How to Get Your Hawaii Insurance License in 2026
Hawaii has no mandatory pre-licensing hours. Pass the Pearson VUE exam, complete Fieldprint fingerprinting, and apply. Hawaii offers unique opportunities: the nation's only employer health mandate (Prepaid Health Care Act), $1M+ median home values on Oahu, and specialized lava zone property coverage.
Exam Prep Cost
$139 – $299
Time to License
2 – 4 weeks
Avg HI Salary
$70,000/yr
Exam Only
No pre-lic required
No Mandatory Pre-Licensing: Hawaii has no required pre-licensing hours. Exam prep is optional but strongly recommended — Hawaii's unique state laws (Prepaid Health Care Act, lava zones, no-fault auto) require dedicated study.
Unique Renewal Date: Hawaii licenses expire on the 16th day of your birth month every 2 years — your renewal date is personalized. Mark your calendar and complete 24 CE hours (3 ethics) before your renewal date.
Top 3 Hawaii Insurance Exam Prep Courses
1. ExamFXBest Value
94–99% pass rate. HI-specific content including Prepaid Health Care Act. Three tiers: Self-Study ($169.95), Video ($219.95), Live Online ($299.95). Pass guarantee.
From $169.95
L&H Self-Study
2. A.D. BankerPass Guarantee
Silver $169.95 / Gold $196.90 / Platinum $296.85. Pass Guarantee on every tier. 6-month access — ideal for busy professionals.
From $169.95
Silver Package
3. Kaplan Financial EducationMost Comprehensive
4 tiers from $139 to $349. Covers Prepaid Health Care Act, lava zone P&C, and HI no-fault auto. Career Launcher includes Insurance Accelerator course.
From $139
Basic Self-Study
Best Hawaii Insurance Exam Prep Courses
All 5 schools are Hawaii HI Insurance Division-approved. Price: Low to High.
Quick Price Comparison (Course Only)
WebCE
Starting at
$109.95
- Exam Prep Only — does not satisfy HI pre-licensing requirement
- Most affordable HI exam prep starting at $109.95
- Flash Tutor flashcards and Exam Tutor practice tests included
- 94% pass rate claim
Available Packages (2)
Exam Prep Complete Package (40hr L&H)
- HI L&H exam prep (state-specific content)
- Exam Tutor unlimited practice tests
- Flash Tutor flashcards
- 90-day access
Kaplan Financial Education
Most ComprehensiveStarting at
$139
- Exam Prep Only -- Hawaii has no pre-licensing requirement
- Most comprehensive HI exam prep — covers Prepaid Health Care Act, lava zones, no-fault auto
- Career Launcher includes Insurance Accelerator career course (12-mo access)
- HI L&H and P&C — 4 tiers from $139 to $349
Available Packages (8)
Life & Health — Basic ($139)
- HI L&H exam prep (HI-specific content)
- QBank practice questions
- Mastery exam simulation
- 60-day access
ExamFX
Best ValueStarting at
$169.95
- Exam Prep Only -- Hawaii has no pre-licensing requirement
- 94–99% pass rate claim; covers Hawaii Prepaid Health Care Act
- Pass guarantee: score 80%+ on readiness exam or get a refund
- HI Life, Health, Property, Casualty, and Personal Lines tracks
Available Packages (9)
Life — Self-Study
- HI Life exam prep (state-specific content)
- Online self-study portal (60 days)
- Practice exams and readiness exam
- Instructor support included
A.D. Banker
Pass GuaranteeStarting at
$169.95
- Exam Prep Only -- Hawaii has no pre-licensing requirement
- Pass Guarantee on every tier
- Silver $169.95 / Gold $196.90 / Platinum $296.85
- HI Life & Health and P&C exam prep available
Available Packages (3)
Silver (L&H or P&C)
- HI exam prep (state-specific content)
- Online self-paced format
- 6-month access
- Pass Guarantee included
Xcel Solutions
Starting at
$199
- Exam Prep Only -- Hawaii has no pre-licensing requirement
- Two clear tiers: Standard $199 / Premier $299
- Premier includes Prepared to Pass guarantee
- HI L&H and P&C exam prep tracks available
Available Packages (4)
L&H — Standard
- HI L&H exam prep
- Core course + practice exams
- HI-specific content
- Online self-study format
Prices verified March 2026. Prices may change. Always confirm current pricing on the school's website before enrolling.
What Makes Hawaii's Insurance Market Unique
Prepaid Health Care Act
The ONLY state requiring most employers to provide group health insurance. Creates a robust, mandated employer health market and makes the Accident & Health license especially valuable.
Highest Home Values in the US
Oahu's median home value exceeds $1.07M — the highest in the nation. High-value homeowners policies generate strong P&C commissions in every sale.
Lava Zone Property Coverage
Big Island lava hazard zones create specialized coverage requirements unavailable elsewhere. Surplus lines and state programs serve zones 1 & 2. Unique expertise with high value.
Ocean Marine & Resort Insurance
Hawaii's tourism economy, Maui luxury resorts, and fishing/maritime industries create commercial marine opportunities not found in most mainland markets.
How Much Do Hawaii Insurance Agents Earn?
HI Average
$70,000/yr
Source: Indeed / ZipRecruiter (2025)
Top Producers
$100,000–$182,000+
High-net-worth L&H and luxury P&C specialists
Top Hawaii Insurance Markets
How to Get Your Hawaii Insurance License
Choose Your License Lines
Hawaii issues separate licenses: Life (life insurance, annuities); Accident, Health or Sickness (health, disability, LTC, Medicare — especially valuable due to the Prepaid Health Care Act); Property (home, commercial property, lava zone coverage); Casualty (auto, liability, workers' comp); or Personal Lines (personal auto and homeowners only). Separate exams and $75 fees apply per line.
Complete Exam Prep (Strongly Recommended)
No hours required, but Hawaii's unique laws demand dedicated preparation. Focus on: the Prepaid Health Care Act (for L&H), lava zone property classifications (for P&C), mandatory no-fault auto PIP, and Hawaii insurance regulations. Kaplan, ExamFX, and A.D. Banker all offer Hawaii-specific content.
Complete Fieldprint Hawaii Fingerprinting
Schedule at fieldprinthawaii.com using code HI-DCCA-INS. Fee: ~$63–$67 (covers both state and federal/FBI checks). Bring ID matching your insurance application name exactly. DCCA will not issue your license until the background check clears — schedule early.
Pass the Pearson VUE Exam(s)
Schedule at home.pearsonvue.com/hi/insurance or call (888) 226-7462. Fee: $75 per exam per attempt. A score of 70% is required. Online proctored testing (OnVUE) is available. Tip: If pursuing both Life and A&H, schedule them back-to-back at the same test center to minimize travel.
Apply via NIPR or Sircon
Apply at nipr.com or sircon.com. Application fee is approximately $155 (pro-rated by your date of birth and renewal cycle). Exam scores are valid for 12 months — apply within this window.
Get Appointed and Track Your Renewal Date
Once licensed, get appointed by a carrier or agency. Critical: your Hawaii license expires on the 16th day of your birth month every 2 years. Set a calendar reminder at least 3 months in advance to complete 24 CE hours (3 ethics) before your renewal date. Annuity sellers must also complete state-specific annuity suitability training.
Hawaii Insurance License Requirements
Eligibility
- Must be at least 18 years old
- Fieldprint Hawaii fingerprinting required (HI-DCCA-INS)
- No pre-licensing education required
- No college degree required
Pearson VUE Exam
- $75 per exam, per attempt
- 70% passing score required
- Separate exam per line of authority
- Online proctored (OnVUE) available
Application
- Apply via NIPR or Sircon
- ~$155 application fee (pro-rated by DOB)
- Fieldprint HI fingerprinting: ~$63–$67
- Apply within 12 months of passing exam
Renewal (Unique!)
- 24 CE hours per 2-year cycle (3 ethics)
- Expires on 16th day of birth month biennially
- Annuity suitability training if selling annuities
- LTC product training if selling LTC
Hawaii Insurance License FAQ
Does Hawaii require pre-licensing education to get an insurance license?
No. Hawaii does not require any mandatory pre-licensing education hours. You can sit for the Pearson VUE state licensing exam without completing a course first. However, Hawaii has unique insurance laws — including the Prepaid Health Care Act (mandatory employer group health coverage), lava zone property insurance requirements, and mandatory no-fault auto — that most candidates find challenging without dedicated exam prep. Courses from Kaplan, ExamFX, and A.D. Banker all cover Hawaii-specific content.
What is unique about Hawaii's insurance license renewal structure?
Hawaii is one of the only states with personalized renewal dates. Your license expires on the 16th day of your birth month, on a biennial (every 2 years) cycle. This means your renewal date is unique to you — not a fixed statewide date. Mark your calendar carefully. You must complete 24 CE hours (including 3 ethics hours) before your renewal date. If you sell annuities or long-term care, additional state-specific training is also required.
What is the Hawaii Prepaid Health Care Act and why does it matter?
Hawaii's Prepaid Health Care Act (enacted 1974) requires most Hawaii employers to provide group health insurance to employees working 20+ hours per week. This law — unique to Hawaii nationally — creates a large, mandated employer-sponsored health market. Agents who understand the Act's requirements, exemptions, and employer compliance issues are in high demand among Hawaii's small and mid-sized businesses. The Act is also tested on the Hawaii Accident, Health or Sickness licensing exam.
How much does it cost to get a Hawaii insurance license?
For a single line of authority: optional prep course ($139–$299) + Pearson VUE exam ($75) + application (~$155 pro-rated by DOB) + Fieldprint fingerprinting ($63–$67) = approximately $432–$596. For both Life and Health (two exams): add a second $75 exam fee, bringing the total to roughly $507–$671. Hawaii's application fee is among the higher in the US due to the full biennial term being billed upfront.
How long does it take to get a Hawaii insurance license?
Since no mandatory pre-licensing hours are required, the timeline is mainly driven by study pace and background check processing. Most candidates complete the process in 2–4 weeks: 1–2 weeks of exam prep study, a few days to take the Pearson VUE exam(s), and 1–3 weeks for Fieldprint fingerprinting to clear. The main delay is usually the background check — schedule Fieldprint early.
Is fingerprinting required for a Hawaii insurance license?
Yes. All resident applicants must complete fingerprinting through Fieldprint Hawaii at fieldprinthawaii.com using the code HI-DCCA-INS. The fee is approximately $63–$67 (covers both state and federal/FBI background checks). Bring ID that exactly matches the name on your insurance application. Fingerprinting must be completed before your license is issued — the DCCA will not approve your application until the background check clears.
Can I skip the Hawaii insurance exam if I already hold a license in another state?
Hawaii has a special reciprocity provision: if you held a license in another state for the same lines of authority within the past year (or apply within 90 days of cancellation), you may be exempt from both the pre-licensing education and the state exam. You must apply within the specified timeframe and still meet all other Hawaii requirements (fingerprinting, application fee, background check). Verify current terms at cca.hawaii.gov/ins/producers/exam_info.
What makes Hawaii's P&C market different from mainland states?
Several factors make Hawaii's property market unique: lava zones — the Big Island has 9 lava hazard zones; properties in zones 1 and 2 may require surplus lines; hurricane risk; ocean marine and coastal considerations; and Hawaii's very low average homeowners insurance premiums (~$600/year on average despite the highest home values in the US). Agents specializing in high-value Oahu properties ($1M+ median), Maui resort properties, and Big Island lava-zone coverage develop expertise unavailable elsewhere.
How much do insurance agents earn in Hawaii?
Hawaii insurance agents earn an average of $67,555–$73,476 per year based on ZipRecruiter and Indeed data (2025). Glassdoor data shows the 25th–75th percentile range from $79,131 to $141,118, with top earners at $182,000+. Life insurance agents serving Hawaii's high-net-worth and Asian-American communities often earn $90,000–$150,000+. The military community (Pearl Harbor, Kaneohe, Schofield Barracks) represents a significant market for life, health, and auto insurance.
What lines of authority should I get in Hawaii?
Most agents pursue one of two paths: (1) Life + Accident, Health or Sickness — for life insurance, annuities, health insurance, Medicare, and employer group benefits (highly relevant given the Prepaid Health Care Act); or (2) Property + Casualty — for auto, homeowners, commercial, and marine lines. Hawaii issues separate exams for each line ($75 per exam), so pursuing both Life and Health means two separate $75 exam fees. Many agents eventually obtain all four major lines.
Income Disclaimer: Salary figures are estimates based on publicly available data and vary significantly by state, market, experience level, employer type, and individual effort. Past or average earnings are not a guarantee of future results. CertLaunch makes no income guarantees of any kind.
Sources:
Licensing requirements, exam fees, and course availability change frequently. Always verify current requirements with your state licensing board before enrolling or submitting any application. Learn how we source our data.