Course Description

3 Hour Ethics for Insurance Agents – Hawaii

Approved by the Hawaii Department of Commerce and Consumer Affairs (DCCA) | Approved Provider #500032211 | Approved Course #6000206428 ✅
Only $15.99 | No added or extra fees | Instant Certificate | 100% Online & Self-Paced
Important: We do not charge Hawaii’s $1.00 per CE credit hour roster fee separately at checkout (a $3.00 value for a 3-hour course). It’s included in the $15.99 price. ✅

Meet Hawaii’s ethics/laws & rules CE requirement with this practical, producer-focused ethics course. Built for busy insurance professionals, it’s 100% online and self-paced, so you can log in and out anytime without losing your place. Finish on your schedule, download your instant certificate, and we report your credits within 24 hours of completion.

This course focuses on real-world ethics and compliance issues producers face every day—conflicts of interest, truthful advertising, ethical replacements, privacy and data security, complaint handling, and documentation habits that reduce E&O exposure.

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✅ Who Should Take This Course?

✅ Hawaii resident insurance producers who need ethics or laws & rules CE hours for renewal
✅ Life, Accident & Health, Property, Casualty, and Personal Lines agents
✅ Producers who want stronger compliance habits that help prevent complaints and licensing issues
✅ Agents who sell, service, or replace coverage and want clearer documentation standards

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✅ Hawaii Insurance CE & Renewal Requirements (What to Know)

Hawaii producers generally renew on a 2-year cycle, and continuing education must be completed before renewal.

✅ Total CE required: 24 CE hours per renewal cycle
✅ Ethics/Laws & Rules required: 3 hours (this course satisfies the 3-hour requirement) ✅
✅ Line-of-authority course mix (common breakdowns):
✅ Life or Accident & Health only: 21 hours Life/A&H + 3 hours Ethics/Laws & Rules
✅ Property/Casualty only: 21 hours P&C + 3 hours Ethics/Laws & Rules
✅ Multi-line (Life/A&H + Property/Casualty): 10 hours Life/A&H + 11 hours P&C + 3 hours Ethics/Laws & Rules

✅ Renewal deadline: Licenses typically expire every two years on the last day of your birth month.
✅ Timing tip: Finish CE at least 15 days before your renewal due date so your completion is received and posted in time.

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✅ How to Renew Your Hawaii Insurance License (Step-by-Step)

✅ Step 1: Confirm your renewal deadline
Your Hawaii producer license typically renews every two years, with expiration on the last day of your birth month.

✅ Step 2: Confirm your CE requirement and line mix
Plan for 24 total hours, including 3 hours of Ethics/Laws & Rules, plus line-specific hours based on your license.

✅ Step 3: Complete your CE online (self-paced)
Start anytime, pause anytime, and resume right where you left off.

✅ Step 4: Download your instant certificate ✅
Your certificate is available immediately after completion for your records.

✅ Step 5: We report your credits within 24 hours ✅
Your completion is reported quickly so your CE record updates promptly.

✅ Step 6: Renew your license on time
Submit your renewal once your CE is posted—ideally before the last day of your birth month to avoid delays or inactivation.

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✅ Topics Covered in This Course (3 Hours)

Hour 1: Core Ethical Duties of the Insurance Producer (50 minutes)

✅ Client interest as the primary duty (best interest vs. suitability expectations in common scenarios)
✅ Conflicts of interest and disclosure (referral fees, bonuses, ownership interests, non-financial conflicts)
✅ Truthful advertising and communications (illustrations, social media, and fair comparisons)
✅ Ethical recommendations and replacements (documenting tangible client benefit; avoiding churning/twisting)
✅ Elder and vulnerable client protections (undue influence red flags, ethical pause-points, escalation channels)
✅ Cultural competence, fair treatment, and anti-discrimination practices

Hour 2: Market Conduct, Compliance Foundations, and Recordkeeping (50 minutes)

✅ Unfair trade practices and inducements (rebating, excessive gifts, tying arrangements, compliant value-adds)
✅ Privacy, data ethics, and cybersecurity duties (secure handling, least-necessary use, incident response basics)
✅ AML and fraud prevention red flags (suspicious patterns, documentation, internal escalation)
✅ Ethical documentation and 5-year+ record retention (defensible file contents and retention practices)
✅ Complaint handling, corrective action, and ethical self-reporting considerations
✅ Supervision, training, and delegation ethics (CSR boundaries, checklists, quality control, signature limits)

Hour 3: Applying Ethics Across Lines, Products, and the Client Lifecycle (50 minutes)

✅ Life & annuities: fact-finding, comparisons, replacements, and documenting the rationale
✅ Health/Medicare & disability: clarity on networks, total cost, ethical enrollment practices
✅ Property/Casualty & personal lines: adequacy vs. price, limits/exclusions, annual check-ins
✅ Commercial lines: transparency for small business clients and coverage-structure education
✅ Post-sale duties: service standards, renewals, life-event reviews, continuity of advice
✅ Ethical use of technology, AI, and comparative raters (avoiding automation bias, protecting data, human review)

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✅ Why Choose 1st Choice CE?

✅ Hawaii DCCA approved (Provider #500032211 | Course #6000206428)
✅ Only $15.99 — no added or extra fees
✅ We do not charge the $1.00/credit-hour roster fee separately (included) ✅
✅ 100% online and mobile-friendly
✅ Self-paced access — log in/out anytime without losing progress
✅ Instant certificate of completion
✅ Credits reported within 24 hours
✅ Money-back guarantee
✅ Over 10 years of trusted CE service
✅ Support by phone or text: 1-800-698-2770

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Enroll Now – Just $15.99 ✅

Course Details

• Approved by the Hawaii Department of Commerce and Consumer Affairs (DCCA)
• Approved Provider #500032211
• Approved Course #6000206428
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.