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RI L&H Exam

📍 US 📚 Insurance 🌐 en 🏛️ Rhode Island Department of Business Regulation

What is the RI L&H Exam?

The Rhode Island Life and Health Insurance Producer License Examination, or RI L&H Exam, is a state-specific test designed to assess a candidate’s knowledge of life and health insurance principles, state laws, and ethical practices. It is taken by individuals seeking to become licensed insurance producers in Rhode Island, ensuring they are equipped to advise clients on insurance products. Passing this exam is a critical step toward a career in insurance, as it demonstrates competency and compliance with state regulations. The exam is administered by the Rhode Island Department of Business Regulation.

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Real Exam Questions
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Duration
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Pass Score
70%
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Pass Rate
👥
Annual Candidates
5,000
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Exam Fee
Free
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Frequency
Year-round
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Eligibility
Individuals seeking to become licensed insurance producers i...

📋 Exam Format

multiple_choicepassage_baseddrag_and_dropimage_basedhotspot
🖥️ Delivery: Computer-based multiple-choice

📋 Exam Sections

General Insurance Knowledge; Life and Health Insurance

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Annuity Products Sample Question
A Rhode Island resident purchased a deferred annuity with a 7-year declining surrender charge schedule starting at 7%. The contract allows a 10% annual free withdrawal. If the accumulated value is $100,000 and the owner surrenders in year 3 when the surrender charge is 5%, what is the approximate surrender charge?

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Prepare for the Rhode Island Life and Health Insurance Producer License Examination with Prep-Mastery. Practice with 1,500 exam-style questions, full-length simulated tests, and comprehensive study notes. Our adaptive learning engine tracks your weak areas and helps you focus where it matters most. Join thousands of students preparing smarter, not harder.

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🔗 Official RI L&H Exam Website →

💡 Tips for Passing the RI L&H Exam

  1. Practice speed: you have only 1.2 minutes per question. Do timed practice sets regularly.
  2. Focus heavily on General Insurance Principles — it carries the highest weight on the exam.
  3. Don't neglect lower-weight topics like Medicare, Medicaid & Long-Term Care and Rhode Island Insurance Law, Regulation & Ethics — they can make the difference between pass and fail.
  4. There's no penalty for wrong answers — always attempt every question.
  5. Focus on understanding concepts, not memorizing — the exam tests application.

❓ Frequently Asked Questions about RI L&H Exam

How many questions are on the Rhode Island Life and Health Insurance Producer License Examination?

The exam has 100 questions across 2 sections: General Insurance Knowledge, Life and Health Insurance.

What is the passing score for the Rhode Island Life and Health Insurance Producer License Examination?

The passing score is 70%.

How long is the Rhode Island Life and Health Insurance Producer License Examination?

The exam is 2 hours long.

What topics are covered on the Rhode Island Life and Health Insurance Producer License Examination?

The exam covers major areas including: General Insurance Principles, Life Insurance Fundamentals, Life Insurance Policies, Provisions & Riders, Annuities, Taxation of Life Insurance & Annuities, Health Insurance Fundamentals.

How should I prepare for the Rhode Island Life and Health Insurance Producer License Examination?

Start with a structured study plan aligned to the exam blueprint. The pass rate is ~65%, so focused preparation is key. Use practice questions, full-length mock tests, and study notes to build both knowledge and test-taking skills.

How much does the Rhode Island Life and Health Insurance Producer License Examination cost?

The exam fee is $60.

How often is the Rhode Island Life and Health Insurance Producer License Examination offered?

The exam is offered on demand.

Exam details are sourced from official governing bodies where available. Always verify with your exam authority before registering.

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