I need help on questions 21,22,23 please!!

. 21. On what primary basis should Producer Lester determine the suitability of an annuity product he recommends to any of his clients? a. the facts disclosed by the client b. the advice of his more experienced colleagues c. the number and profile of other buyers who have purchased the product d. the commission he will make on the product 22. Which of the following best describes the stated purpos the NAIC Annuity Suitability Model Regulation? TIL a. to promote annuity transactions that minimize consumer complaints to state insurance regulators b. to promote annuity transactions so that more consumers will purchase annuities c. to promote annuity transactions that reduce the amount of information the consumer needs to be given to make a purchasing decision d. to promote annuity transactions that appropriately address the consumer's insurance needs and financial objectives 23. Randy is a producer who is licensed in a state that has enacted the NAIC Suitability in Annuity Transactions Model Regulation. For the sale of which of the following products must Randy abide by the compliance requirements set forth in this model? a. only traditional fixed annuities b. only indexed annuities c. only variable annuities d. fixed, indexed and variable annuities