October 19, 2021

How to Get a Life Insurance License in Hawaii

Written by: Mary Gerardine

    Getting your Hawaii life insurance license is the first step toward becoming a life insurance agent. If you want to market and sell life insurance policies, follow this step-by-step guide for obtaining life insurance licensing in Hawaii.

    The Hawaii Department of Commerce and Consumer Affairs Insurance Division (DCCA Insurance Division) requires you to complete a five-step process to obtain your life insurance license — from taking the life insurance exam to applying for a license.

    These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.

     

     

    How To Get Your Hawaii Life Insurance License – Quick Version

    1. Complete a Hawaii Insurance Prelicense Course (ExamFX – $189+)
    2. Take the Hawaii Life Insurance Licensing Exam (Pearson VUE – $75)
    3. Get a Fingerprint-Based Background Check (Fieldprint Hawaii – $67)
    4. Complete a Hawaii Life Insurance License Application (National Insurance Producer Registry (NIPR) – application fee depends on your date of birth and when the DCCA Insurance Division receives your application)
    5. Watch for Your Application Results

     

     

    Steps To Get a Hawaii Life Insurance License

    Obtaining your Hawaii life insurance license isn’t difficult. Just follow these five steps to start your journey toward becoming a life insurance agent. Once you earn this license, check out our guide on how to get your Hawaii property and casualty (P&C) license as well.

     

    Step 1: Complete a Hawaii Insurance Prelicense Course

    Before you take the Hawaii life insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.

    While Hawaii doesn’t have any formal pre-license education requirements, most insurance professionals opt to take a pre-license education course online. Others purchase books or self-study materials to prepare themselves for the exam.

    A pre-license education course provides very specific industry knowledge that will be tested during the exam. There is very little information on the test that could be considered “common sense”. Prelicense education courses are self-paced and include study materials like practice exams and flashcards.

    Beyond helping you effectively prepare for and pass the life insurance licensing exam on your first try, taking a pre-license education course also will give you a solid understanding of your duties as a life insurance agent.

    Recommended Course

    For Hawaii insurance pre-license education courses and exam prep, StateRequirement recommends: ExamFX


    For 10% off, use code examfx@staterequirement.com at checkout! Visit ExamFX

     

    Step 2: Take the Hawaii Life Insurance Licensing Exam

    After you complete a prep course and your own independent studying, it’s time to take the Hawaii life insurance exam.

    Hawaii uses Pearson VUE as its official testing service for delivering licensure exams.

    The Hawaii life insurance exam outline contains a total of 85 scored questions that covers two sections: general and state-specific knowledge. The general section deals with basic life insurance product knowledge. The state-specific section covers insurance concepts and terms, rules, regulations, and practices specific to Hawaii.

    You’ll have 120 minutes to complete the examThe Hawaii life insurance exam fee is $75, which you must pay at the time of reservation by credit card, debit card, or voucher. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.

    Pearson VUE also allows Hawaii exam takers to earn a “partial pass” score. That means you don’t have to retake the full exam if you pass one section, but not the other. You only have to retake the section you failed on your previous attempt.

    Tip:

    Check out our in-depth insurance exam guide for tips to help you pass on the first attempt.

     

    Step 3: Get a Fingerprint-Based Background Check

    After you take the Hawaii life insurance exam, you must get a fingerprint-based background check from Fieldprint HawaiiThe fee for fingerprinting services is $67 to cover the cost of comparing your prints against criminal history records.

    Schedule your appointment with Fieldprint Hawaii, and then enter “HI-DCCA-INS” as the code to designate the DCCA Insurance Division as the recipient of your fingerprint results.

    Once complete, Fieldprint Hawaii will send your fingerprinting results directly to the DCCA Insurance Division.

     

    Step 4: Complete a Hawaii Life Insurance License Application

    Once you pass the life insurance exam and complete the background check, you can apply for your Hawaii life insurance license. The application fee depends on your date of birth and when the DCCA Insurance Division receives your completed application. 

    You must submit your application via the NIPR. For application fees, see the NIPR’s Hawaii Licensing Fees

    The DCCA Insurance Division will issue a life insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You must submit the completed license application and applicable licensing fee within 60 days of the date of fingerprinting.

    To apply for a life insurance license in Hawaii, make sure you comply with the insurance licensing requirements as defined under the Hawaii Insurance Code.

    Send any questions or supporting documents to insurance@dcca.hawaii.gov.

     

    Step 5: Watch for Your Application Results

    After you complete the previous four steps, the DCCA Insurance Division will review your application and background check. It reviews filings in the order it receives them, and this process usually takes three to 10 business days from the date you submit your application.

    You can print your license from the NIPR website or the Hawaii Insurance Licensee Services page. There’s no charge to create an account or print a license. If you need to search for and manage your license, you can find it by using Hawaii’s Insurance License Search tool.

     

    Congratulations!

    You’re now ready to get started as a life insurance agent in Hawaii.




    Next Steps After Securing Your Hawaii Life Insurance License

    Once you complete the above steps and have your Hawaii life insurance license, here’s what you should pursue next.

    Get Your FINRA Securities Licenses

    Overview

    Individuals planning to market and sell market-based life insurance products also must obtain the proper securities licenses. As a securities license holder, you can offer securities as part of your services. That’ll make you a credible authority in addressing all of your clients’ financial needs.

    To learn more, check out our Securities Licensing guide.

     

     

    SIE Exam

    To obtain these licenses, you’ll first need to take and pass the Securities Industry Essentials (SIE) exam. Professionals in the securities industry are required to take the SIE and a series of examinations administered by the Financial Industry Regulatory Authority (FINRA)

    The SIE exam ensures every life insurance professional has a basic understanding of securities. While taking the SIE exam isn’t a requirement for all insurance professionals, those who don’t obtain at least one securities license limit their ability to work with clients. With a securities license, you can give your clients the option to invest in securities-related products as part of their life insurance plans.

    Tip:

    To help you start preparing for the SIE exam, check out our full guide on How to Pass the SIE Exam.

    Obtaining a license to sell securities also requires sponsorship from a firm, company, or organization regulated by FINRA. The sponsor will pay the testing fees required for your SIE exams and submit your personal information to FINRA’s Central Registration Depository (CRD). The Series 6 and Series 7 licenses require a FINRA exam sponsorship before you can take the exam. The exam for a Series 63 license doesn’t require any sponsoring entity. 

    Once you get your securities license(s), FINRA will list you as a “registered representative.” By achieving the securities licensee designation, you’ll become a highly sought-after professional and set yourself up for a successful career in the insurance industry.

     

     

    Series 6, 7, and 63 Licenses

    Some of the most common securities licenses for insurance agents include the Series 6, 7, and 63 licenses because they allow licensees to sell almost every type of individual security.

    The Series 6 (Investment Company and Variable Contracts Products Representative) Securities License is the primary license sought by insurance sales professionals and financial advisors, allowing them to sell grouped securities related to insurance products. 

    Series 6 works together with Series 63 because they are the two partner licenses required to sell insurance policies tied to investments. The North American Securities Administrators Association (NASAA) oversees regulation of the Series 63 (Uniform Securities Agent State Law) license.

    The Series 7 license allows you to buy and sell securities (e.g., stocks, bonds, and mutual funds) as part of an investment plan for your clients. To get a Series 7 license, you will first need to register as a new candidate with FINRA and pass the Series 7 exam. The Series 7 exam is commonly known as the General Securities Representative Qualification Exam, but is sometimes referred to as the “Series 7 Top-Off Exam.”

     

     

    Get a Job in the Insurance Field

    Once you earn your license, you can start applying for jobs in the insurance field. With a life insurance license, you can provide advice and recommend insurance products to clients, sell life insurance policies that pay a beneficiary upon an insured person’s death, and sell annuities that pay a set income at retirement.

    Find life insurance job postings on our Insurance Jobs Board.

    When applying for an insurance-related job, potential employers will request your license number and National Producer Number (NPN).

     

    Complete Continuing Education and Renew Your License

    In Hawaii, you must take 21 hours of continuing education (CE) courses every two years to maintain your license in good standing for a life-only line of authority. Three of those 21 hours must focus on ethics and/or Hawaii insurance laws and rules. To find these courses, go to the DCCA Insurance Division’s CE Approved Courses Search portal. 

    If you have a non-resident license in good standing with your home state, you don’t need to take CE courses in Hawaii. You can’t renew your license until you complete your CE hours and pay any outstanding fines.

    In Hawaii, you also must renew and manage your life insurance license every two years. To avoid delays in renewing your license, you must complete the required CE hours at least 60 days before your license expires. Renew your license at the DCCA Insurance Division’s Insurance License Extension/Renewal portal. The renewal fee is $100.

    Learn how to renew your license with our Hawaii insurance license renewal guide.




    Hawaii Department of Commerce and Consumer Affairs Insurance Division Contact Information

    Mailing Address:

    Hawaii Department of Commerce and Consumer Affairs Insurance Division
    P.O. Box 3614
    Honolulu, HI 96811

    Phone: 808-586-2790

    Email: insurance@dcca.hawaii.gov 

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

    License Search: Hawaii Insurance License Search




    Hawaii Life Insurance License FAQ

    How much does it cost to get a life insurance license in Hawaii?

    Obtaining a life insurance license in Hawaii requires these fees: 

    • Insurance Prelicense Education Course Fee: $189+ via ExamFx
    • Exam Fee: $75 via Pearson VUE 
    • Fingerprint-Based Background Check Fee: $67 via Fieldprint Hawaii
    • Application Fee: This depends on your date of birth and when the DCCA Insurance Division receives your application via the NIPR

     

     

    How long does it take to process a life insurance license application in Hawaii?

    This process typically takes three to 10 business days. You’ll receive an email once the DCCA Insurance Division reviews your application.

     

     

    Can I get a temporary life insurance agent license in Hawaii?

    Yes. Hawaii provides a 180-day, temporary life insurance license. Hawaii requires a sponsor who is a licensed producer or insurer and who assumes responsibility for your actions as a temporary licensee. To apply for a temporary license, see initial license instructions at the DCCA Insurance Division.

     

     

    Can I get an emergency life insurance agent license in Hawaii?

    No. An emergency license isn’t available for life insurance agents in Hawaii.

     

     

    Do I need to get my securities license on top of a life insurance license in Hawaii?

    Probably. While you can sell certain basic life insurance products with just a life insurance license, a securities license removes the limits on what you can sell and puts you in a much better career position. As a securities license holder, you can provide your clients with products tied to the securities market as part of their retirement and life insurance plans. But, you’ll need FINRA accreditation to obtain your securities license.

     

     

    What can I sell with a life insurance license in Hawaii?

    With a Hawaii life insurance license, you can sell life insurance policies that pay a designated beneficiary when the insured person dies. You also can sell annuities that pay a set income at retirement.

     

     

    How much can you make with a life insurance license in Hawaii? 

    According to ZipRecruiter, life insurance agents earn an average of $79,730 per year.

     

     

    What are the limitations of a Hawaii life insurance license?

    Unless you have multiple licenses to sell various types of insurance products (e.g., the combined life and health insurance license), having a Hawaii life insurance license only qualifies you to sell life insurance policies as well as retirement plans and annuities. You can’t sell other types of insurance. A securities license on top of your life insurance license removes that limitation and enables you to offer securities, including stocks and bonds.

     

     

    Can I cancel my life insurance license in Hawaii?

    Yes. To cancel your license, you must submit a completed Voluntary Surrender of Insurance License form. Go to the DCCA Insurance Division’s Forms for Insurance Licensing page, and then download and complete Form VS.

     

     

    How hard is it to get a life insurance license in Hawaii?

    The process is quite simple! Follow the steps above and get started today!




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    Information on this page has been gathered by a multitude of sources and was most recently updated in October 2021.

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