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