A candidate fails the Rhode Island producer examination. What must the candidate do before being rescheduled?R.I. Gen. Laws § 27-2.4-7(d)
A producer licensed for life insurance in another state applies in Rhode Island and is excused from the examination. What must the applicant still do?R.I. Gen. Laws § 27-2.4-11(a)
A Rhode Island domestic stock insurer needs capital stock of $1,000,000 and surplus of $2,000,000 before it commences business. What net assets over all liabilities must a mutual company have?R.I. Gen. Laws § 27-1-37(a)
A Rhode Island licensee fails to meet the continuing education requirements and has no extension. After a hearing, which may be waived, what follows?R.I. Gen. Laws § 27-3.2-7
A Rhode Island producer converts to his own use premiums collected from a policyholder for the insurer. Of what is the producer guilty?R.I. Gen. Laws § 27-2.4-19
A Rhode Island producer is paid by the customer for placing insurance and also wants compensation from the insurer. Besides the customer's documented acknowledgment, what must the producer provide before the purchase?R.I. Gen. Laws § 27-2.4-15.1(a)
Show all 82 questions (76 more)
Commissioner and producer licensing, continued
A Rhode Island producer lets the license expire and reinstates it within 12 months of the renewal due date. What penalty is required for the late renewal fee?R.I. Gen. Laws § 27-2.4-9(c)
A Rhode Island producer plans to do business under a name other than the producer's legal name. When must the commissioner be notified?R.I. Gen. Laws § 27-2.4-12
For a violation of Title 27 by a licensee, Rhode Island's director may levy an administrative penalty of not less than $100. What is the most the penalty may be?R.I. Gen. Laws § 42-14-16(a)
In Rhode Island's Producer Licensing Act, who is the insurance commissioner?R.I. Gen. Laws § 27-2.4-2
Is a Rhode Island resident business entity that acts as an insurance producer required to hold its own producer license?R.I. Gen. Laws § 27-2.4-8(b)
Rhode Island resident producers must carry errors and omissions insurance with an annual aggregate limit of $500,000. What is the least amount per claim?R.I. Gen. Laws § 27-2.4-23(a)
Rhode Island's commissioner refuses to renew a producer's license and gives the reason in writing. Within how many days may the producer make written demand for a hearing?R.I. Gen. Laws § 27-2.4-14(b)
Rhode Island's continuing education chapter does not apply to some long-time licensees. Which one?R.I. Gen. Laws § 27-3.2-3
Rhode Island's Producer Licensing Act lists the causes for which a license may be suspended or revoked. Which act is on the list?R.I. Gen. Laws § 27-2.4-14(a)
To which Rhode Island producers does the errors and omissions insurance requirement not apply?R.I. Gen. Laws § 27-2.4-23(d)
Under Rhode Island's Producer Licensing Act, what authority does an insurance producer license by itself give the holder to commit an insurance carrier?R.I. Gen. Laws § 27-2.4-2
Where must an insurance company organized under Rhode Island law keep its principal office and its records, unless the director allows otherwise after a public hearing?R.I. Gen. Laws § 27-1-1(a)
Who bears the cost when Rhode Island's insurance commissioner examines the affairs of an insurance company, and how is the cost measured?R.I. Gen. Laws § 27-13-1
Life insurance law 15
A Rhode Island applicant for life insurance asks for the medical reports made at the insurer's request. To whom are the reports provided?R.I. Gen. Laws § 27-4-25
A Rhode Island employer pays group life premiums under a collective bargaining agreement, and work stops in a labor dispute. On what condition does an employee's coverage continue?R.I. Gen. Laws § 27-4-22.1(a)
A Rhode Island insured names a beneficiary and later dies owing debts. What may the insured's creditors reach from the policy proceeds?R.I. Gen. Laws § 27-4-11
A Rhode Island life policy excludes death from suicide during the first two years, and the insured dies by suicide in that period. What must the company pay at a minimum?R.I. Gen. Laws § 27-4-6.2(b)
A Rhode Island life policy reserves sole discretion to the insurer to interpret the policy's terms. What is the effect of the clause?R.I. Gen. Laws § 27-4-28
The adjustable loan interest rate on a Rhode Island life policy rises during a policy year. May the policy terminate that year solely because of the change?R.I. Gen. Laws § 27-4-13.1(b)
An insured under a Rhode Island individual life policy dies during a period for which the premium has been paid. What must the insurer add to the policy proceeds?R.I. Gen. Laws § 27-4-6.2(a)
An insured under a Rhode Island individual life policy dies within the grace period. What may the insurer deduct from the proceeds?R.I. Gen. Laws § 27-4-6.2(a)
At what rate must a Rhode Island insurer pay interest on the proceeds of a life insurance death claim, from the date of death to the date of payment?R.I. Gen. Laws § 27-4-26
The death benefit of a Rhode Island life policy is increased on new evidence of insurability. From what date do the two years of contestability run for the increase?R.I. Gen. Laws § 27-4-6.2(a)
In Rhode Island, who decides whether a matter misstated in a life insurance application contributed to the event insured against?R.I. Gen. Laws § 27-4-10
What may a Rhode Island life insurance policy NOT contain, besides a time limit for suits shorter than three years?R.I. Gen. Laws § 27-4-13
What must a Rhode Island life insurer tell an applicant in writing, at the time of application, to guard against an unintentional lapse?R.I. Gen. Laws § 27-4-30(a)
When does a misstatement made in procuring a Rhode Island life policy make the policy void?R.I. Gen. Laws § 27-4-10
Who may ask Rhode Island's department of business regulation to search for life insurance policies covering a person who has died?R.I. Gen. Laws § 27-4-29
Free look and insurable interest 5
A Rhode Island corporation insures a broad class of employees to fund its retirement benefit costs. To what amount is the coverage on those employees limited?R.I. Gen. Laws § 27-4-27(c)
A Rhode Island life insurer may issue a policy on a person's life payable to a charitable corporation that has no financial interest in that life. What does the statute require?R.I. Gen. Laws § 27-4-27(a)
A Rhode Island policyowner returns a life policy during the right to examine period. What is the policy's status?R.I. Gen. Laws § 27-4-6.1
Policies delivered before 2008 carried a ten-day right to return. For how many days at least may the owner of an individual life policy or annuity contract delivered in Rhode Island today return it for a refund of the premium?R.I. Gen. Laws § 27-4-6.1
Two owners of a Rhode Island company sign an option to buy each other's stock. What interest does the insurable interest statute give each in the life of the other?R.I. Gen. Laws § 27-4-27(c)
Accident and health insurance law 27
A Rhode Island accident and sickness insurer finds a misstatement in an application that was not fraudulent. When can it no longer use the misstatement to void the policy?R.I. Gen. Laws § 27-18-3(a)
A Rhode Island employee insured under a group medical plan is involuntarily laid off. For how long at most may the plan benefits be continued?R.I. Gen. Laws § 27-19.1-1(a)
A Rhode Island health plan that includes pregnancy-related benefits must cover the diagnosis and treatment of infertility for women between which ages?R.I. Gen. Laws § 27-18-30(a)
A Rhode Island health plan with mastectomy benefits must cover reconstruction of the breast operated on. What else must it cover?R.I. Gen. Laws § 27-18-39(a)
A Rhode Island health policy covers the services of licensed midwives. What may the insurer NOT require?R.I. Gen. Laws § 27-18-31(b)
A Rhode Island judgment of divorce orders that the former spouse of a health plan member stay covered. What may the plan charge or require for that?R.I. Gen. Laws § 27-20.4-1(a)
A Rhode Island long-term care insurer approves an application. By when must it deliver the contract or certificate to the applicant?R.I. Gen. Laws § 27-34.2-6(j)
A Rhode Island long-term care insurer must offer an inflation protection option. If benefit levels increase annually, at what compound rate at least?R.I. Gen. Laws § 27-34.2-13(a)
A Rhode Island long-term care policy has been in force for eight months. On what showing may the insurer rescind it?R.I. Gen. Laws § 27-34.2-7.1(b)
A Rhode Island subscriber adopts a child who was under the guardianship and custody of the department of children, youth and families. What coverage must the plan give the child?R.I. Gen. Laws § 27-18-27
After a Rhode Island long-term care policy has been in force for a certain time, it is not contestable on the grounds of misrepresentation alone. How long is that time?R.I. Gen. Laws § 27-34.2-7.1(c)
An insured under a Rhode Island accident and sickness policy is hurt in a fall. Unless it is not reasonably possible, how many days does the policy's required provision give for written notice of claim to the insurer?R.I. Gen. Laws § 27-18-3(a)
At what premium is extended group medical coverage available to a Rhode Island member who was involuntarily laid off?R.I. Gen. Laws § 27-19.1-1(b)
Besides holding a producer license for accident and health or life, what must an individual complete before selling long-term care insurance in Rhode Island?R.I. Gen. Laws § 27-34.2-21
For a violation of Rhode Island's Medicare supplement chapter the director may levy a penalty of up to $50,000. What is the least such a penalty may be?R.I. Gen. Laws § 27-18.2-10
How does Rhode Island define the home health care that each accident and sickness policy must cover at a minimum?R.I. Gen. Laws § 27-18-3(c)
On what terms must a Rhode Island health insurance plan cover the treatment of mental health and substance use disorders?R.I. Gen. Laws § 27-38.2-1(a)
Remarriage of a Rhode Island health plan member ends the former spouse's continued coverage. How many days does the former spouse then have to buy an individual policy without evidence of insurability?R.I. Gen. Laws § 27-20.4-2
Rhode Island requires health plans covering a dependent child to include pediatric preventive care. For which cost need benefits not be provided?R.I. Gen. Laws § 27-38.1-2(b)
Rhode Island's minimum home health care benefit covers home health aide visits up to 20 hours a week. To how many nursing visits a week is the minimum coverage limited?R.I. Gen. Laws § 27-18-3(c)
Under a Rhode Island accident and sickness policy an action may not be brought until 60 days after written proof of loss. After what time may no action be brought?R.I. Gen. Laws § 27-18-3(a)
What dollar limitation may a Rhode Island health plan place on coverage for the treatment of mental health and substance use disorders?R.I. Gen. Laws § 27-38.2-1(b)
What is the highest subscriber copayment a Rhode Island health plan may require for procedures whose sole purpose is the treatment of infertility?R.I. Gen. Laws § 27-18-30(a)
What may a Medicare supplement policy in force in Rhode Island NOT contain?R.I. Gen. Laws § 27-18.2-3(a)
When must the outline of coverage for a Rhode Island Medicare supplement policy be delivered to the applicant?R.I. Gen. Laws § 27-18.2-6(a)
Which notice must a Rhode Island long-term care insurer display on the first page of the outline of coverage and the policy?R.I. Gen. Laws § 27-34.2-14(a)
Who must approve a change in a Rhode Island accident and sickness policy before the change is valid?R.I. Gen. Laws § 27-18-3(a)
Marketing practices and penalties 12
A person wants judicial review of a Rhode Island cease and desist order for an unfair trade practice. Within how many days from service of the order must the petition be filed?R.I. Gen. Laws § 27-29-7(a)
A Rhode Island insurer must keep a record of the complaints it has received since its last examination. What counts as a complaint?R.I. Gen. Laws § 27-29-4
A Rhode Island life insurer denies an application solely because the applicant has a prescription for an opioid antagonist. What does the statute provide?R.I. Gen. Laws § 27-4-1.1
A Rhode Island life insurer's license is revoked for misrepresenting policies to induce a lapse of insurance in another company. Unless renewed sooner on good cause, how long must pass before the license is reinstated?R.I. Gen. Laws § 27-4-5
After a Rhode Island cease and desist order has become final, a violator may forfeit up to $25,000 to the state. What sum applies when the court finds the violation willful?R.I. Gen. Laws § 27-29-9(a)
For an unfair trade practice not committed flagrantly, Rhode Island's commissioner may order up to $5,000 for each violation. What is the cap on the aggregate penalty?R.I. Gen. Laws § 27-29-6(a)
In which court is a petition filed to review a Rhode Island cease and desist order for an unfair insurance practice?R.I. Gen. Laws § 27-29-7(a)
Rhode Island's commissioner reports that an insurer is engaging in an unfair practice the statute does not define, and the practice continues. Through whom may the commissioner petition the superior court to restrain it?R.I. Gen. Laws § 27-29-8(b)
Rhode Island's commissioner serves a statement of charges for an unfair trade practice. How soon after service may the hearing be held?R.I. Gen. Laws § 27-29-5(a)
Under Rhode Island's unfair practices law, through whom may an insurer offer more than one group policy of insurance, apart from employer-employee relationships?R.I. Gen. Laws § 27-29-4
What does Rhode Island forbid an insurance producer of a life insurance company to do about collecting dues upon policies?R.I. Gen. Laws § 27-4-3
When may a Rhode Island life insurer reject an application or set the rate class on the basis of the applicant's disability?R.I. Gen. Laws § 27-4-1
Guaranty association 4
A Rhode Island producer uses the protection of the guaranty association in advertising insurance. How does the guaranty act treat that?R.I. Gen. Laws § 27-34.3-19(a)
Leaving aside basic hospital, medical and surgical and major medical insurance, what aggregate of benefits on any one life caps the Rhode Island guaranty association's obligation?R.I. Gen. Laws § 27-34.3-3(c)
Up to what amount does the Rhode Island guaranty association cover basic hospital, medical and surgical insurance for any one individual?R.I. Gen. Laws § 27-34.3-3(c)
What is the most Rhode Island's life and health insurance guaranty association may be obligated to cover in death benefits on one life, where net cash surrender values are capped at $100,000?R.I. Gen. Laws § 27-34.3-3(c)
How this list was compiled: Own questions, written from the Rhode Island General Laws: chapters 27-1, 27-2.4, 27-3.2, 27-4, 27-13, 27-18, 27-18.2, 27-19.1, 27-20.4, 27-29, 27-34.2, 27-34.3, 27-38.1 and 27-38.2 and section 42-14-16, read on 2026-10-15 on the General Assembly's website (https://webserver.rilegislature.gov/Statutes/). Each question names its section and links to it. The topics follow the Life: Rhode Island Specific outline and the Accident and Health: Rhode Island Specific outline (State Statutes, Rules and Regulations: 30 scoreable questions plus 5 pretest questions each) in the Rhode Island Insurance Content Outlines effective May 28, 2026 (#124001), which print a section of the General Laws or a rule beside each topic; the outlines and the Licensing Candidate Handbook of February 2026 (#124000) are published for the Rhode Island Department of Business Regulation by its examination administrator (the outlines: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124001.pdf; the handbook: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124000.pdf). Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course, a study guidebook or an exam question pool.
How it works
This unofficial Rhode Island life and health insurance practice test covers the Rhode Island Specific part of each exam: 82 of our own questions from the General Laws. Not affiliated with the Rhode Island Department of Business Regulation.
Read the full guide
What the Rhode Island Specific part asks
Each state part has 30 scored questions. The outline gives 17 of them to law common to both lines (the commissioner, definitions, licensing, marketing practices, the guaranty association) and 13 to the line itself, and prints a section of the General Laws or a rule beside each topic.
Where Rhode Island differs
A misstatement voids a life policy only if it actually contributed to the loss, a question for the jury (§ 27-4-10). Death proceeds earn 9 percent interest from the date of death (§ 27-4-26), and resident producers must carry errors and omissions insurance (§ 27-2.4-23). Topics that rest on Department rules, such as replacement and annuity suitability, are not asked.
A life policy or annuity delivered today may be returned within at least 20 days of delivery (§ 27-4-6.1).
An expired license can be reinstated within 12 months at double the unpaid renewal fee (§ 27-2.4-9).
Infertility coverage applies to women aged 25 to 42, with a copayment of no more than 20 percent (§ 27-18-30).
Questions and answers
How many questions are on the Rhode Island life and health insurance exam?
Each exam, Life Producer and Accident and Health Producer, has 50 scored general questions and 30 scored Rhode Island questions, plus 5 unscored pretest questions a part. The handbook allows 1 hour 15 minutes for the general part and 45 minutes for the state part.
What is the passing score for the Rhode Island insurance exam?
The candidate handbook describes a scaled score from 0 to 100 with a passing score of 70, set by the Rhode Island Department of Business Regulation. Each exam is scored as a whole, and a numeric score is reported only to candidates who fail.
Does Rhode Island have a combined life and health insurance exam?
No. The handbook lists Life Producer and Accident and Health Producer as separate exams. This bank serves both: 35 questions on law common to the two lines, 20 on life insurance and 27 on accident and health.
Are these the real Rhode Island insurance exam questions?
No. They are our own, written from the Rhode Island General Laws. This site has never seen the state exam, and the Department did not write or review them.