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Compare life insurance agents in Kapaʻa. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Kapaʻa, HI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Hawaii before hiring.
Showing 4 life insurance agents in Kapaʻa, HI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Donovan Gardner: Allstate Insurance
4-901 Kuhio Hwy Ste 112, Kapaʻa, HI 96746
(808) 212-9848
agents.allstate.com
Darrellyn Lemke - State Farm Insurance Agent
4-1593 Kuhio Hwy, Kapaʻa, HI 96746
(808) 822-7335
darrellynlemke.com
Hawaiʻi Life
4-1379 Kuhio Hwy Suite 101, Kapaʻa, HI 96746
(800) 370-3848
hawaiilife.com
Insurance Factors
5196 Kome St, Kapaʻa, HI 96746
(808) 822-3097
insurancefactors.com
Life insurance agents in Kapaʻa help residents choose policies that protect their families and meet Hawaii state requirements. Hawaii law does not require life insurance, but agents can explain options like term and whole life policies. Local agents understand the unique needs of Kauai families and businesses.
What Does a Life Insurance Agent in Kapaʻa Cost?
Typical costs for life insurance in Hawaii vary by age, health, and policy type. A term life policy for a healthy 35-year-old may cost $25 to $50 per month for $500,000 in coverage. Whole life policies are more expensive, often $150 to $300 per month for similar coverage. Costs also depend on the insurer and any riders added. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a life insurance agent in Kapaʻa do?
A life insurance agent helps you compare policies from different companies. They explain coverage amounts, premiums, and riders. They also assist with applications and claims.
Do I need life insurance in Hawaii?
Hawaii does not require life insurance by law. However, if you have dependents or a mortgage, a policy can provide financial security. An agent can help you decide based on your needs.
How do I choose a life insurance agent in Kapaʻa?
Look for an agent licensed in Hawaii with experience in local policies. Check their credentials and ask about the companies they represent. A good agent will explain options without pressure.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Hawaii.