Hawaii Revised Statutes Division 2. Business § 431:10D-211

(1) Except for paragraph (2), the members eligible for insurance under the policy shall be all of the members of the credit union;

(2) An insurer may exclude or limit the coverage on any member as to whom evidence of individual insurability is not satisfactory to the insurer;

(3) The premiums for the policy shall be paid by the policyholder, either from the credit union's own funds or from charges collected from the insured members specifically for the insurance, or from both; provided that when the premium is paid by the members, or by the credit union and its members jointly, at least seventy-five per cent of the then eligible members, excluding any as to whom evidence of insurability is not satisfactory to the insurer, shall elect to make the required contributions; and

(4) The amounts of insurance under the policy shall be based upon some plan precluding individual selection either by the members or by the credit union.