Hawaii‑Specific Licensing Requirements for Ameriprise Agents
In Hawaii, Ameriprise Financial agents must obtain a state‑issued life and health insurance license before selling any policies. The state requires completion of 40 hours of pre‑licensing education, a background check, and a passing score of at least 70% on the Hawaii Life and Health Insurance Exam administered by Pearson VUE.
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Exam Structure and Content
The exam consists of 150 multiple‑choice questions divided into two sections: Life Insurance (80 questions) and Health Insurance (70 questions). Topics include policy provisions, underwriting, annuities, Medicare, Medicaid, and Hawaii‑specific statutes such as the Hawaii Insurance Code and the Hawaii Consumer Protection Act.
Key Content Areas
- Policy types and riders
- Beneficiary designations and tax implications
- Claims handling and dispute resolution
- State regulations and continuing education requirements
Study Resources Tailored to Hawaii
Ameriprise provides an internal learning portal with practice exams that reflect Hawaii's statutory language. In addition, the Hawaii Insurance Commission offers a free study guide that highlights local statutes and case law. Candidates often supplement these with the Kaplan or ExamFX online courses, ensuring the content aligns with the state's emphasis on consumer protection.
Scheduling and Fees
Exams are booked through the Pearson VUE website; the standard fee is $115, with a reduced rate of $85 for Ameriprise employees who have completed the company's pre‑licensing program. Test‑center locations are available in Honolulu, Maui, and Kona, and a remote‑proctoring option is offered for candidates who meet eligibility criteria.
After Passing: Next Steps
Once the exam is passed, the Hawaii Department of Commerce and Consumer Affairs issues the license within 7‑10 business days. Ameriprise then completes a firm‑level registration, granting agents access to the company's product suite and client management tools. Ongoing compliance requires 24 hours of continuing education every two years, with at least 6 hours dedicated to Hawaii‑specific regulatory updates.
Comparison of Hawaii vs. Mainland Exam Requirements
| Aspect | Hawaii | Typical Mainland State |
|---|---|---|
| Pre‑licensing Hours | 40 | 20‑30 |
| Passing Score | 70% | 70‑75% |
| State‑Specific Law | Extensive focus on consumer protection statutes | Variable, often less detailed |
| Continuing Ed. | 24 hrs/2 yrs (6 hrs HI law) | 24 hrs/2 yrs (no state‑law mandate) |