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199+ Free RI Life & Health Practice Questions

Pass your Rhode Island Life & Health Insurance Producer exam on the first try — instant access, no signup required.

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Which Rhode Island agency regulates insurance producers and insurers?

A
B
C
D
to track
2026 Statistics

Key Facts: RI Life & Health Exam

50 + 30

Scored Questions Per Major Line

Rhode Island Pearson VUE content outline

75 + 45 min

General + State Time Split

Rhode Island exam table

70

Scaled Passing Score

Rhode Island candidate handbook

$80

Fee Per Major Line

Rhode Island Pearson VUE fee table

$250k / $500k

Resident Producer E&O Minimums

R.I. Gen. Laws § 27-2.4-23

24 CE / 3 ethics

Biennial CE Requirement

230-RICR-20-50-2

As of February 28, 2026, Rhode Island Pearson VUE materials list major-line producer exams at 50 general scored questions and 30 state scored questions (plus unscored items), with 75 minutes for general and 45 minutes for state. Rhode Island uses a 70 scaled passing score and $80 exam fee per major line. Rhode Island resident producer licensing requires E&O insurance with minimum limits of $250,000 per claim and $500,000 annual aggregate.

Sample RI Life & Health Practice Questions

Try these sample questions to test your RI Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 199+ question experience with AI tutoring.

1Which Rhode Island agency regulates insurance producers and insurers?
A.Rhode Island Department of Revenue
B.Rhode Island Department of Business Regulation, Insurance Division
C.Rhode Island Office of the Attorney General, Insurance Unit
D.Rhode Island Secretary of State, Insurance Bureau
Explanation: Rhode Island insurance regulation is handled by the Department of Business Regulation (DBR), Insurance Division. This is the agency that oversees producer licensing, market conduct, and enforcement of insurance law in the state.
2How are Rhode Island major life and health lines tested?
A.One single combined life-and-health exam only
B.Separate Life Producer and Accident & Health Producer exams
C.A state-law exam first, then a national exam on a different day
D.An oral exam administered by DBR staff
Explanation: Rhode Island offers separate major-line exams for Life Producer and Accident & Health Producer. Each line includes both general and Rhode Island-specific testing content.
3How many scoreable questions are in the Rhode Island Life Producer general section?
A.40
B.45
C.50
D.55
Explanation: The Rhode Island life general outline lists 50 scoreable questions in the general section. The exam also includes pretest items, but only scoreable items count toward your result.
4How many scoreable questions are in the Rhode Island-specific section for each major life or health exam?
A.20
B.25
C.30
D.35
Explanation: Each Rhode Island state supplement section is built around 30 scoreable questions. This state-law portion is large enough that you must prepare specifically for Rhode Island rules and statutes.
5What is the standard testing-time split for a Rhode Island major line insurance exam?
A.General 60 minutes and State 60 minutes
B.General 75 minutes and State 45 minutes
C.General 90 minutes and State 30 minutes
D.General 120 minutes and State 30 minutes
Explanation: Rhode Island major-line exams are shown as 1 hour 15 minutes for the general section and 45 minutes for the state section. That totals 2 hours of testing time per major line.
6What is the Pearson VUE exam fee for each Rhode Island major line exam (Life or Accident & Health)?
A.$65
B.$72
C.$80
D.$95
Explanation: The Rhode Island candidate handbook lists an $80 exam fee for each major line. If you plan to test for both life and health authority, budget for both reservations unless a same-session promotion applies.
7According to the Rhode Island exam table, what pricing note applies when two major lines are scheduled back to back?
A.A 10% discount applies only to online proctored testing
B.Buy one get one free pricing is listed for back-to-back major lines
C.The second exam costs half price only for first-time test takers
D.No discount language is listed for multiple major lines
Explanation: The published Rhode Island exam table includes a buy one get one free note for back-to-back major-line scheduling. Candidates should still confirm final checkout totals and scheduling rules with Pearson VUE.
8What passing standard applies to Rhode Island insurance licensing exams?
A.60 scaled score
B.65 scaled score
C.70 scaled score
D.75 scaled score
Explanation: Rhode Island uses a scaled passing score of 70. A scaled score is not the same as raw percent correct, so candidates should not try to convert directly from guessed item counts.
9How long must a Rhode Island candidate wait before making a reexamination reservation?
A.Immediately after leaving the test center
B.12 hours
C.24 hours
D.7 days
Explanation: The Rhode Island handbook states candidates must wait 24 hours before making a reexamination reservation. This cooling period applies to both initial and repeat attempts.
10What is Rhode Island's statutory prelicensing classroom-hour requirement for resident producer applicants?
A.20 hours per line
B.40 hours combined
C.60 hours combined
D.No statutory prelicensing requirement
Explanation: Rhode Island producer licensing instructions state there is no statutory prelicensing requirement. Candidates still need to pass the required licensing exam and complete application requirements.

About the RI Life & Health Exam

Rhode Island requires separate major-line exams for Life Producer and Accident & Health Producer. The state sections emphasize DBR producer law, appointment filing windows, E&O minimums, CE timing, and Rhode Island-specific life and health statutes.

Questions

160 scored questions

Time Limit

2 hours per exam (4 hours total for both lines)

Passing Score

70% (scaled score)

Exam Fee

$80 per exam ($160 total; Pearson VUE lists BOGO for back-to-back major lines) (Rhode Island Department of Business Regulation (DBR) / Pearson VUE)

RI Life & Health Exam Content Outline

31.25%

Life General Knowledge

50 scored life questions on policy types, provisions, annuities, underwriting, and taxation concepts

18.75%

Life Rhode Island Law

30 scored state life questions on RI producer law, replacement standards, and life-specific statutory rules

31.25%

Health General Knowledge

50 scored health questions on policy structures, disability, medical/group plans, and senior-market products

18.75%

Health Rhode Island Law

30 scored state health questions on RI health statutes, Medicare supplement standards, and producer compliance

How to Pass the RI Life & Health Exam

What You Need to Know

  • Passing score: 70% (scaled score)
  • Exam length: 160 questions
  • Time limit: 2 hours per exam (4 hours total for both lines)
  • Exam fee: $80 per exam ($160 total; Pearson VUE lists BOGO for back-to-back major lines)

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

RI Life & Health Study Tips from Top Performers

1Train as two separate exams: build one plan for Life and one for Accident & Health
2Memorize the RI-tested logistics first: 50 general + 30 state, 75+45 minutes, 70 scaled pass score, and $80 fee per line
3Drill Rhode Island producer-law anchors: E&O limits, appointment timing, CE cycle rules, and enforcement triggers
4Use scenario practice for Medicare supplement, disability, LTC, and replacement standards tied to Rhode Island law wording
5Run timed section blocks for both 75-minute general and 45-minute state segments before full-length simulations

Frequently Asked Questions

Does Rhode Island use one combined life-and-health exam?

No. Rhode Island uses separate major-line exams for Life Producer and Accident & Health Producer. Each line includes a general section and a Rhode Island state-law section.

What score do I need to pass Rhode Island producer exams?

Rhode Island uses a scaled passing score of 70. The score is reported as pass/fail, and scaled scores are not a direct raw-percent conversion.

What exam format and timing are listed for Rhode Island major lines?

The outline structure is 50 scored general questions and 30 scored state questions for each line, with 75 minutes for general and 45 minutes for state (2 hours total per major line).

What is a high-priority Rhode Island licensing rule to memorize?

R.I. Gen. Laws § 27-2.4-23 requires resident producers to maintain errors and omissions coverage at minimum limits of $250,000 per claim and $500,000 annual aggregate, subject to statutory exceptions.

What Rhode Island appointment and CE rules are commonly tested?

Insurers generally must file appointments within 15 days after first application submission, and resident producers complete 24 CE hours every biennium including 3 ethics hours under current RI CE regulations.