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Hawaii Life Insurance — Requirements & Free Practice

US-HI · License preparation

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Nonresident Limited Lines Producer — Credit

Nonresident limited Credit authority, including credit life, with the scope held in the home state.

Licensing authority: Insurance Commissioner · Application information

Nonresident business entity seeking limited Credit authority, including credit life. Initial limited license
No examination is required for this applicant pathway.
Applicant
Nonresident business entity seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Designated Producer
Meet applicable business-entity designated-producer requirements under HRS §431:9A-106(b).
Home License
Hold the same limited Credit line of authority in the home jurisdiction; apply under HRS §431:9A-108(d) with reciprocal treatment.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity seeking limited Credit authority, including credit life. Restore within one year after inactivity
No examination is required for this applicant pathway.
Applicant
Nonresident business entity seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Designated Producer
Meet applicable business-entity designated-producer requirements under HRS §431:9A-106(b).
Home License
Hold the same limited Credit line of authority in the home jurisdiction; apply under HRS §431:9A-108(d) with reciprocal treatment.
Inactivity
Within one year after inactivation, pay fees and penalties and satisfy any outstanding applicable requirements.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity seeking limited Credit authority, including credit life. Reapply after more than one year of inactivity
No examination is required for this applicant pathway.
Applicant
Nonresident business entity seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Designated Producer
Meet applicable business-entity designated-producer requirements under HRS §431:9A-106(b).
Home License
Hold the same limited Credit line of authority in the home jurisdiction; apply under HRS §431:9A-108(d) with reciprocal treatment.
Inactivity
After more than one year, apply as a new limited-license applicant; the explicit limited Credit examination exemption still applies.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity seeking limited Credit authority, including credit life. Renew limited license
No examination is required for this applicant pathway.
Applicant
Nonresident business entity seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Designated Producer
Meet applicable business-entity designated-producer requirements under HRS §431:9A-106(b).
Home License
Hold the same limited Credit line of authority in the home jurisdiction; apply under HRS §431:9A-108(d) with reciprocal treatment.
Renewal
Pay the renewal fee and satisfy applicable limited-license renewal requirements.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity seeking limited Credit authority, including credit life. Restore within one year after surrender
No examination is required for this applicant pathway.
Applicant
Nonresident business entity seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Designated Producer
Meet applicable business-entity designated-producer requirements under HRS §431:9A-106(b).
Home License
Hold the same limited Credit line of authority in the home jurisdiction; apply under HRS §431:9A-108(d) with reciprocal treatment.
Scope
Only the limited Credit authority, not unrestricted Life authority.
Surrender
Within one year after voluntary surrender, pay the two-year service fee and meet applicable CE requirements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual seeking limited Credit authority, including credit life. Initial limited license
No examination is required for this applicant pathway.
Applicant
Nonresident individual seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Home License
Hold the same limited Credit line of authority in the home jurisdiction; apply under HRS §431:9A-108(d) with reciprocal treatment.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual seeking limited Credit authority, including credit life. Restore within one year after inactivity
No examination is required for this applicant pathway.
Applicant
Nonresident individual seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Home License
Hold the same limited Credit line of authority in the home jurisdiction; apply under HRS §431:9A-108(d) with reciprocal treatment.
Inactivity
Within one year after inactivation, pay fees and penalties and satisfy any outstanding applicable requirements.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual seeking limited Credit authority, including credit life. Reapply after more than one year of inactivity
No examination is required for this applicant pathway.
Applicant
Nonresident individual seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Home License
Hold the same limited Credit line of authority in the home jurisdiction; apply under HRS §431:9A-108(d) with reciprocal treatment.
Inactivity
After more than one year, apply as a new limited-license applicant; the explicit limited Credit examination exemption still applies.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual seeking limited Credit authority, including credit life. Renew limited license
No examination is required for this applicant pathway.
Applicant
Nonresident individual seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Home License
Hold the same limited Credit line of authority in the home jurisdiction; apply under HRS §431:9A-108(d) with reciprocal treatment.
Renewal
Pay the renewal fee and satisfy applicable limited-license renewal requirements.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual seeking limited Credit authority, including credit life. Restore within one year after surrender
No examination is required for this applicant pathway.
Applicant
Nonresident individual seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Home License
Hold the same limited Credit line of authority in the home jurisdiction; apply under HRS §431:9A-108(d) with reciprocal treatment.
Scope
Only the limited Credit authority, not unrestricted Life authority.
Surrender
Within one year after voluntary surrender, pay the two-year service fee and meet applicable CE requirements.

Official no-examination sources

Effective from 2026-09-22.

Restore producer license by judicial fine in lieu of sanction
No examination is required for this applicant pathway.
Applicant
Licensee appealing a sanction under HRS §431:9A-112.
Court Decision
Court finds a legal violation but deems the Commissioner’s sanction too severe; it may impose a fine not exceeding $10,000 instead.
Payment
Payment within ten days results in reinstatement, restoration or extension; the court lacks this power after a prior sanction for a similar offense.

Official no-examination sources

Effective from 2026-09-22.

Restore producer license after child support enforcement authorization
No examination is required for this applicant pathway.
Applicant
Previously licensed producer refused renewal or restoration, or suspended, because of certified support-order noncompliance.
Authorization
Restoration occurs only after authorization from the child-support enforcement agency, office of child-support hearings, or family court.
Other Requirements
Any independently applicable renewal, fees and CE requirements remain; this statutory restoration does not create a new examination slot.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Insurance Producer — Life

Nonresident producer licensing for the Life line of authority, including individuals and business entities.

Licensing authority: Hawaii Department of Commerce and Consumer Affairs, Insurance Division; Insurance Commissioner · Application information

Nonresident business entity with existing Life authority. Reactivate within twelve months after CE or other incomplete requirements
No examination is required for this applicant pathway.
Applicant
Nonresident business entity with existing Life authority.
Continuing Education
Maintain a licensed designated representative and any applicable continuing education; fulfill HAR §16-171-309.
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Inactivity
License inactive for incomplete CE or other applicable requirements; complete the requirements and restore within twelve months.
Penalty
Pay all required fees and penalties and submit proof of required credit hours.
Renewal Date
Last day of April for a nonresident business entity or July for a resident business entity.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity with existing Life authority. Reinstate within twelve months after fee nonpayment
No examination is required for this applicant pathway.
Applicant
Nonresident business entity with existing Life authority.
Continuing Education
Maintain a licensed designated representative and any applicable continuing education; fulfill HAR §16-171-309.
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Inactivity
License inactive for nonpayment of renewal fees; reinstate within twelve months.
Penalty
Pay the renewal fee and a penalty equal to double the unpaid renewal fee; comply with all chapter 431 requirements.
Renewal Date
Last day of April for a nonresident business entity or July for a resident business entity.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity with existing Life authority. Reapply after more than one year of inactivity
No examination is required for this applicant pathway.
Affiliation
The designated producer cannot serve more than one corporation or partnership unless the entities are affiliates under HRS §431:9A-106(b).
Applicant
Business entity applying for Life authority.
Application
Submit the uniform business entity application and pay applicable fees.
Appointment
Appointment must be in place before doing business; appointment and termination submissions are electronic through NIPR.
Designated Producer
Designate a licensed natural-person producer responsible for compliance with Hawaii insurance laws and rules.
Home License
Hold a current resident producer license in good standing for the requested Life authority in the home jurisdiction.
Inactivity
License inactive or voluntarily surrendered for more than one year; apply as a new applicant under HAR §§16-171-322–323 and the current Board category instructions.
Reciprocity
The home jurisdiction must award nonresident producer licenses to Hawaii residents on the same basis.
Service Of Process
Appoint the Hawaii Insurance Commissioner to receive service of legal process under HRS §431:9A-108.5.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity: Life producer licensure by reciprocity
No examination is required for this applicant pathway.
Affiliation
The designated producer cannot serve more than one corporation or partnership unless the entities are affiliates under HRS §431:9A-106(b).
Applicant
Business entity applying for Life authority.
Application
Submit the uniform business entity application and pay applicable fees.
Appointment
Appointment must be in place before doing business; appointment and termination submissions are electronic through NIPR.
Designated Producer
Designate a licensed natural-person producer responsible for compliance with Hawaii insurance laws and rules.
Home License
Hold a current resident producer license in good standing for the requested Life authority in the home jurisdiction.
Reciprocity
The home jurisdiction must award nonresident producer licenses to Hawaii residents on the same basis.
Service Of Process
Appoint the Hawaii Insurance Commissioner to receive service of legal process under HRS §431:9A-108.5.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity with existing Life authority. Ordinary renewal
No examination is required for this applicant pathway.
Applicant
Nonresident business entity with existing Life authority.
Continuing Education
Maintain a licensed designated representative and any applicable continuing education; fulfill HAR §16-171-309.
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Renewal Date
Last day of April for a nonresident business entity or July for a resident business entity.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity with existing Life authority. Restore within one year after voluntary surrender
No examination is required for this applicant pathway.
Applicant
Nonresident business entity with existing Life authority.
Continuing Education
Maintain a licensed designated representative and any applicable continuing education; fulfill HAR §16-171-309.
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Renewal Date
Last day of April for a nonresident business entity or July for a resident business entity.
Service Fee
Pay the two-year service fee and meet applicable continuing education requirements.
Surrender
License was voluntarily surrendered no more than one year ago.

Official no-examination sources

Effective from 2026-09-22.

Fraternal society Life producer: licensed before July 1, 1988
No examination is required for this applicant pathway.
Applicant
Individual licensed to represent a fraternal benefit society before July 1, 1988.
Appointment
Appointment is made by the fraternal benefit society.
Licensing
The ordinary producer application and applicable residency or reciprocity requirements remain; HRS §432:2-609(a) expressly removes the examination.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual with existing Life authority. Reactivate within twelve months after CE or other incomplete requirements
No examination is required for this applicant pathway.
Applicant
Nonresident individual with existing Life authority.
Continuing Education
Home-jurisdiction continuing education is recognized on a reciprocal basis under HRS §431:9A-116(b).
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Inactivity
License inactive for incomplete CE or other applicable requirements; complete the requirements and restore within twelve months.
Penalty
Pay all required fees and penalties and submit proof of required credit hours.
Renewal Date
Last day of the licensee’s birth month.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual with existing Life authority. Reinstate within twelve months after fee nonpayment
No examination is required for this applicant pathway.
Applicant
Nonresident individual with existing Life authority.
Continuing Education
Home-jurisdiction continuing education is recognized on a reciprocal basis under HRS §431:9A-116(b).
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Inactivity
License inactive for nonpayment of renewal fees; reinstate within twelve months.
Penalty
Pay the renewal fee and a penalty equal to double the unpaid renewal fee; comply with all chapter 431 requirements.
Renewal Date
Last day of the licensee’s birth month.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual with existing Life authority. Reapply after more than one year of inactivity
No examination is required for this applicant pathway.
Applicant
Nonresident individual with existing Life authority.
Application
Submit the proper request, applicable fees, and the home-jurisdiction application or completed uniform application.
Appointment
Obtain the insurer appointment before acting as its agent.
Home License
Hold a current resident producer license in good standing for the requested Life authority in the home jurisdiction.
Inactivity
License inactive or voluntarily surrendered for more than one year; apply as a new applicant under HAR §§16-171-322–323 and the current Board category instructions.
Reciprocity
The home jurisdiction must award nonresident producer licenses to Hawaii residents on the same basis.
Service Of Process
Appoint the Hawaii Insurance Commissioner to receive service of legal process under HRS §431:9A-108.5.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual: Life producer licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper request, applicable fees, and the home-jurisdiction application or completed uniform application.
Appointment
Obtain the insurer appointment before acting as its agent.
Home License
Hold a current resident producer license in good standing for the requested Life authority in the home jurisdiction.
Reciprocity
The home jurisdiction must award nonresident producer licenses to Hawaii residents on the same basis.
Service Of Process
Appoint the Hawaii Insurance Commissioner to receive service of legal process under HRS §431:9A-108.5.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual with existing Life authority. Ordinary renewal
No examination is required for this applicant pathway.
Applicant
Nonresident individual with existing Life authority.
Continuing Education
Home-jurisdiction continuing education is recognized on a reciprocal basis under HRS §431:9A-116(b).
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Renewal Date
Last day of the licensee’s birth month.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual with existing Life authority. Restore within one year after voluntary surrender
No examination is required for this applicant pathway.
Applicant
Nonresident individual with existing Life authority.
Continuing Education
Home-jurisdiction continuing education is recognized on a reciprocal basis under HRS §431:9A-116(b).
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Renewal Date
Last day of the licensee’s birth month.
Service Fee
Pay the two-year service fee and meet applicable continuing education requirements.
Surrender
License was voluntarily surrendered no more than one year ago.

Official no-examination sources

Effective from 2026-09-22.

Restore producer license by judicial fine in lieu of sanction
No examination is required for this applicant pathway.
Applicant
Licensee appealing a sanction under HRS §431:9A-112.
Court Decision
Court finds a legal violation but deems the Commissioner’s sanction too severe; it may impose a fine not exceeding $10,000 instead.
Payment
Payment within ten days results in reinstatement, restoration or extension; the court lacks this power after a prior sanction for a similar offense.

Official no-examination sources

Effective from 2026-09-22.

Nonresident active producer: reactivate inactive Life authority
No examination is required for this applicant pathway.
Applicant
The producer license remains active and the applicant seeks to reactivate a previously held Life line within the statutory twelve-month reactivation period.
Continuing Education
Complete CE applicable to the reactivated Life line before its reactivation, except qualifying nonresident reciprocity.

Official no-examination sources

Effective from 2026-09-22.

Restore producer license after child support enforcement authorization
No examination is required for this applicant pathway.
Applicant
Previously licensed producer refused renewal or restoration, or suspended, because of certified support-order noncompliance.
Authorization
Restoration occurs only after authorization from the child-support enforcement agency, office of child-support hearings, or family court.
Other Requirements
Any independently applicable renewal, fees and CE requirements remain; this statutory restoration does not create a new examination slot.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual: Variable Life and Variable Annuity authority by reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper request, applicable fees, and the home-jurisdiction application or completed uniform application.
Appointment
Obtain the insurer appointment before acting as its agent.
Home License
Hold a current resident producer license in good standing for the requested Life authority in the home jurisdiction.
Reciprocity
The home jurisdiction must award nonresident producer licenses to Hawaii residents on the same basis.
Scope
Apply for the Variable Life and Variable Annuity line held under the home-jurisdiction producer license.
Securities Registration
Supply the Hawaii FINRA CRD number and confirm current Hawaii FINRA registration as required by the Hawaii NIPR application instructions.
Service Of Process
Appoint the Hawaii Insurance Commissioner to receive service of legal process under HRS §431:9A-108.5.

Official no-examination sources

Effective from 2026-09-22.

Resident Limited Lines Producer — Credit

Limited Credit authority includes credit life and mortgage life; it does not authorize the whole Life line.

Licensing authority: Hawaii Department of Commerce and Consumer Affairs, Insurance Division; Insurance Commissioner · Application information

Resident business entity seeking limited Credit authority, including credit life. Initial limited license
No examination is required for this applicant pathway.
Applicant
Resident business entity seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Designated Producer
Meet applicable business-entity designated-producer requirements under HRS §431:9A-106(b).
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity seeking limited Credit authority, including credit life. Restore within one year after inactivity
No examination is required for this applicant pathway.
Applicant
Resident business entity seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Designated Producer
Meet applicable business-entity designated-producer requirements under HRS §431:9A-106(b).
Inactivity
Within one year after inactivation, pay fees and penalties and satisfy any outstanding applicable requirements.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity seeking limited Credit authority, including credit life. Reapply after more than one year of inactivity
No examination is required for this applicant pathway.
Applicant
Resident business entity seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Designated Producer
Meet applicable business-entity designated-producer requirements under HRS §431:9A-106(b).
Inactivity
After more than one year, apply as a new limited-license applicant; the explicit limited Credit examination exemption still applies.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity seeking limited Credit authority, including credit life. Renew limited license
No examination is required for this applicant pathway.
Applicant
Resident business entity seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Designated Producer
Meet applicable business-entity designated-producer requirements under HRS §431:9A-106(b).
Renewal
Pay the renewal fee and satisfy applicable limited-license renewal requirements.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity seeking limited Credit authority, including credit life. Restore within one year after surrender
No examination is required for this applicant pathway.
Applicant
Resident business entity seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Designated Producer
Meet applicable business-entity designated-producer requirements under HRS §431:9A-106(b).
Scope
Only the limited Credit authority, not unrestricted Life authority.
Surrender
Within one year after voluntary surrender, pay the two-year service fee and meet applicable CE requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident individual seeking limited Credit authority, including credit life. Initial limited license
No examination is required for this applicant pathway.
Applicant
Resident individual seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Fingerprints
Complete the Board’s required resident fingerprint process before application.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Resident individual seeking limited Credit authority, including credit life. Restore within one year after inactivity
No examination is required for this applicant pathway.
Applicant
Resident individual seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Fingerprints
Complete the Board’s required resident fingerprint process before application.
Inactivity
Within one year after inactivation, pay fees and penalties and satisfy any outstanding applicable requirements.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Resident individual seeking limited Credit authority, including credit life. Reapply after more than one year of inactivity
No examination is required for this applicant pathway.
Applicant
Resident individual seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Fingerprints
Complete the Board’s required resident fingerprint process before application.
Inactivity
After more than one year, apply as a new limited-license applicant; the explicit limited Credit examination exemption still applies.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Resident individual seeking limited Credit authority, including credit life. Renew limited license
No examination is required for this applicant pathway.
Applicant
Resident individual seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Fingerprints
Complete the Board’s required resident fingerprint process before application.
Renewal
Pay the renewal fee and satisfy applicable limited-license renewal requirements.
Scope
Only the limited Credit authority, not unrestricted Life authority.

Official no-examination sources

Effective from 2026-09-22.

Resident individual seeking limited Credit authority, including credit life. Restore within one year after surrender
No examination is required for this applicant pathway.
Applicant
Resident individual seeking limited Credit authority, including credit life.
Application
Submit the applicable uniform application electronically and pay licensing fees.
Continuing Education
Meet any continuing education that applies to the actual license and designated representative; the applicant should not treat limited authority as a major Life license.
Fingerprints
Complete the Board’s required resident fingerprint process before application.
Scope
Only the limited Credit authority, not unrestricted Life authority.
Surrender
Within one year after voluntary surrender, pay the two-year service fee and meet applicable CE requirements.

Official no-examination sources

Effective from 2026-09-22.

Restore producer license by judicial fine in lieu of sanction
No examination is required for this applicant pathway.
Applicant
Licensee appealing a sanction under HRS §431:9A-112.
Court Decision
Court finds a legal violation but deems the Commissioner’s sanction too severe; it may impose a fine not exceeding $10,000 instead.
Payment
Payment within ten days results in reinstatement, restoration or extension; the court lacks this power after a prior sanction for a similar offense.

Official no-examination sources

Effective from 2026-09-22.

Restore producer license after child support enforcement authorization
No examination is required for this applicant pathway.
Applicant
Previously licensed producer refused renewal or restoration, or suspended, because of certified support-order noncompliance.
Authorization
Restoration occurs only after authorization from the child-support enforcement agency, office of child-support hearings, or family court.
Other Requirements
Any independently applicable renewal, fees and CE requirements remain; this statutory restoration does not create a new examination slot.

Official no-examination sources

Effective from 2026-09-22.

Resident Insurance Producer — Life

Resident producer licensing for the Life line of authority; individual and business entity routes, including fraternal-society producers licensed under the same producer statute. Variable-life authority is a separate line on the producer license, addressed separately in routes or scoped notes.

Licensing authority: Hawaii Department of Commerce and Consumer Affairs, Insurance Division; Insurance Commissioner · Application information

Resident individual: add the Life line of authority
Life Producer
Applicant
Active insurance producer adding Life authority not previously held or exempted; HRS §431:9A-106(a)(4) requires the applicable examination for each requested line.
Application
Submit a truthful, accurate and complete uniform application and pay applicable licensing fees.
Appointment
An insurer appointment is not required with the license application, but HRS §431:9A-114 requires appointment before acting as an insurer’s agent.
Continuing Education
Adding Life affects the continuing-education requirement at the next renewal under the Board’s memorandum 2022-3LIC.
Controlled Business
HRS §431:9A-112.5 restricts issuance and renewal when controlled-business premiums exceed other business under its prescribed measures.
Fingerprints
Submit a full set of fingerprints for national and Hawaii criminal-history checks; the current Board instructions require Fieldprint recipient code HI-DCCA-INS.
Licensure Sanctions
Must not have committed an act constituting a licensure sanction under HRS §431:9A-112; the Commissioner may require documents to verify the application.
Minimum Age
At least eighteen years of age under HRS §431:9A-106(a)(1).
Score Currency
The applicable Life examination must have been passed within the two years immediately preceding license issuance; the passing score can predate application.
Waiver
HRS §431:9A-130 permits a waiver on written request and good cause; an applicant-specific waiver does not remove the examination from this route.
Resident individual: currently licensed elsewhere for the same Life authority
No examination is required for this applicant pathway.
Applicant
Currently licensed in good standing for the same Life line in another jurisdiction; official certification or the NAIC producer database must show good standing.
Statutory Exception
No prelicensing education or examination under HRS §431:9A-109(a), subject to §431:9A-116.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity with existing Life authority. Reactivate within twelve months after CE or other incomplete requirements
No examination is required for this applicant pathway.
Applicant
Resident business entity with existing Life authority.
Continuing Education
Maintain a licensed designated representative and any applicable continuing education; fulfill HAR §16-171-309.
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Inactivity
License inactive for incomplete CE or other applicable requirements; complete the requirements and restore within twelve months.
Penalty
Pay all required fees and penalties and submit proof of required credit hours.
Renewal Date
Last day of April for a nonresident business entity or July for a resident business entity.

Official no-examination sources

Effective from 2026-09-22.

Resident agency: restore designated representative within thirty days
No examination is required for this applicant pathway.
Applicant
Agency whose license was changed to Cancelled for lacking a designated representative licensed producer.
Deadline
Submit Form ADR within thirty days and obtain approval; otherwise the agency becomes inactive and must reapply as a new applicant.
Designated Producer
Appoint the licensed natural person responsible for legal compliance.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity: initial Life producer licensure
No examination is required for this applicant pathway.
Affiliation
The designated producer cannot serve more than one corporation or partnership unless the entities are affiliates under HRS §431:9A-106(b).
Applicant
Business entity applying for Life authority.
Application
Submit the uniform business entity application and pay applicable fees.
Appointment
Appointment must be in place before doing business; appointment and termination submissions are electronic through NIPR.
Designated Producer
Designate a licensed natural-person producer responsible for compliance with Hawaii insurance laws and rules.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity with existing Life authority. Reinstate within twelve months after fee nonpayment
No examination is required for this applicant pathway.
Applicant
Resident business entity with existing Life authority.
Continuing Education
Maintain a licensed designated representative and any applicable continuing education; fulfill HAR §16-171-309.
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Inactivity
License inactive for nonpayment of renewal fees; reinstate within twelve months.
Penalty
Pay the renewal fee and a penalty equal to double the unpaid renewal fee; comply with all chapter 431 requirements.
Renewal Date
Last day of April for a nonresident business entity or July for a resident business entity.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity with existing Life authority. Reapply after more than one year of inactivity
No examination is required for this applicant pathway.
Affiliation
The designated producer cannot serve more than one corporation or partnership unless the entities are affiliates under HRS §431:9A-106(b).
Applicant
Business entity applying for Life authority.
Application
Submit the uniform business entity application and pay applicable fees.
Appointment
Appointment must be in place before doing business; appointment and termination submissions are electronic through NIPR.
Designated Producer
Designate a licensed natural-person producer responsible for compliance with Hawaii insurance laws and rules.
Inactivity
License inactive or voluntarily surrendered for more than one year; apply as a new applicant under HAR §§16-171-322–323 and the current Board category instructions.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity with existing Life authority. Ordinary renewal
No examination is required for this applicant pathway.
Applicant
Resident business entity with existing Life authority.
Continuing Education
Maintain a licensed designated representative and any applicable continuing education; fulfill HAR §16-171-309.
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Renewal Date
Last day of April for a nonresident business entity or July for a resident business entity.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity with existing Life authority. Restore within one year after voluntary surrender
No examination is required for this applicant pathway.
Applicant
Resident business entity with existing Life authority.
Continuing Education
Maintain a licensed designated representative and any applicable continuing education; fulfill HAR §16-171-309.
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Renewal Date
Last day of April for a nonresident business entity or July for a resident business entity.
Service Fee
Pay the two-year service fee and meet applicable continuing education requirements.
Surrender
License was voluntarily surrendered no more than one year ago.

Official no-examination sources

Effective from 2026-09-22.

Fraternal society Life producer: licensed before July 1, 1988
No examination is required for this applicant pathway.
Applicant
Individual licensed to represent a fraternal benefit society before July 1, 1988.
Appointment
Appointment is made by the fraternal benefit society.
Licensing
The ordinary producer application and applicable residency or reciprocity requirements remain; HRS §432:2-609(a) expressly removes the examination.

Official no-examination sources

Effective from 2026-09-22.

Resident individual: Life producer for a fraternal benefit society
Life Producer
Applicant
Individual soliciting fraternal Life insurance who is required to be licensed under HRS §432:2-609.
Application
Submit a truthful, accurate and complete uniform application and pay applicable licensing fees.
Appointment
Appointment is by the fraternal benefit society.
Controlled Business
HRS §431:9A-112.5 restricts issuance and renewal when controlled-business premiums exceed other business under its prescribed measures.
Exempt Activities
HRS §432:2-609(b) exempts qualifying salaried officers, employees or members not commission-paid; subsection (c) exempts persons devoting less than fifty percent of their time, subject to its compensation and volume presumption.
Fingerprints
Submit a full set of fingerprints for national and Hawaii criminal-history checks; the current Board instructions require Fieldprint recipient code HI-DCCA-INS.
Licensure Sanctions
Must not have committed an act constituting a licensure sanction under HRS §431:9A-112; the Commissioner may require documents to verify the application.
Minimum Age
At least eighteen years of age under HRS §431:9A-106(a)(1).
Score Currency
The applicable Life examination must have been passed within the two years immediately preceding license issuance; the passing score can predate application.
Waiver
HRS §431:9A-130 permits a waiver on written request and good cause; an applicant-specific waiver does not remove the examination from this route.
Resident individual with existing Life authority. Reactivate within twelve months after CE or other incomplete requirements
No examination is required for this applicant pathway.
Applicant
Resident individual with existing Life authority.
Continuing Education
Complete twenty-four approved CE credit hours: twenty-one for Life or Accident and Health and three for ethics or insurance law and rules; requirements change if additional line groups are held.
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Inactivity
License inactive for incomplete CE or other applicable requirements; complete the requirements and restore within twelve months.
Penalty
Pay all required fees and penalties and submit proof of required credit hours.
Renewal Date
Last day of the licensee’s birth month.

Official no-examination sources

Effective from 2026-09-22.

Resident individual with existing Life authority. Reinstate within twelve months after fee nonpayment
No examination is required for this applicant pathway.
Applicant
Resident individual with existing Life authority.
Continuing Education
Complete twenty-four approved CE credit hours: twenty-one for Life or Accident and Health and three for ethics or insurance law and rules; requirements change if additional line groups are held.
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Inactivity
License inactive for nonpayment of renewal fees; reinstate within twelve months.
Penalty
Pay the renewal fee and a penalty equal to double the unpaid renewal fee; comply with all chapter 431 requirements.
Renewal Date
Last day of the licensee’s birth month.

Official no-examination sources

Effective from 2026-09-22.

Resident individual with existing Life authority. Reapply after more than one year of inactivity
Life Producer
Applicant
Resident individual with existing Life authority.
Application
Submit a truthful, accurate and complete uniform application and pay applicable licensing fees.
Appointment
An insurer appointment is not required with the license application, but HRS §431:9A-114 requires appointment before acting as an insurer’s agent.
Controlled Business
HRS §431:9A-112.5 restricts issuance and renewal when controlled-business premiums exceed other business under its prescribed measures.
Fingerprints
Submit a full set of fingerprints for national and Hawaii criminal-history checks; the current Board instructions require Fieldprint recipient code HI-DCCA-INS.
Handbook Exemption Notice
Pearson’s January 2026 handbook, printed page 3, states “Applicants who held an insurance license in this state within the last two year period” are exempt. HRS §§431:9A-107(c), 124(h) and the Board’s current licensing categories use twelve months; the statutory examination requirement is retained for applicants without a separate §431:9A-109 exemption.
Inactivity
License inactive or voluntarily surrendered for more than one year; apply as a new applicant under HAR §§16-171-322–323 and the current Board category instructions.
Licensure Sanctions
Must not have committed an act constituting a licensure sanction under HRS §431:9A-112; the Commissioner may require documents to verify the application.
Minimum Age
At least eighteen years of age under HRS §431:9A-106(a)(1).
Score Currency
The applicable Life examination must have been passed within the two years immediately preceding license issuance; the passing score can predate application.
Waiver
HRS §431:9A-130 permits a waiver on written request and good cause; an applicant-specific waiver does not remove the examination from this route.
Resident individual with existing Life authority. Ordinary renewal
No examination is required for this applicant pathway.
Applicant
Resident individual with existing Life authority.
Continuing Education
Complete twenty-four approved CE credit hours: twenty-one for Life or Accident and Health and three for ethics or insurance law and rules; requirements change if additional line groups are held.
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Renewal Date
Last day of the licensee’s birth month.

Official no-examination sources

Effective from 2026-09-22.

Resident individual with existing Life authority. Restore within one year after voluntary surrender
No examination is required for this applicant pathway.
Applicant
Resident individual with existing Life authority.
Continuing Education
Complete twenty-four approved CE credit hours: twenty-one for Life or Accident and Health and three for ethics or insurance law and rules; requirements change if additional line groups are held.
Fees
Pay the applicable renewal fee; maintain eligibility under the producer statutes.
Renewal Date
Last day of the licensee’s birth month.
Service Fee
Pay the two-year service fee and meet applicable continuing education requirements.
Surrender
License was voluntarily surrendered no more than one year ago.

Official no-examination sources

Effective from 2026-09-22.

Resident individual: initial Life licensure by examination
Life Producer
Applicant
Individual applying for the Life line who is not exempt under HRS §431:9A-109.
Application
Submit a truthful, accurate and complete uniform application and pay applicable licensing fees.
Appointment
An insurer appointment is not required with the license application, but HRS §431:9A-114 requires appointment before acting as an insurer’s agent.
Controlled Business
HRS §431:9A-112.5 restricts issuance and renewal when controlled-business premiums exceed other business under its prescribed measures.
Fingerprints
Submit a full set of fingerprints for national and Hawaii criminal-history checks; the current Board instructions require Fieldprint recipient code HI-DCCA-INS.
Licensure Sanctions
Must not have committed an act constituting a licensure sanction under HRS §431:9A-112; the Commissioner may require documents to verify the application.
Minimum Age
At least eighteen years of age under HRS §431:9A-106(a)(1).
Score Currency
The applicable Life examination must have been passed within the two years immediately preceding license issuance; the passing score can predate application.
Waiver
HRS §431:9A-130 permits a waiver on written request and good cause; an applicant-specific waiver does not remove the examination from this route.
Restore producer license by judicial fine in lieu of sanction
No examination is required for this applicant pathway.
Applicant
Licensee appealing a sanction under HRS §431:9A-112.
Court Decision
Court finds a legal violation but deems the Commissioner’s sanction too severe; it may impose a fine not exceeding $10,000 instead.
Payment
Payment within ten days results in reinstatement, restoration or extension; the court lacks this power after a prior sanction for a similar offense.

Official no-examination sources

Effective from 2026-09-22.

Resident active producer: reactivate inactive Life authority
No examination is required for this applicant pathway.
Applicant
The producer license remains active and the applicant seeks to reactivate a previously held Life line within the statutory twelve-month reactivation period.
Continuing Education
Complete CE applicable to the reactivated Life line before its reactivation, except qualifying nonresident reciprocity.

Official no-examination sources

Effective from 2026-09-22.

Resident individual: prior Life license cancelled within ninety days
No examination is required for this applicant pathway.
Applicant
Application is received within ninety days after cancellation of the prior license for the same Life authority.
Good Standing
Prior licensing authority certifies good standing at cancellation, or the NAIC producer database establishes it.
Statutory Exception
HRS §431:9A-109(a) exempts the qualifying applicant from prelicensing education and examination.

Official no-examination sources

Effective from 2026-09-22.

Resident individual: move to Hawaii with previously held Life authority
No examination is required for this applicant pathway.
Applicant
Producer licensed elsewhere who establishes legal residence in Hawaii must apply within ninety days of establishing residence.
Application
Apply under HRS §431:9A-106 and satisfy the nonexamination application requirements.
Scope
Only lines previously held are exempt; HRS §431:9A-109(b) preserves the Commissioner’s ability to determine otherwise by rule.

Official no-examination sources

Effective from 2026-09-22.

Restore producer license after child support enforcement authorization
No examination is required for this applicant pathway.
Applicant
Previously licensed producer refused renewal or restoration, or suspended, because of certified support-order noncompliance.
Authorization
Restoration occurs only after authorization from the child-support enforcement agency, office of child-support hearings, or family court.
Other Requirements
Any independently applicable renewal, fees and CE requirements remain; this statutory restoration does not create a new examination slot.

Official no-examination sources

Effective from 2026-09-22.

temporary insurance producer license

Temporary producer license for servicing a life-insurance business, limited to 180 days and the Commissioner’s protective conditions.

Licensing authority: commissioner · Application information

Temporary Life producer: Business entity member or employee
No examination is required for this applicant pathway.
Applicant
Member or employee of a licensed producer business entity after the death or disability of its designated individual.
Maximum Duration
Not more than 180 days; cannot continue after disposal of the business.
Necessity
The Commissioner must find temporary licensing necessary to service an insurance business.
Protective Conditions
The Commissioner may limit authority, require a suitable licensed-producer or insurer sponsor responsible for acts, impose comparable safeguards, and suspend or revoke when public or insured interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary Life producer: Designee of a producer entering active military service
No examination is required for this applicant pathway.
Applicant
Designee of a licensed producer entering active United States armed-forces service.
Maximum Duration
Not more than 180 days; cannot continue after disposal of the business.
Necessity
The Commissioner must find temporary licensing necessary to service an insurance business.
Protective Conditions
The Commissioner may limit authority, require a suitable licensed-producer or insurer sponsor responsible for acts, impose comparable safeguards, and suspend or revoke when public or insured interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary Life producer: Other circumstance approved in the public interest
No examination is required for this applicant pathway.
Applicant
The Commissioner determines that the public interest is best served by issuing a temporary license.
Maximum Duration
Not more than 180 days; cannot continue after disposal of the business.
Necessity
The Commissioner must find temporary licensing necessary to service an insurance business.
Protective Conditions
The Commissioner may limit authority, require a suitable licensed-producer or insurer sponsor responsible for acts, impose comparable safeguards, and suspend or revoke when public or insured interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary Life producer: Surviving spouse or court appointed representative
No examination is required for this applicant pathway.
Applicant
Surviving spouse or court-appointed personal representative of a licensed producer who died or became mentally or physically disabled; facilitate sale, recovery, return, or training and licensing of personnel.
Maximum Duration
Not more than 180 days; cannot continue after disposal of the business.
Necessity
The Commissioner must find temporary licensing necessary to service an insurance business.
Protective Conditions
The Commissioner may limit authority, require a suitable licensed-producer or insurer sponsor responsible for acts, impose comparable safeguards, and suspend or revoke when public or insured interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Life Producer

Provider
Pearson VUE
Format
Computer-based examination at a test center or online through OnVUE
Exam questions
General: 50 scoreable questions plus 5 pretest questions; Hawaii-specific: 35 scoreable questions plus 6 pretest questions
Time limit
General: 75 minutes; Hawaii-specific: 45 minutes
Passing score
70 scaled score
Exam fee
$75
Examination outline
  • Life—General Knowledge: I. TYPES OF POLICIES (15 scoreable questions)
    • A. Traditional whole life products
    • A. Traditional whole life products > 1. Ordinary whole life
    • A. Traditional whole life products > 2. Limited-pay and single-premium life
    • B. Interest/market-sensitive/adjustable life products
    • B. Interest/market-sensitive/adjustable life products > 1. Universal life
    • B. Interest/market-sensitive/adjustable life products > 2. Variable whole life
    • B. Interest/market-sensitive/adjustable life products > 3. Variable universal life
    • B. Interest/market-sensitive/adjustable life products > 4. Interest-sensitive whole life
    • B. Interest/market-sensitive/adjustable life products > 5. Indexed life
    • C. Term life
    • C. Term life > 1. Types
    • C. Term life > 1. Types > a. Level
    • C. Term life > 1. Types > b. Decreasing
    • C. Term life > 1. Types > c. Return of premium
    • C. Term life > 1. Types > d. Annually renewable
    • C. Term life > 2. Special features
    • C. Term life > 2. Special features > a. Renewable
    • C. Term life > 2. Special features > b. Convertible
    • D. Annuities
    • D. Annuities > 1. Single and flexible premium
    • D. Annuities > 2. Immediate and deferred
    • D. Annuities > 3. Fixed and variable
    • D. Annuities > 4. Indexed
    • D. Annuities > 5. Accumulation and Annuity Periods
    • D. Annuities > 6. Payout options
    • E. Combination plans and variations
    • E. Combination plans and variations > 1. Joint life (first to die)
    • E. Combination plans and variations > 2. Survivorship life (second to die)
  • Life—General Knowledge: II. LIFE PROVISIONS, RIDERS, OPTIONS, AND EXCLUSIONS (15 scoreable questions)
    • A. Policy riders
    • A. Policy riders > 1. Waiver of premium and waiver of monthly deduction
    • A. Policy riders > 2. Guaranteed insurability
    • A. Policy riders > 3. Payor benefit
    • A. Policy riders > 4. Accidental death and/or accidental death and dismemberment
    • A. Policy riders > 5. Term riders
    • A. Policy riders > 6. Other insureds
    • A. Policy riders > 7. Long term care
    • A. Policy riders > 8. Return of premium
    • A. Policy riders > 9. Disability
    • A. Policy riders > 10. Cost of Living
    • B. Policy provisions and options
    • B. Policy provisions and options > 1. Entire contract
    • B. Policy provisions and options > 2. Insuring clause
    • B. Policy provisions and options > 3. Free look
    • B. Policy provisions and options > 4. Consideration
    • B. Policy provisions and options > 5. Owner’s rights
    • B. Policy provisions and options > 6. Beneficiary designations
    • B. Policy provisions and options > 6. Beneficiary designations > a. Primary and contingent
    • B. Policy provisions and options > 6. Beneficiary designations > b. Revocable and irrevocable
    • B. Policy provisions and options > 6. Beneficiary designations > c. Common disaster
    • B. Policy provisions and options > 6. Beneficiary designations > d. Minor beneficiaries
    • B. Policy provisions and options > 6. Beneficiary designations > e. Designation by class
    • B. Policy provisions and options > 7. Premium Payment
    • B. Policy provisions and options > 7. Premium Payment > a. Modes
    • B. Policy provisions and options > 7. Premium Payment > b. Grace period
    • B. Policy provisions and options > 7. Premium Payment > c. Automatic premium loan
    • B. Policy provisions and options > 7. Premium Payment > d. Level or flexible
    • B. Policy provisions and options > 8. Reinstatement
    • B. Policy provisions and options > 9. Policy loans, withdrawals, partial surrenders
    • B. Policy provisions and options > 10. Non-forfeiture options
    • B. Policy provisions and options > 11. Dividends and dividend options (eg. participating, non-participating)
    • B. Policy provisions and options > 12. Incontestability
    • B. Policy provisions and options > 13. Assignments
    • B. Policy provisions and options > 14. Suicide
    • B. Policy provisions and options > 15. Misstatement of age and gender
    • B. Policy provisions and options > 16. Settlement options
    • B. Policy provisions and options > 17. Accelerated death benefits
    • C. Policy exclusions
    • C. Policy exclusions > 1. War
    • C. Policy exclusions > 2. Aviation
    • C. Policy exclusions > 3. Dangerous Occupation
  • Life—General Knowledge: III. COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICES (12 scoreable questions)
    • A. Completing the application
    • A. Completing the application > 1. Required signatures
    • A. Completing the application > 2. Changes in the application
    • A. Completing the application > 3. Consequences of incomplete applications
    • A. Completing the application > 4. Warranties and representations
    • A. Completing the application > 5. Collecting the initial premium and issuing the receipt
    • A. Completing the application > 6. Replacement
    • A. Completing the application > 7. Disclosures at point of sale (e.g., HIPAA, HIV consent)
    • A. Completing the application > 8. USA PATRIOT Act/anti-money laundering
    • A. Completing the application > 9. Gramm-Leach-Bliley Act (GLBA) Privacy
    • B. Underwriting
    • B. Underwriting > 1. Insurable interest
    • B. Underwriting > 2. Medical information and consumer reports
    • B. Underwriting > 3. Fair Credit Reporting Act
    • B. Underwriting > 4. Risk classification
    • B. Underwriting > 5. Stranger/Investor-owned life insurance (STOLI/IOLI)
    • C. Delivering the policy
    • C. Delivering the policy > 1. When coverage begins
    • C. Delivering the policy > 2. Explaining the policy and its provisions, riders, exclusions, and ratings to the client
    • D. Contract law
    • D. Contract law > 1. Elements of a contract
    • D. Contract law > 1. Elements of a contract > a. Consideration
    • D. Contract law > 1. Elements of a contract > b. Offer and Acceptance
    • D. Contract law > 1. Elements of a contract > c. Competent parties
    • D. Contract law > 1. Elements of a contract > d. Legal purpose
    • D. Contract law > 2. Unique aspects of the insurance contract
    • D. Contract law > 2. Unique aspects of the insurance contract > a. Conditional
    • D. Contract law > 2. Unique aspects of the insurance contract > b. Unilateral
    • D. Contract law > 2. Unique aspects of the insurance contract > c. Adhesion
    • D. Contract law > 2. Unique aspects of the insurance contract > d. Aleatory
  • Life—General Knowledge: IV. RETIREMENT AND OTHER INSURANCE CONCEPTS (8 scoreable questions)
    • A. Third-party ownership
    • B. Life Settlements
    • C. Group life insurance
    • C. Group life insurance > 1. Conversion privilege
    • C. Group life insurance > 2. Contributory vs. noncontributory
    • D. Retirement plans
    • D. Retirement plans > 1. Qualified plans
    • D. Retirement plans > 2. Nonqualified plans
    • E. Life insurance needs analysis/suitability
    • E. Life insurance needs analysis/suitability > 1. Personal insurance needs
    • E. Life insurance needs analysis/suitability > 2. Business insurance needs
    • E. Life insurance needs analysis/suitability > 2. Business insurance needs > a. Key person
    • E. Life insurance needs analysis/suitability > 2. Business insurance needs > b. Buy sell
    • F. Social Security benefits
    • G. Tax treatment of insurance premiums, proceeds, and dividends
    • G. Tax treatment of insurance premiums, proceeds, and dividends > 1. Individual life
    • G. Tax treatment of insurance premiums, proceeds, and dividends > 2. Group life
    • G. Tax treatment of insurance premiums, proceeds, and dividends > 3. Modified Endowment Contracts (MECs)
  • Life—Hawaii Specific: I. HAWAII LAWS AND RULES COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE (23 scoreable questions)
    • A. Insurance Commissioner
    • A. Insurance Commissioner > 1. General powers and duties
    • A. Insurance Commissioner > 2. Examination of records
    • A. Insurance Commissioner > 3. Notice of hearings
    • A. Insurance Commissioner > 4. Penalties
    • B. Definitions
    • B. Definitions > 1. Authorized and unauthorized
    • B. Definitions > 2. Domestic, foreign, and alien
    • B. Definitions > 3. Stock, reciprocal and mutual
    • B. Definitions > 4. Certificate of authority
    • B. Definitions > 5. Insurance
    • C. Licensing
    • C. Licensing > 1. General qualifications for licensing
    • C. Licensing > 2. Persons required to be licensed
    • C. Licensing > 2. Persons required to be licensed > a. Producer
    • C. Licensing > 2. Persons required to be licensed > b. Temporary license
    • C. Licensing > 2. Persons required to be licensed > c. Nonresident
    • C. Licensing > 2. Persons required to be licensed > d. Exemptions
    • C. Licensing > 3. Denial, suspension, revocation of licenses
    • C. Licensing > 4. Renewal of license and continuing education
    • D. Marketing practices
    • D. Marketing practices > 1. Unfair and deceptive practices
    • D. Marketing practices > 2. Reporting and accounting for premiums
    • D. Marketing practices > 3. Sharing commissions
    • D. Marketing practices > 4. Required records and record retention
    • D. Marketing practices > 5. Controlled business
    • D. Marketing practices > 6. Premiums
    • E. Guaranty Associations
  • Life—Hawaii Specific: II. HAWAII LAWS AND RULES PERTINENT TO LIFE INSURANCE ONLY (12 scoreable questions)
    • A. Marketing methods and practices
    • A. Marketing methods and practices > 1. Replacement
    • A. Marketing methods and practices > 1. Replacement > a. Definition
    • A. Marketing methods and practices > 1. Replacement > b. Duties of producers
    • A. Marketing methods and practices > 1. Replacement > c. Duties of insurers that use producers
    • A. Marketing methods and practices > 1. Replacement > d. Duties of replacing insurers that use producers
    • A. Marketing methods and practices > 1. Replacement > e. Duties of the existing insurer
    • A. Marketing methods and practices > 2. Annuities
    • A. Marketing methods and practices > 2. Annuities > a. Disclosure
    • A. Marketing methods and practices > 2. Annuities > b. Suitability
    • B. Variable Contracts
    • C. Policy Clauses and Provisions
    • C. Policy Clauses and Provisions > 1. Protection of beneficiaries from creditors
    • C. Policy Clauses and Provisions > 2. Policy loan interest rate
    • C. Policy Clauses and Provisions > 3. Spouse’s rights
    • D. Group Life
    • D. Group Life > 1. Group requirements
    • D. Group Life > 2. Assignment of proceeds
    • D. Group Life > 3. Conversion
    • E. Participation in Surplus
    • F. Credit Life
Examination sources