Course Description

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

Approved by the Missouri Department of Commerce and Insurance | Provider #48205 | Course ID: 17011226 ✅
Only $15.99 | Instant Certificate | 100% Online & Self-Paced | No Added Fees ✅
Important: We do not charge Missouri’s $1.00 per CE hour SBS reporting fee separately (a $4.00 value for this 4-hour course). It’s included in the $15.99 price.

Stay eligible to sell Qualified Long-Term Care (LTC) Partnership policies in Missouri with this state-approved 4-hour ongoing training course. Built for working producers, the course focuses on real-world compliance and documentation—not fluff—so you can confidently explain Partnership rules, protect seniors and vulnerable clients, and reduce complaints and E&O exposure.

✅ Log in and out anytime without losing your place
✅ Instant certificate of completion
✅ Credits reported within 24 hours of completion
✅ Money-back guarantee
✅ Call/text support: 1-800-698-2770
✅ Trusted CE provider with 10+ years of experience

---

✅ Who Should Take This Course?

✅ Missouri producers who sell, solicit, negotiate, or service Qualified LTC Partnership policies
✅ Producers who already completed the initial 8-hour Partnership training and now need the ongoing 4-hour requirement for the current renewal period
✅ Life & Health agents who want stronger best-interest habits for senior suitability, replacements, and file documentation

---

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

✅ Standard CE requirement (resident producers): 16 total CE hours each 2-year renewal period for major lines, including at least 3 hours of insurance ethics. 
✅ Renewal schedule: Missouri producer licenses renew biennially on your birth date. 
✅ Renewal window: The renewal period typically opens 90 days before your license expiration date and closes on the expiration date. 

Missouri LTC Partnership Training Requirement

✅ Before selling a Qualified LTC Partnership policy, producers must complete 8 hours of initial training. 
✅ After that, producers must complete 4 hours of ongoing training during each two-year renewal period to continue selling Partnership policies after renewal. 

---

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

✅ Step 1: Confirm your renewal deadline (birthday-based)
Your renewal is due on your birth date every two years. 

✅ Step 2: Complete your required CE hours
Finish 16 total hours, including 3 ethics hours, before you renew. 

✅ Step 3: Complete your LTC Partnership ongoing training (if you sell Partnership policies)
Take this 4-hour ongoing course during the renewal period to stay compliant to sell Qualified LTC Partnership policies after renewal. 

✅ Step 4: Receive your instant certificate
Download your certificate immediately after completion for your records.

✅ Step 5: We report your credits within 24 hours
Your completion is reported promptly so your transcript updates.

✅ Step 6: Submit your renewal within the renewal window
Renew during the renewal period (generally starting 90 days before expiration) to avoid lapse issues. 

---

✅ Topics Covered in This Course (4 Hours)

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

✅ Recent state/federal changes affecting Partnership qualification, training, and disclosures
✅ Carrier filings, product launches, and market exits affecting availability and pricing
✅ Inflation protection standards and how updates impact 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 alignment: benefit design, premiums, objectives, and documentation quality
✅ Suitability refresh: income, assets, health, existing coverage, caregiving dynamics
✅ Replacements: preserving Partnership status, avoiding benefit loss, communicating trade-offs
✅ Elder-abuse prevention: red flags, third-party influence, escalation steps
✅ Ethical illustrations: ranges, assumptions, and avoiding misleading comparisons
✅ Practical ethics toolkit: compliant advertising and clear, plain-language summaries

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

✅ Inflation options (simple, compound, CPI-linked) and effects on compliance/affordability
✅ Premium rate actions: triggers, oversight, and client choices (benefit reduction, nonforfeiture)
✅ Hybrid life/LTC and annuity/LTC structures and when they fit vs. stand-alone LTC
✅ Coordinating with Medicare and setting realistic expectations for custodial vs. skilled care
✅ Claims workflow: benefit triggers, plans of care, recertifications, Medicaid coordination
✅ Mid-policy tune-ups: riders, shared-care reallocations, and design adjustments

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

✅ Case-based best-interest documentation (multiple client profiles with written rationales)
✅ Annual review process: inflation requirements, affordability, forms, contact preferences
✅ Replacement and 1035 exchange files: comparisons, disclosures, attestations
✅ Client-ready artifacts: needs-analysis summary, plan matrix, Partnership explanation
✅ Compliance record building: retention timelines, secure storage, audit indexing
✅ Action plan: follow-up schedule, referral triggers, and reminders for the next refresher cycle

---

✅ Why Choose 1st Choice CE?

✅ Missouri-approved course (Provider #48205 | Course ID: 17011226)
✅ Only $15.99 — no added or extra fees
✅ $1/hour SBS reporting fee is included (we don’t charge it separately)
✅ 100% online and mobile-friendly
✅ Self-paced: 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

---

✅ Need More Missouri CE Hours?

✅ 4-Hour Annuity Best Interest/Suitability – Missouri

Course Details

• Approved by the Missouri Department of Commerce and Insurance
• Approved Provider #48205
• Approved Course #17011226
• 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.