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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

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

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

Question #1

Before an insurance company may deliver variable life insurance or variable annuity contracts in Hawaii, the company must be licensed or organized to conduct:

A. Life insurance or annuity business
B. Title insurance business
C. Casualty insurance business
D. Property insurance business

Reveal Solution Discussion 0

Correct Answer: A 🗳️