A Hawaii insurer appoints a producer as its agent. Within how many days of executing the agency contract or receiving the first application must it file the notice of appointment?HRS 431:9A-114(b)
A Hawaii insurer ends its appointment of a producer. After the insurer's notification, how long does the producer have to file written comments with the commissioner?HRS 431:9A-115(c)
A Hawaii licensee changes a business electronic mail address. Within how many days must the commissioner be informed of this change of status?HRS 431:9A-107(f)
A Hawaii licensee does not finish continuing education by the renewal date and has no extension. What happens to the license?HRS 431:9A-124(d)
A Hawaii producer keeps premium funds in an interest earning trustee account. May the producer keep the interest?HRS 431:9A-123.5(b)
A Hawaii producer's license goes inactive for nonpayment of the renewal fee. It can be reinstated without a written examination if the fee and penalty are paid within how long?HRS 431:9A-107(c)
A Hawaii resident producer moves to another state. Within how long must the producer file a change of address and provide certification from the new resident state?HRS 431:9A-108(c)
Show all 101 questions (94 more)
Commissioner, licensing and producer duties, continued
A producer licensed in another state moves to Hawaii. To become a resident licensee, the producer applies within how long of establishing legal residence?HRS 431:9A-109(b)
After a written demand for a hearing on a Hawaii license denial, the hearing must be held within how many days of receipt of the demand?HRS 431:9A-112(b)
An insurer formed under the laws of Japan holds a Hawaii certificate of authority. What kind of insurer is it under the Hawaii code?HRS 431:3-101
An order of the Hawaii commissioner levying a fine on a licensee must set what period for full payment?HRS 431:9A-126(a)
At a minimum, how often must the Hawaii commissioner examine each domestic insurer?HRS 431:2-302(a)
For how long after a transaction is completed must a Hawaii producer keep its records open to the commissioner's inspection?HRS 431:9A-123(b)
For how long are an applicant's Hawaii producer examination scores valid?HRS 431:9A-105(d)
For how long must a Hawaii licensee keep the licensee's own continuing education records after completing a course?HRS 431:9A-125(a)
The Hawaii commissioner denies a license and gives written notice of the reason. Within how many days of receiving it may the applicant make written demand for a hearing?HRS 431:9A-112(b)
The Hawaii commissioner will not extend a producer's license if, in either of the two calendar years before the extension date, premiums on controlled business exceeded what?HRS 431:9A-112.5(a)
Hawaii's producer record-keeping section does not apply to life insurance when what is true of the records?HRS 431:9A-123(c)
How many continuing education credit hours does a Hawaii producer licensed only for life or accident and health need before a license renewal?HRS 431:9A-124(b)
How many of a Hawaii producer's required credit hours must relate to ethics training or to the insurance laws and rules?HRS 431:9A-124(b)
If the Hawaii commissioner finds a producer ineligible for appointment, the appointing insurer is notified within how many days of that determination?HRS 431:9A-114(c)
In Hawaii, one continuing education credit hour is equivalent to at least how many minutes of classroom instruction?HRS 431:9A-102
In what capacity does a Hawaii producer hold premium and return premium funds?HRS 431:9A-123.5(a)
May a Hawaii producer charge a client a fee for a policy that is not included in the premium stated in the policy?HRS 431:10-218(b)
On appeal of a license sanction it finds too severe, a Hawaii court may impose a fine in lieu of the commissioner's action of not more than how much?HRS 431:9A-127(a)
To whom may the Hawaii commissioner issue a temporary producer license without an examination?HRS 431:9A-111(a)
Under Hawaii law, when may renewal commissions be paid to a person who no longer holds a producer license?HRS 431:9A-113(c)
Under Hawaii's general enforcement section, a violation of the insurance code is punishable by a fine in what range per violation?HRS 431:2-203(b)
Unless the code expressly provides otherwise, hearings and appeals under the Hawaii insurance code are subject to which chapter of the Hawaii Revised Statutes?HRS 431:2-308(a)
Unless the person entitled to them directs otherwise in writing, a Hawaii producer returns return premiums within how many days?HRS 431:9A-123.5(b)
What must a Hawaii producer applicant submit so the commissioner can obtain national and state criminal history record checks?HRS 431:9A-106(a)(5)
What penalty does a Hawaii producer pay, on top of the fee, to reinstate a license that went inactive for nonpayment?HRS 431:9A-107(c)
Which of these is a listed cause for the Hawaii commissioner to suspend a producer's license?HRS 431:9A-112(a)(13)
Which of these is controlled business under Hawaii's producer licensing article?HRS 431:9A-112.5(b)
Who appoints Hawaii's insurance commissioner?HRS 431:2-102(a)
Life and group life law 17
A Hawaii group life insured was not told of the conversion right at least fifteen days before the conversion period ended. The added period can run no later than how many days past that period?HRS 431:10D-214
A Hawaii group life policy issued to an occupation, industry or trade association must cover at least how many persons at date of issue?HRS 431:10D-210
A Hawaii group life policy may let the insurer pay part of the proceeds, up to how much, to a person who incurred the insured's funeral or last-illness expenses?HRS 431:10D-213(a)(6)
A Hawaii life insurance policy must allow a grace period of how many days?HRS 431:10D-102(a)(1)
A Hawaii life policy may not limit the time to bring an action on it to less than how long after the cause of action accrues?HRS 431:10D-108(a)
A Hawaii life policy must allow reinstatement, on evidence of insurability and payment of arrears, within how long from the date of premium default?HRS 431:10D-102(a)(5)
Before a Hawaii association group life policy is placed in force, what share of the eligible members must have elected to be covered?HRS 431:10D-210
For Hawaii group life coverage of dependents, a child attending an educational institution and relying on the insured for support is a dependent while under what age?HRS 431:10D-212(b)
Hawaii credit life insurance may not run more than how many days beyond the scheduled maturity date of the debt, unless extended at no added cost to the debtor?HRS 431:10B-106
Hawaii lets a life policy restrict coverage for death while the insured is a resident outside of what area?HRS 431:10D-108(b)
Hawaii treats credit insurance benefits as reasonable in relation to the premium only if the ratio of losses incurred to premiums earned is at least what?HRS 431:10B-108(c)
In a participating Hawaii life policy, the insurer must begin to ascertain and apportion divisible surplus annually no later than the end of which policy year?HRS 431:10D-102(a)(6)
On reinstatement of a Hawaii life policy, interest on premiums in arrears may not exceed what rate a year, compounded annually?HRS 431:10D-102(a)(5)
Under Hawaii law, a person insured under a group life policy may assign incidents of ownership to any person other than whom?HRS 431:10D-215
Under Hawaii law, life insurance proceeds payable to the insured's spouse are exempt from execution for whose debts?HRS 431:10-232(a)
Under Hawaii law, who may take out an individual life insurance policy on an adult without that adult's written application or consent?HRS 431:10-206
Under Hawaii's standard provisions, when is the application part of the entire contract of a life policy?HRS 431:10D-102(a)(2)
Replacement and annuity sales 13
A Hawaii annuity application is taken in a personal meeting. When must the buyer's guide and disclosure document be given to the applicant?HRS 431:10D-603(a)
A Hawaii annuity contract must allow a grace period of not fewer than how many days for stipulated payments falling due after the first?HRS 431:10D-105(a)(1)
A Hawaii applicant has existing coverage. When must the producer present and read the replacement notice?HRS 431:10D-503(b)
A Hawaii replacing insurer must notify the existing insurer within how many business days of receiving a completed application that indicates replacement?HRS 431:10D-505(a)
Besides license action and fines, what may a violation of Hawaii's replacement part cost a producer?HRS 431:10D-508(d)
How often must a Hawaii insurer send the owner of a deferred annuity in its accumulation period a report of the contract's status?HRS 431:10D-604
If the buyer's guide and disclosure document are not provided at or before a Hawaii annuity application, the free-look period must be no less than how many days?HRS 431:10D-603(c)
In a Hawaii replacement, when must the producer leave the original or a copy of all sales material with the applicant?HRS 431:10D-503(d)
In Hawaii, policy values borrowed to pay premiums on a new policy from the same company are prima facie a financed purchase if used within what window around the new policy's effective date?HRS 431:10D-502
In Hawaii, who signs the statement, sent with the application, on whether the applicant has existing policies or contracts?HRS 431:10D-503(a)
On a replacement in Hawaii, the owner may return the new policy for an unconditional full refund within how many days of delivery?HRS 431:10D-505(a)
Records of the information used for a Hawaii annuity recommendation are kept for how long after the insurer completes the transaction?HRS 431:10D-625
Under Hawaii's annuity part, a producer has acted in the consumer's best interest by satisfying obligations regarding care, disclosure, conflict of interest and what else?HRS 431:10D-623(a)
Accident and health, prepaid care and TDI 19
A Hawaii employee is prevented by sickness from working. Unless the employer keeps paying regular wages longer, its duty to keep contributing to the prepaid health care premium does not exceed how long after the month the sickness began?HRS 393-15
A Hawaii employer may withhold from an employee half the cost of temporary disability insurance, but not more than what share of weekly wages?HRS 392-43(a)
After how long from the date of issue can misstatements in the application, other than fraudulent ones, no longer be used to void a Hawaii accident and health policy?HRS 431:10A-105(2)
Coverage for applied behavioral analysis under Hawaii's autism mandate is subject to a maximum benefit of how much per year?HRS 431:10A-133(d)
Hawaii bars canceling a long-term care policy on the grounds of the insured's age or what else?HRS 431:10H-107
Hawaii health policies that cover the insured's children must cover child health supervision services from the moment of birth through what age?HRS 431:10A-115.5(a)
Hawaii requires health policies to cover at least what share of the cost of prescribed medical foods for an inborn error of metabolism?HRS 431:10A-120(a)
Hawaii temporary disability benefits are payable for no more than how many weeks during any benefit year?HRS 392-23
Hawaii's autism mandate covers diagnosis and treatment for covered individuals under what age?HRS 431:10A-133(a)
Hawaii's mandated mammography benefit gives an annual mammogram to women of what age?HRS 431:10A-116
In a Hawaii producer solicitation of long-term care insurance, when is the outline of coverage delivered?HRS 431:10H-112(a)
No Hawaii temporary disability benefits are payable during the first how many consecutive days of a period of disability?HRS 392-24
To be eligible for Hawaii temporary disability benefits, an individual needs at least how many weeks of employment of twenty or more hours in the fifty-two weeks before the disability?HRS 392-25
Under Hawaii law, who must develop suitability standards for long-term care insurance and train producers in their use?HRS 431:10H-231(b)
Under Hawaii's Prepaid Health Care Act, coverage is owed to a regular employee who has been in the employer's employ for how long?HRS 393-14
Under Hawaii's Prepaid Health Care Act, the employee's share of the premium may in no case be more than what share of the employee's wages?HRS 393-13
Under Hawaii's Temporary Disability Insurance law, the weekly benefit for an employee whose average weekly wage is $26 or more is what share of that wage?HRS 392-22
Unless a collective bargaining agreement says otherwise, a Hawaii employer contributes at least what share of the prepaid health care premium?HRS 393-13
Where a Hawaii health policy carries the cancellation provision, the insurer's written notice must state that cancellation takes effect not less than how many days later?HRS 431:10A-106(7)
Unfair practices and penalties 12
A Hawaii lender may not solicit insurance from a person who shows interest in a loan until that person has received what?HRS 431:13-104(b)
A Hawaii notice of hearing on an unfair practice charge must set the hearing no sooner than how many days after service?HRS 431:13-106(a)
After a hearing, the Hawaii commissioner may fine a person who did not know of an unfair practice violation not more than how much for each act?HRS 431:13-201(a)
After affirming liability on a claim whose amount is not in dispute, a Hawaii insurer must offer payment within how many calendar days?HRS 431:13-103(a)(11)
How many written complaints to the Hawaii commissioner within twelve months, charging separate violations, create a rebuttable presumption of a general business practice?HRS 431:13-103(c)
Under Hawaii law, an advertisement that states an insurer's assets must also state what with equal conspicuousness?HRS 431:13-103(a)(1)
Under Hawaii law, may an insurer charge a different rate for the same coverage because the applicant has been a victim of domestic abuse?HRS 431:10-217.5(a)
Under Hawaii's unfair claim practices list, an insurer must respond to a policyholder's communication about a claim in no more than how many working days?HRS 431:13-103(a)(11)
What is the most the Hawaii commissioner may fine a person for each act that violates a cease and desist order under the unfair practices article?HRS 431:13-202(a)
Where a person knew or reasonably should have known of an unfair practice violation, what is Hawaii's cap on fines in any six-month period?HRS 431:13-201(a)
Which act is an unlawful rebate under Hawaii's unfair practices article?HRS 431:13-103(a)(8)
Who alone may invoke the remedies, penalties and proceedings of Hawaii's unfair practices article?HRS 431:13-107
Guaranty association 5
The board of Hawaii's life and disability guaranty association sends its financial report to the commissioner no later than how many days after the association's fiscal year?HRS 431:2-304(b)
For administration and assessment, how many accounts does Hawaii's life and disability guaranty association maintain?HRS 431:16-206(a)
For any one life, what is the most the Hawaii Life and Disability Insurance Guaranty Association covers in life insurance death benefits?HRS 431:16-203(c)
Under Hawaii law, who is exempt from the ban on using the guaranty association's existence in advertising?HRS 431:16-218(a)
What is the Hawaii guaranty association's limit for one life on basic hospital, medical, and surgical insurance or major medical insurance?HRS 431:16-203(c)
How this list was compiled: Hawaii Revised Statutes chapter 431 (Insurance Code), articles 2, 3, 9A, 10, 10A, 10B, 10D, 10H, 13 and 16, with chapters 392 (Temporary Disability Insurance) and 393 (Prepaid Health Care Act), read on October 9, 2026 one section at a time on the Hawaii State Legislature's statute files (https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/ and https://data.capitol.hawaii.gov/hrscurrent/Vol07_Ch0346-0398/). The topics and the sections asked follow the Life and the Accident and Health "Hawaii Specific" content outlines (State Statutes and Rules; effective January 1, 2026), which print the statute references beside each topic; the outlines and the candidate handbook are on the exam page the Hawaii Insurance Division names for producer licensing (the outlines: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121201.pdf). Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial practice test for the life and health insurance exam in Hawaii covers the Hawaii Specific part of the Life and the Accident and Health producer exams: 101 of our own questions from the Hawaii Revised Statutes. Not affiliated with the Hawaii Insurance Division.
Read the full guide
What the Hawaii part of the exam asks
Of the 35 scored questions in each exam's Hawaii part, the outline gives 23 to law common to every line (the commissioner, definitions, licensing, marketing practices, the guaranty association) and 12 to life only or to accident and health only. The groups here follow that split.
Hawaii insurance license study guide: what is left out
The general-knowledge part (policy types, riders, tax) and the Insurance Division's administrative rules are not asked. Every answer names its section, so the bank works as a study guide to the statutes, the Prepaid Health Care Act and Temporary Disability Insurance among them.
Hawaii health policies carry a three-year time limit on certain defenses, not two (431:10A-105).
Temporary Disability Insurance pays 58 per cent of average weekly wage, capped, for at most 26 weeks after a seven-day wait (392-22 to 392-24).
Prepaid Health Care: coverage after four consecutive weeks of work; the employee pays at most 1.5 per cent of wages (393-13, 393-14).
Questions and answers
How many questions are on the Hawaii life and health insurance exam?
Life and Accident and Health are separate exams. The outlines effective January 1, 2026 give each a general part of 50 scored questions and a Hawaii part of 35, plus 5 or 6 unscored pretest questions per part.
How long is the Hawaii insurance exam, and what score passes?
The candidate handbook of January 2026 allots 75 minutes to the general part and 45 minutes to the state part of each exam. Results are scaled scores with a passing score of 70, which is not a percent of questions.
How many continuing education hours does a Hawaii producer need?
Twenty-four credit hours before each license renewal for a producer licensed only for life or accident and health: twenty-one on the line of authority and three on ethics or the insurance laws and rules (HRS 431:9A-124).
Are these the real Hawaii insurance exam questions?
No. They are our own, written from the Hawaii Revised Statutes. This site has never seen the state exam, and the Hawaii Insurance Division did not write or review them. Exam mode draws 35 questions, the size of one state part.