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| Section | Weight | Objectives |
|---|---|---|
| Hawaii Laws and Rules Pertinent to Life Insurance Only | 12% | - Variable contracts - Policy clauses and provisions
- Group life
|
| Life Provisions, Riders, Options, and Exclusions | 15% | - Policy provisions and options
|
| Types of Policies | 15% | - Interest/market-sensitive/adjustable life products
|
| Completing the Application, Underwriting, and Delivering the Policies | 12% | - Contract law
|
| Retirement and Other Life Insurance Concepts | 8% | - Life insurance needs analysis and suitability
- Life settlements - Social Security benefits - Group life insurance
|
| Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance | 23% | - Definitions
- Insurance Commissioner
|
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NEW QUESTION # 67
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:
Answer: B
Explanation:
D). coercion is correct. Hawai#i insurance regulation prohibits marketing practices that use improper pressure, intimidation, or threats to influence a consumer's insurance decision. Hawai#i Administrative Rules expressly classify as high-pressure tactics any method of marketing that induces or tends to induce the purchase of insurance through force, fright, threat, whether explicit or implied, or undue pressure . This language directly matches the scenario in the question.
The broader Hawai#i Insurance Code reinforces this principle. HRS 431:13-103 identifies boycott, coercion, and intimidation as prohibited unfair methods of competition when the conduct results in, or tends to result in, an unreasonable restraint within the insurance business.
The remaining choices describe different prohibited practices. Rebating involves offering an unauthorized premium reduction, benefit, or valuable inducement not stated in the policy. Twisting involves misleading comparisons or representations intended to cause replacement, lapse, surrender, or conversion of existing insurance. Cold lead advertising involves marketing that fails to disclose conspicuously that its purpose is insurance solicitation and that an insurance representative will make contact. Hawai#i's administrative rules distinguish all three practices from high-pressure tactics.
Reference topics: Hawai#i Administrative Rules 16-12-12.2; HRS 431:13-103; Coercion and Intimidation; High-Pressure Marketing Tactics; Unfair Trade Practices.
NEW QUESTION # 68
Records supporting an annuity recommendation, including consumer information and disclosures, must generally be maintained or made available to the Hawaii Insurance Commissioner for how long after the insurance transaction is completed?
Answer: A
Explanation:
C). 5 years is correct. Hawai#i's annuity best-interest framework contains a specific recordkeeping requirement. Under HRS 431:10D-625, insurers, managing general agents, independent agencies, and producers must maintain-or make available to the Insurance Commissioner-records relating to the consumer information gathered, disclosures provided, summaries of oral disclosures, and other information forming the basis for an annuity recommendation. These records must be available for five years after the insurance transaction has been completed by the insurer .
The insurer may maintain documentation on the producer's behalf, but that does not eliminate the underlying compliance obligation. Documentation is critical because Hawai#i's annuity rules require producers to make recommendations based on the consumer's financial situation, insurance needs, objectives, liquidity requirements, risk tolerance, and other relevant profile information.
Options A and B are too short to satisfy the statutory annuity recordkeeping period. Ten years exceeds the required period.
This rule should also be distinguished from other Hawai#i insurance record-retention requirements, since different records-such as general producer transactions, illustrations, or replacement documentation-may be governed by different provisions.
Reference topics: HRS 431:10D-625; Annuity Recordkeeping; Best-Interest Standard; Consumer Profile Information.
NEW QUESTION # 69
An annuity annual report is REQUIRED for which of the following?
Answer: A
Explanation:
D). Deferred annuities is the correct examination answer. Hawai#i law specifically requires an insurer to provide an annuity contract owner with a status report at least annually during the accumulation period of a deferred annuity . HRS 431:10D-604 also requires an annual report for certain annuities in the payout period when non-guaranteed elements can change. The required report includes the reporting-period dates, applicable accumulation and cash-surrender values, amounts credited or charged, payments made during the period, and outstanding loans.
The important term in the question is deferred . A deferred annuity has an accumulation period before income payments begin, making periodic reporting particularly important because the owner needs updated information about contract values and transactions.
Option C is too broad because merely being an immediate annuity does not itself trigger this particular accumulation-period reporting requirement. Likewise, "fixed annuities once annuitized" does not accurately state the statutory condition. Option B is not the best answer because variable annuities are subject to their own regulatory and securities-related reporting structures and are treated separately in Hawai#i's annuity- disclosure rules.
The 2026 Hawai#i examination outline specifically tests immediate versus deferred annuities, fixed versus variable annuities, and accumulation versus annuity periods.
Reference topics: HRS 431:10D-604; Annuity Disclosure; Deferred Annuities; Accumulation Period.
NEW QUESTION # 70
Making maliciously critical or false statements about the financial condition of an insurance company is an unfair method of competition known as:
Answer: C
Explanation:
C). defamation is correct and is directly supported by Hawai#i insurance law. HRS 431:13-103 classifies certain conduct as unfair methods of competition or unfair or deceptive practices in the insurance business.
Under the statutory provision specifically titled Defamation , prohibited conduct includes making, publishing, disseminating, or circulating statements that are false or maliciously critical or derogatory concerning an insurer's financial condition when calculated to injure a person engaged in the insurance business.
That language closely matches the question. The critical elements are a false or maliciously derogatory statement , an insurer's financial condition, and the potential to injure another participant in the insurance business.
Intimidation and coercion constitute a separate category of prohibited conduct. Hawai#i law addresses boycott, coercion, and intimidation where behavior tends to create unreasonable restraint or monopoly in the insurance business. Discrimination concerns impermissibly unequal treatment of similarly situated insurance applicants or policyholders and does not describe malicious statements about another insurer.
Therefore, when examination wording refers specifically to false or malicious statements concerning an insurer's finances or reputation, the producer should identify the violation as defamation .
Reference topics: HRS 431:13-103 - Unfair Methods of Competition; Defamation; Boycott, Coercion and Intimidation; Marketing Conduct.
NEW QUESTION # 71
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: D
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 # 72
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