Renewal Deadline in Hawaii
In Hawaii, a life insurance license must be renewed every two years, and the renewal must be completed before the license expiration date printed on the certificate. The state allows a 30‑day grace period after the expiration, during which you can still renew without a lapse, but you will be required to pay a late fee.
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Continuing Education Requirements
To qualify for renewal, you must complete 24 hours of continuing education (CE) within the two‑year licensing cycle. Of those, at least 3 hours must be dedicated to ethics, and the remaining 21 hours can be any approved life‑insurance topics. CE credits must be earned from an NAIC‑approved provider and reported through the Hawaii Insurance Division's online portal.
Steps to Renew
1. Log into the Hawaii Insurance Division's licensee portal.2. Verify that your CE credits are posted.3. Pay the renewal fee (US$125 for individuals, US$250 for agencies).4. Submit the renewal application before the expiration date or within the 30‑day grace period.
Consequences of Late Renewal
If you miss the grace period, the license is considered lapsed. You must then reapply, retake the licensing exam, and meet the full CE requirement again, which can significantly delay your ability to sell life insurance in Hawaii.
Key Dates to Remember
| Event | Timing | Notes |
|---|---|---|
| License Expiration | Every 2 years on the date shown on your certificate | Exact date varies per licensee |
| Grace Period | 30 days after expiration | Late fee applies |
| CE Completion Deadline | By the expiration date | Must include 3 ethics hours |