Which of the following might be considered a red flag under FinCEN rules? (Search Chapter 4) a. Arnold changes the beneficiary of his life insurance policy. b. Bob makes a considerable withdrawal from his life insurance policy and asks that the check be made payable to his ex-wife. c. Charlie purchases a life insurance policy with a single premium, then makes a substantial withdrawal six months later. d. Diane purchases a fixed annuity, then converts it to a variable annuity