24. When watching for suspicious activity associated with covered product transactions, an insurance producer would correctly consider all of the following to be red flags EXCEPT:

• a. The customer does not know the beneficiary's date of birth.
• b. The customer shows no interest in the investment performance of an insurance product but much concern about its withdrawals and surrender provisions.
• c. The applicant exhibits a lack of concern for policy fees and charges.
• d. The applicant is rated and shows casual disregard for the higher premiums of a rated policy.