How to get a Montana life & health license
Requirements, exam, fees and the order to do things in — from the Montana Commissioner of Securities & Insurance (CSI), Office of the State Auditor and the exam handbook.
Step by step
- Study for the exam — Montana doesn't require a pre-licensing course for this license, but most first-time candidates take an exam-prep course.
- Schedule and pass the state exam with Pearson VUE ($65). Read the candidate handbook.
- Get fingerprinted if required — Required for all resident applicants (state+FBI; NIPR shows deferred check); cost not published.
- Apply for the license through NIPR or the Montana Commissioner of Securities & Insurance (CSI), Office of the State Auditor.
- Get appointed by an insurance company (agents) and keep up with continuing education — 24 per 2 yrs incl. 3 ethics + 1 MT legislative update hours per renewal (license term: 2 years (biennial)).
Pre-licensing & exam prep courses
- Kaplan Financial Education — state-approved pre-licensing and exam prep, the long-running market leader
- ExamFX — pre-licensing and exam prep with a pass guarantee
- AceableAgent — mobile-first pre-licensing courses
- XCEL Solutions — low-cost online pre-licensing and exam prep
Pick a course approved in Montana (optional here, but it lifts pass rates). Some links may be affiliate links.
Montana Life & Health requirements
| Life | Accident & Health (Disability) | |
|---|---|---|
| Pre-licensing education | None required | None required |
| Exam vendor | Pearson VUE | Pearson VUE |
| Exam fee | $65 | $65 |
| Questions / time | 96 · 120 min | 102 · 135 min |
| License application fee | $0 | $0 |
| Fingerprints | Required for all resident applicants (state+FBI; NIPR shows deferred check); cost not published verify | Required for all resident applicants (state+FBI; NIPR shows deferred check); cost not published verify |
| Continuing education | 24 per 2 yrs incl. 3 ethics + 1 MT legislative update hours · 2 years (biennial) | 24 per 2 yrs incl. 3 ethics + 1 MT legislative update hours · 2 years |
Life: No pre-licensing requirement stated. General 55 Q/75 min + State 41 Q/45 min. MT charges $0 state fee for resident producer license (NIPR). Passing scaled score 75.
Accident & Health (Disability): MT calls the health line 'Disability'. General 55 Q/75 min + State 47 Q/60 min.
Minimum age 18. Sources: CSI Montana insurance licensing · Montana Insurance Candidate Handbook (Pearson VUE) · NIPR Montana resident individual licensing requirements. Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Life & Health license rules across the US
Other Montana licenses
Property & Casualty license · Adjuster license · All Montana insurance licenses
Questions
How long does it take to get a life and health insurance license in Montana?
Montana has no required pre-licensing hours, so many candidates sit the exam within 1–3 weeks of studying. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Montana Life & Health license cost?
State fees (exam + application) come to about $130, plus fingerprints and a course if you take one.
Who runs the Montana insurance exam?
Pearson VUE. Book the exam on the vendor's site after reading the candidate handbook.