You have determined that your clients have a life insurance death benefit need of $750,000, and they can afford the premium on a 20-year level term policy. They are also considering a whole life policy because they would like to build up cash value over time, but because of the higher premium they can only afford a policy with a $300,000 death benefit. Which of the following is generally considered to be the best advice?

A. Purchase the term policy, because term is always a less expensive and better option.

B. Purchase the whole life policy, since the cash value will be paid along with the death benefit and provide adequate coverage.

C. Purchase the whole life policy, since building up cash value over time is an important goal for the client.

D. Purchase the term policy, because meeting the life insurance need is the most important factor.