Insurance

How to Apply for, Reinstate or Reactivate an Insurance License

All resident individuals seeking to apply for initial licenses or license reactivation must complete the below requirements. The Division reserves the right to reject any application if all required information is not timely submitted.

1. For initial license applicants: Take the insurance examination and obtain a passing examination score. The Division will receive your examination score electronically. Beginning May 18, 2021, all Hawaii Insurance exams will be available for administration through Pearson’s online proctoring process in addition to the standard test center process.
2. Get fingerprinted for licensing purposes (does not apply to a Third Party Administrator applicant).
   If you are submitting applications for two licenses simultaneously (e.g., producer and surplus lines broker), you will need to be fingerprinted once. However, if you submit your producer application now and apply for a surplus lines broker license at a later date, you will need to be fingerprinted again.
   To obtain fingerprints, schedule an appointment online at https://www.fieldprinthawaii.com. Fees collected by Fieldprint include state and federal submission fees. Effective September 1, 2018, all applicants must enter “HI-DCCA-INS”, the code that identifies the Insurance Division as the intended recipient of your fingerprint result, when scheduling an online appointment with Fieldprint.
3. Submit your completed license application and applicable licensing fee within 60 days of the date of fingerprinting. If you are submitting paper check separately without the application, you must provide name and/or license number and the purpose of the check for easy identification.

Effective November 15, 2020, paper applications for certain licenses will not be accepted, please refer to Commissioner’s Memorandum 2020-13LIC for more information.

Effective May 18, 2021, the Insurance Division has approved Pearson Vue to administer testing through their online proctoring process, in addition to the standard test center process, please refer to standard test center process, please refer to Commissioner’s Memorandum 2021- 3LIC for more information.

Effective June 1, 2021, paper applications for more licenses will not be accepted, please refer to Commissioner’s Memorandum 2021- 6LIC for more information.

Effective January 1, 2022, penalty fee, reinstatement term, CE term and certain licensing requirements will be changed and implemented, please refer to Commissioner’s Memorandum 2021 – 9LIC for more information.

New Requirements Regarding Timeline to Complete Continuing Education, please refer to Commissioner’s Memorandum 2022-3LIC for more information.

Effective March 21, 2022, paper applications and checks for certain licenses will not be accepted for reactivation, please refer to Commissioner’s Memorandum 2022-4LIC.

Effective November 16, 2022, please follow the new appointment mapping at https://cca.hawaii.gov/ins/files/2022/10/New-Appointment-Mapping-starting-11.16.2022.pdf to make your appointment.

HOW TO APPLY FOR THE USE OR CHANGE OF A TRADE NAME (DOING BUSINESS AS) ON THE LICENSE

Every person shall apply to the Department of Commerce and Consumer Affairs (Business Registration Division) and the Insurance Commissioner for approval of the use or change of a trade name to the insurance license.

Please follow the steps below to apply for the use or change of a trade name on your insurance license:

1. Go to Business Registration Division (“BREG”) website at https://cca.hawaii.gov/breg/ or call (808) 586-2727 and apply for registration of a trade name or change of a trade name.
2. Once the trade name is registered with BREG, complete and submit Form NTA (download from https://cca.hawaii.gov/ins/producers/forms/ ) and attach proof that trade name is registered by the licensee with BREG to the Insurance Licensing Branch at [email protected] or fax to (808) 587-6714.
3. Once the use or change of a trade name is approved by the Insurance Commissioner the trade name will be added to the license. Go to https://www.statebasedsystems.com/solar/index.html to view trade name (Doing Business As).

An individual who: (A) acts solely on behalf of either the insurer or the insured, as an independent contractor or as an employee of an independent contractor; and (B) investigates for, reports to, or adjusts for the individual’s principal relative to claims arising under insurance contracts.

An individual who: (A) acts solely on behalf of either the insurer as an independent contractor or as an employee of an independent contractor; and (B) reviews or audits billings for medical services.

An individual or legal entity who represents the owner of a life insurance policy in the offer or negotiation with a life insurance settlement provider of a life insurance settlement contract.

An individual or legal entity who engages in a life insurance settlement contract with the owner of the insurance policy.

A motor vehicle rental company that is licensed by the commissioner to solicit and sell insurance coverages only in connection with and which are incidental to the rental company’s business of renting motor vehicles.

An owner of a self-service storage facility shall hold a limited lines licenses to sell, solicit, or offer coverage under a policy of stored property insurance.

“Owner” means any business entity that owns or is authorized to manage a self-service storage facility, or to receive rent from an occupant under a rental agreement, and no real estate license is required.

“Self-service storage facility” has the same meaning as in section 507-61.

“Stored property insurance” means insurance under a group, individual, corporate, commercial, or master policy to provide insurance coverage to occupants of a self-service storage facility for the loss of, or damage to, tangible personal property that is contained in a storage space located at a self-service storage facility or is in transit during the term of a self-service storage facility rental agreement.

Any person, firm, association, or corporation that manages all or part of the insurance business of an insurer (including the management of a separate division, department, or underwriting office) and acts as an agent for such insurer.

A producer is a person required to be licensed under the laws of Hawaii to sell, solicit or negotiate insurance.

Any person, other than an officer or employee of the ceding insurer, firm, association, or corporation that solicits, negotiates, or places reinsurance cessions or retrocessions on behalf of a ceding insurer without the authority or power to bind reinsurance on behalf of the insurer.

Any individual, firm, association, or corporation that has authority to bind or manages all or part of the assumed reinsurance business of a reinsurer (including the management of a separate division, department, or underwriting office) and acts as an agent for the reinsurer.

Any person licensed to place insurance on risks resident, located, or to be performed in Hawaii with unauthorized insurers.

An individual who: (A) acts solely on behalf of either the insurer or the insured, as an independent contractor or as an employee of an independent contractor; and (B) investigates for, reports to, or adjusts for the individual’s principal relative to claims arising under insurance contracts.

An individual who: (A) acts solely on behalf of either the insurer as an independent contractor or as an employee of an independent contractor; and (B) reviews or audits billings for medical services.

An individual or business entity who represents the owner of a life insurance policy in the offer or negotiation with a life insurance settlement provider of a life insurance settlement contract.

An individual or legal entity that engages in a life insurance settlement contract with the owner of the insurance policy.

A motor vehicle rental company that is licensed by the commissioner to solicit and sell insurance coverages only in connection with and which are incidental to the rental company’s business of renting motor vehicles.

Any person, firm, association, or corporation that manages all or part of the insurance business of an insurer (including the management of a separate division, department, or underwriting office) and acts as an agent for such insurer.

A producer is a person required to be licensed under the laws of Hawaii to sell, solicit or negotiate insurance.

Any person, other than an officer or employee of the ceding insurer, firm, association, or corporation that solicits, negotiates, or places reinsurance cessions or retrocessions on behalf of a ceding insurer without the authority or power to bind reinsurance on behalf of the insurer.

Any individual, firm, association, or corporation that has authority to bind or manages all or part of the assumed reinsurance business of a reinsurer (including the management of a separate division, department, or underwriting office) and acts as an agent for the reinsurer.

Any person licensed to place insurance on risks resident, located, or to be performed in Hawaii with unauthorized insurers.

A business entity sells or offers coverage under a policy of portable electronics insurance.

“Portable electronics” means electronic devices that are portable in nature, and the accessories and services related to the use of the device.

“Portable electronics insurance” means insurance providing coverage for the repair or replacement of portable electronics, which may provide coverage for portable electronics against any one or more of the following: loss, theft, inoperability due to mechanical failure, malfunction, damage, or other similar causes. The term does not include:
(1) A service contract, as defined by section 481X-2;
(2) A policy of insurance covering a seller’s or manufacturer’s obligations under a warranty; or
(3) A homeowner’s, renter’s, private passenger automobile, commercial multi-peril, or similar insurance policy.

“Pharmacy Benefit Manager” means any person that performs pharmacy benefit management, including but not limited to a person or entity in a contractual or employment relationship with a pharmacy benefit manager to perform pharmacy benefit management for a covered entity.

“Pharmacy benefit management” means:

• (1) Any of the following services provided with regards to the administration of pharmacy benefits:
  • (A) Mail service pharmacy;
  • (B) Claims processing, retail network management, and payment of claims to pharmacies for prescription drugs dispensed to covered persons;
  • (C) Clinical formulary development and management services;
  • (D) Rebate contracting and administration;
  • (E) Certain patient compliance, therapeutic intervention, and generic substitution programs; or
  • (F) Disease management programs involving prescription drug utilization;

  “Service contract” means a contract or agreement for a separately stated consideration and a specific duration, to perform or indemnify the repair, replacement, or maintenance of property for operational or structural failure due either to a defect in materials or artisanship, or to normal wear and tear, with or without additional provision for incidental payment or indemnity under limited circumstances, including but not limited to towing, rental, and emergency road service. Service contracts may provide for the repair, replacement, or maintenance of property damaged by power surges, or accidentally damaged during handling.

  “Provider” means a person who is contractually obligated to the service contract holder under the terms of the service contract.

  “Person” means an individual, partnership, limited liability company, corporation, incorporated or unincorporated association, joint stock company, reciprocal, syndicate, or any similar entity or combination of entities acting in concert.

  [§481X-10] Prohibited acts. (a) No provider shall use in its name, the word “insurance”, “casualty”, “surety”, “mutual”, or any other word descriptive of the insurance, casualty, or surety business, or a name deceptively similar to the name or description of any insurance or surety corporation, or to the name of any other provider; provided that the word “guaranty” or similar word may be used by a provider. This section shall not apply to a provider using any language prohibited by this section in its name prior to July 1, 2000; (b) A provider or its representative shall not in its service contracts or literature make, permit, or cause to be made, any false or misleading statement, or deliberately omit any material statement that would be considered misleading if omitted; (c) No person shall condition a loan or the sale of any property on the purchase of a service contract.

  A TPA means a person who collects charges or premiums from, or who adjusts or settles claims on, residents of this State in connection with self-insurance, stop loss, or life insurance coverage, accident and health or sickness insurance coverage; or article 1 of chapter 432.

  “Commissioner” means the insurance commissioner.

  “Insurance Producer” or “producer” shall have the same meaning as in Haw. Rev. Stat. section 431:9A-102.

  “Insurer” shall have the same meaning as in Haw. Rev. Stat. section 431:1-202.

  “Person” shall have the same meaning as in Rev. Rev. Stat. section 431:1-212.

  We will start to accept paper application on October 1, 2019. However, the effective date for the license will be on either January 1, 2020 or a later date.

  “Vehicle protection product” means a product or system, which includes a written warranty, that is: (1) Installed or applied to a vehicle; and (2) Designed to prevent loss or damage to a vehicle from a specific cause.

  “Warrantor” means a person named under the terms of a vehicle protection product warranty as the contractual obligor to the consumer.

  [§481R-11] Limitations on use of warrantor’s name. (a) A warrantor shall not use:
  (1) In its name, the word “casualty”, “surety”, “insurance”, or “mutual” or any other word descriptive of the casualty, insurance, or surety business; or
  (2) A name deceptively similar to the name or description of any insurance company, surety corporation, or other warrantor.
  (b) A warrantor may use the word “guaranty” or a similar word in the warrantor’s name. [L 2002, c 237, pt of §1]

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