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Your Insurance Licensing Hawaii Life Producer Exam (InsHI_Life01 OPLife01) certification goals are within reach thanks to ExamPrepAway. Download 120 up-to-date Hawaii-Life-Producer questions right now and streamline your 2026 preparation process securely with our McAfee-protected checkout.

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
Certificate Validity Period:License expiration and renewal requirements apply; certification validity is not separately specified for the examination
Passing Score:70 (scaled score)
Available Languages:English
Real Exam Qty:96 (85 scoreable questions plus 11 pretest questions)
Related Certifications:Hawaii Life Producer License
Hawaii Resident Insurance Producer License
Exam Duration:120 minutes
Exam Price:$75
Exam Format:Multiple-choice questions, Computer-based examination, Hawaii State-Specific section, General Knowledge section, Test center delivery, OnVUE online proctored delivery
Recommended Training:Pearson VUE Hawaii Insurance Practice Tests
Exam Registration:Pearson VUE Hawaii Insurance Licensing
Hawaii DCCA Insurance Division - Examination Information
Sample Questions: DOWNLOAD DEMO
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
Topic 1: Retirement and Other Life Insurance Concepts8%- Tax treatment of insurance premiums, proceeds, and dividends
- Retirement plans
  • 1. Qualified plans
    • 2. Nonqualified plans
      - Life settlements
      - Life insurance needs analysis and suitability
      • 1. Personal insurance needs
        • 2. Business insurance needs
          - Social Security benefits
          - Group life insurance
          • 1. Conversion privilege
            • 2. Contributory vs. noncontributory
              - Third-party ownership
              Topic 2: Hawaii Laws and Rules Pertinent to Life Insurance Only12%- Variable contracts
              - Policy clauses and provisions
              • 1. Spouse's rights
                • 2. Policy loan interest rate
                  • 3. Protection of beneficiaries from creditors
                    - Group life
                    • 1. Conversion
                      • 2. Group requirements
                        • 3. Assignment of proceeds
                          - 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
                          - Participation in surplus
                          Topic 3: Life Provisions, Riders, Options, and Exclusions15%- Policy riders
                          • 1. Cost of Living
                            • 2. Waiver of premium and waiver of monthly deduction
                              • 3. Term riders
                                • 4. Other insureds
                                  • 5. Disability
                                    • 6. Payor benefit
                                      • 7. Return of premium
                                        • 8. Long term care
                                          • 9. Accidental death and/or accidental death and dismemberment
                                            • 10. Guaranteed insurability
                                              - Policy provisions and options
                                              • 1. Owner's rights
                                                • 2. Misstatement of age and gender
                                                  • 3. Incontestability
                                                    • 4. Free look
                                                      • 5. Consideration
                                                        • 6. Beneficiary designations
                                                          • 7. Settlement options
                                                            • 8. Non-forfeiture options
                                                              • 9. Premium payment
                                                                • 10. Accelerated death benefits
                                                                  • 11. Policy loans, withdrawals, and partial surrenders
                                                                    • 12. Assignments
                                                                      • 13. Dividends and dividend options
                                                                        • 14. Insuring clause
                                                                          • 15. Reinstatement
                                                                            • 16. Entire contract
                                                                              • 17. Suicide
                                                                                - Policy exclusions
                                                                                • 1. War
                                                                                  • 2. Dangerous occupation
                                                                                    • 3. Aviation
                                                                                      Topic 4: Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance23%- Definitions
                                                                                      • 1. Domestic, foreign, and alien
                                                                                        • 2. Stock, reciprocal, and mutual
                                                                                          • 3. Certificate of authority
                                                                                            • 4. Authorized and unauthorized
                                                                                              • 5. Insurance
                                                                                                - Insurance Commissioner
                                                                                                • 1. General powers and duties
                                                                                                  • 2. Examination of records
                                                                                                    • 3. Penalties
                                                                                                      • 4. Notice of hearings
                                                                                                        - Marketing practices
                                                                                                        • 1. Premiums
                                                                                                          • 2. Unfair and deceptive practices
                                                                                                            • 3. Sharing commissions
                                                                                                              • 4. Required records and record retention
                                                                                                                • 5. Controlled business
                                                                                                                  • 6. Reporting and accounting for premiums
                                                                                                                    - Guaranty associations
                                                                                                                    - Licensing
                                                                                                                    • 1. General qualifications for licensing
                                                                                                                      • 2. Denial, suspension, and revocation of licenses
                                                                                                                        • 3. Renewal of license and continuing education
                                                                                                                          • 4. Persons required to be licensed
                                                                                                                            Topic 5: Completing the Application, Underwriting, and Delivering the Policies12%- Underwriting
                                                                                                                            • 1. Medical information and consumer reports
                                                                                                                              • 2. Stranger/investor-owned life insurance
                                                                                                                                • 3. Risk classification
                                                                                                                                  • 4. Insurable interest
                                                                                                                                    • 5. Fair Credit Reporting Act
                                                                                                                                      - Delivering the policy
                                                                                                                                      • 1. When coverage begins
                                                                                                                                        • 2. Explaining the policy, provisions, riders, exclusions, and ratings to the client
                                                                                                                                          - Contract law
                                                                                                                                          • 1. Unique aspects of the insurance contract
                                                                                                                                            • 2. Elements of a contract
                                                                                                                                              - Completing the application
                                                                                                                                              • 1. Disclosures at point of sale
                                                                                                                                                • 2. Gramm-Leach-Bliley Act privacy
                                                                                                                                                  • 3. Warranties and representations
                                                                                                                                                    • 4. Collecting the initial premium and issuing the receipt
                                                                                                                                                      • 5. Required signatures
                                                                                                                                                        • 6. Consequences of incomplete applications
                                                                                                                                                          • 7. USA PATRIOT Act and anti-money laundering
                                                                                                                                                            • 8. Changes in the application
                                                                                                                                                              • 9. Replacement
                                                                                                                                                                Topic 6: Types of Policies15%- Traditional whole life products
                                                                                                                                                                • 1. Limited-pay and single-premium life
                                                                                                                                                                  • 2. Ordinary whole life
                                                                                                                                                                    - Interest/market-sensitive/adjustable life products
                                                                                                                                                                    • 1. Variable whole life
                                                                                                                                                                      • 2. Universal life
                                                                                                                                                                        • 3. Variable universal life
                                                                                                                                                                          • 4. Interest-sensitive whole life
                                                                                                                                                                            • 5. Indexed life
                                                                                                                                                                              - Term life
                                                                                                                                                                              • 1. Special features
                                                                                                                                                                                • Renewable
                                                                                                                                                                                • Convertible
                                                                                                                                                                              • 2. Types
                                                                                                                                                                                • Level
                                                                                                                                                                                • Decreasing
                                                                                                                                                                                • Return of premium
                                                                                                                                                                                • Annually renewable
                                                                                                                                                                              - Combination plans and variations
                                                                                                                                                                              • 1. Joint life
                                                                                                                                                                                • 2. Survivorship life
                                                                                                                                                                                  - Annuities
                                                                                                                                                                                  • 1. Payout options
                                                                                                                                                                                    • 2. Indexed
                                                                                                                                                                                      • 3. Accumulation and annuity periods
                                                                                                                                                                                        • 4. Fixed and variable
                                                                                                                                                                                          • 5. Single and flexible premium
                                                                                                                                                                                            • 6. Immediate and deferred

                                                                                                                                                                                              Insurance Licensing Hawaii-Life-Producer Exam FAQs

                                                                                                                                                                                              The Hawaii-Life-Producer exam is a core requirement for the Hawaii Resident Insurance Producer License - Life Line of Authority certification at the State Insurance Producer Licensing Examination level. Earning this validates your skills for credentials like Hawaii Resident Insurance Producer License, Hawaii Life Producer License.

                                                                                                                                                                                              Candidates will face 96 (85 scoreable questions plus 11 pretest questions) questions and have 120 minutes to complete the exam. This means you need strict time management. We strongly recommend taking timed practice tests to ensure you can maintain a steady pace without rushing when under actual exam time pressure.

                                                                                                                                                                                              The official examination fee is $75, and you must achieve a score of 70 (scaled score) to pass. Since retaking the test requires paying the full fee again, utilizing accurate practice materials for thorough self-assessment beforehand is crucial to protect your investment.

                                                                                                                                                                                              Candidate requirements include: 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.. Please verify all eligibility details on the official certification page before scheduling your appointment.

                                                                                                                                                                                              Registration is handled through official testing partners. The exam is delivered via 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.. You can sign up here:

                                                                                                                                                                                              The vendor suggests following official learning paths to build a foundational understanding:

                                                                                                                                                                                              Once you complete your training, use the 120 practice questions from ExamPrepAway to refine your exam readiness.

                                                                                                                                                                                              Absolutely. A free PDF demo is available for you to evaluate the quality of our questions. Once purchased, you receive 365 days of free updates. If your access expires, you can renew it at a 50% discount to keep your materials current.

                                                                                                                                                                                              Your Hawaii-Life-Producer practice materials are delivered instantly. You can download them right away, and a copy will be sent to your email within one minute (contact support if not received in 2 hours). You can install the software on an unlimited number of computers. We also offer a 100% Money Back Guarantee: if you fail the corresponding exam within 60 days of purchase, you can claim a full refund. To apply, submit your enrollment slip and official Score Report PDF within 2 days after taking the test (processing takes up to 7 days). Note: failures within 3 days of purchase, downloaded but unattempted exams, free materials, and expired orders are excluded. The payer's name must match the candidate's name. Alternatively, you can exchange your order for two free exams of equal value and keep the original product's updates.

                                                                                                                                                                                              The syllabus is divided into 6 main domains. Key areas include "Retirement and Other Life Insurance Concepts" (8%), "Hawaii Laws and Rules Pertinent to Life Insurance Only" (12%), "Completing the Application, Underwriting, and Delivering the Policies" (12%). For a comprehensive breakdown of all measured skills, please review the complete exam outline table provided above.

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

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

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

                                                                                                                                                                                              Correct Answer: D  🗳️

                                                                                                                                                                                              A Hawaii policyowner whose annual report does not include an in-force illustration requests a current illustration from the insurer. If the policyowner does not receive the illustration within how many days, the required notice advises the policyowner to contact the state insurance department?

                                                                                                                                                                                              • A. 10 days
                                                                                                                                                                                              • B. 15 days
                                                                                                                                                                                              • C. 30 days
                                                                                                                                                                                              • D. 60 days
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: C  🗳️

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

                                                                                                                                                                                              Unless its cash surrender value has already been paid, an individual annuity subject to Hawaii's standard provisions may generally be reinstated within how long after default in stipulated payments?

                                                                                                                                                                                              • A. 6 months
                                                                                                                                                                                              • B. 3 years
                                                                                                                                                                                              • C. 1 year
                                                                                                                                                                                              • D. 2 years
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: C  🗳️

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

                                                                                                                                                                                              Except when a statutory exception applies, Hawaii generally prohibits entering into a life settlement contract during what period following issuance of the life insurance policy?

                                                                                                                                                                                              • A. 6 months
                                                                                                                                                                                              • B. 1 year
                                                                                                                                                                                              • C. 2 years
                                                                                                                                                                                              • D. 5 years
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: C  🗳️

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

                                                                                                                                                                                              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. apply the credit only if the beneficiary remains unchanged
                                                                                                                                                                                              • B. restart both periods completely without credit
                                                                                                                                                                                              • C. waive all future premiums for two years
                                                                                                                                                                                              • D. credit the time elapsed under the existing policy, up to the face amount of the existing policy
                                                                                                                                                                                              Reveal Solution  Discussion  0

                                                                                                                                                                                              Correct Answer: D  🗳️

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

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                                                                                                                                                                                              14 Customer ReviewsCustomers Feedback (* Some similar or old comments have been hidden.)

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