Maria is a single mother of an 8-years old child. She wants to get a life insurance policy with the lowest premium and highest protection for her child. Bob, an insurance agent, recommended Maria buy a whole life policy for her child. He told Maria the premium of the policy is much lower for young people than for old people. Besides, a whole life policy also generates a good investment return.

Comment on Bob's suggestion. (Word limit: no more than 150 words