Which of the following statements is true with regard to shopping for life insurance?

(a) You can use the surrender cost index to determine how much coverage to purchase.
(b) The financial strength of the insurer writing the coverage is unimportant.
(c) The financial ratings assigned to life insurers are sometimes unreliable and confusing.
(d) You can use the needs approach to determine the cost of life insurance per thousand per year.

Ans: (c) The financial ratings assigned to life insurers are sometimes unreliable and confusing.