LIFE-HAWAII SPECIFIC
CONTENT OUTLINE
State Statutes and Rules
(30 scoreable questions plus 6 pretest questions)
I. HAWAII LAWS AND RULES COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE
......................... …20
A. Insurance Commissioner....................................... (1-2)
1. General powers and duties
Ref: 431:2-201 thru 216; 431:3-217
HRS §431:2-201 General powers and duties
HRS §431:2-201.2 Standards for commissioner
HRS §431:2-201.3 Criminal convictions; consent to engage in business
HRS §431:2-201.5 Conformity to federal law
HRS §431:2-201.8 Sales to members of the armed forces
HRS §431:2-202 Orders and notices
HRS §431:2-202.5 Approval; when deemed effective
HRS §431:2-203 Enforcement
HRS §431:2-204 Commissioner's power to subpoena
HRS §431:2-205 Commissioner to receive service of legal process on foreign or alien insurer
HRS §431:2-206 How service on commissioner made
HRS §431:2-207 Contempt proceedings
HRS §431:2-208 Access to records
HRS §431:2-209 Records and reports
HRS §431:2-210 Copies and certificates as evidence
HRS §431:2-211 Annual report
HRS §431:2-212 Interstate cooperation
HRS §431:2-214 The commissioner's education and training fund
HRS §431:2-215 Deposits to compliance resolution fund
HRS §431:2-216 Assessments of health insurers
HRS §431:3-217 Discretionary refusal, suspension or revocation provisions
2. Examination of records
Ref: 431:2-301 thru 306
HRS §431:2-301 Purpose
HRS §431:2-301.5 Examiner defined
HRS §431:2-301.6 Conflict of interest
HRS §431:2-301.7 Conduct of examinations
HRS §431:2-301.8 Immunity from liability
HRS §431:2-302 Authority, scope, and scheduling of examinations
HRS §431:2-303 Examination of producers, adjusters, promoters, and independent bill reviewers
HRS §431:2-304 Examination of guaranty associations
HRS §431:2-305 Examination reports
HRS §431:2-306 Examination expense
3. Notice of hearings
Ref: 431:2-308; 431:13-106
HRS §431:2-308 Administrative procedure act applies
HRS §431:13-106 Hearings
4. Penalties
Ref: 431:2-203; 431:9A-112, 126, 127, 129; 431:13-201 thru 204
HRS §431:2-203 Enforcement
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
HRS §431:13-201 Cease and desist and penalty orders; judicial review
HRS §431:13-202 Penalty for violation of cease and desist orders
HRS §431:13-203 Rules
HRS §431:13-204 Provisions of sections additional to existing laws
B. Definitions ............................................................... (2-3)
1. Authorized and unauthorized
Ref: 431:8-102 thru 204
HRS §431:8-102 Definitions
HRS §431:8-201 Transacting insurance business without certificate of authority prohibited
HRS §431:8-202 Acting for or aiding unauthorized insurer prohibited
HRS §431:8-203 Validity of contracts illegally effectuated
HRS §431:8-204 Liability of person assisting unauthorized insurer
2. Domestic, foreign, and alien
Ref: 431:3-101; 431:3-104 thru 105
HRS §431:3-101 Alien insurer
HRS §431:3-104 Domestic insurer
HRS §431:3-105 Foreign insurer
3. Stock, reciprocal and mutual
Ref: 431:3-106, 108, 110
HRS §431:3-106 Mutual insurer
HRS §431:3-108 Reciprocal insurer
HRS §431:3-110 Stock insurer
4. Certificate of authority
Ref: 431:3-201 thru 206
HRS §431:3-201 Authority required
HRS §431:3-202 Insurer's name
HRS §431:3-203 Qualifications for authority
HRS §431:3-203.5 Foreign insurer; certification
HRS §431:3-204 Classes of insurance authorized
HRS §431:3-205 Funds required of new insurers
HRS §431:3-206 Additional funds required, new insurers
5. Insurance
Ref: 431:1-201 thru 216
HRS §431:1-201 Insurance defined
HRS §431:1-202 Insurer defined
HRS §431:1-203 Classes of insurance
HRS §431:1-204 Life insurance defined
HRS §431:1-205 Accident and health or sickness insurance defined
HRS §431:1-206 Property insurance defined
HRS §431:1-207 Marine and transportation insurance defined
HRS §431:1-208 Vehicle insurance defined
HRS §431:1-209 General casualty insurance defined
HRS §431:1-210 Surety insurance defined
HRS §431:1-211 Ocean marine insurance defined
HRS §431:1-212 Person defined
HRS §431:1-213 State defined
HRS §431:1-214 United States defined
HRS §431:1-215 Transaction of an insurance business
HRS §431:1-216 General business practice
C. Licensing................................................................. (5-6)
1. General qualifications for licensing
Ref: 431:9A 101 through 130
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-110 Legal, trade, and assumed names
HRS §431:9A-111 Temporary licensing
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-112.3 Suspension or denial of license for noncompliance with support order
HRS §431:9A-112.5 Controlled business
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-116 Reciprocity
HRS §431:9A-117 Reporting of actions
HRS §431:9A-118 Rules
HRS §431:9A-119 Scope of examination
HRS §431:9A-120 Time of examinations
HRS §431:9A-121 Advisory board
HRS §431:9A-122 Place of business
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-123.5 Reporting and accounting for premiums
HRS §431:9A-124 Prerequisites for license renewal
HRS §431:9A-125 Continuing education recordkeeping
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-128 Nondiscrimination
HRS §431:9A-129 Penalty
HRS §431:9A-130 Commissioner's authority to grant waiver
2. Persons required to be licensed
a. Producer
Ref. 431:9A-101 thru 109, 111, 113, 114, 115, 124; 431C-3
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-111 Temporary licensing
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-124 Prerequisites for license renewal
HRS §431C-3 Licensing requirements
b. Temporary license
Ref: 431:9A-111
HRS §431:9A-111 Temporary licensing
c. Nonresident
Ref: 431:9A-108
HRS §431:9A-108 Nonresident licensing
d. Exemptions
Ref: 431:9A-104
HRS §431:9A-104 Exceptions to licensing
3. Denial, suspension, revocation of licenses
Ref: 431: 9A-112, 113, 126, 127, 129
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-113 Commissions
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
4. Renewal of license and continuing education
Ref: 431:9A-124
HRS §431:9A-124 Prerequisites for license renewal
D. Marketing practices….............................................(8-10)
1. Unfair and deceptive practices
Ref: 431:13-101 thru 108
HRS §431:13-101 Purpose
HRS §431:13-102 Unfair methods of competition; unfair or deceptive acts or practices prohibited
HRS §431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined
HRS §431:13-104 Favored producer or insurer; coercion of debtors
HRS §431:13-105 Power of commissioner
HRS §431:13-106 Hearings
HRS §431:13-107 Commissioner's right of action
HRS §431:13-108 Reimbursement for accident and health or sickness insurance benefits
2. Reporting and accounting for premiums
Ref: 431:9A123.5
HRS §431:9A-123.5 Reporting and accounting for premiums
3. Sharing commissions
Ref: 431:9A-113
HRS §431:9A-113 Commissions
4. Required records and record retention
Ref: 431:9A-123, 125
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-125 Continuing education recordkeeping
5. Controlled business
Ref: 431:9A-112.5
HRS §431:9A-112.5 Controlled business
6. Premiums
Ref: 431:10-218
HRS §431:10-218 Stated premium must include all charges
E. Guaranty Associations...........................................(0-1)
Ref: 431:16-201 thru 218
HRS §431:16-201 Title
HRS §431:16-202 Purpose
HRS §431:16-203 Coverage and limitations
HRS §431:16-204 Construction
HRS §431:16-205 Definitions
HRS §431:16-206 Creation of the association
HRS §431:16-207 Board of directors
HRS §431:16-208 Powers and duties of the association
HRS §431:16-209 Assessments
HRS §431:16-210 Plan of operation
HRS §431:16-211 Duties and powers of the commissioner
HRS §431:16-212 Prevention of insolvencies
HRS §431:16-213 Credits for assessments paid
HRS §431:16-214 Miscellaneous provisions
HRS §431:16-215 Tax exemptions
HRS §431:16-216 Immunity
HRS §431:16-217 Stay of proceedings; reopening default judgments
HRS §431:16-218 Prohibited advertisement of association act in insurance sales; notice to policyholders
II. HAWAII LAWS AND RULES PERTINENT TO LIFE INSURANCE ONLY........................................................10
A. Marketing methods and practices
1. Replacement
Ref: 431: 10D-501 through 509
HRS §431:10D-501 Purpose and scope
HRS §431:10D-502 Definitions
HRS §431:10D-503 Duties of producers
HRS §431:10D-504 Duties of insurers that use producers
HRS §431:10D-505 Duties of replacing insurers that use producers
HRS §431:10D-506 Duties of the existing insurer
HRS §431:10D-507 Duties of insurers with respect to direct-response solicitations
HRS §431:10D-508 Violations and penalties
HRS §431:10D-509 Authority to adopt rules
a. Definition
Ref: 431: 10D-502
HRS §431:10D-502 Definitions
b. Duties of producers
Ref: 431: 10D-503
HRS §431:10D-503 Duties of producers
c. Duties of insurers that use producers
Ref: 431: 10D-504
HRS §431:10D-504 Duties of insurers that use producers
d. Duties of replacing insurers that use producers
Ref: 431: 10D-505
HRS §431:10D-505 Duties of replacing insurers that use producers
e. Duties of the existing insurer
431: 10D-506
HRS §431:10D-506 Duties of the existing insurer
2. Annuities
a. Disclosure
Ref: 10D-601 thru 605
HRS §431:10D-601 Definitions
HRS §431:10D-602 Applicability of standards for disclosure
HRS §431:10D-603 Standards for the disclosure document and buyer's guide
HRS §431:10D-604 Report to contract owners
HRS §431:10D-605 Penalties
b. Suitability
Ref: 10D-621 thru 625
HRS §431:10D-621 Scope
HRS §431:10D-622 Definitions
HRS §431:10D-623 Duties of insurers and insurance producers
HRS §431:10D-624 Compliance mitigation; penalties
HRS §431:10D-625 Recordkeeping
B. Variable Contracts
Ref: 431:10D-118
HRS §431:10D-118 Variable contracts
C. Policy Clauses and Provisions
1. Protection of beneficiaries from creditors
Ref: 431:10-232
HRS §431:10-232 Exemption of proceeds; life, endowment and annuity
2. Policy loan interest rate
Ref: 431:10D-103
HRS §431:10D-103 Policy loan interest rates for policies issued after June 22, 1982
3. Spouse’s rights
Ref: 431:10D-212
HRS §431:10D-212 Spouses and dependents of insured individuals
D. Group Life
1. Group requirements
Ref: 431:10D-201, 202, 210
HRS §431:10D-201 Group life insurance requirements
HRS §431:10D-202 Employee groups
HRS §431:10D-210 Occupation, industry, and trade association groups
2. Assignment of proceeds
Ref: 431:10D-215
HRS §431:10D-215 Assignment of policies
3. Conversion
Ref: 431:10D-213 (8, 9, 10); 431:10D-214
HRS §431:10D-213 Standard provisions required
HRS §431:10D-214 Notice to insured regarding conversion right
E. Participation in Surplus
Ref: 431:10D-102(6)
HRS §431:10D-102 Standard provisions required
F. Credit Life
Ref: 431:10B-101 thru 114
HRS §431:10B-101 Purpose
HRS §431:10B-102 Scope
HRS §431:10B-103 Definitions
HRS §431:10B-104 Forms of credit life insurance and credit disability insurance
HRS §431:10B-105 Amount of credit life insurance and credit disability insurance
HRS §431:10B-106 Term of credit life and credit disability insurance
HRS §431:10B-107 Provisions of policies and certificates of insurance: disclosure to debtors
HRS §431:10B-108 Filing, approval, and withdrawal of forms and premium rates
HRS §431:10B-109 Premiums and refunds
HRS §431:10B-110 Issuance of policies
HRS §431:10B-111 Claims
HRS §431:10B-112 Existing insurance and choice of insurer
HRS §431:10B-113 Enforcement
HRS §431:10B-114 Penalties
ACCIDENT & HEALTH-HAWAII SPECIFIC
CONTENT OUTLINE
State Statutes and Rules
(30 scoreable questions plus 5 pretest questions)
I. HAWAII LAWS AND RULES COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE..........................…20
A. Insurance Commissioner .......................................(1-2)
1. General powers and duties
Ref: 431:2-201 thru 216; 431:3-217
HRS §431:2-201 General powers and duties
HRS §431:2-201.2 Standards for commissioner
HRS §431:2-201.3 Criminal convictions; consent to engage in business
HRS §431:2-201.5 Conformity to federal law
HRS §431:2-201.8 Sales to members of the armed forces
HRS §431:2-202 Orders and notices
HRS §431:2-202.5 Approval; when deemed effective
HRS §431:2-203 Enforcement
HRS §431:2-204 Commissioner's power to subpoena
HRS §431:2-205 Commissioner to receive service of legal process on foreign or alien insurer
HRS §431:2-206 How service on commissioner made
HRS §431:2-207 Contempt proceedings
HRS §431:2-208 Access to records
HRS §431:2-209 Records and reports
HRS §431:2-210 Copies and certificates as evidence
HRS §431:2-211 Annual report
HRS §431:2-212 Interstate cooperation
HRS §431:2-214 The commissioner's education and training fund
HRS §431:2-215 Deposits to compliance resolution fund
HRS §431:2-216 Assessments of health insurers
HRS §431:3-217 Discretionary refusal, suspension or revocation provisions
2. Examination of records
Ref: 431:2-301 thru 306
HRS §431:2-301 Purpose
HRS §431:2-301.5 Examiner defined
HRS §431:2-301.6 Conflict of interest
HRS §431:2-301.7 Conduct of examinations
HRS §431:2-301.8 Immunity from liability
HRS §431:2-302 Authority, scope, and scheduling of examinations
HRS §431:2-303 Examination of producers, adjusters, promoters, and independent bill reviewers
HRS §431:2-304 Examination of guaranty associations
HRS §431:2-305 Examination reports
HRS §431:2-306 Examination expense
3. Notice of hearings
Ref: 431:2-308; 431:13-106
HRS §431:2-308 Administrative procedure act applies
HRS §431:13-106 Hearings
4. Penalties
Ref: 431:2-203; 431:9A-112, 126, 127, 129; 431:13-201 thru 204
HRS §431:2-203 Enforcement
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
HRS §431:13-201 Cease and desist and penalty orders; judicial review
HRS §431:13-202 Penalty for violation of cease and desist orders
HRS §431:13-203 Rules
HRS §431:13-204 Provisions of sections additional to existing laws
B. Definitions................................................................(2-3)
1. Authorized and unauthorized
Ref: 431:8-102 thru 204
HRS §431:8-102 Definitions
HRS §431:8-201 Transacting insurance business without certificate of authority prohibited
HRS §431:8-202 Acting for or aiding unauthorized insurer prohibited
HRS §431:8-203 Validity of contracts illegally effectuated
HRS §431:8-204 Liability of person assisting unauthorized insurer
2. Domestic, foreign, and alien
Ref: 431:3-101; 431:3-104 thru 105
HRS §431:3-101 Alien insurer
HRS §431:3-104 Domestic insurer
HRS §431:3-105 Foreign insurer
3. Stock, reciprocal and mutual
Ref: 431:3-106, 108, 110
HRS §431:3-106 Mutual insurer
HRS §431:3-108 Reciprocal insurer
HRS §431:3-110 Stock insurer
4. Certificate of authority
Ref: 431:3-201 thru 206
HRS §431:3-201 Authority required
HRS §431:3-202 Insurer's name
HRS §431:3-203 Qualifications for authority
HRS §431:3-203.5 Foreign insurer; certification
HRS §431:3-204 Classes of insurance authorized
HRS §431:3-205 Funds required of new insurers
HRS §431:3-206 Additional funds required, new insurers
5. Insurance
Ref: 431:1-201 thru 216
HRS §431:1-201 Insurance defined
HRS §431:1-202 Insurer defined
HRS §431:1-203 Classes of insurance
HRS §431:1-204 Life insurance defined
HRS §431:1-205 Accident and health or sickness insurance defined
HRS §431:1-206 Property insurance defined
HRS §431:1-207 Marine and transportation insurance defined
HRS §431:1-208 Vehicle insurance defined
HRS §431:1-209 General casualty insurance defined
HRS §431:1-210 Surety insurance defined
HRS §431:1-211 Ocean marine insurance defined
HRS §431:1-212 Person defined
HRS §431:1-213 State defined
HRS §431:1-214 United States defined
HRS §431:1-215 Transaction of an insurance business
HRS §431:1-216 General business practice
C. Licensing................................................................. (5-6)
1. General qualifications for licensing
Ref: 431:9A 101 through 130
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-110 Legal, trade, and assumed names
HRS §431:9A-111 Temporary licensing
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-112.3 Suspension or denial of license for noncompliance with support order
HRS §431:9A-112.5 Controlled business
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-116 Reciprocity
HRS §431:9A-117 Reporting of actions
HRS §431:9A-118 Rules
HRS §431:9A-119 Scope of examination
HRS §431:9A-120 Time of examinations
HRS §431:9A-121 Advisory board
HRS §431:9A-122 Place of business
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-123.5 Reporting and accounting for premiums
HRS §431:9A-124 Prerequisites for license renewal
HRS §431:9A-125 Continuing education recordkeeping
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-128 Nondiscrimination
HRS §431:9A-129 Penalty
HRS §431:9A-130 Commissioner's authority to grant waiver
2. Persons required to be licensed
a. Producer
Ref. 431:9A-101 thru 109, 111, 113, 114, 115, 124; 431C-3
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-111 Temporary licensing
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-124 Prerequisites for license renewal
HRS §431C-3 Licensing requirements
b. Temporary license
Ref: 431:9A-111
HRS §431:9A-111 Temporary licensing
c. Nonresident
Ref: 431:9A-108
HRS §431:9A-108 Nonresident licensing
d. Exemptions
Ref: 431:9A-104
HRS §431:9A-104 Exceptions to licensing
3. Denial, suspension, revocation of licenses
Ref: 431:9A-112, 113, 126, 127, 129
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-113 Commissions
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
4. Renewal of license and continuing education
Ref: 431:9A-124
HRS §431:9A-124 Prerequisites for license renewal
D. Marketing practices................................................ (8-10)
1. Unfair and deceptive practices
Ref: 431:13-101 thru 108
HRS §431:13-101 Purpose
HRS §431:13-102 Unfair methods of competition; unfair or deceptive acts or practices prohibited
HRS §431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined
HRS §431:13-104 Favored producer or insurer; coercion of debtors
HRS §431:13-105 Power of commissioner
HRS §431:13-106 Hearings
HRS §431:13-107 Commissioner's right of action
HRS §431:13-108 Reimbursement for accident and health or sickness insurance benefits
2. Reporting and accounting for premiums
Ref: 431:9A-123.5
HRS §431:9A-123.5 Reporting and accounting for premiums
3. Sharing commissions
Ref: 431:9A-113
HRS §431:9A-113 Commissions
4. Required records and record retention
Ref: 431:9A-123, 125
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-125 Continuing education recordkeeping
5. Controlled business
Ref: 431:9A-112.5
HRS §431:9A-112.5 Controlled business
6. Premiums
Ref: 431:10-218
HRS §431:10-218 Stated premium must include all charges
E. Guaranty Associations .......................................... (0-1)
Ref: 431:16-201 thru 219
HRS §431:16-201 Title
HRS §431:16-202 Purpose
HRS §431:16-203 Coverage and limitations
HRS §431:16-204 Construction
HRS §431:16-205 Definitions
HRS §431:16-206 Creation of the association
HRS §431:16-207 Board of directors
HRS §431:16-208 Powers and duties of the association
HRS §431:16-209 Assessments
HRS §431:16-210 Plan of operation
HRS §431:16-211 Duties and powers of the commissioner
HRS §431:16-212 Prevention of insolvencies
HRS §431:16-213 Credits for assessments paid
HRS §431:16-214 Miscellaneous provisions
HRS §431:16-215 Tax exemptions
HRS §431:16-216 Immunity
HRS §431:16-217 Stay of proceedings; reopening default judgments
HRS §431:16-218 Prohibited advertisement of association act in insurance sales; notice to policyholders
HRS §431:16-219 Repealed
II. HAWAII LAWS AND RULES PERTINENT TO ACCIDENT AND HEALTH INSURANCE ONLY............ 10
A. Marketing methods and practices....................... (3-4)
1. Prepaid health care
Ref: Title 21 – Chapters 393
HRS §393-1 Short title
HRS §393-2 Findings and purpose
HRS §393-3 Definitions generally
HRS §393-4 Place of performance
HRS §393-5 Excluded services
HRS §393-6 Principal and secondary employer defined; coercion, interference, etc. prohibited
HRS §393-7 Required health care benefits
HRS §393-11 Coverage of regular employees by group prepaid health care plan
HRS §393-12 Choice of plan type and of contractor
HRS §393-13 Liability for payment of premium; withholding; recovery of premium
HRS §393-14 Commencement of coverage
HRS §393-15 Continuation of coverage in case of inability to earn wages
HRS §393-16 Liability of secondary employer
HRS §393-17 Exemption of certain employees
HRS §393-18 Termination of exemption
HRS §393-19 Freedom of collective bargaining
HRS §393-20 Adjustment of employer-sponsored plans
HRS §393-21 Individual waivers; additional withholding for dependents
HRS §393-22 Exemption of followers of certain teachings of beliefs
HRS §393-23 Joint provision of coverage
HRS §393-24 Noncomplying employer held liable for employee's health care costs
HRS §393-31 Enforcement by the director
HRS §393-32 Rulemaking and other powers of the director
HRS §393-33 Penalties; injunction
HRS §393-34 Penalties
HRS §393-41 Establishment of special premium supplementation fund
HRS §393-42 Management of the fund
HRS §393-43 Disbursements from the fund
HRS §393-44 Investment of moneys
HRS §393-45 Entitlement to premium supplementation
HRS §393-46 Income directly attributable to the business
HRS §393-47 Claim of premium supplementation
HRS §393-48 Prepaid health care benefits to be paid from the premium supplementation fund; recovery of benefits
2. Temporary Disability Insurance (TDI)
Ref: Title 21 – Chapters 392
HRS §392-1 Short title
HRS §392-2 Findings and purpose
HRS §392-3 Definitions generally
HRS §392-4 Place of performance
HRS §392-5 Excluded services
HRS §392-6 Individual in current employment
HRS §392-7 Average weekly wage
HRS §392-21 Establishment of temporary disability benefits
HRS §392-21.5 Proceedings to determine employment and coverage
HRS §392-22 Weekly benefit amount
HRS §392-23 Duration of benefit payments
HRS §392-24 Waiting period
HRS §392-25 Eligibility for benefits
HRS §392-26 Care by physician or equivalent required
HRS §392-27 Ineligibility in certain cases
HRS §392-28 Duplication of benefits not permitted
HRS §392-29 No assignment of benefits; exemptions from attachment, etc.
HRS §392-41 Provision for payment of benefits
HRS §392-42 Notice of insurance
HRS §392-42.5 Insurer's requirements; failure to maintain a claims service office; penalty; injunction
HRS §392-43 Authority to withhold contributions, rate of contribution, maximum weekly wage base
HRS §392-43.5 Payments of premium for ineligible employees not permitted
HRS §392-44 Payment of disability benefits
HRS §392-44.5 Notice of denial
HRS §392-45 Subrogation rights if employee entitled to workers' compensation benefits or indemnity under employers' liability acts
HRS §392-46 Subrogation rights against third parties
HRS §392-47 Failure to give security for payment of benefits; penalty; injunction
HRS §392-48 The insurance contract
HRS §392-49 Insolvency of employer not to release insurer
HRS §392-50 Cancellation of insurance contracts
HRS §392-51 Failure to submit timely wage and employment information
HRS §392-52 Disposition of accrued benefits where insurer is unable to locate employee
HRS §392-61 Establishment of special fund for disability benefits
HRS §392-62 Management of the fund
HRS §392-63 Disbursements from the fund
HRS §392-64 Investment of moneys
HRS §392-65 Temporary disability benefits to be paid from the special fund for disability benefits; recovery of disability benefits
HRS §392-66 Disability while unemployed
HRS §392-67 Assessments for the special fund for disability benefits
HRS §392-68 Failure to pay assessments
HRS §392-69 Request for wage and employment information
HRS §392-71 Appeal tribunal
HRS §392-72 Appeals, filing and hearing
HRS §392-73 Procedure
HRS §392-74 Conclusiveness of determinations and decisions
HRS §392-75 Judicial review
HRS §392-76 Representation
HRS §392-77 Payment of benefits
HRS §392-78 Recovery of benefits paid; individual's liability to repay benefits; insurer's appeal rights
HRS §392-79 Reconsideration
HRS §392-80 Appeal pending when reconsideration issued
HRS §392-81 Notice of reconsideration
HRS §392-86 Disputes between employers and employees relating to withholding of wages
HRS §392-91 Enforcement by the director
HRS §392-92 Penalties
HRS §392-101 Limitation of fees
B. Policy clauses and provisions ............................ (2-4)
1. Mandated benefits
Ref. 431:10-212; 431:10-217.5; 431:10A: 115 thru 121; 431:10A-206 thru 208
HRS §431:10-212 Contract limitations for handicapped children and children with intellectual disabilities
HRS §431:10-217.5 Policies relating to domestic abuse cases
HRS §431:10A-115 Coverage of newborn children
HRS §431:10A-115.5 Coverage for child health supervision services
HRS §431:10A-116 Coverage for specific services
HRS §431:10A-116.2 Mammograms; referral not required
HRS §431:10A-116.3 Coverage for telehealth
HRS §431:10A-116.5 In vitro fertilization procedure coverage
HRS §431:10A-116.6 Contraceptive services
HRS §431:10A-116.7 Contraceptive services; religious employers exemption
HRS §431:10A-117 Franchise plan
HRS §431:10A-118 Genetic information nondiscrimination in accident and health or sickness insurance coverage
HRS §431:10A-119 Hospice care coverage
HRS §431:10A-120 Medical foods and low-protein modified food products; treatment of inborn error of metabolism; notice
HRS §431:10A-121 Coverage for diabetes
HRS §431:10A-206 Coverage of newborn children
HRS §431:10A-206.5 Coverage for child health supervision services
HRS §431:10A-207 Coverage for specific services
HRS §431:10A-208 Qualified medical child support order
2. Cancellation
Ref: 431:10A-106(7)
HRS §431:10A-106 Optional provisions
C. Long Term Care……............................................. (2-5)
1. Basic standards
Ref: 431:10H-107
HRS §431:10H-107 Basic standards
2. Outline of coverage
Ref: 431:10H-112
HRS §431:10H-112 Outline of coverage required
3. Policy definitions
Ref: 431:10H-201
HRS §431:10H-201 Policy definitions
4. Suitability
Ref: 431:10H-231
HRS §431:10H-231 Suitability
PROPERTY-HAWAII SPECIFIC
CONTENT OUTLINE
State Statutes and Rules
(28 scoreable questions plus 5 pretest questions)
I. HAWAII LAWS AND RULES COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE..........................…20
A. Insurance Commissioner .......................................(1-2)
1. General powers and duties
Ref: 431:2-201 thru 216; 431:3-217
HRS §431:2-201 General powers and duties
HRS §431:2-201.2 Standards for commissioner
HRS §431:2-201.3 Criminal convictions; consent to engage in business
HRS §431:2-201.5 Conformity to federal law
HRS §431:2-201.8 Sales to members of the armed forces
HRS §431:2-202 Orders and notices
HRS §431:2-202.5 Approval; when deemed effective
HRS §431:2-203 Enforcement
HRS §431:2-204 Commissioner's power to subpoena
HRS §431:2-205 Commissioner to receive service of legal process on foreign or alien insurer
HRS §431:2-206 How service on commissioner made
HRS §431:2-207 Contempt proceedings
HRS §431:2-208 Access to records
HRS §431:2-209 Records and reports
HRS §431:2-210 Copies and certificates as evidence
HRS §431:2-211 Annual report
HRS §431:2-212 Interstate cooperation
HRS §431:2-214 The commissioner's education and training fund
HRS §431:2-215 Deposits to compliance resolution fund
HRS §431:2-216 Assessments of health insurers
HRS §431:3-217 Discretionary refusal, suspension or revocation provisions
2. Examination of records
Ref: 431:2-301 thru 306
HRS §431:2-301 Purpose
HRS §431:2-301.5 Examiner defined
HRS §431:2-301.6 Conflict of interest
HRS §431:2-301.7 Conduct of examinations
HRS §431:2-301.8 Immunity from liability
HRS §431:2-302 Authority, scope, and scheduling of examinations
HRS §431:2-303 Examination of producers, adjusters, promoters, and independent bill reviewers
HRS §431:2-304 Examination of guaranty associations
HRS §431:2-305 Examination reports
HRS §431:2-306 Examination expense
3. Notice of hearings
Ref: 431:2-308; 431:13-106
HRS §431:2-308 Administrative procedure act applies
HRS §431:13-106 Hearings
4. Penalties
Ref: 431:2-203; 431:9A-112, 126, 127, 129; 431:13-201 thru 204
HRS §431:2-203 Enforcement
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
HRS §431:13-201 Cease and desist and penalty orders; judicial review
HRS §431:13-202 Penalty for violation of cease and desist orders
HRS §431:13-203 Rules
HRS §431:13-204 Provisions of sections additional to existing laws
B. Definitions................................................................(2-3)
1. Authorized and unauthorized
Ref: 431:8-102 thru 204
HRS §431:8-102 Definitions
HRS §431:8-201 Transacting insurance business without certificate of authority prohibited
HRS §431:8-202 Acting for or aiding unauthorized insurer prohibited
HRS §431:8-203 Validity of contracts illegally effectuated
HRS §431:8-204 Liability of person assisting unauthorized insurer
2. Domestic, foreign, and alien
Ref: 431:3-101; 431:3-104 thru 105
HRS §431:3-101 Alien insurer
HRS §431:3-104 Domestic insurer
HRS §431:3-105 Foreign insurer
3. Stock, reciprocal and mutual
Ref: 431:3-106, 108, 110
HRS §431:3-106 Mutual insurer
HRS §431:3-108 Reciprocal insurer
HRS §431:3-110 Stock insurer
4. Certificate of authority
Ref: 431:3-201 thru 206
HRS §431:3-201 Authority required
HRS §431:3-202 Insurer's name
HRS §431:3-203 Qualifications for authority
HRS §431:3-203.5 Foreign insurer; certification
HRS §431:3-204 Classes of insurance authorized
HRS §431:3-205 Funds required of new insurers
HRS §431:3-206 Additional funds required, new insurers
5. Insurance
Ref: 431:1-201 thru 216
HRS §431:1-201 Insurance defined
HRS §431:1-202 Insurer defined
HRS §431:1-203 Classes of insurance
HRS §431:1-204 Life insurance defined
HRS §431:1-205 Accident and health or sickness insurance defined
HRS §431:1-206 Property insurance defined
HRS §431:1-207 Marine and transportation insurance defined
HRS §431:1-208 Vehicle insurance defined
HRS §431:1-209 General casualty insurance defined
HRS §431:1-210 Surety insurance defined
HRS §431:1-211 Ocean marine insurance defined
HRS §431:1-212 Person defined
HRS §431:1-213 State defined
HRS §431:1-214 United States defined
HRS §431:1-215 Transaction of an insurance business
HRS §431:1-216 General business practice
C. Licensing. ................................................................(5-6)
1. General qualifications for licensing
Ref: 431:9A 101 through 130
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-110 Legal, trade, and assumed names
HRS §431:9A-111 Temporary licensing
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-112.3 Suspension or denial of license for noncompliance with support order
HRS §431:9A-112.5 Controlled business
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-116 Reciprocity
HRS §431:9A-117 Reporting of actions
HRS §431:9A-118 Rules
HRS §431:9A-119 Scope of examination
HRS §431:9A-120 Time of examinations
HRS §431:9A-121 Advisory board
HRS §431:9A-122 Place of business
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-123.5 Reporting and accounting for premiums
HRS §431:9A-124 Prerequisites for license renewal
HRS §431:9A-125 Continuing education recordkeeping
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-128 Nondiscrimination
HRS §431:9A-129 Penalty
HRS §431:9A-130 Commissioner's authority to grant waiver
2. Persons required to be licensed
a. Producer
Ref. 431:9A-101 thru 109, 111, 113, 114, 115, 124; 431C-3
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-111 Temporary licensing
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-124 Prerequisites for license renewal
HRS §431C-3 Licensing requirements
b. Temporary license
Ref: 431:9A-111
HRS §431:9A-111 Temporary licensing
c. Nonresident
Ref: 431:9A-108
HRS §431:9A-108 Nonresident licensing
d. Exemptions
Ref: 431:9A-104
HRS §431:9A-104 Exceptions to licensing
3. Denial, suspension, revocation of licenses
Ref: 431:9A-112, 113, 126, 127, 129
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-113 Commissions
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
4. Renewal of license and continuing education
Ref: 431:9A-124
HRS §431:9A-124 Prerequisites for license renewal
D. Marketing practices.......................................(8-10)
1. Unfair and deceptive practices
Ref: 431:13-101 thru 108
HRS §431:13-101 Purpose
HRS §431:13-102 Unfair methods of competition; unfair or deceptive acts or practices prohibited
HRS §431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined
HRS §431:13-104 Favored producer or insurer; coercion of debtors
HRS §431:13-105 Power of commissioner
HRS §431:13-106 Hearings
HRS §431:13-107 Commissioner's right of action
HRS §431:13-108 Reimbursement for accident and health or sickness insurance benefits
2. Reporting and accounting for premiums
Ref: 431:9A-123.5
HRS §431:9A-123.5 Reporting and accounting for premiums
3. Sharing commissions
Ref: 431:9A-113
HRS §431:9A-113 Commissions
4. Required records and record retention
Ref: 431:9A-123, 125
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-125 Continuing education recordkeeping
5. Controlled business
Ref: 431:9A-112.5
HRS §431:9A-112.5 Controlled business
6. Premiums
Ref: 431:10-218
HRS §431:10-218 Stated premium must include all charges
E. Guaranty Associations .......................................... (0-1)
Ref: 431:16-101 thru 117
HRS §431:16-101 Title
HRS §431:16-102 Purpose
HRS §431:16-103 Scope
HRS §431:16-104 Construction
HRS §431:16-105 Definitions
HRS §431:16-106 Creation of association
HRS §431:16-107 Board of directors
HRS §431:16-108 Powers and duties of the association
HRS §431:16-109 Plan of operation
HRS §431:16-110 Duties and powers of the commissioner
HRS §431:16-111 Effect of paid claims
HRS §431:16-112 Exhaustion of other coverage
HRS §431:16-113 Prevention of insolvencies
HRS §431:16-114 Tax exemption
HRS §431:16-115 Recoupment of assessment
HRS §431:16-116 Immunity
HRS §431:16-117 Stay of proceedings
II. HAWAII LAWS AND RULES COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY .... 3
A. Adjuster ................................................................... (0-1)
1. Definition
Ref: 431:9-105, 229
HRS §431:9-105 Definitions
HRS §431:9-229 Records of adjuster or independent bill reviewer
2. Qualification for license
Ref: 431:9-203,222
HRS §431:9-203 General qualifications for license
HRS §431:9-222 Qualification for adjuster's license
B. Unauthorized Insurers (Surplus Lines) ................ (1-2)
Ref: 431:8-101 thru 302, 305 thru 320
HRS §431:8-101 Scope
HRS §431:8-102 Definitions
HRS §431:8-201 Transacting insurance business without certificate of authority prohibited
HRS §431:8-202 Acting for or aiding unauthorized insurer prohibited
HRS §431:8-203 Validity of contracts illegally effectuated
HRS §431:8-204 Liability of person assisting unauthorized insurer
HRS §431:8-205 Insurance independently procured; duty to report and pay tax
HRS §431:8-206 Commissioner may enjoin unauthorized insurers
HRS §431:8-207 Legal process against unauthorized insurer; how service of process made
HRS §431:8-208 Defense of action by unauthorized insurer; bond
HRS §431:8-209 Attorney's fees
HRS §431:8-210 Advertising prohibited
HRS §431:8-211 Penalties
HRS §431:8-300 Exemptions from surplus lines law
HRS §431:8-301 Insurance placed with unauthorized insurer permitted
HRS §431:8-302 Surplus lines insurers
HRS §431:8-305 Evidence of insurance; changes; penalties
HRS §431:8-306 Signature of broker and special endorsement of surplus lines policy
HRS §431:8-307 Broker's duty to notify insured
HRS §431:8-308 Surplus lines insurance valid
HRS §431:8-309 Effect of payment to surplus lines broker
HRS §431:8-310 Surplus lines broker license required; application and qualifications for license
HRS §431:8-311 Compensation
HRS §431:8-312 Records of surplus lines broker
HRS §431:8-313 Surplus lines broker's reports to commissioner
HRS §431:8-314 Surplus lines advisory organizations
HRS §431:8-315 Tax on surplus lines
HRS §431:8-316 Penalty for failure to file statement or remit tax
HRS §431:8-317 License denial, nonrenewal, suspension, or revocation
HRS §431:8-318 Examination of surplus lines broker's accounts and records
HRS §431:8-319 Actions against surplus lines insurer; service of process
HRS §431:8-320 Penalties
C. Casualty, Surety, Property, Marine, and Transportation Rate Regulation............................ (0-1)
Ref: 431:14-101 thru 118, 120
HRS §431:14-101 Purpose
HRS §431:14-101.5 Definitions
HRS §431:14-102 Scope
HRS §431:14-103 Making of rates
HRS §431:14-103.3 Rate adjustment mandates
HRS §431:14-103.5 Contracting classification premium program
HRS §431:14-104 Rate filings
HRS §431:14-104.5 Loss cost filings
HRS §431:14-105 Policy revisions that alter coverage
HRS §431:14-105.5 Standing to intervene in rate filing and ratemaking proceedings
HRS §431:14-106 Disapproval of filings
HRS §431:14-107 Rating organizations
HRS §431:14-107.1 Rating and advisory organizations, permitted activity
HRS §431:14-107.2 Insurers and organizations, prohibited activity
HRS §431:14-107.3 Rating or advisory organizations, prohibited activity
HRS §431:14-108 Deviations
HRS §431:14-109 Appeal by minority
HRS §431:14-110 Information to be furnished insureds; hearings and appeals of insureds
HRS §431:14-110.5 Disclosure of workers' compensation premium information
HRS §431:14-110.8 Publication of homeowners insurance premium information
HRS §431:14-111 Advisory organizations
HRS §431:14-112 Joint underwriting or joint reinsurance
HRS §431:14-113 Examination
HRS §431:14-114 Rate administration
HRS §431:14-115 False or misleading information
HRS §431:14-116 Assigned risks
HRS §431:14-116.5 Assigned risk pool; experience rating plan
HRS §431:14-116.6 Assigned risk pool; residual market plan
HRS §431:14-117 Penalties
HRS §431:14-118 Hearing procedure and judicial review
HRS §431:14-120 Additional powers for workers' compensation rate filing and ratemaking
III. HAWAII LAWS ANDRULES PERTINENT TO PROPERTY INSURANCE ONLY .................................. 5
A. Definitions
1. Property insurance
Ref: 431:1-206; 431:10E-101 thru 103
HRS §431:1-206 Property insurance defined
HRS §431:10E-101 Insurable interest in property required
HRS §431:10E-102 Over-insurance prohibited; exceptions
HRS §431:10E-103 Exceptions
2. Marine and transportation insurance
Ref: 431:1-207
HRS §431:1-207 Marine and transportation insurance defined
B. Standard Form Fire Policy
Ref: 431:10-210
HRS §431:10-210 Standard form fire insurance policy
C. Multi-Peril Policies
Ref: 431:10-219
HRS §431:10-219 Multi-peril policies, premiums stated separately
D. Overinsurance
Ref: 431:10E-102 thru 103
HRS §431:10E-102 Over-insurance prohibited; exceptions
HRS §431:10E-103 Exceptions
E. Hawaii Property Insurance Association (HPIA)
Ref: 431:21-101 thru 118
HRS §431:21-101 Purpose
HRS §431:21-102 Definitions
HRS §431:21-103 Creation of association
HRS §431:21-104 Board of directors
HRS §431:21-105 Powers and duties of the association
HRS §431:21-105.5 Default in payment of assessments
HRS §431:21-106 Plan of operation
HRS §431:21-107 Designation of area
HRS §431:21-108 Renewals of existing policies
HRS §431:21-109 Insurance coverages available under plan
HRS §431:21-110 Application; inspection
HRS §431:21-111 Duties and powers of the commissioner
HRS §431:21-112 Reports
HRS §431:21-113 Appeals
HRS §431:21-114 Tax exemptions
HRS §431:21-115 Credits for assessments paid
HRS §431:21-116 Examination
HRS §431:21-117 Immunity and limitation on liability
HRS §431:21-118 Status of association policies
CASUALTY-HAWAII SPECIFIC
CONTENT OUTLINE
State Statutes and Rules
(36 scoreable questions plus 7 pretest questions)
I. HAWAII LAWS AND RULES COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE..........................…20
A. Insurance Commissioner……………………...(1-2)
1. General powers and duties
Ref: 431:2-201 thru 216; 431:3-217
HRS §431:2-201 General powers and duties
HRS §431:2-201.2 Standards for commissioner
HRS §431:2-201.3 Criminal convictions; consent to engage in business
HRS §431:2-201.5 Conformity to federal law
HRS §431:2-201.8 Sales to members of the armed forces
HRS §431:2-202 Orders and notices
HRS §431:2-202.5 Approval; when deemed effective
HRS §431:2-203 Enforcement
HRS §431:2-204 Commissioner's power to subpoena
HRS §431:2-205 Commissioner to receive service of legal process on foreign or alien insurer
HRS §431:2-206 How service on commissioner made
HRS §431:2-207 Contempt proceedings
HRS §431:2-208 Access to records
HRS §431:2-209 Records and reports
HRS §431:2-210 Copies and certificates as evidence
HRS §431:2-211 Annual report
HRS §431:2-212 Interstate cooperation
HRS §431:2-214 The commissioner's education and training fund
HRS §431:2-215 Deposits to compliance resolution fund
HRS §431:2-216 Assessments of health insurers
HRS §431:3-217 Discretionary refusal, suspension or revocation provisions
2. Examination of records
Ref: 431:2-301 thru 306
HRS §431:2-301 Purpose
HRS §431:2-301.5 Examiner defined
HRS §431:2-301.6 Conflict of interest
HRS §431:2-301.7 Conduct of examinations
HRS §431:2-301.8 Immunity from liability
HRS §431:2-302 Authority, scope, and scheduling of examinations
HRS §431:2-303 Examination of producers, adjusters, promoters, and independent bill reviewers
HRS §431:2-304 Examination of guaranty associations
HRS §431:2-305 Examination reports
HRS §431:2-306 Examination expense
3. Notice of hearings
Ref: 431:2-308; 431:13-106
HRS §431:2-308 Administrative procedure act applies
HRS §431:13-106 Hearings
4. Penalties
Ref: 431:2-203; 431:9A-112, 126, 127, 129; 431:13-201 thru 204
HRS §431:2-203 Enforcement
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
HRS §431:13-201 Cease and desist and penalty orders; judicial review
HRS §431:13-202 Penalty for violation of cease and desist orders
HRS §431:13-203 Rules
HRS §431:13-204 Provisions of sections additional to existing laws
B. Definitions................................................................(2-3)
1. Authorized and unauthorized
Ref: 431:8-102 thru 204
HRS §431:8-102 Definitions
HRS §431:8-201 Transacting insurance business without certificate of authority prohibited
HRS §431:8-202 Acting for or aiding unauthorized insurer prohibited
HRS §431:8-203 Validity of contracts illegally effectuated
HRS §431:8-204 Liability of person assisting unauthorized insurer
2. Domestic, foreign, and alien
Ref: 431:3-101; 431:3-104 thru 105
HRS §431:3-101 Alien insurer
HRS §431:3-104 Domestic insurer
HRS §431:3-105 Foreign insurer
3. Stock, reciprocal and mutual
Ref: 431:3-106, 108, 110
HRS §431:3-106 Mutual insurer
HRS §431:3-108 Reciprocal insurer
HRS §431:3-110 Stock insurer
4. Certificate of authority
Ref: 431:3-201 thru 206
HRS §431:3-201 Authority required
HRS §431:3-202 Insurer's name
HRS §431:3-203 Qualifications for authority
HRS §431:3-203.5 Foreign insurer; certification
HRS §431:3-204 Classes of insurance authorized
HRS §431:3-205 Funds required of new insurers
HRS §431:3-206 Additional funds required, new insurers
5. Insurance
Ref: 431:1-201 thru 216
HRS §431:1-201 Insurance defined
HRS §431:1-202 Insurer defined
HRS §431:1-203 Classes of insurance
HRS §431:1-204 Life insurance defined
HRS §431:1-205 Accident and health or sickness insurance defined
HRS §431:1-206 Property insurance defined
HRS §431:1-207 Marine and transportation insurance defined
HRS §431:1-208 Vehicle insurance defined
HRS §431:1-209 General casualty insurance defined
HRS §431:1-210 Surety insurance defined
HRS §431:1-211 Ocean marine insurance defined
HRS §431:1-212 Person defined
HRS §431:1-213 State defined
HRS §431:1-214 United States defined
HRS §431:1-215 Transaction of an insurance business
HRS §431:1-216 General business practice
C. Licensing. ................................................................(5-6)
1. General qualifications for licensing
Ref: 431:9A 101 through 130
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-110 Legal, trade, and assumed names
HRS §431:9A-111 Temporary licensing
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-112.3 Suspension or denial of license for noncompliance with support order
HRS §431:9A-112.5 Controlled business
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-116 Reciprocity
HRS §431:9A-117 Reporting of actions
HRS §431:9A-118 Rules
HRS §431:9A-119 Scope of examination
HRS §431:9A-120 Time of examinations
HRS §431:9A-121 Advisory board
HRS §431:9A-122 Place of business
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-123.5 Reporting and accounting for premiums
HRS §431:9A-124 Prerequisites for license renewal
HRS §431:9A-125 Continuing education recordkeeping
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-128 Nondiscrimination
HRS §431:9A-129 Penalty
HRS §431:9A-130 Commissioner's authority to grant waiver
2. Persons required to be licensed
a. Producer
Ref. 431:9A-101 thru 109, 111, 113, 114, 115, 124; 431C-3
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-111 Temporary licensing
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-124 Prerequisites for license renewal
HRS §431C-3 Licensing requirements
b. Temporary license
Ref: 431:9A-111
HRS §431:9A-111 Temporary licensing
c. Nonresident
Ref: 431:9A-108
HRS §431:9A-108 Nonresident licensing
d. Exemptions
Ref: 431:9A-104
HRS §431:9A-104 Exceptions to licensing
3. Denial, suspension, revocation of licenses
Ref: 431:9A-112, 113, 126, 127, 129
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-113 Commissions
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
4. Renewal of license and continuing education
Ref: 431:9A-124
HRS §431:9A-124 Prerequisites for license renewal
D. Marketing practices.......................................(8-10)
1. Unfair and deceptive practices
Ref: 431:13-101 thru 108
HRS §431:13-101 Purpose
HRS §431:13-102 Unfair methods of competition; unfair or deceptive acts or practices prohibited
HRS §431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined
HRS §431:13-104 Favored producer or insurer; coercion of debtors
HRS §431:13-105 Power of commissioner
HRS §431:13-106 Hearings
HRS §431:13-107 Commissioner's right of action
HRS §431:13-108 Reimbursement for accident and health or sickness insurance benefits
2. Reporting and accounting for premiums
Ref: 431:9A-123.5
HRS §431:9A-123.5 Reporting and accounting for premiums
3. Sharing commissions
Ref: 431:9A-113
HRS §431:9A-113 Commissions
4. Required records and record retention
Ref: 9A-123, 125
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-125 Continuing education recordkeeping
5. Controlled business
Ref: 431:9A-112.5
HRS §431:9A-112.5 Controlled business
6. Premiums
Ref: 431:10-218
HRS §431:10-218 Stated premium must include all charges
E. Guaranty Associations .......................................... (0-1)
Ref: 431:16-101 thru 117
HRS §431:16-101 Title
HRS §431:16-102 Purpose
HRS §431:16-103 Scope
HRS §431:16-104 Construction
HRS §431:16-105 Definitions
HRS §431:16-106 Creation of association
HRS §431:16-107 Board of directors
HRS §431:16-108 Powers and duties of the association
HRS §431:16-109 Plan of operation
HRS §431:16-110 Duties and powers of the commissioner
HRS §431:16-111 Effect of paid claims
HRS §431:16-112 Exhaustion of other coverage
HRS §431:16-113 Prevention of insolvencies
HRS §431:16-114 Tax exemption
HRS §431:16-115 Recoupment of assessment
HRS §431:16-116 Immunity
HRS §431:16-117 Stay of proceedings
II. HAWAII LAWS AND RULES COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY ..... 2
A. ADJUSTER .............................................................. (0-1)
1. Definition
Ref: 431:9-105
HRS §431:9-105 Definitions
2. Qualification for license
Ref: 431:9-203, 222
HRS §431:9-203 General qualifications for license
HRS §431:9-222 Qualification for adjuster's license
B. Unauthorized Insurers (Surplus Lines) ................ (1-2)
Ref: 431:8-101 thru 302, 305 thru 320
HRS §431:8-101 Scope
HRS §431:8-102 Definitions
HRS §431:8-201 Transacting insurance business without certificate of authority prohibited
HRS §431:8-202 Acting for or aiding unauthorized insurer prohibited
HRS §431:8-203 Validity of contracts illegally effectuated
HRS §431:8-204 Liability of person assisting unauthorized insurer
HRS §431:8-205 Insurance independently procured; duty to report and pay tax
HRS §431:8-206 Commissioner may enjoin unauthorized insurers
HRS §431:8-207 Legal process against unauthorized insurer; how service of process made
HRS §431:8-208 Defense of action by unauthorized insurer; bond
HRS §431:8-209 Attorney's fees
HRS §431:8-210 Advertising prohibited
HRS §431:8-211 Penalties
HRS §431:8-300 Exemptions from surplus lines law
HRS §431:8-301 Insurance placed with unauthorized insurer permitted
HRS §431:8-302 Surplus lines insurers
HRS §431:8-305 Evidence of insurance; changes; penalties
HRS §431:8-306 Signature of broker and special endorsement of surplus lines policy
HRS §431:8-307 Broker's duty to notify insured
HRS §431:8-308 Surplus lines insurance valid
HRS §431:8-309 Effect of payment to surplus lines broker
HRS §431:8-310 Surplus lines broker license required; application and qualifications for license
HRS §431:8-311 Compensation
HRS §431:8-312 Records of surplus lines broker
HRS §431:8-313 Surplus lines broker's reports to commissioner
HRS §431:8-314 Surplus lines advisory organizations
HRS §431:8-315 Tax on surplus lines
HRS §431:8-316 Penalty for failure to file statement or remit tax
HRS §431:8-317 License denial, nonrenewal, suspension, or revocation
HRS §431:8-318 Examination of surplus lines broker's accounts and records
HRS §431:8-319 Actions against surplus lines insurer; service of process
HRS §431:8-320 Penalties
C. Casualty, Surety, Property, Marine, and Transportation Rate Regulation............................ (0-1)
Ref: 431:14-101 thru 118, 120
HRS §431:14-101 Purpose
HRS §431:14-101.5 Definitions
HRS §431:14-102 Scope
HRS §431:14-103 Making of rates
HRS §431:14-103.3 Rate adjustment mandates
HRS §431:14-103.5 Contracting classification premium program
HRS §431:14-104 Rate filings
HRS §431:14-104.5 Loss cost filings
HRS §431:14-105 Policy revisions that alter coverage
HRS §431:14-105.5 Standing to intervene in rate filing and ratemaking proceedings
HRS §431:14-106 Disapproval of filings
HRS §431:14-107 Rating organizations
HRS §431:14-107.1 Rating and advisory organizations, permitted activity
HRS §431:14-107.2 Insurers and organizations, prohibited activity
HRS §431:14-107.3 Rating or advisory organizations, prohibited activity
HRS §431:14-108 Deviations
HRS §431:14-109 Appeal by minority
HRS §431:14-110 Information to be furnished insureds; hearings and appeals of insureds
HRS §431:14-110.5 Disclosure of workers' compensation premium information
HRS §431:14-110.8 Publication of homeowners insurance premium information
HRS §431:14-111 Advisory organizations
HRS §431:14-112 Joint underwriting or joint reinsurance
HRS §431:14-113 Examination
HRS §431:14-114 Rate administration
HRS §431:14-115 False or misleading information
HRS §431:14-116 Assigned risks
HRS §431:14-116.5 Assigned risk pool; experience rating plan
HRS §431:14-116.6 Assigned risk pool; residual market plan
HRS §431:14-117 Penalties
HRS §431:14-118 Hearing procedure and judicial review
HRS §431:14-120 Additional powers for workers' compensation rate filing and ratemaking
III. HAWAII LAWS AND RULES PERTINENT TO CASUALTY INSURANCE ONLY................................... ..14
A. Definition of Casualty Insurance........................... (0-1)
Ref: 431:1-209
HRS §431:1-209 General casualty insurance defined
B. Hawaii Motor Vehicle Insurance Law.................... (6-8)
Ref: HRS 431:10C-101 through 608; HAR Title 16-Chapter 23:1-16; 57-60
HRS §431:10C-101 Short title
HRS §431:10C-102 Purpose
HRS §431:10C-103 Definitions
HRS §431:10C-103.5 Personal injury protection benefits; defined; limits
HRS §431:10C-103.6 Personal injury protection benefits tied to prepaid health care plan for description of coverage only
HRS §431:10C-104 Conditions of operation and registration of motor vehicles
HRS §431:10C-104.5 Repealed
HRS §431:10C-105 Self-insurance
HRS §431:10C-106 Specialty insurers not prohibited
HRS §431:10C-107 Verification of insurance: motor vehicles
HRS §431:10C-108 Unlawful use of motor vehicle insurance identification card
HRS §431:10C-109 Motor vehicle insurance identification card after cancellation of policy; return to insurer, civil sanctions
HRS §431:10C-110 Rejection of application, joint underwriting plan placement
HRS §431:10C-110.5 Replacing motor vehicle insurance policy through an insurer's affiliate or subsidiary
HRS §431:10C-111 Cancellation and nonrenewal of policies: when prohibited, when permitted
HRS §431:10C-111.5 Limit on nonrenewals and conditional renewals
HRS §431:10C-112 Notice of cancellation or nonrenewal; effect on term of coverage
HRS §431:10C-112.5 Notice of cancellation for insurer ceasing to issue motor vehicle insurance policies
HRS §431:10C-113 Violation of rejection, cancellation and nonrenewal provisions
HRS §431:10C-114 Insured's obligations upon termination of insurance
HRS §431:10C-115 Drivers education fund underwriters fee
HRS §431:10C-115.5 Repealed
HRS §431:10C-115.6 Disclosure of personal injury protection limits and payments
HRS §431:10C-115.7 Plain language billings
HRS §431:10C-116 Challenges to motor vehicle insurance law; intervention by attorney general
HRS §431:10C-117 Penalties
HRS §431:10C-117.5 Additional civil liability
HRS §431:10C-118 Fee in lieu of fine; defense
HRS §431:10C-119 Insurer's requirements
HRS §431:10C-120 Prohibitions, penalty
HRS §431:10C-121 Severability
HRS §431:10C-201 Motor vehicle insurance rates generally
HRS §431:10C-202 Making of motor vehicle insurance rates
HRS §431:10C-202.5 Immediate rate freeze; rate reduction; relief
HRS §431:10C-203 Rate filings
HRS §431:10C-204 Repealed
HRS §431:10C-205 Rate review: request by aggrieved party
HRS §431:10C-206 Repealed
HRS §431:10C-206.5 Group insurance plans
HRS §431:10C-207 Discriminatory practices prohibited
HRS §431:10C-208 Increase in premiums prohibited
HRS §431:10C-209 Rate administration
HRS §431:10C-209.5 Repealed
HRS §431:10C-210 Publication of premium information
HRS §431:10C-211 Attorney's fees
HRS §431:10C-212 Administrative hearing on insurer's denial of claim
HRS §431:10C-213 Arbitration
HRS §431:10C-213.5 Binding arbitration
HRS §431:10C-214 Administration
HRS §431:10C-215 Inspection and audit
HRS §431:10C-216 Annual review
HRS §431:10C-301 Required motor vehicle policy coverage
HRS §431:10C-301.5 Covered loss deductible
HRS §431:10C-302 Required optional additional insurance
HRS §431:10C-302.5 Managed care option
HRS §431:10C-303 Right to personal injury protection benefits
HRS §431:10C-303.5 U-drive insurance policy; primary
HRS §431:10C-304 Obligation to pay personal injury protection benefits
HRS §431:10C-305 Source of payment
HRS §431:10C-305.5 Right to reimbursement of deductible paid; when
HRS §431:10C-306 Abolition of tort liability
HRS §431:10C-307 Reimbursement of duplicate benefits
HRS §431:10C-307.7 Repealed
HRS §431:10C-307.8 Repealed
HRS §431:10C-308 Repealed
HRS §431:10C-308.5 Limitation on charges
HRS §431:10C-308.6 Repealed
HRS §431:10C-308.7 Client-patient referrals, health care provider practices prohibited
HRS §431:10C-309 Total loss motor vehicle claims
HRS §431:10C-310 Total loss motor vehicle claims: replacement
HRS §431:10C-311 Total loss motor vehicle claims: cash settlement
HRS §431:10C-312 Payment of excise tax and certificate of ownership fee
HRS §431:10C-313 Insurer practices regarding loss of use, storage and towing, and betterment
HRS §431:10C-313.5 Preferred repair provider
HRS §431:10C-313.6 Original equipment manufacturer's and like kind and quality parts
HRS §431:10C-314 Jurisdiction
HRS §431:10C-315 Statute of limitations
HRS §431:10C-401 Participation
HRS §431:10C-402 Bureau
HRS §431:10C-403 Bureau's duties
HRS §431:10C-404 Allocation of costs
HRS §431:10C-405 Board of governors
HRS §431:10C-406 Regulations, review, and appellate procedure
HRS §431:10C-407 Classifications
HRS §431:10C-408 Assigned claims
HRS §431:10C-409 Establishment and criteria
HRS §431:10C-410 Schedules
HRS §431:10C-411 Optional additional coverages
HRS §431:10C-412 Adjustment and refund
HRS §431:10C-601 Agreement
HRS §431:10C-602 Surety bond or deposit of security; proof of financial ability
HRS §431:10C-603 Proof of ability to process and pay claims promptly
HRS §431:10C-604 Issuance of certificate of self-insurance
HRS §431:10C-605 Duty to notify commissioner
HRS §431:10C-606 Duration of certification
HRS §431:10C-607 Revocation of certificate of self-insurance
HRS §431:10C-608 Termination of self-insurer status and withdrawal of security deposit
http://files.hawaii.gov/dcca/ins/har/har_23-c.pdf
1. Purpose
Ref: 431:10C-102
HRS §431:10C-102 Purpose
2. Compulsory insurance–required limits and coverages
Ref: 431:10C-103,105; 431:10C-301 thru 302
HRS §431:10C-103 Definitions
HRS §431:10C-105 Self-insurance
HRS §431:10C-301 Required motor vehicle policy coverage
HRS §431:10C-301.5 Covered loss deductible
HRS §431:10C-302 Required optional additional insurance
3. Right to sue
Ref: 431:10C-306
HRS §431:10C-306 Abolition of tort liability
4. Obligation to pay Personal Injury Protection (PIP) benefits
Ref: 431:10C-304
HRS §431:10C-304 Obligation to pay personal injury protection benefits
5. Personal Injury Protection (PIP)
Ref: 431:10C-103.5
HRS §431:10C-103.5 Personal injury protection benefits; defined; limits
6. Premium determination
Ref: 431:10C-202, 203, 205, 207, 208
HRS §431:10C-202 Making of motor vehicle insurance rates
HRS §431:10C-203 Rate filings
HRS §431:10C-205 Rate review: request by aggrieved party
HRS §431:10C-207 Discriminatory practices prohibited
HRS §431:10C-208 Increase in premiums prohibited
7. Hawaii Joint Underwriting Plan
Ref: 431:10C-401 thru 412; HAR 16-23-77
HRS §431:10C-401 Participation
HRS §431:10C-402 Bureau
HRS §431:10C-403 Bureau's duties
HRS §431:10C-404 Allocation of costs
HRS §431:10C-405 Board of governors
HRS §431:10C-406 Regulations, review, and appellate procedure
HRS §431:10C-407 Classifications
HRS §431:10C-408 Assigned claims
HRS §431:10C-409 Establishment and criteria
HRS §431:10C-410 Schedules
HRS §431:10C-411 Optional additional coverages
HRS §431:10C-412 Adjustment and refund
HAR 16-23-77
8. Renewal, nonrenewal and cancellation
Ref: 431:10C-109 thru 114
HRS §431:10C-109 Motor vehicle insurance identification card after cancellation of policy; return to insurer, civil sanctions
HRS §431:10C-110 Rejection of application, joint underwriting plan placement
HRS §431:10C-110.5 Replacing motor vehicle insurance policy through an insurer's affiliate or subsidiary
HRS §431:10C-111 Cancellation and nonrenewal of policies: when prohibited, when permitted
HRS §431:10C-111.5 Limit on nonrenewals and conditional renewals
HRS §431:10C-112 Notice of cancellation or nonrenewal; effect on term of coverage
HRS §431:10C-112.5 Notice of cancellation for insurer ceasing to issue motor vehicle insurance policies
HRS §431:10C-113 Violation of rejection, cancellation and nonrenewal provisions
HRS §431:10C-114 Insured's obligations upon termination of insurance
9. Options and deductibles
Ref: 431:10C-302;302.5; HAR 16-23-21 Title 16, Chapter 23:11(with Exhibit)
HRS §431:10C-302 Required optional additional insurance
HRS §431:10C-302.5 Managed care option
http://files.hawaii.gov/dcca/ins/har/har_23-c.pdf
C. Financial Responsibility ........................................ (0-1)
1. Definition of proof of financial responsibility
Ref: 287-1
HRS §287-1 Definitions
2. Proof required
Ref: 287-20, 21, 22, 37
HRS §287-20 Proof of financial responsibility required upon conviction of certain offenses
HRS §287-21 Alternate methods of giving proof
HRS §287-22 Certificate of insurance as proof
HRS §287-37 Owner may give proof for others
D. Uninsured and Underinsured Motorists ...............(1-2)
Ref: 431:10C-103; 431:10C-301 (b)(4)
HRS §431:10C-103 Definitions
HRS §431:10C-301 Required motor vehicle policy coverage
E. Motorcycle and motor scooter insurance ............(0-1)
Ref: 431 10G-101 thru 301
HRS §431:10G-101 Definitions
HRS §431:10G-102 Conditions of operation and registration of motorcycles and motor scooters
HRS §431:10G-103 Motorcycle or motor scooter self-insurance
HRS §431:10G-104 Prerequisites for obtaining coverage
HRS §431:10G-105 Tort liability
HRS §431:10G-106 Verification of insurance
HRS §431:10G-107 Drivers education fund underwriters fee; motorcycle and motor scooter operators education fund
HRS §431:10G-108 Penalties
HRS §431:10G-109 Rules
HRS §431:10G-201 Making of motorcycle and motor scooter insurance rates
HRS §431:10G-202 Rate filings
HRS §431:10G-203 Rate review: request by aggrieved party
HRS §431:10G-204 Rate review: rate methods in noncompliance with article
HRS §431:10G-206 Rate administration
HRS §431:10G-301 Required motorcycle and motor scooter policy
F. Worker’s Compensation.........................................(2-4)
Ref: 386-1, 3, 5, 6, 21, 31, 32, 82, 95, 121-124, 127
HRS §386-1 Definitions
HRS §386-3 Injuries covered
HRS §386-5 Exclusiveness of right to compensation; exception
HRS §386-6 Territorial applicability
HRS §386-21 Medical care, services, and supplies
HRS §386-31 Total disability
HRS §386-32 Partial disability
HRS §386-82 Claim for compensation; limitation of time
HRS §386-95 Reports of injuries, other reports, penalty
HRS §386-121 Security for payment of compensation; misdemeanor
HRS §386-122 Notice of insurance
HRS §386-123 Failure to give security for compensation; penalty; injunction
HRS §386-124 The insurance contract
HRS §386-127 Cancellation of insurance contracts
1. Definitions
Ref: 386-1
HRS §386-1 Definitions
2. Requirements
a. Exclusiveness of right to compensation
Ref: 386-5
HRS §386-5 Exclusiveness of right to compensation; exception
b. Territorial applicability
Ref: 386-6
HRS §386-6 Territorial applicability
c. Reports
Ref: 386-95
HRS §386-95 Reports of injuries, other reports, penalty
3. Coverages
a. Injuries covered
Ref: 386-3
HRS §386-3 Injuries covered
b. Insurance contract
Ref: 386-124
HRS §386-124 The insurance contract
c. Cancellation of insurance contracts
Ref: 386-127
HRS §386-127 Cancellation of insurance contracts
d. Failure to provide coverage
Ref: 386-123
HRS §386-123 Failure to give security for compensation; penalty; injunction
4. Benefits
a. Medical care services and supplies
Ref: 386-21
HRS §386-21 Medical care, services, and supplies
b. Total disability
Ref: 386-31
HRS §386-31 Total disability
c. Partial disability
Ref: 386-32
HRS §386-32 Partial disability
5. Hawaii Employers Mutual Insurance Company (HEMIC)
Ref: 431:14A-101 thru 119
HRS §431:14A-101 Purpose
HRS §431:14A-102 Definitions
HRS §431:14A-103 Hawaii employers' mutual insurance company, established
HRS §431:14A-104 Company divisions
HRS §431:14A-105 Board of directors, established
HRS §431:14A-106 Powers; generally
HRS §431:14A-107 Duties and responsibilities
HRS §431:14A-108 Administrator; appointment; duties
HRS §431:14A-109 Financial management
HRS §431:14A-109.5 Oversight council
HRS §431:14A-110 Premium rates, determination
HRS §431:14A-111 Reserves, investment
HRS §431:14A-112 Financial statements and other reports
HRS §431:14A-113 Annual accounting; dividends
HRS §431:14A-114 Audits
HRS §431:14A-115 Denial, cancellation, and termination
HRS §431:14A-116 Wilful misrepresentation and fraud
HRS §431:14A-117 Workplace safety and health programs
HRS §431:14A-118 Discontinuation of residual market plan
HRS §431:14A-119 Discontinuation of assigned risks
PERSONAL LINES-HAWAII SPECIFIC
CONTENT OUTLINE
(36 scoreable questions plus 7 pretest questions)
I. HAWAII LAWS AND RULES COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE..........................…20
A. Insurance Commissioner .......................................(1-2)
1. General powers and duties
Ref: 431:2-201 thru 216; 431:3-217
HRS §431:2-201 General powers and duties
HRS §431:2-201.2 Standards for commissioner
HRS §431:2-201.3 Criminal convictions; consent to engage in business
HRS §431:2-201.5 Conformity to federal law
HRS §431:2-201.8 Sales to members of the armed forces
HRS §431:2-202 Orders and notices
HRS §431:2-202.5 Approval; when deemed effective
HRS §431:2-203 Enforcement
HRS §431:2-204 Commissioner's power to subpoena
HRS §431:2-205 Commissioner to receive service of legal process on foreign or alien insurer
HRS §431:2-206 How service on commissioner made
HRS §431:2-207 Contempt proceedings
HRS §431:2-208 Access to records
HRS §431:2-209 Records and reports
HRS §431:2-210 Copies and certificates as evidence
HRS §431:2-211 Annual report
HRS §431:2-212 Interstate cooperation
HRS §431:2-214 The commissioner's education and training fund
HRS §431:2-215 Deposits to compliance resolution fund
HRS §431:2-216 Assessments of health insurers
HRS §431:3-217 Discretionary refusal, suspension or revocation provisions
2. Examination of records
Ref: 431:2-301 thru 306
HRS §431:2-301 Purpose
HRS §431:2-301.5 Examiner defined
HRS §431:2-301.6 Conflict of interest
HRS §431:2-301.7 Conduct of examinations
HRS §431:2-301.8 Immunity from liability
HRS §431:2-302 Authority, scope, and scheduling of examinations
HRS §431:2-303 Examination of producers, adjusters, promoters, and independent bill reviewers
HRS §431:2-304 Examination of guaranty associations
HRS §431:2-305 Examination reports
HRS §431:2-306 Examination expense
3. Notice of hearings
Ref: 431:2-308; 431:13-106
HRS §431:2-308 Administrative procedure act applies
HRS §431:13-106 Hearings
4. Penalties
Ref: 431:2-203; 9A-112, 126, 127, 129; 431:13-201 thru 204
HRS §431:2-203 Enforcement
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
HRS §431:13-201 Cease and desist and penalty orders; judicial review
HRS §431:13-202 Penalty for violation of cease and desist orders
HRS §431:13-203 Rules
HRS §431:13-204 Provisions of sections additional to existing laws
B. Definitions................................................................(2-3)
1. Authorized and unauthorized
Ref: 431:8-102 thru 204
HRS §431:8-102 Definitions
HRS §431:8-201 Transacting insurance business without certificate of authority prohibited
HRS §431:8-202 Acting for or aiding unauthorized insurer prohibited
HRS §431:8-203 Validity of contracts illegally effectuated
HRS §431:8-204 Liability of person assisting unauthorized insurer
2. Domestic, foreign, and alien
Ref: 431:3-101; 431:3-104 thru 105
HRS §431:3-101 Alien insurer
HRS §431:3-104 Domestic insurer
HRS §431:3-105 Foreign insurer
3. Stock, reciprocal and mutual
Ref: 431:3-106, 108, 110
HRS §431:3-106 Mutual insurer
HRS §431:3-108 Reciprocal insurer
HRS §431:3-110 Stock insurer
4. Certificate of authority
Ref: 431:3-201 thru 206
HRS §431:3-201 Authority required
HRS §431:3-202 Insurer's name
HRS §431:3-203 Qualifications for authority
HRS §431:3-203.5 Foreign insurer; certification
HRS §431:3-204 Classes of insurance authorized
HRS §431:3-205 Funds required of new insurers
HRS §431:3-206 Additional funds required, new insurers
5. Insurance
Ref: 431:1-201 thru 216
HRS §431:1-201 Insurance defined
HRS §431:1-202 Insurer defined
HRS §431:1-203 Classes of insurance
HRS §431:1-204 Life insurance defined
HRS §431:1-205 Accident and health or sickness insurance defined
HRS §431:1-206 Property insurance defined
HRS §431:1-207 Marine and transportation insurance defined
HRS §431:1-208 Vehicle insurance defined
HRS §431:1-209 General casualty insurance defined
HRS §431:1-210 Surety insurance defined
HRS §431:1-211 Ocean marine insurance defined
HRS §431:1-212 Person defined
HRS §431:1-213 State defined
HRS §431:1-214 United States defined
HRS §431:1-215 Transaction of an insurance business
HRS §431:1-216 General business practice
C. Licensing. ................................................................(5-6)
1. General qualifications for licensing
Ref: 431:9A 101 through 130
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-110 Legal, trade, and assumed names
HRS §431:9A-111 Temporary licensing
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-112.3 Suspension or denial of license for noncompliance with support order
HRS §431:9A-112.5 Controlled business
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-116 Reciprocity
HRS §431:9A-117 Reporting of actions
HRS §431:9A-118 Rules
HRS §431:9A-119 Scope of examination
HRS §431:9A-120 Time of examinations
HRS §431:9A-121 Advisory board
HRS §431:9A-122 Place of business
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-123.5 Reporting and accounting for premiums
HRS §431:9A-124 Prerequisites for license renewal
HRS §431:9A-125 Continuing education recordkeeping
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-128 Nondiscrimination
HRS §431:9A-129 Penalty
HRS §431:9A-130 Commissioner's authority to grant waiver
2. Persons required to be licensed
a. Producer
Ref. 431:9A-101 thru 109, 111, 113, 114, 115, 124; 431C-3
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-111 Temporary licensing
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-124 Prerequisites for license renewal
HRS §431C-3 Licensing requirements
b. Temporary license
Ref: 431:9A-111
HRS §431:9A-111 Temporary licensing
c. Nonresident
Ref: 431:9A-108
HRS §431:9A-108 Nonresident licensing
d. Exemptions
Ref: 431:9A-104
HRS §431:9A-104 Exceptions to licensing
3. Denial, suspension, revocation of licenses
Ref: 431:9A-112, 113, 126, 127, 129
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-113 Commissions
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
4. Renewal of license and continuing education
Ref: 431:9A-124
HRS §431:9A-124 Prerequisites for license renewal
D. Marketing practices ...............................................(8-10)
Ref: 431:13-101 thru 108
HRS §431:13-101 Purpose
HRS §431:13-102 Unfair methods of competition; unfair or deceptive acts or practices prohibited
HRS §431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined
HRS §431:13-104 Favored producer or insurer; coercion of debtors
HRS §431:13-105 Power of commissioner
HRS §431:13-106 Hearings
HRS §431:13-107 Commissioner's right of action
HRS §431:13-108 Reimbursement for accident and health or sickness insurance benefits
1. Reporting and accounting for premiums
Ref: 431:13-101 thru 108
HRS §431:13-101 Purpose
HRS §431:13-102 Unfair methods of competition; unfair or deceptive acts or practices prohibited
HRS §431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined
HRS §431:13-104 Favored producer or insurer; coercion of debtors
HRS §431:13-105 Power of commissioner
HRS §431:13-106 Hearings
HRS §431:13-107 Commissioner's right of action
HRS §431:13-108 Reimbursement for accident and health or sickness insurance benefits
2. Sharing commissions
Ref: 431:9A-113
HRS §431:9A-113 Commissions
3. Required records and record retention
Ref: 431:9A-123, 125
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-125 Continuing education recordkeeping
4. Controlled business
Ref: 431:9A-112.5
HRS §431:9A-112.5 Controlled business
5. Premiums
Ref: 431:10-218
HRS §431:10-218 Stated premium must include all charges
E. Guaranty Associations .......................................... (0-1)
Ref: 431:16-101 thru 117
HRS §431:16-101 Title
HRS §431:16-102 Purpose
HRS §431:16-103 Scope
HRS §431:16-104 Construction
HRS §431:16-105 Definitions
HRS §431:16-106 Creation of association
HRS §431:16-107 Board of directors
HRS §431:16-108 Powers and duties of the association
HRS §431:16-109 Plan of operation
HRS §431:16-110 Duties and powers of the commissioner
HRS §431:16-111 Effect of paid claims
HRS §431:16-112 Exhaustion of other coverage
HRS §431:16-113 Prevention of insolvencies
HRS §431:16-114 Tax exemption
HRS §431:16-115 Recoupment of assessment
HRS §431:16-116 Immunity
HRS §431:16-117 Stay of proceedings
II. HAWAII LAWS AND RULES COMMON TO PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE ONLY........................................................ 2
A. ADJUSTER .............................................................. (0-1)
1. Definition
Ref: 431:9-105, 229
HRS §431:9-105 Definitions
HRS §431:9-229 Records of adjuster or independent bill reviewer
2. Qualification for license
Ref: 431:9-203, 222
HRS §431:9-203 General qualifications for license
HRS §431:9-222 Qualification for adjuster's license
B. Unauthorized Insurers (Surplus Lines) ................ (1-2)
Ref: 431:8-101 thru 302, 305 thru 320
HRS §431:8-101 Scope
HRS §431:8-102 Definitions
HRS §431:8-201 Transacting insurance business without certificate of authority prohibited
HRS §431:8-202 Acting for or aiding unauthorized insurer prohibited
HRS §431:8-203 Validity of contracts illegally effectuated
HRS §431:8-204 Liability of person assisting unauthorized insurer
HRS §431:8-205 Insurance independently procured; duty to report and pay tax
HRS §431:8-206 Commissioner may enjoin unauthorized insurers
HRS §431:8-207 Legal process against unauthorized insurer; how service of process made
HRS §431:8-208 Defense of action by unauthorized insurer; bond
HRS §431:8-209 Attorney's fees
HRS §431:8-210 Advertising prohibited
HRS §431:8-211 Penalties
HRS §431:8-300 Exemptions from surplus lines law
HRS §431:8-301 Insurance placed with unauthorized insurer permitted
HRS §431:8-302 Surplus lines insurers
HRS §431:8-305 Evidence of insurance; changes; penalties
HRS §431:8-306 Signature of broker and special endorsement of surplus lines policy
HRS §431:8-307 Broker's duty to notify insured
HRS §431:8-308 Surplus lines insurance valid
HRS §431:8-309 Effect of payment to surplus lines broker
HRS §431:8-310 Surplus lines broker license required; application and qualifications for license
HRS §431:8-311 Compensation
HRS §431:8-312 Records of surplus lines broker
HRS §431:8-313 Surplus lines broker's reports to commissioner
HRS §431:8-314 Surplus lines advisory organizations
HRS §431:8-315 Tax on surplus lines
HRS §431:8-316 Penalty for failure to file statement or remit tax
HRS §431:8-317 License denial, nonrenewal, suspension, or revocation
HRS §431:8-318 Examination of surplus lines broker's accounts and records
HRS §431:8-319 Actions against surplus lines insurer; service of process
HRS §431:8-320 Penalties
C. Casualty, Surety, Property, Marine, and Transportation Rate Regulation……..................... (0-1)
Ref: 431:14-101 thru 118, 120
HRS §431:14-101 Purpose
HRS §431:14-101.5 Definitions
HRS §431:14-102 Scope
HRS §431:14-103 Making of rates
HRS §431:14-103.3 Rate adjustment mandates
HRS §431:14-103.5 Contracting classification premium program
HRS §431:14-104 Rate filings
HRS §431:14-104.5 Loss cost filings
HRS §431:14-105 Policy revisions that alter coverage
HRS §431:14-105.5 Standing to intervene in rate filing and ratemaking proceedings
HRS §431:14-106 Disapproval of filings
HRS §431:14-107 Rating organizations
HRS §431:14-107.1 Rating and advisory organizations, permitted activity
HRS §431:14-107.2 Insurers and organizations, prohibited activity
HRS §431:14-107.3 Rating or advisory organizations, prohibited activity
HRS §431:14-108 Deviations
HRS §431:14-109 Appeal by minority
HRS §431:14-110 Information to be furnished insureds; hearings and appeals of insureds
HRS §431:14-110.5 Disclosure of workers' compensation premium information
HRS §431:14-110.8 Publication of homeowners insurance premium information
HRS §431:14-111 Advisory organizations
HRS §431:14-112 Joint underwriting or joint reinsurance
HRS §431:14-113 Examination
HRS §431:14-114 Rate administration
HRS §431:14-115 False or misleading information
HRS §431:14-116 Assigned risks
HRS §431:14-116.5 Assigned risk pool; experience rating plan
HRS §431:14-116.6 Assigned risk pool; residual market plan
HRS §431:14-117 Penalties
HRS §431:14-118 Hearing procedure and judicial review
HRS §431:14-120 Additional powers for workers' compensation rate filing and ratemaking
III. HAWAII LAWS AND RULES PERTINENT TO PROPERTY INSURANCE ONLY................................... 4
A. Definitions
1. Property insurance
Ref: 431:1-206; 431:10E-101 thru 103
HRS §431:1-206 Property insurance defined
HRS §431:10E-101 Insurable interest in property required
HRS §431:10E-102 Over-insurance prohibited; exceptions
HRS §431:10E-103 Exceptions
2. Marine and transportation insurance
Ref: 431:1-207
HRS §431:1-207 Marine and transportation insurance defined
B. Standard Form Fire Policy
Ref: 431:10-210
HRS §431:10-210 Standard form fire insurance policy
C. Multi-Peril Policies
Ref: 431:10-219
HRS §431:10-219 Multi-peril policies, premiums stated separately
D. Overinsurance
Ref: 431:10E-102 thru 103
HRS §431:10E-102 Over-insurance prohibited; exceptions
HRS §431:10E-103 Exceptions
E. Hawaii Property Insurance Association (HPIA)
Ref: 431:21-101 thru 118
HRS §431:21-101 Purpose
HRS §431:21-102 Definitions
HRS §431:21-103 Creation of association
HRS §431:21-104 Board of directors
HRS §431:21-105 Powers and duties of the association
HRS §431:21-105.5 Default in payment of assessments
HRS §431:21-106 Plan of operation
HRS §431:21-107 Designation of area
HRS §431:21-108 Renewals of existing policies
HRS §431:21-109 Insurance coverages available under plan
HRS §431:21-110 Application; inspection
HRS §431:21-111 Duties and powers of the commissioner
HRS §431:21-112 Reports
HRS §431:21-113 Appeals
HRS §431:21-114 Tax exemptions
HRS §431:21-115 Credits for assessments paid
HRS §431:21-116 Examination
HRS §431:21-117 Immunity and limitation on liability
HRS §431:21-118 Status of association policies
IV. HAWAII LAWS AND RULES PERTINENT TO CASUALTY INSURANCE ONLY................................... 10
A. Definition of Casualty Insurance........................... (0-1)
Ref: 431:1-209
HRS §431:1-209 General casualty insurance defined
B. Hawaii Motor Vehicle Insurance Law.................... (6-8)
Ref: HRS 431:10C-101 through 608; HAR Title 16-Chapter 23:1-16; 57-60
HRS §431:10C-101 Short title
HRS §431:10C-102 Purpose
HRS §431:10C-103 Definitions
HRS §431:10C-103.5 Personal injury protection benefits; defined; limits
HRS §431:10C-103.6 Personal injury protection benefits tied to prepaid health care plan for description of coverage only
HRS §431:10C-104 Conditions of operation and registration of motor vehicles
HRS §431:10C-104.5 Repealed
HRS §431:10C-105 Self-insurance
HRS §431:10C-106 Specialty insurers not prohibited
HRS §431:10C-107 Verification of insurance: motor vehicles
HRS §431:10C-108 Unlawful use of motor vehicle insurance identification card
HRS §431:10C-109 Motor vehicle insurance identification card after cancellation of policy; return to insurer, civil sanctions
HRS §431:10C-110 Rejection of application, joint underwriting plan placement
HRS §431:10C-110.5 Replacing motor vehicle insurance policy through an insurer's affiliate or subsidiary
HRS §431:10C-111 Cancellation and nonrenewal of policies: when prohibited, when permitted
HRS §431:10C-111.5 Limit on nonrenewals and conditional renewals
HRS §431:10C-112 Notice of cancellation or nonrenewal; effect on term of coverage
HRS §431:10C-112.5 Notice of cancellation for insurer ceasing to issue motor vehicle insurance policies
HRS §431:10C-113 Violation of rejection, cancellation and nonrenewal provisions
HRS §431:10C-114 Insured's obligations upon termination of insurance
HRS §431:10C-115 Drivers education fund underwriters fee
HRS §431:10C-115.5 Repealed
HRS §431:10C-115.6 Disclosure of personal injury protection limits and payments
HRS §431:10C-115.7 Plain language billings
HRS §431:10C-116 Challenges to motor vehicle insurance law; intervention by attorney general
HRS §431:10C-117 Penalties
HRS §431:10C-117.5 Additional civil liability
HRS §431:10C-118 Fee in lieu of fine; defense
HRS §431:10C-119 Insurer's requirements
HRS §431:10C-120 Prohibitions, penalty
HRS §431:10C-121 Severability
HRS §431:10C-201 Motor vehicle insurance rates generally
HRS §431:10C-202 Making of motor vehicle insurance rates
HRS §431:10C-202.5 Immediate rate freeze; rate reduction; relief
HRS §431:10C-203 Rate filings
HRS §431:10C-204 Repealed
HRS §431:10C-205 Rate review: request by aggrieved party
HRS §431:10C-206 Repealed
HRS §431:10C-206.5 Group insurance plans
HRS §431:10C-207 Discriminatory practices prohibited
HRS §431:10C-208 Increase in premiums prohibited
HRS §431:10C-209 Rate administration
HRS §431:10C-209.5 Repealed
HRS §431:10C-210 Publication of premium information
HRS §431:10C-211 Attorney's fees
HRS §431:10C-212 Administrative hearing on insurer's denial of claim
HRS §431:10C-213 Arbitration
HRS §431:10C-213.5 Binding arbitration
HRS §431:10C-214 Administration
HRS §431:10C-215 Inspection and audit
HRS §431:10C-216 Annual review
HRS §431:10C-301 Required motor vehicle policy coverage
HRS §431:10C-301.5 Covered loss deductible
HRS §431:10C-302 Required optional additional insurance
HRS §431:10C-302.5 Managed care option
HRS §431:10C-303 Right to personal injury protection benefits
HRS §431:10C-303.5 U-drive insurance policy; primary
HRS §431:10C-304 Obligation to pay personal injury protection benefits
HRS §431:10C-305 Source of payment
HRS §431:10C-305.5 Right to reimbursement of deductible paid; when
HRS §431:10C-306 Abolition of tort liability
HRS §431:10C-307 Reimbursement of duplicate benefits
HRS §431:10C-307.7 Repealed
HRS §431:10C-307.8 Repealed
HRS §431:10C-308 Repealed
HRS §431:10C-308.5 Limitation on charges
HRS §431:10C-308.6 Repealed
HRS §431:10C-308.7 Client-patient referrals, health care provider practices prohibited
HRS §431:10C-309 Total loss motor vehicle claims
HRS §431:10C-310 Total loss motor vehicle claims: replacement
HRS §431:10C-311 Total loss motor vehicle claims: cash settlement
HRS §431:10C-312 Payment of excise tax and certificate of ownership fee
HRS §431:10C-313 Insurer practices regarding loss of use, storage and towing, and betterment
HRS §431:10C-313.5 Preferred repair provider
HRS §431:10C-313.6 Original equipment manufacturer's and like kind and quality parts
HRS §431:10C-314 Jurisdiction
HRS §431:10C-315 Statute of limitations
HRS §431:10C-401 Participation
HRS §431:10C-402 Bureau
HRS §431:10C-403 Bureau's duties
HRS §431:10C-404 Allocation of costs
HRS §431:10C-405 Board of governors
HRS §431:10C-406 Regulations, review, and appellate procedure
HRS §431:10C-407 Classifications
HRS §431:10C-408 Assigned claims
HRS §431:10C-409 Establishment and criteria
HRS §431:10C-410 Schedules
HRS §431:10C-411 Optional additional coverages
HRS §431:10C-412 Adjustment and refund
HRS §431:10C-601 Agreement
HRS §431:10C-602 Surety bond or deposit of security; proof of financial ability
HRS §431:10C-603 Proof of ability to process and pay claims promptly
HRS §431:10C-604 Issuance of certificate of self-insurance
HRS §431:10C-605 Duty to notify commissioner
HRS §431:10C-606 Duration of certification
HRS §431:10C-607 Revocation of certificate of self-insurance
HRS §431:10C-608 Termination of self-insurer status and withdrawal of security deposit
http://files.hawaii.gov/dcca/ins/har/har_23-c.pdf
1. Purpose
Ref: 431:10C-102
HRS §431:10C-102 Purpose
2. Compulsory insurance–required limits and coverages
Ref: 431:10C-103.5 thru 103.6,105;431:10C-301 thru 302
HRS §431:10C-103.5 Personal injury protection benefits; defined; limits
HRS §431:10C-103.6 Personal injury protection benefits tied to prepaid health care plan for description of coverage only
HRS §431:10C-105 Self-insurance
HRS §431:10C-301 Required motor vehicle policy coverage
HRS §431:10C-301.5 Covered loss deductible
HRS §431:10C-302 Required optional additional insurance
3. Right to sue
Ref: 431:10C-306
HRS §431:10C-306 Abolition of tort liability
4. Obligation to pay Personal Injury Protection (PIP) benefits
Ref: 431:10C-304
HRS §431:10C-304 Obligation to pay personal injury protection benefits
5. Personal Injury Protection (PIP)
Ref: 431:10C-103.5
HRS §431:10C-103.5 Personal injury protection benefits; defined; limits
6. Premium determination
Ref: 431:10C-202, 203, 205, 207, 208
HRS §431:10C-202 Making of motor vehicle insurance rates
HRS §431:10C-203 Rate filings
HRS §431:10C-205 Rate review: request by aggrieved party
HRS §431:10C-207 Discriminatory practices prohibited
HRS §431:10C-208 Increase in premiums prohibited
7. Hawaii Joint Underwriting Plan
Ref: 431:10C-401 thru 412; HAR 16-23-77
HRS §431:10C-401 Participation
HRS §431:10C-402 Bureau
HRS §431:10C-403 Bureau's duties
HRS §431:10C-404 Allocation of costs
HRS §431:10C-405 Board of governors
HRS §431:10C-406 Regulations, review, and appellate procedure
HRS §431:10C-407 Classifications
HRS §431:10C-408 Assigned claims
HRS §431:10C-409 Establishment and criteria
HRS §431:10C-410 Schedules
HRS §431:10C-411 Optional additional coverages
HRS §431:10C-412 Adjustment and refund
HAR 16-23-77
8. Renewal, nonrenewal and cancellation
Ref: 431:10C-109 thru 114
HRS §431:10C-109 Motor vehicle insurance identification card after cancellation of policy; return to insurer, civil sanctions
HRS §431:10C-110 Rejection of application, joint underwriting plan placement
HRS §431:10C-110.5 Replacing motor vehicle insurance policy through an insurer's affiliate or subsidiary
HRS §431:10C-111 Cancellation and nonrenewal of policies: when prohibited, when permitted
HRS §431:10C-111.5 Limit on nonrenewals and conditional renewals
HRS §431:10C-112 Notice of cancellation or nonrenewal; effect on term of coverage
HRS §431:10C-112.5 Notice of cancellation for insurer ceasing to issue motor vehicle insurance policies
HRS §431:10C-113 Violation of rejection, cancellation and nonrenewal provisions
HRS §431:10C-114 Insured's obligations upon termination of insurance
9. Options and deductibles
Ref: 431:10C-302;302.5; HAR 16-23-11 Title 16, Chapter 23:11(with Exhibit)
HRS §431:10C-302 Required optional additional insurance
HRS §431:10C-302.5 Managed care option
http://files.hawaii.gov/dcca/ins/har/har_23-c.pdf
C. Financial Responsibility.........................................(0-1)
1. Definition of proof of financial responsibility
Ref: 287-1
HRS §287-1 Definitions
2. Proof required
Ref: 287-20, 21, 22, 37
HRS §287-20 Proof of financial responsibility required upon conviction of certain offenses
HRS §287-21 Alternate methods of giving proof
HRS §287-22 Certificate of insurance as proof
HRS §287-37 Owner may give proof for others
D. Uninsured and Underinsured Motorists ...............(1-2)
Ref: 431:10C-103;431:10C-301 (b)(4)
HRS §431:10C-103 Definitions
HRS §431:10C-301 Required motor vehicle policy coverage
E. Motorcycle and motor scooter insurance ............(0-1)
Ref: 431 10G-101 thru 301
HRS §431:10G-101 Definitions
HRS §431:10G-102 Conditions of operation and registration of motorcycles and motor scooters
HRS §431:10G-103 Motorcycle or motor scooter self-insurance
HRS §431:10G-104 Prerequisites for obtaining coverage
HRS §431:10G-105 Tort liability
HRS §431:10G-106 Verification of insurance
HRS §431:10G-107 Drivers education fund underwriters fee; motorcycle and motor scooter operators education fund
HRS §431:10G-108 Penalties
HRS §431:10G-109 Rules
HRS §431:10G-201 Making of motorcycle and motor scooter insurance rates
HRS §431:10G-202 Rate filings
HRS §431:10G-203 Rate review: request by aggrieved party
HRS §431:10G-204 Rate review: rate methods in noncompliance with article
HRS §431:10G-206 Rate administration
HRS §431:10G-301 Required motorcycle and motor scooter policy
HAWAII SURETY
EXAMINATION CONTENT OUTLINE
(35 scoreable questions)
VI. HAWAII REVISED STATUTES, TITLE 24, CHAPTER 431, ARTICLES 2, 9A, 9N, 10F AND 13; SECTION 431: 10-218
HRS §431:2-101 Insurance division
HRS §431:2-102 Insurance commissioner
HRS §431:2-103 Salary
HRS §431:2-104 Seal
HRS §431:2-105 Deputies, employees
HRS §431:2-105.5 Staff
HRS §431:2-106 Ethical requirements for insurance division staff
HRS §431:2-107 Workers' compensation rate analysis
HRS §431:2-108 Commissioner may delegate
HRS §431:2-109 Supplies, convention blanks
HRS §431:2-110 Offices
HRS §431:2-201 General powers and duties
HRS §431:2-201.2 Standards for commissioner
HRS §431:2-201.3 Criminal convictions; consent to engage in business
HRS §431:2-201.5 Conformity to federal law
HRS §431:2-201.8 Sales to members of the armed forces
HRS §431:2-202 Orders and notices
HRS §431:2-202.5 Approval; when deemed effective
HRS §431:2-203 Enforcement
HRS §431:2-204 Commissioner's power to subpoena
HRS §431:2-205 Commissioner to receive service of legal process on foreign or alien insurer
HRS §431:2-206 How service on commissioner made
HRS §431:2-207 Contempt proceedings
HRS §431:2-208 Access to records
HRS §431:2-209 Records and reports
HRS §431:2-210 Copies and certificates as evidence
HRS §431:2-211 Annual report
HRS §431:2-212 Interstate cooperation
HRS §431:2-214 The commissioner's education and training fund
HRS §431:2-215 Deposits to compliance resolution fund
HRS §431:2-216 Assessments of health insurers
HRS §431:2-301 Purpose
HRS §431:2-301.5 Examiner defined
HRS §431:2-301.6 Conflict of interest
HRS §431:2-301.7 Conduct of examinations
HRS §431:2-301.8 Immunity from liability
HRS §431:2-302 Authority, scope, and scheduling of examinations
HRS §431:2-303 Examination of producers, adjusters, promoters, and independent bill reviewers
HRS §431:2-304 Examination of guaranty associations
HRS §431:2-305 Examination reports
HRS §431:2-306 Examination expense
HRS §431:2-307 Repealed
HRS §431:2-307.5 Reimbursement and compensation of examiners; source of funds; disposition of receipts
HRS §431:2-308 Administrative procedure act applies
HRS §431:2-401 Definitions
HRS §431:2-402 Insurance fraud investigations branch
HRS §431:2-403 Insurance fraud
HRS §431:2-404 Restitution
HRS §431:2-405 Insurance fraud; administrative penalties
HRS §431:2-406 Administrative procedures
HRS §431:2-407 Acceptance of payment
HRS §431:2-408 Civil cause of action for insurance fraud; exemption
HRS §431:2-409 Mandatory reporting
HRS §431:2-410 Deposit into the compliance resolution fund
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-110 Legal, trade, and assumed names
HRS §431:9A-111 Temporary licensing
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-112.3 Suspension or denial of license for noncompliance with support order
HRS §431:9A-112.5 Controlled business
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-116 Reciprocity
HRS §431:9A-117 Reporting of actions
HRS §431:9A-118 Rules
HRS §431:9A-119 Scope of examination
HRS §431:9A-120 Time of examinations
HRS §431:9A-121 Advisory board
HRS §431:9A-122 Place of business
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-123.5 Reporting and accounting for premiums
HRS §431:9A-124 Prerequisites for license renewal
HRS §431:9A-125 Continuing education recordkeeping
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-128 Nondiscrimination
HRS §431:9A-129 Penalty
HRS §431:9A-130 Commissioner's authority to grant waiver
HRS §431:9A-141 Definitions
HRS §431:9A-142 Requirements for license and renewal
HRS §431:9A-151 Continuing education course provider certificate
HRS §431:9A-152 Continuing education course provider additional duties
HRS §431:9A-153 Courses
HRS §431:9A-154 Self-study courses
HRS §431:9A-155 Carryover credits
HRS §431:9A-156 Course instructors
HRS §431:9A-157 Tuition
HRS §431:9A-158 Reporting credit hours and recordkeeping
HRS §431:9A-159 Advertising
HRS §431:9A-160 Advisory committee
HRS §431:9N-101 Definitions
HRS §431:9N-102 License denial, nonrenewal, suspension, or revocation
HRS §431:9N-103 Fiduciary responsibilities
HRS §431:9N-104 Bail agent not to act as attorney
HRS §431:10-218 Stated premium must include all charges
HRS §431:10F-101 Requirements deemed met by surety insurer
HRS §431:10F-102 Fiduciary bonds, expense
HRS §431:10F-103 Court bonds, costs
HRS §431:10F-104 Release from liability
HRS §431:10F-105 Directed suretyship; coercion of contractors
HRS §431:13-101 Purpose
HRS §431:13-102 Unfair methods of competition; unfair or deceptive acts or practices prohibited
HRS §431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined
HRS §431:13-104 Favored producer or insurer; coercion of debtors
HRS §431:13-105 Power of commissioner
HRS §431:13-106 Hearings
HRS §431:13-107 Commissioner's right of action
HRS §431:13-108 Reimbursement for accident and health or sickness insurance benefits
HRS §431:13-201 Cease and desist and penalty orders; judicial review
HRS §431:13-202 Penalty for violation of cease and desist orders
HRS §431:13-203 Rules
HRS §431:13-204 Provisions of sections additional to existing laws
HAWAII ADJUSTER
EXAMINATION CONTENT OUTLINE
Product Knowledge, Terms and Concepts
(140 scoreable questions)
Note: To the extent that the specific contracts, forms, and endorsements dealt with in this outline are available in standardized versions, outline references are to items
IV. HAWAII LAWS AND RULES COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE
A. Insurance Commissioner
1. General powers and duties
Ref: 431:2-201 thru 216; 431:3-217
HRS §431:2-201 General powers and duties
HRS §431:2-201.2 Standards for commissioner
HRS §431:2-201.3 Criminal convictions; consent to engage in business
HRS §431:2-201.5 Conformity to federal law
HRS §431:2-201.8 Sales to members of the armed forces
HRS §431:2-202 Orders and notices
HRS §431:2-202.5 Approval; when deemed effective
HRS §431:2-203 Enforcement
HRS §431:2-204 Commissioner's power to subpoena
HRS §431:2-205 Commissioner to receive service of legal process on foreign or alien insurer
HRS §431:2-206 How service on commissioner made
HRS §431:2-207 Contempt proceedings
HRS §431:2-208 Access to records
HRS §431:2-209 Records and reports
HRS §431:2-210 Copies and certificates as evidence
HRS §431:2-211 Annual report
HRS §431:2-212 Interstate cooperation
HRS §431:2-214 The commissioner's education and training fund
HRS §431:2-215 Deposits to compliance resolution fund
HRS §431:2-216 Assessments of health insurers
HRS §431:3-217 Discretionary refusal, suspension or revocation provisions
2. Examination of records
Ref: 431:2-301 thru 306
HRS §431:2-301 Purpose
HRS §431:2-301.5 Examiner defined
HRS §431:2-301.6 Conflict of interest
HRS §431:2-301.7 Conduct of examinations
HRS §431:2-301.8 Immunity from liability
HRS §431:2-302 Authority, scope, and scheduling of examinations
HRS §431:2-303 Examination of producers, adjusters, promoters, and independent bill reviewers
HRS §431:2-304 Examination of guaranty associations
HRS §431:2-305 Examination reports
HRS §431:2-306 Examination expense
3. Notice of hearings
Ref: 431:2-308; 431:13-106
HRS §431:2-308 Administrative procedure act applies
HRS §431:13-106 Hearings
4. Penalties
Ref: 431:2-203; 9A-112; 9A-126; 9A-127; 9A-129; 431:13-201 thru 204
HRS §431:2-203 Enforcement
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
HRS §431:13-201 Cease and desist and penalty orders; judicial review
HRS §431:13-202 Penalty for violation of cease and desist orders
HRS §431:13-203 Rules
HRS §431:13-204 Provisions of sections additional to existing laws
B. Definitions................................................................(2-3)
1. Authorized and unauthorized
Ref: 431:8-102 thru 204
HRS §431:8-102 Definitions
HRS §431:8-201 Transacting insurance business without certificate of authority prohibited
HRS §431:8-202 Acting for or aiding unauthorized insurer prohibited
HRS §431:8-203 Validity of contracts illegally effectuated
HRS §431:8-204 Liability of person assisting unauthorized insurer
2. Domestic, foreign, and alien
Ref: 431:3-101; 431:3-104 thru 105
HRS §431:3-101 Alien insurer
HRS §431:3-104 Domestic insurer
HRS §431:3-105 Foreign insurer
3. Stock, reciprocal and mutual
Ref: 431:3-106, 108, 110
HRS §431:3-106 Mutual insurer
HRS §431:3-108 Reciprocal insurer
HRS §431:3-110 Stock insurer
4. Certificate of authority
Ref: 431:3-201 thru 206
HRS §431:3-201 Authority required
HRS §431:3-202 Insurer's name
HRS §431:3-203 Qualifications for authority
HRS §431:3-203.5 Foreign insurer; certification
HRS §431:3-204 Classes of insurance authorized
HRS §431:3-205 Funds required of new insurers
HRS §431:3-206 Additional funds required, new insurers
5. Insurance
Ref: 431:1-201 thru 216
HRS §431:1-201 Insurance defined
HRS §431:1-202 Insurer defined
HRS §431:1-203 Classes of insurance
HRS §431:1-204 Life insurance defined
HRS §431:1-205 Accident and health or sickness insurance defined
HRS §431:1-206 Property insurance defined
HRS §431:1-207 Marine and transportation insurance defined
HRS §431:1-208 Vehicle insurance defined
HRS §431:1-209 General casualty insurance defined
HRS §431:1-210 Surety insurance defined
HRS §431:1-211 Ocean marine insurance defined
HRS §431:1-212 Person defined
HRS §431:1-213 State defined
HRS §431:1-214 United States defined
HRS §431:1-215 Transaction of an insurance business
HRS §431:1-216 General business practice
C. Licensing. ................................................................(5-6)
1. General qualifications for licensing
Ref: 431:9A-101 thru 130
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-110 Legal, trade, and assumed names
HRS §431:9A-111 Temporary licensing
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-112.3 Suspension or denial of license for noncompliance with support order
HRS §431:9A-112.5 Controlled business
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-116 Reciprocity
HRS §431:9A-117 Reporting of actions
HRS §431:9A-118 Rules
HRS §431:9A-119 Scope of examination
HRS §431:9A-120 Time of examinations
HRS §431:9A-121 Advisory board
HRS §431:9A-122 Place of business
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-123.5 Reporting and accounting for premiums
HRS §431:9A-124 Prerequisites for license renewal
HRS §431:9A-125 Continuing education recordkeeping
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-128 Nondiscrimination
HRS §431:9A-129 Penalty
HRS §431:9A-130 Commissioner's authority to grant waiver
2. Persons required to be licensed
a. Producer
Ref. 431:9A-101 thru 109, 111, 113, 114, 115, 124
HRS §431:9A-101 Scope
HRS §431:9A-102 Definitions
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
HRS §431:9A-105 Insurance producer license examination
HRS §431:9A-106 Application for license
HRS §431:9A-107 License
HRS §431:9A-107.5 Limited license
HRS §431:9A-108 Nonresident licensing
HRS §431:9A-108.5 Process against nonresident licensees
HRS §431:9A-109 Exemption from examination
HRS §431:9A-111 Temporary licensing
HRS §431:9A-113 Commissions
HRS §431:9A-114 Appointments
HRS §431:9A-115 Notification to commissioner of termination
HRS §431:9A-124 Prerequisites for license renewal
b. Temporary license
Ref: 431:9A-111
HRS §431:9A-111 Temporary licensing
c. Nonresident
Ref: 431:9A-108
HRS §431:9A-108 Nonresident licensing
d. Exemptions
Ref: 431:9A-104
HRS §431:9A-104 Exceptions to licensing
3. Denial, suspension, revocation of licenses
Ref: 431:9A-112, 113, 126, 127, 129
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-113 Commissions
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
D. Marketing practices
1. Unfair and deceptive practices
Ref: 431:13-101 thru 108
HRS §431:13-101 Purpose
HRS §431:13-102 Unfair methods of competition; unfair or deceptive acts or practices prohibited
HRS §431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined
HRS §431:13-104 Favored producer or insurer; coercion of debtors
HRS §431:13-105 Power of commissioner
HRS §431:13-106 Hearings
HRS §431:13-107 Commissioner's right of action
HRS §431:13-108 Reimbursement for accident and health or sickness insurance benefits
2. Reporting and accounting for premiums
Ref: 431:9A-123.5
HRS §431:9A-123.5 Reporting and accounting for premiums
3. Sharing commissions
Ref: 431:9A-113
HRS §431:9A-113 Commissions
4. Required records and record retention
Ref: 9A-123, 125
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-125 Continuing education recordkeeping
5. Controlled business
Ref: 431:9A-112.5
HRS §431:9A-112.5 Controlled business
6. Premiums
Ref: 431:10-218
HRS §431:10-218 Stated premium must include all charges
E. Guaranty Associations
Ref: 431:16-101 thru 117
HRS §431:16-101 Title
HRS §431:16-102 Purpose
HRS §431:16-103 Scope
HRS §431:16-104 Construction
HRS §431:16-105 Definitions
HRS §431:16-106 Creation of association
HRS §431:16-107 Board of directors
HRS §431:16-108 Powers and duties of the association
HRS §431:16-109 Plan of operation
HRS §431:16-110 Duties and powers of the commissioner
HRS §431:16-111 Effect of paid claims
HRS §431:16-112 Exhaustion of other coverage
HRS §431:16-113 Prevention of insolvencies
HRS §431:16-114 Tax exemption
HRS §431:16-115 Recoupment of assessment
HRS §431:16-116 Immunity
HRS §431:16-117 Stay of proceedings
V. HAWAII LAWS AND RULES COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY
A.
Adjuster
1. Definition
Ref: 431:9-105, 229
HRS §431:9-105 Definitions
HRS §431:9-229 Records of adjuster or independent bill reviewer
2. Qualification for license
Ref: 431:9-201 thru 224
HRS §431:9-201 License required; exception
HRS §431:9-202 Repealed
HRS §431:9-203 General qualifications for license
HRS §431:9-204 Applications for license
HRS §431:9-205 Repealed
HRS §431:9-206 Examinations for license
HRS §431:9-207 Scope of examination
HRS §431:9-208 Time of examinations
HRS §431:9-209 Advisory board
HRS §431:9-210 to 213 Repealed
HRS §431:9-214 Repealed
HRS §431:9-215 to 219 Repealed
HRS §431:9-220 Repealed
HRS §431:9-221 Repealed
HRS §431:9-222 Qualification for adjuster's license
HRS §431:9-222.5 Claims adjusters; limited license
HRS §431:9-223 Public adjuster's bond
HRS §431:9-224 Separate licenses
B. Unauthorized Insurers (Surplus Lines)
Ref: 431:8-101 thru 302, 305 thru 320
HRS §431:8-101 Scope
HRS §431:8-102 Definitions
HRS §431:8-201 Transacting insurance business without certificate of authority prohibited
HRS §431:8-202 Acting for or aiding unauthorized insurer prohibited
HRS §431:8-203 Validity of contracts illegally effectuated
HRS §431:8-204 Liability of person assisting unauthorized insurer
HRS §431:8-205 Insurance independently procured; duty to report and pay tax
HRS §431:8-206 Commissioner may enjoin unauthorized insurers
HRS §431:8-207 Legal process against unauthorized insurer; how service of process made
HRS §431:8-208 Defense of action by unauthorized insurer; bond
HRS §431:8-209 Attorney's fees
HRS §431:8-210 Advertising prohibited
HRS §431:8-211 Penalties
HRS §431:8-300 Exemptions from surplus lines law
HRS §431:8-301 Insurance placed with unauthorized insurer permitted
HRS §431:8-302 Surplus lines insurers
HRS §431:8-305 Evidence of insurance; changes; penalties
HRS §431:8-306 Signature of broker and special endorsement of surplus lines policy
HRS §431:8-307 Broker's duty to notify insured
HRS §431:8-308 Surplus lines insurance valid
HRS §431:8-309 Effect of payment to surplus lines broker
HRS §431:8-310 Surplus lines broker license required; application and qualifications for license
HRS §431:8-311 Compensation
HRS §431:8-312 Records of surplus lines broker
HRS §431:8-313 Surplus lines broker's reports to commissioner
HRS §431:8-314 Surplus lines advisory organizations
HRS §431:8-315 Tax on surplus lines
HRS §431:8-316 Penalty for failure to file statement or remit tax
HRS §431:8-317 License denial, nonrenewal, suspension, or revocation
HRS §431:8-318 Examination of surplus lines broker's accounts and records
HRS §431:8-319 Actions against surplus lines insurer; service of process
HRS §431:8-320 Penalties
C. Casualty, Surety, Property, Marine, and Transportation Rate Regulation
Ref: 431:14-101 thru 118, 120
HRS §431:14-101 Purpose
HRS §431:14-101.5 Definitions
HRS §431:14-102 Scope
HRS §431:14-103 Making of rates
HRS §431:14-103.3 Rate adjustment mandates
HRS §431:14-103.5 Contracting classification premium program
HRS §431:14-104 Rate filings
HRS §431:14-104.5 Loss cost filings
HRS §431:14-105 Policy revisions that alter coverage
HRS §431:14-105.5 Standing to intervene in rate filing and ratemaking proceedings
HRS §431:14-106 Disapproval of filings
HRS §431:14-107 Rating organizations
HRS §431:14-107.1 Rating and advisory organizations, permitted activity
HRS §431:14-107.2 Insurers and organizations, prohibited activity
HRS §431:14-107.3 Rating or advisory organizations, prohibited activity
HRS §431:14-108 Deviations
HRS §431:14-109 Appeal by minority
HRS §431:14-110 Information to be furnished insureds; hearings and appeals of insureds
HRS §431:14-110.5 Disclosure of workers' compensation premium information
HRS §431:14-110.8 Publication of homeowners insurance premium information
HRS §431:14-111 Advisory organizations
HRS §431:14-112 Joint underwriting or joint reinsurance
HRS §431:14-113 Examination
HRS §431:14-114 Rate administration
HRS §431:14-115 False or misleading information
HRS §431:14-116 Assigned risks
HRS §431:14-116.5 Assigned risk pool; experience rating plan
HRS §431:14-116.6 Assigned risk pool; residual market plan
HRS §431:14-117 Penalties
HRS §431:14-118 Hearing procedure and judicial review
HRS §431:14-120 Additional powers for workers' compensation rate filing and ratemaking
VI. HAWAII LAWS AND RULES PERTINENT TO PROPERTY INSURANCE ONLY
A. Definitions
1. Property insurance
Ref: 431:1-206; 431:10E-101 thru 103
HRS §431:1-206 Property insurance defined
HRS §431:10E-101 Insurable interest in property required
HRS §431:10E-102 Over-insurance prohibited; exceptions
HRS §431:10E-103 Exceptions
2. Marine and transportation insurance
Ref: 431:1-207
HRS §431:1-207 Marine and transportation insurance defined
B Standard Form Fire Policy
Ref:431:10-210
HRS §431:10-210 Standard form fire policy
C. Multi-Peril Policies
Ref: 431:10-219
HRS §431:10-219 Multi-peril policies, premiums stated separately
D. Overinsurance
Ref: 431:10E-102 thru 103
HRS §431:10E-102 Over-insurance prohibited; exceptions
HRS §431:10E-103 Exceptions
VII. HAWAII LAWS AND RULES PERTINENT TO CASUALTY INSURANCE ONLY
A. Definition of Casualty Insurance
Ref: 431:1-209
HRS §431:1-209 General casualty insurance defined
B. Hawaii Motor Vehicle Insurance Law
Ref: HRS 431:10C-101-608; HAR Title 16-Chapter 23:1-16; 57-60
HRS §431:10C-101 Short title
HRS §431:10C-102 Purpose
HRS §431:10C-103 Definitions
HRS §431:10C-103.5 Personal injury protection benefits; defined; limits
HRS §431:10C-103.6 Personal injury protection benefits tied to prepaid health care plan for description of coverage only
HRS §431:10C-104 Conditions of operation and registration of motor vehicles
HRS §431:10C-104.5 Repealed
HRS §431:10C-105 Self-insurance
HRS §431:10C-106 Specialty insurers not prohibited
HRS §431:10C-107 Verification of insurance: motor vehicles
HRS §431:10C-108 Unlawful use of motor vehicle insurance identification card
HRS §431:10C-109 Motor vehicle insurance identification card after cancellation of policy; return to insurer, civil sanctions
HRS §431:10C-110 Rejection of application, joint underwriting plan placement
HRS §431:10C-110.5 Replacing motor vehicle insurance policy through an insurer's affiliate or subsidiary
HRS §431:10C-111 Cancellation and nonrenewal of policies: when prohibited, when permitted
HRS §431:10C-111.5 Limit on nonrenewals and conditional renewals
HRS §431:10C-112 Notice of cancellation or nonrenewal; effect on term of coverage
HRS §431:10C-112.5 Notice of cancellation for insurer ceasing to issue motor vehicle insurance policies
HRS §431:10C-113 Violation of rejection, cancellation and nonrenewal provisions
HRS §431:10C-114 Insured's obligations upon termination of insurance
HRS §431:10C-115 Drivers education fund underwriters fee
HRS §431:10C-115.5 Repealed
HRS §431:10C-115.6 Disclosure of personal injury protection limits and payments
HRS §431:10C-115.7 Plain language billings
HRS §431:10C-116 Challenges to motor vehicle insurance law; intervention by attorney general
HRS §431:10C-117 Penalties
HRS §431:10C-117.5 Additional civil liability
HRS §431:10C-118 Fee in lieu of fine; defense
HRS §431:10C-119 Insurer's requirements
HRS §431:10C-120 Prohibitions, penalty
HRS §431:10C-121 Severability
HRS §431:10C-201 Motor vehicle insurance rates generally
HRS §431:10C-202 Making of motor vehicle insurance rates
HRS §431:10C-202.5 Immediate rate freeze; rate reduction; relief
HRS §431:10C-203 Rate filings
HRS §431:10C-204 Repealed
HRS §431:10C-205 Rate review: request by aggrieved party
HRS §431:10C-206 Repealed
HRS §431:10C-206.5 Group insurance plans
HRS §431:10C-207 Discriminatory practices prohibited
HRS §431:10C-208 Increase in premiums prohibited
HRS §431:10C-209 Rate administration
HRS §431:10C-209.5 Repealed
HRS §431:10C-210 Publication of premium information
HRS §431:10C-211 Attorney's fees
HRS §431:10C-212 Administrative hearing on insurer's denial of claim
HRS §431:10C-213 Arbitration
HRS §431:10C-213.5 Binding arbitration
HRS §431:10C-214 Administration
HRS §431:10C-215 Inspection and audit
HRS §431:10C-216 Annual review
HRS §431:10C-301 Required motor vehicle policy coverage
HRS §431:10C-301.5 Covered loss deductible
HRS §431:10C-302 Required optional additional insurance
HRS §431:10C-302.5 Managed care option
HRS §431:10C-303 Right to personal injury protection benefits
HRS §431:10C-303.5 U-drive insurance policy; primary
HRS §431:10C-304 Obligation to pay personal injury protection benefits
HRS §431:10C-305 Source of payment
HRS §431:10C-305.5 Right to reimbursement of deductible paid; when
HRS §431:10C-306 Abolition of tort liability
HRS §431:10C-307 Reimbursement of duplicate benefits
HRS §431:10C-307.7 Repealed
HRS §431:10C-307.8 Repealed
HRS §431:10C-308 Repealed
HRS §431:10C-308.5 Limitation on charges
HRS §431:10C-308.6 Repealed
HRS §431:10C-308.7 Client-patient referrals, health care provider practices prohibited
HRS §431:10C-309 Total loss motor vehicle claims
HRS §431:10C-310 Total loss motor vehicle claims: replacement
HRS §431:10C-311 Total loss motor vehicle claims: cash settlement
HRS §431:10C-312 Payment of excise tax and certificate of ownership fee
HRS §431:10C-313 Insurer practices regarding loss of use, storage and towing, and betterment
HRS §431:10C-313.5 Preferred repair provider
HRS §431:10C-313.6 Original equipment manufacturer's and like kind and quality parts
HRS §431:10C-314 Jurisdiction
HRS §431:10C-315 Statute of limitations
HRS §431:10C-401 Participation
HRS §431:10C-402 Bureau
HRS §431:10C-403 Bureau's duties
HRS §431:10C-404 Allocation of costs
HRS §431:10C-405 Board of governors
HRS §431:10C-406 Regulations, review, and appellate procedure
HRS §431:10C-407 Classifications
HRS §431:10C-408 Assigned claims
HRS §431:10C-409 Establishment and criteria
HRS §431:10C-410 Schedules
HRS §431:10C-411 Optional additional coverages
HRS §431:10C-412 Adjustment and refund
HRS §431:10C-601 Agreement
HRS §431:10C-602 Surety bond or deposit of security; proof of financial ability
HRS §431:10C-603 Proof of ability to process and pay claims promptly
HRS §431:10C-604 Issuance of certificate of self-insurance
HRS §431:10C-605 Duty to notify commissioner
HRS §431:10C-606 Duration of certification
HRS §431:10C-607 Revocation of certificate of self-insurance
HRS §431:10C-608 Termination of self-insurer status and withdrawal of security deposit
http://files.hawaii.gov/dcca/ins/har/har_23-c.pdf
1. Purpose
Ref: 431:10C-102
HRS §431:10C-102 Purpose
2. Compulsory insurance–required limits and coverages
Ref: 431:10C-103.5 thru 103.6, 105; 431:10C-301 thru 302
HRS §431:10C-103.5 Personal injury protection benefits; defined; limits
HRS §431:10C-103.6 Personal injury protection benefits tied to prepaid health care plan for description of coverage only
HRS §431:10C-105 Self-insurance
HRS §431:10C-301 Required motor vehicle policy coverage
HRS §431:10C-301.5 Covered loss deductible
HRS §431:10C-302 Required optional additional insurance
3. Right to sue
Ref: 431:10C-306
HRS §431:10C-306 Abolition of tort liability
4. Obligation to pay Personal Injury Protection (PIP) benefits
Ref: 431:10C-304
HRS §431:10C-304 Obligation to pay personal injury protection benefits
5. Personal Injury Protection (PIP)
Ref: 431:10C-103.5
HRS §431:10C-103.5 Personal injury protection benefits; defined; limits
6. Premium determination
Ref: 431:10C-202, 203, 205, 207, 208
HRS §431:10C-202 Making of motor vehicle insurance rates
HRS §431:10C-203 Rate filings
HRS §431:10C-205 Rate review: request by aggrieved party
HRS §431:10C-207 Discriminatory practices prohibited
HRS §431:10C-208 Increase in premiums prohibited
7. Hawaii Joint Underwriting Plan
Ref: 431:10C-401 thru 412
HRS §431:10C-401 Participation
HRS §431:10C-402 Bureau
HRS §431:10C-403 Bureau's duties
HRS §431:10C-404 Allocation of costs
HRS §431:10C-405 Board of governors
HRS §431:10C-406 Regulations, review, and appellate procedure
HRS §431:10C-407 Classifications
HRS §431:10C-408 Assigned claims
HRS §431:10C-409 Establishment and criteria
HRS §431:10C-410 Schedules
HRS §431:10C-411 Optional additional coverages
HRS §431:10C-412 Adjustment and refund
8. Renewal, nonrenewal and cancellation
Ref: 431:10C-109 thru 114
HRS §431:10C-109 Motor vehicle insurance identification card after cancellation of policy; return to insurer, civil sanctions
HRS §431:10C-110 Rejection of application, joint underwriting plan placement
HRS §431:10C-110.5 Replacing motor vehicle insurance policy through an insurer's affiliate or subsidiary
HRS §431:10C-111 Cancellation and nonrenewal of policies: when prohibited, when permitted
HRS §431:10C-111.5 Limit on nonrenewals and conditional renewals
HRS §431:10C-112 Notice of cancellation or nonrenewal; effect on term of coverage
HRS §431:10C-112.5 Notice of cancellation for insurer ceasing to issue motor vehicle insurance policies
HRS §431:10C-113 Violation of rejection, cancellation and nonrenewal provisions
HRS §431:10C-114 Insured's obligations upon termination of insurance
C. Financial Responsibility
1. Definition of proof of financial responsibility
Ref: 287-1
HRS §287-1 Definitions
2. Proof required
Ref: 287-20, 21, 22, 37
HRS §287-20 Proof of financial responsibility required upon conviction of certain offenses
HRS §287-21 Alternate methods of giving proof
HRS §287-22 Certificate of insurance as proof
HRS §287-37 Owner may give proof for others
D. Uninsured and Underinsured Motorists
Ref: 431:10C-103; 431:10C-301 (b)(4)
HRS §431:10C-103 Definitions
HRS §431:10C-301 Required motor vehicle policy coverage
E. Worker’s Compensation
Ref: 386-1, 3, 5, 6, 21, 31, 32, 82, 95, 121-124, 127
HRS §386-1 Definitions
HRS §386-3 Injuries covered
HRS §386-5 Exclusiveness of right to compensation; exception
HRS §386-6 Territorial applicability
HRS §386-21 Medical care, services, and supplies
HRS §386-31 Total disability
HRS §386-32 Partial disability
HRS §386-82 Claim for compensation; limitation of time
HRS §386-95 Reports of injuries, other reports, penalty
HRS §386-121 Security for payment of compensation; misdemeanor
HRS §386-122 Notice of insurance
HRS §386-123 Failure to give security for compensation; penalty; injunction
HRS §386-124 The insurance contract
HRS §386-127 Cancellation of insurance contracts
1. Definitions
Ref: 386-1
HRS §386-1 Definitions
2. Requirements
a. Exclusiveness of right to compensation
Ref: 386-5
HRS §386-5 Exclusiveness of right to compensation; exception
3. Coverages
a. Insurance contract
Ref: 386-124
HRS §386-124 The insurance contract
4. Benefits
b. Total disability
Ref: 386-31
HRS §386-31 Total disability
HAWAII WORKERS COMPENSATION ADJUSTER
EXAMINATION CONTENT OUTLINE
(25 scoreable questions)
I. WORKERS COMPENSATION…………………(21-23)
Ref: HRS 386-1, 3, 5, 6, 8, 21, 27, 31, 32, 41, 82, 92, 95, HAR 121-124, 127
HRS §386-1 Definitions
HRS §386-3 Injuries covered
HRS §386-5 Exclusiveness of right to compensation; exception
HRS §386-6 Territorial applicability
HRS §386-21 Medical care, services, and supplies
HRS §386-31 Total disability
HRS §386-32 Partial disability
HRS §386-82 Claim for compensation; limitation of time
HRS §386-95 Reports of injuries, other reports, penalty
A. Definitions
Ref: 386-1
HRS §386-1 Definitions
B. Requirements
1. Exclusiveness of right to compensation
Ref: HRS 386-5
HRS §386-5 Exclusiveness of right to compensation; exception
2. Territorial applicability
Ref: HRS 386-6
HRS §386-6 Territorial applicability
3. Injury Reports
Ref: HRS 386-95
HRS §386-95 Reports of injuries, other reports, penalty
C. Coverages
1. Injuries covered
Ref: 386-3; 431:10c-305 (2), HRS
HRS §386-3 Injuries covered
HRS §431:10C-305 Source of payment
2. Insurance contract
Ref: 386-124
HRS §386-124 The insurance contract
3. Cancellation of insurance contracts
Ref: 386-127
HRS §386-127 Cancellation of insurance contracts
4. Failure to provide coverage
Ref: 386-123
HRS §386-123 Failure to give security for compensation; penalty; injunction
D. Benefits
1. Medical care services and supplies
Ref: 386-21, 386-23, 386-27
HRS §386-21 Medical care, services, and supplies
HRS §386-23 Services of attendant
HRS §386-27 Qualification and duties of health care providers
2. Total disability
Ref: 386-31
HRS §386-31 Total disability
3. Partial disability
Ref: 386-32
HRS §386-32 Partial disability
4. Benefit Adjustment
Ref: 386-34
HRS §386-34 Payment after death
5. Payment after death
Ref: 386-35
HRS §386-35 Benefit adjustment
E. Vocational Rehabilitation
Ref: HAR 12-14-1, 23, 26, 30, 38, 40; HRS 386-25
http://dlirbeta.hawaii.gov/dcd/files/2012/11/VR-Rules-Ch-14-Title-12.pdf
HRS §386-25 Vocational rehabilitation
F. Medical Fee Schedule
Ref: HAR 12-15-1, 13, 15, 31, 38, 42, 55, 90, 92, 94
http://labor.hawaii.gov/dcd/files/2012/11/2-28-11-MFS-Web-ver-4.18.13.pdf
II. ADJUSTER..................................................................... (1-2)
A. Definitions
Ref: 431:9-105, 222.5
HRS §431:9-105 Definitions
HRS §431:9-222.5 Claims adjusters; limited license
B. Qualification of license
Ref: 431:9-203, 222.5
HRS §431:9-203 General qualifications for license
HRS §431:9-222.5 Claims adjusters; limited license
III. MARKETING PRACTICES ............................................ (1-2)
A. Unfair and deceptive practices
Ref: 431:13-101 thru 108
HRS §431:13-101 Purpose
HRS §431:13-102 Unfair methods of competition; unfair or deceptive acts or practices prohibited
HRS §431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined
HRS §431:13-104 Favored producer or insurer; coercion of debtors
HRS §431:13-105 Power of commissioner
HRS §431:13-106 Hearings
HRS §431:13-107 Commissioner's right of action
HRS §431:13-108 Reimbursement for accident and health or sickness insurance benefits
B. Required records and record retention
Ref: 431:9A-123, 125
HRS §431:9A-123 Records of insurance producer
HRS §431:9A-125 Continuing education recordkeeping
HAWAII TITLE INSURANCE
EXAMINATION CONTENT OUTLINE
Product Knowledge, Terms, and Concepts
Hawaii Laws and Rules
(92 scoreable questions)
VII. HAWAII INSURANCE LAWS PERTINENT TO TITLE INSURANCE… ...............................................................46
A. Definitions and Scope
Ref: 431:20-101, 102 thru 125; 431:1-201, 431:1-212 thru 214; 431:3-101 thru 305; 431:6-101; 431:6-601, 602; 431:9A-102; 431:9A-141; 431:13-102; 431:13-108(j); 43
HRS §431:20-101 Scope
HRS §431:20-102 Definitions
HRS §431:20-103 General insurance law applicable
HRS §431:20-104 Particular provisions prevail
HRS §431:20-105 Authorized business
HRS §431:20-106 Restrictions on business
HRS §431:20-106.5 Escrow depositories
HRS §431:20-107 Capital requirements
HRS §431:20-108 Guarantee fund
HRS §431:20-109 Limitations on compliance with section 431:20-107 and section 431:20-108
HRS §431:20-110 Purchase of materials and plant; valuation
HRS §431:20-110.5 Dividends
HRS §431:20-111 Loans to officers, etc.
HRS §431:20-112 Limit of risk
HRS §431:20-113 Underwriting standards and record retention
HRS §431:20-114 Reinsurance reserve
HRS §431:20-115 Use of reinsurance reserve on liquidation, dissolution or insolvency
HRS §431:20-116 Loss and loss expense reserve
HRS §431:20-117 Reinsurance
HRS §431:20-118 Prohibition on rebates and inducements
HRS §431:20-119 Division of fees
HRS §431:20-120 Schedules of premiums and charges
HRS §431:20-121 Contract forms, filing, disapproval
HRS §431:20-122 Annual statement
HRS §431:20-123 Remedies
HRS §431:20-124 Additional penalty
HRS §431:20-125 Revocation or suspension of title insurer's certificate of authority
HRS §431:1-201 Insurance defined
HRS §431:1-212 Person defined
HRS §431:1-213 State defined
HRS §431:1-214 United States defined
HRS §431:3-101 Alien insurer
HRS §431:3-102 Capital funds
HRS §431:3-103 Charter
HRS §431:3-104 Domestic insurer
HRS §431:3-105 Foreign insurer
HRS §431:6-101 Definitions pertaining to investments
HRS §431:6-102 Merged, reorganized institutions
HRS §431:9A-102 Definitions
HRS §431:9A-141 Definitions
HRS §431:13-102 Unfair methods of competition; unfair or deceptive acts or practices prohibited
HRS §431:13-108 Reimbursement for accident and health or sickness insurance benefits
HRS §431:15-103 Definitions
B.
Rates
1. Filing Requirements
a. Closing/Settlement Fees
Ref: 431:20-119; 431:20-121; 431:10-218; 431:9A-113
HRS §431:20-119 Division of fees
HRS §431:20-121 Contract forms, filing, disapproval
HRS §431:10-218 Stated premium must include all charges
HRS §431:9A-113 Commissions
b. Title Insurance Premiums
Ref: 431:20-120
HRS §431:20-120 Schedules of premiums and charges
2. Volume Discounts; 431:20-118; 431:20-120
HRS §431:20-118 Prohibition on rebates and inducements
HRS §431:20-120 Schedules of premiums and charges
C. Consumer Protections
1. Retention of Records/Response to Division Inquiries
Ref: 431:20-113, 431:9A-123; 431:2-208
HRS §431:20-113 Underwriting standards and record retention
HRS §431:9A-123 Records of insurance producer
HRS §431:2-208 Access to records
2. Search and examination
Ref: 431:20-113
HRS §431:20-113 Underwriting standards and record retention
D. Standards of Conduct/Licensing
1. Insurance Commissioner
a. Power and duties
Ref: 431:20-121; 431:2-201 thru 204; 431:2- 207 thru 212
HRS §431:20-121 Contract forms, filing, disapproval
HRS §431:2-201 General powers and duties
HRS §431:2-201.2 Standards for commissioner
HRS §431:2-201.3 Criminal convictions; consent to engage in business
HRS §431:2-201.5 Conformity to federal law
HRS §431:2-201.8 Sales to members of the armed forces
HRS §431:2-202 Orders and notices
HRS §431:2-202.5 Approval; when deemed effective
HRS §431:2-203 Enforcement
HRS §431:2-204 Commissioner's power to subpoena
HRS §431:2-207 Contempt proceedings
HRS §431:2-208 Access to records
HRS §431:2-209 Records and reports
HRS §431:2-210 Copies and certificates as evidence
HRS §431:2-211 Annual report
HRS §431:2-212 Interstate cooperation
b. Hearings and penalties
Ref: 431:2-203; 431:9A-112, 126, 127, 129; 431:13-201 thru 204; 431:2-308; 431:13-106; 431:20-124, 125
HRS §431:2-203 Enforcement
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
HRS §431:13-201 Cease and desist and penalty orders; judicial review
HRS §431:13-202 Penalty for violation of cease and desist orders
HRS §431:13-203 Rules
HRS §431:13-204 Provisions of sections additional to existing laws
HRS §431:2-308 Administrative procedure act applies
HRS §431:13-106 Hearings
HRS §431:20-124 Additional penalty
HRS §431:20-125 Revocation or suspension of title insurer's certificate of authority
c. License suspension and revocation
Ref: 431:9A-112, 113, 126, 127, 129; 431:2-203
HRS §431:9A-112 License denial, nonrenewal, suspension, or revocation
HRS §431:9A-113 Commissions
HRS §431:9A-126 Power to fine
HRS §431:9A-127 Fine in lieu
HRS §431:9A-129 Penalty
HRS §431:2-203 Enforcement
d. Insurer’s guarantee fund
Ref: 431:20-108
HRS §431:20-108 Guarantee fund
2. Licensing and producers’ legal responsibility
a. Persons required to be licensed
Ref: 431:9A-103, 104
HRS §431:9A-103 License required
HRS §431:9A-104 Exceptions to licensing
b. Payment and acceptance of commissions/fees
Ref: 431:9A-113
HRS §431:9A-113 Commissions
c. Fiduciary/commingling
Ref: 431:9A-123.5
HRS §431:9A-123.5 Reporting and accounting for premiums
d. Unauthorized entities
Ref: 431:20-102; 431:20-105, 106
HRS §431:20-102 Definitions
HRS §431:20-105 Authorized business
HRS §431:20-106 Restrictions on business
e. Responsible Producer
Ref: 431:20-121
HRS §431:20-121 Contract forms, filing, disapproval
3. Unfair competition and deceptive practices
Ref: 431:13-101 thru 108
HRS §431:13-101 Purpose
HRS §431:13-102 Unfair methods of competition; unfair or deceptive acts or practices prohibited
HRS §431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined
HRS §431:13-104 Favored producer or insurer; coercion of debtors
HRS §431:13-105 Power of commissioner
HRS §431:13-106 Hearings
HRS §431:13-107 Commissioner's right of action
HRS §431:13-108 Reimbursement for accident and health or sickness insurance benefits
a. Controlled business
Ref: 431:9A-112.5
HRS §431:9A-112.5 Controlled business
b. Rebates / Inducements
Ref: 431:20-118, 124; 431:13-103
HRS §431:20-118 Prohibition on rebates and inducements
HRS §431:20-124 Additional penalty
HRS §431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined
c. Unfair claims practices
Ref: 431:20-118; 431:13-103
HRS §431:20-118 Prohibition on rebates and inducements
HRS §431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined