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Free RI L&H Exam Prep

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

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

Quick Facts

5
Chapters
13
Sections
$0
Our Cost
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 maximize your chances of passing on the first try

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 That Actually Works

The official pass rate is Not publicly reported by Rhode Island DBR / Pearson VUE. Our students do better.

200+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

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What You'll Study

5 chapters covering everything you need to pass

1

Introduction: Rhode Island Life & Health Insurance Exam Overview

1 sections

2

Chapter 1: Rhode Island Insurance Regulation & Licensing

3 sections

3

Chapter 2: Rhode Island Life Insurance Laws

3 sections

4

Chapter 3: Rhode Island Health Insurance Laws

3 sections

5

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

5 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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