I certify that as the agent enrolled in this continuing education course, I will complete the final exam by myself without any assistance from anyone else.   

I understand that failure to comply with this requirement may result in loss of continuing education credits, and possible administrative sanctions by the Florida Department of Financial Services.

Which of the following is NOT an ADL?

An insured needs assistance with bathing and dressing, as well as help with light housework and laundry, but is not in need of round-the-clock assistance.  What level of care does this insured need?

Carla gives $30,000 to each of her three children.  One year later, Carla applies to Medicaid for assistance in paying for nursing home care.  The state’s average nursing home costs are $4,500 per month.  Assuming Carla qualifies for Medicaid, Medicaid will pay Carla’s long-term care costs: 

All state partnership LTC policies must be

Agents soliciting LTC policies must complete:

Which federal law clarified the tax-status of private LTC policies?

A partnership LTC policy will “shield” the insured from:

Which of the following applicants must include “automatic inflation protection” as part of his or her LTC Partnership policy?

Which of the following provisions is the main difference between partnership qualified (PQ) LTC policies and non-PQ policies?

Abby Normal purchased a long-term care policy twenty years ago when she was 56.  Today, she wishes to have the asset protection afforded by her state’s LTC partnership program. Which of the following courses of action will NOT provide Abby with that protection?

In order to enjoy the benefits of a partnership qualified LTC policy, all of the following are required EXCEPT:

All of the following are ways to obtain cash from the insurer of a life insurance policy EXCEPT:

In most LTC policies, benefits will be payable when:

When issuing an individual LTC policy, the insurer may require which of the following from the applicant?

Which of the following policy features will have the largest impact on the premium the LTC policyholder pays?

Which inflation protection provision will result in the lowest premium cost to the policyholder?

A free look provision on a long-term care policy must be at least

What is the minimum benefit period allowable under a NAIC Model Act policy?

Which of the following properly lists levels of care from most to least intensive?

Joann has been caring for her aged parents and has become exhausted.  Her physician recommends that she take a break from caregiving. What type of care is most appropriate?

All of the following are true regarding tax treatment of LTC policies EXCEPT:

Approved nursing home expenses will be paid by Medicare:

Which of the following is NOT a required disclosure when selling LTC policies?

Post-claims underwriting is:

All of the following are customer protections afforded by the NAIC Model legislation on LTC policies EXCEPT

Your client has the option of selecting a “service day” or “calendar day” methods to count the elimination period.  Which method will result in a higher premium?

The expense-incurred model of benefit payments is another name for the:

The most commonly issued LTC policies cover:

The 90-day certification period:

Assisted living facilities provide all of the following EXCEPT:

An agent has an ethical duty to inform prospects of which of the following?

What documents should an agent retain as evidence of his or her ethical conduct?

Prospects with low incomes and few assets should:

Which of the following is typically NOT a factor to consider when recommending replacement of an existing LTC policy?

All of the following are true regarding a personal residence in Medicaid eligibility rules EXCEPT:

In most states, Medicaid allows a long-term benefit applicant who is unmarried to retain countable assets totaling: