Rhode Island Life & Health Insurance License Exam Overview
The Rhode Island Life & Health Insurance License Exam is administered by Pearson VUE on behalf of the Rhode Island Department of Business Regulation (DBR). Rhode Island operates HealthSource RI, its state-based exchange. Note: Rhode Island does not offer a combined Life & Health exam - you must take Life and Accident & Health exams separately.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 95 per exam (Life and A&H taken separately) |
| Time Limit | 2 hours per exam |
| Passing Score | 70% |
| Testing Vendor | Pearson VUE |
| Exam Fee | $80 in-person / $50 online (OnVUE) |
| Pre-licensing Education | Not required |
Why Get Licensed in Rhode Island?
- State exchange — HealthSource RI
- Wealthy population — High net worth clients
- Dense market — Concentrated prospects
- Boston proximity — Regional access
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Key Topics Covered
Life Insurance (30%)
| Feature | RI Standard |
|---|---|
| Grace Period | 31 days |
| Incontestability | 2 years |
| Free Look | 10 days |
Health Insurance (30%)
- HealthSource RI (state-based exchange)
- Rhode Island Medicaid
- RIte Care (CHIP)
RI Insurance Regulations (15%)
- Rhode Island General Laws Title 27
- DBR Insurance Division authority
| Topic | RI Requirement |
|---|---|
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
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