Rhode Island Insurance License Classes Online

Looking for an Rhode Island insurance school? XCEL is the nation’s leading online insurance license school. XCEL has you covered with high-quality Rhode Island insurance license courses, industry expertise and convenience. All of XCEL's Rhode Island courses are approved by the Rhode Island Department of Business Regulation.
Online Course

Rhode Island Life and Health Pre-licensing

$199.00
Online Course

Rhode Island Life Pre-licensing

$199.00
Online Course

Rhode Island Health Pre-licensing

$199.00
Online Course

Rhode Island Property and Casualty Pre-licensing

$199.00
Online Course

Rhode Island Casualty Pre-licensing

$199.00
Online Course

Rhode Island Property Pre-licensing

$199.00

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Rhode Island State Insurance Licensing Requirements

HOW TO OBTAIN A RHODE ISLAND INSURANCE PRODUCER LICENSE

The state of Rhode Island has no formal pre-licensing education requirement however it is recommended as the prelicensing course is designed to prepare candidates for the State Licensing Examination.

Complete the prelicensing course.

  • Life Only
  • Accident and Health
  • Casualty
  • Property
  • Personal lines

Course requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
  • Assessments on key topics throughout the course and must be successfully passed with a minimum score of 70% before moving onto the next chapter.

Schedule the Rhode Island State examination.

  • Registration must be completed online on Pearson VUE website: https://home.pearsonvue.com/ri/insurance
  • Test Center exam fee $80 (candidates can register for two exams in one session only at a test center and pay a single fee of $80)
  • Remote proctored exam fee: $50
  • Spanish exams are available.

Online proctored exams:

  • You must check the compatibility of your computer before registering for the exam. https://home.pearsonvue.com/ri/insurance/onvue
  • If your computer is not compatible with the online software, you will need to schedule your examination at a Pearson Vue test center.

Limitation on repeat examinations:

  • There are no limits on exam retakes.

Pass your state exam

  • Take advantage of the cram courses (Prep Review and Exam Simulator) within your prelicensing course during the waiting period.
    • Prep Review Course: This part of the training features content “boiled down to the essence” of the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind”.
  • On the day of testing, you must present two forms of identification bearing your signature, one of which must be a valid government issued photo id.

Get your Background Report

  • Candidates must provide a background report (BCI) from the Rhode Island Attorney General’s office. 401-274-4400
  • Fingerprint Fee: State background check $5.00 National background check $35

Apply for license

  • Apply for your license online through NIPR website www.nipr.com
  • Application fee $120
  • If you answer “Yes” to a background question on the application, please submit supporting documents electronically via NIPR’s Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax.
  • NIPR verifies exams prior to allowing submission of an application.

Exam Outlines

DESCRIPTION Question Count % of Exam

Questions

Life Health Life Health
Life Insurance
Types of Policies 12 0 15% 0%
Policy Riders, Provisions, Options and Exclusions 18 0 23% 0%
Completing the Application, Underwriting, and Delivering the Policies 12 0 15% 0%
Taxes, Retirement, and Other Insurance Concepts 8 0 10% 0%
Health Insurance
Types of Policies 0 14 0% 18%
Policy Provisions, Clauses and Riders 0 20 0% 25%
Social Insurance 0 3 0% 4%
Other Insurance Concepts 0 4 0% 5%
Field Underwriting Procedures 0 9 0% 11%
Rhode Island Laws and Rules
Rhode Island Laws, Rules, and Regulations Common to both Life and Health Insurance 17 17 21% 21%
Rhode Island Laws, Rules, and Regulation Pertinent to Life Insurance and Annuities 13 0 16% 0%
Rhode Island Laws, Rules, and Regulation Pertaining to Accident and Health Insurance 0 13 0% 16%
Total for all parts
Total Scored Questions on Exam 80 80 1 1
Maximum Time allowed to complete exam in minutes 120 120 135 135
Passing Score 70 70 70 70
DESCRIPTION Question Count % of Exam Questions
Casualty Property Casualty Property
Casualty Insurance
Types of Policies 25 0 30% 0%
Insurance Terms and Related Concepts 14 0 17% 0%
Policy Provisions and Contract Law 11 0 13% 0%
Property Insurance
Types of Policies 0 25 0% 33%
Insurance Terms and Related Concepts 0 14 0% 18%
Policy Provisions and Contract Law 0 11 0% 14%
Rhode Island Laws and Rules
Rhode Island Laws, Rules, and Regulation Common to both Property and Casualty

Insurance

20 20 24% 26%
Rhode Island Laws, Rules, and Regulation Pertinent to Casualty Insurance Only 12 0 15% 0%
Rhode Island Laws, Rules, and Regulation Pertinent to Property Insurance Only 0 6 0% 8%
Total for all parts
Total Scored Questions on Exam 82 76 1 1
Maximum Time allowed to complete exam in minutes 120 120 135 135
Passing Score 70 70 70 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Register for exam
3. Pass exam
4. Submit background report
5. Apply for license

Governing Agency

Name: Rhode Island Department of Business Regulation Insurance Division
Phone: 207-624-8475
Website: https://dbr.ri.gov/
Address: 1511 Pontiac Avenue, Bldg. 69-2 Cranston, RI 02920

Working as an Insurance Agent

Property and Casualty Insurance Agents

What can you expect working as an agent? Property and casualty insurance agents work with clients to help secure policies that protect people and businesses from financial loss.

For individuals many of these events include automobile accidents, fire, theft. For businesses these events can include the same as individuals but can also include workers’ compensation claims, product liability claims, or medical malpractice claims.

Life Insurance Agents

What can you expect from working as an Insurance agent? Life insurance agents work with clients to help secure policies that pay beneficiaries when a policyholder passes away. Life insurance agents also can help people prepare for retirement by offering certain types of annuities.

Health and long-term care insurance agents work with clients to help secure policies that cover the costs of medical care and assisted-living services. They also can help clients secure dental insurance and disability insurance.

Why Students Choose XCEL

XCEL is the nation’s online insurance education industry leader. We provide you with all the tools and study material you will need to pass the state exam the first time. We understand how people learn and incorporate every detail of our knowledge to help you succeed.

Wide Variety
of Study Options

Our programs offer E-books, videos, simulated state exams, flashcards, review notes, and the best instructor support in the industry.

Proven
System

XCEL offers a unique three-step training program instructionally designed to prepare you to pass the first time.

Pass
Rates

XCEL is the nation’s most trusted provider of test-prep solutions for insurance industry licensing exams. Our courses are built around questions similar to those seen on the exams.

Don’t Delay, Start Today!

View insurance courses below to find out what pre-licensing courses are required for your state.