Standalone Coverage Map
Key Takeaways
- Rhode Island licenses Life and Accident & Health as two separate examinations; each is 90 questions (80 scored) at a 70% scaled passing score.
- Each exam combines a large national (general knowledge) portion with a smaller Rhode Island state-law portion; this guide maps every topic to its chapter.
- Use this map to confirm full blueprint coverage before testing: principles, contracts, life products, provisions, annuities, taxation, qualified plans, health, Medicare/Medicaid/ACA, disability, LTC, and regulation.
- The state portion centers on the Department of Business Regulation (DBR), producer licensing and CE (24 hours including 3 ethics), replacement, the Guaranty Association, and unfair trade practices.
- Work top to bottom: master the national chapters first, then the four Rhode Island chapters, then return here to self-audit any weak blueprint area.
How to Use This Coverage Map
This page is a navigation and self-audit tool, not a lesson. Rhode Island, working through the Department of Business Regulation (DBR) and its testing vendor Pearson VUE, licenses Life and Accident & Health (A&H) as two separate examinations. Each exam contains 90 questions (80 scored, 10 pretest) and requires a 70% scaled score to pass. Every exam blends a broad national (general knowledge) portion with a smaller Rhode Island state-law portion.
The tables below break the full blueprint into its standard content areas and point each one to the chapter that teaches it. Read the national chapters first to build foundational knowledge, then the four Rhode Island chapters for state law, then come back here and ask, for each row: Can I explain this without notes? Any row that fails is your next study target.
National Life Blueprint to Chapter
The Life exam's national portion covers contract law, every major life product, policy mechanics, annuities, taxation, and qualified plans.
| Blueprint Area | This Guide |
|---|---|
| Insurance principles, risk, insurable interest | Principles of Insurance |
| Contract elements, legal concepts, marketplace, producers | Insurance Contracts & the Marketplace |
| Life basics, mortality/interest/reserves, term life | Life Insurance Basics & Term |
| Whole life, limited-pay, single-premium, universal life | Whole Life & Universal Life |
| Variable life/VUL, joint/survivorship, group life | Variable & Specialized Life Products |
| Grace, reinstatement, incontestability, beneficiaries, settlement options | Life Insurance Policy Provisions |
| Dividend options, nonforfeiture, riders | Policy Options, Riders, Dividends & Nonforfeiture |
| Underwriting, MIB, policy delivery, group life | Underwriting, Policy Delivery & Group Life |
| Annuity principles, fixed/indexed/variable, immediate/deferred | Annuity Fundamentals & Types |
| Payout options, exclusion ratio, life and annuity taxation | Annuity Payouts & Taxation |
| IRAs, Roth, RMDs, 401(k)/403(b)/SEP/SIMPLE, ERISA | Qualified Retirement Plans |
National Health Blueprint to Chapter
The A&H exam's national portion covers medical plans, policy provisions, group health, disability, LTC, and government programs.
| Blueprint Area | This Guide |
|---|---|
| Health concepts, HMO/PPO/POS/EPO/HDHP-HSA, major medical, eligibility | Health Insurance Basics & Medical Expense |
| Uniform provisions, renewability, pre-existing, COBRA, HIPAA | Health Policy Provisions & Group Health |
| Disability definitions, riders, business disability, Social Security coordination | Disability Income Insurance |
| LTC triggers and provisions, dental/vision, supplemental | Long-Term Care & Other Health Products |
| Medicare Parts A/B/C/D and Medigap | Medicare & Medicare Supplements |
| Medicaid, ACA (EHBs, subsidies, mandates), health taxation | Medicaid, ACA & Health Insurance Taxation |
| State regulation, licensing, unfair trade, replacement, ethics | Insurance Regulation, Licensing & Ethics |
Note: regulation, licensing, unfair trade practices, replacement, suitability, and ethics appear on both the Life and A&H exams and are taught once in the national regulation chapter, then applied to Rhode Island law in the state chapters below.
Rhode Island State Blueprint to Chapter
The state portion tests how Rhode Island law modifies the national rules. It is the highest-yield material per question because it is narrow and frequently tested.
| Rhode Island Topic | This Guide |
|---|---|
| DBR/Insurance Division authority, producer licensing, appointment, 24-hour CE (3 ethics), biennial birth-month renewal | Chapter 1: RI Insurance Regulation & Licensing |
| Life policy free-look, mandated provisions, annuity suitability, replacement procedures | Chapter 2: RI Life Insurance Laws |
| Health mandated benefits, continuation/conversion, Medicare supplement, disability and LTC rules | Chapter 3: RI Health Insurance Laws |
| Unfair trade practices, producer conduct and fiduciary duty, Guaranty Association coverage limits | Chapter 4: RI Insurance Ethics & Prohibited Practices |
Final Self-Audit
Before scheduling, confirm you can: (1) explain every national product and provision in the two national tables; (2) run the core numerics, exclusion ratio, MEC seven-pay test, RMD, and coinsurance/out-of-pocket; and (3) state the Rhode Island variations on licensing, CE, free-look, replacement, continuation, and Guaranty Association limits. When every row passes, you are ready to test.