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Life and Health Insurance Producer Exam

Long-term care (OH): practice questions

Our Life & Health Insurance bank has 4 questions on this topic. Here are 4 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Ohio

Before selling long-term care insurance in Ohio, what training must an agent complete, and what is the ongoing requirement?

  1. An initial eight-hour partnership course, then four CE hours each renewal period
  2. An insurer product course only, repeated every renewal period
  3. An initial four-hour course, then two CE hours each year
  4. A sixteen-hour course completed once, with no further long-term care requirement afterward
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A. An initial eight-hour partnership course, then four CE hours each renewal period — R.C. 3923.443(A) (as amended by H.B. 96, 136th G.A., eff. 2025-09-30).

Question 2 · Ohio

If an Ohio long-term care policy conditions noninstitutional benefits on prior institutional care, what is the most it may require?

  1. A prior institutional stay of at least ninety days
  2. A prior skilled nursing stay of no more than sixty days
  3. An institutional stay of no more than thirty days
  4. A prior hospital stay of at least ten days
Show the answer

C. An institutional stay of no more than thirty days — R.C. 3923.44(E)(2)(a).

Question 3 · Ohio

How long does an Ohio long-term care insured have to return the policy and have the premium refunded?

  1. Twenty-one days from the effective date
  2. Sixty days from the first premium due date
  3. Thirty days from delivery
  4. Ten days from delivery
Show the answer

C. Thirty days from delivery — R.C. 3923.44(H)(1).

Question 4 · Ohio

An Ohio long-term care policy has been in force for three years. On what basis may the insurer rescind it for misrepresentation?

  1. None; the policy is fully incontestable after two years
  2. Only a knowing and intentional misrepresentation about the insured's health
  3. Any material misrepresentation in the application
  4. Any misstatement related to the condition for which benefits are claimed
Show the answer

B. Only a knowing and intentional misrepresentation about the insured's health — R.C. 3923.441(A)(3).

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