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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Types of Policies | 15% | - Term life
|
| Completing the Application, Underwriting, and Delivering the Policies | 12% | - Completing the application
|
| Life Provisions, Riders, Options, and Exclusions | 15% | - Policy exclusions
|
| Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance | 23% | - Guaranty associations - Definitions
|
| Hawaii Laws and Rules Pertinent to Life Insurance Only | 12% | - Marketing methods and practices
- Credit life - Variable contracts - Group life
|
| Retirement and Other Life Insurance Concepts | 8% | - Group life insurance
- Tax treatment of insurance premiums, proceeds, and dividends - Life insurance needs analysis and suitability
- Retirement plans
|
Insurance Licensing Hawaii Life Producer Exam (InsHI_Life01 OPLife01) Sample Questions:
Question 1
Under the terms of a participating life insurance policy, an insurance company is required to:
A. notify policyowners of interest options available
B. annually ascertain and apportion any divisible surplus to policyowners, beginning no later than the end of the third policy year
C. pay policyowners the apportioned divisible surplus only when the full amount is to be reinvested automatically
D. inform policyowners that their dividend surplus cannot be used to purchase additional coverage
Question 2
Making maliciously critical or false statements about the financial condition of an insurance company is an unfair method of competition known as:
A. defamation
B. intimidation
C. coercion
D. discrimination
Question 3
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-year Increasing Term
B. 20-year Level Term
C. Variable Life funded for 20 years
D. 20-Pay Life
Question 4
Adjustable Life insurance is designed to meet an insured's need for:
A. optimum cash value
B. flexible Settlement Options
C. flexible premiums
D. optimum retirement funds
Question 5
A corporation offers a $10,000 employee group Life policy and pays a $5 monthly premium for each covered employee. How much additional taxable income per employee MUST the corporation report?
A. Only premiums exceeding $50 a year
B. No premium tax is required
C. All premiums paid in a year
D. Only premiums exceeding $30 a year
Solutions:
| Question 1 Answer: B | Question 2 Answer: A | Question 3 Answer: B | Question 4 Answer: C | Question 5 Answer: B |
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