Hawaii Insurance Producer CE Requirements, Explained
Last reviewed June 2026 against the official sources linked below. Requirements change — always confirm with your board before relying on them.
Total hours
24 hours per term
Renewal cycle
Every 2 years
Ethics requirement
3 hrs ethics or insurance law (within the 24)
Issued by
Hawaii Insurance Division
Hawaii runs a 24-hour, two-year cycle, but it writes the ethics requirement a little more loosely than most states: the 3 mandatory hours can be ethics training or insurance laws and rules, which gives you some flexibility in how you satisfy them. For multi-line producers, the rest of the hours are split across specific subject areas rather than left fully open.
The Hawaii Insurance Division, part of the Department of Commerce and Consumer Affairs, oversees producer licensing. Your renewal lands on the last day of your birth month, in an odd or even year depending on whether you were born in an odd or even month.
The base requirement: 24 hours with 3 ethics or law
Resident producers must complete 24 credit hours of approved continuing education before each license renewal, of which 3 credit hours must relate to ethics training or to insurance laws and rules. Those 3 hours count within the 24, not on top of it. The flexibility to use either ethics or law for those hours is a Hawaii-specific quirk worth knowing before you buy a course.
The line-specific split for multi-line producers
- Producers holding multiple lines of authority generally allocate the 24 hours as 10 hours relating to Life or Accident and Health/Sickness, 11 hours relating to Property, Casualty, or Surety, and 3 hours of ethics or insurance law.
- The exact subject breakdown depends on which lines you hold - single-line producers concentrate their general hours in that line.
- The 3 ethics-or-law hours are required across all license combinations.
- Confirm your specific allocation against your license type before you build a course bundle.
Stop tracking this in a spreadsheet
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Start tracking — freeYour deadline and the reporting buffer
Your license renews every two years on the last day of your birth month, with the odd-or-even year tied to your birth month. Because the Insurance Division needs completion reports uploaded before renewal, producers should finish their CE no later than 15 days before the renewal due date. That buffer, not the expiration date itself, is your real cutoff.
How CredTally keeps this on autopilot
- Track 24 hours with a dedicated 3-hour ethics-or-law bucket and, for multi-line producers, separate buckets for the Life/Health and Property/Casualty subject splits - so the mix is never a surprise.
- Multi-state producers: every license gets its own card, deadline, and reminders, so Hawaii's birth-month cycle never collides with another state's clock.
- Store every certificate with the course it proves, so Insurance Division reviews and renewals are a download, not a hunt.
- Reminders at 90, 60, 30, and 7 days before each license's deadline, with your remaining hours front and center - early enough to beat the 15-day reporting cutoff.
- Export a dated PDF packet - summary plus every certificate - for an audit or carrier review in one click.
Frequently asked questions
How many CE hours do Hawaii insurance producers need?
Twenty-four credit hours every two-year renewal, including 3 hours relating to ethics training or to insurance laws and rules.
Does Hawaii require ethics CE specifically?
Hawaii requires 3 hours that may be satisfied with either ethics training or insurance laws and rules - you have flexibility in how you meet those 3 hours.
When is Hawaii insurance CE due?
By the last day of your birth month, every two years, on an odd or even year tied to your birth month. Finish at least 15 days early so completions can be uploaded before renewal.
How are the hours split for multi-line producers in Hawaii?
Multi-line producers generally complete 10 hours in Life or Accident and Health, 11 hours in Property, Casualty, or Surety, and 3 hours of ethics or insurance law - check your specific lines to confirm.
Official sources
CredTally is a record-keeping tool and is not affiliated with any licensing board. This guide is general information, not legal or compliance advice.
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Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
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