California § 10234.85. 10234.85. (Added by Stats. 1989, Ch. 631, Sec. 1.)

California Statutes

§ 10234.85. — 10234.85. (Added by Stats. 1989, Ch. 631, Sec. 1.)

California § 10234.85.

JurisdictionCalifornia

Code INSInsurance Code - INS

Div. 2.DIVISION 2. CLASSES OF INSURANCE

Part 2.PART 2. LIFE AND DISABILITY INSURANCE

Ch. 2.6.CHAPTER 2.6. Long-Term Care Insurance

Art. 3.7.ARTICLE 3.7. Consumer Protection

This text of California § 10234.85. (10234.85. (Added by Stats. 1989, Ch. 631, Sec. 1.)) is published on Counsel Stack Legal Research, covering California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Cal. Insurance Code - INS Code § 10234.85. (2026).

Text

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.

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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.