Maurice, your cousin, has gone to work at midwest mutual, a huge whole life insurance corporation. when you come home from school, he’s sitting across from your parents and smiling. they’re about to buy a joint whole life policy that will pay $100,000 if your dad dies and will build savings as they pay the premiums. you want to stop him, but he’s “family,” so you can’t insult him. you decide to ask him questions that will reveal what a bad idea the policy is. what questions will you ask him, and why?