Paul and Jane, ages 30 and 34, are a young couple on a budget. They have two dependent children and have very little saved for retirement. Paul makes $65,000 per year and is the sole breadwinner of the family. He has group life insurance coverage of $250,000 but no disability insurance coverage or long-term care insurance. Jane has a whole life policy which provides benefits of $10,000, but also has no disability insurance coverage or long-term care. Paul and Jane are concerned about their future long-term care needs. Due to their cash flow, they’re only able to purchase one of the following insurance policies. As their planner, which do you recommend they purchase based on their current coverage and anticipated needs?