Under CIC Section 10234.93, the long-term care training requirement for California agents who sell LTC insurance is:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 10234.93 requires California agents to complete 8 hours of initial long-term care training before selling LTC policies, followed by 8 hours each year for the first four years, and 8 hours every two years from the fifth year onward. The pattern ensures ongoing familiarity with a complex, changing product and with the suitability rules that protect elderly buyers. Agents who do not maintain the training are not considered current and may not sell LTC coverage. The training covers policy features, suitability standards, and the needs of elderly and disabled applicants.
Why the other options are wrong
- B) Four hours is not the statutory standard; the initial requirement is 8 hours, and continuing education is mandatory. Agents who fail to meet the requirements cannot sell LTC coverage until they are current.
- C) The continuing requirement is 8 hours per year in years one through four, not 24 hours every two years. The statutory scheme requires 8 initial hours plus ongoing continuing training at the stated intervals.
- D) LTC has a specific statutory training requirement; there is no exemption from training for LTC sales. The first four years require annual 8-hour courses, not a single biennial 24-hour block.
Memory hook
LTC training: 8 to start, 8 a year for four years, then 8 every other year. The 8-hour heartbeat never stops.