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Become a licensed Life & Health insurance agent in
Rhode Island
Verified Nov 8, 2026 · Source: Candidate Handbook, cover February 2026; revision footer May 2026
- Testing vendor
- Pearson VUE
- Testing format
- Test centers are listed. Remote availability is needs confirmation on the current program page; check before booking.
- Before registering
- Review the resident-producer eligibility and any education or approval requirements on the official state licensing page before booking.
Exam options & fees
- Life Producer$80License application basis: $120 · Source
- Accident & Health Producer$80License application basis: $120 · Source
License application amounts are not a new charge for every exam component. Separate examinations, combined examinations and discounted sessions are labeled above.
Other licensing costs
- License application — standard Life / Health route$120Official source
- NIPR transaction — only if applying through NIPR$5.60 per applicationOfficial source
- Other vendor / processing chargesCheck the official page for any additional processing chargesOfficial source
- Fingerprinting / backgroundFingerprinting costs are listed below. Some states collect them with your application; any included charge is not an additional fee.
Go directly to the official source
Register / schedule your examFind test centers / locationsCandidate handbook / official exam guideOfficial examination fee sourceState insurance licensing authorityResident license application requirements
Location and remote availability depend on examination eligibility, date and vendor rules.
Register for the Rhode Island insurance agent exam
- Review the resident-producer eligibility and any education or approval requirements on the official state licensing page before booking.
- Open the official testing program; create an account using the legal name on your identification.
- Choose the correct examination and permitted testing format, select an appointment, and pay the official examination fee.
- Keep the confirmation. Review the handbook’s exact name-match, photo ID, certificate, check-in, cancellation and retake requirements.
After passing
Apply using the state licensing authority’s instructions after passing.
Fingerprinting & background checks
- Requirement
- Not required under the cited resident instructions
- State instructions
- All resident producer applicants must supply certified Rhode Island state BCI report. The designated Attorney General provider explicitly states State background checks are performed using a person’s name and date of birth; national checks requiring fingerprints are a separate process. No routine fingerprint capture for the required state BCI.
- Vendor / contact
- Rhode Island Attorney General BCI · dbr.inslic@dbr.ri.gov; 401-462-9520 prompt #2
- Separate cost
- $5.00 state BCI report
When to fingerprint, fee details & official sources
- When in the process
- After passing, apply through NIPR; obtain BCI report (valid 30 days) and send to dbr.inslic@dbr.ri.gov with NIPR transaction number.
- Fee / route notes
- Official designated provider quotes $5.00; in-person card fees apply (amount not specified), or mail $5 check/money order plus required release/ID and return postage. National fingerprint background check $45 is a different product and not the producer state BCI requirement.
Additional life-related, restricted & specialty license types (3)
These are not shortcuts to unrestricted Life & Health authority. Appointment, securities, employer, tenure and exemption conditions can apply.
Insurance Producer — Variable Life and Variable Annuity
- Examination
- No state insurance examination required for this authority
- Exam fee
- Not required — state insurance exam
- Application
- $120
Insurance Producer — Credit
- Examination
- No state insurance examination required for this authority
- Exam fee
- Not required — state insurance exam
- Application
- $120
Insurance Producer — Life Settlement Broker
- Examination
- No state insurance examination required for this authority
- Exam fee
- Not required — state insurance exam
- Application
- $120
Non-resident licensing summary
Already licensed in another state? Qualifying matching Life / A&H authority usually does not require a new target-state exam. Home-state-dependent fees, fingerprint exemptions and other conditions differ from the resident path. Confirm your final eligibility and payment total on the official application.
Non-resident state fees
- Life-only state application
- $130
- A&H-only state application
- $130
- Life + A&H in the same application
- $130
- NIPR transaction — separate, only for NIPR applications
- $5.60 general initial-application transaction fee; confirm the final charge for your selected state and application with NIPR before paying.
Per application; electronically issued licenses have a two-year term.
Fingerprinting & background
- Requirement
- Not required on the qualifying reciprocal pathway — see official scope and exceptions
- State instructions
- No routine additional fingerprint submission on the qualifying reciprocal pathway. R.I. Gen. Laws §27-2.4-17(a) expressly waives requirements except §27-2.4-10 for valid reciprocal home-state licensees. The enumerated nonresident conditions impose no routine fingerprint submission. This conclusion rests on the EXPRESS waiver, not merely silence in a checklist. Separate disciplinary/1033 consent review is outside this ordinary pathway.
Continuing education and other notes
Nonresidents must meet their home-state CE; Rhode Island resident/DHS CE rules are different. Active resident producer license required. NIPR electronic license term is two years; all applications defer to state review.
Non-resident license types
Insurance Producer
- Lines
- Life
- Fee
- $130
Insurance Producer
- Lines
- Accident & Health (Health/Sickness)
- Fee
- $130
Insurance Producer
- Lines
- Life, Accident & Health (Health/Sickness)
- Fee
- $130
Both authorities on one application, not necessarily a distinct combined license class.
General non-resident rules
- Valid active resident home-state producer license in good standing; reciprocal home-state licensingR.I. Gen. Laws §27-2.4-17(a) expressly waives requirements except §27-2.4-10 for valid reciprocal home-state licensees. Ordinary reciprocal licensing requires no additional target-state exam; maintain the matching home-state authority.