. are “flat” at $69.35 from ages 26 to 64 inclusive. All premiums are paid at the beginning of each month. The insurance broker recommended the Provident coverage because the aggregate lifetime premiums up to the client’s sixty-fifth birthday are $32,455.80 versus $35,183.16 for the Paul Revere policy. Is the choice that simple?