State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Before a California agent may sell a long-term care rider attached to a life insurance policy, the agent must first:
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
California Insurance Code Section 10234.93 requires agents who sell long-term care insurance or riders to complete prescribed LTC training, an initial 8 hours before selling, additional hours in each of the first four renewal years, and then every two years thereafter. This training requirement applies whether the LTC benefit is a stand-alone policy or a rider on a life insurance policy.
Why the other options are wrong
- B) The L&H license authorizes the sale; no separate life license is needed because the agent already holds one to sell the underlying policy.
- C) California's prelicensing requirement is the 12-hour ethics and insurance code course (AB 943); the 8-hour LTC training is the specific LTC requirement, not a 40-hour course.
- D) No per-sale approval by the Commissioner is required; the requirement is completing the training.
Memory hook
LTC rider for sale? 8 hours of training first, then sell, and keep renewing those hours.