Course Description

4 Hrs Ongoing Long-Term Care Insurance Partnership Training – West Virginia

✅ Approved by: West Virginia Offices of the Insurance Commissioner (WVOIC)
Price: $19.99 — No added/extra fees (includes the WV state CE filing fee we absorb: $5.60 = 4 × 1 × $1.40)
Provider Number: 236324
Course ID: 113668

If you sell (or plan to keep selling) Long-Term Care Partnership policies in West Virginia, this 4-hour ongoing training course helps you stay current on LTC Partnership-related rules, market changes, ethics/suitability expectations, and real-world documentation that stands up to scrutiny. This course is 100% online and self-paced—log in and out anytime without losing your place. You’ll get an instant certificate of completion, and we report your credits within 24 hours of completion.

 

Who Should Take This Course?

This course is designed for West Virginia insurance licensees who:
✅ Sell or service Long-Term Care (LTC) Insurance Partnership policies
✅ Need the ongoing 4-hour LTC Partnership training to stay eligible to sell LTC products
✅ Want a structured refresher on suitability, best-interest practices, replacements, and compliance documentation
✅ Work with senior clients and need practical guidance on reviews, claims, and policy changes

West Virginia CE & Renewal — What to Know

West Virginia insurance producers generally complete continuing education during each biennial (two-year) compliance period and must meet ethics requirements as part of their total. If you’re authorized to sell Long-Term Care products, West Virginia also expects producers to stay current with ongoing LTC training requirements each compliance cycle.

This 4-hour course is built specifically for the ongoing LTC Partnership training need and is also designed to be practical CE that supports your day-to-day client conversations—rate actions, inflation options, underwriting trends, claims coordination, and what to document (and how) so your file tells the full story.

How to Renew Your West Virginia Insurance License (Step-by-Step)

1. Confirm your renewal deadline and CE cycle (West Virginia is typically biennial).
2. Complete your required CE hours, including any required ethics hours.
3. If you sell LTC products, complete your ongoing LTC training for the compliance period (this course satisfies that ongoing 4-hour training).
4. Finish this course online (self-paced—log in/out anytime).
5. Download your instant certificate as soon as you pass/complete the course.
6. We report your credits within 24 hours of completion.
7. Renew your license through the normal West Virginia renewal process once your CE is complete and posted.

What You’ll Learn — Course Outline

Hour 1: Regulatory & Market Updates for LTC Partnership Policies

✅ Recent state/federal changes affecting Partnership qualification, training, and disclosures
✅ Carrier/product market shifts that impact pricing and availability
✅ Inflation protection standards and how they affect Partnership status
✅ Underwriting trends (cognitive screens, Rx checks) and suitability implications
✅ Medicaid eligibility, reciprocity, and estate recovery updates
✅ A quick “what changed this year” checklist for client reviews

Hour 2: Ethics, Suitability, and Best-Interest Refresher for Senior Clients

✅ Best-interest alignment: benefits, premiums, objectives, and documentation quality
✅ Suitability refresh: income, assets, health, existing coverage, caregiving realities
✅ Replacements done right: preserve Partnership status and communicate trade-offs
✅ Elder-abuse awareness: red flags, third-party influence, escalation steps
✅ Illustrations/projections: how to present responsibly and avoid misleading comparisons
✅ Ethics toolkit: compliant ads, transparent compensation, clear client summaries

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

✅ Inflation options (simple/compound/CPI-linked) and affordability considerations
✅ Premium rate actions: triggers, oversight, and client choices (reductions/nonforfeiture)
✅ Hybrid life/LTC and annuity/LTC: where they fit and how they compare
✅ Coordinating with Medicare/other coverages (custodial vs. skilled expectations)
✅ Claims process: triggers, plans of care, recerts, and Medicaid coordination
✅ Mid-policy tune-ups to help sustain Partnership eligibility

Hour 4: Case Studies, Documentation Mastery, and Client Review Cadence

✅ Best-interest case studies with written rationales
✅ Annual review process: inflation, affordability, forms, contact preferences
✅ Replacement and 1035 exchange files that can withstand scrutiny
✅ Client-ready artifacts: needs summary, plan matrix, Partnership asset-disregard explanation
✅ Compliance recordkeeping: retention timelines, secure storage, indexing for audits
✅ Action plan: follow-up schedule, referral triggers, and refresher reminders

Why Choose 1st Choice CE?

✅ Instant certificate as soon as you complete the course
✅ Log in/out anytime without losing your place
✅ Credits reported within 24 hours of completion
✅ No added/extra fees — state filing fee included (we absorb it)
✅ Money-back guarantee
✅ Trusted provider with 10+ years serving licensees nationwide
✅ Need help? Call/text 1-800-698-2770

Need More West Virginia CE Hours? 

• 3 Hour Ethics for Insurance Agents – West Virginia – $19.99
  https://1stchoice-ce.com/courses/checkout/west+virginia/3-hr-insurance-ethics

FAQ

1) Is this course approved in West Virginia?
Yes. ✅ Approved by the West Virginia Offices of the Insurance Commissioner (WVOIC) (Provider 236324, Course ID 113668).

2) Is this the required ongoing LTC Partnership training?
It’s designed to satisfy the ongoing 4-hour LTC Partnership training expectation for producers who sell LTC products in West Virginia.

3) Is this course 100% online?
Yes—fully online and self-paced.

4) Can I log in and out without losing my progress?
Yes. You can stop and resume anytime.

5) Do I get a certificate right away?
Yes—your certificate is available instantly after completion.

6) How fast do you report my credits?
We report completions within 24 hours of course completion.

7) Are there any extra fees at checkout?
No. $19.99 is the total price—no added/extra fees, and we absorb the WV state CE filing fee.

8) Will these 4 hours count toward my West Virginia CE requirement?
For producers who need ongoing LTC training, these hours are intended to count as approved CE and help satisfy the ongoing LTC requirement for the compliance period.

9) What if I need help accessing the course?
Call or text 1-800-698-2770 and we’ll help you get squared away.

10) Do you offer a money-back guarantee?
Yes. If you have an issue, reach out—your purchase is backed by our money-back guarantee.

Course Details

• Approved by West Virginia Offices of the Insurance Commissioner (WVOIC)
• Approved Provider #236324
• Approved Course #113668
• 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.