14. Which of these might be important to the client when considering a Section 1035 exchange of an annuity? A) the annuity company's underwriting requirements B) their health status C) the amount of commission paid to the insurance advisor D) the amount of any remaining surrender charges under the original contract 15. When recommending a Section 1035 annuity exchange to a client, an agent needs to be most mindful of A) what the impact might be on beneficiaries B) potential insurance company penalties that might be imposed C) whether the 2-year suicide exchange time period has passed D) the federal, but not the state, consequences of doing so