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Montana Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of Montana. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Montana Department of Insurance website at http://sao.mt.gov. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.  

Montana Department of Insurance

Producer Licensing
840 Helena Avenue 
Helena, MT 59601
Phone: 406-444-2040 or 800-332-6148 (in MT)
Fax: 406-444-3497
Website: http://sao.mt.gov
Email: pdaugherty@mt.gov

How to Get Your Montana Insurance License

1. Complete an Insurance Exam Prep Course

Those looking to earn a Montana insurance license have a significantly higher chance of passing their licensing exam when they complete one of Kaplan’s exam prep courses. Give yourself the best chance to pass before you sit for the state exam. 

Prelicensing Education Hour Requirements

  • The state of Montana does not require prelicensing education.
  • Although prelicensing education is not required, due to the difficulty and nature of these exams, Kaplan highly recommends enrolling in a study course.

Acceptable Methods of Education

  • Classroom
  • Self-study
  • Online

Adjuster License Requirements

All insurance adjusters in this state are required to be licensed. Check with the Department of Insurance in your resident state to see how to obtain an adjuster license.

2. Pass Your Montana Licensing Exam

After completing your exam prep course, you must pass a state licensing exam. Kaplan’s exam prep content is based directly on the Montana licensing exams, so you will be prepared to pass the first time.

Exam Provider: Pearson Vue

Frequently Asked Questions About the Montana Licensing Exam

After completing my exam prep, how should I prepare for exam day? 

Walk-in examinations are not available. Online reservations are the most efficient way for candidates to schedule their examination.

Candidates must go to www.pearsonvue.com/mt/insurance to make an online reservation for an examination. First-time users are required to create an account. The candidate will need to fill in all required fields, which are preceded by an asterisk (*), on the online form in order to create an ID and be assigned a password. Step-by-step instructions will lead the candidate through the rest of the examination reservation process.

Before making a reservation, candidates should have the following:

  • Legal name, address, Social Security number, daytime telephone number, and date of birth.
  • The name(s) of the examination(s).
  • The preferred examination date(s) and test center location(s) 
Candidates must make an online reservation at least twenty-four (24) hours before the desired examination date.

Candidates who wish to make a phone reservation at 800-274-8906 must do so at least twenty-four (24) hours before the desired examination date (unless an electronic check is used for payment, as detailed below).

Candidates should report to the test center at least thirty (30) minutes before the examination begins to complete registration.

Required Materials

All candidates are required to bring identification that is deemed acceptable, listed under Acceptable Forms of Candidate Identification, to the test center on the day of examination.

Acceptable Forms of Candidate Identification

Candidates must present two (2) forms of current signature identification. The name on the identification must exactly match the name on the registration. The primary identification must be government-issued and photo-bearing with a signature, and the secondary identification must contain a valid signature. Identification must be in English.

  • Primary ID (photograph, and signature, not expired):
    • Government-issued Driver’s License
    • U.S. Dept. of State Driver’s License
    • U.S. Learner’s Permit (plastic card only with photo and signature)
    • National/State/Country identification card
    • Passport
    • Passport cards
    • Military ID
    • Military ID for spouses and dependents
    • Alien Registration Card (Green Card, Permanent Resident Visa)
  • Secondary ID (signature, not expired)
    • U.S. Social Security card
    • Debit (ATM) or Credit card
    • Any form of ID on the Primary list
If the ID presented has an embedded signature that is not visible (microchip), or is difficult or impossible to read, the candidate must present another form of identification from the Primary ID or Secondary ID list that contains a visible signature. Pearson VUE does not recognize grace periods. For example, if a candidate’s driver’s license expired yesterday and the state allows a 30-day grace period for renewing the ID, the ID is considered to be expired.

Test Center Policies

The following policies are observed at each test center. Candidates who violate any of these policies will not be permitted to finish the examination and will be dismissed from the test center, forfeiting the examination fee.

  • No personal items are allowed in the testing room. Personal items include but are not limited to: cellular phones, hand-held computers or other electronic devices, pagers, watches, wallets, purses, firearms or other weapons, hats, bags, coats, books, and/ or notes, pens, or pencils.

  • Candidates must store all personal items in a secure area as indicated by the administrator, or return items to their vehicle. All electronic devices must be turned off before storing them in a locker. The test center is not responsible for lost, stolen, or misplaced personal items.

  • Studying is not allowed in the test center. Visitors, children, family, or friends are not allowed in the test center.

  • Dictionaries, books, papers (including scratch paper), and reference materials are not permitted in the examination room, and candidates are strongly urged not to bring such materials to the test center. Upon entering and being seated in the testing room, the test administrator will provide the candidate with materials to make notes or calculations and any other items specified by the exam sponsor. The candidate may not write on these items before the exam begins or remove these items from the testing room.

  • Eating, drinking, chewing gum, smoking, and/or making noise that creates a disturbance for other candidates is prohibited during the exam.

  • Break policies are established by the exam sponsor. Most sponsors allow unscheduled breaks. To request an unscheduled break, the candidate must raise their hand to get the administrator’s attention. The exam clock will not stop while the candidate is taking a break.

  • Candidates must leave the testing room for all breaks. However, candidates are not permitted to leave the floor or building for any reason during this time, unless specified by the administrator and the exam sponsor. If a candidate is discovered to have left the floor or building they will not be permitted to proceed with the examination and may forfeit the exam fees.

  • While taking a break, candidates are permitted to access personal items that are being stored during the exam only if necessary—for example, personal medication that must be taken at a specific time. However, a candidate must receive permission from the administrator prior to accessing personal items that have been stored. Candidates are not allowed access to other items, including, but not limited to, cellular phones, exam notes, and study guides.

  • Any candidate discovered causing a disturbance of any kind or engaging in any kind of misconduct—giving or receiving help; using notes, books, or other aids; taking part in an act of impersonation; or removing examination materials or notes from the examination room—will be summarily dismissed from the examination and will be reported to the state licensing agency. Decisions regarding disciplinary measures are the responsibility of the state licensing agency
How is the exam scored?

Score Reporting

When candidates complete the examination, they will receive a score report marked pass or fail. Candidates who pass the examination will receive a score report that includes information on how to apply for a license.

Candidates who fail the examination will receive a score report that includes a numeric score and diagnostic information relating to the general portion of the examination, as well as information about reexamination. Reservations for reexamination cannot be made at the test center, and candidates must wait 24 hours before making one.

Candidates who fail Part 1 of a Life, Accident and Disability, Property and/or Casualty examination receive general diagnostic information relevant to each major area of the examination. Diagnostic information is intended to help failing candidates identify their areas of strength and weakness in order to prepare for future examinations. Candidates may use the content outlines in this handbook to interpret the diagnostic information on a failing score report.

Examination results are confidential and are released only to the candidate and the state licensing agency. To protect the candidate’s privacy and to maintain the confidentiality of examination results, Pearson VUE does not give score information over the telephone.

Retaking the Exam

Candidates who fail an examination and wish to retake it must retake the entire examination (i.e., Parts 1 and 2).

How long is the exam? 

License TypeLine of AuthorityExam TimeTotal Questions
Resident Producer: LifeGeneral: Life1 Hour 15 MinutesNo Mention
 State: Life45 Minutes
No Mention
DisabilityGeneral: Accident & Disability1 Hour 15 MinutesNo Mention
 State: Disability1 HourNo Mention
PropertyGeneral: Property1 Hour 15 MinutesNo Mention
 State: Property45 MinutesNo Mention
CasualtyGeneral: Casualty1 Hour 15 MinutesNo Mention
 State: Casualty1 HourNo Mention
Multi-Line AdjusterMulti-Line Adjuster1 Hour 45 MinutesNo Mention
Crop AdjusterCrop Adjuster1 HourNo Mention
Public AdjusterPublic Adjuster1 HourNo Mention
Limited Lines CreditLimited Lines Credit45 MinutesNo Mention
Surety and Surety BailSurety30 MinutesNo Mention
TitleTitle45 MintuesNo Mention
Life and Disability ConsultantL/D Consultant45 MinutesNo Mention
Property and Casualty ConsultantP/C Consultant2 HoursNo Mention
Prepaid LegalPrepaid Legal1 HourNo Mention

3. Get Fingerprinted

Fingerprints are required for all residents. Fingerprints are valid for 12 months. This includes current licensees who are adding a line of authority. Pearson VUE has contracted with IdentoGO (formerly L1-Enrollment) to provide digital fingerprinting at the following test centers:

  • Billings, MT
  • Missoula, MT
  • Helena, MT
  • Spokane Valley, WA
The fee for digital fingerprinting is $54 and includes the state DOJ and FBI check fees. You must first call Pearson VUE to make your exam registration. After scheduling the examination, you must contact IdentoGO, who provides a digital fingerprinting service, to schedule a fingerprinting session. You can contact IdentoGO at 866-761-8069 or https://pearsonwest.ibtfingerprint.com.

4. Apply for a Montana Insurance License

Once you have passed your state licensing exam, you are ready to apply for an insurance license.

Apply online at www.nipr.com. After passing the examination, apply for your license by contacting the Montana Insurance. For more information regarding obtaining a license go to http://csimt.gov/insurance/licensing.

You will be assigned an NPN. This unique identifier is assigned through the licensing application process and is used to track individuals and business entities on a national basis. The NPN is used by many states to replace a producer license number.

5. Plan to Complete Required Insurance Continuing Education (CE) Credits

Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan. 

 Learn how to renew a Montana insurance license by clicking here.

Select a Line of Authority and Start Earning Your License Today:

Life & Health

This license qualifies you to explain, sell, and write life and health insurance products in Montana.


Property & Casualty

This license qualifies you to sell products designed to protect from financial issues as a result of damage or injury in Montana.

Personal Lines

This license qualifies you to sell a variety of insurance plans directly to consumers in Montana.



This license qualifies you to investigate and adjust any claim in connection with an insurance policy in Montana.