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Rhode Island · State licensing

Pass the Rhode Island Life & Health insurance license exam.

Rhode Island requires no pre-licensing education and uses Pearson VUE for separate Life and Accident and Health exams, each with 80 questions, a 120 minute limit, and a 70 percent passing score.

Quick answer: The Rhode Island Life & Health insurance license exam is administered by Pearson VUE as a 80-question combined exam with a 120-minute limit, and you need 70% to pass. Rhode Island does not require pre-licensing education before you sit. The exam fee is $80 per attempt.

Try the free Rhode Island practice exam →

Quick facts

Testing vendor
Pearson VUE
Passing score
70%
Pre-licensing hours
Not required
Application fee
$120
Exam fee
$80 per attempt
Combined exam length
80 Q · 120 min

Source: dbr.ri.gov. Confirm before you register. State schedules change.

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What's on the Rhode Island L&H exam.

The Rhode Island L&H exam is administered by Pearson VUE. The combined exam runs 80 questions with a 120-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Rhode Island.

Plan for roughly $240–$275 in mandatory Rhode Island state and vendor fees before any study materials.

License application
$120
Exam fee
$80 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
Not required

A retake means paying the $80 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Rhode Island exam FAQ.

Does Rhode Island have a combined Life and Health exam?
No, Rhode Island offers separate Life and Accident and Health exams, each with 80 questions and a 120 minute limit.
What does it cost to get licensed in Rhode Island?
The Pearson VUE exam fee is 80 dollars at a test center, 50 dollars online via OnVUE, and the state resident license fee is 120 dollars.
Is pre-licensing education required in Rhode Island?
No, Rhode Island does not require pre-licensing education, so you can schedule the Pearson VUE exam without coursework first.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.