Hawaii insurance exam guide (2026)
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The Hawaii Life and Accident and Health producer exams, from Pearson VUE's Hawaii content outlines (effective January 1, 2026) and candidate handbook (January 2026).
The exam at a glance
| Life Producer (InsHI_Life01) | Accident and Health (InsHI_Health02) | |
|---|---|---|
| General knowledge questions | 50 scored + 5 pretest | 50 scored + 5 pretest |
| Hawaii law questions | 35 scored + 6 pretest | 35 scored + 5 pretest |
| Total on the exam | 96 (85 scored) | 95 (85 scored) |
| Time allowed | General 75 minutes, Hawaii 45 minutes | General 75 minutes, Hawaii 45 minutes |
| Passing score (resident producer) | 70 (not a percent) | 70 (not a percent) |
| Where | Test center or online (OnVUE) | Test center or online (OnVUE) |
The question counts come from the content outlines; the times and the required score come from the candidate handbook, which lists "Resident Producer" 70 and says "With a passing score of 70, any score below 70 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly." Pretest questions "are mixed in with the scored questions and are not identified, nor do they affect the candidate's score."
Hawaii has no combined Life and Accident and Health exam. The handbook says candidates may take up to two exams at one session, but exams can not be combined on OnVUE.
What is on the Life exam
| Section | Scored questions |
|---|---|
| I. Types of Policies | 15 |
| II. Life Provisions, Riders, Options, and Exclusions | 15 |
| III. Completing the Application, Underwriting, and Delivering the Policy | 12 |
| IV. Retirement and Other Insurance Concepts | 8 |
| Hawaii laws and rules common to life, accident and health, property, casualty and personal lines insurance | 23 |
| Hawaii laws and rules pertinent to life insurance only | 12 |
What is on the Accident and Health exam
| Section | Scored questions |
|---|---|
| I. Types of Policies | 16 |
| II. Policy Provisions, Clauses, and Riders | 15 |
| III. Social Insurance | 6 |
| IV. Other Insurance Concepts | 5 |
| V. Field Underwriting Procedures | 8 |
| Hawaii laws and rules common to life, accident and health, property, casualty and personal lines insurance | 23 |
| Hawaii laws and rules pertinent to accident and health insurance only | 12 |
Hawaii law is 35 of the 85 scored questions on each exam. Practice it: free Hawaii insurance law questions.
Scheduling and test day
- Where: the Hawaii Insurance Division says "You may take your exam online (through OnVUE online proctoring) or at a test center." Walk-in testing is not available.
- Pre-licensing: the handbook says the Hawaii Insurance Division "does not require a specific program of pre-licensing education".
Results and retakes
A failing score report shows a numeric score and diagnostic information on the general part. After a test center attempt you wait 24 hours to retest; after a first online attempt you wait two weeks, and four weeks after later online retests. HRS 431:9A-105(d): "An applicant's examination scores shall be valid for two years from the date of the examination."
Ready to practice? Try the free Life or Accident & Health practice test.