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    Sandi Kruise Insurance Training
    Your Best Choice for Insurance Education
    Call us Toll-Free at 1-800-517-7500

    Unlimited CE Subscription - HAWAII ha_sub

    License Type : Accident, Health, Casualty, Property, General
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    Note: A monitor must be present while taking this exam. Please click "Monitor" below for the monitor form and more information.

    Click the Course List tab below to view all courses included in this subscription.

    • Description
    • State Information
    • Course List
    • Redeem Vouchers
    • CE Subscriptions
    • Course Format
    • Monitor Information

    Hawaii State Requirements

    Updated: 12/13/2013

    Continuing Education Hours

    • Life/Accident and Health/Sickness:  24 hours biennially, including 3 hours relating to insurance law or ethics.
    • Property/Casualty: 24 hours biennially, including 3 hours of law or ethics.
    • Multiple Lines Life/Accident or Health/Sickness, AND Property/Casualty): 24 hours biennially, including 10 hours in L/H or sickness, 11 hours in P/C and 3 hours in law or ethics.

    Course Subject Requirements

    • Courses must be in line of license held. Multi-line producers must complete 10 hours in L/H and A/S; 11 hours in P/C, and 3 hours of law or ethics.
    • Producers licensed to sell insurance in only one line of authority must have 3 hours relating to insurance laws and rules as part of the 24 hour CE requirement.
    • Producers licensed to sell insurance in multiple lines of authority (Life/Accident or Health/Sickness, and Property/Casualty) must have 3 hours relating to insurance laws and rules in both P/C and L/H as part of the 24 hour CE requirement (10 hours in L/H including 10 L/H hours and 11 hours in P/C including 3 P/C law hours).
    • All Hawaii licensed resident insurance producers who sell federal flood insurance policies shall be required to complete a one-time 3 hour requirement on flood insurance.

    Nonresident Requirements

    All nonresident annuity producers must complete a one-time 4-hour annuity training course before selling in HI.

    Continuing Education Compliance Date

    All continuing education credits must be achieved by the date of the license renewal.

    Producers' licenses renew on the 16th day of their birth month. Even months renew in even years, odd months renew in odd years.

    Types of Courses Accepted for CE Credit

    Independent self-study courses, classroom study, and insurance company sponsored courses.

    Carryover Requirements

    Excess CE credit hours may NOT be carried over to the next reporting period.

    Course Repetition

    Courses may not be taken for credit more than once in a reporting period.

    Final Exam

    Self-study final exams are required to be monitored by a disinterested third party.


    • A licensee who has been licensed for less than two years at the time of the licensee's first renewal.
    • Nonresident agents are exempt if the home state has a reciprocal agreement with Hawaii.

    Method to Certify Completion

    Your certificate of completion will be e-mailed to you after you complete an exam. The provider submits credits earned to the insurance division and maintains attendance records for 5 years. The licensee keeps the original certificates of completion in their files for 4 years.

    For Additional Information Please Contact

    Hawaii Insurance Division
    Licensing Division

    PO Box 3614
    Honolulu, HI 96811-3614

    PHONE: (808) 586-2788

    FAX: (808) 586-2806

    Email: [email protected]

    State Website: http://hawaii.gov/dcca/areas/ins/


    8 HRS
    Accident, Health, Life
    8-Hour NAIC LTC Partnership-HI
    Course Number : LH205801 |
    The Deficit Reduction Act made it possible for all states who wish to to offer Partnership for Long-term Care policies. The NAIC model law and regulat..
    5 HRS
    Casualty, Property
    Business Auto Exposures And Coverage-HI
    Course Number : PH200371 |
    Upon completion of this course, agents will be able to understand the exposures faced by businesses for their automobiles and the business automo..
    5 HRS
    Accident, Health, Life, Casualty, Property
    Charting Your Financial Future-HI
    Course Number : LH/PH102038 |
    This insurance continuing education course will lead agents through the continuum of Financial Planning for families from managing their credit and de..
    4 HRS
    Ethics, General
    Ethics 4 Hour Training Course-HI
    Course Number : GH210499 |
    This is the mandatory course for students to complete their ethics requirement. All resident agents must have at least ethics in order to renew their ..
    12 HRS
    Accident, Health, Life
    Life Insurance Products And Uses-HI
    Course Number : LH200187 |
    By the end of this online insurance CE course, agents should fully understand: The need for Life Insurance The uses, personal and business, for li..
    8 HRS
    Casualty, Property
    Personal Automobile Exposures And Insurance-HI
    Course Number : PH101813 |
    This insurance continuing education course covers the risks involved in owning a personal automobile, and the ways in which individuals and families c..

    Seminars & Classroom Courses

    These courses are instructor led programs, usually in a live classroom setting, and do not require you to pass an exam to receive CE credit for the course. 

    You must choose one of the locations listed in the options above. Please make note of the address of the seminar you choose. You will also receive an email confirmation of your enrollment, which will include the address of the seminar. You can return here to review the address if you misplace it before the class.

    All of our seminars begin at 8:30 AM and end at 4:30 PM unless otherwise noted on your confirmation notice.  Please arrive at the classroom at least 10 minutes before the starting time on your confirmation notice. All students must be signed-in and seated BEFORE the official class start-time. If you arrive late, please DO NOT interrupt the class in session. You can talk to the instructor at the first break regarding the possibility of obtaining credit for the class or rescheduling for another date. Remember, these classes fill up quickly, and there is usually little or no room for agents who arrive at the last minute without registering in advance.

    Cell phones must be turned off during the entire duration of the seminar. You will have time to return messages and make calls during breaks and at lunch. 

    During the class, you must not have any materials on your desk except the textbook or handout provided by the instructor. By law, students who are reading other materials, talking to other students, sleeping, or otherwise not participating in the learning experience are not allowed to receive CE credit!

    Absolutely no recruiting or marketing for products, services, employment or any other activity is allowed at any time during the seminar - including during breaks and lunch. Students caught doing this may be asked to leave immediately and will NOT receive a refund.


    Due to the fact that we must pre-pay for locations, teachers, materials and shipping there is a 10-day cancellation or refund policy for classroom courses. If you find you need to cancel a classroom course you may either:

    1. Request a refund with our refund request form no later than 10 days from the class date: www.kruise.com/refund.pdf
    2. If you're inside the 10 day window you can move to a later class on our calendar or call and have us hold your payment for another time.
    3. If you request a refund after we've already shipped your materials to the class you will most likley not be able to receive a full refund.

    If you have received a CE voucher from an insurance company or wholesaler, you can redeem it by following these instructions. 

    • Choose your course format - see "course format" tab for more details or click "learn more" above options.
    • Click on the red "buy" button to proceed to checkout.
    • Be sure to enter your Voucher Code when checking out to apply your discount.
    • You will be able to download the study materials immediately by clicking the red "Download Course" on your receipt. It will also be emailed to you and will be available for one year in your customer account.
    • You will also be provided with a link and information to access the exam.

    Your voucher covers an online book, online exam, grading and one CE certificate for insurance. It DOES NOT INCLUDE printed books, printed exams, state fees or CE certificate(s) or reporting for additional designations or types of CE, although they are available as options for additional charge. 

    If you choose printed books or exams, you will be charged the balance due during checkout.

    If your state charges a fee to report your credit, this fee is due from you. When you check-out, you must pay this fee in order to access the course and obtain CE credit.

    After you pass your exam, you will be able to purchase CE certificates for professional designations such as CFP, CPE, etc. you will be charged $10 for each one. Please DO NOT order these additional certificates unless you currently hold that professional designation. There are NO REFUNDS for additional certificates ordered and not needed.

    Optional PACE or CFP Credit

    Many of our Insurance CE courses are also approved for CE credit for agents who hold professional designations such as CLU, ChFC, CFP. The type of CE credit and number of hours approved are listed above in the course description.

    If you hold a professional designation you may request a certificate for courses taken and exams passed for insurance CE credit. If you pass and exam and would like to get additional credit for one of these designations, please use the link to the left: "CFP & PACE Credit".

    If you do not hold a professional designation and do not need any type of CE other than for your insurance license renewal, please do not order a PACE or CFP certificate. It will not benefit you and once ordered, there are no refunds!

    There are no refunds for certificates ordered by mistake!

    Monitor Instructions - Hawaii


    Your state requires that your exam(s) MUST be monitored.

    The qualifications of the person who must monitor your exam are explained on the monitor form. The person monitoring your exam must be with you prior to beginning to take the exam. Taking the exam without your monitor present will invalidate your exam results and certificate.

    The monitor must print, sign and complete the affidavit found by clicking Printable Monitor Form to indicate that the exam was taken without any outside help from any source. Please fax the completed monitor form to: (619) 421-8171 immediately after completing the exam. Your exam will not be completed, and no CE credit will be awarded or reported to your state, until the properly completed, signed monitor form has been received (along with any state reporting fees that may be due).

     CE Subscriptions

    Upon purchase, the student will have access to all of the courses on the course list tab.  You can click "Go to My Courses" on the left navigation bar or go to www.kruisetesting.com and enter the same user name (email address) and password you used to purchase your subscription to open your account.  All courses will be available for download, and all exams will be available to the student for a period of one year from the date of purchase. Just scroll down to the name of the course you wish to take, and there will be links to open the study materials and to take the exam. Students may get credit for each course once during the duration of the subscription. The cost of the subscription covers the online book/presentation, the exam & grading, the certificate of completion, and reporting (where required by law).  The only additional charges that may be assessed are:
    • The state filing fee which varies by state and by individual course.
    • Fees for additional certificates ordered for optional professional designation CE.

    This subscription applies only to the agent who purchases it, and cannot be transferred to or used by any other agent.

    Subscriptions expire in 365 days from purchase, there are no refunds for not using the package while it's active.


     If you wish to have printed materials shipped, the cost per book is $10 + shipping & handling per book.

    System Requirements: Please note that Mozilla firefox 20 or Internet explorer 9 or higher: 
    are required to view our website when you wish to access the learning center. You should also note that taking courses over a wireless internet connection is not advised. When taking your exams you should try to be on a wired internet connection to your computer.

    This course automatically includes a downloadable textbook and/or other course materials which you may print if you desire. When you are finished studying your course, the exam is taken online and it is graded immediately.  In most states you can also print your own certificate of completion, if you pass. There is no additional charge if you complete your course and exam completely online. 

    If you prefer, however, you may purchase a printed book and/or printed exam at additional cost.   

    You have 3 options if purchasing the course outside a subscription:

      1. Online book and online exam - included in price - You receive no printed materials-everything is online.
      2. Printed book and online exam - $5 additional - You receive a printed book but take your exam online.
      3. Printed book and printed exam - $10 additional - You receive a printed book and printed exam which you mail or fax to us for grading.

    For options 2 and 3, you will be able to choose either regular or express shipping during checkout.

    Please choose your option carefully!  There is no refund for printed materials or exams ordered by mistake!

    If your state requires monitored exams, you must have your monitor sign-in and follow the monitor instructions BEFORE you begin the exam.  See the State Information tab, Monitor tab and Help Center for more information.

    Unlimited access to online CE courses for one year! 

    Upon purchase, you will have access to ALL of the courses on the course list tab. All course materials will be available online and all exams will be available to you for a period of one year from the date of purchase. You can only receive a certificate of completion for each course taken and passed once during the one year subscription, this means students may get credit for each course once during the duration of the subscription. Purchasing this subscription applies only to the agent who purchases it and courses cannot be transferred to or used by any other agent. 

    Accident, Health, Casualty, Property, General
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