All of the following providers of partnership-qualified LTCI policies are engaging in permissible practices permitted within the standards set forth in the NAIC Long-Term Care Model Act EXCEPT: O a. Insurer A requires all applicants to reveal information about current policies held and whether they intend to replace an existing policy b. Insurer B provides the applicant with a state-published buyer's guide to LTC insurance instead of the NAIC's Shopper's Guide to Long-Term Care Insurance
c. Insurer Cdiscloses its rate increase history before the application is accepted d. Insurer D offers its customers fast, automatic issuing of policies and handles underwriting later, when claims are submitted