The following statements are about factors insurance companies consider when deciding which distribution channels to use. Select the

answer choice containing the correct statement.

A$.$ direct sales force using career agents is the least expensive distribution system to establish and maintain.

B$.$ Complex product such as universal life insurance typically requires a face$-$to$-$face engagement method.

C$.$ Insurance companies have more control over intermediary distribution channels than they do over direct distribution channels.

D$.$ An insurance company can generally satisfy the needs of all of its customers with a single distribution system or channel.