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Updated: Aug 29, 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
Exam Price:$75 USD
Exam Format:Computer-based test center exam, Multiple-choice, Online proctored OnVUE exam
Exam Duration:120 minutes
Passing Score:70 (scaled score)
Real Exam Qty:96 (85 scoreable + 11 pretest)
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
Available Languages:English
Related Certifications:Hawaii Life Insurance Producer License
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
Topic 1: Life - Hawaii Specific- Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance
  • 1. Licensing
    • General qualifications for licensing
    • Persons required to be licensed
    • Denial, suspension, and revocation of licenses
    • Renewal of license and continuing education
  • 2. Guaranty Associations
    • 3. Insurance Commissioner
      • General powers and duties
      • Examination of records
      • Notice of hearings
      • Penalties
    • 4. Definitions
      • Authorized and unauthorized
      • Domestic, foreign, and alien
      • Stock, reciprocal and mutual
      • Certificate of authority
      • Insurance
    • 5. Marketing practices
      • Unfair and deceptive practices
      • Reporting and accounting for premiums
      • Sharing commissions
      • Required records and record retention
      • Controlled business
      • Premiums
    - Hawaii Laws and Rules Pertinent to Life Insurance Only
    • 1. Participation in Surplus
      • 2. Marketing methods and practices
        • Replacement
        • Annuities
      • 3. Variable Contracts
        • 4. Credit Life
          • 5. Policy Clauses and Provisions
            • Protection of beneficiaries from creditors
            • Policy loan interest rate
            • Spouse's rights
          • 6. Group Life
            • Group requirements
            • Assignment of proceeds
            • Conversion
          Topic 2: Life - General Knowledge- Types of Policies
          • 1. Combination plans and variations
            • Joint life (first to die)
            • Survivorship life (second to die)
          • 2. Annuities
            • Single and flexible premium
            • Immediate and deferred
            • Fixed and variable
            • Indexed
            • Accumulation and annuity periods
            • Payout options
          • 3. Interest/market-sensitive/adjustable life products
            • Universal life
            • Variable whole life
            • Variable universal life
            • Interest-sensitive whole life
            • Indexed life
          • 4. Traditional whole life products
            • Ordinary whole life
            • Limited-pay and single-premium life
          • 5. Term life
            • Types
            • Special features
          - Retirement and Other Insurance Concepts
          • 1. Tax treatment of insurance premiums, proceeds, and dividends
            • Individual life
            • Group life
            • Modified Endowment Contracts
          • 2. Retirement plans
            • Qualified plans
            • Nonqualified plans
          • 3. Third-party ownership
            • 4. Group life insurance
              • Conversion privilege
              • Contributory vs. noncontributory
            • 5. Life insurance needs analysis and suitability
              • Personal insurance needs
              • Business insurance needs
            • 6. Life settlements
              • 7. Social Security benefits
                - 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. Contract law
                  • Elements of a contract
                  • Unique aspects of the insurance contract
                • 3. 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
                • 4. Underwriting
                  • Insurable interest
                  • Medical information and consumer reports
                  • Fair Credit Reporting Act
                  • Risk classification
                  • Stranger/Investor-owned life insurance
                - 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

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

                Question 1

                For a public employee association to qualify as the policyholder of a group life insurance policy in Hawaii, the association must have been formed:

                A. primarily for the purpose of purchasing insurance
                B. for purposes other than obtaining insurance
                C. by an insurance company
                D. solely for collecting insurance premiums


                Question 2

                Which of the following features makes Universal Life different from other forms of Whole Life insurance?

                A. Premium schedules
                B. Settlement options
                C. Free Look period
                D. Beneficiary provisions


                Question 3

                A life settlement provider receives all documents necessary from the policyowner to transfer ownership of a life insurance policy. Under Hawaii law, the provider must generally deposit the settlement proceeds into an escrow or trust account within:

                A. 5 business days
                B. 10 business days
                C. 1 business day
                D. 3 business days


                Question 4

                R is insured under a $25,000 Whole Life policy with an Accidental Death Benefit rider. If R dies as the result of a heart attack while driving to work, R's beneficiary will receive a maximum of which of the following amounts?

                A. $25,000
                B. $50,000
                C. $75,000
                D. $0


                Question 5

                When recommending an annuity to a consumer in Hawaii, a producer must:

                A. recommend only variable annuities to consumers under age 65
                B. recommend the annuity with the longest surrender period
                C. act in the consumer's best interest without placing the producer's or insurer's financial interest ahead of the consumer's
                D. place the insurer's financial interest ahead of the consumer's when the insurer pays the highest commission


                Solutions:

                Question 1
                Answer: B
                Question 2
                Answer: A
                Question 3
                Answer: D
                Question 4
                Answer: A
                Question 5
                Answer: C

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