Hawaii insurancelicense requirements
Hawaii insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- Pearson VUE
- Passing score
- 70 (scaled score)
- Exam fee
- $75 per exam
- License fee
- $150
- Fingerprints
- Required, through Fieldprint
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Hawaii
Below, you'll find the steps to a Hawaii insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Hawaii insurance producers
Contact the Hawaii insurance department
How much do insurance agents make in Hawaii?
Hawaii average insurance agent salary (all lines): $74,370
That is the mean annual wage for insurance sales agents in Hawaii in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $91,548
- Health insurance agent: $54,468
- Property and casualty insurance agent: $49,629
Please note that salaries will vary based on experience level and local demand.
Does Hawaii require prelicensing education?
No, Hawaii does not require any insurance pre-licensing education. We highly recommend taking a course on your own to prepare for the state's licensing exam.
How do I get my insurance license in Hawaii?
Becoming an insurance producer in Hawaii requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1 (optional): Consider taking a prelicensing course to help you prepare for your licensing exam.
- Step 2: Schedule your exam with Pearson VUE, the state’s testing provider, online at https://www.pearsonvue.com/us/en/hi/insurance.html or by calling (888) 274-2608. The exam fee is $75. To change or cancel your appointment, contact Pearson VUE at least 48 hours in advance to avoid forfeiting the fee.
- Step 3: On exam day, bring two forms of signature ID: a primary government-issued ID with your photo and signature, and a secondary ID with your signature (a debit or credit card works). You won't be allowed to take the exam without these. After the exam, you’ll receive a score report indicating "pass" or "fail." If you pass, you'll receive instructions on applying for your license.
- Step 4: Get fingerprinted for licensing. Review the process for resident producers at https://cca.hawaii.gov/ins/producers/, then schedule your fingerprinting appointment online with Fieldprint Hawaii at https://fieldprinthawaii.com/.
- Step 5: Apply for your license within 60 days of fingerprinting at https://nipr.com/. Ensure you review Hawaii’s specific licensing requirements before starting your application.
If you need assistance with any of these steps or have questions about specific requirements, contact the Hawaii insurance department for the most current information.
Hawaii insurance exam information
Hawaii Life Insurance Examination
| Detail | Value |
|---|---|
| Questions | 96 Total Questions (85 scored, 11 pretest) |
| Time limit | 120 minutes |
| Passing score | 70 (scaled score) |
| Pass rate | 66.5% (877 of 1,318 first-time test takers, 2025) |
Hawaii Accident and Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 95 Total Questions (85 scored, 10 pretest) |
| Time limit | 120 minutes |
| Passing score | 70 (scaled score) |
| Pass rate | 70.1% (413 of 589 first-time test takers, 2025) |
Hawaii Property Insurance Examination
| Detail | Value |
|---|---|
| Questions | 93 Total Questions (83 scored, 10 pretest) |
| Time limit | 120 minutes |
| Passing score | 70 (scaled score) |
| Pass rate | 57.0% (85 of 149 first-time test takers, 2025) |
Hawaii Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 103 Total Questions (91 scored, 12 pretest) |
| Time limit | 135 minutes |
| Passing score | 70 (scaled score) |
| Pass rate | 64.7% (90 of 139 first-time test takers, 2025) |
Hawaii Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 128 Total Questions (116 scored, 12 pretest) |
| Time limit | 150 minutes |
| Passing score | 70 (scaled score) |
| Pass rate | 30.0% (3 of 10 first-time test takers, 2025) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Hawaii insurance licensing fees
- Initial individual fees: Resident Producer $150, Nonresident Producer $225–$300 depending on license type and dates
- Renewal fees: Resident Producer $200, Surplus Lines Broker $180; Nonresident Producer $150, Surplus Lines Broker $180
- Adjuster and specialty adjuster fees: Licensing $165–$210 depending on DOB/month, Renewal $90, Late $270
- Public adjuster fees: Licensing $165–$210, Renewal $90, Late $270
Hawaii insurance license citizenship requirements
Non-US citizens must submit valid work permit or permanent resident card via NIPR Attachment Warehouse
Where can I apply for a resident insurance license in Hawaii?
Apply through NIPR
How can I apply for a non-resident insurance license in Hawaii?
- 1. Must be at least 18 years old.
- 2. Must provide a valid business email address, US business address, mailing address, and business phone number.
- 3. Reciprocity generally applies. Must have an active, same license in your home state.
- 4. Must answer background questions.
- 5. Apply via NIPR and pay $165 plus NIPR processing fees.
Hawaii carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits Just-in-time appointments: Yes
- Initial appointment deadlines: Within 15 days of contract execution or first business submission (HI ST § 431:9A-114)
- Can be processed via NIPR: Yes
- Fees for appointing a resident agency or individual: No fee
- Appoint agencies: Yes
- Agency appointment covers affiliated producers: No
- Adjuster appointments via NIPR: No
- Appointment effective date can be specified: Yes, must be ≤15 days old
- State requires appointment renewal: No, perpetual
Hawaii insurance license termination details
- Terminations processed via NIPR: Yes
- Termination reasons: Voluntary; inadequate production; cancelled by general agent; death; company defunct or liquidation; agent moved; appointed in error
- Termination date can be specified: Yes, ≤15 days old
- Termination notes: All LOAs terminated, even if only one line requested
- Termination fee: None
- Allows carriers to terminate if license expired: No
- Not-for-cause notices: Must be mailed
Hawaii insurance license renewals
Resident renewal period begins: 106 days before expiration ; Resident renewal date: 16th day of birth month every 2 years ; Nonresident renewal period: 106 days before expiration ; Nonresident renewal date: 16th day of birth month every 2 years ; Late renewal: 30 days after expiration
Hawaii insurance license continuing education (CE) requirements
- Total CE hours per renewal period: 24
- Renewal period: 2 years
- CE due before license renewal: Yes, at least 15 days prior
- License renewal date: 16th day of birth month
- Ethics: 3 hours
- Major lines must meet LOA-specific hours
- Flood: 3 hours NFIP
- LTC: 8-hour initial, 4-hour per cycle
- Annuity: one-time 4-hour course
- Adjusters: No CE
- Check CE transcripts: Hawaii CE Search
Hawaii insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Hawaii requires no prelicensing course, so you can book your exam as soon as you are ready. Allow time for your fingerprint appointment too.
Yes. Hawaii candidates can test online with a remote proctor through Pearson VUE, or in person at a test center.
Expect to pay $75 per exam for the exam and $150 for the license. Fingerprinting and any exam prep are extra.
No. Hawaii does not require a prelicensing course, though a course helps you prepare for the exam.
The passing score is 70 (scaled score). In 2025, 66.5% of first-time test takers passed the Hawaii life exam, according to the NAIC.
Yes. Resident applicants in Hawaii are fingerprinted through Fieldprint.
Apply through NIPR after you pass your exam.
Hawaii requires 24 hours every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing, exam provider, exam fee, passing score and online exams: pearsonvue.com
- License fee, fingerprints and where to apply: nipr.com
- Continuing education: cca.hawaii.gov
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Hawaii and exam provider sources as of . Licensing rules and fees change, so confirm them with the Hawaii insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Hawaii, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
