--- title: Life Insurance in Hawaii: Quotes and State Rules | Coverfolk url: https://coverfolk.com/states/hawaii updated: 2026-10-08 --- # Life insurance in Hawaii Free quotes from licensed Hawaii agents, plus the state rules that protect you, in plain words. [Call free (888) 635-3511](tel:+18886353511)[Your rights](#rights) Calls are recorded and may be shared with a licensed agent. Updated October 8, 20266 sources[Fact checked](/editorial-standards) Hawaii The short answer 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 : [808-586-2790](tel:8085862790)Hawaii 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. **63.0%**of homes are lived in by the owner. Median value $839,100. **22.6%**of people are 65 or older **87,697**veterans live here **$100,389**median household income 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 **Mortgage protection** 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](/coverage/mortgage-protection) **Final expense** 22.6% of people here are 65 or older. A small policy keeps funeral costs off your family. [More on final expense](/coverage/final-expense) **Term life** The lowest price for the most coverage while the kids are young. [More on term life](/coverage/term-life) **Veterans** 87,697 veterans live in Hawaii. See what goes beyond VGLI. [More on veterans](/jobs/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](https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010-0214.htm) 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](https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010D-0102.htm) 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](http://www.hilifega.org) · [NOLHGA: how you are protected](https://nolhga.com/policyholders/how-youre-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](https://cca.hawaii.gov/ins/) 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](https://cca.hawaii.gov/ins/) Are you a licensed agent? [Buy Hawaii insurance leads on Dial Haul](https://dialhaul.com/states/hawaii/). ## Sources 1. [Census ACS 2020-2024 5-year Data Profiles DP02, DP03, DP04: Hawaii](https://data.census.gov/table/ACSDP5Y2024.DP04?g=040XX00US15) 2. [NOLHGA: How You're Protected (coverage as of June 1, 2025)](https://nolhga.com/policyholders/how-youre-protected/) 3. [NOLHGA: Contact My Guaranty Association](https://nolhga.com/policyholders/contact-my-guaranty-association/) 4. [NAIC Model Law Chart LI-30, Life Insurance Disclosure (Fall 2023)](https://content.naic.org/sites/default/files/model-law-chart-li-30-life-insurance-disclosure-provisions.pdf) 5. [HRS 431:10-214 Right to return policy](https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010-0214.htm) 6. [HRS 431:10D-102 Standard provisions](https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010D-0102.htm) 7. [Hawaii Insurance Division](https://cca.hawaii.gov/ins/) 8. [Hawaii Life & Disability Insurance Guaranty Association](http://www.hilifega.org) 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. Questions? [Call free (888) 635-3511](tel:+18886353511). Answered 24/7. More for Hawaii ## More Hawaii guides [Final expense in Hawaii](/states/hawaii/final-expense)[Mortgage protection in Hawaii](/states/hawaii/mortgage-protection)[Funeral costs in Hawaii](/funeral-costs/hawaii)[En español](/es/estados/hawaii) Questions? [Call free (888) 635-3511](tel:+18886353511). Answered 24/7. 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