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Rhode Island (RI)


Annuity Information

Rhode Island Department of Busuniness Regulation - Insurance Division

The Insurance Division is responsible for conducting financial examinations of domestic insurance companies to ensure financial solvency and market conduct examinations of domestic or foreign insurance companies to ensure compliance with the insurance statutes and regulations.

Insurance Division Objectives:

To monitor effectively the financial condition and market conduct activities of insurance companies licensed to do business in the State of Rhode Island.

To monitor activities of all licensees such as producers, adjusters and appraisers.

To ensure consumer access to an equitable insurance market and respond to consumer inquiries and complaints.

To maintain accreditation by the National Association of Insurance Commissioners.


Elizabeth Kelleher Dwyer was appointed Deputy Director and Superintendent of Insurance and Banking on January 11, 2016. Prior to this appointment, she had been employed by the Rhode Island Department of Business Regulation for 15 years, first as General Counsel to the Insurance Division and later as Associate Director. Prior to government service, Dwyer was engaged in private law practice in California and Rhode Island, specializing in insurance regulation and litigation.

Dwyer is a past president of the Rhode Island Women’s Bar Association and served on the Rhode Island Supreme Court Advisory Committee on Gender in the Courts. In 2010, she was awarded the Rhode Island Attorney General’s Justice Award for Consumer Protection. She has served as chair of a number of NAIC working groups and has achieved the designation of Professional in Insurance Regulation from the NAIC.

Rhode Island Annuity Resources: The Rhode Island Insurance Division is part of the U.S. insurance regulatory framework which is a highly coordinated state-based national system designed to protect policyholders and to serve the greater public interest through the effective regulation of the U.S. insurance marketplace. Through the National Association of Insurance Commissioners (NAIC), insurance regulators establish national standards and best practices, conduct peer reviews and coordinate their regulatory oversight to better protect the interests of consumers while ensuring a strong, viable insurance marketplace. U.S. insurance regulators also participate in the International Association of Insurance Supervisors (IAIS) along with the NAIC by participating in major standard setting initiatives, including working with fellow regulators from around the world to better supervise cross-border insurers, identifying systemic risk in the insurance sector, and creating international best practices.


Capital: Providence
State Commissioner: Elizabeth Kelleher Dwyer
Insurance Hotline: (401) 462-9520
Annuity Guarantee Limit: $300,000
Website: http://www.dbr.state.ri.us/divisions/insurance/
Guarantee Assoc: http://www.rilifega.org/

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