HI L&H
Hawaii Life & Health Insurance License Exam
Hawaii regulates Life & Health producer licensing through Hawaii Department of Commerce and Consumer Affairs (DCCA), with the exam delivered by Pearson VUE. Hawaii has no combined Life & Health exam AND no prelicensing education requirement at all. Hawaii does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for Hawaii, covering national concepts plus Hawaii statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
HI L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Hawaii Life & Health Insurance License Exam |
| Governing Body | Hawaii Department of Commerce and Consumer Affairs (DCCA) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Hawaii Department of Commerce and Consumer Affairs (DCCA) official website ↗ |
HI L&H Content Areas and Domains
Domain areas are sourced from the Hawaii Department of Commerce and Consumer Affairs (DCCA) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Hawaii insurance law and regulations
How C3RT Helps You Pass the HI L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the HI L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real HI L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample HI L&H Practice Questions
Q1.In the state of Hawaii, what is the legal requirement for a divorced father to exercise rights such as taking out a loan against his minor son's life insurance policy?
- He must obtain a court order to authorize the transaction.
- Only the custodial parent has the right to manage the policy.
- He is authorized to do so without court intervention.Correct
- He must provide a notarized affidavit of sole guardianship.
Hawaii law allows either or both parents (or the surviving/custodial parent) to exercise rights over a minor's policy without court intervention. The other options are incorrect because they suggest unnecessary legal hurdles or restrict rights solely to one parent regardless of status.
Q2.A minor in Hawaii reaches the age of 20. Under state law, who is considered the legal owner of the life insurance policy?
- The parents, as ownership automatically reverts to them upon the minor reaching adulthood.
- A court-appointed guardian, as ownership remains with the guardian until the minor reaches the age of 25.
- The premium payer, regardless of the age of the insured or the specific state statutes regarding minors.
- The minor, provided the policy has not been lapsed, surrendered, assigned, or acted upon by the minor after age 18.Correct
In Hawaii, ownership defaults to the minor unless a specific action (lapse, surrender, assignment, or post-18 action) occurs. The other options incorrectly suggest automatic reversion to parents, premium payer priority, or an arbitrary age of 25.
Q3.In the state of Hawaii, which of the following is specifically excluded from the definition of 'other valid coverage' when determining disability income benefits?
- Benefits provided by union welfare plansCorrect
- Private long-term disability policies
- Standard medical malpractice insurance
- Personal accident insurance
Hawaii law explicitly states that 'other valid coverage' shall not include benefits from union welfare plans, workers' compensation, or employer benefit organizations. Other options are either types of private coverage that may be included or are unrelated to the specific statutory exclusion.
HI L&H Frequently Asked Questions
What does HI L&H stand for?
HI L&H stands for Hawaii Life & Health Insurance License Exam. It is administered by Hawaii Department of Commerce and Consumer Affairs (DCCA).
Who administers the HI L&H?
The Hawaii Life & Health Insurance License Exam (HI L&H) is administered by Hawaii Department of Commerce and Consumer Affairs (DCCA). For official information, visit the Hawaii Department of Commerce and Consumer Affairs (DCCA) website.
Does Hawaii have a combined Life & Health exam?
Hawaii has no combined Life & Health exam AND no prelicensing education requirement at all. Check Hawaii Department of Commerce and Consumer Affairs (DCCA) for the current exam-registration process.
Does Hawaii require prelicensing education for Life & Health?
No. Hawaii does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the Hawaii Life & Health exam?
Hawaii requires 70 (scaled score) on the Life & Health exam. Confirm the current standard with Hawaii Department of Commerce and Consumer Affairs (DCCA), since passing standards can change.
Is the Life & Health exam different in Hawaii than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Hawaii tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Hawaii Department of Commerce and Consumer Affairs (DCCA).
C3RT is a native iOS and macOS exam preparation platform covering the Hawaii Life & Health Insurance License Exam (HI L&H), a Insurance Licensing certification, administered by Hawaii Department of Commerce and Consumer Affairs (DCCA). C3RT is not affiliated with or endorsed by Hawaii Department of Commerce and Consumer Affairs (DCCA). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Hawaii Department of Commerce and Consumer Affairs (DCCA) official website ↗ .