Final answer:
To sell Long-Term Care Insurance policies, an individual must pass a state insurance exam, have a clean criminal record, and obtain a license, which are standard requirements across the insurance industry.
Step-by-step explanation:
To sell Long-Term Care Insurance policies, the individual must meet specific requirements. The correct choice among the options provided in the question is c): Passing a state insurance exam, having a clean criminal record, and obtaining an insurance license. These are standard prerequisites for selling any type of insurance policies, as regulated by state insurance departments. It is essential to pass the relevant exams which ensure that the individual has the necessary knowledge and understanding of insurance products, principles, and ethical conduct. A clean criminal record is also typically required to maintain the integrity of the financial and insurance sectors. Finally, one must obtain a formal license which authorizes them to sell insurance products within a specific state.