Hawaii Insurance License Exam

Written by: Ethan Peyton

Cartoon woman holding Hawaii Insurance License Exam document

    Passing your Hawaii insurance license exam is a pivotal part of becoming a licensed insurance agent in the state of Hawaii.

    In this guide, we’ll break down the general information that you need to know in order to pass your exam, outline the differences between each examination line, and offer tips on both: how to prepare for your Hawaii insurance licensing exam, and on what to do after you pass.

     

    Hawaii Insurance Exam Basics

    General Information

    The State of Hawaii uses Pearson VUE to administer its insurance agent licensing. This means you can register and book all of your licensing examinations through the Pearson VUE website. Your test can be carried out online or in person.

    Each major insurance line examination includes both general and state-specific material.

    The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions test you on the Hawaii insurance regulations and laws that you will need to know in order to operate as an insurance agent.

    Score Explanation

    When you complete your insurance exam(s), you will receive a score report with a “pass” or “fail” comment.

    If you pass, your score report will include information relating to how you can go about applying for your insurance license.

    If you fail, your score report will include a numerical score, diagnostic information relating to the general part of your exam, and information on how to retake your exam.

    Note: You will need to wait at least 24 hours before attempting to re-register for an examination.

     

    Cost

    Your Hawaii insurance license exam cost will depend on the type and number of examinations that you take:

    Examination

    Cost 

    Time Allowed

    Life Producer

    $75

    120 Minutes

    Accident & Health and Sickness 

    $75

    120 Minutes

    Property Producer

    $75

    120 Minutes

    Casualty Producer

    $75

    135 Minutes

    Note: You should focus on one exam at a time. This will likely increase the amount of time and effort you can allocate to each examination and should allow you to feel more prepared when you sit your exam.

    Recommended Pre-License Course

    Before taking your insurance exam, we recommend completing a pre-license education course. This is not a requirement in the state of Hawaii, but it can go a long way in helping you get accustomed to the information that you will need to know.
    4.7 out of 5 starsKaplan Education Company

     

    Hawaii Life and Health Insurance Exam

    Below you can find the content outline offered by Pearson VUE.

    We recommend using it as a checklist when working through your pre-license education course. This way, you’ll be absolutely sure that you haven’t missed any topic that you will be tested on later on.

    Life General Knowledge Content Outline

    50 scorable questions plus 5 pretest questions.

    I. Types of Life Policies and Features

    A. Traditional whole life products
    B. Interest/market-sensitive/adjustable life products
    C. Term life
    D. Annuities
    E. Combination plans and variations

     

    II. Life Provisions, Options, and Exclusions

    A. Policy Riders
    B. Policy Provisions and Options
    C. Policy Exclusions

     

    III. Completing the Life Application, Underwriting, and Delivering the Policies

    A. Completing the Application
    B. Underwriting
    C. Delivering the Policy
    D. Contract Law

     

    IV. Retirement and Other Life Insurance Concepts

    A. Third-Party Ownership
    B. Life Settlements
    C. Group Life Insurance
    D. Retirement Plans
    E. Life Insurance Needs Analysis/Suitability
    F. Social Security Benefits
    G. Tax Treatment of Insurance Premiums, Proceeds, and Dividends

     

    Life Hawaii Specific Content Outline

    50 scorable questions plus 6 pretest questions.

    I. Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance

    A. Insurance Commissioner
    B. Definitions
    C. Licensing
    D. Marketing practices
    E. Guaranty Associations

     

    II. Hawaii Laws and Rules Pertinent to Life Insurance Only

    A. Marketing methods and practices
    B. Variable Contracts
    C. Policy Clauses and Provisions
    D. Group Life
    E. Participation in Surplus
    F. Credit Life

     

    Accident and Health General Knowledge Content Outline

    50 scorable questions, plus 5 pretest questions.

    I. Types of Health Policies

    A. Disability income
    B. Accidental death and dismemberment
    C. Medical expense insurance
    D. Medicare supplement policies
    E. Group insurance
    F. Individual/Group Long Term Care (LTC)
    G. Other policies

     

    II. Policy Provisions, Clauses, and Riders

    A. Mandatory and optional provisions
    B. Other provisions and clauses
    C. Riders
    D. Rights of renewability

     

    III. Social Insurance

    A. Medicare (Parts A, B, C, D)
    B. Medicaid
    C. Social Security Benefits

     

    IV. Other Insurance Concepts

    A. Total, Partial, Recurrent, and Residual Disability
    B. Owner’s Rights
    C. Dependent Children Benefits
    D. Primary and Contingent Beneficiaries
    E. Modes of Premium Payments
    F. Nonduplication and Coordination of Benefits (e.g., primary vs. excess)
    G. Occupational vs. Non-occupational
    H. Tax Treatment of Premiums and Proceeds of Insurance Contracts (e.g., disability income and medical expenses, etc.)
    I. Managed Care
    J. Workers Compensation
    K. Subrogation

     

    V. Field Underwriting Procedures

    A. Completing the Application
    B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    D. Submitting application (and initial premium if collected) to company for underwriting
    E. Policy Delivery
    F. Explaining Policy and its Provisions, Riders, Exclusions, and Ratings to Clients
    G. Replacement
    H. Contract Law

     

    Accident and Health Hawaii Specific Content Outline

    35 scorable questions, plus 5 pretest questions.

    I. Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance

    A. Insurance Commissioner
    B. Definitions
    C. Licensing
    D. Marketing practices
    E. Guaranty Associations

     

    II. Hawaii Laws and Rules Pertinent to Accident and Health Insurance Only

    A. Marketing methods and practices
    B. Policy clauses and provisions
    C. Long Term Care

     

    We recommend reading our in-depth How to Pass the Life Insurance Exam guide for a better overview.

     

    Hawaii Property and Casualty License Exam

    Below you can find the content outline offered by Pearson VUE. 

    You should use this outline as a checklist when working through your pre-license education course in order to ensure that you haven’t missed any topic that you will be tested on later on.

    Property General Knowledge Content Outline

    50 scorable questions, plus 5 pretest questions.

    I. Types of Policies 

    A. Homeowners
    B. Dwelling Policies
    C. Commercial Lines
    D. Inland Marine
    E. National Flood Insurance Program
    F. Others

     

    II. Insurance Terms and Related Concepts

    A. Insurance
    B. Insurable Interest
    C. Risk
    D. Hazards
    E. Peril
    F. Loss
    G. Loss Valuation
    H. Proximate Cause
    I. Deductible
    J. Indemnity
    K. Limits of Liability
    L. Coinsurance/Insurance to Value
    M. Occurrence
    N. Cancellation
    O. Nonrenewal
    P. Vacancy and Inoccupancy
    Q. Liability
    R. Negligence
    S. Binders
    T. Endorsements
    U. Blanket vs. Specific

     

    III. Property Policy Provisions and Contract Law

    A. Declarations
    B. Insuring Agreement
    C. Conditions
    D. Exclusions
    E. Definition of the Insured
    F. Duties of the Insured
    G. Obligations of the Insurance Company
    H. Mortgagee Rights
    I. Proof of Loss
    J. Notice of Claim
    K. Appraisal
    L. Other insurance Provision
    M. Subrogation
    N. Elements of a contract
    O. Warranties, representations, and concealment
    P. Sources of underwriting information
    Q. Fair Credit Reporting Act
    R. Privacy Protection (Gramm Leach Bliley)
    S. Policy Application
    T. Terrorism Risk Insurance Act (TRIA)
    U. Territory

     

    Property Hawaii Specific Content Outline

    33 scorable answers plus 5 pretest questions.

    I. Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance 

    A. Insurance Commissioner
    B. Definitions
    C. Licensing
    D. Marketing practices
    E. Guaranty Association

     

    II. Hawaii Laws and Rules Common to Property and Casualty Insurance Only

    A. Adjuster
    B. Unauthorized Insurers
    C. Casualty, Surety, Property, Marine, and Transportation Rate Regulation

     

    III. Hawaii Laws and Rules Pertinent To Property Insurance Only

    A. Definitions
    B. Standard Form Fire Policy
    C. Overinsurance
    D. Hawaii Property Insurance Association (HPIA)

     

    Casualty General Knowledge Content Outline

    50 scorable answers plus 5 pretest questions.

    I. Types of Casualty Policies, Bonds, and Related Terms

    A. Commercial general liability
    B. Automobile: personal auto and business auto
    C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues
    D. Crime
    E. Bonds
    F. Professional liability
    G. Umbrella/Excess Liability
    H. Business Owners Policy (BOP)

     

    II. Insurance Terms and Related Concepts

    A. Risk
    B. Hazards
    C. Indemnity
    D. Insurable interest
    E. Loss Valuation
    F. Negligence
    G. Liability
    H. Occurrence
    I. Binders
    J. Warranties
    K. Representations
    L. Concealment
    M. Deposit Premium/Audit
    N. Certificate of Insurance
    O. Law of Large Numbers
    P. Pure vs. Speculative Risk
    Q. Endorsements
    R. Damages
    S. Compliance with Provisions of Fair Credit Reporting Act

     

    III. Policy Provisions

    A. Declarations
    B. Insuring agreement
    C. Conditions
    D. Exclusions and Limitations
    E. Definition of the Insured
    F. Duties of the Insured after a Loss
    G. Cancellation and Nonrenewal Provisions
    H. Supplementary Payments
    I. Proof of Loss
    J. Notice of Claim
    K. Other Insurance
    L. Subrogation
    M. Loss Settlement Provisions including Consent to Settle a Loss
    N. Terrorism Risk Insurance Act (TRIA)

     

    Casualty Hawaii Specific Content Outline

    41 scorable answers plus 7 pretest questions. 

    I. Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance

    A. Insurance Commissioner
    B. Definitions
    C. Licensing
    D. Marketing practices
    E. Guaranty Association

     

    II. Hawaii Laws and Rules Common to Property and Casualty Insurance Only

    A. Adjuster
    B. Unauthorized Insurers
    C. Casualty, Surety, Property, Marine, and Transportation Rate Regulation

     

    III. Hawaii Laws and Rules Pertinent to Casualty Insurance Only

    A. Definition of Casualty Insurance
    B. Hawaii Motor Vehicle Insurance Law
    C. Financial Responsibility
    D. Uninsured and Underinsured Motorists
    E. Motorcycle and motor scooter insurance
    F. Worker’s Compensation

    We recommend reading our Property and Casualty Insurance exam article for a more in-depth overview.

     

    How to Pass the Hawaii Insurance Exam

    Passing your Hawaii insurance exam ultimately comes down to your mindset and degree of preparation.

    We have composed a few helpful exam tips and tricks that should help you perform as well as you can during your exam day.

    Get a Pre-License Course

    Even though this is not a requirement in the state of Hawaii, getting a pre-license course can be incredibly beneficial. These courses can help you get accustomed to the extensive amount of content that you will have to memorize.

    We recommend Kaplan’s course because it offers a variety of helpful features, including:

    • Online exam simulations
    • Live online training
    • Printable study guides
    • End of chapter reviews

    For more information, we recommend reading our Kaplan Insurance Course Review.

     

    Make Enough Time to Study

    Not leaving enough time to prepare is one of the easiest ways to ensure that you do not pass your exam on your first attempt.

    Remember, there are zero questions on your exam that are based on common sense or critical thinking. All questions are purely factual, and so will relate to how well you understand and remember the content that you have learned.

    We recommend allocating around one to two weeks to prepare for your exam, as this should allow you to go through all of the material at least twice.

     

    Control Test Anxiety

    Even though you cannot control whether you get exam anxiety or not, you can take a few steps when preparing to limit its effect on your performance:

    • Establish a consistent pretest routine — Acclimate yourself to exam conditions by following a specific routine on each practice exam at home. This should help you feel less anxious during your exam day.
    • Get plenty of sleep — Lack of sleep can exacerbate your anxiety and increase your self-doubt. Make sure you are consistently getting a good night’s sleep in the week leading up to your exam.
    • Study effectively — This sounds obvious, but make sure you are actually tailoring your studying to the exam that you are taking. Remember, there are no critical thinking or common sense questions involved.
    • Arrive early — If you are planning to sit your exam in person, we recommend you arrive at least 30 minutes before it’s due to start in order to get used to your surroundings and have time to check in with your center’s administrator.

    For a more in-depth overview of how you can prepare for your Hawaii insurance exam, we recommend reading our How to Pass the Insurance Exam article.

     

    Getting Your Hawaii Insurance License

    Your next steps will depend on whether you actually passed your exam, as well as on whether you plan to get licensed for any additional lines.

    You can apply for your license up to 12 months after you complete your exam, so if you would like to attempt passing additional insurance line exams before filing your licensing application with the Hawaii DCCA, you are free to do that.

    After you have passed your insurance licensing exam, you will need to:

    • Complete a fingerprint and background check
    • File your licensing application
    • Wait for your application to be reviewed

    Have a look at our How to Become an Insurance Agent in Hawaii review for more information on all the steps that you will need to take after passing your insurance exam.




    Hawaii Insurance Exams FAQ

    How often do I have to renew my license?

    You will need to renew your license every two years in order to continue operating legitimately as an insurance agent in Hawaii.

    For more information, see our guide on How to Renew Your Insurance License in Hawaii.

     

    How long is the Hawaii insurance exam?

    This will depend on the exam that you are taking. Candidates sitting the Life producer exam, for example, will have two hours to complete it. The Property producer exam, on the other hand, is a bit longer (135 minutes).

     

    How many times can you take the Hawaii insurance exam?

    In Hawaii, candidates can retake an insurance exam two weeks after failing their first OnVUE online exam.

    Any additional resits after this will require a four week waiting period. If you take your exam in a test center and receive a failing grade, you must wait at least 24 hours before attempting to re-register.

     

    How many questions are on the Hawaii insurance exam?

    This will depend on the insurance exam that you are taking. The Life and Accident & Health exams are made up of 85 questions each (50 general knowledge questions and 35 state-specific questions.).

    The Property insurance exam is made up of 83 questions (50 general knowledge questions and 33 state-specific questions.).

    Hawaii Department of Commerce and Consumer Affairs Contact Information

    Mailing Address:

    Hawaii Insurance Division
    P.O. Box 3614
    Honolulu, Hawaii 96811

    Phone: (808) 586-2790

    Fax: (808) 586-2806

    Email: insurance@dcca.hawaii.gov

    Website: http://cca.hawaii.gov/ins

    License Search: Hawaii Insurance License Search and Lookup




    Ready for more?


    Start Studying

    Learn More




    Information on this page has been gathered by a multitude of sources and was most recently updated in October 2022.

    Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

    When readers purchase services discussed on our site, we often earn affiliate commissions that support our work. Learn More