State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California law (CIC Section 10234.93), before an agent may be authorized to solicit the sale of life insurance with a long-term care rider, the agent must complete:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 10234.93 requires agents who sell long-term care insurance (including LTC riders on life policies) to complete eight hours of initial training before being authorized to solicit. Licensees issued after 1992 must also complete eight hours in each of the first four 12-month periods, and eight hours before each license renewal thereafter. The training covers California requirements, services, and alternatives to LTC insurance.
Why the other options are wrong
- B) Four hours is not the initial LTC training requirement; the statute requires eight hours.
- C) Twenty-four hours is the total continuing education requirement per license period, not the LTC training.
- D) A life license alone does not authorize LTC sales; the eight-hour training requirement applies.
Memory hook
LTC training = 8 hours up front, then every renewal cycle. No training, no soliciting LTC riders.