Getting your insurance license is the first step to becoming an insurance agent in Rhode Island. Life insurance, car insurance, home insurance, or business insurance all require a license to sell in any state.


    How To Get Your Insurance License In Rhode Island

    Follow our step-by-step guide to get your insurance license in Rhode Island.


    Step 1

    Step 1. Which Types of Insurance Licenses Do You Need?

    Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get.

    These are examples of the types of insurance policies you can sell with each type of license:

    Most insurance agents choose to get both of these licenses, but if you will only sell one type of policy then you just need to choose which license fits your needs.


    Step 2

    Step 2. Insurance Pre-Exam Education

    After you’ve determined which licenses you need, it’s time to begin studying for the Rhode Island insurance exams.

    Rhode Island does not require you to take a certain amount of pre-license credits before testing. This means that studying for your exam is 100% up to you.

    Most folks choose to take an insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. Others purchase books or other self-study tools to prepare themselves.

    It’s wise to take a week or so to dedicate to your study of this exam. If you don’t feel as though you’re a strong test taker, take a little longer, but don’t let it drag out for long. We want you to pass your test the first time you take it, and we know that you can do it.

    Recommended Course

    For insurance license exam courses and study tools, StateRequirement recommends:

    Step 3

    Step 3. Rhode Island Insurance License Exams

    The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each line of insurance you wish to carry. Pearson Vue does offer a “back-to-back” discount for these tests. This means that if you attempt two of the exams in the same sitting that you will get a two for one discount.

    This is a proctored test, which means that you will be in a controlled environment with a person watching over you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.

    The fee for each attempt of the exams is $80. When you show up you must have a photo ID any other documents that the testing facility has asked you to bring.

    Each of the exams is broken down into two sections: General Knowledge and State Specific. Rhode Island offers a partial pass on each exam, which means that if you take an exam, and pass only one of the sections, that you don’t need to retake that section as long as you pass the other half within one (1) year.

    Be sure to study the Rhode Island Insurance Exam Content Outlines before attempting the tests.

    To explain the scoring of the exams, we will quote the Pearson Vue Rhode Island Insurance Licensing Candidate Handbook:

    Scaled Score

    The passing score of an examination was set by the Rhode Island Department of Business Regulation (in conjunction with Pearson VUE) after a comprehensive study was completed for each examination. Raw scores are converted into scaled scores that can range from 0 to 100. To avoid misuse of score information, numeric scores are only reported to failing candidates. The scaled score that is reported to you is neither the number of questions you answered correctly nor the percentage of questions you answered correctly. With a passing score of 70, any score below 70 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly.

    Pearson Vue

    Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.


    Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.


    StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

    You may register to take your exams and find more information on the Pearson Vue Rhode Island Insurance page. Keep your score report, as you will need to send it in a later step.


    Step 4

    Step 4. License Application

    Once you have completed your exams and fingerprinting, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.

    The fee for an online application is $120, and an NIPR fee of $5, for a total of $125. If you wish to add another line of authority at a later date, there is a $50 license amendment fee.

    Fill out and submit your online application on the NIPR Rhode Island page.


    Step 5

    Step 5. Background Check

    The State of Rhode Island requires that all insurance license applicants submit a background check prior to licensing. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. For more information on this topic, call the Department of Insurance at (401) 462-9520 or email the Insurance Department.

    You must complete your background check with the Rhode Island Attorney General. Walk-in hours are between 8:30 am – 4:00 pm.

    Office of Attorney General
    150 S Main Street
    Providence, Rhode Island 02903

    The fee for background check services is $5.

    Keep all of the documentation that they provide you, as you will need to send it in the next step.


    Step 6

    Step 6. Email Background Check and Exam Scores

    After submitting your license application to the state, you will receive an email from the licensing department requesting your background check information and your exam score report.

    Scan in these documents and send them in a reply email.


    Step 7

    Step 7. Application Review

    Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

    If everything is to acceptable standards your license should be issued quickly. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.

    After you send in the requested documentation, the licensing department will take up to ten (10) days to review it, and then send you an email with verification that your license has been issued.




    You’ve done the work, put in the time and effort, and now hold the key to your own success!  We’re proud of you. Take five (5) minutes and celebrate.

    After Licensing, What's Next?

    Now that you have your license, use the StateRequirement Job Board to find the opening to your new career.

    Rhode Island Department Of Insurance Contact Information

    Mailing Address:

    Rhode Island Business Regulation Division – Insurance Division
    1511 Pontiac Avenue, Building 69-2
    Cranston, Rhode Island 029301

    Phone: (401) 462-9520

    Fax: (401) 462-9602

    Email: [email protected]


    Ready for more?

    Start Studying

    Learn More

    Information on this page has been gathered by a multitude of sources and was most recently updated in December 2020.

    Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

    When readers purchase services discussed on our site, we often earn affiliate commissions that support our work. Learn More