Rhode Island Life Insurance | RI Life Insurance Quotes

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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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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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Benji Carr


Former Licensed Life Insurance Agent

Benji Carr

UPDATED: Apr 21, 2022

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

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.

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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.

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Rhode Island life insurance also offers residents a 10-day free look period and timely payment of the death benefit within 30 days.

Your life insurance quotes are always free.

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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.

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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.