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Contact

401-462-9520

Mail

dbr.inslic@dbr.ri.gov

Address

Rhode Island Department of Business Regulation Attention: Licensing 1511 Pontiac Avenue Building 69-2 Cranston, RI 02920 United States

Rhode Island Licensing and Renewal Guide

last updated 10 Feb 2026

Rhode Island Licensing and Renewal Guide

What this guide will teach you:

  • How to apply for or renew a Rhode Island producer insurance license for property/casualty/health/life/financial insurance services.
  • What fees to expect for obtaining and maintaining insurance licenses.
  • How to meet continuing education (CE) requirements and deadlines.
  • How to access resources and contact information to simplify the process.

Rules and Requirements for Rhode Island Property and Casualty/Health/Financial Insurance Licenses

New applicants must meet Rhode Island’s eligibility standards, including age, residency, and background requirements.

What is the minimum age to apply for a new license?

Applicants must be at least eighteen (18) years old.

Do I need to provide any specific identification to apply?

Yes, you must provide a SSN (Social Security Number) or a FEIN (Federal Employer Identification Number). Non-citizens must show proof of U.S. work authorization.

Is proof of residency required?

Yes, you are required to provide proof of residency within the state of Rhode Island.

Are there any exams I need to pass to get my license?

Yes, you must pass the appropriate producer licensing exam(s).

Do I need to complete fingerprinting as part of the application process?

Yes, fingerprinting is required.

Are there character requirements to qualify for a license?

Yes, you must pass a state and federal criminal history background check.

How to Apply for and Renew a Producer License in Rhode Island

Applying for a New Producer License in Rhode Island

Applying for a New Producer License in Rhode Island

  1. Pass the Life, Accident & Health or Sickness, Property, Casualty, Personal Lines exam(s). 
  2. Apply for a new license via the National Insurance Producer Registry with the supporting documents and pay the licensing fees. (within 60 days of fingerprinting).
  3. Complete the BCI background report from the RI Attorney General’s office. Then, send your BCI with your NIPR transaction number to dbr.inslic@dbr.ri.gov.

Renewing a Producer License in Rhode Island

Renewing a Producer License in Rhode Island

Licenses require renewal and proof of CE compliance every 2 years on the last day of the licensee’s birth month. License renewals are possible up to 90 days before the expiration date. 

  1. Complete and verify continuing education (CE) hours. Verify that all the requirements in your transcript are complete. 
  2. Submit an electronic application and pay licensing fees through the NIPR.  

Late Renewals: Rhode Island offers a grace period of up to 30 days to late renew without paying additional late fees. The reinstatement period begins on the 31st day and includes a $170 reinstatement fee for residents/$180 fee for non-residents.

Non-Resident Producer Licensing in Rhode Island

Non-Resident Producer Licensing in Rhode Island

Rhode Island issues non-resident licenses in the same line(s) of authority. Check the CE reciprocity arrangements between Rhode Island and your home state.

How to apply for a non-resident license:

  • Apply for a license through NIPR by choosing a Non-Resident License (NRL) Application and submitting supporting documentation along with fees. 

How to transfer a resident license from another state to Rhode Island : 

  • Cancel or convert your previous home state license to a non-resident license.
  • Send a request for a resident license along with your new Rhode Island resident address to dbr.inslic@dbr.ri.gov.  

Note: Licensees can transfer a resident license from another state to Rhode Island within 90 days of relocating (after surrendering the previous resident license) without retaking the licensing exams.

Rhode Island Business Entity Insurance License Applications

Rhode Island Business Entity Insurance License Applications

Provide at least one individual Owners, Officers, Partners, or Directors (OPOD) entry listed as an owner or officer. Include one Designated Responsible Licensed Producer (DRLP) with an active resident or non-resident license and a major line of authority.

  1. Submit an electronic application online at the National Insurance Producer Registry. 
  2. Pay the state license fee of $120 and any additional fees. 

Note: Business entity insurance licenses require renewal every 2 years before the expiration date. Renew up to 90 days before the deadline.

Rhode Island Producer Licensing Fees

Licensing fees for initial licenses, renewals, exams, and other services are as follows.

Fees  Price 
Resident Individual/Business Entity New License/Renewal Fee  $120.00 
Non-Resident Individual/Business Entity New License Fee  $130.00 
Resident Individual/Business Entity Late Renewal/Reinstatement Fee  $170.00 
Non-Resident Individual/Business Entity Late Renewal/Reinstatement Fee  $180.00 
Fingerprint Card  $15.80 
Rhode Island License Exam Fee  $80.00 

Disclaimer: Fees and requirements may change at any time without prior notice. For the most accurate and up-to-date details, we recommend verifying fees through the Rhode Island Department of Business Regulation Insurance Division website directly.

Continuing Education (CE)

CE requirements:  

  • 24 hours of CE (including 3 hours of ethics) every 2 years for Accident & Health or Sickness, Car Rental, Casualty, Credit, Crop, Life, Life Settlement Broker, Other Limited Line (Surety), Personal Lines, Pet, Property, Travel, Variable Life, and Variable Annuity lines.  

More information about Rhode Island CE requirements is available at: Continuing Education – Official Website of the Rhode Island Department of Business Regulation.

  

 

 

FAQs

Licenses in Rhode Island require completion of CE every 2 years before the last day of the licensee’s birth month. Track your exact renewal date and CE credits via the License Manager or on the NIPR website. The Rhode Island Department of SBS Search Tool can help you find CE providers. 

Rhode Island offers a 30-day grace period to renew individual producer licenses without paying a late fee. After the grace period, the licensee must reinstate the license and pay the reinstatement fee of $170 for residents/$180 for non-residents.  

Use tools available on the Rhode Island-specific VerifyMyCE account.

You can check your application status on the NIPR website. 

Disclaimer: This post is for informational purposes only and does not constitute legal or compliance advice. Agenzee does not warrant the accuracy of and assumes no liability for reliance. Please consult regulators or professional advisors as needed. See our full disclaimer for details.

Disclaimer

The information shared in this Resource Center is provided for general educational purposes only. It is not intended as legal, compliance, financial, or other professional advice, and should not be relied upon as such. Laws and regulatory requirements change frequently, and applications may vary depending on your circumstances, so you should verify requirements directly with applicable regulators and seek advice from qualified professionals as needed before choosing to rely solely on information shared in this blog. Agenzee makes no representations or warranties regarding the accuracy, completeness, or timeliness of the information, and assumes no liability for any loss or damages arising from its use. Agenzee is an independent provider of certain services and is not affiliated with or endorsed by the National Insurance Producer Registry (NIPR) or any state regulatory authority.

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Teddy T.

One of the standout features for us is the direct integration with NIPR, which has turned the once-tedious process of handling bulk renewals into a breeze, allowing us to conserve time for driving sales and supporting our clients.

Tasha D.

We've been using Agenzee at PolicyWatch, and it's been a game changer. It's streamlined our license management processes, saving us time and reducing the risk of non-compliance. Agenzee is an essential tool that has significantly improved our operational efficiency and peace of mind.

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Agenzee has helped our agency keep everything organized and in one place. The integration with NIPR is an extremely valuable tool that is hugely helpful when it comes to license expirations and renewals. The ability to request renewals in bulk all within the Agenzee system is a huge time saver!

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Agenzee has had a significant impact on our daily operations by saving us a tremendous amount of time. Instead of dedicating hours to manually maintaining a complex Excel spreadsheet, we now have an efficient system. This has allowed us to focus more on core business activities rather than administrative tasks.

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With Agenzee, being a one-stop shop for licenses, appointments, and now CE's, this has given our producers more independence to monitor their own progress without feeling like they have to look in multiple places.

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