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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Hawaii Laws and Rules Pertinent to Life Insurance Only	12%	- Participation in surplus - Credit life - 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. Conversion 2. Assignment of proceeds 3. Group requirements - Policy clauses and provisions 1. Protection of beneficiaries from creditors 2. Spouse's rights 3. Policy loan interest rate - Variable contracts
Topic 2: Types of Policies	15%	- Interest/market-sensitive/adjustable life products 1. Indexed life 2. Variable universal life 3. Interest-sensitive whole life 4. Universal life 5. Variable whole life - Term life 1. Types Level Decreasing Return of premium Annually renewable 2. Special features Renewable Convertible - Annuities 1. Fixed and variable 2. Accumulation and annuity periods 3. Immediate and deferred 4. Payout options 5. Indexed 6. Single and flexible premium - 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
Topic 3: Life Provisions, Riders, Options, and Exclusions	15%	- Policy riders 1. Term riders 2. Other insureds 3. Waiver of premium and waiver of monthly deduction 4. Return of premium 5. Disability 6. Long term care 7. Guaranteed insurability 8. Cost of Living 9. Payor benefit 10. Accidental death and/or accidental death and dismemberment - Policy exclusions 1. Dangerous occupation 2. War 3. Aviation - Policy provisions and options 1. Consideration 2. Dividends and dividend options 3. Assignments 4. Beneficiary designations 5. Suicide 6. Entire contract 7. Free look 8. Accelerated death benefits 9. Premium payment 10. Incontestability 11. Policy loans, withdrawals, and partial surrenders 12. Misstatement of age and gender 13. Insuring clause 14. Reinstatement 15. Owner's rights 16. Non-forfeiture options 17. Settlement options
Topic 4: Completing the Application, Underwriting, and Delivering the Policies	12%	- Underwriting 1. Risk classification 2. Stranger/investor-owned life insurance 3. Fair Credit Reporting Act 4. Medical information and consumer reports 5. Insurable interest - Contract law 1. Elements of a contract 2. Unique aspects of the insurance contract - Completing the application 1. Disclosures at point of sale 2. Warranties and representations 3. USA PATRIOT Act and anti-money laundering 4. Consequences of incomplete applications 5. Required signatures 6. Gramm-Leach-Bliley Act privacy 7. Changes in the application 8. Collecting the initial premium and issuing the receipt 9. Replacement - Delivering the policy 1. Explaining the policy, provisions, riders, exclusions, and ratings to the client 2. When coverage begins
Topic 5: Retirement and Other Life Insurance Concepts	8%	- Social Security benefits - Tax treatment of insurance premiums, proceeds, and dividends - Third-party ownership - Life insurance needs analysis and suitability 1. Personal insurance needs 2. Business insurance needs - Life settlements - Retirement plans 1. Qualified plans 2. Nonqualified plans - Group life insurance 1. Contributory vs. noncontributory 2. Conversion privilege
Topic 6: Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance	23%	- Insurance Commissioner 1. Notice of hearings 2. General powers and duties 3. Examination of records 4. Penalties - Marketing practices 1. Sharing commissions 2. Reporting and accounting for premiums 3. Premiums 4. Unfair and deceptive practices 5. Required records and record retention 6. Controlled business - Guaranty associations - Definitions 1. Stock, reciprocal, and mutual 2. Certificate of authority 3. Domestic, foreign, and alien 4. Authorized and unauthorized 5. Insurance - Licensing 1. Persons required to be licensed 2. Renewal of license and continuing education 3. General qualifications for licensing 4. Denial, suspension, and revocation of licenses

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

Question #1

A Hawaii insurance producer is the subject of an administrative action in another state. The matter reaches final disposition on March 1. The producer must generally report the action to the Hawaii Insurance Commissioner within:

A. 60 days
B. 10 days
C. 15 days
D. 30 days

Reveal Solution Discussion 0

Correct Answer: D 🗳️