State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
How does a HICAP counselor differ from a licensed insurance agent selling long-term care products?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
HICAP counselors are neutral: they explain options and help consumers compare plans without selling, endorsing, or being compensated by insurers. Licensed agents, by contrast, market and sell insurance products and earn compensation on sales. AH-III.D.2 anchors this distinction, which is why regulators encourage consumers to use HICAP for an independent view before purchasing LTC coverage.
Why the other options are wrong
- A) HICAP does not sell Medicare Advantage or any other product.
- C) HICAP is administered by the California Department of Aging, not by insurance companies.
- D) The roles differ fundamentally on the sales-versus-counseling axis.
Memory hook
Agents sell, HICAP tells — one earns a commission, the other earns your trust.