Key Takeaways
- Rhode Island requires 24 hours of CE per renewal period (21 general + 3 ethics)
- Licenses are renewed every 2 years
- Effective January 1, 2026, CE will be required for adjusters
- Address and other changes must be reported to DBR
- Non-resident producers must comply with home state CE requirements
License Maintenance and Continuing Education
Rhode Island insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
Biennial Renewal System
| Item | Requirement |
|---|---|
| License Term | 2 years (biennial) |
| Renewal Method | Online through NIPR |
Continuing Education Requirements
Rhode Island requires 24 hours of continuing education (CE) per renewal period:
CE Breakdown
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 hours |
| General Credits | 21 hours |
| Ethics (required) | 3 hours |
CE Course Requirements
- Must be completed at approved providers
- Online and classroom options available
- Must be completed BEFORE license expiration
- Apply through NIPR within 1 year of passing exam
2026 CE Changes
Effective January 1, 2026, Rhode Island will begin requiring continuing education for:
| License Type | New Requirement |
|---|---|
| Company Adjusters | CE now required |
| Independent Adjusters | CE now required |
| Resident Public Adjusters | CE now required |
For Company/Independent Adjusters, CE will be required for:
- Resident applicants
- Any applicants who designate Rhode Island as their Designated Home State
Special Training Requirements
Annuity Best Interest Training
| Requirement | Details |
|---|---|
| Course | 4-hour one-time course |
| When Required | Before selling annuities |
| Applies To | Producers licensed on or after 4/1/2021 |
Pet Insurance Licensing (NEW 2026)
| Requirement | Details |
|---|---|
| Effective Date | January 1, 2026 |
| Who May Apply | Rhode Island residents and nonresidents |
| Requirements | Complete required training and be properly licensed |
Long-Term Care (LTC) Training
| Training Type | Requirement |
|---|---|
| Initial Training | Required before selling LTC products |
| Ongoing Training | As specified by regulation |
Non-Resident Requirements
Non-resident producers must:
- Maintain license in their home state
- Comply with home state CE requirements
- Report any disciplinary actions in other jurisdictions
Reporting Requirements
Rhode Island producers must notify DBR of changes:
Required Notifications
- Change of business address
- Change of residence address
- Change of name
- Administrative actions by other states
- Criminal charges or convictions
How to Report
- Update through NIPR online portal
- Or contact DBR at dbr.inslic@dbr.ri.gov
- Failure to report is a violation
Disciplinary Actions
DBR can take disciplinary action against licensees for violations:
Grounds for Discipline
- Violating insurance laws or regulations
- Fraudulent or dishonest practices
- Misappropriation of funds
- Misrepresentation to clients
- Failure to maintain CE
- Failure to report required information
- Criminal conviction
Types of Discipline
| Action | Description |
|---|---|
| Warning | Letter for minor violations |
| Probation | License continues with conditions |
| Fine | Monetary penalty per violation |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
License Status Types
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively selling (voluntary) |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License permanently cancelled |
How many hours of continuing education does Rhode Island require per renewal period?
How many hours of ethics CE are required in Rhode Island?
What new CE requirement takes effect January 1, 2026 in Rhode Island?
What annuity training is required for Rhode Island producers licensed on or after April 1, 2021?