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Hawaii Health 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 Insurance Producer – Business Entity

Nonresident insurance producer license for business entities requiring an active insurance producer license in the applicant’s home state.

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

Late renewal or reinstatement within twelve months
No examination is required for this applicant pathway.
Time Limit
Inactive within twelve months; pay renewal fee and penalty of twice the unpaid renewal fee and comply with chapter 431.

Official no-examination sources

Effective from 2026-09-22.

Initial nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR and pay applicable fees.
Appointment
Insurer appointment is not required at application but must be in place to do business; submit appointments and terminations electronically through NIPR.
Designated Producer
Designate a licensed Hawaii producer who is a natural person responsible for compliance. Designee may not serve more than one corporation or partnership unless affiliated; HRS §431:9A-106(b).
Home License
Hold a current resident producer license in good standing in the home state for the same requested line.
Line Of Authority
Accident and health or sickness, HRS §431:9A-107(a)(2).
Reciprocity
Home state awards nonresident licenses to Hawaii residents on the same basis.
Uniform Application
Submit home-state application or a completed uniform application.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement as a new applicant after twelve months
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR and pay applicable fees.
Appointment
Insurer appointment is not required at application but must be in place to do business; submit appointments and terminations electronically through NIPR.
Designated Producer
Designate a licensed Hawaii producer who is a natural person responsible for compliance. Designee may not serve more than one corporation or partnership unless affiliated; HRS §431:9A-106(b).
Line Of Authority
Accident and health or sickness, HRS §431:9A-107(a)(2).
Reinstatement
Inactive for more than twelve months: apply as a new applicant and meet initial requirements.

Official no-examination sources

Effective from 2026-09-22.

License renewal
No examination is required for this applicant pathway.
Renewal
Pay renewal fees through NIPR and meet applicable renewal requirements.

Official no-examination sources

Effective from 2026-09-22.

Conversion after moving away from Hawaii
No examination is required for this applicant pathway.
Change Of Residence
File change of address and certification from the new resident authority within thirty days; HRS §431:9A-108(c) imposes no fee or new application.
Designated Producer
Designate a licensed Hawaii producer who is a natural person responsible for compliance. Designee may not serve more than one corporation or partnership unless affiliated; HRS §431:9A-106(b).
Home License
New resident license in good standing and reciprocal treatment apply.
Line Of Authority
Accident and health or sickness.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Insurance Producer – Individual

Individual nonresident insurance producer license for selling, soliciting, or negotiating insurance. Applicants must hold an active home-state insurance producer license.

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

Late renewal or reinstatement within twelve months
No examination is required for this applicant pathway.
Continuing Education
Meet home-state continuing education with reciprocal recognition under HRS §431:9A-116(b).
Time Limit
Inactive within twelve months; pay renewal fee and penalty of twice the unpaid renewal fee and comply with chapter 431.

Official no-examination sources

Effective from 2026-09-22.

Initial nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR and pay applicable fees.
Appointment
Insurer appointment is not required at application but must be in place to do business; submit appointments and terminations electronically through NIPR.
Home License
Hold a current resident producer license in good standing in the home state for the same requested line.
Line Of Authority
Accident and health or sickness, HRS §431:9A-107(a)(2).
Reciprocity
Home state awards nonresident licenses to Hawaii residents on the same basis.
Uniform Application
Submit home-state application or a completed uniform application.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement as a new applicant after twelve months
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR and pay applicable fees.
Appointment
Insurer appointment is not required at application but must be in place to do business; submit appointments and terminations electronically through NIPR.
Home License
Maintain reciprocal resident home-state license in good standing.
Line Of Authority
Accident and health or sickness, HRS §431:9A-107(a)(2).
Reinstatement
Inactive for more than twelve months: apply as a new applicant and meet initial requirements.

Official no-examination sources

Effective from 2026-09-22.

License renewal
No examination is required for this applicant pathway.
Continuing Education
Meet home-state continuing education with reciprocal recognition under HRS §431:9A-116(b).
Renewal
Pay renewal fees through NIPR and meet applicable renewal requirements.

Official no-examination sources

Effective from 2026-09-22.

Conversion after moving away from Hawaii
No examination is required for this applicant pathway.
Change Of Residence
File change of address and certification from the new resident authority within thirty days; HRS §431:9A-108(c) imposes no fee or new application.
Home License
New resident license in good standing and reciprocal treatment apply.
Line Of Authority
Accident and health or sickness.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Producer – Business Entity

Limited travel and/or credit authority matching the home-state license; limited line credit insurance includes credit disability.

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

Initial limited licensure
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Restricted Coverage
Travel and/or credit limited authority; travel covers sickness, accident, disability and death during travel; excludes comprehensive major medical plans exceeding six months. Credit disability is in the statutory limited-credit definition.

Official no-examination sources

Effective from 2026-09-22.

Limited license late renewal within twelve months
No examination is required for this applicant pathway.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Late Renewal
Inactive within one year of expiration; submit electronic late renewal and pay fees and penalties.

Official no-examination sources

Effective from 2026-09-22.

Limited license reinstatement as a new applicant
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Reinstatement
Inactive for more than one year: apply as a new applicant under the same initial limited-license requirements.
Restricted Coverage
Travel and/or credit limited authority; travel covers sickness, accident, disability and death during travel; excludes comprehensive major medical plans exceeding six months. Credit disability is in the statutory limited-credit definition.

Official no-examination sources

Effective from 2026-09-22.

Limited license renewal
No examination is required for this applicant pathway.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Renewal
Renew electronically through NIPR, pay fees and preserve limited-authority eligibility.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Producer – Individual

Permits travel and/or credit lines also held in the producer’s home state, with the same scope of authority as the home-state license.

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

Initial limited licensure
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Restricted Coverage
Travel and/or credit limited authority; travel covers sickness, accident, disability and death during travel; excludes comprehensive major medical plans exceeding six months. Credit disability is in the statutory limited-credit definition.

Official no-examination sources

Effective from 2026-09-22.

Limited license late renewal within twelve months
No examination is required for this applicant pathway.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Late Renewal
Inactive within one year of expiration; submit electronic late renewal and pay fees and penalties.

Official no-examination sources

Effective from 2026-09-22.

Limited license reinstatement as a new applicant
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Reinstatement
Inactive for more than one year: apply as a new applicant under the same initial limited-license requirements.
Restricted Coverage
Travel and/or credit limited authority; travel covers sickness, accident, disability and death during travel; excludes comprehensive major medical plans exceeding six months. Credit disability is in the statutory limited-credit definition.

Official no-examination sources

Effective from 2026-09-22.

Limited license renewal
No examination is required for this applicant pathway.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Renewal
Renew electronically through NIPR, pay fees and preserve limited-authority eligibility.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Producer Car Rental – Business Entity

Limited rental producer authority includes personal accident and health or sickness protection incidental to rentals under HRS §431:9A-142(b)(3)(A).

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

Initial limited licensure
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Disclosures
Provide coverage brochures, disclose optional purchase and duplicate coverage, identify insurer and claims process, record coverages elected/declined; comply with chapter 437D.
Employee Training
Train employees who solicit and sell coverages; employees act under company supervision.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Rental Company
Applicant is a motor vehicle rental company under HRS §431:9A-141; rental periods no longer than ninety days.
Restricted Coverage
Only coverage incidental to motor vehicle rental; personal accident and medical expenses during rental period, HRS §431:9A-142(b)(3)(A).

Official no-examination sources

Effective from 2026-09-22.

Limited license late renewal within twelve months
No examination is required for this applicant pathway.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Late Renewal
Inactive within one year of expiration; submit electronic late renewal and pay fees and penalties.

Official no-examination sources

Effective from 2026-09-22.

Limited license reinstatement as a new applicant
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Disclosures
Provide coverage brochures, disclose optional purchase and duplicate coverage, identify insurer and claims process, record coverages elected/declined; comply with chapter 437D.
Employee Training
Train employees who solicit and sell coverages; employees act under company supervision.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Reinstatement
Inactive for more than one year: apply as a new applicant under the same initial limited-license requirements.
Rental Company
Applicant is a motor vehicle rental company under HRS §431:9A-141; rental periods no longer than ninety days.
Restricted Coverage
Only coverage incidental to motor vehicle rental; personal accident and medical expenses during rental period, HRS §431:9A-142(b)(3)(A).

Official no-examination sources

Effective from 2026-09-22.

Limited license renewal
No examination is required for this applicant pathway.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Renewal
Renew electronically through NIPR, pay fees and preserve limited-authority eligibility.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Producer Car Rental – Individual

Limited rental producer authority includes personal accident and health or sickness protection incidental to rentals under HRS §431:9A-142(b)(3)(A).

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

Initial limited licensure
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Disclosures
Provide coverage brochures, disclose optional purchase and duplicate coverage, identify insurer and claims process, record coverages elected/declined; comply with chapter 437D.
Employee Training
Train employees who solicit and sell coverages; employees act under company supervision.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Rental Company
Applicant is a motor vehicle rental company under HRS §431:9A-141; rental periods no longer than ninety days.
Restricted Coverage
Only coverage incidental to motor vehicle rental; personal accident and medical expenses during rental period, HRS §431:9A-142(b)(3)(A).

Official no-examination sources

Effective from 2026-09-22.

Limited license late renewal within twelve months
No examination is required for this applicant pathway.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Late Renewal
Inactive within one year of expiration; submit electronic late renewal and pay fees and penalties.

Official no-examination sources

Effective from 2026-09-22.

Limited license reinstatement as a new applicant
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Disclosures
Provide coverage brochures, disclose optional purchase and duplicate coverage, identify insurer and claims process, record coverages elected/declined; comply with chapter 437D.
Employee Training
Train employees who solicit and sell coverages; employees act under company supervision.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Reinstatement
Inactive for more than one year: apply as a new applicant under the same initial limited-license requirements.
Rental Company
Applicant is a motor vehicle rental company under HRS §431:9A-141; rental periods no longer than ninety days.
Restricted Coverage
Only coverage incidental to motor vehicle rental; personal accident and medical expenses during rental period, HRS §431:9A-142(b)(3)(A).

Official no-examination sources

Effective from 2026-09-22.

Limited license renewal
No examination is required for this applicant pathway.
Home License
Hold an active equivalent resident license or the same requested limited line in the home state, with reciprocal treatment; Hawaii authority has the home-license scope.
Renewal
Renew electronically through NIPR, pay fees and preserve limited-authority eligibility.

Official no-examination sources

Effective from 2026-09-22.

Resident Insurance Producer – Business Entity

Insurance producer authority for accident and health or sickness under HRS §431:9A-107(a)(2).

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

Initial business entity licensure
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR and pay applicable fees.
Appointment
Insurer appointment is not required at application but must be in place to do business; submit appointments and terminations electronically through NIPR.
Designated Producer
Designate a licensed Hawaii producer who is a natural person responsible for compliance. Designee may not serve more than one corporation or partnership unless affiliated; HRS §431:9A-106(b).
Line Of Authority
Accident and health or sickness, HRS §431:9A-107(a)(2).

Official no-examination sources

Effective from 2026-09-22.

Late renewal or reinstatement within twelve months
No examination is required for this applicant pathway.
Time Limit
Inactive within twelve months; pay renewal fee and penalty of twice the unpaid renewal fee and comply with chapter 431.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement as a new applicant after twelve months
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR and pay applicable fees.
Appointment
Insurer appointment is not required at application but must be in place to do business; submit appointments and terminations electronically through NIPR.
Designated Producer
Designate a licensed Hawaii producer who is a natural person responsible for compliance. Designee may not serve more than one corporation or partnership unless affiliated; HRS §431:9A-106(b).
Line Of Authority
Accident and health or sickness, HRS §431:9A-107(a)(2).
Reinstatement
Inactive for more than twelve months: apply as a new applicant and meet initial requirements.

Official no-examination sources

Effective from 2026-09-22.

License renewal
No examination is required for this applicant pathway.
Renewal
Pay renewal fees through NIPR and meet applicable renewal requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident Insurance Producer – Individual

Insurance producer authority for accident and health or sickness under HRS §431:9A-107(a)(2).

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

Reactivation after continuing education inactivation
No examination is required for this applicant pathway.
Continuing Education
Complete twenty-four credits: twenty-one line-related and three ethics or insurance law/rules; if also holding the other statutory line group, allocation is ten/eleven/three. Statutory equivalents and advance or military-duty extensions apply under HRS §431:9A-124.
Time Limit
Within twelve months of inactivation, submit proof of requisite completed credits and pay fees and penalties.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure by examination
Accident & Health and Sickness
Application
Apply electronically through NIPR and pay applicable fees.
Appointment
Insurer appointment is not required at application but must be in place to do business; submit appointments and terminations electronically through NIPR.
Eligibility
No conduct constituting a licensure sanction under HRS §431:9A-112; uniform application statements must be true, accurate and complete.
Fingerprints
Submit fingerprints for national and state criminal history checks; Fieldprint code HI-DCCA-INS.
Line Of Authority
Accident and health or sickness, HRS §431:9A-107(a)(2).
Minimum Age
At least 18 years old, HRS §431:9A-106(a)(1).
Score Age
Pass the applicable examination within the two years immediately preceding issuance, HRS §§431:9A-105(d), 106(a)(4).
Waiver
Commissioner may waive a requirement on written request and good cause under HRS §431:9A-130; this is a condition, with the identified current examination retained.
Late renewal or reinstatement within twelve months
No examination is required for this applicant pathway.
Continuing Education
Complete twenty-four credits: twenty-one line-related and three ethics or insurance law/rules; if also holding the other statutory line group, allocation is ten/eleven/three. Statutory equivalents and advance or military-duty extensions apply under HRS §431:9A-124.
Time Limit
Inactive within twelve months; pay renewal fee and penalty of twice the unpaid renewal fee and comply with chapter 431.

Official no-examination sources

Effective from 2026-09-22.

Resident issuance after recent license cancellation elsewhere
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR and pay applicable fees.
Appointment
Insurer appointment is not required at application but must be in place to do business; submit appointments and terminations electronically through NIPR.
Eligibility
No conduct constituting a licensure sanction under HRS §431:9A-112; uniform application statements must be true, accurate and complete.
Fingerprints
Submit fingerprints for national and state criminal history checks; Fieldprint code HI-DCCA-INS.
Line Of Authority
Accident and health or sickness, HRS §431:9A-107(a)(2).
Minimum Age
At least 18 years old, HRS §431:9A-106(a)(1).
Prior License
Application received within ninety days of prior license cancellation; prior authority certifies good standing at cancellation or NAIC producer database confirms it.

Official no-examination sources

Effective from 2026-09-22.

Resident issuance based on current licensure held elsewhere
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR and pay applicable fees.
Appointment
Insurer appointment is not required at application but must be in place to do business; submit appointments and terminations electronically through NIPR.
Eligibility
No conduct constituting a licensure sanction under HRS §431:9A-112; uniform application statements must be true, accurate and complete.
Fingerprints
Submit fingerprints for national and state criminal history checks; Fieldprint code HI-DCCA-INS.
Line Of Authority
Accident and health or sickness, HRS §431:9A-107(a)(2).
Minimum Age
At least 18 years old, HRS §431:9A-106(a)(1).
Prior License
Currently licensed in good standing elsewhere for the same line; official certification or NAIC database confirms standing.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement as a new applicant after twelve months
Accident & Health and Sickness
Application
Apply electronically through NIPR and pay applicable fees.
Appointment
Insurer appointment is not required at application but must be in place to do business; submit appointments and terminations electronically through NIPR.
Eligibility
No conduct constituting a licensure sanction under HRS §431:9A-112; uniform application statements must be true, accurate and complete.
Fingerprints
Submit fingerprints for national and state criminal history checks; Fieldprint code HI-DCCA-INS.
Handbook Conflict
Pearson rev01/2026 p. 3 states: "Applicants who held an insurance license in this state within the last two year period;" as an examination exemption. HRS §§431:9A-107(c), 124(h), and Memorandum 2021-9LIC control with twelve months. A passing score within two years remains acceptable under §431:9A-106(a)(4).
Line Of Authority
Accident and health or sickness, HRS §431:9A-107(a)(2).
Military Or Extenuating Circumstances
Under HRS §431:9A-107(d), commissioner may waive renewal procedures, an examination requirement or sanctions for military service or an extenuating circumstance; the identified examination remains a leaf.
Minimum Age
At least 18 years old, HRS §431:9A-106(a)(1).
Reinstatement
Inactive for more than twelve months: apply as a new applicant and meet initial requirements.
Score Age
Pass the applicable examination within the two years immediately preceding issuance, HRS §§431:9A-105(d), 106(a)(4).
Waiver
Commissioner may waive a requirement on written request and good cause under HRS §431:9A-130; this is a condition, with the identified current examination retained.
License renewal
No examination is required for this applicant pathway.
Continuing Education
Complete twenty-four credits: twenty-one line-related and three ethics or insurance law/rules; if also holding the other statutory line group, allocation is ten/eleven/three. Statutory equivalents and advance or military-duty extensions apply under HRS §431:9A-124.
Renewal
Pay renewal fees through NIPR and meet applicable renewal requirements.

Official no-examination sources

Effective from 2026-09-22.

Transfer to Hawaii resident licensure
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR and pay applicable fees.
Appointment
Insurer appointment is not required at application but must be in place to do business; submit appointments and terminations electronically through NIPR.
Eligibility
No conduct constituting a licensure sanction under HRS §431:9A-112; uniform application statements must be true, accurate and complete.
Fingerprints
Submit fingerprints for national and state criminal history checks; Fieldprint code HI-DCCA-INS.
Line Of Authority
Accident and health or sickness, HRS §431:9A-107(a)(2).
Minimum Age
At least 18 years old, HRS §431:9A-106(a)(1).
Prior License
Apply within ninety days of establishing Hawaii residence to obtain the same line previously held; no examination except where the commissioner determines otherwise by rule.

Official no-examination sources

Effective from 2026-09-22.

Resident Limited Lines Producer – Business Entity

Resident limited lines producer license for business entities, with travel and/or credit lines of authority.

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

Initial limited licensure
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Restricted Coverage
Travel and/or credit limited authority; travel covers sickness, accident, disability and death during travel; excludes comprehensive major medical plans exceeding six months. Credit disability is in the statutory limited-credit definition.

Official no-examination sources

Effective from 2026-09-22.

Limited license late renewal within twelve months
No examination is required for this applicant pathway.
Late Renewal
Inactive within one year of expiration; submit electronic late renewal and pay fees and penalties.

Official no-examination sources

Effective from 2026-09-22.

Limited license reinstatement as a new applicant
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Reinstatement
Inactive for more than one year: apply as a new applicant under the same initial limited-license requirements.
Restricted Coverage
Travel and/or credit limited authority; travel covers sickness, accident, disability and death during travel; excludes comprehensive major medical plans exceeding six months. Credit disability is in the statutory limited-credit definition.

Official no-examination sources

Effective from 2026-09-22.

Limited license renewal
No examination is required for this applicant pathway.
Renewal
Renew electronically through NIPR, pay fees and preserve limited-authority eligibility.

Official no-examination sources

Effective from 2026-09-22.

Resident Limited Lines Producer – Individual

Limited travel and/or credit insurance authority. Travel coverage includes sickness, accident, disability or death during travel; credit insurance includes credit disability.

Licensing authority: Insurance Division · Application information

Initial limited licensure
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Fingerprints
Submit fingerprints using Fieldprint code HI-DCCA-INS before applying.
Restricted Coverage
Travel and/or credit limited authority; travel covers sickness, accident, disability and death during travel; excludes comprehensive major medical plans exceeding six months. Credit disability is in the statutory limited-credit definition.

Official no-examination sources

Effective from 2026-09-22.

Limited license late renewal within twelve months
No examination is required for this applicant pathway.
Late Renewal
Inactive within one year of expiration; submit electronic late renewal and pay fees and penalties.

Official no-examination sources

Effective from 2026-09-22.

Limited license reinstatement as a new applicant
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Fingerprints
Submit fingerprints using Fieldprint code HI-DCCA-INS before applying.
Reinstatement
Inactive for more than one year: apply as a new applicant under the same initial limited-license requirements.
Restricted Coverage
Travel and/or credit limited authority; travel covers sickness, accident, disability and death during travel; excludes comprehensive major medical plans exceeding six months. Credit disability is in the statutory limited-credit definition.

Official no-examination sources

Effective from 2026-09-22.

Limited license renewal
No examination is required for this applicant pathway.
Renewal
Renew electronically through NIPR, pay fees and preserve limited-authority eligibility.

Official no-examination sources

Effective from 2026-09-22.

Resident Limited Lines Producer Car Rental – Business Entity

Limited rental producer authority includes personal accident and health or sickness protection incidental to rentals under HRS §431:9A-142(b)(3)(A).

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

Initial limited licensure
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Disclosures
Provide coverage brochures, disclose optional purchase and duplicate coverage, identify insurer and claims process, record coverages elected/declined; comply with chapter 437D.
Employee Training
Train employees who solicit and sell coverages; employees act under company supervision.
Rental Company
Applicant is a motor vehicle rental company under HRS §431:9A-141; rental periods no longer than ninety days.
Restricted Coverage
Only coverage incidental to motor vehicle rental; personal accident and medical expenses during rental period, HRS §431:9A-142(b)(3)(A).

Official no-examination sources

Effective from 2026-09-22.

Limited license late renewal within twelve months
No examination is required for this applicant pathway.
Late Renewal
Inactive within one year of expiration; submit electronic late renewal and pay fees and penalties.

Official no-examination sources

Effective from 2026-09-22.

Limited license reinstatement as a new applicant
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Disclosures
Provide coverage brochures, disclose optional purchase and duplicate coverage, identify insurer and claims process, record coverages elected/declined; comply with chapter 437D.
Employee Training
Train employees who solicit and sell coverages; employees act under company supervision.
Reinstatement
Inactive for more than one year: apply as a new applicant under the same initial limited-license requirements.
Rental Company
Applicant is a motor vehicle rental company under HRS §431:9A-141; rental periods no longer than ninety days.
Restricted Coverage
Only coverage incidental to motor vehicle rental; personal accident and medical expenses during rental period, HRS §431:9A-142(b)(3)(A).

Official no-examination sources

Effective from 2026-09-22.

Limited license renewal
No examination is required for this applicant pathway.
Renewal
Renew electronically through NIPR, pay fees and preserve limited-authority eligibility.

Official no-examination sources

Effective from 2026-09-22.

Resident Limited Lines Producer Car Rental – Individual

Limited rental producer authority includes personal accident and health or sickness protection incidental to rentals under HRS §431:9A-142(b)(3)(A).

Licensing authority: Insurance Division · Application information

Initial limited licensure
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Disclosures
Provide coverage brochures, disclose optional purchase and duplicate coverage, identify insurer and claims process, record coverages elected/declined; comply with chapter 437D.
Employee Training
Train employees who solicit and sell coverages; employees act under company supervision.
Fingerprints
Submit fingerprints using Fieldprint code HI-DCCA-INS before applying.
Rental Company
Applicant is a motor vehicle rental company under HRS §431:9A-141; rental periods no longer than ninety days.
Restricted Coverage
Only coverage incidental to motor vehicle rental; personal accident and medical expenses during rental period, HRS §431:9A-142(b)(3)(A).

Official no-examination sources

Effective from 2026-09-22.

Limited license late renewal within twelve months
No examination is required for this applicant pathway.
Late Renewal
Inactive within one year of expiration; submit electronic late renewal and pay fees and penalties.

Official no-examination sources

Effective from 2026-09-22.

Limited license reinstatement as a new applicant
No examination is required for this applicant pathway.
Application
Apply and pay fees electronically through NIPR; insurer appointment must be in place before doing business.
Disclosures
Provide coverage brochures, disclose optional purchase and duplicate coverage, identify insurer and claims process, record coverages elected/declined; comply with chapter 437D.
Employee Training
Train employees who solicit and sell coverages; employees act under company supervision.
Fingerprints
Submit fingerprints using Fieldprint code HI-DCCA-INS before applying.
Reinstatement
Inactive for more than one year: apply as a new applicant under the same initial limited-license requirements.
Rental Company
Applicant is a motor vehicle rental company under HRS §431:9A-141; rental periods no longer than ninety days.
Restricted Coverage
Only coverage incidental to motor vehicle rental; personal accident and medical expenses during rental period, HRS §431:9A-142(b)(3)(A).

Official no-examination sources

Effective from 2026-09-22.

Limited license renewal
No examination is required for this applicant pathway.
Renewal
Renew electronically through NIPR, pay fees and preserve limited-authority eligibility.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

Temporary insurance producer license issued at the commissioner's discretion to service an insurance business in specified circumstances, for no more than 180 days without requiring an examination.

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

Temporary licensing: entity member or employee
No examination is required for this applicant pathway.
Applicant Class
Member or employee of a licensed business entity after death or disability of its designated individual.
Duration
Commissioner deems it necessary to service insurance business; no more than 180 days; cannot continue after disposal of business.
Limitations
Commissioner may limit authority, require a suitable licensed producer or insurer sponsor, impose protective conditions, suspend or revoke if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensing: military designee
No examination is required for this applicant pathway.
Applicant Class
Designee of a licensed producer entering United States armed forces active service.
Duration
Commissioner deems it necessary to service insurance business; no more than 180 days; cannot continue after disposal of business.
Limitations
Commissioner may limit authority, require a suitable licensed producer or insurer sponsor, impose protective conditions, suspend or revoke if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensing: public interest
No examination is required for this applicant pathway.
Applicant Class
Other circumstance in which commissioner finds a temporary license best serves the public interest.
Duration
Commissioner deems it necessary to service insurance business; no more than 180 days; cannot continue after disposal of business.
Limitations
Commissioner may limit authority, require a suitable licensed producer or insurer sponsor, impose protective conditions, suspend or revoke if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensing: spouse or representative
No examination is required for this applicant pathway.
Applicant Class
Surviving spouse or court-appointed representative of a deceased or disabled producer; sale, recovery/return, or training/licensing replacement personnel.
Duration
Commissioner deems it necessary to service insurance business; no more than 180 days; cannot continue after disposal of business.
Limitations
Commissioner may limit authority, require a suitable licensed producer or insurer sponsor, impose protective conditions, suspend or revoke if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Accident & Health and Sickness

Provider
Pearson VUE
Format
Computer-based written examination; test center or online proctoring
Exam questions
85 scored questions and 10 pretest questions: general 50 + 5; Hawaii 35 + 5
Time limit
General 75 minutes; Hawaii 45 minutes
Passing score
Scaled score 70
Exam fee
$75
Examination outline
  • I. TYPES OF POLICIES
    • A. Disability income
    • A. Disability income / 1. Individual disability income policy
    • A. Disability income / 2. Business overhead expense policy
    • A. Disability income / 3. Business disability buyout policy
    • A. Disability income / 4. Group disability income policy
    • A. Disability income / 5. Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C. Medical expense insurance / 1. Basic hospital, medical, and surgical policies
    • C. Medical expense insurance / 2. Major medical policies
    • C. Medical expense insurance / 3. Health Maintenance Organizations (HMOs)
    • C. Medical expense insurance / 4. Preferred Provider Organizations (PPOs)
    • C. Medical expense insurance / 5. Point of Service (POS) plans
    • C. Medical expense insurance / 6. Flexible Spending Accounts (FSAs)
    • C. Medical expense insurance / 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C. Medical expense insurance / 8. Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E. Group insurance / 1. Differences between individual and group contracts
    • E. Group insurance / 2. General characteristics
    • E. Group insurance / 3. COBRA
    • F. Individual/Group Long Term Care (LTC)
    • F. Individual/Group Long Term Care (LTC) / 1. Eligibility
    • F. Individual/Group Long Term Care (LTC) / 2. Levels of care
    • G. Other policies
    • G. Other policies / 1. Dental
    • G. Other policies / 2. Vision
    • G. Other policies / 3. Cancer
    • G. Other policies / 4. Critical illness or specified disease
    • G. Other policies / 5. Worksite (employer-sponsored)
    • G. Other policies / 6. Hospital indemnity
    • G. Other policies / 7. Short-term medical
    • G. Other policies / 8. Accident
  • II. POLICY PROVISIONS, CLAUSES, AND RIDERS
    • A. Mandatory and optional provisions
    • A. Mandatory and optional provisions / 1. Entire contract
    • A. Mandatory and optional provisions / 2. Time limit on certain defenses (incontestable)
    • A. Mandatory and optional provisions / 3. Grace period
    • A. Mandatory and optional provisions / 4. Reinstatement
    • A. Mandatory and optional provisions / 5. Notice of claim
    • A. Mandatory and optional provisions / 6. Claim forms
    • A. Mandatory and optional provisions / 7. Proof of loss
    • A. Mandatory and optional provisions / 8. Time of payment of claims
    • A. Mandatory and optional provisions / 9. Payment of claims
    • A. Mandatory and optional provisions / 10. Physical examination and autopsy
    • A. Mandatory and optional provisions / 11. Legal actions
    • A. Mandatory and optional provisions / 12. Change of beneficiary
    • A. Mandatory and optional provisions / 13. Misstatement of age or gender
    • A. Mandatory and optional provisions / 14. Change of occupation
    • A. Mandatory and optional provisions / 15. Illegal occupation
    • A. Mandatory and optional provisions / 16. Relation of earning to insurance
    • B. Other provisions and clauses
    • B. Other provisions and clauses / 1. Insuring clause
    • B. Other provisions and clauses / 2. Free look
    • B. Other provisions and clauses / 3. Consideration clause
    • B. Other provisions and clauses / 4. Probationary period
    • B. Other provisions and clauses / 5. Elimination period
    • B. Other provisions and clauses / 6. Waiver of premium
    • B. Other provisions and clauses / 7. Exclusions and limitations
    • B. Other provisions and clauses / 8. Preexisting conditions
    • B. Other provisions and clauses / 9. Coinsurance
    • B. Other provisions and clauses / 10. Deductibles
    • B. Other provisions and clauses / 11. Eligible expenses
    • B. Other provisions and clauses / 12. Copayments
    • B. Other provisions and clauses / 13. Pre-authorizations and prior approval requirements
    • B. Other provisions and clauses / 14. Usual, reasonable, and customary (URC) charges
    • B. Other provisions and clauses / 15. Lifetime, annual, or per cause maximum benefit limits
    • C. Riders
    • C. Riders / 1. Impairment/exclusions
    • C. Riders / 2. Guaranteed insurability
    • C. Riders / 3. Future increase option
    • D. Rights of renewability
    • D. Rights of renewability / 1. Noncancelable
    • D. Rights of renewability / 2. Cancelable
    • D. Rights of renewability / 3. Guaranteed renewable
  • III. SOCIAL INSURANCE
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • IV. OTHER INSURANCE CONCEPTS
    • A. Total, partial, recurrent and residual disability
    • B. Owner’s rights
    • C. Dependent children benefits
    • D. Primary and contingent beneficiaries
    • E. Modes of premium payments
    • F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • G. Occupational vs. non-occupational
    • H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • I. Managed care
    • J. Workers Compensation
    • K. Subrogation
  • V. FIELD UNDERWRITING PROCEDURES
    • A. Completing the application
    • B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • D. Submitting application (and initial premium if collected) to company for underwriting
    • E. Policy delivery
    • F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • G. Replacement
    • H. Contract law
    • H. Contract law / 1. Elements of a contract
    • H. Contract law / 2. Insurable interest
    • H. Contract law / 3. Warranties and representations
    • H. Contract law / 4. Unique aspects of the insurance contract
    • H. Contract law / 4. Unique aspects of the insurance contract / a. Conditional
    • H. Contract law / 4. Unique aspects of the insurance contract / b. Unilateral
    • H. Contract law / 4. Unique aspects of the insurance contract / c. Adhesion
    • H. Contract law / 4. Unique aspects of the insurance contract / d. Aleatory
  • I. HAWAII LAWS AND RULES COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE
    • 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
  • II. HAWAII LAWS AND RULES PERTINENT TO ACCIDENT AND HEALTH INSURANCE ONLY
    • A. Marketing methods and practices
    • A. Marketing methods and practices / 1. Prepaid health care
    • A. Marketing methods and practices / 2. Temporary Disability Insurance (TDI)
    • B. Policy clauses and provisions
    • B. Policy clauses and provisions / 1. Mandated benefits
    • B. Policy clauses and provisions / 2. Cancellation
    • C. Long Term Care
    • C. Long Term Care / 1. Basic standards
    • C. Long Term Care / 2. Outline of coverage
    • C. Long Term Care / 3. Policy definitions
    • C. Long Term Care / 4. Suitability
Examination sources