Expertise.com

2024

Last updated:

Best Life Insurance Companies in Hawaii

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hawaii Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

62292Reviewed

37378Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Hawaii
  • Life Insurance

Why choose this provider?

ACW Insurance, Bonding & Employer Solutions strives to provide innovative solutions that fit the needs of individuals and businesses in Hawaii. It offers whole and term life insurance products and develops personalized plans for clients. Additionally, it has insurance products for automobiles, commercial properties, and homes. Health, earthquake, and flood insurance policies are available. The firm extends its services to California, Washington, Arizona, and Oregon residents. Its client base includes restaurant owners, property managers, artisan contractors, and attorneys.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (8)
Google
5.0 / 5 (6)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Hawaii
  • Health Insurance
  • Life Insurance

Why choose this provider?

Cheryl Kim is a Hawaii-based State Farm insurance agent who has been serving the community since 2008. She offers life insurance plans and other types of policies for individuals, families, assets, and businesses. The products she crafts include health, pet, auto, business, and fire insurance plans. Kim leads a team that has more than a century of combined industry experience. In addition to insurance plans, they handle financial services involving mutual funds, banking, and annuities.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (52)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Hawaii
  • Individual Plans
  • Health Insurance
  • Life Insurance

Why choose this provider?

Aloha Insurance Services is an independent agency established in 2000. It offers term and whole life insurance policies, allowing Hawaii residents to leave an inheritance to their heirs, establish a source of savings, make significant charitable contributions, and finance their final expenses if they pass away. It also provides auto, health, watercraft, flood, business, and workers' compensation insurance to individuals and businesses. Since its inception, Aloha Insurance Services has worked with more than 6,500 clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.0 / 5 (23)
Facebook
5.0 / 5 (11)
Yelp
2.6 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Hawaii
  • Health Insurance
  • Life Insurance

Why choose this provider?

Analipo Insurance Services LLC is an independently owned and operated agency that serves clients throughout the state of Hawaii. It offers different types of life insurance plans, including universal, whole, and term life policies. These plans help cover clients' final expense costs, outstanding mortgage and credit card debt, and their children’s education costs. Other products offered include health and long-term care insurance and annuities. Owner Matt Casabar has been working in the insurance industry for over 17 years.

Website
Hawaii
  • Term Life Insurance
  • Whole Life Insurance
  • Life Insurance

Why choose this provider?

Hamada Financial Group, LLC, helps clients throughout Hawaii determine which insurance product meets their objectives. It offers term, whole, universal, survivorship, long-term care, and disability life insurance plans. Financial services, like annuities, estate planning, asset protection, income tax navigation, and 401k and IRA rollovers, are also available. In addition, the company addresses the financial needs of business owners by guiding them through succession planning, funding buy-sell agreements, and executive benefits. The team is licensed in different states, such as Arizona, California, and Florida.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (2)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Hawaii
  • Life Insurance

Why choose this provider?

Advanced Life Insurance Strategies, Inc. is a multi-generational firm that provides specialized insurance and financial services to individuals, families, and companies in Hawaii. It offers life insurance plans under its wealth management services for a wide range of personal, business, and charitable situations. Its wealth management services also include business continuation and estate planning and wealth transfer. The firm handles investment management services including retirement planning, and employee benefits as well. Advanced Life Insurance Strategies, Inc. is a member of M Financial Group.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Hawaii
  • Health Insurance
  • Life Insurance

Why choose this provider?

New York Life Hawaii caters to clients across the state. The agency assists individuals in supplementing their retirement income through life insurance products. It maintains a website that contains tools like financial calculators to guide clients with their decision-making. The agency also helps individuals prepare for retirement through immediate or tax-deferred fixed annuities. One of its senior partners, Sayaka Glaser, holds designations like Life Underwriter Training Council Fellow and Chartered Financial Consultant. She is fluent in Japanese.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
5.0 / 5 (33)
Yelp
3.0 / 5 (9)
Google
5.0 / 5 (1)

Website
Hawaii
  • Life Insurance

Why choose this provider?

Jamie Peacock is an independent agent working with Insurance Associates. Serving clients in Hawaii, he offers life insurance options for families, key employees, and business owners. He provides personal insurance coverage for homeowners, condo owners, automobiles, and motorcycles. He also assists commercial clients with general liability, workers' compensation, builder's risk, and employee dishonesty policies. Jamie has been in the insurance industry since 2006. He previously worked as the regional vice president for the Fringe Benefit Group from 2009 to 2012.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

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