3 Hour Ethics for Insurance Agents - Hawaii

✅ Approved by Hawaii Department of Commerce and Consumer Affairs Insurance Division | Provider #500032211 | Course #6000206428 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 3 approved hours toward your Hawaii insurance license continuing education with a course approved by the Hawaii Department of Commerce and Consumer Affairs Insurance Division for only $15.99. The hours apply to your 24-hour, group-split requirement and the course is approved in the Ethics category, so you can enroll online and start on your own schedule.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Your certificate is emailed the moment you finish, and 1st Choice CE reports your completion to the Insurance Division within 15 days, as Hawaii requires providers to do.

✅ Course Details

• Course name: 3 Hour Ethics for Insurance Agents
• Approved by: Hawaii Department of Commerce and Consumer Affairs Insurance Division
• Provider number: 500032211
• Course number: 6000206428
• Course length: 3 hours
• Course category: Ethics
• Course format: 100% online, self-paced
• Price: $15.99
• Certificate: emailed immediately after completion
• 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/3-hour-ethics-for-insurance-agents-hawaii/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed resident and nonresident insurance producers
• Life, accident and health agents
• Property and casualty agents and personal lines producers
• Producers who need to satisfy a mandated ethics requirement at renewal
• Agency owners and managers responsible for producer conduct
• Newly licensed agents building good habits before their first renewal

✅ Does This Course Satisfy the State Requirement?

This course provides 3 approved hours toward the 24 credit hours a Hawaii producer must complete each renewal cycle. Because this is an approved ethics course, these 3 hours are the hours that satisfy Hawaii's requirement for 3 hours of ethics or insurance laws and rules. It does not satisfy the whole requirement on its own - you still need the remaining general hours.

Read this carefully if you hold both line-of-authority groups: Hawaii will NOT apply surplus Life and Health credit to your Property and Casualty requirement. Holding both groups means 10 Life/A&H hours, 11 P&C hours and 3 ethics hours. Hawaii sets no cap on self-study or online hours, so they count in full, and Hawaii allows no carryover between cycles.

✅ 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 course helps: This 3-hour course contributes 3 of the 24 credit hours a Hawaii producer must complete each renewal cycle. It is approved in the Ethics category. Because this is an approved ethics course, these 3 hours are the hours that satisfy Hawaii's requirement for 3 hours of ethics or insurance laws and rules. It does not complete the rest of your renewal on its own.

✅ 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 Renew Your Hawaii License

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

• Identify the duties a producer owes the client, the insurer and the public and explain where they conflict
• Apply suitability and needs-based selling standards to a real recommendation
• Handle premium funds and client money in line with fiduciary obligations
• Recognize misrepresentation, twisting, churning and other unfair trade practices before they happen
• Apply disclosure, advertising and replacement standards correctly
• Protect client privacy and nonpublic personal information in daily practice

✅ Course Content Overview

Hour 1: What ethics means in an insurance context: the difference between what is legal and what is right, the duties a producer owes to the client, to the insurer and to the public, and how those duties conflict in ordinary situations. The hour covers agency and authority, fiduciary responsibility, the handling of premium funds and client money, and the standard of care a licensee is held to. It closes with a framework for working through an ethical decision rather than reacting to one.

Hour 2: Ethics in the sales process: suitability and needs-based selling, the information a producer must gather before making a recommendation, disclosure obligations and advertising standards, replacement rules and why replacement draws regulatory attention, and compensation transparency and conflicts of interest. The hour works through misrepresentation, twisting, churning and rebating with examples of how each one starts small.

Hour 3: Privacy, recordkeeping and accountability: protecting nonpublic personal information, the practical security a small agency owes its clients, complaint handling and the duty to cooperate with the department, and the disciplinary consequences of unfair trade practices. The hour ends with the ethical obligations that continue after the sale, when the client needs service or files a claim.

✅ Other Hawaii Insurance CE Courses

• 3-Hour Flood Insurance (NFIP) - Hawaii – $15.99
• 4-Hour Annuity Best Interest and Suitability - Hawaii – $15.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - 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
• 8 Hours Initial Long-Term Care Insurance Partnership Training - Hawaii – $29.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Hawaii – $15.99
• 4 HRs Personal Auto and Umbrella Insurance - Hawaii – $15.99

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Hawaii
• Affordable at $15.99
• 100%% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We report your completion 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 3 Hour Ethics for Insurance Agents for $15.99 and complete your 3 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.