Montana Insurance Exam Cheat Sheet
Unlock the official Montana Life & Health exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free Montana practice questions to test your knowledge.
What's Covered on the Montana Life & Health Exam
Key exam lines — know what each one tests
Life Insurance Line
- Term, Whole, Universal & Variable Life policies
- Annuities (fixed, variable, immediate, deferred)
- Beneficiary designations & settlement options
- Policy riders: waiver of premium, AD&D, COLA
- Replacement rules & suitability requirements
- Grace period: 30 Days (MCA 33-20-104) | Free-look: 10 Days (30 Days (ARM 6.6.306 / MCA 33-22-908))
Health Insurance Line
- Individual & group health, HMO, PPO, EPO, POS plans
- Medicare Parts A, B, C, D & Medigap supplements
- Medicaid & CHIP eligibility rules
- COBRA, HIPAA, ACA & continuation provisions
- Disability income: STD & LTD elimination periods
- Grace periods: 7 / 10 / 31 days by premium mode
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Frequently Asked Questions
Q:How do I pass the Montana Life and Disability (Health) insurance exam?
To pass the Montana insurance examination, begin by reviewing the official candidate handbook and examination content outlines provided by Pearson VUE and the Montana Commissioner of Securities and Insurance (CSI). Study core insurance concepts including policy provisions, riders, annuities, disability income, Medicare supplement plans, and the Montana Insurance Code (Title 33 MMontana). Practice extensively with realistic scenario-based questions to master trick question formats and time management. Before test day, take full-length practice tests under realistic timed conditions and aim to score consistently at 85% or higher to ensure you easily clear Montana's official 75% passing threshold.
Q:How many questions are on the Montana insurance exam and what score do I need to pass?
The Montana insurance licensing exams are administered as separate single-line examinations by Pearson VUE: the Life Producer Examination contains 86 questions with a 120-minute (2-hour) time limit, and the Disability (Accident & Health) Producer Examination contains 92 questions with a 135-minute (2-hour 15-minute) time limit. Both exams include a small number of unscored pretest questions mixed in. You must achieve a scaled score of 75% or higher on each examination to earn a passing grade. Score reports are delivered immediately at the test center upon exam completion.
Q:What topics are covered on the Montana Life and Disability insurance licensing exams?
The examinations are split into two major portions: General Product Knowledge and Montana State Insurance Law. The general knowledge portion tests term and permanent life insurance policies, policy riders, beneficiary designations, settlement options, annuities, group vs. individual medical expense policies, disability income, long-term care, Medicare supplements, and taxation. The state portion focuses on Title 33 of the Montana Code Annotated (MMontana) and Title 6, Chapter 6 of the Administrative Rules of Montana (ARM), covering the powers of the Commissioner, producer licensing, continuing education, fiduciary trust accounts, replacement regulations (ARM 6.6.301–6.6.308), unfair claims practices (MMontana § 33-18-201), and the Montana Life and Health Insurance Guaranty Association (MMontana § 33-10-224).
Q:How much does the Montana insurance exam cost and where do I take it?
The examination fee is $65 per exam attempt, payable directly to Pearson VUE during registration. Montana does not charge a state producer license application fee when applying through NIPR (though NIPR transaction fees apply). Candidates must also complete a criminal history background check with fingerprinting, which costs approximately $30 to $54 depending on whether prints are captured at a Pearson VUE test center or local law enforcement agency. Exams can be taken in person at authorized Pearson VUE testing centers across Montana (including Billings, Missoula, Great Falls, Bozeman, Helena, and Kalispell) or remotely from home or office using Pearson VUE's OnVUE online proctoring system.
Q:What are the pre-licensing education and licensing requirements in Montana?
Under Montana law (MMontana § 33-17-211), candidates are not required to complete mandatory classroom pre-licensing education hours prior to sitting for the exam. To qualify for a resident producer license, you must: (1) be at least 18 years of age, (2) reside in Montana or maintain your primary business location in the state, (3) be deemed trustworthy and competent of good business reputation by the Commissioner, (4) pass the applicable Pearson VUE producer licensing exam with a score of 75% or higher, (5) submit fingerprints for a state and FBI criminal history check alongside the Montana Applicant Rights and Consent form, and (6) complete your formal license application electronically through NIPR.
Q:What happens if I fail the Montana insurance exam and what is the retake policy?
If you fail the Montana insurance examination, you receive a diagnostic score report at the test center highlighting your performance across each content category. Under Pearson VUE and Montana CSI policy, you must wait at least 24 hours before scheduling a re-examination attempt. There is no statutory lifetime limit on attempts, but you must pay the full $65 examination fee for every attempt. We recommend reviewing your diagnostic breakdown, focusing on the specific product or state law sections where points were lost, and practicing with our targeted Montana question bank before taking the test again.