Final answer:
It depends on the individual's financial situation and goals.
Step-by-step explanation:
The decision to liquidate assets to invest in variable annuities depends on the individual's financial situation and goals. It is not advisable to liquidate assets to invest in variable annuities in all cases (option a). Similarly, it is not advisable to never liquidate assets to invest in variable annuities (option b). Instead, the decision should be based on factors such as risk tolerance, investment goals, and time horizon.