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Insurance Agent
Training: 0 hours | Exam: Yes
Some details on this page are not yet confirmed against an official source. See sources below or contact the licensing board to verify.
Not required
P&C Education
Not required
L&H Education
2 years (biennial)
Renewal Cycle
$320
Gov. Fees (Both)
Insurance Producer
Rhode Island licenses insurance producers by individual lines of authority (Major Lines). Available lines include Property, Casualty, Personal Lines, Accident & Health, Life, and Variable Products. Life and Health are separate exams. Producers holding any Major Lines license must renew biennially.
Other Available Lines of Authority
No pre-licensing education required
Not required.
Rhode Island Property and Casualty Exams (separate)
Administered by Pearson VUE
180
Questions
70%
Passing Score
Property: 120 minutes, Casualty: 120 minutes
Time Limit
$80 (in-person) or $50 (OnVUE remote)
Exam Fee
Property exam: 87 questions (76 scored, 11 pretest), 2 hours. Casualty exam: 93 questions (82 scored, 11 pretest), 2 hours. Must pass each section (General Knowledge and State Law) separately. Candidates can register for two exams in one session at a test center for a single $80 fee. Remote OnVUE exams are $50.
No pre-licensing education required
Not required.
Rhode Island Life and Health Exams (separate)
Administered by Pearson VUE
180
Questions
70%
Passing Score
Life: 120 minutes, Health: 120 minutes
Time Limit
$80 (in-person) or $50 (OnVUE remote)
Exam Fee
Life exam: 90 questions (80 scored, 10 pretest), 2 hours. Health exam: 90 questions (80 scored, 10 pretest), 2 hours. Must pass each section (General Knowledge and State Law) separately. Can register for two exams in one session at a test center for a single $80 fee.
Compare top-rated insurance pre-licensing schools in Rhode Island.
Minimum Age
18 years old
Education
No formal education requirement specified beyond passing the licensing exam
Residency
Must apply as resident producer if domiciled in Rhode Island. Non-resident licenses available through NIPR.
Background Check
All Rhode Island residents must provide a certified Bureau of Criminal Identification (BCI) background report from the RI Attorney General's Office. State BCI costs $5, national background check costs $35. BCI must be sent with NIPR transaction number to dbr.inslic@dbr.ri.gov within 30 days (background check is only valid for 30 days).
Fingerprinting
Not required
Citizenship
US citizen or authorized to work in the US
Not sure if you need a insurance agent license? Check whether your state requires one.
Rhode Island Life and Health Exams (separate)
Questions
180 questions
Time Limit
Life: 120 minutes, Health: 120 minutes
Passing Score
70%
Administered By
Pearson VUE
Cost of failing
Retake fee: $80 (in-person) or $50 (OnVUE remote)Invest in preparation to pass the first time.
How long should you study? Most candidates study 2–4 weeks before taking the Rhode Island Life and Health Exams (separate).
Study Materials & Exam Prep — Life & Health Insurance License Exam
Prepare for your Life & Health Insurance License Exam with Mometrix study guides, flashcards, online courses, and practice tests.
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| Fee | Amount |
|---|---|
Application Fee Resident initial application fee through NIPR. Plus $5.60 NIPR transaction fee. Some sources cite $125. | $50 |
P&C Exam Fee In-person exam fee at Pearson VUE test center. Can register for both Property and Casualty exams in one session for a single $80 fee. OnVUE remote exam is $50. | $80 |
L&H Exam Fee In-person exam fee at Pearson VUE test center. Can register for both Life and Health exams in one session for a single $80 fee. OnVUE remote exam is $50. | $80 |
Fingerprinting Fee State BCI ($5) + National FBI background check ($35) = $40. This covers the RI Attorney General's Office background report. | $40 |
Total Gov. Fees (Single Line) Application fee ($120) + one exam session ($80) + BCI background check ($40) = $240. Does not include NIPR transaction fee ($5.60). | $240 |
Total Gov. Fees (Both Lines) Application fee ($120) + P&C exam session ($80) + L&H exam session ($80) + BCI background check ($40) = $320. Does not include NIPR transaction fee ($5.60). | $320 |
Pre-Licensing Course Cost: $0 (not required)(per line)
Pre-licensing education is not required. Voluntary study courses typically cost $150-$400 per line.
Use our licensing cost calculator to estimate your total investment including education and exam fees.
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Register and schedule your Property and Casualty exams through Pearson VUE (pearsonvue.com/ri/insurance). Pay the $80 exam fee (can take both Property and Casualty in one session).
Pass both the Property exam (87 questions) and Casualty exam (93 questions) with 70% on each section.
Obtain a certified BCI background report from the RI Attorney General's Office ($5 state + $35 national).
Submit your license application through NIPR (nipr.com) with the $120 application fee plus $5.60 transaction fee.
Email your BCI report and NIPR transaction number to dbr.inslic@dbr.ri.gov within 30 days of the BCI date.
Receive your license from the RI Division of Insurance.
Register and schedule your Life and Health exams through Pearson VUE (pearsonvue.com/ri/insurance). Pay the $80 exam fee (can take both in one session).
Pass both the Life exam (90 questions) and Health exam (90 questions) with 70% on each section.
Obtain a certified BCI background report from the RI Attorney General's Office ($5 state + $35 national).
Submit your license application through NIPR (nipr.com) with the $120 application fee plus $5.60 transaction fee.
Email your BCI report and NIPR transaction number to dbr.inslic@dbr.ri.gov within 30 days of the BCI date.
Receive your license from the RI Division of Insurance.
Important: A license alone does not allow you to sell insurance
After obtaining your license, you must be appointed by at least one insurance company to sell their products.
Appointment fee: Paid by carrier
Non-resident licenses available through NIPR. Non-resident applicants must hold a valid resident license in their home state.
Additional requirements: Non-resident applicants must submit application through NIPR with home state license in good standing
Moving to another state? Use our Transfer Tool to see what you need →
Compare Rhode Island with other states →
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Renewal Cycle
2 years (biennial)
Renewal Fee
$120
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
21 general credit hours + 3 ethics credit hours = 24 total hours per biennial renewal cycle. Effective January 1, 2026, Rhode Island also requires CE for Company Adjusters, Independent Adjusters, and Resident Public Adjusters.
Regulatory Board
Unique to Rhode Island: Rhode Island uses a BCI background check from the RI Attorney General's Office rather than the typical fingerprint-based FBI background check. This BCI is only valid for 30 days, so applicants must coordinate timing carefully. The state also allows taking two exams in one test center session for a single $80 fee, making it efficient for those seeking multiple lines.
Insurance Agent requirements in nearby states
| State | Timeline | |
|---|---|---|
| Rhode Island (you) | 4–10 wks | |
| Connecticut | 4–10 wks | → |
| Massachusetts | 4–10 wks | → |
Other professional licenses in Rhode Island
See how Rhode Island compares: Insurance Agent License Fees by State — Cheapest to Most Expensive →
Related Guides
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Insurance Agent Schools in Rhode Island
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Official Sources
Insurance Agent requirements in Rhode Island verified against Rhode Island Dept. of Business Regulation, Insurance Division, April 2026.
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Already licensed elsewhere? See how to transfer your Insurance Agent license to Rhode Island →
Transfer your Insurance Agent license from Rhode Island to: Connecticut → | Massachusetts →
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