Why must the agent determine the extent of the senior's liquid assets before recommending an annuity?
a. the annuity may require additional premium payments that could drain the senior's assets.
b. the senior may not be able to access annuity funds when needed without penalty because of surrender charges.
c. the agent must determine whether the senior has any additional funds available to buy other insurance products.
d. the agent must ensure that sufficient assets will be passed to heirs when the senior dies.