ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Life Insurance Agents Near You in Hilo, HI

Browse life insurance agents serving Hilo, Hawaii. Updated 2026-07-14.

The top-rated life insurance agent in Hilo, Hawaii is Nakoa Kai Insurance Professionals: Allstate Insurance, rated 4.9 stars across 344 reviews. Other highly rated options include Iris Kuwaye - State Farm Insurance Agent, Claire Justo - State Farm Insurance Agent, Premier Benefit Consultants. This directory lists 20 life insurance agents serving Hilo.

Showing 20 life insurance agents in Hilo, HIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Nakoa Kai Insurance Professionals: Allstate Insurance680 Manono St(808) 969-7767
2Iris Kuwaye - State Farm Insurance Agent9 Lei St(808) 935-3375
3Claire Justo - State Farm Insurance Agent2100 Kanoelehua Ave Ste 212(808) 935-4455
4Premier Benefit Consultants1437 Kilauea Ave Ste. 204(808) 731-3700
5Zack Pacleb - State Farm Insurance Agent72 Kapiolani St(808) 657-3212
6Cary Ichinose - State Farm Insurance Agent630 Kilauea Ave #102(808) 933-8500
7Pyramid Insurance - Hilo48 Kamana St Suite #103(808) 969-7174
8Hope Chu Hing - State Farm Insurance Agent586 Kanoelehua Ave #300(808) 935-3157
9Fast Insurance Agency HI218 Kamehameha Ave(808) 645-4364
10Mind Insurance HI344 Kilauea Ave(808) 646-3602
NK
680 Manono St
Nakoa Kai Insurance Professionals: Allstate Insurance
Life Insurance Agent · Hilo, HI

Nakoa Kai Insurance Professionals: Allstate Insurance serves the Hilo, HI area as a life insurance agent. This local office assists residents in evaluating their financial protection needs for the future. They provide guidance on policies that offer a death benefit to beneficiaries. The agents help clients understand how life insurance can cover final expenses or replace lost income for a family. They handle term and whole life insurance services specific to the community’s requirements.

IK
9 Lei St
Iris Kuwaye - State Farm Insurance Agent
Life Insurance Agent · Hilo, HI

As a life insurance agent in Hilo, HI, the agency provides a range of services including term, whole, and universal life policies, along with financial planning support. It helps clients evaluate their needs and maintain their coverage through regular policy reviews and updates. This ensures beneficiaries remain protected as circumstances change. The office serves a diverse clientele, covering single-family homes, apartments, retail, and restaurants.

CJ
2100 Kanoelehua Ave Ste 212
Claire Justo - State Farm Insurance Agent
Life Insurance Agent · Hilo, HI

Serving homeowners, businesses, and property managers in Hilo, Claire Justo - State Farm Insurance Agent provides life insurance policies designed to help protect families and ensure financial security. The agency works with clients to assess coverage needs and offers support for policy selection and adjustments over time. As a local representative, they assist with applications, billing questions, and policy reviews tailored to individual situations. The agency also extends its services to the surrounding communities along the Hamakua Coast, including the areas near Honokaʻa.

PB
1437 Kilauea Ave Ste. 204
Premier Benefit Consultants
Life Insurance Agent · Hilo, HI

Serving Hilo, HI, and the surrounding communities along the Big Island's Hamakua and Puna coasts, Premier Benefit Consultants specializes in life insurance solutions. The agency handles term, whole, and universal life policies designed to provide financial protection for local families and businesses. To address the unique needs of each client, it generally begins with a thorough assessment of personal financial goals and long-term obligations, then customizes coverage amounts and policy types during a brief consultation to match those specific circumstances.

ZP
72 Kapiolani St
Zack Pacleb - State Farm Insurance Agent
Life Insurance Agent · Hilo, HI

For those needing basic term coverage compared to clients seeking more lasting permanent life insurance, Zack Pacleb - State Farm Insurance Agent in Hilo, HI guides clients through policy options tailored to local needs. Life insurance helps replace lost income and cover final expenses for families after a death or critical illness. The agent explains plan differences clearly during consultations. Service runs on both scheduled appointments and an as-needed basis for policy reviews or claims support.

CI
630 Kilauea Ave #102
Cary Ichinose - State Farm Insurance Agent
Life Insurance Agent · Hilo, HI

Cary Ichinose - State Farm Insurance Agent provides services including life, auto, home, and health insurance plans. It assists clients across Hilo with evaluating their coverage needs and selecting policies that offer financial protection. The company regularly helps residents update their policies to address changing life circumstances and family responsibilities. It often guides customers through the process of preparing for seasonal risks, such as the increased travel and visitor activity that occur during Hilo’s popular summer tourism months.

PI
48 Kamana St Suite #103
Pyramid Insurance - Hilo
Life Insurance Agent · Hilo, HI

As the seasons change in Hilo, many residents assess how their families would manage financially if the unexpected occurred. Pyramid Insurance - Hilo provides life insurance agent services to help local households address this concern. By working closely with clients, the company guides them through policy options that align with their personal goals and current circumstances. Pricing and coverage vary, so an initial assessment meeting is scheduled to review individual needs and gather the necessary information for planning.

HC
586 Kanoelehua Ave #300
Hope Chu Hing - State Farm Insurance Agent
Life Insurance Agent · Hilo, HI

Hope Chu Hing, operating as a State Farm Insurance Agent in Hilo, HI, provides essential life insurance coverage to local residents. The agency helps clients secure financial protection for their families through carefully selected policy options. This general work is supported by services like policy reviews and beneficiary updates. Beyond standard life insurance, the company serves a variety of commercial sectors, including local offices seeking coverage for key personnel, warehouses requiring protection for business continuity, and food service establishments in the Hilo area.

FI
218 Kamehameha Ave
Fast Insurance Agency HI
Life Insurance Agent · Hilo, HI

Fast Insurance Agency HI provides residential life insurance services to individuals and families in the Hilo area, helping them secure financial protection for loved ones. Commercial coverage is also available for local businesses seeking employee or key-person life policies. The agency serves clients throughout Hilo and the surrounding Big Island communities. Between regular visits, the agent follows up to review policy changes or adjust coverage as needed.

MI
344 Kilauea Ave
Mind Insurance HI
Life Insurance Agent · Hilo, HI
BI
1080 Kilauea Ave
Business Insurance Services Inc
Life Insurance Agent · Hilo, HI
(808) 935-1888
bisihi.com
HI
166 Kamehameha Ave #8
Hawaiian Islands Insurance, Inc.
Life Insurance Agent · Hilo, HI
(808) 933-3000
hawaiian.insure
DD
275 Ponahawai St # 105
Daniel De Soto Insurance
Life Insurance Agent · Hilo, HI
(808) 961-3207
hawaiiislandinsurance.com
AM
Century Bldg, 80 Pauahi St STE 105
American Mutual Group
Life Insurance Agent · Hilo, HI
(808) 969-1688
AI
80 Pauahi St STE 105
Atlas Insurance Agency
Life Insurance Agent · Hilo, HI
(808) 935-2943
atlasinsurance.com
MU
275 Ponahawai St # 105
Mutual Underwriters - Hilo
Life Insurance Agent · Hilo, HI
(808) 969-1110
PI
166 Kamehameha Ave Ste 7
Pacific Island Insurance LLC
Life Insurance Agent · Hilo, HI
(808) 933-3000
FB
1289 Kilauea Ave Unit G
Financial Benefits Insurance Inc. Hilo Office
Life Insurance Agent · Hilo, HI
(808) 792-5194
fbihi.com
FB
111E Puainako St #705
Financial Benefits Insurance
Life Insurance Agent · Hilo, HI
(808) 792-5194
fbihi.com
AI
101 Aupuni St # 133
Alliant Insurance Services, Inc.
Life Insurance Agent · Hilo, HI
(808) 481-4828
alliant.com

What Does a a Life Insurance Agent in Hilo Cost?

The cost of life insurance in Hawaii varies by age, health, coverage amount, and policy type. A healthy 35-year-old in Hilo might pay 25 to 50 dollars per month for a 20-year term policy with 250,000 dollars in coverage. Older applicants or those with health issues may pay 100 to 300 dollars per month for similar coverage. This is general information, not insurance advice.

About life insurance agents in Hilo

Life insurance agents in Hilo, Hawaii help residents find coverage that fits their needs and budget. Hawaii law requires agents to hold a valid state license and follow the Hawaii Insurance Code. Local agents understand the unique risks of living on the Big Island, such as volcanic activity and tsunami zones.

Frequently Asked Questions

What license does a life insurance agent need in Hawaii?

A life insurance agent in Hawaii must hold a valid resident or non-resident license issued by the Hawaii Insurance Division. The agent must complete pre-licensing education and pass the state exam.

How long does it take to get a life insurance policy in Hilo?

The process usually takes two to six weeks from application to policy issue. Underwriting may take longer if you have health conditions or need a medical exam.

Do I need a medical exam for life insurance in Hawaii?

Not always. Some policies offer no-exam coverage up to certain limits. However, most traditional term and whole life policies require a medical exam for amounts over 100,000 dollars.

Life Insurance Agents in Other Hawaii Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each life insurance agent's credentials and current standing with your state Department of Insurance.