Long-Term Care✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Which sales practice reflects ethical long-term care selling?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Ethical LTC selling matches coverage to the client's goals, health situation, and financial resources — the essence of suitability. Overselling, hiding limitations, and pushing replacement are prohibited because they put the sale ahead of the client. ETH-C.2 anchors the needs-based, client-first ethical standard that governs LTC recommendations.
Why the other options are wrong
- B) Selling maximum coverage to everyone ignores affordability and suitability standards.
- C) Concealing limitations violates the duties of honesty and fair dealing.
- D) Replacement on premium increases alone ignores the material-improvement requirement.
Memory hook
Ethical LTC sale = the right fit for the client's needs and wallet, not the biggest policy.