Your customer, who still works, informs you that she will be funding a variable annuity (VA) you have recommended from two sources: a refinancing of her primary home where she will be able to draw out equity that has built up since it was purchased 15 years ago, and cashing out another VA she recently purchased within the past two years without a lifetime income rider like the one you have recommended. Based only on these facts, the VA recommendation is: a. suitable if she has enough equity in the home to fund the variable annuity without cashing out the other VA contract
b. not suitable because a lifetime income rider is only for someone who is already retired
c. suitable regardless of funding sources
d. not suitable