Insurance Licensing Hawaii-Life-Producer : Hawaii Life Producer Exam (InsHI_Life01 OPLife01)

  • Exam Code: Hawaii-Life-Producer
  • Exam Name: Hawaii Life Producer Exam (InsHI_Life01 OPLife01)
  • Updated: Aug 26, 2026
  • Q & A: 120 Questions and Answers

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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

SectionWeightObjectives
Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance23%- Licensing
  • 1. Denial, suspension, and revocation of licenses
    • 2. Persons required to be licensed
      • 3. General qualifications for licensing
        • 4. Renewal of license and continuing education
          - Guaranty associations
          - Marketing practices
          • 1. Unfair and deceptive practices
            • 2. Sharing commissions
              • 3. Premiums
                • 4. Reporting and accounting for premiums
                  • 5. Required records and record retention
                    • 6. Controlled business
                      - Insurance Commissioner
                      • 1. General powers and duties
                        • 2. Examination of records
                          • 3. Penalties
                            • 4. Notice of hearings
                              - Definitions
                              • 1. Insurance
                                • 2. Domestic, foreign, and alien
                                  • 3. Stock, reciprocal, and mutual
                                    • 4. Authorized and unauthorized
                                      • 5. Certificate of authority
                                        Completing the Application, Underwriting, and Delivering the Policies12%- Delivering the policy
                                        • 1. Explaining the policy, provisions, riders, exclusions, and ratings to the client
                                          • 2. When coverage begins
                                            - Contract law
                                            • 1. Elements of a contract
                                              • 2. Unique aspects of the insurance contract
                                                - Underwriting
                                                • 1. Medical information and consumer reports
                                                  • 2. Risk classification
                                                    • 3. Stranger/investor-owned life insurance
                                                      • 4. Insurable interest
                                                        • 5. Fair Credit Reporting Act
                                                          - Completing the application
                                                          • 1. Consequences of incomplete applications
                                                            • 2. Required signatures
                                                              • 3. Warranties and representations
                                                                • 4. Changes in the application
                                                                  • 5. Gramm-Leach-Bliley Act privacy
                                                                    • 6. USA PATRIOT Act and anti-money laundering
                                                                      • 7. Disclosures at point of sale
                                                                        • 8. Collecting the initial premium and issuing the receipt
                                                                          • 9. Replacement
                                                                            Types of Policies15%- Traditional whole life products
                                                                            • 1. Limited-pay and single-premium life
                                                                              • 2. Ordinary whole life
                                                                                - Combination plans and variations
                                                                                • 1. Survivorship life
                                                                                  • 2. Joint life
                                                                                    - Term life
                                                                                    • 1. Special features
                                                                                      • Renewable
                                                                                      • Convertible
                                                                                    • 2. Types
                                                                                      • Level
                                                                                      • Decreasing
                                                                                      • Return of premium
                                                                                      • Annually renewable
                                                                                    - Annuities
                                                                                    • 1. Accumulation and annuity periods
                                                                                      • 2. Single and flexible premium
                                                                                        • 3. Indexed
                                                                                          • 4. Fixed and variable
                                                                                            • 5. Payout options
                                                                                              • 6. Immediate and deferred
                                                                                                - Interest/market-sensitive/adjustable life products
                                                                                                • 1. Interest-sensitive whole life
                                                                                                  • 2. Variable universal life
                                                                                                    • 3. Variable whole life
                                                                                                      • 4. Universal life
                                                                                                        • 5. Indexed life
                                                                                                          Life Provisions, Riders, Options, and Exclusions15%- Policy riders
                                                                                                          • 1. Return of premium
                                                                                                            • 2. Payor benefit
                                                                                                              • 3. Accidental death and/or accidental death and dismemberment
                                                                                                                • 4. Guaranteed insurability
                                                                                                                  • 5. Term riders
                                                                                                                    • 6. Waiver of premium and waiver of monthly deduction
                                                                                                                      • 7. Long term care
                                                                                                                        • 8. Disability
                                                                                                                          • 9. Other insureds
                                                                                                                            • 10. Cost of Living
                                                                                                                              - Policy provisions and options
                                                                                                                              • 1. Free look
                                                                                                                                • 2. Accelerated death benefits
                                                                                                                                  • 3. Entire contract
                                                                                                                                    • 4. Non-forfeiture options
                                                                                                                                      • 5. Beneficiary designations
                                                                                                                                        • 6. Insuring clause
                                                                                                                                          • 7. Policy loans, withdrawals, and partial surrenders
                                                                                                                                            • 8. Reinstatement
                                                                                                                                              • 9. Premium payment
                                                                                                                                                • 10. Consideration
                                                                                                                                                  • 11. Dividends and dividend options
                                                                                                                                                    • 12. Owner's rights
                                                                                                                                                      • 13. Incontestability
                                                                                                                                                        • 14. Settlement options
                                                                                                                                                          • 15. Misstatement of age and gender
                                                                                                                                                            • 16. Assignments
                                                                                                                                                              • 17. Suicide
                                                                                                                                                                - Policy exclusions
                                                                                                                                                                • 1. Aviation
                                                                                                                                                                  • 2. War
                                                                                                                                                                    • 3. Dangerous occupation
                                                                                                                                                                      Hawaii Laws and Rules Pertinent to Life Insurance Only12%- Marketing methods and practices
                                                                                                                                                                      • 1. Annuities
                                                                                                                                                                        • Disclosure
                                                                                                                                                                        • Suitability
                                                                                                                                                                      • 2. Replacement
                                                                                                                                                                        • Definition
                                                                                                                                                                        • Duties of producers
                                                                                                                                                                        • Duties of insurers that use producers
                                                                                                                                                                        • Duties of replacing insurers that use producers
                                                                                                                                                                        • Duties of the existing insurer
                                                                                                                                                                      - Variable contracts
                                                                                                                                                                      - Participation in surplus
                                                                                                                                                                      - Credit life
                                                                                                                                                                      - Group life
                                                                                                                                                                      • 1. Assignment of proceeds
                                                                                                                                                                        • 2. Group requirements
                                                                                                                                                                          • 3. Conversion
                                                                                                                                                                            - Policy clauses and provisions
                                                                                                                                                                            • 1. Spouse's rights
                                                                                                                                                                              • 2. Policy loan interest rate
                                                                                                                                                                                • 3. Protection of beneficiaries from creditors
                                                                                                                                                                                  Retirement and Other Life Insurance Concepts8%- Tax treatment of insurance premiums, proceeds, and dividends
                                                                                                                                                                                  - Group life insurance
                                                                                                                                                                                  • 1. Contributory vs. noncontributory
                                                                                                                                                                                    • 2. Conversion privilege
                                                                                                                                                                                      - Social Security benefits
                                                                                                                                                                                      - Life settlements
                                                                                                                                                                                      - Third-party ownership
                                                                                                                                                                                      - Life insurance needs analysis and suitability
                                                                                                                                                                                      • 1. Business insurance needs
                                                                                                                                                                                        • 2. Personal insurance needs
                                                                                                                                                                                          - Retirement plans
                                                                                                                                                                                          • 1. Nonqualified plans
                                                                                                                                                                                            • 2. Qualified plans

                                                                                                                                                                                              Insurance Licensing Hawaii Life Producer Exam (InsHI_Life01 OPLife01) Sample Questions:

                                                                                                                                                                                              Question 1

                                                                                                                                                                                              A purpose of the Hawaii Life and Disability Insurance Guaranty Association Act is to:

                                                                                                                                                                                              A. return excess premium charges to policyowners
                                                                                                                                                                                              B. prohibit excessive insurance rates
                                                                                                                                                                                              C. reduce financial loss to policyowners caused by admitted insurance company insolvency
                                                                                                                                                                                              D. provide a profit to insurance companies operating in Hawaii


                                                                                                                                                                                              Question 2

                                                                                                                                                                                              A replacing insurer receives a completed life insurance application indicating that an existing policy will be replaced. Within how many business days must the replacing insurer notify the existing insurer that may be affected?

                                                                                                                                                                                              A. 30 business days
                                                                                                                                                                                              B. 10 business days
                                                                                                                                                                                              C. 5 business days
                                                                                                                                                                                              D. 3 business days


                                                                                                                                                                                              Question 3

                                                                                                                                                                                              Except for nonpayment of premiums and certain excluded supplemental benefits, a Hawaii individual life insurance policy becomes incontestable after it has been in force during the insured's lifetime for:

                                                                                                                                                                                              A. 2 years
                                                                                                                                                                                              B. 3 years
                                                                                                                                                                                              C. 5 years
                                                                                                                                                                                              D. 1 year


                                                                                                                                                                                              Question 4

                                                                                                                                                                                              A Hawaii life insurance policy has an adjustable policy-loan interest rate. If the insurer intends to increase the rate being charged on an existing policy loan, the insurer must:

                                                                                                                                                                                              A. send the policyholder reasonable advance notice
                                                                                                                                                                                              B. obtain the producer's written authorization
                                                                                                                                                                                              C. wait until the insured's next medical examination
                                                                                                                                                                                              D. obtain approval from the beneficiary


                                                                                                                                                                                              Question 5

                                                                                                                                                                                              Insurance producers in Hawaii are required to maintain records of insurance transactions for a MINIMUM of how many years?

                                                                                                                                                                                              A. Ten
                                                                                                                                                                                              B. Seven
                                                                                                                                                                                              C. Three
                                                                                                                                                                                              D. Five


                                                                                                                                                                                              Solutions:

                                                                                                                                                                                              Question 1
                                                                                                                                                                                              Answer: C                                                                                                                                                                                              		Question 2
                                                                                                                                                                                              Answer: C                                                                                                                                                                                              		Question 3
                                                                                                                                                                                              Answer: A                                                                                                                                                                                              		Question 4
                                                                                                                                                                                              Answer: A                                                                                                                                                                                              		Question 5
                                                                                                                                                                                              Answer: D

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