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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Retirement and Other Life Insurance Concepts | 8% | - Social Security benefits - Third-party ownership - Group life insurance
- Retirement plans
|
| Topic 2: Completing the Application, Underwriting, and Delivering the Policies | 12% | - Completing the application
|
| Topic 3: Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance | 23% | - Marketing practices
- Licensing
|
| Topic 4: Life Provisions, Riders, Options, and Exclusions | 15% | - Policy riders
|
| Topic 5: Types of Policies | 15% | - Interest/market-sensitive/adjustable life products
|
| Topic 6: Hawaii Laws and Rules Pertinent to Life Insurance Only | 12% | - Participation in surplus - Policy clauses and provisions
- Variable contracts - Group life
|
>> Hawaii-Life-Producer Valid Exam Cram <<
Before we start develop a new Hawaii-Life-Producer real exam, we will prepare a lot of materials. After all, we must ensure that all the questions and answers of the Hawaii-Life-Producer exam materials are completely correct. First of all, we have collected all relevant reference books. Most of the Hawaii-Life-Producer Practice Guide is written by the famous experts in the field. And we also add the latest knowledage points into the content of the Hawaii-Life-Producer learning questions, so that they are always being up to date.
NEW QUESTION # 50
The number of continuing education credit hours that a Life and/or Accident and Health Producer must complete to have their license renewed is:
Answer: B
Explanation:
D). 24 credit hours is correct under current Hawai#i law. HRS 431:9A-124 establishes the continuing education requirements that must be satisfied before an insurance producer license is renewed. For a licensee authorized in the Life or Accident and Health or Sickness group, the required total is 24 continuing education credit hours during the applicable renewal cycle. Of these, 21 hours must relate to the line of authority for which the producer is licensed, while three hours must concern ethics training or Hawai#i insurance laws and rules.
Hawai#i applies the same overall 24-hour total to a producer licensed in both major line groups, although the allocation changes: ten hours relate to Life/Accident and Health or Sickness, eleven relate to Property
/Casualty-related lines, and three concern ethics or insurance laws and rules.
The statute also specifies that excess hours ordinarily cannot simply be carried over into another two-year renewal cycle. A producer who fails to complete the CE requirement by the renewal date, absent an approved extension, may have the license automatically placed on inactive status.
Therefore, 18, 20, and 22 hours are below Hawai#i's statutory renewal requirement.
Reference topics: HRS 431:9A-124; Continuing Education; License Renewal; Ethics and Insurance Law Training.
NEW QUESTION # 51
A replacing insurer receives a completed life insurance application indicating that an existing policy will be replaced. Within how many business days must the replacing insurer notify the existing insurer that may be affected?
Answer: B
Explanation:
B). 5 business days is correct. Hawai#i's life insurance and annuity replacement framework imposes specific duties on a replacing insurer once a replacement transaction has been identified. The insurer must verify that required replacement documentation has been received and must notify any existing insurer that may be affected by the replacement within five business days after receiving a completed application indicating replacement, or within five business days after identifying a replacement that was not initially disclosed on the application.
This requirement is designed to give the existing insurer prompt notice so it can provide relevant policy information to the policyowner and ensure that the consumer understands what may be lost by replacing the existing contract. Replacement can affect cash values, surrender charges, guarantees, premiums, and contestability or suicide periods.
Option C is incorrect because ten days is not the statutory notification period between the replacing and existing insurers. Thirty days relates to another important replacement protection-the policyowner's right to return the newly issued replacement contract. Three business days is also unsupported.
The current Hawai#i examination outline specifically tests replacement , including producer and insurer responsibilities.
Reference topics: HRS 431:10D-503 through 431:10D-506; Replacement; Replacing Insurer Duties; Existing Insurer Notification.
NEW QUESTION # 52
A Hawaii producer applies for authority to sell Variable Life and Variable Annuity products. In addition to the appropriate insurance licensing requirements, the producer application requires evidence that the producer:
Answer: C
Explanation:
A is correct. Hawai#i treats Variable Life and Variable Annuity Products as a distinct line of insurance authority because these contracts combine insurance protection with securities-related investment features.
The Hawai#i Insurance Division's official individual licensing application specifies that an applicant seeking the Variable Life and Variable Annuity line must attach a Central Registration Depository (CRD) report showing securities registration in Hawai#i with FINRA .
This additional requirement exists because variable life policies and variable annuities allocate values to separate accounts whose performance may depend on securities such as equity, bond, or money-market investments. Consequently, persons selling these contracts are subject to both relevant insurance licensing requirements and applicable securities regulation.
A producer does not need five years of Life experience merely to obtain variable authority, making B incorrect. A Property insurance line has no relationship to qualification for variable life or variable annuity products. D is plainly incorrect; producers are private licensees regulated by the Insurance Division rather than employees of the Division.
HRS 431:10D-118 also gives the Insurance Commissioner authority to regulate issuance and sale of variable contracts and licensing of persons who sell them.
Reference topics: Variable Life and Variable Annuity Licensing; FINRA/CRD Registration; HRS 431:10D-
118; Separate Accounts.
NEW QUESTION # 53
R is insured under a $25,000 Whole Life policy with an Accidental Death Benefit rider. If R dies as the result of a heart attack while driving to work, R's beneficiary will receive a maximum of which of the following amounts?
Answer: C
Explanation:
B). $25,000 is correct. The Whole Life policy provides a basic death benefit of $25,000 . The Accidental Death Benefit rider can provide an additional amount only when the insured's death satisfies the rider's contractual definition of death resulting from a covered accident .
Here, R dies from a heart attack . The fact that the heart attack occurs while R is driving does not transform the medical event into an accidental death. No automobile collision, external accidental injury, or other qualifying accidental cause is identified. Therefore, the Accidental Death Benefit rider does not add an additional payment. The beneficiary remains entitled to the underlying $25,000 whole life death benefit, assuming the policy is in force and no other contractual adjustment applies.
Option C would generally correspond to the $25,000 basic death benefit plus an equal accidental-death amount if the rider provided "double indemnity" and a qualifying accident occurred. Option D would imply an additional double amount beyond the face value, which the facts do not establish. Option A is incorrect because death from illness does not eliminate the ordinary whole-life benefit.
The Hawai#i examination outline expressly tests Accidental Death and/or AD & D riders .
Reference topics: Policy Riders - Accidental Death and Accidental Death & Dismemberment; Whole Life Death Benefits.
NEW QUESTION # 54
The replacing producer MUST submit the replacement notice to which of the following?
Answer: A
Explanation:
C). The replacing producer's company is correct. Under Hawai#i's life insurance and annuity replacement requirements, the producer who initiates the replacement transaction has specific disclosure and documentation duties. HRS 431:10D-503 requires the producer to determine whether existing coverage is involved and, where appropriate, present the approved replacement notice to the applicant. In connection with a replacement, the producer must then submit the required documents to the insurer to which the new application is presented . In examination terminology, that is the replacing producer's insurer or company.
The replacing insurer , not the individual producer, then has the statutory responsibility to notify any existing insurer that may be affected by the replacement within the prescribed period.
This distinction eliminates A. The replacing producer does not submit the statutory replacement notice to the customer's existing producer. B is incorrect because the notice is not routinely submitted to the Insurance Commissioner as part of each transaction. D is unrelated because beneficiaries have no administrative role in processing replacement disclosures.
The 2026 Hawai#i Life Producer outline expressly tests replacement and the separate duties of producers, replacing insurers, and existing insurers.
Reference topics: HRS 431:10D-503 through 431:10D-506; Replacement; Duties of Producers; Duties of Replacing Insurers.
NEW QUESTION # 55
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