Rhode Island Insurance License
The Rhode Island insurance license exam, in plain numbers.
Everything below is specific to Rhode Island — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Rhode Island
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 80 | 56 | 70% | 24 |
| Life only | 80 | 56 | 70% | 24 |
| Health only | 80 | 56 | 70% | 24 |
Administered by Pearson VUE for the Rhode Island Department of Business Regulation, Insurance Division. Time limit: published in your Pearson VUE candidate handbook; confirm when you schedule. Roughly 20 of the scored questions (25%) come from Rhode Island law — the block national courses cover most lightly.
Prelicensing
NOT required. Rhode Island is one of the states that does not require prelicensing education; you can schedule and take the exam without completing any coursework first.
Continuing education
24 hours of approved continuing education including 3 hours of ethics, AND a minimum of 5 HOURS IN EACH LINE held by the producer. Governed by R.I. Gen. Laws Section 27-3.2-8 and regulation 230-RICR-20-50-2. A Life or Accident & Health licensee must also complete an approved 8-hour long-term care course before selling LTC.
License term
2 years, by the last day of the birth month
Regulator
The Rhode Island Department of Business Regulation, Insurance Division oversees licensing, headed by a Director leading the Department of Business Regulation, whose Insurance Division regulates insurance.
Rhode Island Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Rhode Island policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Rhode Island, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Rhode Island insurance exam questions, answered
How many questions are on the Rhode Island insurance license exam?
The combined life and health exam has 80 scored questions. You need 56 correct to pass at 70%, which means you can miss 24.
What is the passing score for the Rhode Island insurance exam?
70%. That works out to 56 correct answers out of 80 scored questions.
Who administers the Rhode Island insurance license exam?
Pearson VUE, on behalf of the Rhode Island Department of Business Regulation, Insurance Division.
Does Rhode Island require prelicensing education?
NOT required. Rhode Island is one of the states that does not require prelicensing education; you can schedule and take the exam without completing any coursework first.
How much continuing education does Rhode Island require?
24 hours of approved continuing education including 3 hours of ethics, AND a minimum of 5 HOURS IN EACH LINE held by the producer. Governed by R.I. Gen. Laws Section 27-3.2-8 and regulation 230-RICR-20-50-2. A Life or Accident & Health licensee must also complete an approved 8-hour long-term care course before selling LTC.
Is there a Rhode Island life-only or health-only exam?
Yes. Life only is 80 scored questions, 56 to pass, Health only is 80 scored questions, 56 to pass.
How much does a Rhode Island study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Rhode Island Department of Business Regulation, Insurance Division.