State RegulationsMI specificDifficulty 1/5
Before an insurance producer may solicit long-term care insurance in Michigan, what LTC-specific training must the producer have completed?
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 B is correct
M.C.L. 500.1204f, enforced through DIFS continuing-education requirements, requires a producer to complete a one-time 8-hour initial LTC training course plus 4 hours of LTC training in every 2-year CE period before soliciting long-term care insurance. Training completed in another state may satisfy Michigan's requirement. Soliciting LTC coverage without the training exposes the producer to regulatory action, so the requirement is a practical precondition to every LTC sale.
Why the other options are wrong
- A) The 4-hour figure is the recurring CE component; the initial course must be 8 hours and the 4-hour requirement repeats each 2-year period.
- C) The 24-hour figure reflects the general CE total per 2-year period, not an annual LTC-specific mandate.
- D) Passing the license examination does not substitute for the statutorily required LTC training under M.C.L. 500.1204f.
Memory hook
LTC training: 8 to start, 4 to keep — every 2-year cycle.