Course Description

4-Hour Ongoing Long-Term Care (LTC) Insurance Partnership Training – Texas (Self-Study SS)

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)

Instruction Method: Self-Study (SS) ✅

Keep your Long-Term Care Partnership knowledge current with this Texas-approved 4-hour ongoing training course. It’s built for working insurance professionals who need a clear refresher on Partnership rules, suitability, ethical sales practices, product mechanics, and documentation that holds up under review.

This course is 100% online and self-paced. Log in and out anytime without losing your place. You’ll receive an instant certificate of completion, and we report your credits within 24 hours of course completion. With over 10 years of experience, 1st Choice Continuing Education is trusted by thousands of licensees nationwide.

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Who Should Take This Course? ✅

This course is ideal for Texas insurance professionals who work with Long-Term Care coverage and want to stay aligned with Partnership expectations, including:

✅ Life, Accident & Health (LAH) Agents who sell or service LTC policies
✅ Agents who market or advise on Texas Long-Term Care Partnership policies
✅ Producers who need 4 hours of Texas CE in a Self-Study (SS) format
✅ Agents who want stronger documentation and suitability habits for senior-focused sales

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Texas CE & Renewal — What to Know (Important) ✅

✅ Total CE requirement: Most Texas insurance agents complete 24 total CE hours every 2-year renewal cycle
✅ Ethics / Consumer Protection: 3 hours are required and count toward the 24-hour total
✅ Self-Study (SS) cap: Texas commonly allows a maximum of 12 hours of Self-Study (SS) per 2-year cycle
✅ CEQ/Classroom minimum: The remaining hours are typically completed as Classroom or Classroom Equivalent (CEQ)
✅ Renewal deadline: Renewal is on a 2-year cycle, commonly tied to the last day of your birth month (check your Texas license record to confirm your exact deadline)

What this means for you: This course is Self-Study (SS). If you’re close to (or already at) the 12-hour SS limit, you’ll want your remaining hours to be CEQ/classroom-equivalent so they count toward renewal.

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

Step 1: Confirm your renewal deadline.
Check your Texas license account so you know your exact renewal date and cycle.

Step 2: Confirm your CE totals for your license type.
Most Texas agents complete 24 total hours per cycle, including 3 hours of Ethics/Consumer Protection.

Step 3: Plan your CE format (SS vs CEQ).
Texas commonly limits you to 12 hours of Self-Study (SS) per cycle. Plan the rest as CEQ/classroom-equivalent so your credits apply correctly.

Step 4: Complete this course online (Self-Study SS).
Work from any device at your pace. Log out and return anytime—your progress is saved.

Step 5: Download your instant certificate.
Your certificate is available immediately after completion for your records.

Step 6: We report your credits within 24 hours.
We report your completion within 24 hours (often sooner).

Step 7: Submit your renewal.
Once your CE is complete (and reflected on your transcript), renew through the normal Texas renewal process.

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What You’ll Learn — Course Outline (4 Hours) ✅

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

✅ Recent state and federal changes affecting Partnership qualification and producer disclosures
✅ Carrier product activity that impacts pricing and availability
✅ Inflation protection standards and how changes can affect Partnership status
✅ Underwriting trends (including cognitive screening and Rx checks) and suitability impact
✅ Medicaid eligibility updates, asset-disregard reciprocity, and estate recovery considerations
✅ A practical checklist of “what changed” for client reviews and documentation

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

✅ Best-interest habits that align benefit design, premium, and client goals
✅ Suitability analysis: income, assets, health factors, existing coverage, and caregiving realities
✅ Replacement guidance that helps preserve Partnership status and avoids unintended benefit loss
✅ Elder-abuse awareness: recognizing red flags and managing third-party influence
✅ Ethical illustrations: presenting ranges, assumptions, and avoiding misleading comparisons
✅ Compliant advertising and clear, plain-language client summaries

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

✅ Comparing inflation options and how they affect affordability and Partnership compliance
✅ Understanding premium rate actions and client options (benefit reduction, nonforfeiture)
✅ Hybrid life/LTC and annuity/LTC fundamentals and when they fit (or don’t)
✅ Medicare coordination and setting realistic expectations for custodial vs. skilled care
✅ Claims workflow: benefit triggers, plans of care, recertifications, and Medicaid coordination
✅ Mid-policy tune-ups and design adjustments to sustain Partnership eligibility

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

✅ Applying best-interest methodology to common client scenarios with written rationales
✅ Running an annual review: inflation requirements, affordability, forms, and client preferences
✅ Building strong replacement and exchange files with comparisons and attestations
✅ Creating client-ready artifacts: needs analysis summaries and plan matrices
✅ Record retention and organization practices for audits and complaint readiness
✅ A simple action plan for follow-ups, referrals, and the next refresher cycle

 

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Why Choose 1st Choice CE? ✅

✅ TDI-Approved Provider (#233452)
✅ $19.99 flat price — no added or extra fees (TDI filing fee included)
✅ 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
✅ Support by call or text — 1-800-698-2770
✅ Over 10 Years of Trusted CE Service

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Enroll Now — Just $19.99 ✅

 

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Need More Texas Insurance Hours? ✅

✅ 3-Hour Insurance Ethics — Texas ($19.99, no extra fees)
✅ 3-Hour Flood Insurance (NFIP) — Texas ($19.99, no extra fees)
✅ 4-Hour Annuity Best-Interest/Suitability — Texas ($19.99, no extra fees)
✅ 8-Hour Initial LTC Partnership Training — Texas ($39.99)

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FAQ — Texas LTC Partnership Ongoing Training (Self-Study SS) ✅

Is this a Self-Study (SS) course? ✅
Yes. This Texas 4-hour LTC Partnership Ongoing Training course is approved as a Self-Study (SS) course.

Who is this course for? ✅
It’s designed for Texas agents who sell, service, or advise on Long-Term Care Partnership policies and want a practical refresher on updates, suitability, ethical sales practices, and documentation.

How many CE hours do Texas insurance agents need to renew? ✅
Most Texas agents complete 24 total CE hours every 2-year renewal cycle, including 3 hours of Ethics/Consumer Protection.

Is there a cap on Self-Study (SS) hours in Texas? ✅
Yes. Texas commonly allows up to 12 hours of Self-Study (SS) per renewal cycle. The remaining hours are typically completed as Classroom or Classroom Equivalent (CEQ).

If I already have 12 Self-Study (SS) hours, should I take this course?
If you’ve already hit your 12-hour SS cap, you’ll want your remaining CE to be CEQ/classroom-equivalent so it counts. Since this course is SS, it’s best taken earlier in your cycle or when you still have SS hours available.

Can I log in and out without losing my progress? ✅
Yes. The course is self-paced and your progress is saved automatically.

Do I get a certificate right away? ✅
Yes. You’ll receive an instant certificate of completion immediately after finishing.

How fast are credits reported? ✅
We report your completion within 24 hours.

Are there any extra fees at checkout? ✅
No. Your price is $19.99 total—no added or extra fees. The $5.20 TDI filing fee is already included.

What if I need help? ✅
Call or text 1-800-698-2770 for support.

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.