Hawaii Administrative Rules Title 16 Chapter 18, Hawaii Life and Disability Insurance Guaranty Association Summary Document, Disclaimer and Written Notice, HAR 16-18-1 to 16-18-4 with Exhibits A and B (REGULATIONS, not HRS)

What this document is

Hawaii Administrative Rules Title 16 Chapter 18, Hawaii Life and Disability Insurance Guaranty Association Summary Document, Disclaimer and Written Notice, HAR 16-18-1 to 16-18-4 with Exhibits A and B (REGULATIONS, not HRS) is a regulation published by Hawaii Department of Commerce and Consumer Affairs, Insurance Division. It is one of the Hawaii documents that insurance license exam questions are written from, including hawaii life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Hawaii Administrative Rules ch. 16-18 § 16-18-3(a) (Disclaimer; Prescribed Contents)

  “Insurance companies and their agents are required by law to give or send you this notice. However, insurance companies and their agents are prohibited by law from using the existence of the Hawaii Life and Disability Insurance Guaranty Association to induce you to purchase any kind of insurance policy.”

• Hawaii Administrative Rules ch. 16-18 § 16-18-3(b) (Disclaimer; Placement and Wording)

  “This disclaimer shall be stamped or written conspicuously upon the first page of the summary document described in section 431:16-218. The wording of the disclaimer shall be identical to that prescribed by the commissioner in Exhibit A, dated September 1991, located at the end of this chapter and...”

• Hawaii Administrative Rules ch. 16-18 § 16-18-2(a) (Summary Document; Commissioner Approval)

  “The Hawaii Life and Disability Insurance Guaranty Association (Guaranty Association) shall submit the summary document to the commissioner for approval before the document may be delivered to policyholders. Upon receiving approval from the commissioner, the Guaranty Association shall notify all its...”

• Hawaii Administrative Rules ch. 16-18 § 16-18-2(c) (Summary Document; Delivery and Separate Document)

  “The insurance company or insurance agent shall deliver the summary document to the policyholder or certificate holder at the time of delivery of the insurance policy unless section 431:16-203(b)(2)(A) applies. The summary document shall be a separate document from the policy and shall not be...”

• Hawaii Administrative Rules ch. 16-18 § 16-18-4(b) (Written Notice; Contents)

  “The notice shall include the name and address of the insurance company issuing the policy. The insurance company may print the notice on their own letterhead.”

• Hawaii Administrative Rules ch. 16-18 § 16-18-3(c) (Disclaimer; permitted additional contents)

  “The disclaimer may include the name and address of the insurance company issuing the policy and the name and address of the insurance agent who procured the policy.”

• Haw. Admin. R. s. 16-18-4(c) and (d) (Written notice; delivery and availability of the summary document)

  “(c)The notice shall be delivered by the insurance company or agent prior to or at the time of delivery of the policy to the policyholder or to the certificate holder. The notice shall be a separate document from the policy and should not be attached to or made a part of the policy. (d)The summary...”

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More Hawaii sources

• Hawaii Revised Statutes § 431:13-103 - Unfair methods of competition and unfair or deceptive acts or practices definedState statute
• Hawaii Administrative Rules Title 16 Chapter 6, Credit Life and Credit Disability Insurance, HAR 16-6-1 to 16-6-16 (REGULATIONS, not HRS)Regulation
• Hawaii Administrative Rules Title 16 Chapter 171, Subchapter 4 (2001 CSO Mortality Table), Subchapter 5 (Preferred Mortality Tables) and Subchapter 9 (Valuation of Life Insurance Policies), HAR 16-171-401 to 16-171-405, 16-171-501 to 16-171-504, 16-171-901 to 16-171-906 (REGULATIONS, not HRS)Regulation
• Hawaii Administrative Rules Title 16 Chapter 12, Medicare Supplement Insurance Minimum Standards, HAR 16-12-1 to 16-12-13 (REGULATIONS, not HRS)Regulation
• Hawaii Administrative Rules Title 16 Chapter 171, Subchapter 6, Military Sales Practices, HAR 16-171-601 to 16-171-606 (REGULATIONS, not HRS)Regulation
• Hawaii Administrative Rules Title 16 Chapter 171 (Miscellaneous Insurance Rules), Subchapter 1 General Provisions and Subchapter 3 Licensing Requirements, HAR 16-171-101 to 16-171-103 and 16-171-301 to 16-171-324 (REGULATIONS, not HRS)Regulation
• Hawaii Insurance Content OutlinesCandidate handbook or exam outline
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