Anthony has decided to purchase whole life insurance coverage but is a bit overwhelmed by the variety of policies available in the market. After talking it over with Katie, theyve decided that Anthonys policy should be purchased as quickly as possible to benefit from a lower annual premium. Theyre also willing to pay a specified and fixed premium each year until he dies or until he exercises the policys nonforfeiture right. Based on Anthonys needs, which of the following is the better choice