Policy types sold in Rhode Island
The main kinds of life insurance are sold across the country, though the specific products, age limits and prices in Rhode Island depend on which insurers have filed them here.
Who regulates insurance in Rhode Island
Life insurers and agents in Rhode Island are overseen by the Rhode Island Department of Business Regulation, Insurance Division. You can use it to confirm that an agent or company is licensed, look up complaint records and file a complaint. The National Association of Insurance Commissioners keeps a directory of state insurance departments (opens in a new tab).
Before you buy in Rhode Island
- Confirm the agent is licensed in Rhode Island.
- Ask about the free-look period. States require insurers to let you cancel a new policy for a refund within a set number of days, and your policy states the exact period.
- Ask whether the premium is fixed and whether the death benefit can ever decrease.
- Ask whether the policy has a waiting period. Here is how graded benefits work.
- Read the policy when it arrives and keep a copy where your beneficiary can find it.
How Get Life Quotes Today works in Rhode Island
We are a marketing service, not an insurer or agency. When you call, we route you to a third-party licensed agent who serves Rhode Island. If no partner is available for your state at that time, your call may not be connected. What to expect when you call.
Common questions
Who regulates life insurance in Rhode Island?
The Rhode Island Department of Business Regulation, Insurance Division. It licenses insurers and agents that do business in Rhode Island and handles consumer complaints.
Will the agent I speak with be licensed in Rhode Island?
Agents must hold a license for the state where the applicant lives. Ask the agent for their name and license number, and verify it with the Rhode Island Department of Business Regulation, Insurance Division.
Is every type of policy available in Rhode Island?
No. Each insurer decides which products to file in each state, so availability, age limits and pricing in Rhode Island depend on the insurer.