Sec.38a-528-10. Suitability of recommended purchase

(a) An agent who recommends the purchase or replacement of a long-term care policy or certificate shall have reasonable grounds for believing that the recommendation is suitable for the applicant upon the basis of the facts, if any, disclosed by the applicant concerning his or her health and financial circumstances.

(b) Before selling any group long-term care certificate, an agent shall make reasonable efforts to obtain information concerning the applicant's health and financial circumstances.

(c) Before issuing any group long-term care certificate, a direct response insurer shall have reasonable grounds for believing that the purchase of such certificate, whether or not it involves the replacement of existing coverage, is suitable for the applicant upon the basis of the facts, if any, disclosed by the applicant concerning his or her health and financial circumstances.

(d) Every direct response insurer shall include questions on its applications for long-term care insurance that are reasonably designed to obtain information concerning the applicant's health and financial circumstances.

(Effective September 30, 1994)