5 HRs Life Insurance Products and Retirement Planning - Hawaii

✅ Approved by Hawaii Department of Commerce and Consumer Affairs Insurance Division | Provider #500032211 | Course #6000223781 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 5 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 Life & Health 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: 5 HRs Life Insurance Products and Retirement Planning
• Approved by: Hawaii Department of Commerce and Consumer Affairs Insurance Division
• Provider number: 500032211
• Course number: 6000223781
• Course length: 5 hours
• Course category: Life & Health
• 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/5-hrs-life-insurance-retirement-hawaii/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed life and annuity agents and producers
• Agents who compare permanent and term designs for clients
• Producers who position annuities inside a retirement income plan
• Agents who present policy illustrations and need to explain them accurately
• Producers who handle replacements and 1035 exchanges
• Agents who need life and health credit toward Hawaii's renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 5 approved hours in Hawaii's Life and Accident & Health group. For a producer holding that group alone, the requirement is 21 hours in the group plus 3 hours of ethics or insurance laws and rules, for 24 in total. This course does not satisfy the requirement on its own and it does not satisfy the 3-hour ethics requirement.

Read this carefully if you also hold Property & Casualty or Personal Lines authority: Hawaii will NOT apply surplus Life/Health credit to your Property & Casualty requirement. Holding both groups means 10 Life/A&H hours, 11 P&C hours and 3 ethics hours, and these 5 hours count only against the Life/A&H portion. Hawaii sets no cap on self-study or online hours, so they count in full.

✅ 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 5-hour course contributes 5 hours to your Hawaii LIFE AND ACCIDENT & HEALTH requirement. If you hold that group only, you need 21 hours in it plus 3 hours of ethics or insurance laws and rules; if you hold both groups you need 10 Life/A&H hours, 11 Property & Casualty hours and the same 3 ethics hours. These hours do NOT count toward a Property & Casualty shortfall - Hawaii does not let Life/Health credit migrate to the P&C bucket - and they do not satisfy the 3-hour ethics requirement.

✅ 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

• Compare term, whole life and universal life designs on cost, guarantees and flexibility
• Explain cash value, dividends and nonforfeiture options without overstating guarantees
• Distinguish fixed, indexed and variable annuities and the risk each transfers
• Apply the tax rules that govern death benefits, cash value growth and 1035 exchanges
• Read an illustration and identify the assumptions that create lapse risk
• Handle beneficiary designations and replacements to the required standard

✅ Course Content Overview

Hour 1: Term life and the underwriting foundation: level and decreasing term, renewability and convertibility, how underwriting classes are set, and matching a face amount to an actual need rather than a product.

Hour 2: Whole life and universal life: guaranteed cash value, dividends and participating designs, current assumption and guaranteed universal life, indexed universal life mechanics, and the nonforfeiture options available when a client stops paying.

Hour 3: Annuities: immediate versus deferred, fixed, indexed and variable designs, accumulation and payout phases, surrender charge schedules, riders, and the risks each design transfers between insurer and client.

Hour 4: Taxation and retirement income: income tax treatment of death benefits and cash value, modified endowment contracts, 1035 exchanges, qualified versus nonqualified money, required minimum distributions, and sequencing income sources in retirement.

Hour 5: Illustrations, suitability and replacement: reading guaranteed and non-guaranteed columns, lapse risk when assumptions do not hold, beneficiary designations and settlement options, and the disclosure and documentation a replacement requires.

✅ Other Hawaii Insurance CE Courses

• 3 Hour Ethics for Insurance Agents - Hawaii – $15.99
• 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
• 4 HRs Medicare Advantage and Part D Update - Hawaii – $15.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - Hawaii – $29.99

✅ 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 5 HRs Life Insurance Products and Retirement Planning for $15.99 and complete your 5 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.