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Lori Gubash, with 25 years of LTCI experience, will lead this session, which is Part 2 of the Long Term Care Insurance Update, advances into the specifics of LTC insurance policies and ethical considerations in sales. This segment examines current LTC insurance policy designs, differentiating between comprehensive and non-comprehensive coverage, and explaining benefit triggers. Key features such as benefit periods, elimination periods, inflation protection, and more nuanced options like free look periods and nonforfeiture options are covered. The session also addresses group LTC insurance, LTC Partnership programs, and alternative funding methods like reverse mortgages. The final segment emphasizes ethical sales practices, the underwriting process, and determining client suitability for LTC insurance.

Note: This program is approved for four state insurance CE credits in the following statesAL, AR, AZ, DE, GA, IA, IL, KS, LA, MA, MD, ME, MO, MS, MT, NC, ND, NE, NH, NV, OR, PA, SC, TN, TX, VA, WA, WI, WV

Additional State Info: GA, LA, MD, MO, MS, NE, NV, RI, VA approved for life and health lines only

Subscribers will pay $9.95 per credit for Insurance CE, Non-Subscribers will pay $14.95 per credit for Insurance CE 

The program has been submitted for approval with credits for the CFP and American College designations. 

Learning objectives for Part 2 include:

  • developing an understanding of modern LTC insurance policy designs and features,
  • learning about alternative LTC funding methods and LTC Partnership programs,
  • enhancing ethical sales practices and client suitability assessment skills.


*CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit. 

Field of Study: Specialized Knowledge

Prerequisites: There are no prerequisites for this session.

Advanced Preparation: None

Program Level: Basic

Delivery Method: Group Internet Based

NASBA Approved

Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:

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