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Rhode Island license lookup

How to check an insurance agent's license in Rhode Island

Before you share your Medicare number or sign anything, take two minutes to confirm the agent is licensed in Rhode Island. Here's where to look, and what you should see.

Last reviewed October 26, 2026. General information, not advice about any plan.

Look the agent up in Rhode Island

  1. Ask for their full name and NPN

    Every licensed agent has a National Producer Number. A real agent will give it to you without hesitation.

  2. Open the Rhode Island Department of Business Regulation, Insurance Division's license lookup

    Rhode Island agent license lookup. Rhode Island uses the national lookup run by NAIC, the association of state insurance regulators. Choose Rhode Island as the jurisdiction, "Licensee" as the search type and "Individual" as the entity type, then accept the terms and search.

  3. Check four things

    The status is active, the license is for Rhode Island (resident or nonresident), it includes a health line of authority (in Rhode Island it's listed as "Accident and Health or Sickness"), and it hasn't expired.
Agents with our Verified badge have had these checks done by a person on our team, against the state's own records, and the badge shows the date. How we verify

What the results mean

Active
The license is current. This is what you want to see.
Inactive, expired or lapsed
The agent can't legally sell insurance in the state right now. Don't enroll through them.
Resident or nonresident
Resident means their home office is in Rhode Island. Nonresident means they're based in another state and licensed to work here. Both are fine.
Line of authority
The kinds of insurance they can sell. For Medicare plans, look for Accident and Health or Sickness. Life-only isn't enough.
Regulatory or disciplinary actions
Some lookups list fines or other actions. One old, small action may not mean much; several, or a revoked license, is a reason to look elsewhere.

Extra steps for Medicare plans

A state license is the first check. For Medicare plans, two more things apply:

  • Appointment: the agent must be appointed by the insurance company whose plan you're choosing. Ask which companies they represent in Rhode Island.
  • Yearly certification: agents who sell Medicare Advantage and Part D drug plans must complete each plan's training and testing every year.

Agents who sell for more than one company must also tell you, before discussing any plan's benefits, how many companies and plans they represent in your area. None of them works for Medicare.

Switching Medigap plans in Rhode Island

Yearly window. Each year from October 15 to December 7, if you've had Medigap or Medicare Advantage with no gap of more than 90 days, you can buy any available Medigap plan with no health questions.

This applies to people who already have a Medicare Supplement policy. See every state's Medigap switching rule.

Medigap if you're under 65 in Rhode Island

Required, with limits. Rhode Island companies must sell Plan A only to people under 65 on Medicare because of a disability or ESRD if they apply within the first 6 months after first becoming eligible for Part B, with no medical underwriting; at 65 they get a 6-month window to buy any plan.

Price: No special under-65 rate rule; rates are approved by the state.

If you have Part B when you turn 65, you get a new 6-month Medigap open enrollment then. See every state's rule for people under 65.

If something looks wrong

Free, unbiased help in Rhode Island: SHIP

Every state has a free Medicare counseling program. In Rhode Island it's the Rhode Island State Health Insurance Assistance Program (SHIP). Its counselors are trained, don't sell anything, and can help you compare your options or check what an agent told you, for free.

Free help that isn't an agent

Medicare.gov, 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048), or Rhode Island State Health Insurance Assistance Program (SHIP) at 1-888-884-8721.

Common questions

What license does an agent need to sell Medicare plans in Rhode Island?

A Rhode Island insurance license with a health line of authority (often called "Accident & Health" or "Health"). To sell a particular company's plans, the agent must also be appointed by that company, and agents who sell Medicare Advantage or Part D plans must complete the plan's training and testing every year.

Can an agent from another state help me in Rhode Island?

Yes, if they hold a Rhode Island license. Agents based elsewhere get a "nonresident" license for each state they work in. It shows up in the Rhode Island Department of Business Regulation, Insurance Division's lookup the same way, marked nonresident.

Does it cost anything to check a license?

No. The lookup is free and open to the public, and you don't need an account.

What if I can't find the agent?

Check the spelling, try their National Producer Number (NPN) instead of their name, and ask whether their license is under a different legal name. If you still can't find an active license, don't share your Medicare number or sign anything, and contact the Rhode Island Department of Business Regulation, Insurance Division.

Nearby states

Agents often work across state lines. Check that they're licensed in the state where you live.

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