We have not published a step-by-step Montana checklist yet. These are the official sources; anything on this page that is not cited to one of them comes from the state's own published exam outline.

What Montana requires

Transcribed from NIPR's Montana resident licensing requirements page, read 2026-09-16. Fees and rules change; confirm against Montana Commissioner of Securities and Insurance before you file.

Application fee: $0 (Insurance Producer)
State exam: Insurance Producer exams are required for Life, Disability (Health), Property, Casualty, Limited Lines Credit, Pre-Paid Legal, Surety and Title. Surplus Lines Producer, Motor Club Agent and Viatical Settlement Broker require no exam.
Fingerprints and background check: One year after the initial licence is issued, the applicant is deferred for a fingerprint check by the Montana insurance department. No third-party vendor is named.
How to apply: Apply electronically through NIPR's Resident License application.
Also worth knowing: Montana exams are valid for one year from the exam date.

Montana application fees, by license class

Insurance Producer$0
Public Adjuster$50
Adjuster$50
Crop Adjuster$50
Consultant$50
Surplus Lines Producer$50

Source: NIPR, Montana resident licensing requirements, individual, read 2026-09-16. Anything absent above is something that page does not state, which is not the same as the state not requiring it.

What's actually on the exam

Section weights below are derived from Pearson VUE publication #122703, effective 2026-03-02 - not a national average. Our practice questions and final exam are sampled to the same proportions.

I. Types of Policies12.791% (11 of 86)
II. Policy Riders, Provisions, Options, and Exclusions12.791% (11 of 86)
III. Completing the Application, Underwriting, and Delivering the Policy13.953% (12 of 86)
IV. Premiums, Proceeds, and Beneficiaries6.977% (6 of 86)
V. Annuities4.651% (4 of 86)
VI. Federal Tax Considerations for Life Insurance and Annuities3.488% (3 of 86)
VII. Qualified Plans and Federal Retirement Plans3.488% (3 of 86)
VIII. Montana Insurance Code Pertinent to Life Insurance18.605% (16 of 86)
IX. Montana Statutes Pertinent to Life Insurance Producers23.256% (20 of 86)

Source: Pearson VUE #122703 eff. 2026-03-02.

Frequently asked questions

How many questions are on the Montana Life exam?

Montana administers the Life, 86 scored questions, a 120-minute time limit, administered by Pearson VUE. The exam fee is $65.

What score do I need to pass?

Montana does not publish a passing score for this examination, so treat the candidate handbook as the authority rather than any figure quoted elsewhere.

Does Montana require state-approved prelicensing education?

No. Montana does not mandate prelicensing education for the Life license - passing the exam is what qualifies you. Exam prep alone is sufficient.

Is the practice exam built to the real Montana exam's format?

Yes. Our practice questions and final exam are weighted to match Pearson VUE #122703 eff. 2026-03-02, section by section - not a generic national blueprint with a state label on it.

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