An agent must deliver the Outline of Coverage for an LTC policy at or before

Delivering the Outline of Coverage at the application stage does not comply with regulatory requirements, as this document must be provided when the policy is being finalized. The application process occurs before the policy is issued, and thus the applicant may not have the complete information necessary to make an informed decision.

Providing the Outline of Coverage 30 days after delivery is not acceptable, as it fails to meet the requirement for timely disclosure of critical policy details. Consumers need the information before or at the time they receive their policies to fully understand their rights and benefits.

Delivering the Outline of Coverage by the first premium due date is also inappropriate because this timing does not allow the policyholder to review and understand their coverage before committing to payment. Timely information is essential for making informed choices regarding their long-term care insurance.