Term Life Insurance In Hawaii // Free Quotes & Tips For 2020 ™
Anyone who has been to Hawaii talks only about how beautiful it is and how they can’t wait to go back.
However, if you live there, you probably are completely used to how beautiful it really is.
We put together this post so that you can have quick access to the Hawaii department of insurance as well as their guaranty association.
You will also find out information specific to the state of Hawaii and have a better understanding of why you need life insurance if you live in the state of Hawaii.
Comparing Hawaii Life Insurance Quotes
What’s The Free Look Period?
When you purchase your life insurance policy you still have what is known as the “free look” period in which you can return the policy.
If you use the free look period, the insurance company must refund you all of your monies and the the policy will be cancelled.
The average free look period is 30 days; however, each company can have a different period so it is best to check with them directly.
Life Insurance made easy.
Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get life insurance coverage within minutes of getting your quotes and applying.
How Life Insurance Rates Are Determined In Hawaii
Age
Age is going to be one of the largest factors when determining your life insurance rates in Hawaii. The younger you are when you purchase coverage, the more affordable it is going to be.

Gender
Your gender is going to be the second largest factor when figuring out your life insurance rates. You will find that women are going to have much more affordable rates than men, primarily because they live longer than men on average.
Tobacco Usage
If you are a tobacco user, you can expect your rates to be upwards of 65% more expensive on a monthly basis. With Cancer being a leading cause of death in Hawaii, and since smoking increases your rates considerably, if you smoke, it’s probably time to quit.
Coverage Amount
The amount of coverage that you purchase will also change your rates. The higher the coverage amount you purchase, the more expensive the policy will become.
Term Length
Term length is going to be a factor because the longer the term length the more expensive a policy will become. However, don’t let this fool you, if you lock your rates in for a longer term, you will actually save more money over time.
Current Health
Everyone is underwritten on an individual basis, this means that if you have a twin, their rates can still be different if their health is different.
Driving Record
Life insurance companies want to know that you aren’t a crazy driver. If you have a history of speeding, DUI’s or DWI’s you could be looking at higher rates or even a decline for coverage.
Top 10 Leading Causes Of Death In Hawaii
It is essential that you purchase Hawaii life insurance when you are young so that your rates are affordable.
A life insurance policy would cover all of the above deaths, including suicide after 2 years of having the policy.
Hawaii Department Of Insurance

Website: Hawaii Department Of Insurance
Insurance Commissioner: Gordon Ito
Consumer Insurance Helpline: 1 (808) 586 – 2790
Office Hours: Monday – Friday 7:45 AM AM to 4:30 PM
File a Consumer Insurance Complaint: Complaint Page
Find a Licensed Life Insurance Agent: Agent License Search Page
Hawaii Life & Health Insurance Guaranty Association

The Hawaii Guaranty Association was created to make sure that consumers were protected if a life insurance company become insolvent. Their contact info is below:
Website: Hawaii Life & Disability Insurance Guaranty Association
Phone: (808) 528 – 5400
Address:
Hawaii Life & Disability Insurance Guaranty Association
1132 Bishop Street, Suite 1590
Honolulu, HI 96813
Hawaii Guaranty Association Protection Limits
Each state has a specific limit that they can go up to in case your life insurance company fails.
Life Insurance
Life Insurance made easy.
Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get life insurance coverage within minutes of getting your quotes and applying.
Taking Action
There is no need to wait when it comes to getting some life insurance in Hawaii.
You can get immediate quotes and coverage by clicking here or on any of the above buttons.
Feel free to leave a comment if you have any additional questions.