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

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✅ 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

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✅ 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. 

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✅ 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. 

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✅ 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

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✅ 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

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Related Courses / Other Courses You May Need

Cover the rest of your Missouri insurance CE with our other Missouri courses:

• 3 Hour Ethics for Insurance Agents - Missouri

• 3-Hour Flood Insurance (NFIP) CE Course - Missouri

• 4-Hour Annuity Best Interest/Suitability CE Course - Missouri

Support When You Need It

✅ Have a question about Missouri LTC training, the Missouri Department of Commerce and Insurance, or this course? Call or text us at 1-800-698-2770.

We also speak Spanish.

Enroll Now

✅ Enroll in the 4 Hrs Ongoing Long-Term Care Insurance Partnership Training course for Missouri for $15.99 and complete your ongoing LTC CE today.

Frequently Asked Questions

Is this course approved in Missouri?

Yes. It is approved by the Missouri Department of Commerce and Insurance under Provider #48205 and Course ID 17011226.

Does this course satisfy Missouri's ongoing LTC Partnership training requirement?

Yes. Missouri producers must complete 4 hours of ongoing LTC training during each 2-year renewal period after their initial 8-hour LTC Partnership training. This course is built for that 4-hour ongoing requirement.

Do I also need an initial LTC training?

Yes. Before selling a Qualified LTC Partnership policy, Missouri producers must complete 8 hours of initial LTC training. This course covers the ongoing 4-hour requirement, not the initial 8-hour requirement.

How many CE hours does this course provide?

4 credit hours.

How much does the course cost?

$15.99 - the Missouri $1.00 per credit-hour SBS reporting fee (a total of $4.00) is already included.

Is the course 100% online?

Yes. The course is 100% online and self-paced.

When will I get my certificate?

You can download your instant certificate of completion the moment you finish.

Do you report my hours to the Department?

Yes. We report your hours to the Missouri Department of Commerce and Insurance within 24 hours of completion.

Who should take this course?

Missouri producers who sell, solicit, negotiate, or service Qualified LTC Partnership policies, including Life and Health agents.

What does the course cover?

Regulatory and market updates for LTC Partnership policies; ethics, suitability, and best-interest refresher for senior clients; advanced product mechanics (inflation, rate actions, hybrids, claims); and case studies, documentation, and client review cadence.

Is there a money-back guarantee?

Yes. The course is backed by a money-back guarantee.

What if I need help during the course?

Call or text us at 1-800-698-2770 and a team member will help. Spanish speakers welcome.

 

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.