Passing exam with Hawaii-Life-Producer latest training materials

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Updated: Aug 26, 2026

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Insurance Licensing Hawaii-Life-Producer Exam Overview:

Certification Vendor:Hawaii Department of Commerce and Consumer Affairs (DCCA) Insurance Division / Pearson VUE
Exam Name:Life Producer
Exam Number:InsHI_Life01 / OPLife01
Available Languages:English
Exam Format:Multiple-choice, Computer-based test center exam, Online proctored OnVUE exam
Exam Price:$75 USD
Passing Score:70 (scaled score)
Real Exam Qty:96 (85 scoreable + 11 pretest)
Related Certifications:Hawaii Life Insurance Producer License
Exam Duration:120 minutes
Certificate Validity Period:License term: not less than 1 year and not more than 3 years; renewal/extension for an individual producer is due on the last day of the licensee's birth month
Sample Questions:Insurance Licensing Hawaii-Life-Producer Sample Questions
Exam Way:Pearson VUE test center or Pearson VUE OnVUE online proctored examination. The test center version is InsHI_Life01; the online proctored version is OPLife01. The examination consists of a 75-minute General section and a 45-minute Hawaii-specific State section. The January 2026 official content outline specifies 50 scoreable plus 5 pretest questions for General and 35 scoreable plus 6 pretest questions for Hawaii-specific content, for 96 delivered questions in total.
Pre Condition:Minimum age 18. Hawaii does not require a specific pre-licensing education program or pre-screening before taking the examination. Applicants must pass the Life Producer examination for a Life producer license unless an applicable statutory examination exemption applies.
Official Syllabus URL:https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121201.pdf

Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

SectionObjectives
Life - General Knowledge- Completing the Application, Underwriting, and Delivering the Policies
  • 1. Contract law
    • Elements of a contract
    • Unique aspects of the insurance contract
  • 2. Completing the application
    • Required signatures
    • Changes in the application
    • Consequences of incomplete applications
    • Warranties and representations
    • Collecting the initial premium and issuing the receipt
    • Replacement
    • Disclosures at point of sale
    • USA PATRIOT Act and anti-money laundering
    • Gramm-Leach-Bliley Act privacy
  • 3. Underwriting
    • Insurable interest
    • Medical information and consumer reports
    • Fair Credit Reporting Act
    • Risk classification
    • Stranger/Investor-owned life insurance
  • 4. Delivering the policy
    • When coverage begins
    • Explaining the policy and its provisions, riders, exclusions, and ratings to the client
- Types of Policies
  • 1. Combination plans and variations
    • Joint life (first to die)
    • Survivorship life (second to die)
  • 2. Term life
    • Types
    • Special features
  • 3. Annuities
    • Single and flexible premium
    • Immediate and deferred
    • Fixed and variable
    • Indexed
    • Accumulation and annuity periods
    • Payout options
  • 4. Traditional whole life products
    • Ordinary whole life
    • Limited-pay and single-premium life
  • 5. Interest/market-sensitive/adjustable life products
    • Universal life
    • Variable whole life
    • Variable universal life
    • Interest-sensitive whole life
    • Indexed life
- Retirement and Other Insurance Concepts
  • 1. Tax treatment of insurance premiums, proceeds, and dividends
    • Individual life
    • Group life
    • Modified Endowment Contracts
  • 2. Life insurance needs analysis and suitability
    • Personal insurance needs
    • Business insurance needs
  • 3. Social Security benefits
    • 4. Group life insurance
      • Conversion privilege
      • Contributory vs. noncontributory
    • 5. Life settlements
      • 6. Third-party ownership
        • 7. Retirement plans
          • Qualified plans
          • Nonqualified plans
        - Life Provisions, Riders, Options, and Exclusions
        • 1. Policy provisions and options
          • Entire contract
          • Insuring clause
          • Free look
          • Consideration
          • Owner's rights
          • Beneficiary designations
          • Premium payment
          • Reinstatement
          • Policy loans, withdrawals, partial surrenders
          • Non-forfeiture options
          • Dividends and dividend options
          • Incontestability
          • Assignments
          • Suicide
          • Misstatement of age and gender
          • Settlement options
          • Accelerated death benefits
        • 2. Policy exclusions
          • War
          • Aviation
          • Dangerous occupation
        • 3. Policy riders
          • Waiver of premium and waiver of monthly deduction
          • Guaranteed insurability
          • Payor benefit
          • Accidental death and/or accidental death and dismemberment
          • Term riders
          • Other insureds
          • Long term care
          • Return of premium
          • Disability
          • Cost of Living
        Life - Hawaii Specific- Hawaii Laws and Rules Pertinent to Life Insurance Only
        • 1. Variable Contracts
          • 2. Group Life
            • Group requirements
            • Assignment of proceeds
            • Conversion
          • 3. Policy Clauses and Provisions
            • Protection of beneficiaries from creditors
            • Policy loan interest rate
            • Spouse's rights
          • 4. Credit Life
            • 5. Participation in Surplus
              • 6. Marketing methods and practices
                • Replacement
                • Annuities
              - Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance
              • 1. Definitions
                • Authorized and unauthorized
                • Domestic, foreign, and alien
                • Stock, reciprocal and mutual
                • Certificate of authority
                • Insurance
              • 2. Insurance Commissioner
                • General powers and duties
                • Examination of records
                • Notice of hearings
                • Penalties
              • 3. Guaranty Associations
                • 4. Marketing practices
                  • Unfair and deceptive practices
                  • Reporting and accounting for premiums
                  • Sharing commissions
                  • Required records and record retention
                  • Controlled business
                  • Premiums
                • 5. Licensing
                  • General qualifications for licensing
                  • Persons required to be licensed
                  • Denial, suspension, and revocation of licenses
                  • Renewal of license and continuing education

                Insurance Licensing Hawaii Life Producer Exam (InsHI_Life01 OPLife01) Sample Questions:

                1. The Hawaii Insurance Commissioner MUST hold a hearing within how many days after receipt of the proper application for a hearing?

                A) Thirty-one
                B) Sixty
                C) Forty-five
                D) Thirty


                2. 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:

                A) has been a Life producer for five years
                B) is registered for securities in Hawaii with FINRA
                C) holds a Property insurance license
                D) is employed directly by the Insurance Division


                3. Under current Hawaii law, an owner who enters into a life settlement contract generally has the right to rescind the contract on or before:

                A) 60 days after execution
                B) 10 days after execution
                C) 15 days after execution by all parties
                D) 30 days after execution


                4. 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:

                A) 10 days
                B) 15 days
                C) 60 days
                D) 30 days


                5. The Hawaii Insurance Commissioner may suspend an insurance license if the licensee:

                A) terminates the contract with the licensee's former insurance company and requests a transfer to another insurance company
                B) applies for a license with another state within ninety days
                C) materially misrepresents the terms of an insurance contract
                D) does not sell at least two policies in a given year


                Solutions:

                Question # 1
                Answer: D
                Question # 2
                Answer: B
                Question # 3
                Answer: C
                Question # 4
                Answer: D
                Question # 5
                Answer: C

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