At age 72, Mrs. Smith is considering applying for Medi-Cal so she can afford her medical bills. Today Agent Charles is visiting her home and wanting to sell her an annuity product. Which of the following is true?

A. It's permissible for Agent Charles to visit Mrs. Smith for the first time without providing her a pre-meeting notice in writing 24 hours in advance.
B. Agent Charles cannot allow Mrs. Smith to purchase an annuity if after the purchase, Mrs. Smith wouldn't qualify for Medi-Cal.
C. Mrs. Smith must agree to meet with Agent Charles alone.
D. Agent Charles should recommend the annuity purchase to assure he receives the greatest commission possible from the visit.

Answer: B. Agent Charles cannot allow Mrs. Smith to purchase an annuity if after the purchase, Mrs. Smith wouldn't qualify for Medi-Cal.