We have not published a step-by-step Hawaii checklist yet. These are the official sources; anything on this page that is not cited to one of them comes from the state's own published exam outline.

What Hawaii requires

Transcribed from NIPR's Hawaii resident licensing requirements page, read 2026-09-16. Fees and rules change; confirm against Hawaii Insurance Division before you file.

Application fee: $150 (Insurance Producer)
State exam: Insurance Producer and Surplus Lines applicants must pass the Hawaii licensing exams. Exams are required for Life, Accident & Health or Sickness, Property, Casualty, Personal Lines, Surety and Title, and for Independent Adjuster, Public Adjuster and Workers' Compensation Adjuster.
Fingerprints and background check: Fingerprinting has been required for resident licence applications since 1 November 2010, scheduled through the state's vendor FieldPrint.
How to apply: Apply electronically through NIPR's Resident License application.
Also worth knowing: No exam is required if a licence is reactivated within one year of inactivation. A General Excise Tax Licence is required. Public Adjusters must post a $10,000 surety bond.

Hawaii application fees, by license class

Insurance Producer$150
Limited Lines Producer$150
Independent Adjuster$165
Public Adjuster$165
Workers' Compensation Adjuster$165
Surplus Lines Broker$240

Source: NIPR, Hawaii resident licensing requirements, individual, read 2026-09-16. Anything absent above is something that page does not state, which is not the same as the state not requiring it.

What's actually on the exam

Section weights below are derived from Pearson VUE publication #121201, effective 2026-01-01 - not a national average. Our practice questions and final exam are sampled to the same proportions.

I. Types of Policies14.118% (12 of 85)
II. Policy Riders, Provisions, Options, and Exclusions12.941% (11 of 85)
III. Completing the Application, Underwriting, and Delivering the Policy14.118% (12 of 85)
IV. Premiums, Proceeds, and Beneficiaries7.059% (6 of 85)
V. Annuities4.706% (4 of 85)
VI. Federal Tax Considerations for Life Insurance and Annuities3.529% (3 of 85)
VII. Qualified Plans and Federal Retirement Plans2.353% (2 of 85)
VIII. Hawaii Insurance Code Pertinent to Life Insurance27.059% (23 of 85)
IX. Hawaii Statutes Pertinent to Life Insurance Producers14.118% (12 of 85)

Source: Pearson VUE #121201 eff. 2026-01-01.

Frequently asked questions

How many questions are on the Hawaii Life exam?

Hawaii administers the Life Producer, 85 scored questions, a 120-minute time limit, administered by Pearson VUE. The exam fee is $75.

What score do I need to pass?

Hawaii does not publish a passing score for this examination, so treat the candidate handbook as the authority rather than any figure quoted elsewhere.

Does Hawaii require state-approved prelicensing education?

No. Hawaii does not mandate prelicensing education for the Life license - passing the exam is what qualifies you. Exam prep alone is sufficient.

Is the practice exam built to the real Hawaii exam's format?

Yes. Our practice questions and final exam are weighted to match Pearson VUE #121201 eff. 2026-01-01, section by section - not a generic national blueprint with a state label on it.

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