Hawaii (HI) Insurance Exam Prep Courses

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If you are unable to pass the exam within your course subscription time, please give us a call at 1-800-870-3130 and we will extend your subscription for free until you pass.

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How To Pass

To get your Hawaii life insurance license or any other license, you must first pass the Hawaii state insurance license exam.

The best way to prepare for the exam is to enroll in a Hawaii insurance license exam prep course through America’s Professor. Our comprehensive online courses teach you everything you need to know to pass the exam.

If you’re like most students, you probably have lots of questions, like how hard is the exam, what score do I need to pass, and how do I sign up? Keep reading for answers to all these questions and more.

Is the Hawaii exam difficult?

All the insurance licensing exams are challenging. Whether you’re testing for a Hawaii Life insurance license or a Property & Casualty insurance license, the exams are designed to test your knowledge of key concepts and terminology.

Test authors often attempt to make the exams even harder—by turning a question into a negative, for example. Or they may write answer choices that are designed to confuse you. The better prepared you are for the exam, the less likely you’ll be thrown off by these tactics.

How many questions are on the Hawaii insurance exam?

The number of questions varies by exam. Exams for single lines of authority (e.g., Life only) have fewer questions than combo exams (e.g., Life, Accident, & Health).

Here are some examples:

• The Life exam has a total of 101 questions and a time limit of 2 hours to complete. The exam includes 85 scorable questions, and 16 “pretest” questions, which do not count toward your score.
• The Property & Casualty exam has a total of 206 questions and a time limit of 4 hours and 15 minutes to complete. The exam includes 174 scorable questions, and 32 “pretest” questions, which do not count toward your score.

Refer to the Hawaii Content Outlines and the Candidate Handbook for more information about the number of questions and time limits for each exam. Both are available for download at: https://home.pearsonvue.com/hi/insurance.

Note: The number of questions is changing slightly for each exam, effective July 18, 2022. See the Hawaii Content Outlines for details.

What score do I need to pass the exam?

In Hawaii, you need a score of 70 to pass any insurance exam you take.

There are two parts to each exam: a general information section and a state-specific section. You need a score of 70 on both parts to pass—the scores are not averaged together.

Your exam will be scored on the spot. You will know right away whether you passed. But you will not be told which questions you got right or wrong.

If you don’t pass on your first try, you can sign up to take the test again after a mandatory waiting period—usually 1-3 days.

Can I take the exam online?

Yes, you can take a proctored exam through OnVUE, a service of Pearson VUE.

“Proctored” means someone monitors you through your computer’s webcam while you take your exam. If this sounds a little uncomfortable, keep in mind that a proctor will also monitor you if you choose to take the exam at an in-person test center.

Learn more about online testing for the Hawaii insurance licensing exam at  https://home.pearsonvue.com/hi/insurance/onvue.

Refer to the Candidate Handbook for in-person test center locations and information about what to bring with you on the day of the exam.

Which exam is hardest?

In looking at the Hawaii Property & Casualty exam vs. the Hawaii Life & Health exam, studies have shown that the Property & Casualty exam tends to be more challenging for students than the Life & Health exam. This is reflected in the first-time pass rate data published by the NAIC. 

All insurance licensing exams are broken up into two sections: a general knowledge section and a state-specific section. Students report that the state-specific portion of the exam is more challenging, as state-specific insurance laws and regulations can get very granular. 

What kinds of questions are on the exam?

The questions on the exam are multiple choice. There are no short answers or fill-in-the-blank questions. But this doesn’t mean they’re easy or intuitive.

The exams cover industry-specific terms like “subrogation” and “indemnity.” These terms are not common knowledge. You don’t hear them in everyday conversation. Yet, you must know what they mean.

The questions are chosen from a large pool, and each exam contains a different set of questions. You will not see the exact same questions as other students.

Our students report that around 1/3 of the questions are on terminology, 1/3 are number/day questions, and 1/3 are situational questions.

When should I start studying?

The experts at America’s Professor recommend that you start studying 10-14 days before your scheduled exam date and dedicate a total of 35-40 hours to studying. This is the typical length of an in-person course, and it’s the amount of time most students need to fully grasp the material.

Find a quiet, distraction-free place to study and put yourself on a strict study schedule. Continue studying right up until the day of your exam, but don’t wait until the last minute to cram—research shows this is the worst way to study.

There is a lot of information to get through in preparation for your exam. Give yourself plenty of time to study.

Why should I take an AP course?

America’s Professor has been helping students get ready for their insurance licensing exams for more than 30 years. Our founder, Professor Jack Morton, has always strived to make learning fun. He uses real-world examples to help you make sense of complex insurance terms and concepts—and retain the information.

When you sign up for a Hawaii insurance exam prep course, you’ll get instant 45-day access to our streaming lectures, which you can watch anytime, anywhere it’s convenient for you (internet access required).

We will also mail you a hardcopy textbook, which you can use to study right up until the day of your exam. And it’s all backed by our exceptional customer service.

Do you still have questions? Click here to read our full-length guide on how to pass the Hawaii insurance license exams.