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:

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

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

Question #1

Except when a statutory exception applies, Hawaii generally prohibits entering into a life settlement contract during what period following issuance of the life insurance policy?

A. 1 year
B. 5 years
C. 2 years
D. 6 months

Answer: C