Rhode Island Insurance Producer License Renewal

Completing your insurance producer license renewal Rhode Island requirements on time is essential to maintaining an active status and conducting business legally. Regulated by the Rhode Island Department of Business Regulation - Insurance Division, producers must ensure both their educational and financial obligations are met before their license expiration date.

Renewal Cycle & Expiration Deadline

In Rhode Island, an Insurance Producer license operates on a renewal cycle of every 2 years. The specific expiration pattern falls on the last day of birth month biennially. Be sure to track your birth month to prevent any unintentional lapse in licensure.

Continuing Education (CE) Requirements

Before submitting a renewal application, producers must satisfy the state's mandatory continuing education guidelines:

• Total Hours Required: 24 hours
• Ethics Requirement: Must include 3 hours of ethics

CE courses must be approved and completed prior to submitting your renewal. It is recommended to complete these hours well in advance so course providers have adequate time to report your credits to the state.

Renewal Fees

The cost to renew your Insurance Producer license in Rhode Island depends on your residency status:

• Resident Producers: $120
• Non-Resident Producers: $130

Step-by-Step Renewal Process

1. Check Your Expiration Date: Confirm your renewal deadline based on the last day of your birth month on your biennial cycle.
2. Complete Required CE: Finish your 24 hours of approved continuing education, ensuring 3 of those hours cover ethics.
3. Submit Renewal Application: Access the state's approved licensing portal to submit your renewal information.
4. Pay the Renewal Fee: Submit the non-refundable renewal fee of $120 (resident) or $130 (non-resident).
5. Verify License Status: Confirm that your license renewal has been processed and updated by the division.

What Happens If You Renew Late?

Allowing your license to expire can result in serious disruptions to your professional practice. In general, operating with an expired license prevents you from legally soliciting, negotiating, or executing insurance contracts. If your license lapses, you may face additional administrative procedures or reinstatement requirements. To avoid complications, ensure your renewal is submitted before your expiration date.

Agency Contact Information

If you have questions regarding your license status, continuing education tracking, or specific application steps, contact the regulator directly:

• Agency: Rhode Island Department of Business Regulation - Insurance Division
• Phone: (401) 462-9520