34. Which of the following situations creates no best interest or supervisory standard for Big Life Annuity Company?

a. Juan is appointed by Big Life, but makes a consumer recommendation for the purchase of an annuity Big Life does not offer.

b. A consumer who purchased an annuity offered by Big Life registers a complaint about the product with the producer, not with Big Life.

c. Dirk, an appointed Big Life producer, fails to create a consumer profile before recommending the purchase of an annuity offered by Big Life.

d. A consumer agrees to sign a form provided by a Big Life producer that states neither the producer nor Big Life have any obligation to the consumer for any reason.