Montana Insurance Prelicensing Requirements


Montana does not require licensing candidates to complete prelicensing education; however, ExamFX highly recommends that you complete an educational course before attempting to take your state’s licensing exam.


Navigate to ExamFX’s home page and select the line of authority you’re interested in to learn more about our comprehensive insurance training packages.


ExamFX is so confident in the quality of its material that we offer our customers a first-time pass guarantee. If you don’t pass the first time around, we will refund your money. To qualify for this offer, you must pass our Guarantee Exam with a score of 80% to determine maximum exam readiness. While completing this portion of your online course is not required, we highly recommend taking this extra step.


Step 1 (optional): Complete an optional prelicensing course that helps prepare you to take and pass your licensing exam.

Step 2: Schedule your exam with your state’s testing provider, Pearson Vue, at least 24 hours prior to your desired examination date. The fastest way to schedule your exam is to do so online with Pearson Vue You can also schedule your exam over the phone at (800) 274-8906. The examination fee is $59.

To change or cancel your testing appointment, you must contact Pearson Vue at least 48 hours in advance or forfeit the examination fee.

Be aware that the state of Montana requires fingerprinting. After scheduling your examination, you must contact IdentoGO By MorphoTrust USA who provides a digital fingerprinting service to schedule a fingerprinting session. You can contact IdentoGO By MorphoTrust USA at 1 (866) 761-8069, or, The fee for digital fingerprinting is $54.00

Step 3: Take and pass your state licensing exam. On the day of your appointment, arrive at the test center 30 minutes before your scheduled appointment time to complete the necessary sign-in procedures. You must bring with you two (2) forms of personal ID (driver’s license, passport, military I.D., etc.) Both must have your signature, and one of the two must have your photo. You will not be able to take your exam if these requirements are not met.

The computerized exam is scored immediately upon completion of parts I and II of the exam.


Step 4: Allow up to three business days for the exam results to transfer to the NIPR Online System. Apply for your license with NIPR. Detailed licensing information can be found through the Department of Insurance.

Step 5: Maintain your license by being aware of your continuing education requirements. Most insurance licenses must be maintained by completing a certain number of credit hours of continuing education each licensing period. ExamFX offers continuing education courses that will help you comply with your state’s requirements. Click here to view your state’s education rules and stay on top of your license.


Your exam experience is dependent on the line of authority you are testing for. Carefully review the below examination breakdowns to learn important factors like:


  1. the number of questions on your exam
  2. the time limit
  3. the subjects that you will be tested on
  4. the score that you must achieve to pass the exam


Montana Life Insurance Examination
103 Questions (86 Scored Questions, 17 Pretest)
Time Limit: 2 Hours
Passing score: 75%

General Knowledge
Completing the Application, Underwriting, and Delivering the Policy14%
Types of Life Policies 14%
Policy Riders, Provisions, Options, and Exclusions 21%
Taxes, Retirement, and Other Insurance Concepts9%
State Law
Montana Regulations Common to All Lines 29%
Montana Regulations Pertinent to Life Insurance and Annuities Only13%

Montana Accident and Health Insurance Examination
110 Total Questions (92 scored, 18 pretest)
Time Limit: 135 Minutes
Passing score: 75%

General Knowledge
Health Insurance Policy Types 15%
Field Underwriting Procedures 10%
Policy Provisions, Clauses, and Riders 22%
Social Insurance 4%
Other Insurance Concepts 4%
State Law:
Montana Regulations Common to All Lines 27%
Montana Regulations Pertinent to Disability (A&H) Insurance Only 18%

Montana Property Insurance Examination
99 Total Questions (82 scored, 17 pretests)
Time Limit: 2 Hours
Passing Score: 75%

General Knowledge
Insurance Terms and Related Concepts 17%
Policy Provisions 13%
Types of Policies 30%
State Law:
Montana Statutes, Rules, and Regulations Common to All Lines 30%
Montana Statutes, Rules and Regulations Common to P&C 4%
Montana Statutes, Rules, and Regulations Pertinent to Property Only 6%

Montana Casualty Insurance Examination
105 Total Questions (87 scored, 18 pretest)
Time Limit: 2 hours
Passing score: 75%

General Knowledge
Insurance Terms and Related Concepts 17%
Policy Provisions 14%
Types of Policies, Bonds, and Related Terms 26%
State Law:
Montana Statutes, Rules, and Regulations Common to All Lines 29%
Montana Statutes, Rules, and Regulations Common to P&C 4%
Montana Statutes, Rules, and Regulations Pertinent to Casualty Only 10%


We are sorry to hear that you have failed your first attempt at passing your state’s licensing exam. These licensing exams are difficult and some candidates must try again to reach their goal. We want to help you get there, so we recommend that you:

Step 1: Be aware of retake limitations and rules. In Montana, you must wait twenty-four (24) hours before rescheduling your exam.

Step 2: Reschedule your exam. You must retake the entire examination, i.e., Parts 1 and 2. Follow the initial registrations and scheduling steps.

Step 3: ExamFX’s subject matter experts are available by email at [email protected] to help you pass your licensing exam on your next attempt. Many testing providers will supply you with a score report or performance summary after your testing appointment. Use this report to let the ExamFX subject matter experts know what areas of the exam that you are struggling the most with.

Step 4: Study your materials. ExamFX materials are created by analyzing the exact testing outline supplied by your testing provider or Department of Insurance. This means that all the information that you need to pass your exam is within your course. Be confident that with more studying, you can pass your licensing exam and achieve your goals!


ExamFX recommends that you contact your Department of Insurance or testing center directly.

Direct questions about licensure to:
Montana Insurance Division
Phone: (406) 444-2040
Email: [email protected]


Direct all questions and requests for information about exams to:
Pearson VUE / Montana Insurance
Email: [email protected]
Phone: (877) 540-5825

The information displayed above is for informational purposes only. ExamFX is not responsible for the accuracy of the information on this page. All steps have been taken to make sure that the information relayed on this page is accurate; however, information is subject to change without notice. It is the responsibility of the producer to be compliant per their states requirements.