Course Description

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

Approved by the Texas Department of Insurance (TDI) | Provider #233452 | Course ID #145609 ✅
Only $19.99 — No added or extra fees (the $5.20 TDI filing fee is already included)

Stay compliant with Texas’ Ongoing Long-Term Care (LTC) Partnership requirement in a fast, affordable, and fully online format. This 100% self-paced course lets you log in and out anytime, finish on your schedule, and download an instant certificate when you’re done. We report your credits to TDI within 24 hours. With 10+ years serving thousands of licensees, 1st Choice CE keeps renewal simple and transparent. Support by call or text: 1-800-698-2770.

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Who Should Take This Course?

Texas resident or nonresident insurance producers who sell, solicit, or negotiate LTC Partnership policies and must complete ongoing 4-hour LTCP training every 24 months. Great fit for life/health agents, annuity/retirement planners, financial professionals, and agency staff who advise seniors on LTC planning and Medicaid asset-disregard benefits.

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Texas CE & Renewal — What to Know

• Total CE for most producers: 24 hours every 2 years, including at least 2 hours of Ethics.

• LTC Partnership training:

  • Initial: 8 hours (separate course).

  • Ongoing: 4 hours every 24 months (this course fulfills that ongoing requirement).

• State filing fee: TDI charges $1.30 per CE hour. Many providers add this fee at checkout. Your $19.99 price already includes the full $5.20 for this 4-hour class—no surprises.

• Online, self-paced delivery is accepted; Texas uses 50-minute hours.

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How to Renew (Step-by-Step)

Step 1 — Confirm your CE mix.
Make sure you’ll have 24 total CE hours for your two-year cycle (including Ethics) and that your LTCP ongoing 4 hours are current.

Step 2 — Complete this 4-Hour LTCP Ongoing course online.
Self-paced; your progress saves automatically across devices.

Step 3 — Download your instant certificate.
Keep it for your records and E&O files.

Step 4 — We report to TDI.
Your credits are submitted within 24 hours.

Step 5 — Renew with TDI.
File your renewal before your license due date.

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What You’ll Learn — Course Outline (4 Hours, Texas 50-Minute Hours)

(From our approved syllabus.)

Hour 1 — Regulatory & Market Updates for LTC Partnership Policies

• Recent federal/state changes affecting Partnership qualification and disclosures

• Carrier/product landscape and pricing shifts

• Inflation-protection standards and their impact on Partnership status

• Underwriting trends (cognitive screens, Rx checks) and suitability takeaways

• Medicaid eligibility, reciprocity, and estate recovery considerations

• “What changed this year” checklist for client reviews and documentation

Hour 2 — Ethics, Suitability & Best-Interest for Senior Clients

• Aligning benefit design and premiums with client objectives (with documentation)

• Suitability refresh: income/assets/health/caregiving dynamics

• Handling replacements while preserving Partnership status

• Elder-abuse red flags and third-party influence

• Clear, compliant illustrations and assumptions

• Ethical advertising, transparent compensation, plain-language summaries

Hour 3 — Advanced Product Mechanics: Inflation, Rate Actions, Hybrids & Claims

• Comparing inflation options (simple/compound/CPI-linked) for compliance and affordability

• Rate action mechanics, oversight, and client choices (benefit reductions, nonforfeiture)

• Hybrid life-/annuity-LTC structures and tax considerations

• Coordinating with Medicare/other coverages; custodial vs. skilled expectations

• Claims navigation: triggers, plans of care, recertifications, Medicaid coordination

• Mid-policy tune-ups to maintain Partnership eligibility

Hour 4 — Case Studies, Documentation Mastery & Review Cadence

• Best-interest rationales across contrasting client cases

• Annual review workflow: inflation check, affordability, authorizations, contacts

• Replacement/1035 packages that withstand scrutiny

• Client-ready artifacts (needs analysis, side-by-side plan matrix, asset-disregard explainer)

• Compliance recordkeeping, retention timelines, audit readiness

• Action plan: follow-ups, legal/Medicaid referrals, and next refresher reminders

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Why Choose 1st Choice CE?

✅ TDI-Approved (Provider #233452, Course #145609)
✅ $19.99 flat — no extra fees (TDI filing fee included)
✅ 100% Online & Mobile Friendly
✅ Self-Paced — Log in/out anytime
✅ Instant Certificate
✅ State Reporting Within 24 Hours
✅ Money-Back Guarantee
✅ Over 10 Years trusted by thousands

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See Our Other Texas Insurance Online Courses

✅ 3-Hour Insurance Ethics — Texas ($19.99, no extra fees)
✅ 3-Hour Flood Insurance (NFIP) — Texas ($19.99, no extra fees)
✅ 4-Hour LTC Partnership — Ongoing Training — Texas ($19.99, no extra fees)
✅ 4-Hour Annuity Best-Interest/Suitability — Texas ($19.99, no extra fees)

FAQ — Texas Insurance CE (applies to Ethics, Flood (NFIP), LTC Partnership Ongoing, and Annuity Best-Interest)

✅ Does this course count toward my 24 total CE hours in Texas?
Yes. Each course awards the stated number of CE hours and counts toward your 24-hour, 2-year requirement. Ethics satisfies the Ethics portion; LTC Partnership Ongoing satisfies the ongoing 4-hour LTCP refresher; Annuity Best-Interest satisfies the one-time 4-hour annuity training; Flood (NFIP) counts as general CE.

✅ Do I also need product-specific training from carriers?
Sometimes. Annuities almost always require insurer product-specific training in addition to this NAIC best-interest course. Some carriers may also require product modules for LTC. Check your carrier/GA appointment requirements.

✅ Is the TDI filing fee included in the price?
Yes. Texas charges $1.30 per CE hour. Your $19.99 price already includes the filing fee ($3.90 for 3-hour courses; $5.20 for 4-hour courses). No added or extra fees.

✅ How fast do you report my credits to TDI?
Within 24 hours of completion. You’ll also receive an instant certificate for your records.

✅ Is the course 100% online and self-paced?
Yes. You can log in and out anytime from any device and your progress is saved.

✅ Are there quizzes or a final exam?
You’ll see brief knowledge checks to reinforce learning. If a final assessment is presented, you’ll have unlimited retakes and clear feedback.

✅ When should I complete CE relative to my renewal date?
Complete all required CE before your license expiration so TDI has your credits on file when you renew.

✅ Does Ethics have to be a separate course?
Texas requires at least 2 hours of Ethics within your 24 hours. Our 3-Hour Ethics course covers that requirement and counts toward your total hours.

✅ Is the Annuity Best-Interest training one-time or recurring?
One-time (4 hours) under the NAIC Best-Interest model—complete it before soliciting/selling annuities. Carrier product-specific training may recur per insurer rules.

✅ How often is LTC Partnership training required?
After the initial 8-hour course, Texas requires 4 hours of Ongoing LTC Partnership training every 24 months. Our LTC course fulfills that ongoing requirement.

✅ Do nonresidents licensed in Texas qualify?
Yes. Resident and nonresident Texas licensees can take these courses; credits are reported to TDI the same way.

✅ What if plans change—do you offer a guarantee?
Yes. We offer a money-back guarantee and friendly support by call or text at 1-800-698-2770.

Course Details

• Approved by Texas Department of Insurance
• Approved Provider #233452
• Approved Course #145609
• 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.