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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

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

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

2. A Hawaii producer deposits insurance premium funds into a properly designated premium trustee account that earns interest. The producer may retain the interest for personal use only if:

A) the insurer or person entitled to the funds gives prior written consent
B) the producer has held a license for at least five years
C) the amount of interest is less than $100
D) the producer reports the interest as taxable income

3. A beneficiary receives a $300,000 lump-sum life insurance death benefit from a policy that was not transferred for value. Under the general federal income-tax rule, the $300,000 death benefit is:

A) subject to capital gains tax
B) fully taxable as ordinary income
C) generally excluded from gross income
D) taxable only if the beneficiary is not related to the insured

4. An annuity annual report is REQUIRED for which of the following?

A) Deferred annuities
B) Immediate annuities
C) Fixed annuities once annuitized
D) Variable annuity once annuitized

5. Coverage will begin on the day an insured signs a nonmedical application only if the producer takes which of the following actions on the same day?

A) Sends the application to the insurance company
B) Orders a Medical Information Bureau (MIB) report on the applicant
C) Countersigns the application
D) Collects the initial premium

Solutions: