Key Takeaways
- Rhode Island has NO mandatory pre-licensing education requirement for Life & Health insurance
- Life and Health exams must be taken separately (no combined exam available)
- Each exam has 95 questions (80 scored + 15 pretest) with a 70% passing score
- Pearson VUE administers Rhode Island insurance licensing exams
- Rhode Island Department of Business Regulation oversees insurance licensing
Rhode Island Life & Health Insurance Exam
Welcome to the Rhode Island Life & Health Insurance Exam study guide. This comprehensive resource covers Rhode Island-specific insurance laws, regulations, and practices required for your state licensing exams.
About Rhode Island's Life & Health License
Rhode Island requires insurance producers to pass separate Life Insurance and Accident and Health Insurance examinations to sell these products in the state. Note: Unlike most states, Rhode Island does NOT have a combined Life and Health insurance line - you must take each exam separately.
The license is regulated by the Rhode Island Department of Business Regulation - Insurance Division, which oversees all insurance activities in Rhode Island.
What This Exam Covers
This guide focuses exclusively on Rhode Island state law and regulations:
- Rhode Island Department of Business Regulation structure and authority
- State licensing requirements and procedures
- Rhode Island life insurance laws and policy requirements
- Health insurance regulations specific to Rhode Island
- State consumer protections and disclosures
- Rhode Island-specific policy provisions and endorsements
- Ethics and professional conduct under Rhode Island law
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Exam Structure
Life Insurance Exam
| Exam Detail | Requirement |
|---|---|
| Total Questions | 95 (80 scored + 15 pretest) |
| Passing Score | 70% |
| Format | Multiple choice, computer-based |
| Test Provider | Pearson VUE |
Accident and Health Insurance Exam
| Exam Detail | Requirement |
|---|---|
| Total Questions | 95 (80 scored + 15 pretest) |
| Passing Score | 70% |
| Format | Multiple choice, computer-based |
| Test Provider | Pearson VUE |
Important: In Rhode Island, there is NO combined Life and Health insurance exam. You must take each licensing exam separately to obtain both lines of authority.
Pre-License Education Requirements
Rhode Island has NO mandatory pre-licensing education requirement:
- No required classroom hours
- No mandated online courses
- No approved education providers needed
Recommended Preparation
Although not required, due to the difficulty of the exams, it is highly recommended that you:
- Enroll in a study course
- Study 40-60 hours of exam content
- Take multiple practice exams
- Review Rhode Island insurance laws thoroughly
Exam Registration
Schedule your exam with Pearson VUE:
- Online: pearsonvue.com
- Phone: (800) 274-3739
- Options: Physical testing center or remote online proctored exam
Exam Day Requirements
- Bring valid government-issued photo ID
- Arrive 30 minutes early for in-person testing
- No personal items allowed in testing room
License Application Process
After passing the exam(s):
- Timeline: Apply within 1 year of passing the exam
- Submit Application: Through NIPR or state system
- Pay License Fee: Application fee required
- Background Check: May be required
- License Issued: Valid for 2 years
Important: The Rhode Island Department of Business Regulation requires that an applicant must complete all licensing requirements and receive an issued license within 1 year of passing the state insurance exam, or they must retake the exam.
Continuing Education Requirements
Rhode Island requires continuing education for license renewal:
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics Hours | 3 hours in ethics (required) |
| Renewal Cycle | Every 2 years (last day of birth month) |
| Carryover | Up to 12 hours can carry to next period |
| Renewal Fee | $120 per line of authority |
| Late Fee | $170 additional |
Product-Specific Training Requirements
| Product | Initial Training | Ongoing Training |
|---|---|---|
| Annuity Best Interest | 4 hours (one-time, if licensed on/after 4/1/2021) | - |
| Long-Term Care (LTC) | 8 hours | 4 hours every 24 months |
CE Exemptions
The following may be exempt from Rhode Island CE requirements:
- Residents holding licenses for which a licensing exam is not required
- Adjusters and appraisers
- Non-resident licensees who have met home state CE requirements
- Individuals age 55+ with 25+ years continuous licensure
- Individuals age 60+ (as of July 3, 2004) with 20+ years continuous licensure
Rhode Island Department of Business Regulation
The Insurance Division regulates insurance in Rhode Island:
Contact Information
- Phone: (401) 462-9520
- Website: dbr.ri.gov/insurance
- Address: 1511 Pontiac Avenue, Building 69-2, Cranston, RI 02920
What This Study Guide Covers
This guide is organized into the following chapters:
- Chapter 1: Rhode Island Insurance Regulation & Licensing
- Chapter 2: Rhode Island Life Insurance Laws
- Chapter 3: Rhode Island Health Insurance Laws
- Chapter 4: Rhode Island Policy Provisions & Consumer Protections
Work through each chapter systematically, complete all practice questions, and review key takeaways until you can recall them confidently.
Study Recommendations
Timeline
6-8 Weeks Before Exam:
- Begin studying Rhode Island insurance law
- Review national Life & Health concepts
- Take diagnostic practice tests
4 Weeks Before Exam:
- Focus on weak areas identified
- Complete practice quizzes daily
- Memorize key Rhode Island requirements
2 Weeks Before Exam:
- Take full-length practice exams
- Review Rhode Island-specific regulations
- Schedule your exam(s) with Pearson VUE
1 Week Before Exam:
- Final review of key topics
- Focus on Rhode Island laws and rules
- Get adequate rest
Test-Taking Tips
Before the Exam
- Register with Pearson VUE online or by phone
- Schedule both Life and Health exams if needed
- Arrive 30 minutes early at the test center (if in-person)
- Bring valid government-issued photo ID
- No materials allowed in testing room
During the Exam
- Read carefully: Every word matters
- Watch for negatives: "NOT", "EXCEPT", "LEAST"
- Eliminate wrong answers: Narrow choices
- Flag difficult questions: Return later
- Manage time: Monitor your pace
- Don't overthink: Trust your preparation
After the Exam
- Results provided immediately
- Passing: Apply for license within 1 year
- Failing: Reschedule and pay new exam fee
Disclaimer: This study guide is for educational purposes only and does not guarantee exam success. Always verify current regulations with the Rhode Island Department of Business Regulation, as laws and requirements may change.
Does Rhode Island offer a combined Life and Health insurance exam?
How many questions are on each Rhode Island insurance licensing exam?
Does Rhode Island require pre-licensing education before taking insurance exams?
How long do you have to apply for your Rhode Island insurance license after passing the exam?
What is the license renewal fee per line of authority in Rhode Island?