How To Become An Insurance Agent In Hawaii

Hawaii

What Kind Of Agent Are You Going To Be?

A majority of people who are applying for their insurance license have a plan in already in place of where they are going to use it. If you don't yet have a plan on how you will be using your insurance license, this is the place to start. Here are some of the questions that you should ask yourself:
  • What type of insurance am I going to sell?
  • Am I starting my own agency or working inside of an existing agency? 
    • It may depend on how your agency is set up to tell you what type of licenses you need to hold.
  • What types of licenses does my company require me to hold? 

How To Get Your Insurance License In Hawaii

Pre-Exam Education

The first step in getting a Hawaii insurance license is passing your license exam. So why do we say the first step is pre-license education? The answer is simple. We want you to pass your test the first time you take it. These courses or study materials are not a required step in getting your insurance license in Hawaii, but they are highly recommended.

Most applicants choose to take these courses online, as it fits their schedule better, but there are also in person courses available. You should choose which format in which to take your courses based on your preferred method of learning. The goal isn't just to get the courses out of the way, it's to prepare you to pass your license exam on the first attempt.

Recommended

For pre-license education products and courses, StateRequirement recommends:

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, that 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:

"SCORE REPORTING

Scaled Score

There are multiple versions of each of the licensing examinations. These versions are known as forms. Although all forms of an examination are developed based on the content outlines, the difficulty of the forms of an examination may vary slightly because different questions appear on each form. To ensure that no candidate is put at an unfair advantage or disadvantage due to the particular form of an examination that he or she is given, a statistical procedure known as equating is used to correct for differences in form difficulty.

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 75, any score below 75 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly."

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.

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 the 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.

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 is prorated (by year) depending on when your birthday falls compared to your date of application. If your license will be for two (2) years, then the fee will be $150, if it is for up to three (3) years, then the fee is $200.

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 your exams results.

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.

Congratulations!

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.

Hawaii Department Of Insurance Contact Information

Mailing Address:

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

Phone: 808-586-2790
Fax: 808-586-2806
Email: [email protected]
Website: http://cca.hawaii.gov/ins

Information on this page has been gathered by a multitude of sources and was most recently updated in November 2018.

Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. Huge Hammer LLC 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.