A long-term care insurance shopper’s guide in the format developed by the National Association of Insurance Commissioners, or a guide developed or approved by the Commissioner, shall be provided to all prospective applicants of a long-term care insurance policy or certificate.

1. (1) In the case of producer solicitations, a producer shall deliver the shopper’s guide prior to the presentation of an application or enrollment form.
2. (2) In the case of direct response solicitations, the shopper’s guide shall be presented in conjunction with an application or enrollment form.