Rhode Island Term and Universal Life Insurance

Rhode Island Life Insurance Resources

Life insurance is a contract between you and an insurance company and is a way to protect your family in case of your death, by providing funds to pay outstanding bills, taxes and income loss. Under a Term Life contract, the insurance company promises to pay your beneficiaries a sum of money in the event that you die within a period of time defined in the contract (such as 5, 10, 15, 20 or 30 years). Under a Permanent Life contract, a portion of the money you pay in premiums is invested in a fund that earns interest on a tax-deferred basis. Over time, your policy will accumulate a “cash value” that you can use. For instance, you can borrow against the value of your policy. Moreover, you can design a Permanent Life contract that will accumulate enough cash so as to be “paid up” by a certain age (e.g., “Paid Up Age 65”). To learn more, you can get Rhode Island Term and Universal Life Insurance.

Rhode Island Department of Insurance The state insurance department website includes consumer and licensee resources including a listing of all licensed life insurance agents and companies which make up the Rhode Island Life insurance market.

Rhode Island Life Insurance Guaranty Association The state life insurance guaranty association works to guarantee the safety of all Rhode Island Life Insurance coverage, even in the face of an insolvency by a member life insurance company.


Rhode Island Life Insurance Company Ratings AM Best is the most prominent ratings company reviewing Rhode Island Life Insurance Companies based on their ability to pay claims. At Life Insurance.Net we work only with A and A+ rated life insurance companies..

Here is a complete list of the State Departments of Insurance

Learn more about our wonderful state. Check out Netstate’s Rhode Island State Almanac
Our life insurance agents service all communities in Rhode Island including:

  • Providence
  • Warwick
  • Cranston
  • Pawtucket
  • East Providence

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