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