On which page of an individual long-term care policy form must the renewability provision be located?

• A. Policy Summary
• B. First Page
• C. Headings
• D. End of Policy

Answer: (B)

The key idea here is that the renewability provision belongs where the insured can easily see it, right on the first page of the policy form. This placement ensures that the fundamental right to renew (or the conditions under which renewal can be changed) is immediately visible and binding, helping the consumer understand how long coverage can be kept and under what terms premiums might change. Putting this term on the first page aligns with the goal of clear, upfront disclosures so that important contract terms aren’t buried in later pages or in a summary. The other locations—like the policy summary, the end of the policy, or headings—don’t guarantee that this crucial information is as readily accessible or as legally enforceable as placing it on the opening page.