Insurance License Hub

The Rhode Island Life license

Life

Sells life insurance in Rhode Island, which the statute writes as coverage on human lives including endowment and annuity benefits, benefits for death or dismemberment by accident, and disability income. Rhode Island asks no pre-licensing course for it.

Course

None

This license has no pre-licensing course route.

Ways in

3

2 of them skip the state exam.

Exam

$80

Required on some routes and not others.

Every way to qualify

More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. There is no pre-licensing course among them: this license is qualified for by sitting the examination, a license held in another state or moving here already licensed.

  1. Route 1 Pass the examination

    State exam required

    R.I. Gen. Laws 27-2.4-7(a) asks a resident individual applying for a producer license to pass a written examination unless exempt under 27-2.4-11, and 27-2.4-8(a) is the closed list of what the commissioner must find before approving the application: at least 18 years old, no act that is a ground for denial under 27-2.4-14, the fees at 27-2.4-4 paid, and the examinations passed for the lines applied for. No course is in it, which is where Rhode Island's zero is read. There is no cap on retakes: 27-2.4-7(d) says only that somebody who fails or misses one reapplies and pays again.

    Read at webserver.rilegislature.gov on 2026-08-16

  2. Route 2 Hold the same line in another state and certify Rhode Island law

    Exempt from the state exam

    License in another state

    • an insurance producer license carrying the Life line of authority in another state

    and certification of Rhode Island law

    • Certifying knowledge of Rhode Island law applicable to insurance producers, which the statute requires of everybody using this route

    R.I. Gen. Laws 27-2.4-11(a), and it is the only reciprocity clause on this site that keeps something back. Somebody previously licensed for the same lines of authority in another state completes no pre-licensing education and no examination, "but shall be required to certify knowledge of Rhode Island law applicable to insurance producers". New Jersey is the other state here that does not simply waive and stop, and it keeps the other half instead: it waives the examination and leaves the twenty hours of education owed, because its education waiver form does not list a license in another state as a reason. The rest is the usual: the other license has to be current, or the application has to arrive within 90 days of its cancellation with good standing certified by that state or shown in the NAIC producer database.

    Read at webserver.rilegislature.gov on 2026-08-16

  3. Route 3 Move to Rhode Island and apply within 90 days

    Exempt from the state exam

    • 90 days Licensed as an insurance producer in another state carrying the Life line of authority there, and applying to become a Rhode Island resident producer within 90 days of establishing legal residence.

    R.I. Gen. Laws 27-2.4-11(b). Somebody licensed as a producer in another state who moves here has 90 days from establishing legal residence to apply as a resident producer under 27-2.4-8, written as a duty rather than an option. No pre-licensing education or examination is required for a line of authority previously held in the prior state except where the commissioner determines otherwise by regulation.

    Read at webserver.rilegislature.gov on 2026-08-16

Courses

You do not have to buy any of this. The Rhode Island Department of Business Regulation asks for no pre-licensing course, so nothing below is required of you. They are exam prep, priced here so you can see what they cost.

  • A.D. Banker & Company

    Exam practice. No course is required, so this is what to study.

    $79.95 to $296.85

    See 9 options ▾
    Go to A.D. Banker & Company

  • ExamFX

    Exam practice. No course is required, so this is what to study.

    $169.95 to $299.95

    See 6 options ▾

    • Rhode Island Life - Self-Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22

      $169.95

    • Rhode Island Life and Health Bundle - Self-Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22

      $169.95

    • Rhode Island Life - Video Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $219.95

    • Rhode Island Life and Health Bundle - Video Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $219.95

    • Rhode Island Life - Live Online Study Package

      Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $299.95

    • Rhode Island Life and Health Bundle - Live Online Study Package

      Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $299.95

    Go to ExamFX

  • Kaplan Financial Education

    Exam practice. No course is required, so this is what to study.

    $349.00

    See 2 options ▾

    • Career Launcher Package (RI - Life & Health)

      $349.00

    • Career Launcher Package (RI - Life Only)

      $349.00

    Go to Kaplan Financial Education

  • WebCE

    Exam practice. No course is required, so this is what to study.

    $109.95 to $159.95

    See 4 options ▾

    • RI Life, Accident and Health Producer Exam Prep Complete Package

      $109.95

    • RI Life Producer Exam Prep Complete Package

      $109.95

    • RI Life, Accident and Health Producer Exam Prep Plus Complete Package

      $159.95

    • RI Life Producer Exam Prep Plus Complete Package

      $159.95

    Go to WebCE

  • Mometrix

    Exam practice. No course is required, so this is what to study.

    $59.99/month

    See 1 option ▾

    • Life and Health Insurance Exam Prep Course

      $59.99/month

    Go to Mometrix