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Life and Health Insurance Producer Exam

Conduct (HI): practice questions

Our Life & Health Insurance bank has 4 questions on this topic. Here are 3 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Hawaii

A presentation misrepresents a policy to persuade the owner to let it lapse or surrender it. Under HRS 431:13-103 this is:

  1. Lawful sales puffery
  2. Defamation of the insurer, but only if the statement is in writing
  3. A form of permitted rebating
  4. A misrepresentation of insurance policies, an unfair or deceptive act
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D. A misrepresentation of insurance policies, an unfair or deceptive act — HRS 431:13-103(a)(1)(F).

Question 2 · Hawaii

How many written complaints received within any twelve-month period charging separate violations create a rebuttable presumption of a general business practice?

  1. Ten or more, from separate insureds or claimants
  2. Any single complaint
  3. Three or more
  4. Two
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C. Three or more — HRS 431:13-103(c).

Question 3 · Hawaii

Which reward is excluded from Hawaii's definitions of rebating and discrimination?

  1. A gift card worth up to $100 for signing an application
  2. A cash refund of part of the producer's commission
  3. A qualifying wellness-program reward, if total rewards stay at or under 20% of coverage cost
  4. Shares of the insurer's stock given as an inducement
Show the answer

C. A qualifying wellness-program reward, if total rewards stay at or under 20% of coverage cost — HRS 431:13-103(a)(9)(E).

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