Under California law, before recommending a long-term care policy, the agent must:
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 10234.95 requires that, before selling a long-term care policy, the agent complete a suitability questionnaire with the applicant. The worksheet gathers information about the applicant's needs, objectives, and financial situation so the agent can verify the policy is suitable and avoid unnecessary or inappropriate sales. The suitability process is part of California's consumer protections for LTC insurance, complementing the good faith duty and the prohibitions on unnecessary replacement, and the completed worksheet supports the suitability determination.
Why the other options are wrong
- B) No affidavit or claim-waiver requirement exists under the law; the suitability worksheet is the mandated pre-sale step. 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。
- C) Suitability is assessed case by case through the worksheet, not by applying an income table that mechanically declines sales above a threshold. 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。
- D) Tying LTC to an annuity purchase would be an improper tie-in and is not required by the suitability rule, which concerns the LTC policy alone. LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。
Memory hook
Before the LTC policy, the worksheet. Suitability paperwork protects the buyer and the agent.