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Insurance Licensing Hawaii-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Life - General Knowledge | - Retirement and Other Insurance Concepts
|
| Life - Hawaii Specific | - Hawaii Laws and Rules Pertinent to Life Insurance Only
|
Insurance Licensing Hawaii Life Producer Exam (InsHI_Life01 OPLife01) Sample Questions:
1. Under Social Security, which of the following determines the amount of a worker's Disability Income benefit?
A) Minimum taxable wage base
B) State of residence average monthly wage
C) Primary Insurance Amount (PIA)
D) National average monthly wage
2. At the age of 65, an insured withdraws the cash from a profit-sharing plan and purchases a Straight Life Annuity. This transaction will provide:
A) an income that the insured cannot outlive
B) tax-free appreciation of the insured's money
C) protection against inflation
D) the greatest possible return to beneficiaries
3. A Life insurance policy is issued with an exclusion rider for a past health condition. Which of the following actions MUST a producer take when the policy is delivered?
A) Mail the policy with a return receipt requested.
B) Explain the rider and the specific exclusions.
C) Deliver the contract without the signature of the applicant.
D) Change any inaccurate statements on the application.
4. 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) inform policyowners that their dividend surplus cannot be used to purchase additional coverage
D) notify policyowners of interest options available
5. A life insurance contract will generally be classified as a Modified Endowment Contract (MEC) if it:
A) has a death benefit exceeding $50,000
B) fails the federal seven-pay test
C) allows the policyowner to borrow against cash value
D) accumulates any cash value during the first policy year
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: A | Question # 3 Answer: B | Question # 4 Answer: B | Question # 5 Answer: B |
