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Life and Health Insurance Producer Exam

Long-term care (CA): practice questions

Our Life & Health Insurance bank has 3 questions on this topic. Here are 3 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · California

How much long-term care training does a newly licensed California agent need in each of the first four years after the initial course?

  1. 24 hours each year
  2. 8 hours each year
  3. None after the initial course
  4. 1 hour each year
Show the answer

B. 8 hours each year — After that, 8 hours every two-year term.

Question 2 · California

What must California insurers do to make sure long-term care insurance isn't oversold?

  1. Pay agents higher commissions
  2. Sell only through banks
  3. Set marketing procedures to prevent excessive insurance and make agents' comparisons fair and accurate
  4. Nothing; it's the buyer's responsibility
Show the answer

C. Set marketing procedures to prevent excessive insurance and make agents' comparisons fair and accurate — They must also report which agents are authorized to sell LTC.

Question 3 · California

What extra training must a California agent complete before selling long-term care insurance?

  1. 8 hours of long-term care training, plus more at each renewal
  2. No extra training, because the life license already covers it
  3. A separate federal long-term care license
  4. A college course in gerontology
Show the answer

A. 8 hours of long-term care training, plus more at each renewal — LTC training is in addition to regular CE.

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