Montana Insurance License
The Montana insurance license exam, in plain numbers.
Everything below is specific to Montana — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Montana
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 92 | 69 | 75% | 23 |
| Life only | 92 | 69 | 75% | 23 |
Administered by Pearson VUE for the Montana Commissioner of Securities and Insurance. Time limit: 135 minutes. Roughly 23 of the scored questions (25%) come from Montana law — the block national courses cover most lightly.
Prelicensing
NOT required. Montana eliminated prelicensing education requirements for insurance producers, repealing sections 33-17-207, 33-17-208 and 33-17-209, MCA.
Continuing education
24 approved credit hours by the license lapse or renewal date each biennium, which MUST include a minimum of 3 approved ethics hours AND a minimum of 1 approved credit hour of LEGISLATIVE CHANGES in Montana insurance statutes and administrative rules. Remaining hours must be in insurance law, ethics, or topics specific to surety bail bonds, prepaid legal insurance, or limited lines credit insurance. Montana does not allow excess hours to be carried forward, and a course cannot be taken more than once in a 2-year reporting period.
License term
2 years, on the FIRST day of the licensee's birth month, in odd or even years by birth year
Regulator
The Montana Commissioner of Securities and Insurance oversees licensing, headed by the Commissioner of Securities and Insurance, an office held by Montana's elected State Auditor.
Montana Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Montana policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Montana, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Montana insurance exam questions, answered
How many questions are on the Montana insurance license exam?
The combined life and health exam has 92 scored questions. You need 69 correct to pass at 75%, which means you can miss 23.
What is the passing score for the Montana insurance exam?
75%. That works out to 69 correct answers out of 92 scored questions.
Who administers the Montana insurance license exam?
Pearson VUE, on behalf of the Montana Commissioner of Securities and Insurance.
Does Montana require prelicensing education?
NOT required. Montana eliminated prelicensing education requirements for insurance producers, repealing sections 33-17-207, 33-17-208 and 33-17-209, MCA.
How much continuing education does Montana require?
24 approved credit hours by the license lapse or renewal date each biennium, which MUST include a minimum of 3 approved ethics hours AND a minimum of 1 approved credit hour of LEGISLATIVE CHANGES in Montana insurance statutes and administrative rules. Remaining hours must be in insurance law, ethics, or topics specific to surety bail bonds, prepaid legal insurance, or limited lines credit insurance. Montana does not allow excess hours to be carried forward, and a course cannot be taken more than once in a 2-year reporting period.
Is there a Montana life-only or health-only exam?
Yes. Life only is 92 scored questions, 69 to pass.
How much does a Montana study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Montana Commissioner of Securities and Insurance.