Malcolm and Ainsley Weaver are a dual-career couple who just had their first child. Malcolm, age 30, already has a group life insurance policy, but Ainsleys employer does not offer a life insurance benefit. A financial planner is recommending that the 27-year-old Ainsley buy a $250,000 whole life policy with an annual premium of $1,670 (assumed rate of earnings of 5% a year). Help Ainsley evaluate this advice and decide on appropriate course of action.