Rhode Island’s life insurance laws are governed by Chapter 27 of the Rhode Island Code.
- 20-day free look period (RI Gen. Laws 27-4-6.1)
- 31-day grace period (RI 27-4-6.2)
- Interest starts accruing on death benefit payments upon the death of the insured person (RI 27-4-26)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, South Carolina’s life insurance laws and South Dakota’s life insurance laws are nearly identical to those of Rhode Island).
How Much Is A $10,000 Whole Life Policy In Rhode Island?
The table below shows the rates by age of $10,000 of whole life insurance in Rhode Island.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.27 | $16.78 | $13.72 | $16.02 |
| 25 | $16.46 | $18.12 | $15.65 | $17.41 |
| 30 | $17.31 | $19.78 | $16.49 | $18.51 |
| 35 | $19.14 | $21.81 | $17.28 | $20.93 |
| 40 | $21.07 | $25.10 | $19.85 | $23.22 |
| 45 | $23.59 | $29.40 | $22.75 | $27.33 |
| 50 | $27.78 | $33.99 | $24.68 | $31.47 |
| 55 | $32.62 | $39.60 | $27.96 | $36.92 |
| 60 | $39.32 | $47.65 | $33.65 | $42.36 |
| 65 | $48.52 | $57.98 | $41.24 | $50.08 |
| 70 | $60.01 | $71.43 | $52.90 | $60.10 |
| 75 | $98.08 | $132.73 | $71.57 | $94.96 |
| 80 | $135.08 | $182.44 | $97.65 | $135.43 |
| 85 | $188.26 | $257.74 | $132.35 | $193.34 |
You Won't Find A Lower Rate
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Best Life Assurance In Pawtucket
Nestled in the heart of Providence County, Pawtucket, Rhode Island, is a vibrant city brimming with cultural heritage and innovation. Known for its pivotal role in the American Industrial Revolution, Pawtucket proudly houses the Slater Mill Historic Site, a tribute to its deep manufacturing roots. Today, the city harmoniously blends its historic charm with modern creativity, evidenced through its thriving arts community, dynamic festivals, and diverse culinary scene. Home to McCoy Stadium and the awe-inspiring Blackstone River Valley, Pawtucket offers both residents and visitors a rich tapestry of experiences, from engaging in sports and outdoor activities to exploring unique local crafts and galleries. With its convenient location near the Massachusetts border and Providence, Pawtucket serves as a bustling hub of activity and an inviting haven of opportunity and heritage.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Farm Family Life Insurance Co | 3 Putnam Pike | +14019495551 |
| Quality Insurance RI | 900 Park Ave | +14017811719 |
| Sandra Scavello at Comparion Insurance Agency | 1000 Chapel View Blvd Suite 128 | +18603831521 |
| Jennifer Bergeron at Comparion Insurance Agency | 1000 Chapel View Blvd Suite 128 | +14018241106 |
| American Income Life Insurance Company: Francisco Perez | 1270 Mineral Spring Ave #15 | +14012344700 |
| Smith Insurance Group | 664 Armistice Blvd | +14017241660 |
| Shove Insurance | 100 Armistice Blvd | +14017530055 |
| Smile Insurance Agency RI | 1401 Newport Ave | +15086439319 |
| General Insurance LLC | 96 E Providence Secondary Trac | +14013348425 |
| Prime Insurance Agency RI | 140 Power Rd #201 | +14017240188 |
| Garcia Insurance Agency | 10 Summer St Unit 1 | +14017291336 |
| Bright Insurance Agency | 1401 Newport Ave | +14017272050 |
| New Insurance Group | 10 Orms St # 410 | +14012768786 |
| Jabriel James, Bankers Life Agent | 475 Kilvert St Ste 210 | +14017325213 |
Best Coverage In Cranston
Cranston, located in the heart of Rhode Island, is the state’s third-largest city, characterized by its vibrant communities and rich historical heritage. Boasting a unique mix of urban and suburban living, Cranston offers residents and visitors a diverse array of experiences, from scenic parks and recreational areas to bustling shopping districts. Known for its excellent schools, thriving arts scene, and community-oriented atmosphere, Cranston presents an ideal blend of convenience, culture, and quality of life. With its easy access to Providence and scenic waterfronts, Cranston is a dynamic city that combines the charm of New England living with the benefits of modern innovation and development.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Galaxy Insurance Service RI | 811 RI-12 | +14012700639 |
| ABZ Insurance Agency, Inc | 1107 Pontiac Ave | +14019427401 |
| PROVTRUST INSURANCE GROUP | 1300 Park Ave | +14015339833 |
| Peerless Beauty Insurance | 908 Reservoir Ave STE 4 | +14019444470 |
| Quality Insurance RI | 900 Park Ave | +14017811719 |
| Plus Insurance RI | 2220 Plainfield Pike # 100 | +14019441890 |
| Jeffrey S Sock – Aflac Insurance Agent | 1036 Narragansett Blvd | +14015786286 |
| Find Best Insurance CO | 1210 Pontiac Ave | +18003080374 |
| Comparion Insurance Agency | 1000 Chapel View Blvd Suite 128 | +14019468600 |
| Marcus Alves at Comparion Insurance Agency | 1000 Chapel View Blvd Suite 128 | +14018241105 |
| Jennifer Bergeron at Comparion Insurance Agency | 1000 Chapel View Blvd Suite 128 | +14018241106 |
| Lisa McMahon, Bankers Life Agent | 475 Kilvert St Ste 210 | +14017325213 |
| Wise Insurance RI | 875 Centerville Rd | +14018282090 |
| Jabriel James, Bankers Life Agent | 475 Kilvert St Ste 210 | +14017325213 |
You Won't Find A Lower Rate
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You never know what battles people may be fighting.
Best Policies In East Providence
East Providence is a charming city nestled in Providence County, Rhode Island, exhibiting a perfect blend of suburban tranquility and urban accessibility. Boasting a rich historical background, East Providence is adorned with scenic parks, diverse communities, and vibrant waterfront areas along the Seekonk River. It serves as a serene residential haven while providing residents with convenient access to the bustling energy of downtown Providence. East Providence is celebrated for its excellent schools, friendly neighborhoods, and a wide array of local amenities, including shopping, dining, and cultural events, making it an attractive destination for both families and professionals seeking a balanced lifestyle.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Sandra Scavello at Comparion Insurance Agency | 1000 Chapel View Blvd Suite 128 | +18603831521 |
| Jennifer Bergeron at Comparion Insurance Agency | 1000 Chapel View Blvd Suite 128 | +14018241106 |
| Strong Insurance Service RI | 896 Broadway | +14014346990 |
| Constant Insurance RI | 450 Veterans Memorial Pkwy | +14014319883 |
| Shannon Agency | 400 Massasoit Ave STE 104 | +18883476330 |
| Eagle Insurance | 75 Newman Ave Suite L1 | +14013005677 |
| Thompson Insurance Group | 940 Waterman Ave | +14014347203 |
| Correia Insurance | 84 N Carpenter St | +14013324028 |
| Preserve Insurance LLC | 1232 Mineral Spring Ave #1 | +14017226500 |
| G & L Insurance Associates Inc | 963 Charles St | +14017271683 |
| General Insurance LLC | 96 E Providence Secondary Trac | +14013348425 |
| New York Life/Sasha Cesen | 10 Orms St | +14012767490 |
| Premier Insurance RI | 72 Jewett St | +14012973597 |
| Valid Insurance Agency | 500 S Main St | +18334018483 |
| Jabriel James, Bankers Life Agent | 475 Kilvert St Ste 210 | +14017325213 |
Best Life Cover In Providence
Providence, the vibrant capital of Rhode Island, offers a unique blend of historic charm and modern innovation. Renowned for its prestigious academic institutions, including the Ivy League Brown University and the pioneering Rhode Island School of Design, Providence is an intellectual hub that fosters creativity and discovery. The city’s picturesque streets are lined with beautifully preserved architecture, offering a glimpse into America’s rich colonial past. Providence also boasts an eclectic dining scene, with an impressive array of international cuisines that reflect its diverse population. With its flourishing arts community, bustling commercial districts, and tranquil waterfront parks, Providence harmoniously blends tradition with progress, making it a captivating destination for travelers and a cherished home for residents.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Jennifer Bergeron at Comparion Insurance Agency | 1000 Chapel View Blvd Suite 128 | +14018241106 |
| Correia Insurance | 84 N Carpenter St | +14013324028 |
| More Secured Insurance RI | 1529 Mineral Spring Ave | +14013539300 |
| Preserve Insurance LLC | 1232 Mineral Spring Ave #1 | +14017226500 |
| G & L Insurance Associates Inc | 963 Charles St | +14017271683 |
| American Income Life Insurance Company: Francisco Perez | 1270 Mineral Spring Ave #15 | +14012344700 |
| General Insurance LLC | 96 E Providence Secondary Trac | +14013348425 |
| Meridien Benefits Group Inc | 10 Dorrance St # 524 | +14012727070 |
| Brewster & Shuster Associates | 150 Chestnut St #25 | +14012748770 |
| Valid Insurance Agency | 500 S Main St | +18334018483 |
| New York Life/Sasha Cesen | 10 Orms St | +14012767490 |
| Premier Insurance RI | 72 Jewett St | +14012973597 |
Best Life Insurance In Warwick
Warwick, a picturesque city nestled in the heart of England, is renowned for its rich history and majestic architecture. Home to the magnificent Warwick Castle, which stands as a testament to medieval grandeur, this city attracts visitors from all corners of the globe. Warwick’s charming streets are lined with historic buildings, each telling a story of the city’s vibrant past. Beyond its historical allure, Warwick offers a lively cultural scene, with a plethora of shops, cafes, and galleries, alongside serene parks and gardens. This city seamlessly blends its historical heritage with contemporary living, making it a must-visit destination for history buffs, culture enthusiasts, and nature lovers alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Sandra Scavello at Comparion Insurance Agency | 1000 Chapel View Blvd Suite 128 | +18603831521 |
| Jennifer Bergeron at Comparion Insurance Agency | 1000 Chapel View Blvd Suite 128 | +14018241106 |
| Healthwise65 | 275 W Natick Rd Suite 450 | +14015580381 |
| Wise Insurance RI | 875 Centerville Rd | +14018282090 |
| Weight Insurance | 1865 Post Rd #201 | +14017383445 |
| Bob @ Bankers Life | 475 Kilvert St Building A, Suite 210 | +14012870671 |
| Northwestern Mutual Life Insurance | 70 Jefferson Blvd # 200 | +14014617776 |
| Jabriel James, Bankers Life Agent | 475 Kilvert St Ste 210 | +14017325213 |
| Metlife: Lipsitz Anne | 700 Quaker Ln | +14018273986 |
| Lisa McMahon, Bankers Life Agent | 475 Kilvert St Ste 210 | +14017325213 |
| Shannon White, Bankers Life Agent | 475 Kilvert St Ste 210 | +14017325213 |
| Prudential | Scott Cordischi | Life Insurance & Annuities | 333 Centerville Rd | +14018642227 |
| MetLife: Vitacca Nick | 312 Cowesett Ave | +14012230399 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Top Life Insurance Companies In Rhode Island
For the residents of the great state of Rhode Island, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
“Immediate Solution” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
“Living Promise” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
