Course Description

4 Hrs Ongoing Long-Term Care Insurance Partnership Training – Illinois

Approved by the Illinois Department of Insurance | Approved Provider #500032058 | Approved Course #6000206230 ✅
Only $19.99 | No added or extra fees | Instant Certificate | 100% Online & Self-Paced
Important: We do not charge the $4.00 state reporting fee separately at checkout — it’s included. ✅

Stay eligible to sell and service Qualified Long-Term Care (LTC) Partnership policies in Illinois with this state-approved 4-hour ongoing training course. It’s built for real producer workflows—so you can keep your Partnership knowledge current, strengthen suitability documentation, and reduce complaints and E&O risk when working with seniors and long-term care planning conversations.

This course is 100% online and self-paced. Log in and out anytime without losing your place. When you finish, you’ll receive an instant certificate of completion, and we report your credits within 24 hours of course completion. Backed by a money-back guarantee and friendly phone/text support at 1-800-698-2770.

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✅ Who Should Take This Course?

✅ Illinois Life/Health producers who sell, solicit, negotiate, or service Long-Term Care Partnership policies
✅ Producers who already completed the initial LTC Partnership training and need the ongoing 4-hour requirement for the current cycle
✅ Agents who want stronger best-interest habits for senior suitability, replacements, and audit-ready documentation
✅ Producers who want clearer, compliant ways to explain Partnership benefits and Medicaid asset disregard

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✅ Illinois Insurance CE & Renewal Requirements (What to Know)

✅ Renewal cycle: Illinois producer licenses typically renew every 2 years.
✅ Total CE required: Illinois resident producers commonly need 24 total CE hours per biennial renewal period.
✅ Ethics requirement: Illinois commonly requires 3 hours of Ethics within the 24 hours, and Ethics often has a specific approved delivery format (separate from self-paced courses).
✅ Timing: Finish your CE early so credits post well before your renewal deadline.

Illinois LTC Partnership Training Requirement

✅ Producers who sell Qualified LTC Partnership policies generally must complete initial LTC Partnership training before selling, and ongoing training each renewal cycle to continue selling these policies.
✅ This course is designed to satisfy the ongoing 4-hour LTC Partnership training requirement.

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✅ How to Renew Your Illinois Insurance License (Step-by-Step)

✅ Step 1: Confirm your renewal deadline
Check your Illinois license record for your biennial expiration/renewal date.

✅ Step 2: Plan your CE hours for the cycle
Complete your 24 total hours for renewal, including any required Ethics hours and line-specific education you may need.

✅ Step 3: Complete your LTC Partnership ongoing training (if applicable)
Take this 4-hour ongoing Partnership course during your renewal cycle to stay eligible to sell Partnership policies.

✅ Step 4: Download your instant certificate ✅
Your certificate is available immediately after course completion.

✅ Step 5: Credits reported within 24 hours ✅
We report your completion promptly after you finish.

✅ Step 6: Renew your license on time
Submit your renewal once your CE is complete and posted to avoid delays or a lapse.

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✅ Topics Covered in This Course (4 Hours)

Hour 1: Regulatory & Market Updates for LTC Partnership Policies (50 minutes)

✅ Recent changes affecting Partnership qualification, producer training, and consumer disclosures
✅ Carrier filings, product launches, and market exits impacting availability and pricing
✅ Age-based inflation protection standards and how changes affect Partnership status
✅ Underwriting trends (cognitive screens, Rx checks) and suitability implications
✅ Medicaid eligibility, asset-disregard reciprocity, and estate recovery updates relevant to claims
✅ “What changed this year” checklist for client reviews and documentation

Hour 2: Ethics, Suitability, and Best-Interest Refresher for Senior Clients (50 minutes)

✅ Best-interest duties: aligning benefit design, premiums, and client objectives with strong documentation
✅ Suitability analysis refresh: income, assets, health, existing coverage, and caregiving dynamics
✅ Replacement scenarios: preserving Partnership status, avoiding benefit loss, and explaining trade-offs clearly
✅ Elder-abuse prevention: red flags, third-party influence, and appropriate escalation steps
✅ Ethical illustrations and projections: ranges, assumptions, and avoiding misleading comparisons
✅ Updated ethics toolkit: compliant advertising, transparent compensation, and plain-language summaries

Hour 3: Advanced Product Mechanics—Inflation, Rate Actions, Hybrids, and Claims (50 minutes)

✅ Inflation options (simple, compound, CPI-linked) and how each affects compliance and affordability
✅ Premium rate actions: triggers, oversight, and client choices (benefit reduction, nonforfeiture)
✅ Hybrid life/LTC and annuity/LTC structures, tax implications, and when they fit vs. stand-alone LTC
✅ Coordinating with Medicare and other coverages (custodial vs. skilled care expectations)
✅ Claims workflow: benefit triggers, plans of care, recertifications, and Medicaid coordination basics
✅ Mid-policy tune-ups: riders, shared-care reallocations, and design adjustments to sustain eligibility

Hour 4: Case Studies, Documentation Mastery, and Client Review Cadence (50 minutes)

✅ Case studies with written rationales (healthy couple, single caregiver, late-age applicant)
✅ Annual review process: inflation requirements, affordability, forms, and contact preferences
✅ Replacement and 1035 exchange file prep: comparisons, disclosures, and attestations that hold up to review
✅ Client-ready artifacts: needs analysis summary, side-by-side plan matrix, Partnership explanation
✅ Building a compliance record: retention timelines, secure storage, and audit-friendly indexing
✅ Action plan: follow-up schedule, referral triggers, and reminders for the next refresher cycle

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✅ Why Choose 1st Choice CE?

✅ Illinois Department of Insurance approved (Provider #500032058 | Course #6000206230)
✅ Only $19.99 — no added or extra fees
✅ We do not charge the $4.00 state reporting fee separately (included) ✅
✅ 100% online and mobile-friendly
✅ Self-paced access — log in/out anytime without losing progress
✅ Instant certificate of completion
✅ Credits reported within 24 hours
✅ Money-back guarantee
✅ Over 10 years of trusted CE service
✅ Support by phone or text: 1-800-698-2770

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✅ Need More Illinois CE Hours?

✅ 3-Hour Flood Insurance (NFIP) – Illinois
✅ 3 Hour Ethics for Insurance Agents – Illinois
✅ 4-Hour Annuity Best Interest/Suitability – Illinois

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Enroll Now – Just $19.99 ✅

Course Details

• Approved by the Illinois Department of Insurance
• Approved Provider #500032058
• Approved Course #6000206230
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.