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  of our knowledge and resources to create one comprehensive site with the answers you require. Below you will find sample questions, basics of test format and scoring, pricing, testing locations, 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. Our courses offer preparation for all types of state insurance licensing exams and they are available to you at the click of a mouse. Read on and enroll today!



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

All of the Hawaii insurance 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

A multiple choice test will usually test heavily on definitions (terminology) and numbers (dollar amounts and number of days).

The exam is drawn from a large pool of questions – 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.

In Hawaii, you need a score of 70 (used to be 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 70 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 the questions regarding indemnification (for example) 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?


*Any two exams may be taken during one session for $75, except for 14 and 55, which must be taken individually.
*Personal checks and cash will not be accepted.

Where can I take the Hawaii insurance exam?


*Additional test centers can be found at 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 as you do your exam prep work. Be focused and disciplined as you do your insurance test prep.

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 exam still given by the “paper and pencil” method?

No, this is a computerized exam. Virtually all of the students say 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
6 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.

America's Professor - DCM
America's Professor - DCM
6 years ago
Reply to  Grant Arakawa

Hi Grant, No need to reorder. I have extended your course. Please be sure to follow the course study guide and video lectures and ask us if you have any questions. Thanks and have a great day!

Grant Arakawa
Grant Arakawa
6 years ago

Thank you so much.

5 years ago

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

America's Professor - DCM
America's Professor - DCM
5 years ago
Reply to  Carly

Hi Carly, Most insurance exams are going to be made up of two parts, a general (national) portion and a state portion. The general portion focuses on general content, like definitions, that are tested on in every state. The state portion is going to focus on rules and regulations that are specific to that state. So, for instance, if you wanted to get your Hawaii Life Insurance License you would need to pass both the General Life exam and HI State exam. Good luck!