Question: Howard, age 55, received a modest inheritance upon his mother's death. He contributes regularly to his company's 401(k) plan and his own IRA, and he has a fair amount of stock and bond holdings. Howard takes care of himself physically and is in good health. Is Howard a good candidate for long-term care insurance? (Search Chapter 7) a. Yes, because he has a fair amount of assets to protect. b. Yes, because everyone should have long-term care insurance. c. No, because he can afford to pay for his long-term care needs out of pocket. d. No, because his health is good and he probably won't need long-term care.