Regulation · Hawaii

Hawaii Administrative Rules Title 16 Chapter 171, Subchapter 6, Military Sales Practices, HAR 16-171-601 to 16-171-606 (REGULATIONS, not HRS)

Publisher: Hawaii Department of Commerce and Consumer Affairs, Insurance Division
Edition: Amendment and compilation of chapter 16-171 dated September 30, 2021
Last checked: 2026-09-02
Status: Hawaii Administrative Rules, Insurance Division, public domain

Edition and licensing notes

Edition. Amendment and compilation of chapter 16-171 dated September 30, 2021; adopted September 30, 2021; filed December 13, 2021; effective January 1, 2022 (taken from the rule's own filing page)

Status. Hawaii Administrative Rules, Insurance Division, public domain.

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What this document is

Hawaii Administrative Rules Title 16 Chapter 171, Subchapter 6, Military Sales Practices, HAR 16-171-601 to 16-171-606 (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

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Hawaii Administrative Rules ch. 16-171 § 16-171-605(a)(1) (Practices Declared Unfair Regardless of Location: Allotments)
“Submitting, processing or assisting in the submission or processing of any allotment form or similar device used by the United States Armed Forces to direct a service member's pay to a third party for the purchase of life insurance. The foregoing includes, but is not limited to, using or assisting...”
Hawaii Administrative Rules ch. 16-171 § 16-171-604(a)(1) (Practices Declared Unfair on a Military Installation: Door to Door Solicitation)
“Knowingly soliciting the purchase of any life insurance product "door to door" or without first establishing a specific appointment for each meeting with the prospective purchaser;”
Hawaii Administrative Rules ch. 16-171 § 16-171-605(e)(1) (Practices Regarding Disclosure: Lead Generating Materials)
“Deploying, using, or contracting for any lead generating materials designed exclusively for use with service members that do not clearly and conspicuously disclose that the recipient will be contacted by an insurer or insurance producer, if that is the case, for the purpose of soliciting the purchase of life insurance;”
Hawaii Administrative Rules ch. 16-171 § 16-171-603(b)(9) (Scope and Exemptions: Marketing Channels and Face to Face Meetings)
“For purposes of this regulation, general advertisements, direct mail and internet marketing shall not constitute "solicitation". Telephone marketing shall not constitute "solicitation" provided the caller explicitly and conspicuously discloses that the product concerned involves life insurance or...”
Hawaii Administrative Rules ch. 16-171 § 16-171-605(b)(1) (Practices declared unfair regardless of location; titles suggesting military affiliation)
“The following acts or practices by an insurer or insurance producer lead to confusion regarding source, sponsorship, approval, or affiliation and are declared to be false, misleading, deceptive, or unfair. They include, but are not limited to: (1) Making any representation, or using any device,...”
Hawaii Administrative Rules ch. 16-171 § 16-171-605(f)(2) (Practices declared unfair regardless of location; side fund products sold to junior enlisted members)
“Offering for sale or selling a life insurance product which includes a side fund to a service member in pay grades E-4 and below, who is currently enrolled in SGLI, is presumed unsuitable, unless, after the completion of a needs assessment, the insurer demonstrates that the applicant's SGLI death...”
Hawaii Administrative Rules ch. 16-171 § 16-171-605(f)(5) (Practices declared unfair regardless of location; war related exclusions)
“Selling any life insurance product to an individual known to be a service member that excludes coverage if the insured's death is related to war, declared or undeclared, or any act related to military service except for an accidental death coverage, for example, double indemnity, which may be excluded.”
Haw. Admin. R. § 16-171-605(f)(5) (Hawaii Administrative Rules Title 16 Chapter 171, Subchapter 6, Military Sales Practices)
“(f) The following acts or practices by an insurer or insurance producer with respect to the sale of certain life insurance products are declared to be false, misleading, deceptive, or unfair. They include, but are not limited to: (1) Excluding individually issued annuities, recommending the...”
Haw. Admin. R. s. 16-171-604(a)(5) to (a)(7) (Practices declared unfair on a military installation)
“(5) Soliciting the sale of life insurance without first obtaining permission from the installation commander or the commander's designee; (6) Posting unauthorized bulletins, notices, or advertisements; (7) Failing to present DD Form 2885, Personal Commercial Solicitation Evaluation, to service...”

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Hawaii Administrative Rules Title 16 Chapter 171, Subchapter 6, Military Sales Practices, HAR 16-171-601 to 16-171-606 (REGULATIONS, not HRS) is a regulation published by Hawaii Department of Commerce and Consumer Affairs, Insurance Division. Edition: Amendment and compilation of chapter 16-171 dated September 30, 2021; adopted September 30, 2021; filed December 13, 2021; effective January 1, 2022 (taken from the rule's own filing page).

No. This page summarizes the document and links to the official version. Always rely on the text published by Hawaii Department of Commerce and Consumer Affairs, Insurance Division for the current law.

Practice questions for Hawaii Life & Health cite this document.

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