Insurance Licensing Hawaii Life Producer Exam (InsHI_Life01 OPLife01) : Hawaii-Life-Producer Exam

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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

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

1. A lapsed Hawaii individual life insurance policy is being reinstated. Interest charged on overdue premiums and qualifying policy indebtedness under the statutory reinstatement provision may NOT exceed:

A) 10% per year
B) 8% per year compounded monthly
C) 6% per year compounded annually
D) 4% per year

2. A producer obtains a Hawaii Life line of authority after December 31, 2022 and intends to sell annuity products. Before soliciting an annuity sale, the producer must complete:

A) a two-credit ethics course only
B) no additional training until the first license renewal
C) a one-time four-credit annuity training course
D) ten hours of securities training only

3. Making false or misleading statements about the dividends previously paid on similar policies is an example of:

A) misrepresentation
B) coercion
C) rebating
D) unfair discrimination

4. A replacement of life insurance is defined as any transaction in which:

A) an existing policy is lost and another copy is received
B) a new policy is added to an existing policy
C) an existing policy's beneficiary is changed
D) an existing policy is lapsed or surrendered for a new policy

5. A Hawaii life insurance policy has an adjustable policy-loan interest rate. If the insurer intends to increase the rate being charged on an existing policy loan, the insurer must:

A) obtain approval from the beneficiary
B) wait until the insured's next medical examination
C) obtain the producer's written authorization
D) send the policyholder reasonable advance notice

Solutions: