Your client is concerned about health issues as they get older and they have family medical history indicating such. The client is concerned about their ability to afford a long-term care policy and taxation, though they are willing to pay any necessary expenses if need be. They also are interested in leaving a legacy for their children. All of these statements regarding long-term care are true, except

A)

consider purchasing a conventional long-term care policy while relatively young.

B)

Medicare and Medicaid long-term care are two viable options to offset long-term care needs.

C)

consider the utilization of a long-term care life insurance rider.

D)

consider the utilization of a long-term care annuity insurance rider.