Mr. Smith is a 50 year old client of Bob, who is a registered representative. Bob is trying to get Mr. Smith to purchase a non-qualified Deferred Variable Annuity offered by his company. In making this recommendation to Mr. Smith, Bob should first be sure that:.
[A] The variable annuity has a death benefit associated with it.
[B] Mr. Smith has already made his maximum contributions into his before-tax retirement plans.
[C] Mr. Smith plans to retire prior to the completion of the surrender period.
[D] The variable annuity has a fixed annuity payment at the time Mr. Smith retires.
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