Hawaii life line
The Hawaii life insurance exam.
The Hawaii life insurance exam is 85 scored questions, about 11 unscored pretest questions, in 120 minutes, passing at a scaled 70, $75 per attempt, administered by Pearson VUE. We sell study materials and practice exams for it, written from the official Hawaii outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Hawaii Life Producer |
| Scored questions | 85 |
| Pretest questions | about 11 (unscored) |
| Time limit | 120 minutes |
| Passing score | a scaled 70 |
| Exam fee | $75 |
| Testing vendor | Pearson VUE |
| Retake rules | At a test center you wait 24 hours to retest. On OnVUE online proctored exams you wait two weeks after a first failed attempt and four weeks after each later one. Each attempt costs a new $75 fee, and changing a reservation takes 48 hours notice. |
| Prelicensing education | not required for the life line |
Checked against Pearson VUE's official materials. Specs change, so confirm them when you register.
How to get your Hawaii life insurance license
- 1
Meet the basics
Hawaii sets its own age, background check and application rules. The Hawaii insurance department lists them, so read them before you book.
- 2
Study the exam outline
Hawaii does not require prelicensing education for the life line, so your preparation is the whole game. Study the official outline below and drill practice questions until every section holds.
- 3
Book the exam with Pearson VUE
Register at Pearson VUE, pick a test center or online proctoring where offered, and pay the $75 exam fee.
- 4
Pass the exam
Walk in knowing the format, 85 scored questions in 120 minutes, passing at a scaled 70. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Hawaii exam covers
From the official exam outline, each section's share of the exam and how many of the 85 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Types of Policies | 18 percent | 15 questions |
| Life Provisions, Riders, Options, and Exclusions | 18 percent | 15 questions |
| Completing the Application, Underwriting, and Delivering the Policies | 14 percent | 12 questions |
| Retirement and Other Insurance Concepts | 9 percent | 8 questions |
| Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance | 27 percent | 23 questions |
| Hawaii Laws and Rules Pertinent to Life Insurance Only | 14 percent | 12 questions |
Free Hawaii practice questions
Original questions written to the Hawaii outline, the same bank our students drill. Tap a question to check the answer.
Question 1How does the premium in a straight (ordinary) whole life policy behave over the life of the policy?
- A. It increases each year as the insured ages
- B. It stays level for the insured's entire lifetime
- C. It is paid in a single lump sum only
- D. It decreases as the cash value grows
Show the answer
Answer: B
Straight whole life uses a level premium that remains the same for the insured's whole life. Choice A describes annually renewable term. Choice C describes single premium whole life, a different form. Choice D is wrong because the premium does not drop as cash value grows.
Question 2Marcus owns a universal life policy and decides to stop paying premiums for several months. What generally keeps the policy in force during that time?
- A. The insurer waiving all charges automatically
- B. Automatic conversion to term insurance
- C. Deductions taken from the accumulated cash value
- D. A required loan from the guaranty association
Show the answer
Answer: C
Universal life pulls the cost of insurance and expense charges from the accumulated cash value, so a policy can stay in force while premiums are skipped, as long as enough cash value remains. Insurers do not waive charges automatically. The guaranty association does not lend money to policyowners. There is no automatic conversion to term in this situation.
Question 3Which term life feature lets the policyowner switch to a permanent policy without proving good health?
- A. Reinstatement
- B. Waiver of premium
- C. Renewability
- D. Convertibility
Show the answer
Answer: D
Convertibility allows the owner to change term coverage into a permanent policy without a new medical exam. Renewability lets the owner keep the term policy for another term but does not create permanent coverage. Reinstatement restores a lapsed policy and usually requires proof of insurability. Waiver of premium pays the premium if the insured is disabled and is unrelated to converting the policy.
Question 4During which phase of an annuity does the owner make payments into the contract?
- A. Payout phase
- B. Annuitization phase
- C. Distribution phase
- D. Accumulation phase
Show the answer
Answer: D
The accumulation phase is when the owner deposits money and the contract value grows. The annuitization, distribution, and payout phases all refer to the period when the annuity pays income out, not when money is paid in.
Question 5Tom and Linda buy a survivorship life policy to help their heirs pay estate taxes. When does this policy pay?
- A. When the first spouse dies
- B. When the second spouse dies
- C. In equal shares as each spouse dies
- D. Only if both survive to age 65
Show the answer
Answer: B
Survivorship life, also called second to die, pays the death benefit after both insureds have died, which is why it is popular for estate tax needs. Paying at the first death describes joint life. It does not split payment across two deaths. It is not a survival endowment tied to age 65.
Take the free Hawaii practice test, every question with the answer and the explanation
Hawaii exam FAQs
How many questions are on the Hawaii life insurance exam?
85 scored questions, plus about 11 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Hawaii exam?
You need a scaled 70 to pass.
How much does the Hawaii life insurance exam cost?
The exam fee is $75 per attempt, paid to Pearson VUE. Licensing application and fingerprint fees are separate.
What happens if I fail the Hawaii exam?
At a test center you wait 24 hours to retest. On OnVUE online proctored exams you wait two weeks after a first failed attempt and four weeks after each later one. Each attempt costs a new $75 fee, and changing a reservation takes 48 hours notice. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Hawaii require prelicensing education before the exam?
No. Hawaii does not require prelicensing education for the life line, which means how you study is up to you and practice exams carry more of the load.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Hawaii exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (85 questions, 120 minutes), and a mastery map that shows what to study next.