What type of coverage is NOT within the transaction capability of life-only agents?

Life-only agents are licensed specifically to sell life insurance products, which primarily focus on providing coverage related to the insured's life, such as term life insurance and accidental death coverage. These agents do not have the capability to transact health insurance, which encompasses a variety of products including medicaid, medicare, and other health-related coverages.

In this context, 24-hour care coverage represents a type of health insurance that typically involves ongoing medical care or support services, which falls outside the purview of life-only agents. Therefore, since the focus of their licensing and training is restricted to life insurance products, they are not authorized to sell health-related policies, which include the 24-hour care coverage mentioned.

This delineation of authority is crucial for consumers and agents alike, as it ensures that only qualified individuals serve specific insurance needs according to the training and licensing they have received.