Hawaii Life Producer , Pearson VUE exam InsHI_Life01 (test center) / OPLife01 (OnVUE online proctored)
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 questions are free, and the full License Pass is $149, yours until you pass. Below are the licensing steps, exactly what the exam covers, and free practice questions written to this state's outline.
At a glance
| Exam | Hawaii Life Producer , Pearson VUE exam InsHI_Life01 (test center) / OPLife01 (OnVUE online proctored) |
| Scored questions | 85 |
| Pretest questions | about 11 (unscored) |
| Time limit | 120 minutes |
| Passing score | 70 (scaled score set by Hawaii DCCA; each portion timed separately) |
| Exam fee | $75 |
| Testing vendor | Pearson VUE |
| Retake rules | Test center: wait 24 hours to retest. OnVUE online proctored: wait two weeks after a first fail and four weeks after each subsequent fail; new $75 fee each attempt (reservation changes require 48 hours notice) |
| Prelicensing education | not required for the life line |
Verified against official Pearson VUE materials, Content outlines effective January 1, 2026 (#121201, 01/2026); Candidate Handbook January 2026 (#121200). Specs change; confirm when you register.
How to get your Hawaii life insurance license
- 1
Meet the basics
Be 18 or older and able to pass the background screening. Hawaii handles licensing through the NIPR system like most states.
- 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 62% of first-time life exam takers pass nationally (NAIC, latest published data).
- 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% | 15 questions |
| Life Provisions, Riders, Options, and Exclusions | 18% | 15 questions |
| Completing the Application, Underwriting, and Delivering the Polices | 14% | 12 questions |
| Retirement and Other Insurance Concepts | 9% | 8 questions |
| Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance | 27% | 23 questions |
| Hawaii Laws and Rules Pertinent to Life Insurance Only | 14% | 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.
Types of Policies > Traditional whole life products
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. Deductions taken from the accumulated cash value
- B. The insurer waiving all charges automatically
- C. A required loan from the guaranty association
- D. Automatic conversion to term insurance
Show the answer
Answer: A
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.
Life General Knowledge > Interest/market-sensitive/adjustable life products (universal life flexibility)
Question 3Which term life feature lets the policyowner switch to a permanent policy without proving good health?
- A. Renewability
- B. Convertibility
- C. Reinstatement
- D. Waiver of premium
Show the answer
Answer: B
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.
Types of Policies > Term life (general knowledge)
Question 4During which phase of an annuity does the owner make payments into the contract?
- A. Annuitization phase
- B. Accumulation phase
- C. Distribution phase
- D. Payout phase
Show the answer
Answer: B
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.
Types of Policies (Life-General Knowledge) > Annuities
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.
Types of Policies > Combination plans and variations
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?
Test center, wait 24 hours to retest. OnVUE online proctored, wait two weeks after a first fail and four weeks after each subsequent fail; new $75 fee each attempt (reservation changes require 48 hours notice). About 62% of first-time life exam takers pass nationally (NAIC, latest published data). 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 state-approved prelicensing education provider, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with an approved provider; your state insurance department publishes the approved list. What we do is make sure that when you sit down for the real exam, the questions feel familiar.
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.
A free placement plus free practice questions. No card to start.