HI Life & Health case studies

HI Life & Health · Put your knowledge to work in context.

The Hawaii Life & Health Insurance Producer Examination is the licensing test that candidates must pass to become licensed in Hawaii to sell life insurance and health insurance products. The Hawaii Insurance Division, part of the Department of Commerce and Consumer Affairs (DCCA), is the state regulator that issues producer licenses, reviews rate and policy filings, and investigates insurance-related complaints. The HI Life & Health case studies are 5 cases and about 3,274 words.

The 24-Employee Landscaper: Who Must Be Covered, and At What Cost?

Kimo runs a 24-employee landscaping company in Hilo. His newest worker, Maria, was hired six weeks ago, works 24 hours a week, and earns 3,200 a month.

672 words, about 3 min 2

A Birth-Date Error and a Beneficiary Form Mailed Two Days Before Death

At what he believed was age 45, David applied for a 250,000 whole life policy and listed his birth date as March 2, 1979. His actual birth date was March 2, 1976, making him 48 at issue.

524 words, about 3 min 3

Rosalind's $30,000 Roof: Withdraw, Exchange, or Annuitize?

Rosalind, 71, bought a nonqualified deferred annuity 12 years ago with a single 90,000 deposit. The contract is now worth 150,000.

712 words, about 4 min 4

Kenji Retires in March: Medicare, the Group PPO, and Susan's 20-Month Gap

Kenji, 68, is a full-time project manager at a Honolulu engineering firm with 40 employees. His wife Susan, 63, turns 65 in 20 months; both are covered under the firm's group PPO.

675 words, about 3 min 5

Dr. Alana's Back Surgery: Total, Then Residual, Then the Definition Changes

Alana, 44, a periodontist in Kailua, owns a noncancelable, guaranteed renewable disability income policy: a $9,000 monthly benefit, a 90-day elimination period, an own-occupation definition for the first 24 months of disability and any-occupation after that, and a residual disability rider with a 20% loss threshold. The policy has no Social Security or workers' compensation offset.

691 words, about 3 min