How to Apply for, Reinstate or Reactivate an Insurance License

All resident individuals seeking to apply for initial licenses or license reactivation must complete the below requirements.  The Division reserves the right to reject any application if all required information is not timely submitted.

  1. For initial license applicants: Take the insurance examination and obtain a passing examination score.  The Division will receive your examination score electronically.
  2. Get fingerprinted for licensing purposes (does not apply to a Third Party Administrator applicant).
    If you are submitting applications for two licenses simultaneously (e.g., producer and surplus lines broker), you will need to be fingerprinted once.  However, if you submit your producer application now and apply for a surplus lines broker license at a later date, you will need to be fingerprinted again.
    To obtain fingerprints, schedule an appointment online at http://www.fieldprinthawaii.com.  Fees collected by Fieldprint include state and federal submission fees.  Effective September 1, 2018, all applicants must enter “HI-DCCA-INS”, the code that identifies the Insurance Division as the intended recipient of your fingerprint result, when scheduling an online appointment with Fieldprint.
  3. Submit your completed license application and applicable licensing fee within 60 days of the date of fingerprinting.

 

HOW TO APPLY FOR THE USE OR CHANGE OF A TRADE NAME ON THE LICENSE

Every person shall apply to the Department of Commerce and Consumer Affairs (Business Registration Division) and the Insurance Commissioner for approval of the use or change of a trade name to the insurance license.

Please follow the steps below to apply for the use or change of a trade name on your insurance license:

  1. Go to Business Registration Division (“BREG”) website at http://cca.hawaii.gov/breg/ or call (808) 586-2727 and apply for registration of a trade name or change of a trade name.
  2. Once the trade name is registered with BREG, complete and submit Form NTA (download from http://cca.hawaii.gov/ins/producers/forms/ ) and attach proof that trade name is registered by the licensee with BREG to the Insurance Licensing Branch at [email protected] or fax to (808) 587-6714.
  3. Once the use or change of a trade name is approved by the Insurance Commissioner and added to the license, the licensee will receive an electronic email confirmation that the change has been made and the license is ready to be printed online.

Resident Adjuster

An individual who: (A) acts solely on behalf of either the insurer or the insured, as an independent contractor or as an employee of an independent contractor; and (B) investigates for, reports to, or adjusts for the individual’s principal relative to claims arising under insurance contracts.

Resident Independent Bill Reviewer

An individual who: (A) acts solely on behalf of either the insurer as an independent contractor or as an employee of an independent contractor; and (B) reviews or audits billings for medical services.

Resident Life Settlement Broker

An individual or legal entity who represents the owner of a life insurance policy in the offer or negotiation with a life insurance settlement provider of a life insurance settlement contract.

Resident Life Settlement Provider

An individual or legal entity who engages in a life insurance settlement contract with the owner of the insurance policy.

Resident Limited Lines Motor Vehicle Rental Company Producer

A motor vehicle rental company that is licensed by the commissioner to solicit and sell insurance coverages only in connection with and which are incidental to the rental company’s business of renting motor vehicles.

Resident Limited Lines Producer

A person authorized by the commissioner to sell, solicit or negotiate limited lines insurance.

Resident Limited Lines Self-Service Storage Producer

The FORM HPL (use 10/1/2019 version) or FORM BEPL (use 10/1/2019 version) application and appointment form (use 10/1/2019 version) will be made available on October 1, 2019 and can be downloaded by visiting the following link: http://cca.hawaii.gov/ins/producers/forms/.  The revised application and appointment form may be submitted to the Insurance Division starting October 1, 2019.  A Resident Limited Lines Self-Service Storage Producer license and appointment will be issued starting January 1, 2020.  This license is not available for a nonresident applicant.

The following fee schedule will apply to a FORM HPL or FORM BEPL submitted between October 1, 2019, and December 31, 2019:

– Licensing fee for a resident business entity applicant: $150

– Licensing fee for a resident individual applicant: $195 (if you were born in the months of January, February, April, June, August, October, or December) or $150 (if you were born in the months of March, May, July, September, or November)

Please make your check payable to DEPARTMENT OF COMMERCE AND CONSUMER AFFAIRS Your check must be valid for 180 days.

Only insurer-to-producer appointments may be submitted.  The producer-to producer appointments will be eliminated, effective January 1, 2020.

An owner of a self-service storage facility shall hold a limited lines licenses to sell, solicit, or offer coverage under a policy of stored property insurance.

“Owner” means any business entity that owns or is authorized to manage a self-service storage facility, or to receive rent from an occupant under a rental agreement, and no real estate license is required.

“Self-service storage facility” has the same meaning as in section 507-61.

“Stored property insurance” means insurance under a group, individual, corporate, commercial, or master policy to provide insurance coverage to occupants of a self-service storage facility for the loss of, or damage to, tangible personal property that is contained in a storage space located at a self-service storage facility or is in transit during the term of a self-service storage facility rental agreement.

Resident Managing General Agent

Any person, firm, association, or corporation that manages all or part of the insurance business of an insurer (including the management of a separate division, department, or underwriting office) and acts as an agent for such insurer.

Resident Producer

A producer is a person required to be licensed under the laws of Hawaii to sell, solicit or negotiate insurance.

Resident Reinsurance Intermediary Broker

Any person, other than an officer or employee of the ceding insurer, firm, association, or corporation that solicits, negotiates, or places reinsurance cessions or retrocessions on behalf of a ceding insurer without the authority or power to bind reinsurance on behalf of the insurer.

Resident Reinsurance Intermediary Manager

Any individual, firm, association, or corporation that has authority to bind or manages all or part of the assumed reinsurance business of a reinsurer (including the management of a separate division, department, or underwriting office) and acts as an agent for the reinsurer.

Resident Surplus Lines Broker

Any person licensed to place insurance on risks resident, located, or to be performed in Hawaii with unauthorized insurers.

Nonresident Adjuster

An individual who: (A) acts solely on behalf of either the insurer or the insured, as an independent contractor or as an employee of an independent contractor; and (B) investigates for, reports to, or adjusts for the individual’s principal relative to claims arising under insurance contracts.

Nonresident Independent Bill Reviewer

An individual who: (A) acts solely on behalf of either the insurer as an independent contractor or as an employee of an independent contractor; and (B) reviews or audits billings for medical services.

Nonresident Life Settlement Broker

An individual or business entity who represents the owner of a life insurance policy in the offer or negotiation with a life insurance settlement provider of a life insurance settlement contract.

Nonresident Life Settlement Provider

An individual or legal entity that engages in a life insurance settlement contract with the owner of the insurance policy.

Nonresident Limited Lines Motor Vehicle Rental Company Producer

A motor vehicle rental company that is licensed by the commissioner to solicit and sell insurance coverages only in connection with and which are incidental to the rental company’s business of renting motor vehicles.

Nonresident Limited Lines Producer

A person authorized by the commissioner to sell, solicit or negotiate limited lines insurance.

Nonresident Managing General Agent

Any person, firm, association, or corporation that manages all or part of the insurance business of an insurer (including the management of a separate division, department, or underwriting office) and acts as an agent for such insurer.

Nonresident Producer

A producer is a person required to be licensed under the laws of Hawaii to sell, solicit or negotiate insurance.

Nonresident Reinsurance Intermediary Broker

Any person, other than an officer or employee of the ceding insurer, firm, association, or corporation that solicits, negotiates, or places reinsurance cessions or retrocessions on behalf of a ceding insurer without the authority or power to bind reinsurance on behalf of the insurer.

Nonresident Reinsurance Intermediary Manager

Any individual, firm, association, or corporation that has authority to bind or manages all or part of the assumed reinsurance business of a reinsurer (including the management of a separate division, department, or underwriting office) and acts as an agent for the reinsurer.

Nonresident Surplus Lines Broker

Any person licensed to place insurance on risks resident, located, or to be performed in Hawaii with unauthorized insurers.

Pharmacy Benefit Manager

“Pharmacy Benefit Manager” means any person that performs pharmacy benefit management, including but not limited to a person or entity in a contractual or employment relationship with a pharmacy benefit manager to perform pharmacy benefit management for a covered entity.

“Pharmacy benefit management” means:

  • (1)  Any of the following services provided with regards to the administration of pharmacy benefits:
    • (A)  Mail service pharmacy;
    • (B)  Claims processing, retail network management, and payment of claims to pharmacies for prescription drugs dispensed to covered persons;
    • (C)  Clinical formulary development and management services;
    • (D)  Rebate contracting and administration;
    • (E)  Certain patient compliance, therapeutic intervention, and generic substitution programs; or
    • (F)  Disease management programs involving prescription drug utilization;
  • (2)  The procurement of prescription drugs by a pharmacy benefit manager at a negotiated rate for dispensation to covered persons in the State; or
  • (3)  The administration or management of prescription drug benefits provided by a covered entity for the benefit of covered persons.

Service Contract Provider

“Service contract” means a contract or agreement for a separately stated consideration and a specific duration, to perform or indemnify the repair, replacement, or maintenance of property for operational or structural failure due either to a defect in materials or artisanship, or to normal wear and tear, with or without additional provision for incidental payment or indemnity under limited circumstances, including but not limited to towing, rental, and emergency road service.  Service contracts may provide for the repair, replacement, or maintenance of property damaged by power surges, or accidentally damaged during handling.

“Provider” means a person who is contractually obligated to the service contract holder under the terms of the service contract.

“Person” means an individual, partnership, limited liability company, corporation, incorporated or unincorporated association, joint stock company, reciprocal, syndicate, or any similar entity or combination of entities acting in concert.

Third Party Administrator (or “TPA”)

The TPA CHECKLIST/APPLICATION PACKET will be made available on October 1, 2019 and can be downloaded by visiting the following link: http://cca.hawaii.gov/ins/producers/forms/ . The TPA CHECKLIST/APPLICATION PACKET may be submitted to the Insurance Division starting October 1, 2019.  A TPA license will be issued starting January 1, 2020.

The following fee schedule will apply to TPA CHECKLIST/APPLICATION PACKETs submitted between October 1, 2019, and December 31, 2019:

– Licensing fee for a resident business entity applicant: $450

– Licensing fee for a nonresident business entity applicant: $600

– Licensing fee for a resident and nonresident individual applicant: $600 (if you were born in the months of January, February, April, June, August, October, or December) or $450 (if you were born in the months of March, May, July, September, or November)

Please make your check payable to DEPARTMENT OF COMMERCE AND CONSUMER AFFAIRS.  Your check must be valid for 180 days.

A TPA means a person who collects charges or premiums from, or who adjusts or settles claims on, residents of this State in connection with self-insurance, stop loss, or life insurance coverage, accident and health or sickness insurance coverage; or article 1 of chapter 432.

“Commissioner” means the insurance commissioner.

“Insurance Producer” or “producer” shall have the same meaning as in Haw. Rev. Stat. section 431:9A-102.

“Insurer” shall have the same meaning as in Haw. Rev. Stat. section 431:1-202.

“Person” shall have the same meaning as in Rev. Rev. Stat. section 431:1-212.

We will start to accept paper application on October 1, 2019.  However, the effective date for the license will be on either January 1, 2020 or a later date.

Vehicle Protection Product Warrantor

“Vehicle protection product” means a product or system, which includes a written warranty, that is: (1) Installed or applied to a vehicle; and (2) Designed to prevent loss or damage to a vehicle from a specific cause.

“Warrantor” means a person named under the terms of a vehicle protection product warranty as the contractual obligor to the consumer.