Long-Term Care✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Before recommending a long-term care policy to a client, an agent should first do which of the following?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Professional competence and client-needs-first are foundational ethical tenets: an agent must know the LTC product thoroughly and understand the client's situation before making a recommendation. Recommending without understanding, or steering by commission, violates the ethical duty to place client interests first. ETH-C.2 anchors this professional-competence expectation for insurance producers.
Why the other options are wrong
- B) A waiver cannot substitute for a suitability-driven sales process.
- C) Commission-driven recommendations put the agent's interest ahead of the client's needs.
- D) Selling coverage without need ignores suitability and the client's ability to pay.
Memory hook
Know the product, know the client, then recommend — competence before commission.