Rhode Island Life Insurance | RI Life Insurance Quotes
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in…
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Written by
Rachael Brennan
Licensed Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
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Reviewed by
Benji Carr
Former Licensed Life Insurance Agent
UPDATED: Apr 21, 2022
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We offer Rhode Island residents life insurance from several of the best RI life insurance companies. Life insurance is very similar from state to state, with a few exceptions, so expect some variance with your Rhode Island life insurance rates.
However, this guide should help you understand the differences in Rhode Island life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Rhode Island.
Before we dive into this guide, find affordable Rhode Island life insurance rates by clicking on our FREE quote tool above. Get started now.
Rhode Island Life Insurance Quotes
We offer Rhode Island residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.
Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies and then approved by the State Insurance Department.
Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.
Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.
Rhode Island life insurance also offers residents a 10-day free look period and timely payment of the death benefit within 30 days.
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Life Insurance Rates in Rhode Island
To give you an idea of what Rhode Island life insurance rates look like, you can check out the chart below to see what the top companies charge based on age, marital status, and gender for both smokers and non-smokers.
Keep in mind that your Rhode Island life insurance quotes may be different, especially depending on which type of Rhode Island life insurance policy you choose.
In this next chart, you can also see how many Rhode Island life insurance companies there are in comparison to other northeastern states.
As you can see in the above chart, Rhode Island is home to two life insurance companies that operate specifically in the state. However, you still have options. Get access to the best Rhode Island life insurance with our free comparison tool on this page to save money.
Rhode Island Guaranty Association
State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance, and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.
In Rhode Island, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.
Rhode Island Life Insurance Contacts
Here is a list of all the necessary state contacts for residents with Rhode Island life insurance claims and other related matters.
Guaranty Association
If you need information about the Rhode Island insurance guaranty for life insurance or health insurance, contact the Rhode Island Life & Health Insurance Guaranty Association at 1-401-273-2921 or visit the website.
Insurance Department
For the latest updates from the Rhode Island Department of Insurance, contact the Rhode Island Department of Business Regulation, you can give them a call at 1-800-467-8725 or visit the website.
Here, you can find out everything you need to know from “who is the Rhode Island insurance commissioner” to the most up-to-date Rhode Island Department of Insurance bulletins to the latest Rhode Island insurance laws.
You can also access the RI Department of Insurance license lookup, which includes a life insurance license lookup for your Rhode Island life coverage.
Legal Info
The licensed company principal is Tim Bain, Agent License Number 1081434.
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Rhode Island Life Insurance Companies
American General Life Insurance Company
Banner Life Insurance Company
Fidelity Life Association
Haven Life / MassMutual
John Hancock Life Insurance Company
Lincoln National Life Insurance Company
Metlife Life Insurance Company
North American Company for Life & Health Insurance
Pacific Life & Annuity Company
Principal Life Insurance Company
Protective Life Insurance Company
Pruco Life Insurance Company (Prudential)
Sagicor Life Insurance Company
The Savings Bank Life Insurance Company of Massachusetts (SBLI)
Transamerica Life Insurance Company
United of Omaha Life Insurance Company
Don’t wait — Use our free quote tool to get affordable life insurance rates in Rhode Island. Get started now.
