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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