RI L&H
Rhode Island Life & Health Insurance License Exam
Rhode Island regulates Life & Health producer licensing through Rhode Island Department of Business Regulation, Insurance Division, with the exam delivered by Pearson VUE. Important Structural finding Rhode Island does not offer a combined Life & Health producer exam; Pearson VUE's official RI Candidate Handbook (#124000, Feb 2026) and Content Outlines (#124001, effective 5/28/2026) confirm separate 'Life Producer' and 'Accident & Health Producer' exams only. C3RT includes Life & Health practice content built specifically for Rhode Island, covering national concepts plus Rhode Island statute, producer duties, and ethics.
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RI L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Rhode Island Life & Health Insurance License Exam |
| Governing Body | Rhode Island Department of Business Regulation, Insurance Division |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Rhode Island Department of Business Regulation, Insurance Division official website ↗ |
RI L&H Content Areas and Domains
Domain areas are sourced from the Rhode Island Department of Business Regulation, Insurance Division content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Rhode Island insurance law and regulations
How C3RT Helps You Pass the RI L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the RI L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real RI L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample RI L&H Practice Questions
Q1.Under Rhode Island law, if active employment is a condition of a group life insurance policy, how can an employee maintain their coverage after becoming totally disabled?
- Coverage automatically terminates upon disability.
- The premium must be paid in full regardless of disability status.
- The policy is voided immediately and the insurer must provide a refund of all premiums paid.
- The insured may continue coverage by timely paying the portion of the premium required had total disability not occurred.Correct
Rhode Island law specifically allows an insured to maintain coverage during total disability by paying the portion of the premium that would have been due had they remained active. The other options are incorrect because they contradict this specific statutory right.
Q2.In Rhode Island, what is the maximum duration for which disability coverage can continue during a period of total disability?
- Indefinitely as long as premiums are paid
- Until the insured recovers from their condition
- The earlier of insurer approval or the discontinuance of the group policyCorrect
- Until the end of the current calendar year
Rhode Island law limits continuation to the earlier of insurer approval or the termination of the group policy. The other options are incorrect because they ignore these specific statutory limitations.
Q3.In the state of Rhode Island, if active employment is a condition of an insurance policy, how long may an insured individual continue their coverage after becoming totally disabled?
- Indefinite continuation
- One year (as defined in policy language)
- Six monthsCorrect
- Three months (as defined in policy language)
Rhode Island law specifically allows for a 6-month continuation period for disabled employees. 'One year' and 'Indefinite continuation' are incorrect as they exceed the statutory limit.
RI L&H Frequently Asked Questions
What does RI L&H stand for?
RI L&H stands for Rhode Island Life & Health Insurance License Exam. It is administered by Rhode Island Department of Business Regulation, Insurance Division.
Who administers the RI L&H?
The Rhode Island Life & Health Insurance License Exam (RI L&H) is administered by Rhode Island Department of Business Regulation, Insurance Division. For official information, visit the Rhode Island Department of Business Regulation, Insurance Division website.
Does Rhode Island have a combined Life & Health exam?
Important Structural finding Rhode Island does not offer a combined Life & Health producer exam; Pearson VUE's official RI Candidate Handbook (#124000, Feb 2026) and Content Outlines (#124001, effective 5/28/2026) confirm separate 'Life Producer' and 'Accident & Health Producer' exams only. Check Rhode Island Department of Business Regulation, Insurance Division for the current exam-registration process.
Does Rhode Island require prelicensing education for Life & Health?
We could not confirm the current Rhode Island prelicensing hour requirement for Life & Health from an official source. Check with Rhode Island Department of Business Regulation, Insurance Division directly, since requirements change and several states have removed this requirement entirely.
What score do I need to pass the Rhode Island Life & Health exam?
Rhode Island requires 70 (scaled score, pass/fail reported, not a raw percentage) on the Life & Health exam. Confirm the current standard with Rhode Island Department of Business Regulation, Insurance Division, since passing standards can change.
Is the Life & Health exam different in Rhode Island than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Rhode Island tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Rhode Island Department of Business Regulation, Insurance Division.
C3RT is a native iOS and macOS exam preparation platform covering the Rhode Island Life & Health Insurance License Exam (RI L&H), a Insurance Licensing certification, administered by Rhode Island Department of Business Regulation, Insurance Division. C3RT is not affiliated with or endorsed by Rhode Island Department of Business Regulation, Insurance Division. Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Rhode Island Department of Business Regulation, Insurance Division official website ↗ .