Before an agent may sell a life insurance policy with a long-term care rider in California, the agent must complete LTC training of:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC §10234.93 requires agents who solicit individual long-term care insurance — including LTC riders on life policies — to complete 8 hours of LTC training in each of the first four 12-month periods from original license issuance, and thereafter 8 hours before each license renewal. The training covers California regulations, LTC services and facilities, tax treatment differences, and inflation protection, and it counts toward the continuing education requirement. There is no one-time 4-hour path, no exemption for life licensees, and no 24-hour pre-sale requirement.
Why the other options are wrong
- B) California requires 8 hours of LTC training in each of the first four 12-month periods and 8 hours before each renewal, not a one-time 4 hours.
- C) Holding a life license does not exempt the agent. CIC §10234.93 applies the training requirement to agents soliciting individual LTC insurance, including LTC riders.
- D) The training is 8 hours per specified period, not 24 hours before every sale.
Memory hook
8 hours of LTC study four years running, then 8 more before each renewal — the price of selling LTC riders.