Please help with 62-65!

62. What is the primary drawback to relying on a health savings account to fund long-term care? a. its maximum annual contribution limits b.its tax-favored status Oc the fact that it is a custodial account d. the fact that qualified medical expenses are difficult to determine 63. With regard to a life insurance policy that can accelerate its death benefit for payment of qualified long-term care expenses, which of the following statements is true? a. The policy must meet the requirements of Section 7702B of the Internal Revenue Code. b. The policy can be sold only for the purpose of a state's long-term care partnership program. Oc. The policy can pay an accelerated benefit only if the condition that triggered the benefit is diagnosed as permanent d. The policy can pay an accelerated benefit only if the condition that triggered the benefit will result in the insured's death. 64. How does a life insurance lifetime settlement differ from a life insurance viatical settlement? a. A lifetime settlement does not require a terminal illness; a viatical settlement does. b. A lifetime settlement is available to all policyholders; a viatical settlement is available only to healthy seniors, typically those between the ages of 55 and 65. c. A lifetime settlement is between the insurance company and the insured; a viatical settlement is between the insured and a third party. d. A lifetime settlement payout will equal the policy's death benefit; a viatical settlement payout is less than the policy's cash value. 65. Who of the following is engaging in a permissible sales practice? a. Producer A tells Gabi that a particular policy is exactly the policy bought by a famous celebrity, so how could she go wrong in buying it? b. Producer B tells Richard that a particular insurance company is known for paying claims for conditions not even technically covered by their policies. Producer C claims that the policy Flora is considering is, as everyone knows, quite simply the best insurance policy ever designed for long-term care. d. Producer D tells Polly that, in his opinion and based on what he has seen, a particular insurance carrier is especially responsive to its customers when dealing with claims