Hawaii Life & Health Insurance Practice Test 2026
Practice the exam Hawaii uses, from general life & health knowledge to Hawaii's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Hawaii's own insurance law.
Life 85, Health 85 scored questions. The time limit and passing score are set by Hawaii; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Hawaii Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Hawaii Life & Health test
Hawaii's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies15 Qs
- Life Provisions, Riders, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Polices12 Qs
- Retirement and Other Insurance Concepts8 Qs
- Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance23 Qs
- Hawaii Laws and Rules Pertinent to Life Insurance Only12 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance23 Qs
- Hawaii Laws and Rules Pertinent to Accident and Health Insurance Only12 Qs
Source: Content Outlines: Effective January 1, 2026; Pearson VUE #121201 | 01/2026 (Hawaii Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Hawaii exam
Hawaii official sources
- Unfair methods of competition and unfair or deceptive acts or practices definedHawaii Revised Statutes § 431:13-103 · Hawaii State Legislature (data.capitol.hawaii.gov)
- Administrative Rules Title 16 Chapter 6, Credit Life and Credit Disability Insurance, HAR 16-6-1 to 16-6-16 (REGULATIONS, not HRS)Hawaii Department of Commerce and Consumer Affairs, Insurance Division
- Administrative Rules Title 16 Chapter 18, Hawaii Life and Disability Insurance Guaranty Association Summary Document, Disclaimer and Written Notice, HAR 16-18-1 to 16-18-4 with Exhibits A and B (REGULATIONS, not HRS)Hawaii Department of Commerce and Consumer Affairs, Insurance Division
- Administrative Rules Title 16 Chapter 171, Subchapter 4 (2001 CSO Mortality Table), Subchapter 5 (Preferred Mortality Tables) and Subchapter 9 (Valuation of Life Insurance Policies), HAR 16-171-401 to 16-171-405, 16-171-501 to 16-171-504, 16-171-901 to 16-171-906 (REGULATIONS, not HRS)Hawaii Department of Commerce and Consumer Affairs, Insurance Division
- Administrative Rules Title 16 Chapter 12, Medicare Supplement Insurance Minimum Standards, HAR 16-12-1 to 16-12-13 (REGULATIONS, not HRS)Hawaii Department of Commerce and Consumer Affairs, Insurance Division
- Administrative Rules Title 16 Chapter 171, Subchapter 6, Military Sales Practices, HAR 16-171-601 to 16-171-606 (REGULATIONS, not HRS)Hawaii Department of Commerce and Consumer Affairs, Insurance Division
- Administrative Rules Title 16 Chapter 171 (Miscellaneous Insurance Rules), Subchapter 1 General Provisions and Subchapter 3 Licensing Requirements, HAR 16-171-101 to 16-171-103 and 16-171-301 to 16-171-324 (REGULATIONS, not HRS)Hawaii Department of Commerce and Consumer Affairs, Insurance Division
All Hawaii insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Hawaii provisions the questions on this page cite most often.
- Haw. Rev. Stat. § 431:13-103 · Assets advertised without equally conspicuous liabilities23 questions
- Hawaii Administrative Rules ch. 16-171 § 16-171-605 · Practices Declared Unfair Regardless of Location: Allotments5 questions
- Haw. Rev. Stat. s. 431:13-103 · Unfair claim settlement practices3 questions
- Hawaii Administrative Rules ch. 16-18 § 16-18-3 · Disclaimer; Prescribed Contents3 questions
- Hawaii Administrative Rules ch. 16-171 § 16-171-404 · Actuarial opinion based on asset adequacy analysis; exemption2 questions
- Hawaii Administrative Rules ch. 16-171 § 16-171-405 · Gender-blended tables; permitted substitution2 questions
- Hawaii Administrative Rules ch. 16-171 § 16-171-904 · General calculation requirements; select mortality factors after reentry2 questions
- Hawaii Administrative Rules ch. 16-18 § 16-18-2 · Summary Document; Commissioner Approval2 questions
Exam figures on this page were checked against official pages: Testing company · Pre-licensing · License fee. Confirm anything you rely on with the testing company and the Hawaii Department of Insurance.