Adam and Eve have been in a common-law relationship for six years and recently have a baby boy. Their insurance agent suggests that Adam purchase individual life insurance. Adam informs him that he is covered by his company's group life insurance, which is convertible for the full coverage amount if the plan was to be terminated or if he left his job in ten or even twenty years. By ignoring his agent's suggestion, what disadvantage could Adam be faced with in ten or twenty years?