Question: Regarding suitability standards in LTC insurance, which statement is accurate under California law? A. Insurers can ignore the applicant's financial situation as long as they

Regarding suitability standards in LTC insurance, which statement is accurate under California law? A. Insurers can ignore the applicant's financial situation as long as they meet health criteria. B. Agents must ensure the policy meets the applicant's financial and personal needs, known as "suitability." C. Suitability standards are optional if the policy is sold to an affluent client. D. Agents may not discuss the applicant's existing insurance coverage during the LTC sale

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