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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Retirement and Other Life Insurance Concepts | 8% | - Group life insurance
- Life insurance needs analysis and suitability
- Tax treatment of insurance premiums, proceeds, and dividends - Third-party ownership |
| Topic 2: Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance | 23% | - Guaranty associations - Licensing
|
| Topic 3: Types of Policies | 15% | - Interest/market-sensitive/adjustable life products
|
| Topic 4: Hawaii Laws and Rules Pertinent to Life Insurance Only | 12% | - Credit life - Group life
- Variable contracts |
| Topic 5: Completing the Application, Underwriting, and Delivering the Policies | 12% | - Contract law
|
| Topic 6: Life Provisions, Riders, Options, and Exclusions | 15% | - Policy exclusions
|
Insurance Licensing Hawaii Life Producer Exam (InsHI_Life01 OPLife01) Sample Questions:
1. Insurance producers in Hawaii are required to maintain records of insurance transactions for a MINIMUM of how many years?
A) Three
B) Five
C) Seven
D) Ten
2. A convicted felon may receive a life or health license only if a felony waiver is approved by:
A) the Insurance Commissioner
B) the appointing general agent
C) a court order
D) the local police department
3. Records supporting an annuity recommendation, including consumer information and disclosures, must generally be maintained or made available to the Hawaii Insurance Commissioner for how long after the insurance transaction is completed?
A) 10 years
B) 5 years
C) 2 years
D) 3 years
4. 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) generally excluded from gross income
B) taxable only if the beneficiary is not related to the insured
C) subject to capital gains tax
D) fully taxable as ordinary income
5. A group life insurance policy may NOT insure groups consisting exclusively of persons who are:
A) administrative, managerial, or sales personnel
B) related by marriage, blood, or legal adoption
C) salaried, clerical, or administrative employees
D) hourly paid laborers or their supervisors
Solutions:
| Question # 1 Answer: B | Question # 2 Answer: A | Question # 3 Answer: B | Question # 4 Answer: A | Question # 5 Answer: B |
