Kentucky Health Insurance Practice Exam

In the context of long-term care insurance marketing procedures, it is essential for insurers to establish measures that safeguard consumers from potential issues related to insurance sales. The correct choice highlights that while effective marketing of LTC policies is important, it does not fall under the mandatory marketing procedures insurers must implement.

Insurers are required to implement protocols that prevent the sale of excessive insurance, which aims to protect consumers from being sold more coverage than necessary for their needs. Additionally, identifying an applicant's existing insurance helps avoid duplicative coverage and ensure that the applicant receives appropriate recommendations based on their existing policies. Fair and accurate comparisons of policies are vital to providing consumers with the information they need to make informed choices.

While marketing effectively to prospective insureds is a goal for insurers, it is not a regulatory requirement like the other measures. Therefore, ensuring effectiveness in marketing is more a matter of business strategy than a mandated aspect of policy sales, distinguishing it from the necessary consumer protections outlined in the other options.