Best Life Insurance In Hawaii


  • Rikin Shah
  • Jun 20, 2024
Hawaii cost of a funeral

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.

Age20
Male$14.67
Male (Smoker)$17.38
Female$14.04
Female (Smoker)$15.72
Age25
Male$15.88
Male (Smoker)$18.16
Female$15.26
Female (Smoker)$16.91
Age30
Male$17.26
Male (Smoker)$19.60
Female$15.99
Female (Smoker)$18.95
Age35
Male$19.10
Male (Smoker)$22.04
Female$17.45
Female (Smoker)$20.92
Age40
Male$21.25
Male (Smoker)$24.97
Female$19.65
Female (Smoker)$23.32
Age45
Male$23.95
Male (Smoker)$29.17
Female$22.92
Female (Smoker)$27.73
Age50
Male$27.35
Male (Smoker)$33.68
Female$24.91
Female (Smoker)$32.23
Age55
Male$32.26
Male (Smoker)$39.77
Female$28.34
Female (Smoker)$36.67
Age60
Male$39.26
Male (Smoker)$47.06
Female$33.18
Female (Smoker)$42.56
Age65
Male$47.93
Male (Smoker)$57.76
Female$41.02
Female (Smoker)$50.81
Age70
Male$59.96
Male (Smoker)$71.63
Female$52.75
Female (Smoker)$60.66
Age75
Male$97.89
Male (Smoker)$133.19
Female$71.89
Female (Smoker)$95.01
Age80
Male$134.19
Male (Smoker)$182.15
Female$98.47
Female (Smoker)$135.24
Age85
Male$187.70
Male (Smoker)$258.44
Female$132.40
Female (Smoker)$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.

Financial Benefits Insurance Inc. Hilo OfficeZack Pacleb – State Farm Insurance Agent
1289 Kilauea Ave Unit G72 Kapiolani St
+18087925194+18086573212
Financial Benefits Insurance Inc. Hilo OfficeBusiness Insurance Services Inc
1289 Kilauea Ave Unit G1080 Kilauea Ave
+18087925194+18089351888
Financial Benefits Insurance Inc. Hilo OfficeIris Kuwaye – State Farm Insurance Agent
1289 Kilauea Ave Unit G9 Lei St
+18087925194+18089353375
Financial Benefits Insurance Inc. Hilo OfficeStan A Kinoshita & Associates Inc
1289 Kilauea Ave Unit G410 Kilauea Ave
+18087925194+18089352888
Financial Benefits Insurance Inc. Hilo OfficeAtlas Insurance Agency
1289 Kilauea Ave Unit G80 Pauahi St STE 105
+18087925194+18089352943
Financial Benefits Insurance Inc. Hilo OfficeMutual Underwriters – Hilo
1289 Kilauea Ave Unit G275 Ponahawai St # 105
+18087925194+18089691110
Financial Benefits Insurance Inc. Hilo OfficeMarkham Insurance Services
1289 Kilauea Ave Unit G165 Keawe St STE 101
+18087925194+18089358795
Financial Benefits Insurance Inc. Hilo OfficeChristina Taylor: Primerica – Financial Services
1289 Kilauea Ave Unit G202 Waianuenue Ave
+18087925194+18089353821
Financial Benefits Insurance Inc. Hilo OfficePrimerica Hilo
1289 Kilauea Ave Unit G202 Waianuenue Ave
+18087925194+18085610561
Financial Benefits Insurance Inc. Hilo OfficeAllstate Personal Financial Representative: Guy Brannum
1289 Kilauea Ave Unit G680 Manono St
+18087925194+18087442581
Financial Benefits Insurance Inc. Hilo OfficeNakoa Kai Insurance Professionals: Allstate Insurance
1289 Kilauea Ave Unit G680 Manono St
+18087925194+18089697767
Financial Benefits Insurance Inc. Hilo OfficeDodo Mortuary Life Plan Inc
1289 Kilauea Ave Unit G459 Waianuenue Ave
+18087925194+18089356886
Financial Benefits Insurance Inc. Hilo OfficeGalen Mizuguchi – Aflac Insurance Agent
1289 Kilauea Ave Unit G605 Laukapu St #202
+18087925194+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.

733 Bishop St STE 22001600 Kapiolani Blvd Suite 1200
+18085375221+18083727297
Crum & Forster InsuranceACW Group LLC
733 Bishop St STE 22001000 Bishop St
+18085375221+18085355050
Crum & Forster InsuranceInsurance Benefits Services
733 Bishop St STE 22001585 Kapiolani Blvd #1020
+18085375221+18089416617
Crum & Forster InsuranceHawaii Life & Disability Insurance
733 Bishop St STE 22001132 Bishop St # 1590
+18085375221+18085285400
Crum & Forster InsuranceInsurance Associates, Inc.
733 Bishop St STE 2200800 Bethel St STE 200
+18085375221+18085386938
Crum & Forster InsuranceAdvanced Life Insurance Strategies
733 Bishop St STE 2200707 Richards St
+18085375221+18084398150
Crum & Forster InsurancePacific Guardian Life
733 Bishop St STE 22001440 Kapiolani Blvd #1700
+18085375221+18089552236
733 Bishop St STE 22001100 Alakea St
+18085375221+18085666777
733 Bishop St STE 2200711 Kapiolani Blvd Ste 425
+18085375221+18086506073
Crum & Forster InsuranceNew York Life Insurance
733 Bishop St STE 2200733 Bishop St 22nd Floor
+18085375221+18085296300
Crum & Forster InsuranceHawaiian Life Insurance
733 Bishop St STE 22001440 Kapiolani Blvd # 1525
+18085375221+18089426541
Crum & Forster InsuranceMetropolitan Life Insurance Company: Kaelene Wong
733 Bishop St STE 2200737 Bishop St #2910
+18085375221+18085403739
Crum & Forster InsuranceLiane Chong – Aflac Insurance Agent
733 Bishop St STE 2200765 Amana St # 202
+18085375221+18089473574
Crum & Forster InsurancePremier Insurance
733 Bishop St STE 2200680 Iwilei Rd # 760
+18085375221+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.

Crum & Forster InsuranceInsurance Benefits Services
733 Bishop St STE 22001585 Kapiolani Blvd #1020
+18085375221+18089416617
Crum & Forster InsuranceHawaii Life & Disability Insurance
733 Bishop St STE 22001132 Bishop St # 1590
+18085375221+18085285400
Crum & Forster InsuranceDavid McCurdy Insurance Agency
733 Bishop St STE 22001177 Queen St APT 3204
+18085375221+18089276316
Crum & Forster InsuranceInsurance Associates, Inc.
733 Bishop St STE 2200800 Bethel St STE 200
+18085375221+18085386938
Crum & Forster InsuranceAdvanced Life Insurance Strategies
733 Bishop St STE 2200707 Richards St
+18085375221+18084398150
733 Bishop St STE 22001100 Alakea St
+18085375221+18085666777
733 Bishop St STE 2200711 Kapiolani Blvd Ste 425
+18085375221+18086506077
Crum & Forster InsuranceHawaiian Life Insurance
733 Bishop St STE 22001440 Kapiolani Blvd # 1525
+18085375221+18089426541
Crum & Forster InsuranceSam Lee, Bankers Life Agent
733 Bishop St STE 2200737 Bishop St Ste 1850
+18085375221+18085361028
Crum & Forster InsuranceMetropolitan Life Insurance Company: Kaelene Wong
733 Bishop St STE 2200737 Bishop St #2910
+18085375221+18085403739
Crum & Forster InsuranceLynn Gushiken, Bankers Life Agent
733 Bishop St STE 2200737 Bishop St Ste 1850
+18085375221+18085361028
Crum & Forster InsuranceMargaret Haynie, Bankers Life Agent
733 Bishop St STE 2200737 Bishop St Ste 1850
+18085375221+18085361028
Crum & Forster InsuranceLiane Chong – Aflac Insurance Agent
733 Bishop St STE 2200765 Amana St # 202
+18085375221+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.

Hawaiian Life InsuranceThomas Marchant, Insurance Agent
1440 Kapiolani Blvd # 152594-208 Hahana Way
+18089426541+18083785510
1440 Kapiolani Blvd # 152594-487 Akoki St
+18089426541+18086710555
Hawaiian Life InsuranceGloria Rabbon, Bankers Life Agent
1440 Kapiolani Blvd # 152594-1024 Waipio Uka St # 207
+18089426541+18188853800
Hawaiian Life InsuranceLeonor Cortez, Bankers Life Agent
1440 Kapiolani Blvd # 152594-1024 Waipio Uka St # 207
+18089426541+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 TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life0 – 85 years
Policy TypeCoverage Range
Whole Life$1,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Very low prices
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • 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 TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life45 – 85 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Excellent customer service
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Moderately strict underwriting

Aetna

“Protection Series” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Policy TypeAge Range
Whole Life45 – 89 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
Considerations
  • N/A

Rikin Shah

Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.