9. Which of the following scenarios represents an insured retirement strategy? cCS4TZErd2p2a2NIWJNkOWh3WDJOTO9 2 a. Oliver's assignation of his whole life insurance policy with a CSV of $203,000 as a collateral to obtain a loan from a third-party to meet his iefirement needis b. Kody's collateralization of his UL policy's CSV and thereby receiving a loan of $10,000 each year without reporting a taxable income c. Martin's partial surrender of his UL policy after retirement as he feels he does not need as much coverage as he needed before d. Lorenzo's use of his whole life insurance policy's CSV to purchase a life annuity that will provide him with retirement incorre cGs4TzErd2p2a2NIWjNkQWh3WDJjQT09 3