State RegulationsPA specificDifficulty 1/5
A Pennsylvania insurer is preparing to solicit a long-term care insurance sale. Under 40 P.S. § 991.1111 and the Pennsylvania Insurance Department's long-term care disclosure rules (31 Pa. Code 89a.107 and 31 Pa. Code 89a.126), which document must be provided to describe the policy's benefits, exclusions, and terms?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 40 P.S. § 991.1111 requires a standard format outline of coverage for long-term care insurance, and the Pennsylvania Insurance Department's regulations at 31 Pa. Code 89a.107 and 31 Pa. Code 89a.126 govern its content and delivery. The outline of coverage is the consumer's side-by-side summary of benefits, exclusions, and terms, allowing comparison across long-term care policies before purchase. The other documents belong to different product lines or transactions and do not satisfy the long-term care disclosure requirement.
Why the other options are wrong
- B) A surrender comparison index is a life insurance disclosure tool, not the document Pennsylvania requires for long-term care solicitations.
- C) A delivery receipt with a statement of good health belongs to life policy delivery practice; it does not substitute for the outline of coverage.
- D) A workers' compensation coordination form has nothing to do with long-term care solicitation or disclosure.
Memory hook
LTC shopping starts with the outline of coverage — the policy's table of contents.