22. A partnership-qualified LTCI policy would likely be appropriate for which of the following? O a. Jim, who lives solely on Social Security b. Scott, who makes $85,000 per year and has $500,000 in savings oc. Humbert, who has just won $100 million in the lottery od. Marissa, whose income consists of monthly disability payments from Social Security and who just lost her home in a foreclosure 23. Which of the following is clearly engaging in unethical behavior? oa. ABC Insurance Company provides pamphlets to clients explaining potential tax consequences of choosing an accelerated death benefit. b. DEF Insurance Company encourages those eligible for Medicaid to find a way to purchase long-term care insurance to avoid the limitations of Medicaid-approved facilities for as long as possible. OC. GHI Insurance Company refuses to provide any information regarding its clients to any third party not authorized by the insured to view the record. o d. XYZ Insurance Company advertises its products on television only in a general manner and advises viewers to request additional information if they're interested. 24. Who of the following is engaging in unethical behavior? o a. Producer A uses humor to help clients understand the complexities of long-term care coverage