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Rhode Island Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of Rhode Island. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Rhode Island Department of Business Regulation website at http://www.dbr.ri.gov/divisions/insurance/. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.

Rhode Island Department of Business Regulation

Insurance Division
1511 Pontiac Avenue, Bldg. 69-2 
Cranston, RI 0292
Phone: 401-462-9520
Fax: 401-462-9602
Website: www.dbr.ri.gov/divisions/insurance/
Email: insuranceinquiry@dbr.ri.gov


    How to Get Your Insurance License

    1. Complete an Insurance Exam Prep Course

    Those looking to earn a Rhode Island insurance license have a significantly higher chance of passing their licensing exam when they complete one of Kaplan’s exam prep courses. Give yourself the best chance to pass before you sit for the state exam. 

    Prelicensing Education Hour Requirements

    • A person applying for a resident insurance producer license is not required to complete a prelicensing course of study for the lines of authority for which the person has applied.
    • Although prelicensing education is not currently required, due to the difficulty and nature of the exam, Kaplan highly recommends enrolling in a study course.

    Acceptable Methods of Education

    • Classroom (Traditional or Live Online)
    • Self-study
    • Online

    Adjuster License Requirements

    Disclosure for states that require an Adjuster licensing exam and license:

    All insurance adjusters in this state are required to be licensed. Check with the Department of Insurance in your resident state to see how to obtain an adjuster license

    2. Pass Your Rhode Island Licensing Exam

    After completing your exam prep course, you must pass a state licensing exam. Kaplan’s exam prep content is based directly on the Rhode Island licensing exams, so you will be prepared to pass the first time. 

    Certificate of Completion Requirements

    This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Rhode Island Department of Business Regulation website at http://www.dbr.ri.gov/divisions/insurance/.

    Exam Provider: Pearson Vue

    Frequently Asked Questions About the Rhode Island Licensing Exam

    After completing my exam prep how should I prepare for exam day? 

    Exam Preparation

    The following suggestions will help you prepare for your examination. 

    • Applicants must call Pearson Vue at 800-274-3739 or visit the website at www.pearsonvue.com/ri/insurance for exam locations, hours and to schedule an examination. 
    • Available Exams for Rhode Island: 
      • Insurance Producer Exams:
        1. Life
        2. Accident & Health 
        3. Property
        4. Casualty 
        5. Personal Lines
      • Insurance Adjuster Exams:
        1. Property/Casualty Adjuster 
        2. Workers Compensation Adjuster
        3. Public Adjuster

    Exam Day 

    Candidates should report to the test center 30 minutes before the examination and check in with the test center administrator. The candidate’s identification and other documentation will be reviewed and they will be photographed for the score report. Candidates are required to review and sign a Candidate Rules Agreement form. If the Candidate Rules Agreement is not followed and/or cheating or tampering with the examination is suspected, the incident will be reported as such and the appropriate action will be taken. The examination fee will not be refunded, the exam may be determined invalid, and/or the state may take further action such as prohibiting candidates from retaking the examination and/or denying a license. 

    Required Identification 

    Candidates who do not present the required items will be denied admission to the examination, will be considered absent, and will forfeit the examination fee. 

    Suggested Materials:

    • Failing score report (if the candidate is retaking an examination) 
    • Acceptable Forms of Candidate Identification 
    • Candidate must present two forms of current signature identification.

    Primary Identification (with photo and signature):

    • Government-issued Driver’s License 
    • U.S. Dept. of State Driver’s License
    • U.S. Learner’s Permit (plastic card only with photo and signature) 
    • National/State/Country identification card 
    • Passport 
    • Passport cards 
    • Military ID 
    • Military ID for spouses and dependents 
    • Alien Registration Card (Green Card, Permanent Resident Visa)

    Secondary Identification (with valid, unexpired signature): 

    • U.S. Social Security Card 
    • Debit (ATM) Card or Credit Card 
    • Any form of ID on the Primary ID list

    Note: The name on the identification must exactly match the name on the registration. Identification must be in English.

    If the ID presented has an embedded signature that is not visible (microchip), or is difficult or impossible to read, the candidate must present another form of identification from the Primary ID or Secondary ID list that contains a visible signature. Pearson VUE does not recognize grace periods. For example, if a candidate’s driver’s license expired yesterday and the state allows a 30-day grace period for renewing the ID, the ID is considered to be expired.

    What is the exam like? 

    • Candidates will have an opportunity to take a tutorial on the computer on which the examination will be administered. 
    • The time spent on this tutorial will not reduce the examination time.
    • The examination administrators will answer questions, but candidates should be aware that the administrators are not familiar with the content of the examinations or with the state’s licensing requirements. 
    • Examination administrators have been instructed not to advise candidates on requirements for licensure.
    • Candidates may begin the examination once they are familiar with the computer. 
    • The examination begins the moment a candidate looks at the first examination question. 
    • The time allotted for each examination is detailed on the back cover.
    • The examination will end automatically when the examination time has expired, and candidates will leave the test center with their official scores in hand.

    For security reasons, examination material is not available to candidates for review. Candidates who have questions, comments, or concerns about the examinations, or who wish to verify any data held in Pearson VUE files, should direct written inquiries to Pearson VUE at the address provided on the inside front cover of this handbook. In all correspondence, candidates should provide their name and address information. If questions or comments concern an examination already taken, candidates should also include:

    • Name of the examination 
    • Date the examination was taken 
    • Location of the test center 

    Security Procedures

    The following policies are observed at each test center. Candidates who violate any of these policies will not be permitted to finish the examination and will be dismissed from the test center, forfeiting the examination fee. 

    • No personal items are allowed in the testing room. 
    • Personal items include but are not limited to: cellular phones, hand-held computers or other electronic devices, pagers, watches, wallets, purses, firearms or other weapons, hats, bags, coats, books, and/ or notes, pens, or pencils.
    • Candidates must store all personal items in a secure area as indicated by the administrator, or return items to their vehicle. 
    • All electronic devices must be turned off before storing them in a locker. 
    • The test center is not responsible for lost, stolen, or misplaced personal items.
    • Studying is not allowed in the test center. 
    • Visitors, children, family, or friends are not allowed in the test center. 
    • Dictionaries, books, papers (including scratch paper), and reference materials are not permitted in the examination room (unless permitted by the exam sponsor), and candidates are strongly urged not to bring such materials to the test center. 
    • Upon entering and being seated in the testing room, the test administrator will provide the candidate with materials to make notes or calculations and any other items specified by the exam sponsor. 
    • The candidate may not write on these items before the exam begins or remove these items from the testing room. 
    • Eating, drinking, chewing gum, or smoking, and/or making noise that creates a disturbance for other candidates is prohibited during the exam. 
    • Break policies are established by the exam sponsor. 
      • Most sponsors allow unscheduled breaks. 
      • To request an unscheduled break, the candidate must raise their hand to get the administrator’s attention. 
      • The exam clock will not stop while the candidate is taking a break.
      • Candidates must leave the testing room for all breaks. However, candidates are not permitted to leave the floor or building for any reason during this time, unless specified by the administrator and the exam sponsor.
      • If a candidate is discovered to have left the floor or building they will not be permitted to proceed with the examination and may forfeit the exam fees. 
      • While taking a break, candidates are permitted to access personal items that are being stored during the exam only if necessary—for example, personal medication that must be taken at a specific time. However, a candidate must receive permission from the administrator prior to accessing personal items that have been stored. 
      • Candidates are not allowed access to other items, including, but not limited to, cellular phones, exam notes, and study guides, unless the exam sponsor specifically permits this.
    • Any candidate discovered causing a disturbance of any kind or engaging in any kind of misconduct—giving or receiving help; using notes, books, or other aids; taking part in an act of impersonation; or removing examination materials or notes from the examination room—will be summarily dismissed from the examination and will be reported to the state licensing agency. 
    • Decisions regarding disciplinary measures are the responsibility of the state licensing agency.

    How is the exam scored?

    Exam Evaluation

    With a passing score of 70, any score below 70 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly.

    The examination will end automatically when the examination time has expired, and candidates will leave the test center with their official scores in hand. All exams, both initial exams and retake exams, are now one-part exams and are scored as a whole. Reservations for reexamination cannot be made at the test center, and candidates must wait 24 hours before making one. Any additional relevant information found in the candidate handbook.

    How long is the exam?

    LevelExamSectionTimeExam Fees
    01Life ProducerGeneral1 Hour, 15 Minutes$80.00
    01Life ProducerState45 Minutes$80.00
    02Accident & Health ProducerGeneral1 Hour, 15 Minutes$80.00
    02Accident & Health ProducerState45 Minutes$80.00
    03Property ProducerGeneral1 Hour, 15 Minutes$80.00
    03Property ProducerState45 Minutes$80.00
    04Casualty ProducerGeneral1 Hour, 15 Minutes$80.00
    04Casualty ProducerState45 Minutes$80.00
    55Personal Lines ProducerGeneral1 Hour, 15 Minutes$80.00
    55Personal Lines ProducerState45 Minutes$80.00
    14Property/Casualty AdjusterOne Part1 Hour$80.00
    17Public AdjusterOne Part1 Hour$80.00
    18Workers Compensation AdjusterOne Part1 Hour$80.00
    38Motor Vehicle Damage AppraiserOne Part45 Minutes$80.00

    3. Apply for a Rhode Island Insurance License

    Once you have passed your state licensing exam, you are ready to apply for an insurance license. Visit: https://www.nipr.com/ for more information.

    You will be assigned an NPN. This unique identifier is assigned through the licensing application process and is used to track individuals and business entities on a national basis. The NPN is used by many states to replace a producer license number.

    4. Plan to Complete Required Insurance Continuing Education (CE) Credits

    Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan. 

    Learn how to renew a Rhode Island insurance license by clicking here: https://www.kaplanfinancial.com/insurance-continuing-education/rhode-island/state-requirements

    Select a Line of Authority and Start Earning Your License Today:

    Life & Health

    This license qualifies you to explain, sell, and write life and health insurance products in Rhode Island.


    Property & Casualty

    This license qualifies you to sell products designed to protect from financial issues as a result of damage or injury in Rhode Island.

    Personal Lines

    This license qualifies you to sell a variety of insurance plans directly to consumers in Rhode Island.



    This license qualifies you to investigate and adjust any claim in connection with an insurance policy in Rhode Island.