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Classes of Insurance - Answer - Life - Accident and Health - Property - Marine and Transportation - Vehicle - General Casualty - Surety Insurance Classification - Answer - Classified by the location of incorporation - Domestic (within HI), Foreign (outside of HI, but within the US and US Territories), Alien (Outside of the U.S.) Ownership - Answer Stock Companies (owned by shareholders), Mutual Companies (owned by policy-owners), Reciprocal Companies (shared liabil...

T/F the commissioner is appointed not elected? - Answer True The commissioner can do which of the following A. Adopt reasonable rules B. Suspend or revoke licenses C. Subpoena witness and documents, administer oaths and take depositions D. Examine records of a producer at any time E. All of the above - Answer E. All of the above T/F the commissioner requires an insurer or licensee to respond in writing within 10 days to any written inquiry from the commissioner regard...

Hawaii Pesticide Law - Answer the State of Hawaii law that authorizes the Hawaii department of agriculture (HDOA) to make and enforce pesticide rules for Hawaii Chemical products intended to do any of the following · Poison or control pests, including weeds · Bait pests by attracting and poisoning them · Attract or Repel pests · Control plant growth, such as development of roots, flowers and fruits · Preserve wood, paint and fuels · Sanitize or disinfect objects, hard surfac...

As an insurance company, you represent: - Answer Insurers All are the duties of the Commissioner, EXCEPT - Answer Examine insureds Domestic insurers must be audited by the Commissioner - Answer Every 3 years All of the following are requirements for obtaining a resident producer's license EXCEPT - Answer Completion of pre-license training In authorizing an insurer to transact business in Hawaii, the Commissioner is - Answer Allowing that company to le...

5.1 Hawaii's fair housing laws apply to which of these categories not covered by the federal fair housing law? - Answer AGE (Federal law applies to race, religion, color, sex, familial status, mental or physical handicap, national origin. Hawaii law applies to race, religion, color, sex, familial status, mental or physical handicap, ancestry, age, marital status.) 5.2 The Real Estate Commission's rules of conduct require that a licensee - Answer protect the public against un...

A Producer must keep transaction records for: 1 year. b.2 years. c.3 years. d.5 years. - Answer 5 years The Commissioner may regulate an "Insurance Transaction" which includes each of the following EXCEPT: Select one: a.Delivery of an insurance contract. b.Taking insurance applications. c.Collecting premiums. d.Arbitration and litigation. - Answer Arbitration and litigation. All fire policies sold in Hawaii must conform to the New York Standard Fire Policy or its...

The Commissioner must examine an insurer at least once every _____ year(s). - Answer 5 years Advance notice of a hearing must be at least _____ day(s). - Answer 15 days How much is the minimum fine per violation for unknowingly committing an unfair act? Maximum? - Answer $1,000 $10,000 How much is the minimum fine for knowingly committing an unfair act? Maximum? - Answer $5,000 $50,000 What is the maximum fine for violating a cease and desist order per vio...

cease and desist - Answer to stop or discontinue Coercion - Answer forceful act or threat aimed to influence a person to act against his or her will Domicile (for insurers) - Answer state in which an insurer is organized and has its main place of business Exempt - Answer not subject to an obligation Home office - Answer insurer's headquarters, principal place of business Inducement - Answer an offer that attempts to influence another party ...

Foreign Insurance Company doing business in Hawaii - Answer Is a company that was formed under the laws of another state Which of these is NOT a required group life policy provision - Answer Right to loan proceeds A producer who willfully violates the insurance code my, after a hearing, pay UP TO ______ per violation as a penalty life in - Answer $5,000 A producer must complete __ hour(s) of ethics per continuing education reporting period. - Answer 3 Life ins...

A producer who is a resident in another state but licensed to transact insurance in Hawaii is called a(n) _____ producer. - Answer Nonresident producer As a condition for a loan, a bank requires the borrower to purchase credit insurance from a specific company. What is the bank guilty of? - Answer Coercion Coercion = the practice of persuading someone to do something by using force or threats. A creditor who requires a debtor to obtain insurance from a particular company or ...

All of the following statements are correct regarding credit life insurance EXCEPT - Answer Benefits are paid to the borrower's beneficiary. Which of the following documents must be provided to the policyowner or applicant during policy replacement? - Answer Notice Regarding Replacement All of the following information about a customer must be used in determining annuity suitability EXCEPT - Answer Beneficiary's age. Which of the following are NOT eligible for gr...

Hawaii licensing laws for brokers and salespersons (including property managers) are guided by - Answer (1). HRS 467 - state law regarding real estate brokers and salespersons (2) HRS 436B - covers ALL professions licensed by the State of Hawaii under the Department of Commerce and Consumer Affairs (DCCA) (3). HAR Title16, Chapter 99 - clarifies and implements HRS 467 Real Estate Commission consists of - Answer (1). 9 members appointed by governor and confirmed by senate ...

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communication - Answer exchange of verbal and nonverbal messages with the intent of stimulating particular meanings in the minds of others ad hominem - Answer occurs when someone refutes an argument by attacking the person who presented the argument rather than the argument itself adaptors - Answer movements that communicators engage in, sometimes unconsciously, to relieve stress and anxiety affect displays - Answer nonverbal movements that reveals emotion aff...

Communication - Answer the process of using symbols to exchange meaning. Sender - Answer the individual who constructs the message Receiver - Answer the individual to whom the message is sent and who interprets the message. Message - Answer information traveling between the sender and the receiver. Channel - Answer the medium through which the message is sent. Environment - Answer the setting in which the communication occurs. Feedback - Answ...

The word communication comes from the Latin "communicate" which means: a. "to speak with understanding" b. "to make common" c. "to form a community of believers" d. "to care for others" - Answer b. "to make common" Which of the following did NOT relate to the term "process?" a. continuous b. ongoing c. dynamic d. static - Answer d. static The accumulation of various types of mass communications (radio, television, newspapers, i...

selective exposure - Answer we will attend to information that reinforces existing beliefs and disregard information that is at odds with our current position. selective attention - Answer once we are engaged in a particular interaction, we focus on certain information and ignore other information. selective perception - Answer our inclination to see, hear, and believe what we want to see, hear, and believe. selective recall - Answer we remember things that we ag...

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If you design a Web site that conducts financial transactions, security risks on this Web site are inevitable. a. true b. false - Answer False When you are building a Web site the only people you want to visit your Web site are authorized users that have permission to access your Web site. a. true b. false - Answer False When building a Web site, the Internet service provider you choose is an important factor. a. true b. false - Answer True A proxy server all...

Access Control - Answer A method for determining and assigning privileges to resources Adware - Answer Produces pop-up messages in Internet Explorer, the Windows messenger service, or other applications Algorithms - Answer A rule or mechanism used to encrypt data Anti-Malware Programs - Answer Help to prevent malicious code from executing on the system Asymmetric Key Encryption - Answer Uses a pair of keys, one public and the other private Attacker - ...