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

Exam Code: Hawaii-Life-Producer
Exam Name: Hawaii Life Producer Exam (InsHI_Life01 OPLife01)
Updated: Sep 14, 2026
Q & A: 120 Questions and Answers

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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

Section

Weight

Objectives

Hawaii Laws and Rules Pertinent to Life Insurance Only

12%

- Marketing methods and practices

1. Replacement
- Definition
- Duties of producers
- Duties of insurers that use producers
- Duties of replacing insurers that use producers
- Duties of the existing insurer
2. Annuities
- Disclosure
- Suitability

- Variable contracts
- Participation in surplus
- Policy clauses and provisions

1. Spouse's rights
2. Policy loan interest rate
3. Protection of beneficiaries from creditors

- Credit life
- Group life

1. Group requirements
2. Conversion
3. Assignment of proceeds

Retirement and Other Life Insurance Concepts

- Life settlements
- Life insurance needs analysis and suitability

1. Business insurance needs
2. Personal insurance needs

- Group life insurance

1. Contributory vs. noncontributory
2. Conversion privilege

- Tax treatment of insurance premiums, proceeds, and dividends
- Retirement plans

1. Qualified plans
2. Nonqualified plans

- Social Security benefits
- Third-party ownership

Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance

23%

- Insurance Commissioner

1. Notice of hearings
2. Examination of records
3. Penalties
4. General powers and duties

- Marketing practices

1. Premiums
2. Sharing commissions
3. Controlled business
4. Required records and record retention
5. Reporting and accounting for premiums
6. Unfair and deceptive practices

- Definitions

1. Stock, reciprocal, and mutual
2. Certificate of authority
3. Domestic, foreign, and alien
4. Authorized and unauthorized
5. Insurance

- Guaranty associations
- Licensing

1. Persons required to be licensed
2. Denial, suspension, and revocation of licenses
3. General qualifications for licensing
4. Renewal of license and continuing education

Life Provisions, Riders, Options, and Exclusions

15%

- Policy exclusions

1. Aviation
2. Dangerous occupation
3. War

- Policy riders

1. Cost of Living
2. Guaranteed insurability
3. Long term care
4. Other insureds
5. Accidental death and/or accidental death and dismemberment
6. Disability
7. Return of premium
8. Waiver of premium and waiver of monthly deduction
9. Term riders
10. Payor benefit

- Policy provisions and options

1. Entire contract
2. Free look
3. Suicide
4. Assignments
5. Accelerated death benefits
6. Consideration
7. Misstatement of age and gender
8. Settlement options
9. Owner's rights
10. Dividends and dividend options
11. Premium payment
12. Non-forfeiture options
13. Reinstatement
14. Incontestability
15. Insuring clause
16. Policy loans, withdrawals, and partial surrenders
17. Beneficiary designations

Types of Policies

15%

- Traditional whole life products

1. Limited-pay and single-premium life
2. Ordinary whole life

- Term life

1. Special features
- Renewable
- Convertible
2. Types
- Level
- Decreasing
- Return of premium
- Annually renewable

- Combination plans and variations

1. Joint life
2. Survivorship life

- Interest/market-sensitive/adjustable life products

1. Universal life
2. Interest-sensitive whole life
3. Variable whole life
4. Indexed life
5. Variable universal life

- Annuities

1. Single and flexible premium
2. Indexed
3. Immediate and deferred
4. Payout options
5. Accumulation and annuity periods
6. Fixed and variable

Completing the Application, Underwriting, and Delivering the Policies

12%

- Delivering the policy

1. When coverage begins
2. Explaining the policy, provisions, riders, exclusions, and ratings to the client

- Completing the application

1. Warranties and representations
2. USA PATRIOT Act and anti-money laundering
3. Consequences of incomplete applications
4. Disclosures at point of sale
5. Collecting the initial premium and issuing the receipt
6. Replacement
7. Gramm-Leach-Bliley Act privacy
8. Required signatures
9. Changes in the application

- Underwriting

1. Medical information and consumer reports
2. Fair Credit Reporting Act
3. Insurable interest
4. Risk classification
5. Stranger/investor-owned life insurance

- Contract law

1. Elements of a contract
2. Unique aspects of the insurance contract

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

Question #1

The Hawaii Insurance Commissioner MUST hold a hearing within how many days after receipt of the proper application for a hearing?

A. Thirty-one
B. Sixty
C. Thirty
D. Forty-five

Reveal Solution Discussion 0

Correct Answer: C 🗳️