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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

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

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

Question 1

Mr. and Mrs. X have a one-month-old infant. They would like a $250,000 life insurance policy on Mr. X with the lowest premium for the next 20 years. The suitable policy recommendation would be a:

A. 20-Pay Life
B. 20-year Level Term
C. 20-year Increasing Term
D. Variable Life funded for 20 years

Question 2

A Hawaii producer applies for authority to sell Variable Life and Variable Annuity products. In addition to the appropriate insurance licensing requirements, the producer application requires evidence that the producer:

A. is registered for securities in Hawaii with FINRA
B. holds a Property insurance license
C. is employed directly by the Insurance Division
D. has been a Life producer for five years

Question 3

An individual annuity contract delivered in Hawaii that requires continuing stipulated payments must generally provide a grace period of at least:

A. 30 days
B. 10 days
C. 15 days
D. 45 days

Question 4

Which of the following statements about an individual life policy premium is CORRECT?

A. It excludes expenses and load charges.
B. It excludes all taxes.
C. It excludes policy issuance fees.
D. It must contain all charges.

Question 5

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

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

Solutions:

Question 1
Answer: B

Question 2
Answer: A

Question 3
Answer: A

Question 4
Answer: D

Question 5
Answer: C

Insurance Licensing Hawaii-Life-Producer : Hawaii Life Producer Exam (InsHI_Life01 OPLife01)

4.When will release new version?

5.How to choose Hawaii-Life-Producer test engine or Hawaii-Life-Producer online test engine?

2.Will you fulfill our promise to refund if they fail Hawaii Insurance exam with our products?

1.Is your Hawaii-Life-Producer test online valid?

3.Why other companies' test questions are more (less) than yours?

Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

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

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