State statute · Hawaii

Unfair methods of competition and unfair or deceptive acts or practices defined

Hawaii Revised Statutes § 431:13-103

Publisher: Hawaii State Legislature
Edition: Haw. Rev. Stat. s. 431:13-103, current official online text, retrieved 2026-09-11
Last checked: 2026-09-11
Status: US state statute

Edition and licensing notes

Publisher. Hawaii State Legislature (data.capitol.hawaii.gov)

Status. US state statute; public domain.

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What this document is

Hawaii Revised Statutes § 431:13-103 - Unfair methods of competition and unfair or deceptive acts or practices defined is a state statute published by Hawaii State Legislature (data.capitol.hawaii.gov). It is one of the Hawaii documents that insurance license exam questions are written from, including hawaii life & health, hawaii property & casualty practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

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Haw. Rev. Stat. § 431:13-103(a)(1)(I) (Assets advertised without equally conspicuous liabilities)
“Publishes or advertises the assets of any insurer without publishing or advertising with equal conspicuousness the liabilities of the insurer, both as shown by its last annual statement;”
Haw. Rev. Stat. § 431:13-103(a)(4) (Boycott, Coercion, and Intimidation)
“Boycott, coercion, and intimidation. (A) Entering into any agreement to commit, or by any action committing, any act of boycott, coercion, or intimidation resulting in or tending to result in unreasonable restraint of, or monopoly in, the business of insurance; or (B) Entering into any agreement on...”
Haw. Rev. Stat. § 431:13-103(a)(7)(B) (Unfair Discrimination)
“Making or permitting any unfair discrimination in favor of particular individuals or persons, or between insureds or subjects of insurance having substantially like insuring, risk, and exposure factors, or expense elements, in the terms or conditions of any insurance contract, or in the rate or...”
Haw. Rev. Stat. § 431:13-103(a)(1)(A) (Misrepresentation of policy benefits/terms)
“Misrepresents the benefits, advantages, conditions, or terms of any insurance policy;”
Haw. Rev. Stat. § 431:13-103(a)(7)(A) (Unfair Discrimination)
“unfair discrimination between individuals of the same class and equal expectation of life in the rates charged for any policy of life insurance or annuity contract or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of the contract;”
Haw. Rev. Stat. § 431:13-103(a)(4)(B) (Prohibited Tie-In Agreement)
“(B) Entering into any agreement on the condition, agreement, or understanding that a policy will not be issued or renewed unless the prospective insured contracts for another class or an additional policy of the same class of insurance with the same insurer;”
Haw. Rev. Stat. § 431:13-103(a)(4)(B) (Boycott, Coercion, and Intimidation: Tie-In)
“Entering into any agreement on the condition, agreement, or understanding that a policy will not be issued or renewed unless the prospective insured contracts for another class or an additional policy of the same class of insurance with the same insurer;”
Haw. Rev. Stat. § 431:13-103(a)(1)(J) (Capital Advertising)
“Publishes or advertises the capital of any insurer without stating specifically the amount of paid-in and subscribed capital;”
Haw. Rev. Stat. § 431:13-103(a)(3) (Defamation)
“Making, publishing, disseminating, or circulating, directly or indirectly, or aiding, abetting, or encouraging the making, publishing, disseminating, or circulating of any oral or written statement or any pamphlet, circular, article, or literature which is false, or maliciously critical of or...”
Haw. Rev. Stat. § 431:13-103(a)(5)(B) (False Financial Statements)
“Knowingly making any false entry of a material fact in any book, report, or statement of any insurer with intent to deceive any agent or examiner lawfully appointed to examine into its condition or into any of its affairs, or any public official to whom the insurer is required by law to report, or...”
Haw. Rev. Stat. § 431:13-103(a)(6) (Stock Operations and Advisory Board Contracts)
“agency company stock or other capital stock, or benefit certificates or shares in any common-law corporation, or securities or any special or advisory board contracts or other contracts of any kind promising returns and profits as an inducement to insurance;”
Haw. Rev. Stat. § 431:13-103(a)(1) (misrepresentations and false advertising of insurance policies), subparagraph (I)
“(a) The following are defined as unfair methods of competition and unfair or deceptive acts or practices in the business of insurance: (1) Misrepresentations and false advertising of insurance policies. Making, issuing, circulating, or causing to be made, issued, or circulated, any estimate,...”

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