All of the following issuers of partnership$-$qualified LTCI policies are engaging in practices permitted within the standards set forth in the NAIC Long$-$Term Care Model Act EXCEPT:

$($Search Chapter $6)$

a$.$ Insurer A requires all applicants to reveal information about current policies held and whether they intend to replace an existing policy.

b$.$ Insurer B provides the applicant with a state$-$approved buyer's guide to LTC insurance instead of the NAIC's Shopper's Guide to Long$-$Term Care Insurance.

c$.$ Insurer C discloses its rate increase history before the application is accepted.

d$.$ Insurer D offers its customers fast, automatic issuing of policies and handles underwriting later, when claims are submitted.