How To Become An Insurance Agent In Hawaii
Getting your insurance license is the first step to becoming an insurance agent in Hawaii. Life insurance, car insurance, home insurance, or business insurance all require a license to sell in any state.
Follow our step-by-step guide to get your insurance license in Hawaii.
How To Get Your Insurance License In Hawaii
Step 1. Which Types of Insurance Licenses Do You Need?
Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get.
These are examples of the types of insurance policies you can sell with each type of license:
- Property & Casualty Insurance License – Car Insurance, Home Insurance, Business Insurance, etc…
- Life & Health Insurance License – Life Insurance, Annuities, Health Insurance, etc…
Most insurance agents choose to get both of these licenses, but if you will only sell one type of policy then you just need to choose which license fits your needs.
Step 2. Insurance Pre-Exam Education
After you’ve determined which licenses you need, it’s time to begin studying for the Hawaii insurance exams.
Texas does not require you to take a certain amount of pre-license credits before testing. This means that studying for your exam is 100% up to you.
Most folks choose to take an insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. Others purchase books or other self-study tools to prepare themselves.
It’s wise to take a week or so to dedicate to your study of this exam. If you don’t feel as though you’re a strong test taker, take a little longer, but don’t let it drag out for long. We want you to pass your test the first time you take it, and we know that you can do it.
Step 3. Hawaii Insurance License Exams
The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each line of insurance you wish to carry.
Pearson Vue offers what is called “back-to-back” exams in Hawaii. This means that you can take the Property and the Casualty exams on the same day, and only pay for one of them. This is also the case with the Life and Accident and Health exams.
This is a proctored test, which means that you will be in a controlled environment with a person watching over you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.
The fee for each attempt of the exams is $75. When you show up you must have a photo ID any other documents that the testing facility has asked you to bring.
All of the exams are comprised of around ninety (80) questions (some a few more, some a few less), and are split into two sections: General Knowledge, and State Specific.
Pearson Vue also allows “partial pass” in Hawaii. This means that if you pass one section of an exam, but not the other, you will not have to retake the already passed section when testing again.
To explain the scoring of the exams, we will quote the Pearson Vue Hawaii Insurance Licensing Candidate Handbook:
The passing score of an examination was set by the Hawaii Department of Commerce and Consumer Affairs (in conjunction with Pearson VUE) after a comprehensive study was completed for each examination. Raw scores are converted into scaled scores. To avoid misuse of score information, numeric scores are only reported to failing candidates. The scaled score that is reported to you is neither the number of questions you answered correctly nor the percentage of questions you answered correctly. With a passing score of 70, any score below 70 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctlyPearson Vue
Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.
Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.
Note: StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.
You may register to take your exams and find more information on the Pearson Vue Hawaii Insurance Exam page.
Step 4. Fingerprinting And Background Check
The State of Hawaii requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. For more information on this topic, call the Hawaii Department of Insurance at (808) 586-2790 or email the Insurance Department.
You must schedule your fingerprinting appointment with Fieldprint Hawaii. Tell them that you are getting your fingerprints for a Hawaii insurance license. The fingerprint is HI-DCCA-INS.
The fee for the fingerprinting is $67. When completed, they will send the results directly to the Insurance Department.
Step 5. License Application
Once you have completed your exams and fingerprinting, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.
The fee for an online application depends on your date of birth and when the Hawaii Department of Insurance receives your complete application. Refer to the 2019 Hawaii Fee Schedule for Producer.
If you have questions about how long your first license period will be, call the Hawaii Department of Insurance at (808) 586-2790 or email the Insurance Department.
Fill out and submit your online application on the NIPR Hawaii website.
Note: You may need to wait up to three (3) business days after passing the exams to apply for the license depending on when NIPR receives the results of your exam.
Step 6. Application Review
Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.
If everything is to acceptable standards your license should be issued quickly. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.
After submitting the application, and the background check information comes back, your license should be issued between one to three (1-3) business days. After the license is issued, the insurance department will mail you a hard copy of the license.
If you want to look up your license number prior to receiving it in the mail, you may do so with the Hawaii Insurance License Search Tool.
You’ve done the work, put in the time and effort, and now hold the key to your own success! We’re proud of you. Take five (5) minutes and celebrate.
After Licensing, What's Next?
Now that you have your license, use the StateRequirement Job Board to find the opening to your new career.
Hawaii Department Of Insurance Contact Information
Hawaii Insurance Division
P.O. Box 3614
Honolulu, Hawaii 96811
Phone: (808) 586-2790
Fax: (808) 586-2806
Email: [email protected]
Information on this page has been gathered by a multitude of sources and was most recently updated in March 2020.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. For more information, please contact your state's authority on insurance. Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.