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In 2026, a free demo says more than any sales paragraph. Before you decide anything about Hawaii-Life-Producer, open the Insurance Licensing Hawaii Life Producer Exam (InsHI_Life01 OPLife01) demo on PrepAwayETE and work through real sample questions to judge whether the style fits how you study.

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 Format:Multiple-choice, Computer-based test center exam, Online proctored OnVUE exam
Real Exam Qty:96 (85 scoreable + 11 pretest)
Available Languages:English
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
Exam Duration:120 minutes
Related Certifications:Hawaii Life Insurance Producer License
Exam Price:$75 USD
Sample Questions: DOWNLOAD DEMO
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. Definitions
    • Authorized and unauthorized
    • Domestic, foreign, and alien
    • Stock, reciprocal and mutual
    • Certificate of authority
    • Insurance
  • 2. Guaranty Associations
    • 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
    - Hawaii Laws and Rules Pertinent to Life Insurance Only
    • 1. Participation in Surplus
      • 2. Marketing methods and practices
        • Replacement
        • Annuities
      • 3. Group Life
        • Group requirements
        • Assignment of proceeds
        • Conversion
      • 4. Policy Clauses and Provisions
        • Protection of beneficiaries from creditors
        • Policy loan interest rate
        • Spouse's rights
      • 5. Variable Contracts
        • 6. Credit Life
          Topic 2: Life - General Knowledge- Retirement and Other Insurance Concepts
          • 1. Retirement plans
            • Qualified plans
            • Nonqualified plans
          • 2. Life insurance needs analysis and suitability
            • Personal insurance needs
            • Business insurance needs
          • 3. Tax treatment of insurance premiums, proceeds, and dividends
            • Individual life
            • Group life
            • Modified Endowment Contracts
          • 4. Third-party ownership
            • 5. Social Security benefits
              • 6. Group life insurance
                • Conversion privilege
                • Contributory vs. noncontributory
              • 7. Life settlements
                - 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
                - Types of Policies
                • 1. Annuities
                  • Single and flexible premium
                  • Immediate and deferred
                  • Fixed and variable
                  • Indexed
                  • Accumulation and annuity periods
                  • Payout options
                • 2. Term life
                  • Types
                  • Special features
                • 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. Combination plans and variations
                  • Joint life (first to die)
                  • Survivorship life (second to die)
                - 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

                Hawaii-Life-Producer Preparation: Frequently Asked Questions

                The Hawaii-Life-Producer exam contains 96 (85 scoreable + 11 pretest) questions to be answered within 120 minutes minutes. Rehearsing with a timer on PrepAwayETE trains you to pace each question instead of rushing at the end.

                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.

                The Insurance Licensing Hawaii Life Producer Exam (InsHI_Life01 OPLife01) material is developed by a dedicated research team whose members bring rich hands-on IT experience, including past work for international IT corporations. That background shapes both the questions and the way they are organized for study.

                Each Insurance Licensing Hawaii Life Producer Exam (InsHI_Life01 OPLife01) question is drawn from a large body of technical knowledge and analyzed before it enters the bank. Questions that are no longer relevant to the current exam are removed, while new material is added as the exam evolves, so the set you study stays lean and current.

                • Life - General Knowledge ()
                • Life - Hawaii Specific ()

                Begin with the topics where your confidence is lowest, then confirm the rest.

                The passing score for Hawaii-Life-Producer is 70 (scaled score), and the official exam fee is $75 USD. Fixing these numbers in mind helps you plan both your study target and your budget.

                The package includes 120 practice questions for the Hawaii-Life-Producer exam, covering the current Insurance Licensing Hawaii Life Producer Exam (InsHI_Life01 OPLife01) objectives with verified answers.

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

                A person was licensed for Life insurance in another state but recently cancelled that resident license while in good standing. To qualify for Hawaii's examination exemption for the same line of authority, the person's applicable resident producer application generally must be received within:

                • A. 90 days
                • B. 60 days
                • C. 180 days
                • D. 30 days
                Reveal Solution  Discussion  0

                Correct Answer: A  🗳️

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

                Which of the following statements about an individual life policy premium is CORRECT?

                • A. It excludes policy issuance fees.
                • B. It must contain all charges.
                • C. It excludes expenses and load charges.
                • D. It excludes all taxes.
                Reveal Solution  Discussion  0

                Correct Answer: B  🗳️

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

                An individual life insurance policy delivered in Hawaii must generally provide a grace period of:

                • A. 10 days
                • B. 60 days
                • C. 20 days
                • D. 30 days
                Reveal Solution  Discussion  0

                Correct Answer: D  🗳️

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

                A Hawaii group life policy is terminated completely. To qualify for the statutory individual conversion right arising from termination of the GROUP POLICY itself, an insured generally must have been continuously insured under the group policy for at least:

                • A. 10 years
                • B. 3 years
                • C. 5 years
                • D. 1 year
                Reveal Solution  Discussion  0

                Correct Answer: C  🗳️

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

                An insured under a life settlement transaction has a life expectancy of MORE than one year. A life settlement provider, broker, or authorized representative may generally contact the insured to verify health status no more frequently than:

                • A. once each month
                • B. once each week
                • C. once every three months
                • D. once every six months
                Reveal Solution  Discussion  0

                Correct Answer: C  🗳️

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

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                Montague

                Montague 5 star

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                Ingemar

                Ingemar 5 star

                I tried Hawaii-Life-Producer exam first, and I passed Hawaii-Life-Producer easily.

                Leonard

                Leonard 5 star

                I used your updated version and passed Hawaii-Life-Producer.

                Nat

                Nat 5 star

                I was lucky to have passed Hawaii-Life-Producer exam in the first try.

                Reuben

                Reuben 5 star

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                Tony

                Tony 5 star

                I will try other Insurance Licensing exams next month.