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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

Section

Objectives

Life - General Knowledge

- Types of Policies

1. Term life
- Types
- Special features
2. Interest/market-sensitive/adjustable life products
- Universal life
- Variable whole life
- Variable universal life
- Interest-sensitive whole life
- Indexed life
3. Traditional whole life products
- Ordinary whole life
- Limited-pay and single-premium life
4. Annuities
- Single and flexible premium
- Immediate and deferred
- Fixed and variable
- Indexed
- Accumulation and annuity periods
- Payout options
5. Combination plans and variations
- Joint life (first to die)
- Survivorship life (second to die)

- Completing the Application, Underwriting, and Delivering the Policies

1. Delivering the policy
- When coverage begins
- Explaining the policy and its provisions, riders, exclusions, and ratings to the client
2. Contract law
- Elements of a contract
- Unique aspects of the insurance contract
3. Completing the application
- Required signatures
- Changes in the application
- Consequences of incomplete applications
- Warranties and representations
- Collecting the initial premium and issuing the receipt
- Replacement
- Disclosures at point of sale
- USA PATRIOT Act and anti-money laundering
- Gramm-Leach-Bliley Act privacy
4. Underwriting
- Insurable interest
- Medical information and consumer reports
- Fair Credit Reporting Act
- Risk classification
- Stranger/Investor-owned life insurance

- Life Provisions, Riders, Options, and Exclusions

1. Policy exclusions
- War
- Aviation
- Dangerous occupation
2. Policy riders
- Waiver of premium and waiver of monthly deduction
- Guaranteed insurability
- Payor benefit
- Accidental death and/or accidental death and dismemberment
- Term riders
- Other insureds
- Long term care
- Return of premium
- Disability
- Cost of Living
3. Policy provisions and options
- Entire contract
- Insuring clause
- Free look
- Consideration
- Owner's rights
- Beneficiary designations
- Premium payment
- Reinstatement
- Policy loans, withdrawals, partial surrenders
- Non-forfeiture options
- Dividends and dividend options
- Incontestability
- Assignments
- Suicide
- Misstatement of age and gender
- Settlement options
- Accelerated death benefits

- Retirement and Other Insurance Concepts

1. Social Security benefits
2. Life settlements
3. Retirement plans
- Qualified plans
- Nonqualified plans
4. Life insurance needs analysis and suitability
- Personal insurance needs
- Business insurance needs
5. Tax treatment of insurance premiums, proceeds, and dividends
- Individual life
- Group life
- Modified Endowment Contracts
6. Third-party ownership
7. Group life insurance
- Conversion privilege
- Contributory vs. noncontributory

Life - Hawaii Specific

- Hawaii Laws and Rules Pertinent to Life Insurance Only

1. Credit Life
2. Marketing methods and practices
- Replacement
- Annuities
3. Participation in Surplus
4. Group Life
- Group requirements
- Assignment of proceeds
- Conversion
5. Variable Contracts
6. Policy Clauses and Provisions
- Protection of beneficiaries from creditors
- Policy loan interest rate
- Spouse's rights

- Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance

1. Marketing practices
- Unfair and deceptive practices
- Reporting and accounting for premiums
- Sharing commissions
- Required records and record retention
- Controlled business
- Premiums
2. Definitions
- Authorized and unauthorized
- Domestic, foreign, and alien
- Stock, reciprocal and mutual
- Certificate of authority
- Insurance
3. Guaranty Associations
4. Insurance Commissioner
- General powers and duties
- Examination of records
- Notice of hearings
- Penalties
5. Licensing
- General qualifications for licensing
- Persons required to be licensed
- Denial, suspension, and revocation of licenses
- Renewal of license and continuing education

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

Question #1

The purpose of a Policy Summary is to:

A. describe the issuing insurer to the insured
B. highlight the coverages, riders, and exclusions of the issued policy
C. provide the conditional receipt
D. educate the client at the time of application about the types of insurance available

Reveal Solution Discussion 0

Correct Answer: B 🗳️