{"data":{"id":"us-ca/ins-10234.85","jurisdiction":"us-ca","citation":"INS § 10234.85","heading":"","body":"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.\nIt 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.","path":["Insurance Code - INS","DIVISION 2. CLASSES OF INSURANCE [1880. - 12880.8.]","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.]"],"source_url":"https://downloads.leginfo.legislature.ca.gov/pubinfo_2025.zip","current_through":"2026-09-13","vintage":"","retrieved_at":"2026-09-14T05:56:33Z","sha256":"d34f3d56139eee17318a642216a4effdaa4ce8b0503bd4d300d317821d77e1ac","source_id":"us-ca","stale":false,"prev":"us-ca/ins-10234.8","next":"us-ca/ins-10234.86"},"notice":"GroundRules: Original legal text. Not legal advice."}