Rhode Island State Requirements

Required Continuing Education Hours

Life and Health Producers

24 CE hours, including 3 hours in ethics, are required every 2-year license term.

Annuity Training

Initial Training Hours: 4

Frequency: One-time training must be complete prior to selling annuity products.

Effective April 2nd, 2021, licensees who sell annuity products will need to complete a new annuity course that includes the new Best Interest rules. Licensees who have already completed a 4-hour annuity course prior to 1/1/2021 may complete a 1-hour annuity best interest course or complete the new 4-hour annuity best interest course.

Licensees who have not completed a 4-hour annuity course must take the annuity best interests course prior to selling annuities.

Property and Casualty Producers

24 CE hours, including 3 hours of ethics, are required every 2-year license term.

License Term

The license renewal date is the last day of the producer’s birth month, every 2 years.

Final Exam Requirements

Self-study final exams are open book. Producers may refer to the course material while the exam is in progress. The final exam must be passed with a score of 70 percent or higher to receive credit. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.

CE Carryover Allowance

A maximum of 12 hours may be carried over to the next 2-year license term. Excess ethics hours will be carried over as general hours.

Course Repetition Rules

Courses may not be taken for credit more than once within a renewal cycle.

License Renewal Process

Resident and nonresident licensees can renew their licenses here.

If renewing online, after completing the online renewal process, a copy of the transaction confirmation page with copies of the certificates of completion should be faxed to the Department of Business Regulations.

If renewing by paper, attach copies of certificates of completion and submit with the renewal form.

CE Exemptions

The following are exempt from Rhode Island CE requirements:

  • Residents holding licenses for which a licensing examination is not required

  • Limited line credit insurance licensees

  • Adjusters and appraisers

  • Nonresident licensees who meet the CE requirements established by the insurance department in their home state if the home state is reciprocal with the State of Rhode Island. Nonresident producers are not exempt from the NAIC LTC training requirement. See “Nonresident CE Requirements” above for further information.

  • Individuals who are at least 55 years old at the time of renewal and have been licensed continuously for 25 years without lapse.

  • Individuals who are at least 60 years old by July 3, 2004 and have been licensed continuously for at least 20 years without lapse at the time of renewal.

Helpful Links

License Number Look Up

View your CE Transcript

Renew your license online

Rhode Island Department of Business Regulation

State Contact Information

Rhode Island Department of Business Regulation
Phone: 401-462-9520
Fax: 401-462-9602
Web site: www.dbr.state.ri.us

Mailing Address:

State of Rhode Island and Providence Plantations
Department of Business Regulation
Licensing Division
1511 Pontiac Ave., Bldg 69-2
Cranston, RI 02920

AOIS provides information as a courtesy to individuals who are subject to continuing education (CE) as insurance producers, agents, adjusters and/or brokers. Although reasonable efforts have been made to ensure that the information provided here is accurate and current, neither AOIS nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.