Why must an agent determine the extent of the senior's liquid assets before recommending an annuity? ( A ) The annuity may require additional premium payments that could drain the senior's assets. ( B ) The senior may not be able to access annuity funds without penalty because of surrender charges. ( C ) The agent must determine whether the senior has any additional funds available to purchase other insurance products. ( D ) The agent must ensure that sufficient assets will be passed to heirs when the senior dies.