Bob Martino is a new staff person at his firm. His firm audits XYZ, an insurance company with a very strong balance sheet. Which condition would allow him to obtain a life insurance policy from XYZ? A. He will charge less than 20 hours to the audit of XYZ. B. He is not a covered member with respect to XYZ. C. The insurance payout is not material to his net worth. D. The insurance premiums are not material to his net worth