Under California law (CIC Section 10234.93), before an agent may sell a life insurance policy with a long-term care rider, the agent must complete:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 10234.93 requires 8 hours of initial long-term care training before an agent sells long-term care insurance or policies with LTC riders, plus 8 hours annually for the first 4 years and every 2 years starting in the 5th year. The training is a California-specific requirement that applies to all LTC products, including riders attached to life policies. For resident licensees, the training does count toward the general continuing education requirement, though it may result in completing more than the minimum CE hours. An agent who sells LTC riders without the training is in violation of California insurance law. This requirement protects elderly consumers from inappropriate LTC sales.
Why the other options are wrong
- Two hours of general continuing education does not satisfy the 8-hour LTC training requirement, which is separate and specific.
- Holding a life insurance license does not exempt the agent from the LTC training requirement.
- No securities license is required to sell LTC riders; the applicable requirement is the California LTC training.
Memory hook
LTC sales in California start with 8 hours of training, and the clock keeps ticking: every year, then every two.