DIVISION 2. CLASSES OF INSURANCE 1880-12880.6›PART 2. LIFE AND DISABILITY INSURANCE 10110-11549›CHAPTER 2.6. Long-Term Care Insurance 10231-10237.6›ARTICLE 3.7. Consumer Protection 10234.8-10234.97
§ 10234.85
California Insurance Code · 2020-11 edition · updated 2026-10-04 · California
No insurer, broker, agent, or other person shall cause a policyholder to replace a long term care insurance policy unnecessarily. Nothing in this section shall be construed to allow an insurer, broker, agent, or other person to cause a policyholder to replace a long term care insurance policy that will result in a decrease in benefits and an increase in premium.
It shall be presumed that any third or greater policy sold to a policyholder in any 12-month period is unnecessary within the meaning of this section. This section shall not apply to those instances in which a policy is replaced solely for the purpose of consolidating policies with a single insurer.
(Added by Stats. 1989, Ch. 631, Sec. 1.)
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