200+ Free MT Life & Health Practice Questions
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Key Facts: MT Life & Health Exam
178
Total Scored Questions
MT Pearson VUE outlines (Life + Disability)
198
Delivered Questions
Includes pretest items across both tracks
75
Passing Standard
Montana licensing guidance
$65
Fee Per Exam
Montana candidate handbook
24 CE
Biennial CE Requirement
Montana producer licensing guidance
Mar 2, 2026
Current Outline Effective Date
Montana content outline update
Montana candidates usually complete both life and disability tracks: Life (50 scored general + 36 scored state) and Disability (50 scored general + 42 scored state). Exam reservations are $65 per track, passing requires a 75 scaled score on required sections, and producer maintenance requires 24 CE hours every 2 years including 3 ethics and 1 hour on Montana law/rule changes.
About the MT Life & Health Exam
Montana licenses life and health authority through separate Resident Producer: Life and Disability exam tracks. Each track has a general section and a Montana law supplement, with heavy emphasis on producer law, unfair trade practices, and line-specific life/health statutes.
Questions
178 scored questions
Time Limit
4h 15m total (Life + Disability tracks)
Passing Score
75 scaled score (each required section)
Exam Fee
$65 per exam ($130 for both lines) (Montana State Auditor (Commissioner of Securities and Insurance) / Pearson VUE)
MT Life & Health Exam Content Outline
Life General Knowledge
Life products, policy provisions/riders, underwriting and delivery, retirement and tax concepts
Accident & Health General Knowledge
Health policy types, provisions, social insurance, disability/LTC, and field underwriting procedures
Montana Common Statutes and Producer Law
Commissioner authority, licensing, appointments, unfair trade practices, privacy/fraud law, and producer responsibilities
Montana Line-Specific Life and Health Law
Life replacement/viaticals/group life and health mandates including Medicare supplement and disability/LTC provisions
How to Pass the MT Life & Health Exam
What You Need to Know
- Passing score: 75 scaled score (each required section)
- Exam length: 178 questions
- Time limit: 4h 15m total (Life + Disability tracks)
- Exam fee: $65 per exam ($130 for both lines)
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
MT Life & Health Study Tips from Top Performers
Frequently Asked Questions
Is Montana a single combined life-and-health exam?
Not exactly. Montana uses separate Resident Producer: Life and Resident Producer: Disability tracks, and each includes both a general section and a Montana state-law section.
How many questions are tested for Montana life and health authority?
Across both tracks, Montana outlines list 178 scored questions total: Life (50 general + 36 state) and Disability (50 general + 42 state), plus pretest items.
What passing score is required?
Montana publishes a 75 passing standard for required exam sections. Candidate score reporting is handled as scaled results rather than simple raw percentages.
How much does Montana testing cost?
The Pearson VUE Montana handbook lists a $65 fee per exam reservation. Taking both life and disability tracks typically totals $130 in exam fees.
What continuing education applies after licensing in Montana?
Montana generally requires 24 CE hours every 2 years, including 3 ethics hours and 1 hour on changes to Montana insurance statutes and administrative rules.