State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A producer who sells a life insurance policy that includes a long-term care rider must satisfy which requirement?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 10234.93 applies the LTC training requirements to producers who sell long-term care coverage regardless of the policy form, including life policies with LTC riders. The specialized training requirement travels with the LTC benefit, not with the base product. LIFE-III.1g explicitly links the LTC rider to the CIC Section 10234.93 training mandate.
Why the other options are wrong
- B) General life CE does not substitute for the separate LTC training requirement.
- C) Selling insurance requires a license, not a medical provider license.
- D) FINRA registration applies to securities products, not to life policies with LTC riders.
Memory hook
LTC rider = LTC rules: the 8-hour training follows the benefit, not the policy label.