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Free RI L&H Exam Prep

Rhode Island Life & Health Insurance (Life Producer + Accident & Health Producer)

Prepare for the RI L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.

Quick Facts

24
Chapters
78
Sections
$0
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Updated January 2026
Start Chapter 1

Rhode Island Life & Health Insurance

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Your Study Path

Rhode Island Life & Health Insurance License: Complete Roadmap

Follow this path to organize your licensing and exam preparation

1

Build National Life/Health Core

Start with life policy mechanics, annuities, disability, and medical/group health fundamentals before heavy state-law drilling.

30
hours
Start this step
2

Master RI Producer Law and ComplianceYou are here

Memorize DBR licensing rules, appointment timing, CE, E&O minimums, and unfair-practice enforcement anchors.

24
hours
3

Drill Rhode Island Line-Specific Law

Practice life replacement/annuity suitability and health Medicare supplement/LTC scenarios using Rhode Island law wording.

24
hours
4

Run Timed Two-Line Simulations

Use separate 75-minute general and 45-minute state blocks for both Life and A&H to build pacing discipline.

18
hours
Estimated total study time
96 hours
That's about 10 weeks at 10 hours/week

Can You Take the RI L&H Exam?

Check if you meet the basic eligibility requirements

Age
At least 18 years old for resident producer licensing
Education
No statutory prelicensing classroom-hour requirement listed by DBR producer instructions
Background Check
Rhode Island resident applications include a BCI background-report workflow
Additional Requirements
  • •Resident producers must maintain E&O coverage at least $250,000 per claim and $500,000 annual aggregate under R.I. Gen. Laws § 27-2.4-23
  • •Insurer appointments are generally filed within 15 days after first insurance application submission
  • •Resident producers complete 24 CE hours each biennium including 3 ethics hours under current RI CE regulation
  • •Appointment filing and renewal fees are each $15 under 230-RICR-20-50-5
  • •Pearson VUE handbook states candidates must wait 24 hours before making a reexamination reservation

RI L&H Quick Facts

Time to Get Licensed

4-8 weeks for most candidates preparing both lines

From start to license in hand

Exam Provider

Pearson VUE

In-Person Only
Schedule Your Exam

Retake Policy

Rhode Island handbook states a 24-hour wait before making a reexamination reservation; each new reservation requires payment.

Total Cost Breakdown

Exam Fee$80 per major line exam
Application FeeState licensing and NIPR transaction fees apply after passing
Total Estimated Cost$80-$160 for exam registrations, plus separate licensing/appointment fees
Why Choose Us

Free RI L&H Prep Tools

Reported exam pass rate: Not publicly reported by Rhode Island DBR / Pearson VUE. Check the exam sponsor for the latest official figure.

644+ Practice Questions

Practice by topic with detailed answer explanations

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Review the latest update date on each resource

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What You'll Study

24 chapters covering the exam topics in this guide

1

Standalone Coverage Map

1 sections

2

Introduction: Rhode Island Life & Health Insurance Exam Overview

1 sections

3

National Portion: Principles of Insurance

4 sections

4

National Portion: Insurance Contracts & the Marketplace

4 sections

5

National Portion: Life Insurance Basics & Term

3 sections

6

National Portion: Whole Life & Universal Life

4 sections

7

National Portion: Variable & Specialized Life Products

4 sections

8

National Portion: Life Insurance Policy Provisions

4 sections

9

National Portion: Policy Options, Riders, Dividends & Nonforfeiture

4 sections

10

National Portion: Underwriting, Policy Delivery & Group Life

3 sections

11

National Portion: Annuity Fundamentals & Types

4 sections

12

National Portion: Annuity Payouts & Taxation of Life/Annuities

3 sections

13

National Portion: Qualified Retirement Plans

3 sections

14

National Portion: Health Insurance Basics & Medical Expense

4 sections

15

National Portion: Health Policy Provisions & Group Health

3 sections

16

National Portion: Disability Income Insurance

4 sections

17

National Portion: Long-Term Care & Other Health Products

3 sections

18

National Portion: Medicare & Medicare Supplements

3 sections

19

National Portion: Medicaid, ACA & Health Insurance Taxation

3 sections

20

National Portion: Insurance Regulation, Licensing & Ethics

4 sections

21

Chapter 1: Rhode Island Insurance Regulation & Licensing

3 sections

22

Chapter 2: Rhode Island Life Insurance Laws

3 sections

23

Chapter 3: Rhode Island Health Insurance Laws

3 sections

24

Chapter 4: Rhode Island Insurance Ethics & Prohibited Practices

3 sections

RI L&H-Specific Topics Covered

Rhode Island DBR producer licensing authority and enforcement frameworkSeparate Life Producer and Accident & Health Producer exam structure (general + state sections)Resident producer E&O requirement and minimum limits in § 27-2.4-23Appointment filing timing and fees under RI statute/regulationRhode Island CE cycle, ethics-hour minimum, and renewal complianceRhode Island life replacement/annuity suitability and health Medicare/LTC standardsHealthSource RI marketplace context for individual health coverage questionsRhode Island Life and Health Insurance Guaranty Association protections and exclusions

RI L&H Exam Details

Rhode Island Life & Health Insurance (Life Producer + Accident & Health Producer)

Administered by Rhode Island Department of Business Regulation (DBR) / Pearson VUE

Official Source
70 (scaled score)
Passing Score
Per
Questions
Per
Hours
$80 per major line; Pearson VUE table notes buy one/get one free for back-to-back major-line scheduling
Exam Fee
Study time: 60-100 hours total for both lines
Prerequisites: No statutory prelicensing requirement listed by Rhode Island DBR; pass required line exams and complete producer licensing workflow

Exam Content Breakdown

Based on the official Rhode Island Department of Business Regulation (DBR) / Pearson VUE content outline

Life General Knowledge31.25% of combined two-line scoring

Life policy types, provisions, annuities, underwriting, and tax treatment

Health General Knowledge31.25% of combined two-line scoring

A&H structures, disability, medical/group plans, and senior-market concepts

Rhode Island Life Law18.75% of combined two-line scoring

RI life statutes, replacement, annuity suitability duties, and producer-law integration

Rhode Island Health Law18.75% of combined two-line scoring

RI health statutes, Medicare supplement/LTC standards, and state compliance obligations

What's Included

24 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

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What's Next After the RI L&H?

After passing the RI L&H, you can pursue these career paths

Life & Health Insurance

Strengthen national life and health fundamentals first

Rhode Island Property & Casualty

Add RI P&C authority for broader producer scope

NMLS

Expand into mortgage licensing pathways

RI L&H Exam FAQ

Official Rhode Island Department of Business Regulation (DBR) / Pearson VUE Resources

Verify information with these official sources

Rhode Island DBR Insurance DivisionPearson VUE Rhode Island Insurance ProgramRhode Island Candidate Handbook (Feb 2026) #124000Rhode Island Examination Content Outlines #124001 (effective June 3, 2024)RI DBR Producer Licensing FAQR.I. Gen. Laws § 27-2.4-23 (Producer E&O Requirement)230-RICR-20-50-2 (Producer Continuing Education)230-RICR-20-50-5 (Fees and Appointments)

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