A young client with a high tolerance for risk indicates he wants to make periodic investments in a growth vehicle for retirement. When you start to discuss the option of a variable annuity, your client seems far more interested in hearing about the surrender or withdrawal options than with the product$$s earning potential or benefits. Identify the red flag in this scenario.

$($Search Chapter $2)$

a$.$ The customer is more interested in the surrender or withdrawal options than in the product$$s performance or benefits.

b$.$ The product is inconsistent with the client$$s stated goals.

c$.$ The client has a high tolerance for risk.

d$.$ The client is interested in a growth vehicle for retirement at a young age.