Rhode Island life line
The Rhode Island life insurance exam.
The Rhode Island life insurance exam is 80 scored questions, about 10 unscored pretest questions, in 120 minutes, passing at a scaled 70, $80 per attempt, administered by Pearson VUE. We sell study materials and practice exams for it, written from the official Rhode Island outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Rhode Island Life Producer |
| Scored questions | 80 |
| Pretest questions | about 10 (unscored) |
| Time limit | 120 minutes |
| Passing score | a scaled 70 |
| Exam fee | $80 |
| Testing vendor | Pearson VUE |
| Retake rules | You wait 24 hours before booking a retake. Retakes are one part exams scored as a whole. |
| Prelicensing education | not required for the life line |
Checked against Pearson VUE's official materials. Specs change, so confirm them when you register.
How to get your Rhode Island life insurance license
- 1
Meet the basics
Rhode Island sets its own age, background check and application rules. The Rhode Island insurance department lists them, so read them before you book.
- 2
Study the exam outline
Rhode Island does not require prelicensing education for the life line, so your preparation is the whole game. Study the official outline below and drill practice questions until every section holds.
- 3
Book the exam with Pearson VUE
Register at Pearson VUE, pick a test center or online proctoring where offered, and pay the $80 exam fee.
- 4
Pass the exam
Walk in knowing the format, 80 scored questions in 120 minutes, passing at a scaled 70. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Rhode Island exam covers
From the official exam outline, each section's share of the exam and how many of the 80 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Types of Policies | 19 percent | 15 questions |
| Policy Riders, Provisions, Options, and Exclusions | 19 percent | 15 questions |
| Completing the Application, Underwriting, and Delivering the Policies | 15 percent | 12 questions |
| Retirement and Other Insurance Concepts | 10 percent | 8 questions |
| Rhode Island Laws, Rules, and Regulations Common to Life, Accident, and Health Insurance | 21 percent | 17 questions |
| Rhode Island Laws, Rules, and Regulations Pertinent to Life Insurance and Annuities Only | 16 percent | 13 questions |
Free Rhode Island practice questions
Original questions written to the Rhode Island outline, the same bank our students drill. Tap a question to check the answer.
Question 1A single-premium whole life policy would most likely appeal to which buyer?
- A. Someone who only needs coverage for a 10-year mortgage
- B. Someone who received a lump sum and wants immediate paid-up permanent coverage
- C. Someone with limited monthly income seeking cheap protection
- D. Someone who wants premiums that decrease every year
Show the answer
Answer: B
Single-premium life suits a buyer with a lump sum, such as an inheritance, who wants to fund permanent coverage all at once with no future premiums. Someone with limited monthly income cannot afford one large payment. A 10-year mortgage need points to term insurance, not permanent. Whole life premiums do not decrease each year, so that choice is wrong.
Question 2In a variable universal life policy, who bears the investment risk on the cash value held in the separate accounts?
- A. The state guaranty association
- B. The policyowner
- C. The producer who sold the policy
- D. The insurance company
Show the answer
Answer: B
In variable universal life, the cash value is placed in separate accounts made up of investments the policyowner chooses, so the policyowner accepts the gains and losses. The insurer does not guarantee those separate account returns. The guaranty association covers certain insurer insolvencies, not investment market losses. The producer does not assume the client's investment risk.
Question 3A producer wants a plan with no cash value and a fixed benefit that lasts only 15 years, then ends. Which product fits best?
- A. Level term life
- B. Whole life
- C. Universal life
- D. Return of premium whole life
Show the answer
Answer: A
Level term provides a fixed death benefit for a set period such as 15 years with no cash value, and coverage ends when the term is over. Whole life is permanent and builds cash value, so it does not simply end. Universal life is also permanent and has cash value. Return of premium whole life is not a standard product and still describes permanent, not temporary, coverage.
Question 4How does a flexible premium deferred annuity differ from a single premium immediate annuity?
- A. The flexible premium version pays income right away while the single premium version delays it
- B. The flexible premium version accepts varying deposits over time and delays income, while the single premium version is funded once and pays income promptly
- C. Both are funded with one lump sum but only one is fixed
- D. Both begin paying income immediately after purchase
Show the answer
Answer: B
A flexible premium deferred annuity takes multiple varying deposits and postpones income until a later date, while a single premium immediate annuity takes one lump sum and starts income right away. The first choice reverses which one delays income. Saying both are single lump sum is wrong because flexible premium accepts many deposits. Saying both pay immediately is wrong because the deferred version delays payout.
Question 5Maria and Tom, business partners, buy one policy that pays out when the first of them dies so the survivor can buy out the deceased partner's share; what type of plan is this?
- A. Survivorship life
- B. Joint life
- C. Group life
- D. Adjustable life
Show the answer
Answer: B
A payout at the first death is joint life (first to die), which fits a buy-sell need where the survivor needs cash immediately. Survivorship life pays at the second death, too late for a buyout. Group life covers many employees, not this two-person arrangement. Adjustable life just lets you change premiums and benefits. Key point: first-death payout equals joint life.
Take the free Rhode Island practice test, every question with the answer and the explanation
Rhode Island exam FAQs
How many questions are on the Rhode Island life insurance exam?
80 scored questions, plus about 10 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Rhode Island exam?
You need a scaled 70 to pass.
How much does the Rhode Island life insurance exam cost?
The exam fee is $80 per attempt, paid to Pearson VUE. Licensing application and fingerprint fees are separate.
What happens if I fail the Rhode Island exam?
You wait 24 hours before booking a retake. Retakes are one part exams scored as a whole. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Rhode Island require prelicensing education before the exam?
No. Rhode Island does not require prelicensing education for the life line, which means how you study is up to you and practice exams carry more of the load.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Rhode Island exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (80 questions, 120 minutes), and a mastery map that shows what to study next.