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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Retirement and Other Life Insurance Concepts | 8% | - Life settlements - Social Security benefits - Tax treatment of insurance premiums, proceeds, and dividends - Life insurance needs analysis and suitability
|
| Topic 2: Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance | 23% | - Marketing practices
|
| Topic 3: Hawaii Laws and Rules Pertinent to Life Insurance Only | 12% | - Credit life - Group life
- Participation in surplus |
| Topic 4: Completing the Application, Underwriting, and Delivering the Policies | 12% | - Contract law
|
| Topic 5: Types of Policies | 15% | - Interest/market-sensitive/adjustable life products
|
| Topic 6: Life Provisions, Riders, Options, and Exclusions | 15% | - Policy provisions and options
|
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質問 # 66
An insurance company formed under the laws of Canada would be known in Hawaii as:
正解：C
解説：
B). an alien company is correct. Hawai#i classifies insurers according to the jurisdiction under whose laws they are organized. HRS 431:3-101 defines an alien insurer as an insurer formed under the laws of a nation other than the United States. Canada is a separate sovereign nation; consequently, an insurer organized under Canadian law is classified as an alien insurer when operating in Hawai#i. The statutory definition appears directly in Hawai#i's Insurance Code.
A domestic insurer is organized under Hawai#i law. A foreign insurer is generally an insurer organized under the laws of another U.S. state rather than Hawai#i. Consequently, an insurer organized in California, for example, would be foreign in Hawai#i, whereas an insurer organized in Canada, Japan, or another country outside the United States would be alien.
Option D is not a geographic classification at all. "Mutual" identifies an insurer's ownership structure- generally an insurer owned by its policyholders-and a mutual insurer could itself be domestic, foreign, or alien depending on where it was organized.
This domestic/foreign/alien distinction is a core Hawai#i producer licensing concept because regulatory requirements differ according to an insurer's domicile.
Reference topics: HRS 431:3-101, 431:3-104 and 431:3-105; Insurer Classification; Domestic, Foreign and Alien Insurers.
質問 # 67
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?
正解：C
解説：
D is the correct examination answer. Although the wording "No premium tax is required" is somewhat imprecise relative to the question's reference to taxable income, the underlying rule is clear: employer- provided group-term life insurance generally creates no imputed taxable income when coverage does not exceed $50,000 .
The corporation provides only $10,000 of coverage per employee , which is well below the federal exclusion threshold. The fact that the employer pays $5 per month, or $60 annually, does not make that $60 taxable merely because the premium exceeds a particular dollar amount. The federal tax rule is primarily based on the amount of group-term life coverage , not whether the employer's actual annual premium exceeds $30 or $50.
The IRS states that IRC 79 excludes the cost of the first $50,000 of employer-provided group-term life insurance and expressly states that there are no tax consequences when total qualifying coverage does not exceed $50,000. Only the imputed cost associated with qualifying coverage above $50,000 is generally included in the employee's income.
The Hawai#i examination outline specifically includes tax treatment of group life insurance as an examinable concept.
Reference topics: Tax Treatment of Insurance Premiums and Proceeds; Group Life Insurance; IRC 79.
質問 # 68
A Hawaii producer deposits insurance premium funds into a properly designated premium trustee account that earns interest. The producer may retain the interest for personal use only if:
正解：C
質問 # 69
After receiving a notice that an insurer has appointed a producer, the Hawaii Insurance Commissioner must verify the producer's eligibility within a reasonable time not exceeding:
正解：C
解説：
C). 30 days is correct. Hawai#i law establishes two different time periods within the appointment process, and producers should distinguish them carefully. First, the insurer generally files the appointment notice within 15 days after the applicable triggering event. After receiving that notice, the Insurance Commissioner must verify that the producer is eligible for appointment within a reasonable period that may not exceed thirty days .
If the Commissioner determines that the producer is ineligible for appointment, Hawai#i law further requires notice to the appointing insurer within five days of that determination. Consequently, three separate timing concepts can appear in examination questions: fifteen days for filing the appointment, up to thirty days for the Commissioner's eligibility verification, and five days for notification after an ineligibility determination.
The eligibility review helps ensure that a producer has a valid license, possesses the necessary line of authority, and is not otherwise prohibited from acting as the insurer's appointed agent. An insurer appointment cannot cure an underlying licensing deficiency.
Options A and B shorten the statutory verification period, while sixty days exceeds the maximum time permitted.
Reference topics: HRS 431:9A-114; Producer Eligibility; Appointment Verification; Insurance Commissioner Responsibilities.
質問 # 70
Under a Hawaii debtor group life policy, the insured debtor dies when the insurance benefit is greater than the debtor's remaining unpaid indebtedness. After the creditor's debt is satisfied, the excess insurance proceeds must generally be:
正解：B
解説：
C is correct. Hawai#i's debtor group life provisions recognize that the creditor's legitimate insurable interest is principally the amount of the outstanding indebtedness . Under HRS 431:10D-203, insurance payable to the creditor reduces or extinguishes the unpaid debt to the extent of the payment. If the amount of insurance exceeds the remaining indebtedness, the excess does not become a windfall to the creditor. Instead, it must generally be payable to a beneficiary other than the creditor named by the debtor, or to the debtor's estate .
This reflects the fundamental purpose of debtor group life insurance: protect the credit obligation while preserving any insurance value exceeding the debt for the debtor's beneficiary interests.
For example, if the debtor dies owing $15,000 and qualifying group life insurance pays $20,000, $15,000 can satisfy the debt. The remaining $5,000 is handled according to the statutory beneficiary rule rather than being retained by the creditor.
Options A and D would improperly permit the creditor to receive funds beyond its remaining economic interest. Option B is also incorrect because the insurer's obligation is to distribute contractual proceeds rather than retain the excess.
Reference topics: HRS 431:10D-203; Debtor Group Life; Creditor Benefits; Beneficiary Rights; Group Life Insurance.
質問 # 71
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