The Rhode Island Personal Lines license

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

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

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