34. With regard to a life insurance policy that can accelerate its death benefit for payment of qualified long-term care expenses, which of the following statements is true? O a. The policy must meet the requirements of Section 7702B of the Internal Revenue Code. ob. The policy can be sold only for the purpose of a state's long-term care partnership program. c. The policy can pay an accelerated benefit only if the condition that triggered the benefit is diagnosed as permanent. od. The policy can pay an accelerated benefit only if the condition that triggered the benefit will result in the insured's death. 35. Rising debt with falling equity is characteristic of what kind of home loan? a. reverse mortgage ob. conventional bortgage OC. second mortgage od structured mortgage 36. Who are the best candidates for self-funding long-term care costs? O a. those with moderate incomes and assets ob. those with above average wealth whose disposable incomes exceed the cost of care oc. those with few assets and low or no incomes od those with high incomes but low net worth 37. What is the unethical sales practice of making exaggerated or unsubstantiated statements? O a twisting o b. puffing c. Inducement od. bait and switch