Bart is a college student. Since his plan is to get a job immediately after graduation, he determines that he will need about $ 250,000 in life insurance to provide for his future wife and children (Bart is not married yet and does not have any children). Bart has obtained a quote over the Internet that would require him to pay $ 200 annually in life insurance premiums. As a college student, this is a significant expense for Bart, and he would likely have to borrow money to pay for the insurance premiums. Advise Bart on the timing of his life insurance purchase.