Course Description

4-Hour Long-Term Care Insurance Partnership Training – North Carolina

✅ Approved by North Carolina Department of Insurance (NCDOI)
✅ Price: $21.99 — No added or extra fees ($8.00 State filing fee included)
✅ Provider: #10033461
✅ Course ID: Course ID #222483

This 100% online, self-paced course is designed for North Carolina insurance producers who need the ongoing 4-hour Long-Term Care Partnership (LTCP) training for the current biennial compliance period. You can log in and out anytime without losing your place, finish on your schedule, and receive an instant certificate of completion. We report your credits to the state within 24 hours of completion, and your purchase is backed by our money-back guarantee.

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Who Should Take This Course?

✅ North Carolina producers who sell, solicit, or negotiate Long-Term Care Partnership (LTCP) policies
✅ Producers who hold (or are pursuing) the Accident & Health/Sickness line and the Medicare Supplement/Long-Term Care limited lines license and need the biennial 4-hour LTCP training
✅ Producers who want a clean, up-to-date refresher on Partnership rules, suitability, ethics, inflation options, rate actions, and claims coordination

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North Carolina CE & Renewal — What to Know

North Carolina resident producers generally complete 24 total CE credit hours every biennial compliance period (every 2 years). Your CE is due by the last day of your birth month in your compliance year (based on whether your birth year is odd or even).

Within the 24-hour total, ethics is required: you must complete 3 hours of ethics each compliance period. If you hold certain lines (such as property/personal lines/adjuster authority), a flood requirement may also apply in some compliance periods.

For Long-Term Care Partnership specifically, North Carolina requires eligible producers who sell LTCP policies to complete ongoing LTCP training every biennial compliance period. This course is built to help you satisfy that ongoing requirement while also earning credit toward your broader North Carolina CE total (when approved/credited under the state’s CE rules).

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How to Renew Your North Carolina Insurance License (Step-by-Step)

1. ✅ Confirm your compliance deadline (last day of your birth month in your compliance year).

2. ✅ Confirm your CE total (most resident producers: 24 hours per biennial period) and any required topics (ethics; flood if applicable to your lines).

3. ✅ Complete this 4-hour LTCP course online on your schedule.

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

5. ✅ We report your credits within 24 hours (so they post to your CE record fast).

6. ✅ Verify your CE status is complete before your deadline.

7. ✅ Renew your license through your normal renewal process once your CE requirement is satisfied.

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What You’ll Learn — Course Outline

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

✅ Recent state and federal updates affecting Partnership qualification, disclosures, and producer responsibilities
✅ Carrier activity: filings, product changes, launches, and market exits impacting availability and pricing
✅ Inflation protection standards and how changes affect ongoing Partnership status
✅ Underwriting trends (cognitive screening, Rx checks) and suitability implications
✅ Medicaid eligibility updates, reciprocity considerations, and estate recovery basics relevant to claims
✅ A practical “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 decision-making tied to benefit design, premiums, client goals, and documentation quality
✅ Suitability review: income, assets, health, existing coverage, and caregiving realities
✅ Replacements done right: preserving Partnership status, avoiding benefit loss, and communicating trade-offs
✅ Elder-abuse awareness: red flags, third-party influence, and proper escalation
✅ Presenting illustrations and projections accurately: assumptions, ranges, and compliant comparisons
✅ Ethics toolkit refresh: advertising, transparent compensation/fees, and plain-language summaries

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

✅ Comparing inflation options (simple, compound, CPI-linked) and how each affects compliance and affordability
✅ Premium rate actions: common triggers, oversight basics, and client choices (reductions, nonforfeiture)
✅ Hybrid life/LTC and annuity/LTC basics: structures, common use-cases, and trade-offs
✅ Coordinating LTC with Medicare and other coverage (custodial vs. skilled care expectations)
✅ Claims workflow: triggers, plans of care, recertifications, and coordination with Medicaid rules
✅ Mid-policy tune-ups: riders, shared-care adjustments, and design changes that support eligibility

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

✅ Best-interest case studies with written rationales (couples, caregivers, later-age applicants)
✅ How to run an annual review: inflation requirements, affordability, authorizations, and preferences
✅ Replacement/1035 documentation that holds up under scrutiny: comparisons, disclosures, attestations
✅ Client-ready deliverables: needs summaries, side-by-side plan matrix, asset-disregard explanation
✅ Building a clean compliance record: retention timelines, secure storage, audit-friendly indexing
✅ Action plan for the next cycle: follow-ups, referral triggers, and reminders for future refreshers

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Why Choose 1st Choice CE?

✅ 100% online and self-paced (start/stop anytime)
✅ Instant certificate of completion
✅ Credits reported to the state within 24 hours of completion
✅ Money-back guarantee
✅ Trusted provider for 10+ years
✅ Support by call or text: 1-800-698-2770

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Need More North Carolina CE Hours?

✅ https://1stchoice-ce.com/courses/checkout/north+carolina/3-hr-insurance-ethics

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FAQ

1) Is this course approved by the North Carolina Department of Insurance (NCDOI)?
Yes. ✅ Approved by NCDOI. Provider #10033461, Course ID #222483.

2) How many hours is this course?
This is a 4-hour course (built in four 50-minute instructional hours).

3) Who is this course for?
North Carolina insurance producers who need the ongoing 4-hour Long-Term Care Partnership training for the current compliance period.

4) Is this the initial 8-hour LTC Partnership course?
No. This is the ongoing 4-hour training. If you need the initial 8-hour requirement, you’ll want the state-approved initial LTCP course.

5) Do I get a certificate right away?
Yes. You’ll receive an instant certificate of completion as soon as you finish.

6) Can I log in and out without losing my place?
Yes. Your progress is saved so you can complete the course in multiple sessions.

7) How fast do you report my credits?
We report credits to the state within 24 hours of course completion.

8) Are there extra fees at checkout?
No. The price is $21.99 with no added/extra fees.

9) What if I need help during the course?
Call or text support at 1-800-698-2770.

10) Does this course count toward my North Carolina CE total?
When the course is approved/credited under North Carolina’s CE rules, it can count toward your biennial CE total while also satisfying the LTCP ongoing training requirement.

11) What if I’m close to my renewal deadline?
Finish the course online, download your certificate immediately, and we’ll report your credit within 24 hours so it posts quickly.

12) What’s your refund policy?
We offer a money-back guarantee. If you run into an issue, contact support at 1-800-698-2770 and we’ll help.

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Enroll Now – $21.99 ✅

Course Details

• Approved by North Carolina Department of Insurance
• Approved Provider #10033461
• Approved Course #222483
• 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.