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  • Exam Code: Hawaii-Life-Producer
  • Exam Name: Hawaii Life Producer Exam (InsHI_Life01 OPLife01)
  • Updated: Sep 11, 2026
  • Q & A: 120 Questions and Answers
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  • Exam Code: Hawaii-Life-Producer
  • Exam Name: Hawaii Life Producer Exam (InsHI_Life01 OPLife01)
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  • Exam Code: Hawaii-Life-Producer
  • Exam Name: Hawaii Life Producer Exam (InsHI_Life01 OPLife01)
  • Updated: Sep 11, 2026
  • Q & A: 120 Questions and Answers
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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Hawaii Insurance Laws, Rules, and Regulations~41%- Hawaii Common Insurance Law
  • 1. Licensing and producer requirements
    • 2. Insurance statutes and rules
      • 3. Commissioner authority and duties
        - Hawaii-Specific Life Insurance Rules
        • 1. Annuity and suitability requirements
          • 2. Marketing practices and ethics
            • 3. Policy forms and approval
              Topic 2: Life-General Knowledge~59%- Types of Policies
              • 1. Term life insurance
                • 2. Annuities
                  • 3. Combination plans and variations
                    • 4. Traditional whole life products
                      • 5. Interest/market-sensitive life products
                        - Life Provisions, Riders, Options, and Exclusions
                        • 1. Exclusions and limitations
                          • 2. Beneficiary designations and settlement options
                            • 3. Policy provisions and clauses
                              • 4. Common policy riders
                                - Life Insurance Concepts and Application
                                • 1. Policy replacement and disclosure
                                  • 2. Taxation and retirement concepts
                                    • 3. Underwriting and policy issue

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

                                      Question #1

                                      The replacing producer MUST submit the replacement notice to which of the following?

                                      • A. The insured's beneficiary
                                      • B. The Insurance Commissioner
                                      • C. The replacing producer's company
                                      • D. The client's existing insurance producer
                                      Answer: C

                                      Explanation: Only visible for Prep4SureReview members. You can sign-up / login (it's free).

                                      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. intimidation
                                      • B. discrimination
                                      • C. defamation
                                      • D. coercion
                                      Answer: C

                                      Explanation: Only visible for Prep4SureReview members. You can sign-up / login (it's free).

                                      Question #3

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

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

                                      Explanation: Only visible for Prep4SureReview members. You can sign-up / login (it's free).

                                      Question #4

                                      Employing any method of marketing having the effect of or tending to induce the purchase of insurance through fright or threat, whether explicit or implied, is an example of:

                                      • A. twisting
                                      • B. coercion
                                      • C. cold lead advertising
                                      • D. rebating
                                      Answer: B

                                      Explanation: Only visible for Prep4SureReview members. You can sign-up / login (it's free).

                                      Question #5

                                      A purpose of the Hawaii Life and Disability Insurance Guaranty Association Act is to:

                                      • A. prohibit excessive insurance rates
                                      • B. return excess premium charges to policyowners
                                      • C. provide a profit to insurance companies operating in Hawaii
                                      • D. reduce financial loss to policyowners caused by admitted insurance company insolvency
                                      Answer: D

                                      Explanation: Only visible for Prep4SureReview members. You can sign-up / login (it's free).

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