Rhode Island Life & Health Insurance Practice Test 2026
Practice the exam Rhode Island uses, from general life & health knowledge to Rhode Island's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Rhode Island's own insurance law.
Life 80, Health 80 scored questions. The time limit and passing score are set by Rhode Island; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Rhode Island Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Rhode Island Life & Health test
Rhode Island's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies15 Qs
- Policy Riders, Provisions, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Policies12 Qs
- Retirement and Other Insurance Concepts8 Qs
- Rhode Island Laws, Rules, and Regulations Common to Life, Accident, and Health Insurance17 Qs
- Rhode Island Laws, Rules, and Regulations Pertinent to Life Insurance and Annuities Only13 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Rhode Island Laws, Rules, and Regulations Common to Life, Accident, and Health Insurance17 Qs
- Rhode Island Laws, Rules, and Regulations Pertinent to Accident and Health Insurance Only13 Qs
Source: Rhode Island Insurance Supplement Examination Content Outlines, Effective Date: May 28, 2026; Pearson VUE #124001 | 05/2026 (Rhode Island Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Rhode Island exam
Rhode Island official sources
- Unfair methods of competition and unfair or deceptive acts or practices definedGeneral Laws of Rhode Island § 27-29-4 · Rhode Island General Assembly (webserver.rilegislature.gov)
- Accident and Sickness Insurance PoliciesR.I. Gen. Laws Title 27, Chapter 18 · webserver.rilegislature.gov
- Foreign Insurance Companies; Insurance Binders as Evidence of Coverage; Examinations; Unauthorized Insurance BusinessR.I. Gen. Laws Title 27, Chapters 2, 9.4, 13.1 and 16 · webserver.rilegislature.gov
- Large Group Health Insurance Coverage and the Small Employer Health Insurance Availability ActR.I. Gen. Laws Title 27, Chapters 18.6 and 50 · webserver.rilegislature.gov
- Group Life Insurance and Cancellation of Group InsuranceR.I. Gen. Laws Title 27, Chapters 4.8 and 37 · webserver.rilegislature.gov
- Life and Health Insurance Guaranty Association ActR.I. Gen. Laws Title 27, Chapter 34.3 · webserver.rilegislature.gov
- Life Insurance Policies and Reserves; Standard Nonforfeiture Law for Life Insurance; Standard Nonforfeiture Law for Individual Deferred Annuities; Beneficiaries' Bill of Rights; Mandatory Disclosure of Alternatives to Lapse or SurrenderR.I. Gen. Laws Title 27, Chapters 4, 4.3, 4.4, 4.9 and 4.10 · webserver.rilegislature.gov
- Medicare Supplement Insurance Policies and Long-Term Care InsuranceR.I. Gen. Laws Title 27, Chapters 18.2 and 34.2 · webserver.rilegislature.gov
All Rhode Island insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Rhode Island provisions the questions on this page cite most often.
- R.I. Gen. Laws § 27-29-4 · Boycott, coercion, and intimidation24 questions
- R.I. Gen. Laws § 27-18-3 · Required provisions: Claim Forms6 questions
- R.I. Gen. Laws § 27-18-4 · Optional provisions4 questions
- R.I. Gen. Laws § 27-34.2-6 · Long-term care claim denial disclosure3 questions
- R.I. Gen. Laws § 27-34.3-8 · Powers and duties: nonpayment of premiums3 questions
- R.I. Gen. Laws § 27-4.8-5 · Group life insurance standard provision: certificates3 questions
- R.I. Gen. Laws § 27-34.3-19 · Prohibited advertisement of guaranty association act in insurance sales2 questions
- R.I. Gen. Laws § 27-34.3-3 · Coverage and limitations: persons covered2 questions
Exam figures on this page were checked against official pages: Testing company · Exam fee · License fee · Pre-licensing. Confirm anything you rely on with the testing company and the Rhode Island Department of Insurance.