HI Life & Health

Expect two content halves plus state law: general insurance concepts, life insurance basics, life policies, life policy provisions/options/riders, annuities, health insurance basics, and health policy provisions, along with Hawaii laws, rules and regulations. Hawaii-specific rules are woven through the other areas, so do not treat them as a single separate chapter you can skip.

The Hawaii Insurance Division's public pages list an Examination Information section under Producers but do not publish an item count or time limit in the material reviewed for this page. Rather than rely on a secondhand figure, open the Division's Examination Information page or the vendor's program page before you schedule so you plan around the current format.

A passing score is not stated on the Division pages reviewed here, so this guide deliberately does not quote one. Passing standards are set by the exam program and can be revised. Confirm the current passing score on the official program page, and in practice aim comfortably above the minimum on every domain, not just on average.

Retake rules and any waiting period are not published on the pages reviewed for this guide. Contact the Division's Licensing Branch at 1-844-808-DCCA (3222) or check the vendor's program-specific FAQ before assuming you can rebook immediately. Staff are available 7:45 a.m. to 4:30 p.m. Hawaii Standard Time, Monday through Friday excluding state holidays.

Hawaii's licensing exams are delivered through Pearson VUE, which now operates under the name Pearson Professional Assessments. Pearson states the rollout is in progress and that a mix of old and new branding may appear for some time, so a search for either name should reach the same program. Locate the Hawaii insurance program page to schedule, reschedule or cancel.

Start with general insurance concepts and Hawaii law, because both halves depend on that vocabulary. Then take life basics, life policies, and provisions and riders in order, since each builds on the last, followed by annuities. Do health basics and health policy provisions last if health is your weaker line, so you finish with the newest material closest to test day.

Recurring errors are mixing annuity mechanics with life policy mechanics, confusing free-look and grace period rules, misjudging which health provision applies to a claim scenario, and answering from general insurance memory instead of Hawaii-specific rules. Another common failure is memorizing definitions without practicing application-style items that describe a client situation.

Difficulty is subjective and depends heavily on how much of the state-specific content you already know. National insurance concepts are widely taught; Hawaii rules are not, and that is usually where unprepared candidates lose points. Treat the Hawaii law domain as equal in importance to the life and health domains rather than as a small add-on.

The Division's Producers section lists Apply for New or Reinstate an Insurance License, Examination Information, Continuing Education, Fee Schedules, Forms, and Manage or Renew an Insurance License. Work through them in that order: confirm exam requirements, apply, pay the posted fee, then keep the license active through the continuing education program.