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Updated: Oct 11, 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:Hawaii Life Producer Exam
Exam Number:InsHI_Life01 / OPLife01
Exam Format:OnVUE online proctored delivery, Hawaii State-Specific section, Multiple-choice questions, General Knowledge section, Test center delivery, Computer-based examination
Available Languages:English
Exam Duration:120 minutes
Exam Price:$75
Certificate Validity Period:License expiration and renewal requirements apply; certification validity is not separately specified for the examination
Passing Score:70 (scaled score)
Real Exam Qty:96 (85 scoreable questions plus 11 pretest questions)
Related Certifications:Hawaii Resident Insurance Producer License
Hawaii Life Producer License
Recommended Training:Pearson VUE Hawaii Insurance Practice Tests
Exam Registration:Hawaii DCCA Insurance Division - Examination Information
Pearson VUE Hawaii Insurance Licensing
Sample Questions:Insurance Licensing Hawaii-Life-Producer Sample Questions
Exam Way:Computer-based examination at a Pearson VUE test center or through Pearson VUE OnVUE online proctoring. Test-center exam codes: InsHI_Life01. Online-proctored exam code: OPLife01. The examination consists of a 75-minute General section and a 45-minute Hawaii State section.
Pre Condition:Candidates must be at least 18 years old to be licensed. Hawaii does not require a specific pre-licensing education program or otherwise pre-screen examination candidates. Initial resident producer applicants generally must pass the required examination, complete fingerprinting, and submit the license application. Examination exemptions may apply to certain previously licensed or qualified applicants.
Official Syllabus URL:https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121201.pdf

Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:

SectionWeightObjectives
Life Provisions, Riders, Options, and Exclusions15%- Policy provisions and options
  • 1. Settlement options
    • 2. Non-forfeiture options
      • 3. Accelerated death benefits
        • 4. Entire contract
          • 5. Owner's rights
            • 6. Dividends and dividend options
              • 7. Assignments
                • 8. Suicide
                  • 9. Beneficiary designations
                    • 10. Free look
                      • 11. Reinstatement
                        • 12. Insuring clause
                          • 13. Policy loans, withdrawals, and partial surrenders
                            • 14. Misstatement of age and gender
                              • 15. Incontestability
                                • 16. Consideration
                                  • 17. Premium payment
                                    - Policy exclusions
                                    • 1. Dangerous occupation
                                      • 2. War
                                        • 3. Aviation
                                          - Policy riders
                                          • 1. Term riders
                                            • 2. Disability
                                              • 3. Payor benefit
                                                • 4. Return of premium
                                                  • 5. Other insureds
                                                    • 6. Accidental death and/or accidental death and dismemberment
                                                      • 7. Guaranteed insurability
                                                        • 8. Long term care
                                                          • 9. Waiver of premium and waiver of monthly deduction
                                                            • 10. Cost of Living
                                                              Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance23%- Definitions
                                                              • 1. Domestic, foreign, and alien
                                                                • 2. Certificate of authority
                                                                  • 3. Authorized and unauthorized
                                                                    • 4. Insurance
                                                                      • 5. Stock, reciprocal, and mutual
                                                                        - Marketing practices
                                                                        • 1. Required records and record retention
                                                                          • 2. Reporting and accounting for premiums
                                                                            • 3. Unfair and deceptive practices
                                                                              • 4. Controlled business
                                                                                • 5. Sharing commissions
                                                                                  • 6. Premiums
                                                                                    - Insurance Commissioner
                                                                                    • 1. Examination of records
                                                                                      • 2. Penalties
                                                                                        • 3. Notice of hearings
                                                                                          • 4. General powers and duties
                                                                                            - Licensing
                                                                                            • 1. General qualifications for licensing
                                                                                              • 2. Denial, suspension, and revocation of licenses
                                                                                                • 3. Persons required to be licensed
                                                                                                  • 4. Renewal of license and continuing education
                                                                                                    - Guaranty associations
                                                                                                    Hawaii Laws and Rules Pertinent to Life Insurance Only12%- Group life
                                                                                                    • 1. Assignment of proceeds
                                                                                                      • 2. Conversion
                                                                                                        • 3. Group requirements
                                                                                                          - Variable contracts
                                                                                                          - Participation in surplus
                                                                                                          - Policy clauses and provisions
                                                                                                          • 1. Spouse's rights
                                                                                                            • 2. Protection of beneficiaries from creditors
                                                                                                              • 3. Policy loan interest rate
                                                                                                                - Credit life
                                                                                                                - Marketing methods and practices
                                                                                                                • 1. Replacement
                                                                                                                  • Definition
                                                                                                                  • Duties of producers
                                                                                                                  • Duties of insurers that use producers
                                                                                                                  • Duties of replacing insurers that use producers
                                                                                                                  • Duties of the existing insurer
                                                                                                                • 2. Annuities
                                                                                                                  • Disclosure
                                                                                                                  • Suitability
                                                                                                                Retirement and Other Life Insurance Concepts8%- Third-party ownership
                                                                                                                - Life settlements
                                                                                                                - Life insurance needs analysis and suitability
                                                                                                                • 1. Business insurance needs
                                                                                                                  • 2. Personal insurance needs
                                                                                                                    - Tax treatment of insurance premiums, proceeds, and dividends
                                                                                                                    - Retirement plans
                                                                                                                    • 1. Nonqualified plans
                                                                                                                      • 2. Qualified plans
                                                                                                                        - Group life insurance
                                                                                                                        • 1. Contributory vs. noncontributory
                                                                                                                          • 2. Conversion privilege
                                                                                                                            - Social Security benefits
                                                                                                                            Types of Policies15%- Interest/market-sensitive/adjustable life products
                                                                                                                            • 1. Universal life
                                                                                                                              • 2. Interest-sensitive whole life
                                                                                                                                • 3. Variable universal life
                                                                                                                                  • 4. Variable whole life
                                                                                                                                    • 5. Indexed life
                                                                                                                                      - Traditional whole life products
                                                                                                                                      • 1. Ordinary whole life
                                                                                                                                        • 2. Limited-pay and single-premium life
                                                                                                                                          - Term life
                                                                                                                                          • 1. Types
                                                                                                                                            • Level
                                                                                                                                            • Decreasing
                                                                                                                                            • Return of premium
                                                                                                                                            • Annually renewable
                                                                                                                                          • 2. Special features
                                                                                                                                            • Renewable
                                                                                                                                            • Convertible
                                                                                                                                          - Combination plans and variations
                                                                                                                                          • 1. Joint life
                                                                                                                                            • 2. Survivorship life
                                                                                                                                              - Annuities
                                                                                                                                              • 1. Single and flexible premium
                                                                                                                                                • 2. Accumulation and annuity periods
                                                                                                                                                  • 3. Payout options
                                                                                                                                                    • 4. Indexed
                                                                                                                                                      • 5. Immediate and deferred
                                                                                                                                                        • 6. Fixed and variable
                                                                                                                                                          Completing the Application, Underwriting, and Delivering the Policies12%- Contract law
                                                                                                                                                          • 1. Elements of a contract
                                                                                                                                                            • 2. Unique aspects of the insurance contract
                                                                                                                                                              - Underwriting
                                                                                                                                                              • 1. Risk classification
                                                                                                                                                                • 2. Stranger/investor-owned life insurance
                                                                                                                                                                  • 3. Fair Credit Reporting Act
                                                                                                                                                                    • 4. Medical information and consumer reports
                                                                                                                                                                      • 5. Insurable interest
                                                                                                                                                                        - Completing the application
                                                                                                                                                                        • 1. Collecting the initial premium and issuing the receipt
                                                                                                                                                                          • 2. Replacement
                                                                                                                                                                            • 3. USA PATRIOT Act and anti-money laundering
                                                                                                                                                                              • 4. Warranties and representations
                                                                                                                                                                                • 5. Disclosures at point of sale
                                                                                                                                                                                  • 6. Required signatures
                                                                                                                                                                                    • 7. Consequences of incomplete applications
                                                                                                                                                                                      • 8. Changes in the application
                                                                                                                                                                                        • 9. Gramm-Leach-Bliley Act privacy
                                                                                                                                                                                          - Delivering the policy
                                                                                                                                                                                          • 1. Explaining the policy, provisions, riders, exclusions, and ratings to the client
                                                                                                                                                                                            • 2. When coverage begins

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

                                                                                                                                                                                              Question #1

                                                                                                                                                                                              Before an insurance company may deliver variable life insurance or variable annuity contracts in Hawaii, the company must be licensed or organized to conduct:

                                                                                                                                                                                              • A. Property insurance business
                                                                                                                                                                                              • B. Life insurance or annuity business
                                                                                                                                                                                              • C. Title insurance business
                                                                                                                                                                                              • D. Casualty insurance business
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: B  🗳️

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                                                                                                                                                                                              Question #2

                                                                                                                                                                                              A group life insurance policy may NOT insure groups consisting exclusively of persons who are:

                                                                                                                                                                                              • A. salaried, clerical, or administrative employees
                                                                                                                                                                                              • B. hourly paid laborers or their supervisors
                                                                                                                                                                                              • C. administrative, managerial, or sales personnel
                                                                                                                                                                                              • D. related by marriage, blood, or legal adoption
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: D  🗳️

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                                                                                                                                                                                              Question #3

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

                                                                                                                                                                                              • A. rebating
                                                                                                                                                                                              • B. unfair discrimination
                                                                                                                                                                                              • C. coercion
                                                                                                                                                                                              • D. misrepresentation
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: D  🗳️

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                                                                                                                                                                                              Question #4

                                                                                                                                                                                              A convicted felon may receive a life or health license only if a felony waiver is approved by:

                                                                                                                                                                                              • A. the local police department
                                                                                                                                                                                              • B. the appointing general agent
                                                                                                                                                                                              • C. a court order
                                                                                                                                                                                              • D. the Insurance Commissioner
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: D  🗳️

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                                                                                                                                                                                              Question #5

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

                                                                                                                                                                                              • A. Forty-five
                                                                                                                                                                                              • B. Thirty
                                                                                                                                                                                              • C. Thirty-one
                                                                                                                                                                                              • D. Sixty
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: B  🗳️

                                                                                                                                                                                              Explanation: Only visible for Pass4SureQuiz members. You can sign-up / login (it's free).

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