Hawaii Life Insurance: Renewal Timeframe And Considerations

In Hawaii, insurance licenses must be renewed every two years. The renewal date is the last day of the licensee's birth month, biennially. For example, if you were licensed in an even-numbered year, your license will expire on the 16th day of your birth month in the next even-numbered year. To renew your insurance license, you must complete the required continuing education hours for the lines of insurance that you are licensed in. The total number of hours required is 24 hours, including 3 hours in the subject of Hawaii Insurance Laws or ethics. The cost of renewing a license is $100 per line of authority, with a $5.60 processing fee if using the NIPR (National Insurance Producer Registry).

Hawaii insurance license renewal date

In Hawaii, insurance licenses must be renewed every two years. The renewal date is the last day of the licensee's birth month, biennially. Producers with birthdays in even months renew in even years, and those born in odd months renew in odd years.

To renew your insurance license, you must complete the required continuing education hours for the lines of insurance that you are licensed in. All of the hours must be completed and reported before your license renewal date to avoid a lapse in your license.

Hawaii does not grant reciprocal licenses to adjusters from out-of-state. If you want to be licensed to work in Hawaii, you will need to go through their testing and application process.

Required continuing education (CE) courses

To renew a life insurance license in Hawaii, individuals must complete the required continuing education (CE) courses. The Hawaii Department of Commerce and Consumer Affairs – Insurance Division requires that all insurance producers and agents complete their continuing education requirements before their expiration date. These requirements include 24 hours of Hawaii insurance continuing education every renewal period, which is two years. Three of those hours must cover Hawaii Insurance Laws or ethics.

If you have a producer license in multiple lines of authority (e.g. Property & Casualty and Life & Health), you are not required to take double the hours. Your total amount of CE credit hours remains 24.

The CE course provider will send a certificate of completion to the Hawaii Insurance Division. It is recommended to keep a printed copy of the certificate for your records. It is also advised to complete all continuing education credits 60 days before the license's expiration date. This will allow the CE provider time to report the completion to the department of insurance. CE courses can be taken at any time within the license term.

There are various ways to complete the required CE courses. The most common method is through self-paced online courses, which can be accessed at any time of day. These courses usually consist of a mixture of video and text, with a knowledge exam at the end. In-person classes and scheduled online webinars are also available.

Hawaii insurance licenses expire every two years on the 16th day of the licensee's birth month. The renewal date is based on the anniversary of the original license year. For example, if you were licensed in an even-numbered year, your license will expire on the 16th day of your birth month in the next even-numbered year.

Renewal application

To renew your insurance license in Hawaii, you must complete the required continuing education (CE) hours for the lines of insurance that you are licensed in. These hours must be completed and reported before your license renewal date to avoid a lapse in your license.

General Requirements:

The renewal date is the last day of the licensee's birth month, every two years. Producers with birthdays in even-numbered months renew their licenses in even-numbered years, and those born in odd-numbered months renew in odd-numbered years.

Line-Specific Requirements:

• Life and Health Producers: Annuity Best Interest Training. Producers holding a life or variable life and variable annuity products line of authority after December 31, 2022, must complete a one-time, 4-hour Annuity Best Interest training course before selling annuities.
• Property and Casualty Producers: NFIP Flood Insurance Certification Training. Producers must complete a one-time 3-hour course before selling flood insurance policies.

Rules:

• Carryover is not allowed.
• Courses may not be taken more than once in a reporting period.

Exemptions:

• A licensee who has been licensed for less than two years at the time of the first renewal.
• An individual holding only a limited license.

Steps to Renew:

• Register and Complete Courses: Determine the renewal requirements for your license and register for courses. Each course has an associated credit type. Fulfill the course requirements for each course to have them reported.
• Monitor Requirements: Classroom and webinar course completions are based on attendance and participation and do not require a completion exam. Online and self-study courses are self-paced and require a passing grade on the Certification Exam to receive credit. These exams must be monitored by a disinterested third party.
• File a Renewal Payment: Once you have satisfied the renewal requirements, you can file a renewal application and pay the renewal fee.

Renewal fee

In Hawaii, insurance licenses must be renewed every two years. The renewal date is the 16th day of the licensee's birth month, which is based on the anniversary of the original license year. For example, if you were licensed in an even-numbered year, your license will expire on the 16th day of your birth month in the next even-numbered year.

To renew your insurance license, you must complete the required continuing education (CE) hours for the lines of insurance that you are licensed in. The Hawaii Department of Commerce and Consumer Affairs – Insurance Division requires that all insurance producers and agents complete their CE requirements before their expiration date. These requirements include 24 total hours of Hawaii insurance continuing education every renewal period, with three of those hours in the subject of Hawaii Insurance Laws or ethics.

The renewal fee is $100 per line of authority. To avoid paying late fees, you must complete CE hours and apply for renewal at least 60 days before your license expires. The late fee is $300 per line of authority.

You can renew your Hawaii insurance license by logging into NIPR and choosing the account where you signed up during your initial license application. NIPR charges a $5.60 processing fee. Alternatively, you can use the eHawaii Insurance License Extension/Renewal online service, which has no processing fee.

Late renewal

In Hawaii, insurance licenses must be renewed every two years. The renewal date is the 16th day of your birth month, which is based on the anniversary of the original license year. This means that if you were licensed in an even-numbered year, your license will expire on the 16th day of your birth month in the next even-numbered year.

To renew your insurance license, you must complete the required continuing education (CE) hours for the lines of insurance that you are licensed in. These hours must be completed and reported before your license renewal date to avoid a lapse in your license. The Hawaii Department of Commerce and Consumer Affairs – Insurance Division requires that all insurance producers and agents complete their CE requirements before their expiration date.

If you fail to renew your license on time, there will be a $300 late renewal fee per line of authority. There is no continuing education "grace period", and not meeting your CE requirements will prevent you from renewing your insurance license. Once your license expiration date has passed, you will be charged penalties by the state.

You can request an extension to complete CE hours in Hawaii if you meet certain criteria, such as having a good cause (e.g., long-term illness or disability) or being on extended active military duty. A written request must be submitted to the Hawaii Insurance Division's Insurance Commissioner at least 90 days before your licensee's renewal date.

Frequently asked questions