An agent is required to give an applicant for life insurance with long-term care benefits

An application certificate is not typically required for applicants seeking life insurance. Instead, it usually serves as a confirmation that an application has been submitted. It does not provide the necessary details about the insurance policy itself, which is crucial for informed decision-making.

An illustrated recommendation is not a standard requirement in the life insurance application process. It may provide an overview of policy options and benefits but lacks the comprehensive details found in a policy summary. Thus, it does not fulfill the requirement for informing the applicant about the specific life insurance policy with long-term care benefits.

A binding receipt for coverage is issued after an applicant submits an application and may indicate that coverage is pending approval. However, it does not provide detailed information about the policy's terms or benefits, making it insufficient for the applicant's need to understand the life insurance product they are applying for.