What is the Prepaid Health Care Act?

Hawaii's 1974 law requiring employers to provide health insurance to employees working 20+ hours per week for 4 consecutive weeks. Employers must pay at least 50% of premiums, and employee share cannot exceed 1.5% of monthly wages.

How hard is the Hawaii insurance exam?

The Life exam has 96 questions and Health exam has 95 questions, each with 2 hours time limit. A 70% passing score is required. No pre-licensing education is required, but exam prep is recommended.

Who is the Hawaii Insurance Commissioner?

Scott Saiki was appointed Hawaii Insurance Commissioner effective July 16, 2025. The DCCA Insurance Division oversees all insurance regulation in Hawaii.

What are Hawaii's insurance grace period and free look requirements?

Hawaii requires a 30-day grace period for life insurance premium payments. The free look period is 10 days for standard life insurance policies and 30 days for long-term care insurance.

FREE Hawaii Life & Health Insurance License Exam Guide 2026

✓Key Facts

•Hawaii Life exam has 96 questions (85 scored) and Health exam has 95 questions (85 scored), both require 70% to pass

•Hawaii has the Prepaid Health Care Act (1974) requiring employers to provide health coverage to employees working 20+ hours/week

•Hawaii does NOT require pre-licensing education - you can take the exam without completing any courses

•DCCA Insurance Division regulates insurance in Hawaii under HRS Chapter 431

•Hawaii Life & Disability Insurance Guaranty Association covers up to $300,000 in death benefits

Hawaii Life & Health Insurance License Exam Overview

The Hawaii Life & Health Insurance License Exam is administered by Pearson VUE on behalf of the Department of Commerce and Consumer Affairs (DCCA). Hawaii offers a unique market with mandatory employer health insurance and a diverse population.

Exam Format at a Glance

Hawaii offers separate Life and Accident & Health exams:

Component	Life Exam	Accident & Health Exam
Total Questions	96 (85 scored + 11 pretest)	95 (85 scored + 10 pretest)
Time Limit	2 hours (120 minutes)	2 hours (120 minutes)
Passing Score	70%	70%
Testing Vendor	Pearson VUE	Pearson VUE
Exam Fee	$75 per exam	$75 per exam
Pre-licensing Education	Not required	Not required

Why Get Licensed in Hawaii?

Mandatory employer coverage — Prepaid Health Care Act
High-income market — Tourism and military industries
Unique regulations — State-specific requirements
Growing population — Steady demand for coverage

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Key Topics Covered on the Exam

1. Life Insurance Products (30%)

Feature	Hawaii Standard
Grace Period	30 days (HRS 431:10D-102)
Incontestability	2 years
Free Look	10 days (30 days for long-term care)

2. Health Insurance Products (30%)

Hawaii-Specific Topics:

Prepaid Health Care Act (employer mandate)
Hawaii Health Connector history
Healthcare.gov (current marketplace)
QUEST Integration (Medicaid)

3. Annuities (15%)

Fixed and variable annuities
Suitability requirements

4. Hawaii Insurance Regulations (15%)

Hawaii Revised Statutes Chapter 431
DCCA Insurance Division
Producer licensing requirements

Hawaii-Specific Exam Tips

Prepaid Health Care Act

Hawaii's unique employer mandate requires most employers to provide health insurance. This is frequently tested.

Topic	Hawaii Requirement
Grace period	30 days
Pre-licensing	Not required
CE requirement	24 hours/2 years (including 3 hours ethics)
Passing score	70%
Guaranty Association	Up to $300,000 death benefits

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FREE Hawaii Life & Health Insurance Exam Guide 2026: DCCA Exam Prep