An insurer is required to offer what to each long-term applicant at the time of purchase?

An insurer is required to offer inflation protection to each long-term applicant as it is important to protect the applicant's purchasing power in the event of a long-term care need. This option provides coverage that is designed to adjust with the rising cost of long-term care services, ensuring that the policy retains its value and the insured can continue to receive necessary care without facing financial strain. Option A is incorrect because an insurer is not required to offer a gift to each long-term applicant at the time of purchase. Option C is incorrect because an insurer is not required to offer a discount to each long-term applicant at the time of purchase. Option D is incorrect because an insurer is not required to offer extended coverage to each long-term applicant at the time of purchase.