35. An annuity where the initial account balance consists of pre-tax contributions is refered to as annuity? a) Qualified b) Non-Qualified c) Fixed d) Variable 36. An individual who needs "substantial assistance" with of the activities of daily living (ADLs) will generally qualify for long term care insurance benefits? a) 1 b) 2 c) 3 d) 4 37. All of the following are critical issues in selecting long term care insurance except: a) Length of elimination period b) The benefit trigger c) The amount of death benefit d) Whether it is a qualified policy 38. Which one of the following is an alternative to the purchasing of an individual long term care (LTC) policy? a) A life insurance policy rider b) Medicare c) The Affordable Care Act of 2010 d) COBRA continuation coverage 39. To determine the assets available at retirement, all of the following should be included except: a) Cash in a checking account b) IRA accounts c) Stock mutual funds d) Vested benefits in a 403(b) plan 40. William, age 55, wants to retire at age 65 with $2,000 in monthly retirement income. He currently participates in his company's 401(k) plan, but also is a member of a union, whose retirement plan will provide him with $1,000 monthly. William is assuming he will live until age