Montana
Montana Insurance Prelicensing Requirements
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How to Obtain a Montana Insurance License
Becoming a licensed insurance agent in Montana requires completing several essential steps, including prelicensing education, passing the state exam, applying for your license, and fulfilling continuing education requirements. This guide outlines each step in detail to help you navigate the licensing process efficiently.
Step 1: Fulfill Prelicensing Education Requirements
Before taking the Montana insurance licensing exam, you must complete a state-approved prelicensing education course. The required study hours vary based on the line of authority you choose:
| Line of Authority | Required Hours |
| Life Insurance | 20 hours |
| Accident & Health Insurance | 20 hours |
| Property Insurance | 20 hours |
| Casualty Insurance | 20 hours |
| Multi-line Adjuster | 20 hours |
| Crop Adjuster | 20 hours |
Key Notes:
- Completing a prelicensing course is required before taking the state exam.
- You will receive a Certificate of Completion, which is required to take the state exam.
- The Certificate of Completion is valid for 12 months from the date of completion.
Step 2: Pass the Licensing Exam
Once you complete the prelicensing education, you must pass the Montana insurance licensing exam.
Exam Details:
- Administered by Pearson VUE.
- Register online at Pearson VUE or call (800) 274-8906.
- Exams are computer-based and multiple-choice.
- A 75% or higher score is required to pass.
- Test results are provided immediately after completion.
Exam Length & Question Breakdown:
| Exam Type | Time Limit | Number of Questions |
| Life Producer | 2 hours | 96 |
| Accident & Health Producer | 2 hours | 102 |
| Property Producer | 2 hours | 92 |
| Casualty Producer | 2 hours 15 min | 97 |
| Multi-line Adjuster | 1 hr 45 min | 88 |
| Crop Adjuster | 1 hour | 50 |
| Public Adjuster | 1 hour | 50 |
| Limited Lines Credit | 45 minutes | 30 |
| Life & Disability Consultant | 2 hours | 100 |
| Property & Casualty Consultant | 2 hours | 100 |
Exam Policies:
- Arrive 30 minutes early at the testing center.
- Bring a valid government-issued photo ID.
- No personal items (phones, watches, calculators, etc.) are allowed in the testing room.
- Remote exams are available using Pearson VUE’s OnVUE platform. Candidates may take only one remote attempt—subsequent attempts must be taken in person.
Step 3: Complete Fingerprinting Requirements
Montana requires all resident applicants to complete a fingerprint background check.
Fingerprinting Details:
- You must complete fingerprinting at a Pearson VUE testing center.
- Submit an Applicant Rights and Consent to Fingerprint Form to csiapplicantrights@mt.gov.
- Your fingerprint card must be submitted to the Montana Department of Justice.
- Visit the Commissioner of Securities and Insurance’s website for fingerprinting locations and additional details.
Step 4: Apply for Your Insurance License
After passing the state exam, you must apply for your Montana insurance license through Sircon or the National Insurance Producer Registry (NIPR) at www.nipr.com.
Application Process:
- Submit your application via NIPR or Sircon and pay the required fee.
- Applications must be submitted within 12 months of passing the exam.
Step 5: Maintain Your License with Continuing Education (CE)
To keep your Montana insurance license active, you must complete continuing education (CE) every two years.
CE Requirements:
- 24 hours of CE required for most license types, including 3 hours of ethics training.
- 1 hour must cover Montana insurance statutes and administrative rules.
- Limited Lines Credit, Prepaid Legal, and Surety Bail Bonds agents must complete 5 credit hours every two years, including 1 hour of Montana statutes and ethics training.
- Nonresident agents must comply with their home state’s CE requirements.
For the latest CE updates, visit the Montana Department of Insurance website.
Frequently Asked Questions (FAQs)
Are insurance adjusters required to be licensed in Montana?
Yes, all adjusters must be licensed and meet the state’s licensing and CE requirements.
Where can I take the Montana licensing exam?
Exams can be taken in-person at Pearson VUE testing centers or remotely via OnVUE.
How do I schedule my licensing exam?
You can schedule your exam through Pearson VUE by visiting their website or calling (800) 274-8906. Exam fees must be paid at the time of reservation.
What happens if I fail my exam?
You can reschedule immediately. Review your diagnostic report and use additional study materials to improve your score before retaking the exam.
What entity oversees licensing in Montana?
The Montana State Auditor’s Office manages agent licensing, renewals, and continuing education. For inquiries, call (406) 444-2040.
Contact Information
Montana State Auditor’s Office:
- Phone: (406) 444-2040
- Website: csimt.gov
Pearson VUE:
- Phone: (800) 274-8906
- Website: home.pearsonvue.com
Start Your Insurance Prelicensing Training
Take the first step toward your Montana insurance career by enrolling in a state-approved prelicensing course today.
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Disclaimer
The information provided here is based on current Montana state regulations and may be subject to updates. We strive for accuracy but recommend verifying requirements with the Montana State Auditor’s Office for the latest licensing details.