In selling long-term care insurance in California, the agent owes the applicant a duty to:

Why A is correct

California Insurance Code Section 10234.8 establishes that in LTC insurance sales, the insurer, agent, and others involved owe the applicant a duty of honesty, good faith, and fair dealing. This duty is broader than ordinary sales courtesy: it requires truthful disclosure about policy benefits, limitations, and renewability so the applicant can make an informed decision. Violations can support regulatory action and rescission-related remedies. The duty exists in every LTC transaction, regardless of the applicant's age, and governs the entire sales process.

Why the other options are wrong

• B) Commission maximization is directly contrary to the good faith duty; the applicant's interests come first in an LTC sale. 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。
• C) LTC policies may be sold to eligible applicants of various ages; there is no age-65 floor on sales under the statute. LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。
• D) No agent may guarantee level premiums; LTC rates may be raised class-wide subject to approval, so a premium guarantee would be false. 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。

Memory hook

LTC sales run on good faith and fair dealing. The applicant's understanding is the real product.