Long-Term Care✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Long-term care coverage can be purchased in which of the following forms?
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
Long-term care coverage is available as a standalone individual or group policy and also as a rider or endorsement attached to a life insurance or annuity policy. The rider form lets clients fund LTC needs while retaining life insurance or annuity structure. LIFE-III.1g covers the LTC rider as a distinct coverage form, and AH-V.1f lists life/annuity riders among the LTC distribution forms.
Why the other options are wrong
- B) Standalone A&H policies are one option, but riders on life and annuity policies are also valid forms.
- C) HMOs are managed-care medical plans, not a vehicle for issuing LTC coverage.
- D) Medicare Part D is drug coverage and has nothing to do with issuing LTC policies.
Memory hook
LTC comes three ways: individual, group, or a rider bolted onto life or annuity coverage.