California Code, Insurance Code - INS § 10234.85

No insurer, broker, agent, or other person shall cause a policyholder to replace a long term care insurance policy unnecessarily.  Nothing in this section shall be construed to allow an insurer, broker, agent, or other person to cause a policyholder to replace a long term care insurance policy that will result in a decrease in benefits and an increase in premium.

It shall be presumed that any third or greater policy sold to a policyholder in any 12-month period is unnecessary within the meaning of this section.  This section shall not apply to those instances in which a policy is replaced solely for the purpose of consolidating policies with a single insurer.