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How to pass the Hawaii Insurance Licensing Exam

America's Professor student preparing for Hawaii insurance exam

Are you considering getting an insurance license in the state of Hawaii? If you are, then you probably have a lot of questions about where to go, who to talk to and what to do. Fortunately, America’s Professor has pulled together all our knowledge and resources to create one comprehensive site with the answers you need. Below you will find sample questions, basics about test format and scoring, pricing, testing locations, information about how to fully prepare yourself for the exam, and more!

We’re here to help you succeed, and that means providing you with the best information available. Whether you’re preparing for the Hawaii life and health insurance exam or another test, our courses help you prepare for all kinds of state insurance licensing exams and are available at the click of a mouse. Read on and enroll today!


State of Hawaii

What kind of questions do they put on the Hawaii insurance test?

All the Hawaii insurance license exam questions are multiple choice. There are no fill-ins (no need to memorize) and no essay (no need to be ready to explain anything) questions.

For example:

hawaii sample questions

Like most multiple-choice tests, the insurance licensing exams for Hawaii test heavily on definitions (terminology) and numbers (dollar amounts and number of days).

The exam is drawn from a large pool of questions – that means you will have a different set of questions than the person sitting next to you. If you retake the exam, expect to see very few of the questions repeated on the next exam. Students report that the exams vary greatly in terms of the number of questions on any given topic.

Students report that about 1/3 of the questions are terminology (definitional) questions, 1/3 are number/day questions, and 1/3 are questions where you have to apply the knowledge to reason through a practical situation (story problems – usually short).

What score do I need to pass the Hawaii insurance exam?

There are 4 basic exams given in most states – Life, Accident & Health, Property, and Casualty. In some states, the exams are combined (Property & Casualty). Some states have a Personal Lines exam for agents selling only homeowner or auto insurance. If you’re going for your adjuster license, make sure to choose a reputable Hawaii adjuster license study guide.

In Hawaii, you need a score of 75 to pass each exam. But, each exam consists of two parts – the “national” insurance section and the “state rules” section. You will need a score of 75 on each section – the two scores are not averaged together. Please read the Pearson VUE Candidate Handbook linked at the bottom of this document for more information on “score explanation.”

Are questions grouped by category?

Our students always want to know if questions about a similar topic (for example, indemnification) are grouped together. No, questions and topics are randomly scrambled, but that never seems to be a problem for anyone.

What insurance exams are given in Hawaii and what do they cost?

 Hawaii Pearson VUE Exam Allotted Times

*Any two exams may be taken during one session for $75, except for 14 (adjuster) and 55 (personal lines), which must be taken individually.

*Personal checks and cash will not be accepted.

Where can I take the Hawaii insurance license exam?

Hawaii Pearson VUE Test Centers

*Locations and schedules are subject to change. Please call 1-800-274-2608 for up-to-date information.

How do I sign up to take the Hawaii insurance exam?

We recommend that you call Pearson VUE (the testing company) at 1-800-274-2608. Be sure to call at least 3 days in advance of the date you plan to take the exam. The earlier you sign up, the better your chances of getting the test date of your choice.

Which Hawaii insurance test is the toughest?

Each insurance licensing exam presents its own challenge. Between Life and Accident & Health, students say that the Hawaii Accident & Health insurance exam is the more difficult. Accident & Health insurance policies are simply more complicated than life insurance policies.

The Property insurance exam is easier than the Casualty insurance exam. Property insurance deals with easy to understand issues – fire, flooding, earthquake, etc. On the other hand, Casualty insurance deals primarily with Liability insurance – protection against lawsuits. Casualty insurance is a more conceptual topic and one that is more difficult for students to grasp – particularly if you have never been sued.

The state portion of the Hawaii insurance exam is very detailed and presents its own challenges. The state topics tend to cover trivial details relating to complicated state regulations. None of this is easy, but that is why we work so hard to make the material both understandable and memorable.

This is a challenging exam. Put yourself on a strict schedule and be focused and disciplined as you do your Hawaii insurance license exam prep. Use all the tools at your disposal to prepare, including the Hawaii insurance license practice tests in the textbook we provide with our courses.

Will I have adequate time to complete the Hawaii insurance test?

Yes. We have never had students say that they ran out of time to complete the exam. Most students finish in about half of the allotted time (up to 2 hours). The only students who ever report that they ran out of time were those who were trying to memorize questions in the event they had to repeat the exam.

Is the Hawaii insurance license exam still given by the “paper and pencil” method?

No, this is a computerized exam. Most students report that the proctors were helpful, the room was quiet, and the computer worked well. The proctors will give you the opportunity to complete a practice exam to learn how to use the system. When you are done, you will NOT be given a copy of the exam, nor will you be given the opportunity to review particular questions and their answers. The exam will be scored immediately, and you will know your results when you leave.

What is the best test prep method for the Hawaii insurance exam?

There is no alternative to knowing the material. There are no shortcuts to learning, but there are more effective and less frustrating ways to learn. We recommend that you follow a 4-step process:

  • watch and listen to the lecture;
  • highlight key concepts in the text;
  • review questions in the test bank; and
  • send AP an email if you have any questions.
video courses online sample questions
Hawaii Online Video Courses Hawaii Sample Practice Exams


Helpful Links:

General Insurance License Exam Information:


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Grant Arakawa
Grant Arakawa
3 years ago

Had ordered course a while back anticipating entering insurance field but plans got delayed. So need to order on line lecture portion only of Hawaii Life, Accident and Health because I have the book. Please advise, thanks.

Grant Arakawa
Grant Arakawa
3 years ago

Thank you so much.

2 years ago

Hi, What is the difference between the state and general exam?

We make every effort to ensure that the content on our site is accurate but it’s always recommended to you contact your state’s Insurance Licensing Department or Test Provider for information. Thank you. – The AP Team