Montana (MT) Insurance Exam Prep Courses
Get your Montana insurance license using an America’s Professor online training course. Our comprehensive video lectures, review questions and study guide will help you learn, and retain, the material needed to pass your Montana Insurance Adjuster license exam, Montana Property and Casualty license exam, or other Montana insurance license exams the first time!
Start your path to success today! Please take a look at our Montana Insurance Pre-Licensing Courses below for Property, Casualty, Life and Health:
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Our goal is for your educational experience to be a positive one! If you are dissatisfied with your course, please let us know as soon as possible. We will make it right. If you start the course and realize it’s just not for you, let us know and return the materials and we will provide a full refund. Refunds are not available after the course certificate of completion has been issued.
If you are unable to complete your course within the initial subscription time, please give us a call at 1-800-870-3130 and we will extend your subscription for free until you finish.
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Company Specific Courses
Please see here for more information on company courses. If you already have a course set up with us please use the search field at the top of the page to search for your company.
How to Pass the Montana Insurance License Exam
Insurance licensing exams are challenging. Whether you’re going for your P&C license or your Life & Health license in Montana, you need to understand the complex insurance concepts and terminology you’ll see on your exam.
There are no shortcuts. Don’t rely on practice quizzes you find online. These tools simply don’t provide the foundational knowledge you need to pass the exam.
Enrolling in a comprehensive pre-licensing course is the best way to prepare.
Below we answer some of the most common questions people have about the Montana insurance licensing exam and explain how to give yourself the best chance of passing on the first try.
Is the Montana insurance exam hard?
Every exam is challenging in its own way.
Both the Property & Casualty exam and the Life & Health exam will challenge you with questions about the different types of insurance policies, how they work, what they cover, and how they are regulated at the state and federal levels.
In general, students report that the Health portion of the Montana Life & Health exam is more difficult. This is because health insurance policies tend to be more complicated than life insurance.
Similarly, students report that the Casualty portion of the Property & Casualty exam is more challenging since it deals with more conceptual topics like liability insurance. Property insurance deals with issues like fire, floods, and earthquakes, which are generally easier to understand.
How many questions are on the Montana insurance exam?
The number of questions varies for each exam.
- The Montana Life exam has a total of 103 questions (86 scorable questions plus 17 “pretest” questions that don’t count toward your score).
- The Montana Accident & Health exam has a total of 110 questions (92 scorable questions plus 18 “pretest” questions that don’t count toward your score).
- The Montana Property exam has a total of 99 questions (82 scorable questions plus 17 “pretest” questions that don’t count toward your score).
- The Montana Casualty exam has a total of 105 questions (87 scorable questions plus 18 non-scorable “pretest” questions).
See the test content outlines for more information about the number of questions on each exam.
What score do I need to pass?
In Montana, you need a score of 75 to pass each exam. This is higher than in other states, many of which only require a passing score of 70.
The exams are divided into two sections: a state-specific section and a national section. The state-specific portion is much more granular and deals with trivial state laws and regulations, while the national portion is more general (and usually easier).
The Montana Insurance Department requires test takers to pass the national exam and the state exam at the same time, so if you fail one you must retake both exams.
Also be aware that you need a score of 75 on both sections of the Montana exam to pass—the scores are not averaged together.
Your exam will be scored on the spot, so you will know right away whether you passed. But you will not be told which questions you got right or wrong.
If you don’t pass on your first try, you can sign up to take the test again after a mandatory waiting period—usually 1-3 days.
Can I take the exam online?
Yes, you can take a proctored exam online through Pearson VUE (the company that administers the exams). “Proctored” means someone monitors you through your computer’s webcam while you take the exam. Learn more here.
You can also take the exam in person at one of several testing locations in Montana. Currently, there are testing centers in Billings, Helena, Missoula, and Spokane Valley (WA).
How should I study for the exam?
The best way to study for the exam is to spend an entire week studying, just like you would with an in-person exam prep course. If this isn’t possible because you work or go to school, create a strict study schedule, and stick to it.
You should plan to spend 35-40 hours studying. This is how much time it takes for the average student to really absorb the material.
Aim for 3-4 hours of study time per day/night for at least two weeks before your exam. Study right up until the day of the exam to keep the information fresh in your mind.
Why take a course through America’s Professor?
Don’t settle for low-quality study guides or practice quizzes you find online. Instead, enroll in a comprehensive pre-licensing course through a reputable provider, like America’s Professor.
Our affordable online courses are taught by award-winning professor Dr. Jack Morton, who uses real-world examples and stories to keep you engaged and help you make sense of complex insurance concepts.
Each America’s Professor course gives you access to streaming video lessons that are accessible 24/7. You’ll also get a comprehensive hardcopy textbook to complement the online material along with plenty of practice quizzes—all backed by our outstanding customer support.
Hear what our students are saying about our courses and enroll in an exam prep course today!
I wanted to take a moment to share my experience with the Life and Health licensing process, as I believe it may offer valuable insights for others. FIRST AND FOREMOST, I found that while the quizzes provided through the course were beneficial, THEY DID NOT PREPARE ME FOR THE ACTUAL TESTS. Despite performing exceptionally well on the quizzes, I faced considerable challenges during the life insurance exam. it is worth noting that candidates are allowed only TWO ATTEMPTS ONLINE< AFTER failing twice, one must take the exam at a testing center. I found the questions to be particularly TRICKY, often employing interchangeable terminology that can easily lead to confusion. my advice is to thoroughly read the text book materials and approach each question with care. IF JACK SAYS ITS A TEST QUESTION, STUDY IT! Also, understand the QUICK TERMS AT THE END OF THE CHAPTERS.
Additionally, I encountered an unexpected setback during my second attempt on the life test, unfortunately, my privilege to take the exam online was revoked due to the use of my Chapstick, which was mistakenly interrupted as a form of cheating. I emphasize to future test-takers the importance of being cautions and adhering strictly to testing protocols to avoid complications
Regarding the health insurance test, my experience is similarly challenging. TODAY WAS MY SECOND ATTEMPT FOR THE HEALTH TEST- Failed the second time. I passed the national and failed the state part, the first attempt I passed the state test and failed the national test. I learned that it is important to note that candidates must pass both the national and state exams; failing one requires retaking both. this requirement added to my frustration, and I found myself in a prolonged study period of over three months. without success.
For anyone who thrives with direct instruction, I highly recommend seeking a class to assist with understanding the material. The material online provided by American professor in my opinion, aren’t effective as it would be with a live instructor. Conversely, if you are someone who excels at self study, the program can offer you valuable content for you to work through independently.
IN CONCLUSION, I want to encourage all prospective candidates to approach tests with patience and diligence. the exam format is designed to challenge you, often using confusing language, so reading questions slowly and carefully is crucial. If you find yourself struggling, I highly recommend reach out to PAT for assistance; he is excellent at explain complex concepts and can offer much needed support.
Despite the challenges I’ve faced, I remain optimistic and committed to achieving my health insurance license. I believe that with persistence and the right strategies, success is attainable.
I hope this reflection proves helpful to you! I am rescheduling my HEALTH TEST TODAY FOR WEDNESDAY! WISH ME LUCK!
AP RESPONSE: Hi Mindi, thanks for your feedback. The amount of time taken to complete the course definitely comes into play when trying to retain all the potential material you will be tested on. Be careful not to take the review questions over and over again as a way to retain the material as it usually only leads to students memorizing our questions. What’s important is the content in the video lectures and the book and that you be fully knowledgeable on that content when you go into take your exam. It’s a difficult exam for a reason and people often have to take it more than once. Sorry to hear you had a poor experience with the test provider. Unfortunately, we have no control over how they operate. I have shared your Chapstick experience with our team, hopefully they can help someone else from experiencing the same thing (I know I’m an avid Chapstick user too!). Pat said he’s been working with you and I have faith he will help you get past this difficult exam! Hang in there!