Long-Term Care✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A confused senior wants an independent opinion before buying a proposed long-term care policy. What should the agent recommend?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
The correct professional response is to encourage an independent review by HICAP, which provides free, objective counseling and does not sell products. HICAP counselors can help the senior compare policies and understand limitations, which supports a suitability-driven sale. AH-V.1e anchors this HICAP referral role as part of proper LTC marketing conduct.
Why the other options are wrong
- A) Pressuring an immediate purchase contradicts suitability and the consumer's right to independent review.
- B) The claims department handles existing claims, not pre-purchase counseling for applicants.
- C) Buying a second policy invites an unnecessary-replacement problem and does not provide independent advice.
Memory hook
Unsure senior? Send them to HICAP — free advice beats a hurried signature.