How to Obtain Your Insurance License in Hawaii
The state of Hawaii has no formal pre-licensing education requirement however it is recommended as the prelicensing course is designed to prepare candidates for the State Licensing Examination.
1. Complete the Pre-Licensing Course.
- Life Only
- Accident & Health Only
- Casualty
- Property
- Personal lines
Course Requirements:
- This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
- Assessments on key topics throughout the course must be successfully passed with a minimum score of 70% before moving onto the next chapter.
2. Schedule the Hawaii State Examination.
- Registration must be completed online on Pearson Vue website: www.pearsonvue.com/hi/insurance
- Exam fee: $75 (Candidates may take up to TWO examinations during one exam session)
- OnVUE fee: $75 (Exams cannot be combined)
Limitation on Repeat Examinations:
- There are no limitations on retaking the exam.
- Candidates must wait at least twenty-four (24) hours before contacting Pearson VUE to make a reservation to retake an examination.
Online Proctored Exams:
- You must check the compatibility of your computer before registering for the exam. https://home.pearsonvue.com/hi/insurance/onvue
- If your computer is not compatible with the online software, you will need to schedule your examination at a Pearson Vue test center.
- Candidates who take an online proctored exam and do not pass must wait 2 weeks to retest for that exam on OnVUE if this is their first time taking the exam using this method. Any additional OnVUE retests after the first OnVUE retest will require the candidate to wait 4 weeks after each subsequent not pass result.
3. Schedule your Fingerprint Appointment:
- Schedule your fingerprint appointment online at http://www.fieldprintshawaii.com.
- Use code: HI-DCCA-INS which identifies the Insurance Division
- Fingerprint Fee: $8.95 plus tax and fees
4. Pass the State Exam
- Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period.
- Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
- Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind.”
- On the day of testing, you must present two (2) forms of identification bearing your signature, one of which must be a valid government issued photo id.
5. Apply for your License
- Submit license application electronically through NIPR – https://nipr.com/
- Application fee – 2021 Fee Schedule
- NIPR verifies exams prior to allowing submission of an application.
Exam Outlines
DESCRIPTION | Question Count | % of Exam Questions | ||
Life | Health | Life | Health | |
Life Insurance | ||||
Types of Policies and Features | 12 | 0 | 14% | 0% |
Policy Riders, Provisions, Options, and Exclusions | 18 | 0 | 21% | 0% |
Completing the Application, Underwriting, and Delivering the Policies | 12 | 0 | 14% | 0% |
Taxes, Retirement, and Other Insurance Concepts | 8 | 0 | 9% | 0% |
Health Insurance | ||||
Types of Policies | 0 | 14 | 0% | 16% |
Policy Provisions, Clauses, and Riders | 0 | 20 | 0% | 24% |
Social Insurance | 0 | 3 | 0% | 4% |
Other Insurance Concepts | 0 | 4 | 0% | 5% |
Field Underwriting Procedures | 0 | 9 | 0% | 11% |
Hawaii Laws and Rules | ||||
Hawaii Statutes, Rules and Regulations Common to All Lines | 23 | 23 | 27% | 27% |
Hawaii Statutes, Rules and Regulations Pertinent to Life Insurance | 12 | 0 | 14% | 0% |
Hawaii Statutes, Rules and Regulations Pertinent to Sickness and Accident Insurance | 0 | 12 | 0% | 14% |
Total for all parts | ||||
Total Scored Questions on Exam | 85 | 85 | 0 | 0 |
Maximum Time allowed to complete exam in minutes | 120 | 120 | ||
Passing Score | 70 | 70 |
DESCRIPTION | Question Count | % of Exam Questions | ||
Casualty | Property | Casualty | Property | |
Casualty Insurance | ||||
Types of Policies, Bonds, and Related Terms | 25 | 0 | 27% | 0% |
Insurance Terms and Related Concepts | 14 | 0 | 15% | 0% |
Policy Provisions | 11 | 0 | 12% | 0% |
Property Insurance | ||||
Types of Property Policies | 0 | 25 | 0% | 30% |
Insurance Terms and Related Concepts | 0 | 14 | 0% | 17% |
Policy Provisions and Contract Law | 0 | 11 | 0% | 13% |
Hawaii Laws and Rules | ||||
Hawaii Statutes, Rules, and Regulations Common to All Lines | 23 | 23 | 25% | 28% |
Hawaii Statutes, Rules and Regulations Pertinent to Casualty Insurance | 16 | 0 | 18% | 0% |
Hawaii Statutes, Rules and Regulations Pertinent to Property Insurance | 0 | 6 | 0% | 7% |
Hawaii Statutes, Rules and Regulations Pertinent to P&C Insurance | 2 | 4 | 2% | 5% |
Total for all parts | ||||
Total Scored Questions on Exam | 91 | 83 | ||
Maximum Time allowed to complete exam in minutes | 135 | 120 | ||
Passing Score | 70 | 70 |
DESCRIPTION | Question Count | % of Exam Questions |
Personal Lines Insurance | ||
Types of Property Policies | 10 | 9% |
Types of Casualty Policies | 13 | 11% |
Property and Casualty Insurance Terms and Related Concepts | 28 | 24% |
Property and Casualty Policy Provisions and Contract Law | 24 | 21% |
Hawaii Laws and Rules | ||
Hawaii Laws and Rules Common to All Lines | 23 | 20% |
Hawaii Laws and Rules Pertinent to Property, Casualty and Personal Lines Insurance Only | 2 | 2% |
Hawaii Laws and Rules Pertinent to Property Insurance Only | 5 | 4% |
Hawaii Laws and Rules Pertinent to Casualty Insurance Only | 11 | 9% |
Total for all parts | ||
Total Scored Questions on Exam | 116 | |
Maximum Time allowed to complete exam in minutes | 150 | |
Passing Score | 70 |
Producer Licensing Checklist:
Task: | Date Completed |
1. Complete prelicensing course | |
2. Register for exam | |
3. Schedule Fingerprints | |
4. Pass exam | |
5. Apply for License |
Governing Agency
Name: Hawaii Department of Commerce and Consumer Affairs Insurance Division
Phone: 808-586-2788
Email: http://cca.hawaii.gov/ins/
Address: 335 Merchant Street, Room 123 Honolulu, HI 96813
Hawaii Insurance License Renewal and Compliance Requirements
XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.
License Renewal Timelines
Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years.
- On-going renewal periods are the last day of the agent’s birth month, and odd/even year of birth every two (2) years thereafter every two (2) years thereafter.
Continuing education requirements must be met before submitting the license renewal application.
Complete Required Continuing Education
Requirements per License
Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 3 of which must be approved as ethics or Hawaii Law and Rules, before submitting their renewal application.
Specific Product Training Requirements
The Hawaii Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products.
Annuity Best Training Requirements
- Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Best Interest course before selling, soliciting, or negotiating annuity products.
- Annuity course credits count towards the agent's 24-hour CE requirement.
- Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Hawaii.
Long-Term Care Training Requirements
- Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity course before selling, soliciting, or negotiating annuity products in effect January 1st, 2023.
- Annuity course credits count towards the agent's 24-hour CE requirement.
- Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Hawaii.
Flood Insurance (NFIP) Training Requirements
- Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance.
- The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement.
Course Requirements
- Licensees can use independent self-study courses to fill all requirements.
- Licensees must take courses in which the licensed is held.
- Self-study exams are closed book and require a monitor/proctor.
- Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles.
- Excess credits hours earned in the previous biennial renewal period cannot be carried over to the next reporting period.
Reporting to your State
- Students must provide their National Producer Number (NPN) to report on course completion.
- No Fee per credit hour is required to report course completions to your state.
- Course completions are reported within one business day.
Renew your License
Resident and nonresident license renewal applications are processed through NIPR. A $100 renewal fee is required. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.
Helpful Resources
Hawaii Division of Insurance
https://cca.hawaii.gov/ins/
Phone: 808-586-2788
Email: InsLic@dcca.hawaii.gov
Address: PO Box 3614, Honolulu, HI 96813-3614