CertQuestUSA
Transportation70+AK/AL/AR +moreConstruction & Safety39+CAEnvironmental98+AL/AR/AZ +moreHealthcare & Clinical183+AL/AR/AZ +moreProfessional Licensing307+AL/AR/AZ +moreEducation & Teacher Certification17Aviation & FAA Certification9Finance & Securities Licensing19View all sectors ›

Life, Accident & Health Insurance Producer License (HI)

First published: September 5, 2026Last verified: September 5, 2026Reviewed by the CertQuestUSA team
TL;DR

Life, Accident & Health Insurance Producer License (HI): a 111-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 111 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily HRS (95%) and Title 21 — Chapters (2%) of this exam's citations.

Not sure where you stand? Take the free diagnostic — 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
Start diagnostic
3
full papers, no repeats
111
questions per paper
111
questions in the bank
What this exam covers
5 real sample questions
Hawaii's long-term care (LTC) insurance regulations under HRS §431:10H establish basic standards intended to:
A. Allow LTC policies to be sold with no minimum standards
B. Set minimum policy standards, outline of coverage requirements, and suitability standards to protect LTC insurance purchasers
C. Apply exclusively to group LTC policies, never individual LTC policies
D. Prohibit the sale of any LTC insurance in Hawaii
Source: HRS §431:10H-107; §431:10H-112; §431:10H-201; §431:10H-231 — long term care
An insurance producer who collects premium payments from clients on behalf of an insurer is generally required, under HRS §431:9A-123.5, to:
A. Keep the funds in a personal account indefinitely
B. Properly account for and remit premium funds to the insurer as a fiduciary in accordance with statutory requirements
C. Use the funds for the producer's business operating expenses freely
D. Wait one year before remitting collected premium
Source: HRS §431:9A-123.5 — reporting and accounting for premiums
Under HRS §431:9A-113, an insurance producer may generally share commissions with:
A. Any unlicensed individual who refers a client, regardless of licensing status
B. Another properly licensed producer, subject to statutory conditions
C. Only immediate family members, regardless of licensure
D. No one under any circumstances
Source: HRS §431:9A-113 — sharing commissions
'Controlled business,' which is restricted under HRS §431:9A-112.5, refers to insurance business that is:
A. Written on the producer's own life, or on the lives/property of the producer's relatives or the producer's own business interests, in disproportionate volume
B. Written for unrelated members of the general public
C. Reinsurance business between two insurers
D. Group insurance business for a large unrelated employer
Source: HRS §431:9A-112.5 — controlled business
Under HRS §431:10-218 and related provisions, insurers and producers handling premium funds are subject to requirements intended primarily to:
A. Maximize insurer profit with no consumer protection purpose
B. Protect policyholders by ensuring premiums are properly handled, accounted for, and applied
C. Eliminate the need for any premium collection procedures
D. Allow producers unlimited discretion over client premium funds
Source: HRS §431:10-218 — premiums
Same exam, other states
ALARAZCACOCTDCFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSNCNENHNJNMNVNYOHOKORPASCTNTXUTVAWAWIWV
Real-world data for this exam
Insurance Sales Agents: real median wageMay 2025$62,280/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life, Accident & Health Insurance Producer License (HI) practice test?
111 questions total, split into 3 full papers of 111 each with no repeats across papers.
What topics does the Life, Accident & Health Insurance Producer License (HI) test cover?
13 domains, with the heaviest weight on HI Laws Common to Life/A&H/Property/Casualty/Personal Lines (HRS 431) (13%), HI Laws Common to All Lines, A&H Application (HRS 431) (11%), and Life Insurance: Provisions, Riders, Options, Exclusions (10%).
Where do CertQuestUSA's Life, Accident & Health Insurance Producer License (HI) questions come from?
Primarily HRS (95%) and Title 21 — Chapters (2%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free diagnostic for Life, Accident & Health Insurance Producer License (HI)?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
Composing your paper...