An insured has held a Florida long-term care policy for several years. Because the insured has grown older and their health has deteriorated, the insurer wants to cancel the policy. Under Fla. Stat. 627.9407(3)(a), the insurer:

Why D is correct

Under Fla. Stat. 627.9407(3)(a), a Florida long-term care policy may not be cancelled or nonrenewed solely because of the insured's age or the deterioration of the insured's health. This protects the people most likely to need LTC benefits from losing coverage exactly when they could never replace it elsewhere; cancellation is reserved for other grounds, such as nonpayment of premium.

Why the other options are wrong

• A) Notice does not cure the defect; age or health deterioration alone can never be the statutory basis for cancelling or nonrenewing an LTC policy.
• B) Raising the premium alongside a cancellation does not create a permitted ground when the reason for cancellation itself is prohibited.
• C) Even regulatory approval cannot authorize a cancellation on a ground the statute expressly forbids, such as age or health deterioration.

Memory hook

Older and sicker is never a cancellation reason.