State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Before an agent may sell a life insurance policy with a long-term care (LTC) rider in California, the agent must first complete:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California law, CIC §10234.93, requires agents who sell LTC insurance or life insurance with LTC riders to complete an initial LTC training course of 8 hours, followed by continuing LTC training of 8 hours each year for the first four years and every two years thereafter from the fifth year on. The training ensures agents understand LTC benefits, triggers, and the differences from other products. A one-hour ethics refresher is part of CE but does not satisfy the LTC training requirement, which is separate.
Why the other options are wrong
- B) The 3-hour ethics requirement is separate CE and does not replace the LTC 8-hour training.
- C) AB 943 removed the line-specific prelicensing courses; the LTC training is a distinct 8-hour initial requirement.
- D) LTC rider sales are explicitly subject to the training requirement; skipping it violates CIC §10234.93.
Memory hook
LTC riders demand 8 hours of training first — every LTC-touching agent in CA pays that price of entry.