Hawaii’s life insurance laws are governed by Title 24 of the Hawaii Revised Statutes.
- 10-day free look period (HI Rev. Stat Ann. 431:10-214)
- 30-day grace period (HI 431:10D-102)
- Insurers must pay interest on claims not paid within 30 days, with interest accruing from the date of death (HI Rev. Stat Ann. 431:10-243)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Idaho’s life insurance laws and Illinois’s life insurance laws are nearly identical to those of Hawaii).
How Much Is A $10,000 Whole Life Policy In Hawaii?
The table below shows the rates by age of $10,000 of whole life insurance in Hawaii.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.67 | $17.38 | $14.04 | $15.72 |
| 25 | $15.88 | $18.16 | $15.26 | $16.91 |
| 30 | $17.26 | $19.60 | $15.99 | $18.95 |
| 35 | $19.10 | $22.04 | $17.45 | $20.92 |
| 40 | $21.25 | $24.97 | $19.65 | $23.32 |
| 45 | $23.95 | $29.17 | $22.92 | $27.73 |
| 50 | $27.35 | $33.68 | $24.91 | $32.23 |
| 55 | $32.26 | $39.77 | $28.34 | $36.67 |
| 60 | $39.26 | $47.06 | $33.18 | $42.56 |
| 65 | $47.93 | $57.76 | $41.02 | $50.81 |
| 70 | $59.96 | $71.63 | $52.75 | $60.66 |
| 75 | $97.89 | $133.19 | $71.89 | $95.01 |
| 80 | $134.19 | $182.15 | $98.47 | $135.24 |
| 85 | $187.70 | $258.44 | $132.40 | $192.57 |
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Best Life Assurance In Hilo
Hilo, nestled on the northeastern shores of Hawaii’s Big Island, is a scenic gem that offers an enchanting mix of natural beauty and rich cultural heritage. Known for its lush rainforests, stunning waterfalls, and vibrant gardens, this tranquil city serves as a gateway to the wonders of Hawaii Volcanoes National Park. Hilo’s downtown area, with its historical buildings, unique shops, and local markets, exudes a charming old-world vibe, inviting visitors to immerse themselves in the island’s history and tradition. Its coastline, characterized by beautiful black sand beaches, provides an ideal setting for a variety of water activities. Whether it’s exploring the depths of its tropical landscapes or enjoying the warmth of its local community, Hilo guarantees an unforgettable Hawaiian experience.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Financial Benefits Insurance Inc. Hilo Office | 1289 Kilauea Ave Unit G | +18087925194 |
| Zack Pacleb – State Farm Insurance Agent | 72 Kapiolani St | +18086573212 |
| Business Insurance Services Inc | 1080 Kilauea Ave | +18089351888 |
| Iris Kuwaye – State Farm Insurance Agent | 9 Lei St | +18089353375 |
| Stan A Kinoshita & Associates Inc | 410 Kilauea Ave | +18089352888 |
| Atlas Insurance Agency | 80 Pauahi St STE 105 | +18089352943 |
| Mutual Underwriters – Hilo | 275 Ponahawai St # 105 | +18089691110 |
| Markham Insurance Services | 165 Keawe St STE 101 | +18089358795 |
| Christina Taylor: Primerica – Financial Services | 202 Waianuenue Ave | +18089353821 |
| Primerica Hilo | 202 Waianuenue Ave | +18085610561 |
| Allstate Personal Financial Representative: Guy Brannum | 680 Manono St | +18087442581 |
| Nakoa Kai Insurance Professionals: Allstate Insurance | 680 Manono St | +18089697767 |
| Dodo Mortuary Life Plan Inc | 459 Waianuenue Ave | +18089356886 |
| Galen Mizuguchi – Aflac Insurance Agent | 605 Laukapu St #202 | +18089331404 |
Best Coverage In East Honolulu
East Honolulu, nestled on the southeastern shore of Oahu, is a picturesque community known for its breathtaking coastal views, serene residential areas, and affluent neighborhoods. This Hawaiian gem boasts a blend of natural beauty, with its inviting sandy beaches, rugged cliffs, and lush green landscapes, making it a prime location for both outdoor adventures and tranquil living. From the popular Hanauma Bay, renowned for snorkeling, to the tranquil surroundings of Koko Head District Park, East Honolulu offers a unique blend of leisure activities. Its close proximity to Honolulu’s urban center provides residents and visitors with the best of both worlds: a peaceful, scenic retreat with easy access to city amenities and cultural attractions. Whether you’re seeking a quiet coastal escape or an active lifestyle in a prestigious community, East Honolulu embodies the essence of island living with a touch of luxury.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Crum & Forster Insurance | 733 Bishop St STE 2200 | +18085375221 |
| Life & Medicare Insurance Consulting Hawaii | 1600 Kapiolani Blvd Suite 1200 | +18083727297 |
| ACW Group LLC | 1000 Bishop St | +18085355050 |
| Insurance Benefits Services | 1585 Kapiolani Blvd #1020 | +18089416617 |
| Hawaii Life & Disability Insurance | 1132 Bishop St # 1590 | +18085285400 |
| Insurance Associates, Inc. | 800 Bethel St STE 200 | +18085386938 |
| Advanced Life Insurance Strategies | 707 Richards St | +18084398150 |
| Pacific Guardian Life | 1440 Kapiolani Blvd #1700 | +18089552236 |
| Prudential Life Insurance & Financial Services | 1100 Alakea St | +18085666777 |
| Leilani Yee at Comparion Insurance Agency | 711 Kapiolani Blvd Ste 425 | +18086506073 |
| New York Life Insurance | 733 Bishop St 22nd Floor | +18085296300 |
| Hawaiian Life Insurance | 1440 Kapiolani Blvd # 1525 | +18089426541 |
| Metropolitan Life Insurance Company: Kaelene Wong | 737 Bishop St #2910 | +18085403739 |
| Liane Chong – Aflac Insurance Agent | 765 Amana St # 202 | +18089473574 |
| Premier Insurance | 680 Iwilei Rd # 760 | +18085320100 |
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Best Policies In Honolulu
Honolulu, the vibrant capital of Hawaii, is a breathtaking blend of natural beauty and modern allure. Nestled on the island of Oahu, it’s a city where pristine white-sand beaches meet towering skyscrapers, and where local traditions and cosmopolitan living merge seamlessly. Home to the iconic Waikiki Beach and the historic Pearl Harbor, Honolulu is a hub of culture, history, and endless adventure. From indulging in world-class cuisine and exploring lush rainforests to soaking up the rich heritage and vibrant arts scene, Honolulu offers an unparalleled fusion of experiences. Whether you’re seeking relaxation or adventure, this Pacific paradise promises unforgettable moments under the sun.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Crum & Forster Insurance | 733 Bishop St STE 2200 | +18085375221 |
| Insurance Benefits Services | 1585 Kapiolani Blvd #1020 | +18089416617 |
| Hawaii Life & Disability Insurance | 1132 Bishop St # 1590 | +18085285400 |
| David McCurdy Insurance Agency | 1177 Queen St APT 3204 | +18089276316 |
| Insurance Associates, Inc. | 800 Bethel St STE 200 | +18085386938 |
| Advanced Life Insurance Strategies | 707 Richards St | +18084398150 |
| Prudential Life Insurance & Financial Services | 1100 Alakea St | +18085666777 |
| Jordan Sloan at Comparion Insurance Agency | 711 Kapiolani Blvd Ste 425 | +18086506077 |
| Hawaiian Life Insurance | 1440 Kapiolani Blvd # 1525 | +18089426541 |
| Sam Lee, Bankers Life Agent | 737 Bishop St Ste 1850 | +18085361028 |
| Metropolitan Life Insurance Company: Kaelene Wong | 737 Bishop St #2910 | +18085403739 |
| Lynn Gushiken, Bankers Life Agent | 737 Bishop St Ste 1850 | +18085361028 |
| Margaret Haynie, Bankers Life Agent | 737 Bishop St Ste 1850 | +18085361028 |
| Liane Chong – Aflac Insurance Agent | 765 Amana St # 202 | +18089473574 |
Best Life Cover In Waipahu
Waipahu is a vibrant city located in the Ewa District of Oahu, in the beautiful state of Hawaii. Known for its rich history as a sugar plantation town, Waipahu now blends its historical roots with modern-day living. This city is home to a diverse community that enjoys a variety of recreational activities, local shopping, and dining experiences, including authentic Hawaiian and multi-ethnic cuisines. The Waipahu Cultural Garden Park serves as a green oasis and a nod to the area’s past, offering residents and visitors alike a glimpse into the plantation days through its restored plantation village. With its convenient location, just a short drive from Honolulu and the stunning beaches of Oahu, Waipahu offers a unique mix of cultural heritage, community spirit, and natural beauty, making it a cherished spot for both locals and tourists.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Hawaiian Life Insurance | 1440 Kapiolani Blvd # 1525 | +18089426541 |
| Thomas Marchant, Insurance Agent | 94-208 Hahana Way | +18083785510 |
| Irene Brackenridge: Primerica – Financial Services | 94-487 Akoki St | +18086710555 |
| Gloria Rabbon, Bankers Life Agent | 94-1024 Waipio Uka St # 207 | +18188853800 |
| Leonor Cortez, Bankers Life Agent | 94-1024 Waipio Uka St # 207 | +18188853800 |
Best Life Insurance In
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Top Life Insurance Companies In Hawaii
For the residents of the great state of Hawaii, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
“Immediate Solution” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
“Living Promise” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
