24-Hour Dual-Category Insurance CE Package - Hawaii

✅ Approved by Hawaii Department of Commerce and Consumer Affairs Insurance Division | Provider #500032211 | Includes 7 Approved Courses | Only $79.99 | Instant Emailed Certificates | 100% Online & Self-Paced

Cover Hawaii's full 24-hour dual-category requirement - 10 Life & Health hours, 11 Property & Casualty hours and 3 hours of ethics or insurance laws and rules - in one approved online package for $79.99. Every course inside is separately approved by the Hawaii Department of Commerce and Consumer Affairs Insurance Division under provider number 500032211, and the package totals exactly 27 hours.

Everything is 100% online and self-paced. Take the courses in any order, log in and out without losing progress, and receive a certificate by email as you finish each one. 1st Choice CE reports your completion to the Insurance Division within 15 days, as Hawaii requires providers to do. Bought separately these courses cost $111.93; the package is $79.99.

✅ Package Details

• Package name: 24-Hour Dual-Category Insurance CE Package
• Approved by: Hawaii Department of Commerce and Consumer Affairs Insurance Division
• Provider number: 500032211
• Courses included: 7 separately approved courses
• Total hours: 27 credit hours
• Course format: 100% online, self-paced
• Price: $79.99
• Certificate: emailed immediately after each course is completed
• Reporting: 1st Choice CE reports your completion to the Insurance Division within 15 days, as Hawaii requires providers to do
• Page URL: https://1stchoice-ce.com/courses/checkout/hawaii/24-hr-dual-category-insurance-ce-package-hawaii/
• Support: call or text 1-800-698-2770

✅ What Is Included

• 3 Hour Ethics for Insurance Agents (3 hours) - course #6000206428: approved in Hawaii
• 3-Hour Flood Insurance (NFIP) (3 hours) - course #6000206403: approved in Hawaii
• 4 HRs Personal Auto and Umbrella Insurance (4 hours) - course #6000223829: approved in Hawaii
• 4 HRs Commercial Lines Insurance Essentials (4 hours) - course #6000223894: approved in Hawaii
• 5 HRs Life Insurance Products and Retirement Planning (5 hours) - course #6000223781: approved in Hawaii
• 4 HRs Medicare Advantage and Part D Update (4 hours) - course #6000223792: approved in Hawaii
• 4 HRs Health Insurance and Affordable Care Act Updates (4 hours) - course #6000223830: approved in Hawaii

Total: 27 credit hours.

✅ Who Should Take This Package?

• Hawaii resident producers who hold BOTH the Life/Accident & Health group and the Property & Casualty group
• Licensees who want the whole compliance period handled in one purchase
• Agents who would rather not track which mandated subjects are still outstanding
• Producers who want every completion reported by the provider
• Anyone renewing on a deadline who needs the full 24 credits online
• Licensees who want one price rather than seven separate transactions

✅ Does This Package Satisfy the State Requirement?

Hawaii is one of the few states that splits continuing education by line-of-authority group rather than pooling it, and that split is what catches dual-licensed producers out: surplus Life & Health credit will NOT fill a Property & Casualty shortfall. A producer holding both groups needs 10 Life/A&H hours, 11 Property & Casualty hours and 3 hours of ethics or insurance laws and rules. This package carries 11 approved Property & Casualty hours - the exact figure Hawaii asks for - alongside 13 Life & Health hours and the 3 ethics hours, so both sides of the split are satisfied from one purchase.

✅ Hawaii Continuing Education Requirements

Hawaii is one of the few states that splits continuing education by line-of-authority group rather than pooling it. Under HRS § 431:9A-124, the total is always 24 credit hours, but how those 24 are allocated depends on what you hold. A producer with Life and/or Accident & Health authority completes 21 hours in that group plus 3 hours relating to ethics training or to the insurance laws and rules. A producer with Property, marine and transportation, vehicle, general casualty or surety authority - Personal Lines included - completes 21 hours in that group plus the same 3 hours. A producer holding both groups completes 10 Life/A&H hours, 11 P&C hours and 3 ethics hours. Holding two groups does not increase the total past 24.

• 24 credit hours in total for every resident producer - the total never goes above or below 24
• Life and/or Accident & Health only: 21 Life/A&H hours plus 3 hours of ethics or insurance laws and rules
• Property & Casualty only, including Personal Lines: 21 P&C hours plus the same 3 hours
• Both groups: 10 Life/A&H hours, 11 P&C hours, and 3 hours of ethics or laws and rules
• No cap on self-study or online hours - all 24 may be completed online
• NO carryover at all, and a course taken twice in one cycle earns credit only once

The allocation rule is the part that catches producers out. Excess Life/Health credit does NOT migrate to the Property/Casualty requirement, and excess P&C credit does not migrate the other way. Only surplus dedicated ethics or laws-and-rules credit spills over, and it flows to Life/Health first and Property/Casualty second. Hawaii allows no carryover between renewal cycles at all, and credits are valid for 24 months after completion. There is no cap on self-study or online hours, so the full 24 may be completed online. Nonresident producers who satisfy their home state's requirement are exempt under HRS § 431:9A-116. The Commissioner may waive a requirement for good cause on written request, ideally at least 90 days before your renewal date, and producers on extended active military duty receive an extension equal to their days of duty.

How this package helps: This package delivers 27 approved hours allocated as 11 Property & Casualty, 13 Life & Health and 3 ethics, which covers Hawaii's 11 + 10 + 3 dual-category requirement in full. The three extra Life & Health hours are deliberate headroom - Hawaii allows no carryover, so they do not roll forward to your next cycle.

✅ When Do Licensees Renew?

Hawaii individual producer licences renew on the last day of your birth month, on a two-year cycle. It is not a fixed statewide date. Business entities are different - the last day of July for a resident entity and the last day of April for a nonresident entity. Confirm your own renewal date in SBS License Manager rather than assuming, and note that Hawaii publishes no odd-or-even-year rule tied to your birth year.

✅ How to Meet Your Hawaii CE Requirement

1. Confirm your renewal date and which line-of-authority groups you hold. Your date is the last day of your birth month, biennially.
2. Work out your split: 21 plus 3 if you hold one group, or 10 plus 11 plus 3 if you hold both. Remember that Life/Health hours cannot fill a Property/Casualty shortfall.
3. Complete your hours from courses individually approved in Hawaii. Approval in another state counts for nothing here.
4. Finish at least 15 days before your renewal date. The Insurance Division no longer accepts completion certificates from licensees - your provider uploads them, and the credits must be on file before the renewal fee can be submitted.
5. Check your credits in SBS License Manager and confirm each course posted in the right category, because the Division re-allocates your transcript each time a new course lands.
6. Renew online at NIPR - online renewal is mandatory in Hawaii. The resident producer renewal fee is $100.
7. Confirm the licence shows active, and keep your own completion records for four years as HRS § 431:9A-125 requires.

There is no grace period. Missing the requirement places your licence on inactive status automatically under HRS § 431:9A-124(d). Reinstatement carries a penalty of double the unpaid renewal fee and is available for 12 months from inactivation, with no re-examination in that window. After 12 months you must apply as a new applicant - new exam, fingerprinting and the full initial fee. Because the provider has up to 15 days to upload and the Division must hold the credits before you can pay, finishing in the final fortnight is genuinely risky.

✅ What You Will Learn

• 3 Hour Ethics for Insurance Agents - the duties a producer owes the client, the insurer and the public, with suitability, disclosure, replacement standards and the consequences of misrepresentation
• 3-Hour Flood Insurance (NFIP) - what the National Flood Insurance Program insures and excludes, flood zone determinations, the waiting period, limits and elevation certificates
• 4 HRs Personal Auto and Umbrella Insurance - personal auto definitions and liability limits, uninsured and underinsured motorist coverage, physical damage and how umbrellas respond
• 4 HRs Commercial Lines Insurance Essentials - commercial property and coinsurance, CGL triggers, occurrence versus claims-made, hired and non-owned auto and workers compensation basics
• 5 HRs Life Insurance Products and Retirement Planning - term, whole and universal life designs, cash value and dividends, fixed, indexed and variable annuities, 1035 exchanges, illustrations and replacement
• 4 HRs Medicare Advantage and Part D Update - Medicare Advantage plan types, Star Ratings, Part D formularies and exceptions, enrollment periods and CMS marketing standards
• 4 HRs Health Insurance and Affordable Care Act Updates - individual, small-group and large-group plan structures, cost sharing, essential health benefits, Marketplace enrollment and premium tax credits

✅ Course Content Overview

3 Hour Ethics for Insurance Agents (3 hours): the duties a producer owes the client, the insurer and the public, with suitability, disclosure, replacement standards and the consequences of misrepresentation

3-Hour Flood Insurance (NFIP) (3 hours): what the National Flood Insurance Program insures and excludes, flood zone determinations, the waiting period, limits and elevation certificates

4 HRs Personal Auto and Umbrella Insurance (4 hours): personal auto definitions and liability limits, uninsured and underinsured motorist coverage, physical damage and how umbrellas respond

4 HRs Commercial Lines Insurance Essentials (4 hours): commercial property and coinsurance, CGL triggers, occurrence versus claims-made, hired and non-owned auto and workers compensation basics

5 HRs Life Insurance Products and Retirement Planning (5 hours): term, whole and universal life designs, cash value and dividends, fixed, indexed and variable annuities, 1035 exchanges, illustrations and replacement

4 HRs Medicare Advantage and Part D Update (4 hours): Medicare Advantage plan types, Star Ratings, Part D formularies and exceptions, enrollment periods and CMS marketing standards

4 HRs Health Insurance and Affordable Care Act Updates (4 hours): individual, small-group and large-group plan structures, cost sharing, essential health benefits, Marketplace enrollment and premium tax credits

✅ Other Hawaii Insurance CE Courses

• 3 Hour Ethics for Insurance Agents - Hawaii – $15.99
• 3-Hour Flood Insurance (NFIP) - Hawaii – $15.99
• 4 HRs Personal Auto and Umbrella Insurance - Hawaii – $15.99
• 4 HRs Commercial Lines Insurance Essentials - Hawaii – $15.99
• 5 HRs Life Insurance Products and Retirement Planning - Hawaii – $15.99
• 4 HRs Medicare Advantage and Part D Update - Hawaii – $15.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Hawaii – $15.99

✅ Why Choose 1st Choice CE?

• Every course separately approved in Hawaii
• All 27 hours for $79.99 instead of $111.93 bought separately
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate after each course
• We report your completions for you
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in the 24-Hour Dual-Category Insurance CE Package for $79.99 and complete all 27 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.

✅ Frequently Asked Questions

Is this package approved in Hawaii?

Every course in the package is separately approved by the Hawaii Department of Commerce and Consumer Affairs Insurance Division under provider number 500032211. Course numbers are listed in What Is Included.

How many hours does the package provide?

27 credit hours in total.

Does it complete my whole requirement?

This package delivers 27 approved hours allocated as 11 Property & Casualty, 13 Life & Health and 3 ethics, which covers Hawaii's 11 + 10 + 3 dual-category requirement in full. The three extra Life & Health hours are deliberate headroom - Hawaii allows no carryover, so they do not roll forward to your next cycle.

Does it include the required ethics hours?

Yes. The 3-hour ethics course is included and it is approved in the ethics category, which Hawaii requires - Hawaii accepts either ethics or insurance laws and rules for these 3 hours.

Does it include the flood hours?

Yes.

Can I take the courses in any order?

Yes. They are independent and you can work through them in whatever order suits you.

Is everything online?

Yes. All 27 hours are 100% online and self-paced. Hawaii sets no limit on online or self-study hours.

Can I log in and out without losing progress?

Yes. Your progress is saved in every course.

When do I get my certificates?

A certificate is emailed to you as soon as you finish each course, so you do not have to wait until the whole package is done.

Do I report the completions myself?

No. 1st Choice CE reports your completion to the Insurance Division within 15 days, as Hawaii requires providers to do.

When is my continuing education due?

By the last day of your birth month, on a two-year cycle. Hawaii publishes no odd-or-even-year rule, so confirm your exact renewal year in SBS License Manager.

What happens if I miss my compliance date?

There is no grace period. Your licence moves to inactive status automatically under HRS 431:9A-124(d). You can reinstate within 12 months by paying double the unpaid renewal fee, with no re-examination. After 12 months you must apply as a new applicant, including a new exam and fingerprinting.

Do extra hours carry over?

No. Hawaii allows no carryover between renewal cycles, and a course taken twice in the same cycle earns credit only once. Credits stay valid for 24 months after completion.

How much do I save versus buying separately?

The courses total $111.93 purchased individually. The package is $79.99.

Is there a money-back guarantee?

Yes. If the package is not what you expected, contact us and we will make it right.

Who do I call if I need help?

Call or text 1-800-698-2770.