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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life-General Knowledge | ~59% | - Life Provisions, Riders, Options, and Exclusions
|
| Topic 2: Hawaii Insurance Laws, Rules, and Regulations | ~41% | - Hawaii-Specific Life Insurance Rules
|
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37. Frage
A Hawaii insurance producer is the subject of an administrative action in another state. The matter reaches final disposition on March 1. The producer must generally report the action to the Hawaii Insurance Commissioner within:
Antwort: D
Begründung:
C). 30 days is correct. Hawai#i producer law requires licensed producers to disclose specified regulatory and legal actions to the Insurance Commissioner. HRS 431:9A-117 provides that a producer must report a civil or administrative action taken against the producer in any jurisdiction or by a governmental agency within thirty days of the final disposition of the matter . The report must include relevant legal documentation.
The statute separately addresses criminal proceedings. A producer who is criminally prosecuted must report that prosecution within thirty days of arraignment , rather than waiting for final disposition. The distinction between these triggers is important for examination purposes.
The question states that the administrative matter reached final disposition on March 1, so the producer's thirty-day reporting period begins from that event. The producer cannot postpone disclosure until license renewal or wait until requested by the Commissioner.
Ten or fifteen days are not the statutory periods specified for these actions, and sixty days is too long.
The reporting obligation enables the Hawai#i Insurance Division to determine whether conduct occurring in another jurisdiction affects the producer's continued fitness or eligibility to transact insurance in Hawai#i.
Reference topics: HRS 431:9A-117; Reporting of Actions; Producer Licensing; Administrative and Criminal Proceedings.
38. Frage
A group life insurance policy may NOT insure groups consisting exclusively of persons who are:
Antwort: C
Begründung:
D is the intended Hawai#i examination answer. Hawai#i's group-life framework recognizes legitimate groups formed around an employment, union, association, professional, credit-union, or comparable relationship rather than groups created solely because insurance is desired. HRS 431:10D-201 separately addresses contracts covering individuals related by marriage, blood, or legal adoption , distinguishing such family-only arrangements from the ordinary qualifying group-life categories established in Part II of Article
10D. Hawai#i subsequently expanded the wording to include civil-union relationships while retaining marriage, blood, and legal adoption.
Options A, B, and C can represent legitimate employee classes within an employer-sponsored group. Group insurance laws permit coverage to be structured around bona fide employment classifications, provided the classification is based on employment conditions and not created merely for individual risk selection.
Option D instead describes a group whose sole common relationship is familial. Such a family grouping does not constitute the type of bona fide employee or association group contemplated by the standard group-life categories tested by the producer examination.
The practical examination rule is that a group must ordinarily exist for a substantive purpose apart from obtaining insurance; merely assembling relatives does not convert the family into an eligible conventional group-life class.
Reference topics: HRS 431:10D-201; Group Life Insurance Requirements; Employee Groups; Eligible Group Classification.
39. Frage
A producer may have placed excessive controlled business when insurance written on the producer and the producer's family during a two-year period exceeds:
Antwort: C
Begründung:
A is correct. Hawai#i's controlled-business provisions are intended to prevent a person from obtaining and maintaining an insurance producer license primarily for the purpose of writing insurance on the producer, the producer's family, or other closely controlled interests rather than conducting genuine insurance business with the public.
Under Hawai#i law, excessive controlled business exists for licensing purposes when, during the applicable statutory measurement period, the aggregate premiums on controlled business exceed the aggregate premiums on all other insurance business written by the producer. Official Hawai#i legislative text preserves this controlled-business standard.
If controlled-business premiums exceed premiums from all other risks, controlled business necessarily represents more than one-half of total premiums written . That mathematical relationship makes option A the correct choice.
The statute evaluates the relevant premium relationship within the prescribed calendar-year framework associated with the producer's licensing history; the practice question summarizes that concept as business written during a two-year period. Candidates should focus on the controlling threshold: controlled premiums cannot become the majority of the producer's overall premium production.
Options C and D use incorrect measures or percentages. The test concerns premium volume , not the aggregate face amount of insurance issued.
Reference topics: Controlled Business; Producer Licensing Eligibility; Premium Volume; Hawai#i Insurance Producer Requirements.
40. Frage
A Hawaii labor union group life insurance policy requires insured members to contribute part of the premium.
What percentage of eligible members, excluding those whose individual insurability is unsatisfactory, must elect to make the required contributions?
Antwort: C
Begründung:
C). 75% is correct. Hawai#i establishes specific participation rules for life insurance issued to qualifying labor union groups . HRS 431:10D-204 permits premiums to be paid entirely from union funds or from a combination of union funds and contributions made by insured members. When part of the premium is derived from members specifically for their insurance, the policy may be placed in force only if at least 75% of the then-eligible members elect to make the required contributions, excluding persons for whom evidence of individual insurability is unsatisfactory to the insurer.
This participation requirement reduces adverse selection. If membership participation in a contributory group were too low, individuals who expect to need insurance most could disproportionately elect coverage, undermining the group underwriting basis.
The rule differs when members are not required to contribute. A noncontributory arrangement generally covers all eligible members, subject to statutory exceptions such as written rejection and limitations for persons whose evidence of insurability is unsatisfactory.
Fifty and sixty percent do not meet the Hawai#i statutory participation threshold. One hundred percent is unnecessary for the contributory arrangement described.
Reference topics: HRS 431:10D-204; Labor Union Group Life Insurance; Contributory Plans; Participation Requirements; Group Underwriting.
41. Frage
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:
Antwort: D
Begründung:
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.
42. Frage
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