California Insurance License Exam Practice Test Practice Question
During the solicitation of a long term care insurance rider, a life agent must consider all of the following EXCEPT the applicant's
Correct Answer: B
Rationale: When soliciting a long-term care insurance rider, understanding the applicant's goals and needs (A), ability to pay for the coverage (C), and any existing long-term care coverage (D) are essential for tailoring the policy effectively. These factors ensure that the coverage aligns with the applicant's financial situation and healthcare requirements. However, the attending physician statement (B) is not a consideration during the solicitation phase; it typically comes into play during the underwriting process, making it less relevant at this stage.
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