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Exam Review

Key Facts: HI Life & Health Exam

$75

Fee Per Exam

Pearson VUE Hawaii program page

70%

Passing Score

Pearson VUE Hawaii program page

96

Life Exam Items

Hawaii life exam (85 scored + 11 pretest)

95

A&H Exam Items

Hawaii A&H exam (85 scored + 10 pretest)

120 min

Time Per Exam

Pearson VUE Hawaii insurance candidate handbook

24 CE / 2 years

Resident CE Requirement

Hawaii Insurance Division CE memo

Hawaii exam logistics are published by Pearson VUE: fee is $75 per exam and the passing score is 70%, applied separately to the general (national) and Hawaii state-law sections (scores are not averaged). The Life exam has 96 items (85 scored + 11 pretest) and the A&H exam has 95 items (85 scored + 10 pretest), each with 120 minutes. Hawaii is also notable for no mandatory prelicensing hours before testing and for health-law topics such as prepaid health care and temporary disability insurance.

Sample HI Life & Health Practice Questions

Try these sample questions to review concepts for the HI Life & Health exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 685+ question experience with AI tutoring.

1Which state office is responsible for regulating insurers and insurance producers in Hawaii?
A.Hawaii Department of Financial Institutions
B.Hawaii Insurance Division within DCCA
C.Hawaii Office of Consumer Insurance Protection
D.Hawaii Department of Treasury Insurance Bureau
Explanation: Hawaii insurance regulation is handled by the Insurance Division within the Department of Commerce and Consumer Affairs (DCCA). The division oversees licensing, market conduct, solvency supervision, and enforcement under the Hawaii Insurance Code. Knowing the regulator is foundational for state-law questions.
2Which testing vendor currently administers Hawaii insurance producer licensing exams?
A.PSI Services
B.Prometric
C.Pearson VUE
D.Kryterion
Explanation: Pearson VUE administers Hawaii insurance licensing exams under the official Hawaii insurance testing program. Exam reservations, test center scheduling, and candidate handbooks are all managed through Pearson VUE for this program. Using the right vendor avoids registration mistakes.
3What prelicensing education requirement applies before sitting for Hawaii life or health producer exams?
A.20 hours per line
B.40 hours combined
C.No mandatory prelicensing hours
D.24 hours with 3 ethics
Explanation: Hawaii candidate guidance states there are no prelicensing education requirements before testing. Candidates may still choose prep courses, but formal classroom-hour completion is not a prerequisite to schedule an exam. This differs from many states that require mandatory prelicensing hours.
4What passing score is required on Hawaii insurance producer exams?
A.60%
B.65%
C.70%
D.75%
Explanation: The Hawaii insurance testing program lists a 70% passing score for producer exams. This is a core exam-day metric and should be part of your pacing strategy when practicing timed sets. Treat unanswered questions as wrong when calculating practice performance.
5What is the current exam reservation fee for a Hawaii insurance producer exam appointment?
A.$49
B.$63
C.$75
D.$89
Explanation: Pearson VUE lists the Hawaii insurance exam reservation fee as $75. Candidates should verify fee updates before scheduling, but the published Hawaii program fee currently uses this amount. Budgeting multiple attempts is part of practical exam planning.
6What is the delivered question count and total testing time for Hawaii's Resident Life Producer exam (general + state sections)?
A.96 questions in 120 minutes
B.85 questions in 90 minutes
C.110 questions in 150 minutes
D.150 questions in 180 minutes
Explanation: The Hawaii life path combines a 55-item general section and a 41-item state section for 96 delivered questions total. Time allotment is 75 minutes for general plus 45 minutes for state, totaling 120 minutes. That structure supports two-stage pacing during practice.
7What is the delivered question count and total testing time for Hawaii's Resident Accident & Health Producer exam (general + state sections)?
A.95 questions in 120 minutes
B.88 questions in 105 minutes
C.110 questions in 150 minutes
D.150 questions in 180 minutes
Explanation: The Hawaii accident and health path combines 55 delivered general questions and 40 delivered state questions, totaling 95. Time allotment is still 75 minutes for general and 45 minutes for state, or 120 minutes overall. Understanding this split helps you avoid rushing the law section.
8In Hawaii's Life General Knowledge section, how many scored and pretest questions are included?
A.35 scored and 6 pretest
B.50 scored and 5 pretest
C.60 scored and 10 pretest
D.75 scored and 0 pretest
Explanation: The life general section includes 50 scored questions and 5 pretest questions. Pretest items are unscored but not identified, so you must treat every question as scored while testing. This is standard exam-design practice in many insurance programs.
9In Hawaii's Life State Law section, what is the scored/pretest mix?
A.35 scored and 6 pretest
B.50 scored and 5 pretest
C.35 scored and 5 pretest
D.25 scored and 10 pretest
Explanation: The life state supplement is 41 delivered questions: 35 scored and 6 pretest. Because state-law weighting is meaningful, weak chapter-level recall can quickly reduce the passing margin. Precision with statute-topic mapping is critical here.
10In Hawaii's Accident & Health State Law section, what is the scored/pretest mix?
A.35 scored and 5 pretest
B.50 scored and 5 pretest
C.35 scored and 6 pretest
D.25 scored and 10 pretest
Explanation: The accident and health state section is 40 delivered questions: 35 scored and 5 pretest. That law block covers both common insurance law and line-specific health requirements. Candidates who ignore state content often underperform despite strong national knowledge.

About the HI Life & Health Exam

Hawaii resident candidates typically complete separate Life and Accident & Health producer exams. Each exam combines national content with a Hawaii state-law supplement that tests common Chapter 431 statutes plus line-specific life or health law.

Exam sponsor: Hawaii Insurance Division (DCCA) / Pearson VUE. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

191 questions

Time Limit

120 minutes per exam (240 minutes total for both lines)

Passing Score

70%

Exam / Certification Fees

$75 per exam ($150 for both lines)

Exam sponsor website

Reported exam pass rate: Not publicly reported. Hawaii Insurance Division and Pearson VUE do not publish a statewide first-time pass rate Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

29%

Life General Knowledge

Life policy types, provisions, field underwriting, and retirement/annuity concepts in the life general section

29%

Accident & Health General Knowledge

Health policy types/provisions, social insurance, and field underwriting in the A&H general section

27%

Hawaii Common Insurance Law

Commissioner authority, producer licensing, unfair trade practices, guaranty associations, privacy, hearings, and related common-law chapters

15%

Hawaii Line-Specific Life and Health Law

Annuity suitability, life settlements/viaticals, Medicare supplement standards, prepaid health care, and temporary disability law

Preparing for the HI Life & Health Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 191 questions
  • Time limit: 120 minutes per exam (240 minutes total for both lines)
  • Exam / certification fees: $75 per exam ($150 for both lines) Official sources

Using Our Practice Resources

  • Work through all 685 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

HI Life & Health: Suggested Study Strategy

1Master Hawaii common-law chapters first because they are heavily weighted in both life-state and health-state sections
2Memorize the exam structure: Life 96 items (85 scored + 11 pretest) and A&H 95 items (85 scored + 10 pretest), each with a 120-minute limit
3Drill chapter mapping for annuity suitability, life settlements, viaticals, and Medicare supplement standards
4Practice Hawaii-specific health mandates, especially prepaid health care and temporary disability concepts
5Use timed mixed sets and review misses by chapter citation instead of by topic name only

Frequently Asked Questions

Is Hawaii Life and Health one combined exam?

Hawaii generally uses two separate resident producer exams: Life and Accident & Health. Each exam has a national section and a Hawaii state-law section, and candidates pursuing both lines usually complete both exams.

How many questions are on Hawaii life and health producer exams?

The Life exam has 96 items (85 scored + 11 pretest), and the Accident & Health exam has 95 items (85 scored + 10 pretest). Both are timed at 120 minutes per exam, and pretest items are unscored.

What are the Hawaii passing score and exam fee?

Hawaii requires 70% to pass, scored separately on the general (national) and Hawaii state-law sections (the two are not averaged), and the fee is $75 per exam. Taking both lines typically means two separate exam fees.

Does Hawaii require prelicensing education before the exam?

Current Hawaii candidate guidance states there are no mandatory prelicensing education requirements before scheduling the producer exam. Many candidates still use structured prep because state-law sections are meaningful and chapter-specific.

What Hawaii-specific topics are most important in health law?

Expect state-law emphasis on Hawaii prepaid health care, temporary disability insurance, Medicare supplement standards, external review, and other Chapter 431 health provisions listed in the official outline.