Final answer:
The number of long term care policies that can be sold to an insured within a 12-month period before it is considered unnecessary varies depending on the insurance company and their policies.
Step-by-step explanation:
In the context of long term care policies, the number of policies that can be sold to an insured within a 12-month period before it is considered unnecessary depends on the specific insurance company and their policies. There is no standard limit set across the industry.
Some insurance companies may allow multiple policies to be sold to an insured within a 12-month period if the insured has diverse long term care needs or if the policies are for different aspects of long term care, such as home care, nursing home care, or assisted living. Other insurance companies may consider additional policies unnecessary after a certain number, such as two or three policies. It is important for individuals to carefully review the terms and conditions of their policy and consult with insurance providers to understand their specific limits and guidelines.