Start with the official Pearson VUE Rhode Island Insurance Candidate Handbook and examination content outlines, then study core life policies, health coverages, annuities, and Rhode Island-specific insurance statutes under Title 27. Complete comprehensive practice questions to identify weak topics, review detailed answer explanations, and master statutory time limits. Before exam day, simulate the Pearson VUE testing environment with full-length timed practice tests and aim to score consistently at 80% or higher to pass comfortably above Rhode Island's 70% passing threshold.

Rhode Island administers separate licensing exams through Pearson VUE for Life Producer (Exam 01) and Accident & Health Producer (Exam 02). Each examination contains 90 multiple-choice questions (80 scored questions and 10 unscored pretest questions) with a 2-hour (120-minute) time limit. Candidates seeking full Life & Health authority must take and pass both individual exams. The passing score for each exam is 70% (at least 56 correct out of 80 scored items). We recommend achieving 80% or higher on practice exams before scheduling.

The Life Producer exam covers term, whole, and universal life policies, policy riders, beneficiary options, group life, and annuity fundamentals alongside Rhode Island life regulations. The Accident & Health exam covers individual and group disability income, medical expense plans, accidental death, Medicare supplements, and long-term care policies. Both examinations evaluate Rhode Island Insurance Code (Title 27) and DBR regulations, including producer licensing, unfair trade practices, rebating prohibitions, fiduciary obligations, and Rhode Island Life and Health Insurance Guaranty Association coverage limits.

The Rhode Island insurance examination fee is $80 per attempt, paid directly to Pearson VUE at the time of reservation using a credit card, debit card, or voucher. If you are taking both the Life and Accident & Health exams, each exam requires an $80 registration fee ($160 total). Exams are administered at Pearson VUE testing centers (including centers in Warwick and East Providence) or remotely via Pearson VUE's OnVUE online proctoring system from a private home or office. If you fail, you must pay the full $80 fee for each retake.

Rhode Island does not statutorily mandate pre-licensing education hours or require a course certificate before sitting for the licensing exam. However, candidates must be at least 18 years old, pass the relevant Pearson VUE examination(s), and complete a state and federal criminal history record check with fingerprinting through the Rhode Island Attorney General Bureau of Criminal Identification (BCI). After passing, apply for your resident producer license online through the National Insurance Producer Registry (NIPR at nipr.com) and pay the $120 biennial licensing fee. Once licensed, producers must complete 24 hours of continuing education every two years, including 3 hours of ethics.

If you do not pass the Rhode Island insurance exam, you receive a diagnostic score report immediately upon completion showing your overall percentage and performance across each content area. You must wait 24 hours before rescheduling your re-examination with Pearson VUE, and you must pay the full $80 exam fee for each subsequent attempt. Rhode Island does not impose a statutory limit on the number of examination attempts within a calendar year. Use your score report breakdown to identify weak sections and complete targeted practice in our question bank before retaking the test.