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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Provisions, Riders, Options, and Exclusions | 15% | - Policy provisions and options
|
| Topic 2: Hawaii Laws and Rules Pertinent to Life Insurance Only | 12% | - Marketing methods and practices
- Variable contracts - Policy clauses and provisions
|
| Topic 3: Retirement and Other Life Insurance Concepts | 8% | - Third-party ownership - Life insurance needs analysis and suitability
- Social Security benefits - Life settlements |
| Topic 4: Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance | 23% | - Guaranty associations - Licensing
|
| Topic 5: Types of Policies | 15% | - Interest/market-sensitive/adjustable life products
|
| Topic 6: Completing the Application, Underwriting, and Delivering the Policies | 12% | - Underwriting
|
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質問 # 74
A Life insurance policy is issued with an exclusion rider for a past health condition. Which of the following actions MUST a producer take when the policy is delivered?
正解：B
解説：
A is the intended policy-delivery answer. When an insurer issues a policy on terms that differ materially from the coverage originally applied for-such as through a rider, limitation, or other modification-the producer must clearly explain the issued coverage and ensure that the applicant understands any restrictions before accepting the policy. Hawai#i's Insurance Division specifically instructs consumers to read the policy carefully after receipt and ask the insurance agent to explain any points that are not understood . The producer examination outline likewise tests policy delivery, explaining the policy, and policy exclusions.
Options B, C, and D do not satisfy this responsibility. A producer cannot independently alter inaccurate application statements after underwriting; changes must be handled under the insurer's established application procedures. A return receipt is not the core requirement, nor does delivery without an applicant signature resolve a modified-coverage issue.
There is, however, an important Hawai#i-specific legal qualification to the wording of this question. HRS
431:10D-108 restricts the death exclusions that an individual life policy may contain to specified categories such as war, aviation, hazardous occupations, certain foreign residence, and suicide. A generic exclusion of death arising from a past health condition is therefore not a sound Hawai#i-specific example of a permissible individual-life exclusion. The tested delivery principle remains A .
Reference topics: Policy Delivery; Policy Exclusions; Producer Responsibilities; HRS 431:10D-108.
質問 # 75
A Hawaii group life insurance policyholder fails to pay a premium when due. Except for the first premium, the group policy must generally provide a grace period of at least:
正解：B
解説：
C). 30 days is correct. Hawai#i's statutory group life insurance provisions require a group policy to provide the policyholder with a grace period of not fewer than thirty days for payment of premiums due after the first premium. During that grace period, death-benefit coverage generally remains in force unless the policyholder previously gave the insurer written notice of discontinuance in accordance with the policy. Hawai#i's legislative text establishing the standard group life provisions states this thirty-day minimum expressly.
The insurer may make the policyholder responsible for a pro rata premium for the period during which coverage continues in force during the grace period. The provision protects insured group members from an immediate loss of death-benefit coverage solely because the group policyholder's premium payment is temporarily overdue.
A grace period is different from a free-look provision. A free look gives a new purchaser an opportunity to review and return a newly issued contract. A grace period concerns late premium payment after coverage is already in effect .
Ten and fifteen days do not satisfy the statutory group-life minimum. Sixty days exceeds the required minimum and is not the standard period tested.
Reference topics: HRS 431:10D-213; Group Life Standard Provisions; Grace Period; Premium Payment.
質問 # 76
An insured replaces a life insurance policy with another policy issued by the SAME insurer. With respect to the new policy's incontestability and suicide periods, the replacing insurer must generally:
正解：C
解説：
C is correct. Hawai#i provides an important consumer protection when replacement occurs between policies issued by the same insurer or insurers under common ownership or control . In such a transaction, the replacing insurer must give credit for the time that has already elapsed under the existing contract's incontestability and suicide periods , up to the face amount of the existing policy or contract.
This prevents an insured who has already satisfied part or all of these protective periods from unnecessarily starting over solely because coverage is replaced within the same insurer or affiliated insurance group. If the new policy provides a larger face amount, however, the statutory credit applies only up to the existing policy's amount; incremental coverage can remain subject to the provisions governing the newly issued insurance.
Option A ignores this Hawai#i-specific replacement safeguard. Option B has no relationship to incontestability or suicide provisions. Option D incorrectly makes beneficiary continuity a condition; the statutory rule concerns the insurer relationship, replacement transaction, elapsed period, and existing face amount.
Replacement questions are particularly important because new contestability, surrender-charge, and suicide provisions can materially affect a policyowner.
Reference topics: HRS 431:10D-505; Replacement; Incontestability; Suicide Provision; Replacing Insurer Duties.
質問 # 77
A Hawaii policyowner whose annual report does not include an in-force illustration requests a current illustration from the insurer. If the policyowner does not receive the illustration within how many days, the required notice advises the policyowner to contact the state insurance department?
正解：B
解説：
C). 30 days is correct. Hawai#i's life insurance illustration requirements provide ongoing consumer protection after a policy has been issued. Under HRS 431:10D-408, when the annual policy report does not itself include an in-force illustration , the report must prominently inform the policyowner that a current illustration may be requested annually without charge.
The required notice further advises that the policyowner should not consider replacing the policy or making significant changes in coverage without first obtaining current information about how the policy is performing. If the requested current illustration is not received within thirty days , the policyowner is directed to contact the state insurance department.
This requirement is particularly relevant for policies containing non-guaranteed elements , such as certain dividends, interest credits, or other illustrated policy values. An in-force illustration allows the owner to compare actual policy development with current assumptions and guarantees.
The requirement also supports informed replacement decisions because an owner should understand existing policy values before surrendering or replacing coverage.
Ten and fifteen days are shorter than the prescribed period, while sixty days exceeds it.
Reference topics: HRS 431:10D-408; Life Insurance Illustrations; Annual Reports; In-Force Illustrations; Consumer Disclosure.
質問 # 78
The purpose of a Policy Summary is to:
正解：B
解説：
A Policy Summary concerns the specific life insurance policy being issued or maintained; it is not a general educational document describing all types of insurance. Therefore, D is the best answer . Hawai#i's statutory life-insurance framework uses a policy summary as a disclosure concerning the actual policy or contract. For example, the statutory framework for life insurance replacements describes policy-summary information in terms of policy-specific items such as the death benefit, premium, cash surrender value, dividends, loans, and other policy values. Hawai#i's replacement notice also specifically distinguishes a policy summary from general sales material and treats it as information that helps the policyholder evaluate the actual coverage.
Option B is more characteristic of a buyer's guide or general consumer educational material , which explains types of insurance before or during the purchase decision. Option C is incorrect because a conditional receipt deals with when temporary or conditional coverage may begin after an application and premium are submitted. Option A is also too narrow; identifying the insurer is not the fundamental function of a policy summary.
Reference topics: Hawai#i Life-General Knowledge Content Outline - Life Provisions, Riders, Options and Exclusions; policy disclosures and delivery; Hawai#i life-insurance disclosure requirements.
質問 # 79
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