Exam Code: Hawaii-Life-Producer
Exam Name: Hawaii Life Producer Exam (InsHI_Life01 OPLife01)
Certification Provider: Insurance Licensing
Corresponding Certification: Hawaii Insurance
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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

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

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

                                                                                                                                                                                              Which of the following features makes Universal Life different from other forms of Whole Life insurance?

                                                                                                                                                                                              • A. Beneficiary provisions
                                                                                                                                                                                              • B. Settlement options
                                                                                                                                                                                              • C. Free Look period
                                                                                                                                                                                              • D. Premium schedules
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: D  🗳️

                                                                                                                                                                                              Explanation: Only visible for ExamcollectionPass members. You can sign-up / login (it's free).

                                                                                                                                                                                              All of the following statements about a Guaranteed Insurability Option rider are true EXCEPT:

                                                                                                                                                                                              • A. Costs for new coverages purchased under this rider are calculated on the basis of the insured's attained age.
                                                                                                                                                                                              • B. It allows the insured to purchase additional coverage at marriage or the birth of a child.
                                                                                                                                                                                              • C. It allows the insured to purchase additional coverage at specified ages.
                                                                                                                                                                                              • D. It requires the insured to provide evidence of insurability when exercising the option.
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: D  🗳️

                                                                                                                                                                                              Explanation: Only visible for ExamcollectionPass members. You can sign-up / login (it's free).

                                                                                                                                                                                              A producer obtains a Hawaii Life line of authority after December 31, 2022 and intends to sell annuity products. Before soliciting an annuity sale, the producer must complete:

                                                                                                                                                                                              • A. a two-credit ethics course only
                                                                                                                                                                                              • B. a one-time four-credit annuity training course
                                                                                                                                                                                              • C. no additional training until the first license renewal
                                                                                                                                                                                              • D. ten hours of securities training only
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: B  🗳️

                                                                                                                                                                                              Explanation: Only visible for ExamcollectionPass members. You can sign-up / login (it's free).

                                                                                                                                                                                              After an owner executes a Hawaii life settlement contract, the life settlement provider must generally notify the insurer that issued the policy within:

                                                                                                                                                                                              • A. 30 days
                                                                                                                                                                                              • B. 5 days
                                                                                                                                                                                              • C. 10 days
                                                                                                                                                                                              • D. 20 days
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: D  🗳️

                                                                                                                                                                                              Explanation: Only visible for ExamcollectionPass members. You can sign-up / login (it's free).

                                                                                                                                                                                              Policy loan interest rates for policies issued after June 22, 1982, may be set at:

                                                                                                                                                                                              • A. an 8% maximum or an adjustable rate permitted by law
                                                                                                                                                                                              • B. an 18% maximum
                                                                                                                                                                                              • C. a 5% maximum or an adjustable rate permitted by law
                                                                                                                                                                                              • D. a 10% maximum
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: A  🗳️

                                                                                                                                                                                              Explanation: Only visible for ExamcollectionPass members. You can sign-up / login (it's free).

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