Part of the expanding PassProfessor catalog: 9,994 questions covering both of Rhode Island’s separate Property and Casualty exams, independently audited. Join the notify list and we will email you when enrollment opens.
What’s included
One bank, built for two exams. Because Rhode Island examines property and casualty separately, a candidate can pass one exam and fail the other — and preparation that blends the two lines into an undifferentiated pile hides exactly the weakness that costs a sitting. This program keeps the two lines distinguishable: drill property content on its own, casualty content on its own, or sit generated practice exams matched to each real exam, as well as combined sessions that rehearse the back-to-back test-center day (see the exam-at-a-glance section below).
Rhode Island law, at Rhode Island depth. Between them, the two real exams put 58 scored questions — 26 on the Property exam and 32 on the Casualty exam — on Rhode Island statutes, rules, and regulations. Our bank holds 2,500 Rhode Island-law questions: the rules common to both lines, the property-only material (the Rhode Island Joint Reinsurance Association — the state’s FAIR Plan — hurricane and windstorm deductibles, lead-poisoning coverage, flood notice requirements), and the casualty-only material (Rhode Island automobile insurance, workers’ compensation, and medical malpractice rules). That is the content national banks cover most thinly, and it is more than a third of each exam’s state section weight.
An explanation on every question. Every one of the 9,994 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. The explanation is the lesson; the question is how you find out you need it.
Practice exams at the real exams’ weights. Each generated practice exam is built fresh for that attempt, weighted to the official Rhode Island outlines — a Property simulation, a Casualty simulation, or a combined session. Questions you have not seen come first, and you never sit the same generated exam twice.
Drills by content area. Work a single content area — policy provisions, types of policies, Rhode Island rules pertinent to casualty only — until the misses stop repeating. Your results break down by content area, so a weak block shows up in your practice data before it shows up on a Pearson VUE score report.
Questions that stay honest. Every item in the program is monitored from real student responses once the program opens. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired.
Built for how Rhode Island actually schedules you. First-time P&C candidates must register for both exams, so the real decision is not whether to take both but how: back-to-back in one test-center session (four hours of testing, one trip, and the buy-one-get-one-free pricing described below), or separately — at a test center on different days, or online through OnVUE at $50 per exam. Each route rewards a different rehearsal. This program supports all of them: per-exam timed simulations for the separate route, and a combined session mode that strings a full Property simulation and a full Casualty simulation together so the back-to-back day holds no surprises. Whichever route you choose, your readiness is reported per exam, because that is how Pearson VUE will report it to you.
Two scores, two readiness checks. There is no such thing as “ready for P&C” in Rhode Island — there is only ready for Property and ready for Casualty, separately. A candidate who is strong on homeowners forms and shaky on workers’ compensation is ready for one exam and not the other, and an undifferentiated practice average would call that candidate ready. Your drill and simulation results in this program are therefore tracked by exam as well as by content area, so the decision of when to book — and, after a failure, what to retake and restudy — is made on the same units the state will use to judge you.
Rhode Island does not license property and casualty producers with one combined exam. It runs two separate Pearson VUE exams — the Property Producer exam (76 scored questions) and the Casualty Producer exam (82 scored questions), each two hours, each passed with a scaled score of 70. PassProfessor’s Rhode Island program is one practice bank that covers both exams: 9,994 original questions, including 2,500 on Rhode Island laws, rules, and regulations, with an explanation on every question and practice exams you can generate for the Property exam, for the Casualty exam, or combined. A free sample comes with the program; the full Rhode Island program will be $29 when enrollment opens.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
The real exams at a glance
Current as of October 2026, per the Pearson VUE Rhode Island Insurance Licensing Candidate Handbook (April 2021, stock #1240-00) and Pearson VUE’s published Rhode Island content outlines. Full detail — eligibility, registration, the background check, retakes, test day — is in our Rhode Island insurance exam guide.
| Property Producer exam (level 03) | Casualty Producer exam (level 04) | |
|---|---|---|
| Administered by | Pearson VUE, for the Rhode Island Department of Business Regulation (DBR), Insurance Division | Pearson VUE, for DBR |
| Scored questions | 76 (50 general knowledge + 26 Rhode Island law) | 82 (50 general knowledge + 32 Rhode Island law) |
| Unscored pretest questions mixed in | Yes — you cannot tell which they are | Yes — you cannot tell which they are |
| Time limit | 2 hours (75 minutes general + 45 minutes state) | 2 hours (75 minutes general + 45 minutes state) |
| Passing standard | Scaled score of 70 (each exam scored as a whole) | Scaled score of 70 (each exam scored as a whole) |
| Exam fee — test center | $80 per exam; the two exams scheduled back-to-back in one test-center session are buy-one-get-one-free — $80 total | Same back-to-back pricing |
| Exam fee — online (OnVUE) | $50 per exam (back-to-back scheduling is not available online, so $100 for both) | $50 per exam |
| License application fee | $120 for a resident producer license, paid through NIPR after you pass (separate from the exam fees; covers the license, not per exam) | — |
Three structural facts candidates routinely get wrong:
- There is no combined Rhode Island P&C exam. Property and Casualty are separate exams with separate scores. You must pass each one for the corresponding line of authority.
- First-time P&C candidates must register for both exams. Pearson VUE’s handbook is explicit on this point. At a test center you may take them back-to-back in one session; online, each is scheduled separately.
- Rhode Island requires no pre-licensing education. DBR does not require — and does not review or approve — pre-licensing courses. You prepare however you choose, pass both exams, complete the state background check, and apply. Preparation is optional in Rhode Island; passing is not.
A scaled score of 70 is not 70%. Pearson VUE converts results to a scaled score (0–100) so different exam forms demand the same knowledge. A passing report reads simply “pass,” with no numeric score; plan to practice comfortably above the line on both exams, not on it.
Test center or online? Both exams are offered at Pearson VUE test centers and online through OnVUE, and the choice changes three practical things. Price: the back-to-back buy-one-get-one-free pricing exists only at test centers, making both exams $80 total there, against $100 for the pair online. Scheduling: back-to-back sittings are test-center only; online, each exam is its own appointment. Language: the Spanish versions of both exams are offered only at test centers (and can be toggled with English during the exam). The content, the two-hour limits, and the scaled-70 standard are identical either way — what changes is logistics, and the exam guide walks through both routes in full.
How the practice maps to the real exams
The bank’s coverage, by content area, counted question by question from the bank itself. Because the bank’s general portions are organized under the national core’s topic headings rather than Rhode Island’s verbatim outline headings, this table uses the bank’s content-area labels; the Rhode Island-law rows are Rhode Island-specific and correspond to the state sections of Pearson VUE’s published Rhode Island outlines (rules common to both lines on both exams, plus a property-only section on the Property exam and a casualty-only section on the Casualty exam).
| Content area (bank topic) | Practice questions |
|---|---|
| Insurance Terms and Related Concepts | 2,249 |
| Types of Policies, Bonds, and Related Terms (casualty side) | 1,724 |
| Types of Policies (property side) | 1,649 |
| Rhode Island Laws, Rules, and Regulations Common to Property and Casualty Insurance | 1,145 |
| Policy Provisions and Contract Law (property side) | 974 |
| Policy Provisions (casualty side) | 898 |
| Rhode Island Laws, Rules, and Regulations Pertinent to Casualty Insurance Only | 803 |
| Rhode Island Laws, Rules, and Regulations Pertinent to Property Insurance Only | 552 |
| Total | 9,994 |
The Rhode Island-law total is 2,500 questions — a quarter of the bank, for state sections that make up 58 of the 158 scored questions across the two real exams.
Read the table the way the exams are built. The general content areas are shared territory: terms and concepts, policy types, and policy provisions appear on both exams, in property form on one and casualty form on the other, which is why the bank carries them as distinct property-side and casualty-side areas rather than merging them. The three Rhode Island-law areas are the opposite — pure state content with no national substitute. The common-rules area (1,145 questions) is the highest-leverage block in the bank because the same body of Rhode Island rules is examined on both tests; the property-only (552) and casualty-only (803) areas are smaller, more specific, and — precisely because national materials skip them — the areas where Rhode Island candidates most often meet questions they have never seen anything like.
How to use it
- Join the notify list today. When enrollment opens, start with free sample questions — a fixed set of Rhode Island questions spanning both exams’ content, with full explanations — enough to see how the program teaches and where you stand.
- Drill the Rhode Island-law areas early. The common rules appear on both exams, so one study block pays off twice; the property-only and casualty-only rules are concrete, memorable material — named Rhode Island institutions, notice rules, deductible rules — that candidates who study only national material never see.
- Drill each exam separately. Sit Property-only and Casualty-only work until each line stands on its own; a combined average can hide a failing line behind a passing one, and Rhode Island scores the exams separately.
- Sit generated exams the way you will test. If you plan to take both exams back-to-back at a test center, rehearse a combined session at full length — 158 scored questions across two two-hour sittings is an endurance exercise as much as a knowledge one. If you will test online, rehearse each exam on its own clock.
- Book both exams through Pearson VUE when your per-exam practice scores sit comfortably above passing — first-time P&C candidates register for both — then complete the background-check and application steps in the exam guide.
Pricing
$29 — the full Rhode Island program, when enrollment opens. All 9,994 questions covering both the Property and the Casualty exams, every explanation, unlimited fresh practice exams and content-area drills. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95; Kaplan’s standalone InsurancePro QBank starts at $69; WebCE’s Rhode Island P&C exam-prep package runs $109.95 — in a state that requires no course at all. This program is the practice itself, for both exams, priced below every one of them.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Frequently asked questions
How many questions are on the Rhode Island P&C exams?
There are two exams, not one. The Property Producer exam has 76 scored questions (50 general knowledge + 26 Rhode Island law); the Casualty Producer exam has 82 scored questions (50 general knowledge + 32 Rhode Island law). Each also mixes in unscored pretest questions you cannot identify, and each allows two hours. Treat every question as if it counts, because you cannot tell which ones do not.
Is there a combined Property and Casualty exam in Rhode Island?
No. Rhode Island licenses Property and Casualty as separate lines of authority with separate Pearson VUE exams and separate scores. First-time P&C candidates must register for both exams, and at a test center they may be taken back-to-back in one session — but they remain two exams, and you must pass each. Our program is a single practice bank covering both, with practice exams generated per exam as well as combined.
What score do I need to pass the Rhode Island exams?
A scaled score of 70 on each exam. Each exam is scored as a whole — the general and state sections combine into one scaled score — and scaled scores are adjusted across exam forms so every version demands the same knowledge, which means 70 is not the same as 70% correct. A passing score report reads “pass” and reports no numeric score.
Does Rhode Island require pre-licensing education?
No. Rhode Island does not require pre-licensing education for a producer license, and DBR states that it does not review or approve pre-licensing education courses. You may prepare however you choose, take the Pearson VUE exams, and then apply.
How much do the Rhode Island exams cost?
At a test center, each exam is $80 — but the Property and Casualty exams scheduled back-to-back in one test-center session are buy-one-get-one-free, so both exams cost $80 total that way. Online through OnVUE, each exam is $50 and back-to-back scheduling is not available, so both exams cost $100 online. Fees are paid to Pearson VUE at reservation and are non-refundable and non-transferable. The license itself is a separate payment: a resident producer license application through NIPR is $120, paid after you pass.
Who administers the Rhode Island insurance exams?
Pearson VUE administers them for the Rhode Island Department of Business Regulation, Insurance Division. You reserve on Pearson VUE’s Rhode Island insurance page or by calling (800) 274-3739, at least 24 hours ahead, and you may test at a Pearson VUE test center or online through OnVUE. Spanish versions of both exams are available at test centers.
What do I do after I pass?
Wait 3–5 business days for your results to load into the electronic database, obtain a B.C.I. background check from the Rhode Island Attorney General, and apply for your license at NIPR within one year of passing. Email your B.C.I. to DBR with your NIPR transaction number. Rhode Island resident producers must also carry errors and omissions insurance, though proof is not filed with DBR.
What happens if I fail one exam?
You retake the exam you failed — the exams are separate, so a pass on the other one stands. You must wait 24 hours before making a retake reservation, and the exam fee applies to each attempt. A failing score report carries diagnostic information on the general section, and your practice data here breaks down by the same content areas, so a retake plan can target what cost you.
How long are my passing scores good for?
DBR gives you up to one year after passing to apply for your license. Apply inside that window; the application searches for your passing exam automatically once the result has loaded.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to the published Rhode Island content outlines and Rhode Island insurance law. We never use real exam questions, recalled questions, or another provider’s bank — and using actual exam content would violate the candidate rules you agree to when you test.
Does this program count as pre-licensing education?
Rhode Island requires no pre-licensing education for this license, and this program is exam preparation only — it provides no education credit in any state. It exists to prepare you for the two exams themselves.
Why does the Rhode Island-law part get its own drills?
Because it is 58 of the 158 scored questions across the two exams, the common-rules section is tested twice (once on each exam), and it is the part national study materials cover thinnest. Rhode Island tests its own institutions and rules — the Joint Reinsurance Association (the RI FAIR Plan), the Property & Casualty Insurance Guaranty Association, hurricane and windstorm deductibles, lead-poisoning coverage, workers’ compensation and medical malpractice rules. Our bank holds 2,500 Rhode Island-law questions so those sections can be drilled on their own until they are the easiest part of both exams.
When can I enroll in the Rhode Island program?
Enrollment for this program opens as the catalog expands. Join the notify list on this page and we will email you when enrollment opens.
Disclaimer
PassProfessor is an independent exam-preparation provider. This program is exam preparation only: it is not pre-licensing education, provides no education credit, and is not affiliated with the Rhode Island Department of Business Regulation, Pearson VUE, or any state agency or exam vendor. All practice questions are original, written to the published exam outlines; they are not actual exam questions.