help with 47-50 please

47. Among the following, which causes the most concern for regulators with regard to variable annuities? a. Variable annuities offer too many subaccount investment options. b. Insurers are not registering their contracts as investment products. c. The contracts are being inappropriately sold and placed. d. Few owners annuitize their contracts. 48. Sales of variable annuities to which of the following groups have proven to be cause of particular regulatory concern? a. single parents b. college students c. elderly consumers d. high-income wage earners 49. With regard to the proper marketing and sale of variable annuities, all of the following are correct EXCEPT: a. Producers must have reasonable grounds to believe that a variable annuity is suitable for any given clients. b. The cost of the product's death benefit must be disclosed. c. Transactions involving product replacements or exchanges must be reviewed. d. Use of these products to fund a qualified plan is prohibited. 50. For which of the following prospects would a deferred variable annuity clearly not be suitable? a. Neil, a 78-year old widower who is in ill health b. Arnold, a 55-year old self-employed individual who wants to accumulate funds for his retirement c. Ashley, a 48-year old career woman who cannot make deductible contributions to an IRA d. Phyllis, a 32-year old homemaker who has returned to school full-time