State RegulationsOH specificDifficulty 1/5
An Ohio producer wants to begin selling long-term care insurance. What initial training must the producer complete before selling, soliciting, or negotiating LTC coverage?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under the Ohio Department of Insurance specialty training requirements and the marketing framework of OAC 3901-4-01, a producer must complete an initial 8-hour state-approved LTC course before selling, soliciting, or negotiating long-term care insurance, followed by a 4-hour LTC course every renewal period thereafter. These courses also count toward the producer's continuing education requirement.
Why the other options are wrong
- A) The 4-hour course is the ongoing per-renewal requirement, not a substitute for the initial 8-hour LTC course.
- B) The 20-hour figure describes prelicensing education for a major line; the annuity best-interest course is 4 hours and does not cover LTC.
- D) Ohio requires specific LTC training before any LTC sale; an advertising review is not a training substitute.
Memory hook
LTC ladder: 8 hours to start, 4 hours every renewal to keep going.