Before soliciting a life insurance policy with a long-term care (LTC) rider in California, a resident agent must first:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC §10234.93 requires agents authorized to solicit individual long-term care insurance, including life insurance policies with LTC riders, to complete specified LTC training before soliciting. For licensees issued a license after January 1, 1992, this is eight hours of training in each of the first four annual periods and eight hours before each license renewal thereafter. The training counts toward the continuing education requirement but may result in completing more than the minimum hours. Soliciting without completing the training is a compliance violation that can expose the agent to discipline.
Why the other options are wrong
- B) No nursing license is required to sell LTC coverage or LTC riders; the requirement is educational and regulatory. The training requirement is a licensing condition, not a medical credential.
- C) There is no medical examination for the agent; the LTC training is a course requirement, not a health screening. The agent's own health is irrelevant to selling authority. The course, not a physical exam, qualifies the agent.
- D) The standard ethics course does not satisfy the dedicated LTC training requirement under §10234.93. The statute imposes its own initial and renewal training hours. The dedicated hours are separate from the general ethics requirement.
Memory hook
LTC training first: 8 hours before you pitch a life policy with a care rider.