A well-known insurance company offers a policy known as the "Estate Creator Six Pay," Typically the policy is bought by a parent or grandparent for a child at the child's birth. The details of the policy are as follows: The purchaser (say, the parent) makes the following six payments to the insurance company. No more payments are made after the child's sixth birthday. When the child reaches age 65, he or she receives $250.000. If the relevant interest rate is 6 percent for the first six years and 7 percent for all subsequent years, is the policy worth buying