Hawaii Life Insurance [2024]
Hawaii insurance offers residents a 10-day free look period, 30-day grace period, and more. Find out the benefits and get affordable Hawaii insurance quotes to protect your loved ones.
Ready to compare quick life insurance quotes?
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Jul 8, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Jul 8, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
A/B Active Test Data
Not visible on live sitesTest Name: ab_mda_colors_qq
Test Info: Starting when a user lands on one of our post, page or company pages, we either leave the MDAs as they are (control), or change them to the standard orange color (variant). This control/variant assignment will be passed along via experiment ID with any MDA submission after the user lands on a valid page.
Test Assignment: MDAColorsQQ:control
We offer Hawaii residents life insurance from several of the best Hawaii life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so expect your Hawaii life insurance rates to differ.
However, this guide should help you understand the differences in Hawaii life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Hawaii.
Before we dive into this guide, find affordable Hawaii life insurance rates by clicking on our FREE quote tool above. Get started now.
Hawaii Life Insurance Quotes
We offer Hawaii residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.
Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.
Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.
Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.
Hawaii life insurance also offers residents a 10-day free look period, 30-day grace period, a guaranteed death benefit up to $300,000, privacy protection, and a timely payment of death benefit claims with accrued interest.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Life Insurance Rates in Hawaii
Let’s take a look at what the best Hawaii life insurance companies charge. This will give you an idea of what to expect with Hawaii life insurance rates. In the first chart below, you’ll notice the average annual rates for non-smokers based on age, marital status, and gender.
Now, take a look at the average annual rates for smokers based on age, marital status, and gender. As you can see, Hawaii life insurance quotes are much higher, presumably because of the higher mortality risk.
You can also see how many life insurance companies there are in Hawaii versus the other western states.
According to the chart, there are four Hawaii life insurance companies that specifically do business within the state. However, that doesn’t mean less Hawaii life insurance policy options for you. Click our free quote tool on this page to find out exactly who will offer you the best Hawaii life insurance rate.
Hawaii Guaranty Association
State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.
In Hawaii, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.
Hawaii Life Insurance Contacts
Here is a list of all the necessary state contacts for residents with Hawaii life insurance claims and other related matters.
Guaranty Association
If you need information about a Hawaii life insurance or disability insurance guaranty, contact the Hawaii Life & Disability Insurance Guaranty Association at 1-808-528-5400 or visit the website.
Hawaii Insurance Department
For the latest updates from the Hawaii Department of Insurance, you can call 1-808-586-2790 or visit the website. Here, you can review the Hawaii Department of Insurance bulletins and more regulatory information.
You can also access the Hawaii insurance license search and see which agents or providers need an up-to-date Hawaii insurance license renewal or are not compliant with the Hawaii life insurance license requirements. The Hawaii state license lookup will also tell you which types of policies each provider sells.
Legal Info
QuickQuote is licensed to sell life insurance in Hawaii under Agency License Number 364990.
The licensed company principal is Tim Bain, Agent License Number 310139.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Hawaii Life Insurance Companies
American General Life Insurance Company
Banner Life Insurance Company
Fidelity Life Association
Haven Life / MassMutual
John Hancock Life Insurance Company
Lincoln National Life Insurance Company
Metlife Life Insurance Company
North American Company for Life & Health Insurance
Pacific Life & Annuity Company
Principal Life Insurance Company
Protective Life Insurance Company
Pruco Life Insurance Company (Prudential)
Sagicor Life Insurance Company
The Savings Bank Life Insurance Company of Massachusetts (SBLI)
Transamerica Life Insurance Company
United of Omaha Life Insurance Company
Don’t wait — Use our free quote tool to get affordable life insurance rates in Hawaii. Get started now.
Frequently Asked Questions
Are Hawaii insurance quotes free?
Yes, your insurance quotes are always free.
How are insurance rates determined in Hawaii?
insurance rates in Hawaii are determined by factors such as age, marital status, gender, and whether the individual is a smoker or non-smoker.
How many insurance companies are available in Hawaii?
There are four Hawaii insurance companies that specifically do business within the state.
What is the Hawaii Guaranty Association?
The Hawaii Guaranty Association is an association made up of all insurance companies licensed to sell insurance, health insurance, and annuities in the state.
Is QuickQuote licensed to sell insurance in Hawaii?
Yes, QuickQuote is licensed to sell insurance in Hawaii under Agency License Number 364990. The licensed company principal is Tim Bain, Agent License Number 310139.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.