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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

Section

Objectives

Topic 1: Life - Hawaii Specific

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

1. Insurance Commissioner
- General powers and duties
- Examination of records
- Notice of hearings
- Penalties
2. Marketing practices
- Unfair and deceptive practices
- Reporting and accounting for premiums
- Sharing commissions
- Required records and record retention
- Controlled business
- Premiums
3. Licensing
- General qualifications for licensing
- Persons required to be licensed
- Denial, suspension, and revocation of licenses
- Renewal of license and continuing education
4. Guaranty Associations
5. Definitions
- Authorized and unauthorized
- Domestic, foreign, and alien
- Stock, reciprocal and mutual
- Certificate of authority
- Insurance

- Hawaii Laws and Rules Pertinent to Life Insurance Only

1. Credit Life
2. Group Life
- Group requirements
- Assignment of proceeds
- Conversion
3. Variable Contracts
4. Policy Clauses and Provisions
- Protection of beneficiaries from creditors
- Policy loan interest rate
- Spouse's rights
5. Marketing methods and practices
- Replacement
- Annuities
6. Participation in Surplus

Topic 2: Life - General Knowledge

- Completing the Application, Underwriting, and Delivering the Policies

1. Delivering the policy
- When coverage begins
- Explaining the policy and its provisions, riders, exclusions, and ratings to the client
2. Contract law
- Elements of a contract
- Unique aspects of the insurance contract
3. Completing the application
- Required signatures
- Changes in the application
- Consequences of incomplete applications
- Warranties and representations
- Collecting the initial premium and issuing the receipt
- Replacement
- Disclosures at point of sale
- USA PATRIOT Act and anti-money laundering
- Gramm-Leach-Bliley Act privacy
4. Underwriting
- Insurable interest
- Medical information and consumer reports
- Fair Credit Reporting Act
- Risk classification
- Stranger/Investor-owned life insurance

- Types of Policies

1. Combination plans and variations
- Joint life (first to die)
- Survivorship life (second to die)
2. Annuities
- Single and flexible premium
- Immediate and deferred
- Fixed and variable
- Indexed
- Accumulation and annuity periods
- Payout options
3. Traditional whole life products
- Ordinary whole life
- Limited-pay and single-premium life
4. Interest/market-sensitive/adjustable life products
- Universal life
- Variable whole life
- Variable universal life
- Interest-sensitive whole life
- Indexed life
5. Term life
- Types
- Special features

- Retirement and Other Insurance Concepts

1. Tax treatment of insurance premiums, proceeds, and dividends
- Individual life
- Group life
- Modified Endowment Contracts
2. Retirement plans
- Qualified plans
- Nonqualified plans
3. Third-party ownership
4. Life insurance needs analysis and suitability
- Personal insurance needs
- Business insurance needs
5. Group life insurance
- Conversion privilege
- Contributory vs. noncontributory
6. Social Security benefits
7. Life settlements

- Life Provisions, Riders, Options, and Exclusions

1. Policy exclusions
- War
- Aviation
- Dangerous occupation
2. Policy riders
- Waiver of premium and waiver of monthly deduction
- Guaranteed insurability
- Payor benefit
- Accidental death and/or accidental death and dismemberment
- Term riders
- Other insureds
- Long term care
- Return of premium
- Disability
- Cost of Living
3. Policy provisions and options
- Entire contract
- Insuring clause
- Free look
- Consideration
- Owner's rights
- Beneficiary designations
- Premium payment
- Reinstatement
- Policy loans, withdrawals, partial surrenders
- Non-forfeiture options
- Dividends and dividend options
- Incontestability
- Assignments
- Suicide
- Misstatement of age and gender
- Settlement options
- Accelerated death benefits

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

Question #1

Under current Hawaii law, an owner who enters into a life settlement contract generally has the right to rescind the contract on or before:

A. 30 days after execution
B. 60 days after execution
C. 15 days after execution by all parties
D. 10 days after execution

Reveal Solution Discussion 0

Correct Answer: C 🗳️