Hawaii Life Insurance

Compare personalized life insurance rates in Hawaii

Life Insurance in Hawaii

Life insurance in Hawaii is widely available, but finding a cheap life insurance policy can seem challenging for many people. It does not have to be if you know what to look for in a life insurance policy. Whether you are looking for whole or term life insurance in Hawaii, be sure to compare life insurance plans in Hawaii carefully based on what they offer and the coverage they provide. Here’s what you need to know.

Hawaii Life Insurance Quotes

Many factors play a role in determining what life insurance rates in Hawaii will be for each individual. However, everyone’s rate is going to be different based on factors such as age and health. The only way to know what you’ll pay, then, is to request Hawaii life insurance quotes and to compare what they offer. Use a life insurance calculator, like our smart wizard, that provides you with key information on what you can expect. Learn how to get the best rates for life insurance in Hawaii by entering your zip code on this page. In a moment, you’ll find available policies to fit your goals.

Life Insurance Companies in Hawaii

A common question people have is who to buy life insurance from. In Hawaii, there are about 25 life insurance companies serving residents in the state. There are over 1.4 million people living in the state, or 221 people for every square mile. Many of those living here are married with one child, but the demographics here range widely. 


To determine the cost of life insurance, agencies look at factors such as age. The largest age group in the state is between 25 and 34 here, though the second largest is those aged 45 to 54.  Age is one of the key factors that agencies use to determine risk. The older you are, the more likely you are to have life-threatening illnesses.

How to Get the Best Rates for Life Insurance in Hawaii


To get the best rates, it is important to look at the range of providers in the state and compare them based on the amount of coverage offered, the type, and the cost. To compare rates online, use our smart algorithm. Pretected.com makes this easy by allowing you to enter your zip code and instantly be given access to a large number of policy options easily comparable.


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How Are Life Insurance Rates Calculated in Hawaii?

When it comes to buying life insurance, it helps to know what affects the price of your coverage. Every provider uses your specific information to make key decisions. Here’s some insight that can help you.


As noted, age matters. The younger you are when you purchase a life insurance policy, the more affordable the policy will be. In Hawaii, about 12.6 percent of the population is between ages 45 and 54, which is a bit older and more expensive than those in the 12.9 percent demographic of 25 and 34.


Men tend to pay more for life insurance. In Hawaii, about 50.2 percent of the population is male. That means you may pay more if you fall into this area.

Weight and Health Background

Individuals who are healthy are less likely to die early, which can mean you will qualify for lower health insurance rates. Keep in mind that Hawaii is considered a healthy state.  About 23.8 percent of adults in the state were obese in 2017, and only 10.9 percent had diabetes, making this a lower-ranking state for illness.

Job and Profession

The type of job you have can play a role in your life insurance rates. In Hawaii, there are some key jobs that can increase risks, including construction jobs, which is a main sector. Tourism jobs, on the other hand, reduce your risks.


Hawaii is known for its healthy lifestyle and love of the outdoors, which can help to reduce your life insurance costs. If you smoke, engage in dangerous behaviors, or do drugs, that can increase your costs for life insurance.

Criminal Record

Those who have a criminal record are more likely to pay more for life insurance. This indicates a dangerous lifestyle and one that puts you more at risk for injury.

Life Insurance Policy in Hawaii - Compare the Best Plans

Here’s a look at the major life insurance policies available in Hawaii and what you can expect from them.

Term Life Insurance

Hawaii’s population prefers term life insurance, a policy that’s in place for a set number of years and provides a death payment if you die during that time.

Whole Life Insurance

Whole life insurance policies are ongoing, remaining in place as long as you continue to meet the qualifications and pay the premiums on them.

Universal Life Insurance

Some people may prefer universal life insurance, which can provide some opportunities to build cash value. That can help you by allowing you to borrow from the fund over time. They can also help fund your retirement goals.

Family Life Insurance

Buying a life insurance policy that covers more than one person is an option. It’s important to consider the costs as well as the legal alignment of these plans in terms of what happens when one person dies.

Group Life Insurance

Buying group life insurance, such as from an employer, can be important for those who are able to access it. Buying like this may make it easier for you to qualify for coverage because the risk is spread out. If you are a high-risk life insurance buyer, this may be the route to take.

Life Insurance for Kids

Buying life insurance for the kids is an option. Doing so can help cover the costs of burial and other end of life needs should something tragic occur.


In Hawaii, it’s always best to choose life insurance that fits your needs and your family’s goals. How much you obtain depends on your specific goals for your policy. To save time and money, use Pretected.com’s tools to help you find the right coverage for you. Let our smart matching algorithm help find every discounted policy for you.


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