Key Takeaways
- Montana does NOT require pre-licensing education for Life & Health insurance - one of the few states with no educational requirements
- The exam is administered by Pearson VUE with a 75% passing score required
- Montana requires fingerprinting and a background check before licensure
- License renewal requires 24 hours of CE every 2 years, including 3 hours of ethics and 1 hour of legislative changes
- The Montana Commissioner of Securities and Insurance (CSI) regulates insurance in the state
Montana Life & Health Exam Overview
Welcome to OpenExamPrep's FREE Montana Life & Health Insurance exam prep guide. This comprehensive resource covers Montana-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam and begin your career as a licensed Life & Health producer.
About the Montana L&H Exam
The Montana Life & Health insurance examination is administered by Pearson VUE on behalf of the Montana Commissioner of Securities and Insurance (CSI). The exam tests your knowledge of:
- Montana insurance law and regulations
- Life insurance principles and policy types
- Annuities and retirement products
- Health insurance including accident and sickness coverage
- Policy provisions and beneficiary designations
- Ethics and professional conduct
Exam Structure
| Exam Component | Life | Health | Combined Life & Health |
|---|---|---|---|
| Testing Provider | Pearson VUE | Pearson VUE | Pearson VUE |
| Total Questions | 102 (92 scored + 10 pretest) | 102 (92 scored + 10 pretest) | 150+ |
| Time Limit | 135 minutes | 135 minutes | ~180 minutes |
| Passing Score | 75% | 75% | 75% |
| Exam Fee | ~$65 | ~$65 | ~$65 |
Important: Montana requires a 75% passing score, which is higher than the typical 70% in many states. Thorough preparation is essential.
Pre-Licensing Education Requirements
No Pre-Licensing Education Required
Montana is one of the few states that does NOT require pre-licensing education:
| Requirement | Details |
|---|---|
| Pre-License Hours | None required |
| Recommendation | Study courses highly recommended |
| Why Study? | Higher passing score (75%) makes preparation essential |
Important: Although Montana doesn't require pre-licensing education, the 75% passing score means thorough preparation is crucial. Most successful candidates complete an exam prep course.
Basic Qualifications
To obtain a Montana insurance license, you must:
| Requirement | Details |
|---|---|
| Age | At least 18 years old |
| Residency | Montana resident for resident license |
| Exam | Pass the state licensing exam |
| Background Check | Fingerprinting required |
License Application Process
Step-by-Step Process
-
Prepare for the Exam
- Complete recommended study course
- Review Montana insurance law
- Take practice exams
-
Schedule Your Exam
- Register with Pearson VUE online or by phone: (800) 274-8906
- Pay exam fee
- Schedule at least 24 hours in advance
-
Complete Fingerprinting
- Required for all Montana insurance license applicants
- Can be completed at Pearson VUE testing center
- Complete Applicant Rights and Consent to Fingerprint Form
- Fingerprints submitted to Montana Department of Justice
-
Take the Exam
- Arrive 30 minutes early
- Bring valid government-issued photo ID
- Pass with 75% or higher
-
Apply for License
- Apply online through NIPR
- Pay application fee
- Await background check results
- Receive license from Montana CSI
Total Costs
| Item | Cost |
|---|---|
| Exam Prep Course (recommended) | $150 - $350 |
| Exam Fee | ~$65 |
| Fingerprinting Fee | ~$30-50 |
| License Application Fee | Varies |
| TOTAL | ~$250 - $500 |
License Maintenance & Continuing Education
CE Requirements
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics | 3 hours required |
| Legislative Changes | 1 hour of Montana-specific legislative changes required |
| Renewal Cycle | Biennial, based on birth month |
| Renewal Fee | None (free renewal) |
CE Reporting
- State requires reporting within 30 days of completion
- $1.00 per credit hour reporting fee
- No carryover of excess hours allowed
- Courses cannot be repeated within 2-year period
Special Training Requirements
| Training | Requirement |
|---|---|
| Annuity Best Interest | One-time 4-hour course (producers licensed after October 2, 2021) |
| Long-Term Care Initial | 8-hour certification before selling LTC products |
| Long-Term Care Ongoing | 4-hour training every 24 months |
Non-Resident Exemptions
Non-resident producers who have completed CE requirements in their home state are NOT subject to Montana CE requirements, provided they remain in good standing.
Montana Commissioner of Securities and Insurance
Contact Information
| Resource | Details |
|---|---|
| Office Name | Montana Commissioner of Securities and Insurance (CSI) |
| Address | 840 Helena Avenue, Licensing Division, Helena, MT 59601 |
| Phone | (406) 444-2040 |
| Website | csimt.gov |
Testing Information
Pearson VUE
- Website: www.pearsonvue.com
- Phone: (800) 274-8906
- Online scheduling available 24/7
- Remote proctored testing available
What This Guide Covers
This FREE study guide focuses on Montana state-specific content:
Chapter 1: Montana Insurance Regulation & Licensing
- Commissioner of Securities and Insurance structure
- Producer licensing requirements
- Ethics and professional responsibilities
- Prohibited practices and disciplinary actions
Chapter 2: Montana Life Insurance Regulations
- Life insurance policy requirements
- Standard policy provisions
- Montana Life & Health Insurance Guaranty Association
- Replacement regulations
Chapter 3: Montana Health Insurance Regulations
- Health insurance requirements
- Individual and group health coverage
- Montana Health Insurance Pool (high-risk pool)
- Long-term care insurance
Chapter 4: Montana Ethics & Consumer Protection
- Agent and producer duties
- Unfair trade practices
- Claims handling standards
- Consumer protection laws
national Life & Health exam preparationFree exam prep with practice questions & AI tutor
Study Tips for Success
Recommended Study Timeline
| Week | Focus | Hours |
|---|---|---|
| Week 1 | National L&H principles (if not completed) | 15-20 hours |
| Week 2 | Exam prep course (highly recommended) | 20-30 hours |
| Week 3 | Montana state law (this guide) | 10-15 hours |
| Week 4 | Practice exams and review | 10-15 hours |
| TOTAL | 55-80 hours |
Key Montana Facts to Remember
- Passing Score: 75% (higher than most states)
- Pre-License Education: NOT required
- Fingerprinting: REQUIRED before licensure
- CE: 24 hours/2 years (3 ethics + 1 legislative changes)
- Renewal Fee: None (free)
Good luck on your exam!
Does Montana require pre-licensing education for Life & Health insurance licenses?
What is the passing score for the Montana Life & Health insurance exam?
What unique requirement does Montana have for insurance license applicants?
How many hours of continuing education does Montana require every 2 years?
Which agency regulates insurance in Montana?