In Hawaii, you get at least 10 days to return a new life policy for a refund, a 30 day grace period if you miss a payment, and up to $300,000 of protection if your insurance company fails.
Your rights in Hawaii
- Free look
- 10 daysReturn a new policy for a full refund.
- Grace period
- 30 daysCoverage stays on while you catch up.
- Safety net
- $300,000Death benefit protection. Cash value: $100,000.
- State help line
- 808-586-2790Hawaii Insurance Division
10 days after you receive an individual life policy, for a full premium refund (HRS 431:10-214). The insurer may keep actual medical exam costs if the notice says so. 30 days if the policy replaces an existing one (HRS 431:10D-505, per the NAIC chart).
30 days, and the policy stays in force (HRS 431:10D-102(a)(1)).
- If you return the policy within 10 days, it is void from the start, as if it was never issued (HRS 431:10-214).
- If a claim arises during the grace period, the overdue premium can be deducted from the payout (HRS 431:10D-102(a)(1)).
Who lives in Hawaii
About 1.4 million people live in Hawaii. We help people in Honolulu, Hawaii County (Big Island), Maui and the towns in between.
Census QuickFacts, American Community Survey 2020 to 2024. The 65 and over share is a Census population estimate for July 1, 2025.
What people in Hawaii look for
With 63.0% of homes owned and a median value of $839,100, a lot of families want the house covered. More on mortgage protection
22.6% of people here are 65 or older. A small policy keeps funeral costs off your family. More on final expense
The lowest price for the most coverage while the kids are young. More on term life
87,697 veterans live in Hawaii. See what goes beyond VGLI. More on veterans
Common questions in Hawaii
What is the free look period for life insurance in Hawaii?
Hawaii gives you at least 10 days to review a new individual life policy and return it for a refund. 10 days after you receive an individual life policy, for a full premium refund (HRS 431:10-214). The insurer may keep actual medical exam costs if the notice says so. 30 days if the policy replaces an existing one (HRS 431:10D-505, per the NAIC chart).
Source: Hawaii free look law
What happens if I miss a payment in Hawaii?
Hawaii law gives at least a 30 day grace period. 30 days, and the policy stays in force (HRS 431:10D-102(a)(1)).
Source: Hawaii grace period law
What if my life insurance company goes out of business in Hawaii?
The Hawaii Life & Disability Insurance Guaranty Association steps in. It protects up to $300,000 in death benefits and $100,000 in cash value, per insured person, as of June 2025.
Source: Hawaii Life & Disability Insurance Guaranty Association · NOLHGA: how you are protected
Who regulates life insurance in Hawaii?
The Hawaii Insurance Division. You can call its consumer help line at 808-586-2790 or visit cca.hawaii.gov/ins/ to check an agent's license or file a complaint.
Source: Hawaii Insurance Division
Can I get a life insurance quote online in Hawaii?
Yes. Coverfolk works with licensed agents in Hawaii. Answer a few questions, confirm your phone with a text code, and an agent shows you real prices. It is free.
Source: Hawaii Insurance Division
Are you a licensed agent? Buy Hawaii insurance leads on Dial Haul.
Sources
- Census ACS 2020-2024 5-year Data Profiles DP02, DP03, DP04: Hawaii
- NOLHGA: How You're Protected (coverage as of June 1, 2025)
- NOLHGA: Contact My Guaranty Association
- NAIC Model Law Chart LI-30, Life Insurance Disclosure (Fall 2023)
- HRS 431:10-214 Right to return policy
- HRS 431:10D-102 Standard provisions
- Hawaii Insurance Division
- Hawaii Life & Disability Insurance Guaranty Association
This is a plain summary of state rules, not legal advice. Your policy and the law control. Call the Hawaii Insurance Division if you have a problem with a company or agent.
