An insurance producer suggests to a client, Jim, that he purchase a second Medicare supplement policy in order to provide coverage for all his medical costs. Which of the following best describes this offer?

a. Advisable, since growing medical costs quickly deplete the means of people on fixed incomes

b. Advisable since current medical expenses can never be covered by Medicare and one supplement alone

c. A matter of judgment, since the client currently has several levels of coverage for health care costs

d. Illegal, since the sale of a supplement that provides the client with more than one Medicare supplement is prohibited by law

Answer: d. Illegal, since the sale of a supplement that provides the client with more than one Medicare supplement is prohibited by law