State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
Before selling life insurance policies with long-term care riders in California, an agent must complete an initial LTC training program of:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 10234.93 requires an agent selling long-term care insurance — including LTC riders attached to life insurance policies — to complete an initial training program of at least 8 hours. Thereafter, 8 hours are required annually for the first four years, and beginning with the fifth year, every two years. This LTC training does not add to the total continuing education hours otherwise required for license renewal.
Why the other options are wrong
- B) Four hours is the biennial annuity training requirement under Section 1749.8, not the LTC training standard.
- C) Twelve hours is the pre-license ethics and California Insurance Code course required before licensure.
- D) Twenty-four hours is the general continuing education requirement for a two-year license cycle, not the LTC training program.
Memory hook
LTC training = 8 hours to start, 8 annually for 4 years, then every 2 years. The 8-hour drumbeat never stops.