Last updated:

Best Life Insurance Companies in Honolulu, HI

Our Recommended Top 5

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 Honolulu 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.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

1314 South King Street, Honolulu, HI 96814 Rating

Review Sources

5.0 (34)
5.0 (23)
5.0 (20)

Why choose this provider?

Ross Tsuha is a life insurance agent serving clients in Honolulu. Tsuha started working in the industry in 2013, now leading a team of agents at RT Insurance Agency Inc., they address their client's financial concerns through a variety of insurance plans. He caters to clients purchasing their first car, starting a business, or looking to protecting their family's financial future. Tsuha provides other insurance options, including life, health, pet, home, and auto insurance. He also offers property and business insurance, in addition to annuities and banking services.

  • Life Insurance
  • Health Insurance

94-547 Ukeʻe Street, Waipahu, HI 96797
WebsiteLicense: RS-37573 Rating

Review Sources

4.0 (56)
5.0 (6)
5.0 (3)

Why choose this provider?

Carr's Insurance Agency is a family-owned and independent insurance agency that provides various products to clients in Honolulu and other surrounding areas. It is a fully licensed agent that has been in the business since 1990. Its insurance products include homeowners, auto, life, and personal umbrella. Life insurance may be term life, whole life, variable life, or universal life. Carr's licensed agents help clients by explaining the various products that would cater to their specific needs.

  • Life Insurance
  • Long Term Care
  • Term Life Insurance

6700 Kalanianaole Highway Suite 204, Honolulu, HI 96825
WebsiteLicense: 488201 Rating

Review Sources

5.0 (106)
5.0 (29)
5.0 (12)

Why choose this provider?

Wil Chang is a State Farm insurance agent who provides life insurance policies to clients in Honolulu. He had spent over 20 years in the finance industry before working for State Farm, where he has been for over five years. Wil educates first-time homeowners and policyholders about different coverages, such as property damage repairs and medical liability. He also recommends specialized coverages for specific perils such as theft or flooding. Wil is assisted by his wife and office manager, Amy Chang.

  • Life Insurance
  • Health Insurance
  • Personal Insurance

1164 Bishop St Ste 1511, Honolulu, HI 96813 Rating

Why choose this provider?

Lincoln Financial Group is a life insurance company in Honolulu. This company provides a range of individual and corporate insurance solutions for both life and health coverage. It sells several types of life insurance policies including term life as well as standard, indexed, and variable universal life policies. Lincoln Financial Group is also experienced with long-term care planning and frequently helps clients to secure policies that pay for their care once they are no longer able to work or they experience disability. Its health interests lie largely in corporate group plans that provide dental and vision benefits to its clients' employees. Specialized insurance programs for professionals and businesses are available too.

900 Fort Street Mall Ste 1200, Honolulu, HI 96813 Rating

Review Sources

5.0 (4)

Why choose this provider?

WealthBridge Inc. is a life insurance company in Honolulu that assists clients who need life and health insurance policies. Primarily a financial management firm, it assists clients with procuring policies that serve to protect their long-term financial interests and help them to prevent significant setbacks associated with the lack thereof. In addition to its expertise with standard policies, this firm also has particular experience with policies offering benefits for long-term care and disabilities. It assists companies that need to insure key personnel too. Buy-sell agreements are a focus area as well and typically involve policies that cover ownership transfers in case business owners die or are disabled and can no longer perform key functions.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Ross Tsuha
1314 South King Street, Honolulu, HI 96814
Carr's Insurance Agency
94-547 Ukeʻe Street, Waipahu, HI 96797
Wil Chang
6700 Kalanianaole Highway Suite 204, Honolulu, HI 96825
Lincoln Financial Group
1164 Bishop St Ste 1511, Honolulu, HI 96813
WealthBridge, Inc.
900 Fort Street Mall Ste 1200, Honolulu, HI 96813


  • How long is the free-look period of a life insurance policy in Honolulu?

    Under state laws, the free-look period of a life insurance policy in Honolulu is at least 10 days. Some insurance companies offer a longer period. Anytime within this time, the policyholder can cancel the contract and receive a full refund of any payments. There will be no penalties for canceling.

  • How can endowment life insurance help a policyholder in Honolulu?

    Endowment life insurance provides a death benefit and lump sum at the end of the term if the policyholder is still alive. The lump sum amount depends on the premiums and the term chosen. In general, the coverage can be available for ages 18 to 60. Additionally, policyholders in Honolulu can use the insurance to fit financial goals at different stages in life.

  • What are the consequences of insurance fraud in Honolulu?

    A misdemeanor fraud can lead to fines of up to $2000 and one year imprisonment. If it is a felony, consequences include up to $10,000 in fines and 10 years of imprisonment. Under Section 431:2C of the Hawaii Revised Statutes, it is illegal to file deceitful claims or give false information on a claim and pursue legal action based on such claims. Fraud in Honolulu can be reported to (808) 587-7416.

  • Do state laws provide a specific deadline when death benefit claims in Honolulu should be paid by insurers?

    There is no exact time period when death benefit claims should be paid out. HI laws state that claims must be provided to beneficiaries in a timely manner. However, these laws impose an interest that must be paid by insurers for each day no payment is given since the death of the insured. Because of this regulation, insurance companies in Honolulu typically pay out benefits within a month.

  • Who is considered to have a high-risk profile when buying life insurance in Honolulu?

    Honolulu individuals with a high-risk profile have risky hobbies, unhealthy lifestyles, medical conditions, and jobs that are exposed to hazards. They can also be considered risky for insurers if their family has a history of cancer, heart disease, and diabetes. Life events such as incarceration, bankruptcy, drug abuse, frequent travel, and driving-related infractions are also put into consideration. Some high-risk health conditions include all forms of mental disorders, autoimmune diseases, and sleep disorders.

  • 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.

Related Articles

FeaturedKeyboard with Node Graphic

Young Americans Rushed to Buy Life Insurance During the Pandemic & Now Over 20% Regret It

An survey revealed how many young Americans rushed to buy life insurance during the pandemic & are now regretti...

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...