Montana Life & Health Insurance License Exam Overview
The Montana Life & Health Insurance License Exam is administered by Pearson VUE on behalf of the Montana Commissioner of Securities and Insurance (CSI). Montana offers unique opportunities serving rural communities and growing urban areas.
Exam Format at a Glance
| Component | Details |
|---|---|
| Life Exam Questions | 103 multiple-choice |
| Health Exam Questions | 110 multiple-choice |
| Time Limit | Life: 2 hours; Health: 2 hr 15 min |
| Passing Score | 75% |
| Testing Vendor | Pearson VUE |
| Exam Fee | $59 per exam |
| Pre-licensing Education | Not required |
Why Get Licensed in Montana?
- No pre-licensing — Start studying immediately
- Growing population — Expansion opportunities
- Rural communities — Underserved markets
- Outdoor lifestyle — Unique insurance needs
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Key Topics Covered
Life Insurance (30%)
| Feature | Montana Standard |
|---|---|
| Grace Period | 30 days |
| Incontestability | 2 years |
| Free Look | 10 days (varies by insurer) |
Health Insurance (30%)
- Healthcare.gov (federal marketplace)
- Montana Medicaid
- CHIP (Healthy Montana Kids)
Montana Insurance Regulations (15%)
- Montana Code Annotated Title 33
- CSI authority
| Topic | Montana Requirement |
|---|---|
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years |
| Passing score | 75% |
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