200+ Free MT Life & Health Practice Questions

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Question 1

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Which Montana office regulates insurance producers and insurance companies in the state?

Montana Department of Revenue

Montana State Auditor's Office, Commissioner of Securities and Insurance

Montana Department of Labor and Industry

Montana Attorney General's Consumer Protection Unit

to track

2026 Statistics

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

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.

Sample MT Life & Health Practice Questions

Try these sample questions to test your MT Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which Montana office regulates insurance producers and insurance companies in the state?

A.Montana Department of Revenue

B.Montana State Auditor's Office, Commissioner of Securities and Insurance

C.Montana Department of Labor and Industry

D.Montana Attorney General's Consumer Protection Unit

Explanation: Montana regulates insurance through the State Auditor's Office, where the elected State Auditor also serves as Commissioner of Securities and Insurance. That structure differs from many states that use a separate appointed insurance commissioner.

2Which testing provider administers Montana insurance licensing examinations for resident producer life and disability lines?

A.PSI Services

B.Prometric

C.Pearson VUE

D.Castle Worldwide

Explanation: The Montana candidate handbook lists Pearson VUE as the exam administrator. Candidates schedule and pay exam reservations directly through Pearson VUE.

3What passing standard does Montana publish for resident producer life and disability exam sections?

A.70%

B.72%

C.75%

D.80%

Explanation: Montana publishes a passing requirement of 75 or better for each required section. On score reports, this is presented as a scaled passing standard rather than a raw-percent conversion of every item.

4How much total testing time is allocated to Montana Resident Producer: Life (General + State)?

A.1 hour 45 minutes

B.2 hours

C.2 hours 15 minutes

D.2 hours 30 minutes

Explanation: Montana allots 1 hour 15 minutes for General Life and 45 minutes for State Life. Together, those two parts total 2 hours of testing time for the life line.

5What biennial continuing education package is required for most Montana producers?

A.16 hours total, including 1 hour ethics

B.24 hours total, including 3 hours ethics and 1 hour Montana law/rule changes

C.30 hours total, including 6 hours ethics

D.40 hours total, including 10 hours state law

Explanation: Montana requires 24 CE hours every two years for most producers. That total must include 3 hours of ethics and 1 hour covering changes to Montana insurance statutes and administrative rules.

6How long are Montana insurance producer exam scores valid for licensing application purposes?

A.6 months from the pass date

B.12 months from the pass date

C.18 months from the pass date

D.24 months from the pass date

Explanation: Montana licensing requirements state that exam scores remain valid for 12 months from the date passed. If the applicant does not complete filing within that window, the exam result may no longer satisfy licensing requirements.

7How many scored and pretest questions appear in Montana Life - General Knowledge?

A.40 scored + 10 pretest

B.50 scored + 5 pretest

C.60 scored + 5 pretest

D.75 scored + 10 pretest

Explanation: The 2026 Montana outline lists Life General as 50 scoreable questions plus 5 pretest questions. Pretest items are unscored but still mixed into the exam experience.

8How many scored and pretest questions appear in Montana Life - State Specific?

A.30 scored + 5 pretest

B.36 scored + 5 pretest

C.40 scored + 5 pretest

D.42 scored + 5 pretest

Explanation: The Life Montana-specific section is listed as 36 scored plus 5 pretest items. This section emphasizes statutes, rules, and producer compliance under Montana law.

9In the Montana Life General outline, which domain weighting statement is correct?

A.Types of Policies is 8 questions and is not a major area

B.Policy Provisions is 20 questions and stands alone as the only major area

C.Types of Policies and Life Provisions are each 15 scored questions

D.Retirement and other concepts is 20 scored questions

Explanation: Montana weights Life General with 15 questions in Types of Policies and 15 questions in Life Provisions/Riders/Options/Exclusions. Those two domains together form the largest share of the life-general blueprint.

10Montana life replacement testing focuses on which compliance pairing?

A.Only producer advertising style

B.Only insurer investment returns

C.Duties of producers and duties of insurers under replacement/disclosure rules

D.Only federal securities suitability

Explanation: The Montana life-state outline explicitly breaks replacement into producer duties and insurer duties. That structure creates scenario questions on who must deliver notices, retain records, and supervise compliance.

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

28%

Life General Knowledge

Life products, policy provisions/riders, underwriting and delivery, retirement and tax concepts

28%

Accident & Health General Knowledge

Health policy types, provisions, social insurance, disability/LTC, and field underwriting procedures

24%

Montana Common Statutes and Producer Law

Commissioner authority, licensing, appointments, unfair trade practices, privacy/fraud law, and producer responsibilities

20%

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

1Study Montana common statutes first because they are heavily weighted in both life-state and health-state sections

2Memorize exam logistics: separate life and disability tracks, each with general and state parts

3Drill unfair trade practices and producer-responsibility rules (fiduciary funds handling, commission sharing, recordkeeping)

4Practice line-specific statutes for life replacement/viaticals and health mandates such as Medicare supplement and disability rules

5Use timed blocks that match Montana section time limits (75/45 for life and 75/60 for disability)

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.