Hawaii Insurance License
The Hawaii insurance license exam, in plain numbers.
Everything below is specific to Hawaii — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Hawaii
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 85 | 60 | 70% | 25 |
| Life only | 85 | 60 | 70% | 25 |
Administered by Pearson VUE for the Hawaii Insurance Division, Department of Commerce and Consumer Affairs. Time limit: 120 minutes. Roughly 30 of the scored questions (35%) come from Hawaii law — the block national courses cover most lightly.
Prelicensing
NOT required. Hawaii does not require prelicensing education for life and health, though an approved preparatory course is strongly recommended.
Continuing education
The DCCA publishes a class-based breakdown: 10 credit hours relating to the life, accident and health or sickness class of insurance; 11 credit hours relating to the property and casualty class; and 3 credit hours relating to ethics and/or the insurance laws and rules. Some commercial sources report a flat 24 hours with 3 ethics; the Division's own breakdown is the better authority, so confirm your figure with DCCA.
License term
2 years, on the last day of the birth month, keyed to the odd or even year of birth
Regulator
The Hawaii Insurance Division, Department of Commerce and Consumer Affairs oversees licensing, headed by an Insurance Commissioner leading the Insurance Division within the Department of Commerce and Consumer Affairs.
Hawaii Life and Disability Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Hawaii policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Hawaii, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Hawaii insurance exam questions, answered
How many questions are on the Hawaii insurance license exam?
The combined life and health exam has 85 scored questions. You need 60 correct to pass at 70%, which means you can miss 25.
What is the passing score for the Hawaii insurance exam?
70%. That works out to 60 correct answers out of 85 scored questions.
Who administers the Hawaii insurance license exam?
Pearson VUE, on behalf of the Hawaii Insurance Division, Department of Commerce and Consumer Affairs.
Does Hawaii require prelicensing education?
NOT required. Hawaii does not require prelicensing education for life and health, though an approved preparatory course is strongly recommended.
How much continuing education does Hawaii require?
The DCCA publishes a class-based breakdown: 10 credit hours relating to the life, accident and health or sickness class of insurance; 11 credit hours relating to the property and casualty class; and 3 credit hours relating to ethics and/or the insurance laws and rules. Some commercial sources report a flat 24 hours with 3 ethics; the Division's own breakdown is the better authority, so confirm your figure with DCCA.
Is there a Hawaii life-only or health-only exam?
Yes. Life only is 85 scored questions, 60 to pass.
How much does a Hawaii study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Hawaii Insurance Division, Department of Commerce and Consumer Affairs.