Rhode Island License Requirements
Rhode Island Insurance License Requirements (2026)
Everything you need to know to get and keep your Rhode Island insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
Rhode Island Insurance License Requirements at a Glance
Key facts for getting and maintaining your Rhode Island insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of Rhode Island |
| Prelicensing Hours (Life) | None required (optional) |
| Prelicensing Hours (Health) | None required (optional) |
| Prelicensing Hours (Life & Health Combined) | None required (optional) |
| Exam Provider | Pearson VUE |
| Exam Fee | $80 |
| Passing Score | 70% |
| Application Fee | $120 |
| Background Check Cost | $5 |
| Fingerprinting Required | Yes |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 3 hours |
| Renewal Deadline | Rhode Island licenses expire on the last day of your birth month every 2 years |
| License Duration | 2 years |
| Special Training Required | No |
| Total Cost Estimate | $350-500 estimated total cost |
| Total Licensing Time | 2-4 weeks |
How to Get Your Rhode Island Insurance License
Follow these five steps to go from zero to licensed in Rhode Island.
Complete Prelicensing Education
Prelicensing education status for Rhode Island: None required (optional). Check with the Rhode Island Department of Business Regulation, Insurance Division for current requirements.
Browse Rhode Island Prelicensing Courses →Schedule and Pass the State Exam
The Rhode Island insurance licensing exam is administered by Pearson VUE. The exam fee is $80, and you'll need a passing score of 70%. Schedule your exam online after completing your prelicensing education.
Schedule Your Exam with Pearson VUE →Complete Fingerprinting
Fingerprinting required through Per DBR instructions
Apply for Your License
Submit your application through the National Insurance Producer Registry (NIPR) The application fee is $120. Processing typically takes A few weeks.
Apply for Your Rhode Island License →Get Appointed and Start Selling
Once your Rhode Island insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the Rhode Island Department of Business Regulation, Insurance Division. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
Rhode Island Fingerprinting Requirements
Fingerprinting required through Per DBR instructions
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Rhode Island CE Renewal Requirements
To keep your Rhode Island insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
3 hours
Ethics Hours Required
2 years
Renewal Period
Rhode Island licenses expire on the last day of your birth month every 2 years
Renewal Deadline
$39
CE Package Price
DBR
Regulatory Body
Rhode Island Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in Rhode Island.
Insurance Code
Rhode Island General Laws, Title 27 – InsuranceView Statute
Prelicensing Education
N/A — not required
Examination Requirements
R.I. Gen. Laws 27-2.4-7
Age Requirements
R.I. Gen. Laws § 27-2.4-8(a)(1)
Background Check
R.I. Gen. Laws Sec. 27-2.4-8(a)(2) and (c)
Fingerprinting
R.I. Gen. Laws § 27-2.4-8(c)
License Application
R.I. Gen. Laws § 27-2.4-8(a)
CE Requirements
R.I. Gen. Laws 27-2.4-9(b)
CE Ethics
230-RICR-20-50-2
Administrative Code
Title 230, Chapter 20 - InsuranceView Statute
Provider Regulation
Rhode Island Code of Regulations §230-20-50-2
Rhode Island Insurance License Requirements — FAQs
How long does it take to get a Rhode Island insurance license?
Most candidates complete the Rhode Island insurance licensing process in 2-4 weeks. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in Rhode Island?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in Rhode Island?
Fingerprinting required through Per DBR instructions
Can I transfer my insurance license from another state to Rhode Island?
Reciprocal licensing is available for producers licensed in good standing in their home state. No exam is required.
How much does a Rhode Island insurance license cost?
The total cost to get your Rhode Island insurance license typically falls in the $350-500 estimated total cost range. This includes: prelicensing course fees, the exam fee ($80), the state application fee ($120), and the background check cost ($5). Individual costs vary based on the line of authority you choose.
What are the Rhode Island CE requirements?
Rhode Island requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. Your renewal deadline is Rhode Island licenses expire on the last day of your birth month every 2 years. JustInsurance offers state-approved CE packages starting at $39.
Does Rhode Island offer a combined Life and Health insurance exam?
No. Rhode Island does not offer a combined Life & Accident/Health exam. You must pass separate exams for each line of authority through Prometric. Rhode Island requires fingerprinting per instructions from the Department of Business Regulation (DBR) Insurance Division — the specific fingerprinting process details are provided during the application process. No prelicensing education is required.
What are the prelicensing hour requirements in Rhode Island?
Rhode Island requires None required (optional). Courses are available fully online through JustInsurance.
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