Ramona and Pablo Valdez are a dual-career couple who just had their first child. Pablo, age 29, already has a group life insurance policy, but Ramona's employer does not offer life insurance. A financial planner is recommending that the 25-year-old Ramona buy a $250,000 whole life policy with an annual premium of $1,670 (the policy has an assumed rate of earnings of 5% a year). Help Ramona evaluate this advice and decide on an appropriate course of action.