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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
Real Exam Qty:96 (85 scoreable + 11 pretest)
Related Certifications:Hawaii Life Insurance Producer License
Exam Duration:120 minutes
Exam Format:Multiple-choice, Computer-based test center exam, Online proctored OnVUE exam
Available Languages:English
Exam Price:$75 USD
Passing Score:70 (scaled score)
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- 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 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
  • 3. Policy exclusions
    • War
    • Aviation
    • Dangerous occupation
- Completing the Application, Underwriting, and Delivering the Policies
  • 1. 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
  • 2. Contract law
    • Elements of a contract
    • Unique aspects of the insurance contract
  • 3. Delivering the policy
    • When coverage begins
    • Explaining the policy and its provisions, riders, exclusions, and ratings to the client
  • 4. Underwriting
    • Insurable interest
    • Medical information and consumer reports
    • Fair Credit Reporting Act
    • Risk classification
    • Stranger/Investor-owned life insurance
- Retirement and Other Insurance Concepts
  • 1. Tax treatment of insurance premiums, proceeds, and dividends
    • Individual life
    • Group life
    • Modified Endowment Contracts
  • 2. Social Security benefits
    • 3. Group life insurance
      • Conversion privilege
      • Contributory vs. noncontributory
    • 4. Life insurance needs analysis and suitability
      • Personal insurance needs
      • Business insurance needs
    • 5. Retirement plans
      • Qualified plans
      • Nonqualified plans
    • 6. Life settlements
      • 7. Third-party ownership
        - Types of Policies
        • 1. Annuities
          • Single and flexible premium
          • Immediate and deferred
          • Fixed and variable
          • Indexed
          • Accumulation and annuity periods
          • Payout options
        • 2. Combination plans and variations
          • Joint life (first to die)
          • Survivorship life (second to die)
        • 3. Traditional whole life products
          • Ordinary whole life
          • Limited-pay and single-premium life
        • 4. Term life
          • Types
          • Special features
        • 5. Interest/market-sensitive/adjustable life products
          • Universal life
          • Variable whole life
          • Variable universal life
          • Interest-sensitive whole life
          • Indexed life
        Life - Hawaii Specific- Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance
        • 1. Guaranty Associations
          • 2. Marketing practices
            • Unfair and deceptive practices
            • Reporting and accounting for premiums
            • Sharing commissions
            • Required records and record retention
            • Controlled business
            • Premiums
          • 3. Licensing
            • General qualifications for licensing
            • Persons required to be licensed
            • Denial, suspension, and revocation of licenses
            • Renewal of license and continuing education
          • 4. Insurance Commissioner
            • General powers and duties
            • Examination of records
            • Notice of hearings
            • Penalties
          • 5. Definitions
            • Authorized and unauthorized
            • Domestic, foreign, and alien
            • Stock, reciprocal and mutual
            • Certificate of authority
            • Insurance
          - Hawaii Laws and Rules Pertinent to Life Insurance Only
          • 1. Group Life
            • Group requirements
            • Assignment of proceeds
            • Conversion
          • 2. Participation in Surplus
            • 3. Credit Life
              • 4. Marketing methods and practices
                • Replacement
                • Annuities
              • 5. Variable Contracts
                • 6. Policy Clauses and Provisions
                  • Protection of beneficiaries from creditors
                  • Policy loan interest rate
                  • Spouse's rights

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

                1. An insured replaces a life insurance policy with another policy issued by the SAME insurer. With respect to the new policy's incontestability and suicide periods, the replacing insurer must generally:

                A) waive all future premiums for two years
                B) apply the credit only if the beneficiary remains unchanged
                C) restart both periods completely without credit
                D) credit the time elapsed under the existing policy, up to the face amount of the existing policy


                2. Unless the person entitled to the funds directs otherwise in writing, a Hawaii insurance producer holding return premium funds must return those funds within:

                A) 10 days
                B) 30 days
                C) 20 days
                D) 60 days


                3. Producers may engage in all of the following activities EXCEPT:

                A) soliciting insurance applications for insurance
                B) selling insurance
                C) negotiating insurance
                D) countersigning contracts


                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) a court order
                C) the appointing general agent
                D) the Insurance Commissioner


                5. A temporary license issued by the Hawaii Insurance Division is valid for how many days?

                A) 60
                B) 90
                C) 30
                D) 180


                Solutions:

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

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