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

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

                1. An insurer terminates its appointment and business relationship with a Hawaii insurance producer. The insurer must generally notify the Insurance Commissioner within:

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


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

                A) related by marriage, blood, or legal adoption
                B) hourly paid laborers or their supervisors
                C) administrative, managerial, or sales personnel
                D) salaried, clerical, or administrative employees


                3. Under the terms of a participating life insurance policy, an insurance company is required to:

                A) pay policyowners the apportioned divisible surplus only when the full amount is to be reinvested automatically
                B) annually ascertain and apportion any divisible surplus to policyowners, beginning no later than the end of the third policy year
                C) notify policyowners of interest options available
                D) inform policyowners that their dividend surplus cannot be used to purchase additional coverage


                4. A level premium means that the premium:

                A) may vary from year to year, but only within stipulated limits
                B) remains fixed through the life of a policy
                C) may be increased upon adverse experience of the insurance company
                D) changes only on the annual anniversary date of the policy


                5. How many years are producers required to keep records for Continuing Education?

                A) 4
                B) 2
                C) 3
                D) 1


                Solutions:

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

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