Life Producer (Exam 01), Pearson VUE - two sections: Life General Knowledge + Life Rhode Island Specific

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 questions are free, and the full License Pass is $149, yours until you pass. Below are the licensing steps, exactly what the exam covers, and free practice questions written to this state's outline.

At a glance

ExamLife Producer (Exam 01), Pearson VUE - two sections: Life General Knowledge + Life Rhode Island Specific
Scored questions80
Pretest questionsabout 10 (unscored)
Time limit120 minutes
Passing score70 (scaled score 0-100)
Exam fee$80
Testing vendorPearson VUE
Retake rulesMust wait 24 hours before making a reexamination reservation (retakes are one-part exams scored as a whole).
Prelicensing educationnot required for the life line

Verified against official Pearson VUE materials, Candidate Handbook February 2026 (#124000, rev 05/2026); embedded content outlines #124001 effective May 28, 2026. Specs change; confirm when you register.

How to get your Rhode Island life insurance license

  1. 1

    Meet the basics

    Be 18 or older and able to pass the background screening. Rhode Island handles licensing through the NIPR system like most states.

  2. 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. 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. 4

    Pass the exam

    Walk in knowing the format, 80 scored questions in 120 minutes, passing at a scaled 70. About 62% of first-time life exam takers pass nationally (NAIC, latest published data).

  5. 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.

SectionWeightQuestions
General Knowledge19%15 questions
General Knowledge19%15 questions
General Knowledge15%12 questions
General Knowledge10%8 questions
Rhode Island Specific21%17 questions
Rhode Island Specific16%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 1

A single-premium whole life policy would most likely appeal to which buyer?

  1. A. Someone with limited monthly income seeking cheap protection
  2. B. Someone who received a lump sum and wants immediate paid-up permanent coverage
  3. C. Someone who only needs coverage for a 10-year mortgage
  4. 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.

General Knowledge: Traditional whole life products (single-premium life)

Question 2

In a variable universal life policy, who bears the investment risk on the cash value held in the separate accounts?

  1. A. The insurance company
  2. B. The policyowner
  3. C. The state guaranty association
  4. D. The producer who sold the policy
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.

General Knowledge: I. Types of Policies > Interest/market-sensitive/adjustable life products (variable universal life)

Question 3

A producer wants a plan with no cash value and a fixed benefit that lasts only 15 years, then ends. Which product fits best?

  1. A. Level term life
  2. B. Whole life
  3. C. Universal life
  4. 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.

General Knowledge: Types of Policies - Term life (level)

Question 4

How does a flexible premium deferred annuity differ from a single premium immediate annuity?

  1. A. The flexible premium version pays income right away while the single premium version delays it
  2. 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
  3. C. Both are funded with one lump sum but only one is fixed
  4. 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.

General Knowledge Outline I. Types of Policies > Annuities (single and flexible premium; immediate and deferred)

Question 5

Maria 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?

  1. A. Survivorship life
  2. B. Joint life
  3. C. Group life
  4. 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.

General Knowledge Outline I: Types of Policies > Combination plans (joint life - first to die)

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?

Must wait 24 hours before making a reexamination reservation (retakes are one-part exams scored as a whole). About 62% of first-time life exam takers pass nationally (NAIC, latest published data). 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 state-approved prelicensing education provider, and practicing here does not by itself satisfy any state's education requirement.

If your state requires prelicensing education, you must complete it with an approved provider; your state insurance department publishes the approved list. What we do is make sure that when you sit down for the real exam, the questions feel familiar.

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.

Start free

A free placement plus free practice questions. No card to start.

Take the free Rhode Island practice test · How to pass the exam