Montana Life & Health Insurance Practice Test 2026
Practice the exam Montana uses, from general life & health knowledge to Montana's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Montana's own insurance law.
Life 86, Health 92 scored questions. The time limit and passing score are set by Montana; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Montana Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Montana Life & Health test
Montana's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies15 Qs
- Life Provisions, Riders, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Policy12 Qs
- Retirement and Other Insurance Concepts8 Qs
- Montana Statutes and Rules Common to Life, Disability (a&h), Property and Casualty Insurance25 Qs
- Montana Statutes and Rules Pertinent to Life Insurance and Annuities Only11 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Montana Statutes and Rules Common to Life, Disability (a&h) Insurance25 Qs
- Montana Statutes and Rules Pertinent to Disability (a&h) Insurance Only17 Qs
Source: Montana Insurance Supplement — Examination Content Outlines Effective: March 2, 2026; Pearson VUE #122703 | 03/2026 (Montana Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Montana exam
Montana official sources
- Unfair claim settlement practices prohibitedMont. Code Ann. s. 33-18-201 · Montana Legislative Services Division
- Misrepresentation and false advertising of policies prohibitedMont. Code Ann. s. 33-18-202 · Montana Legislative Services Division
- Standard life insurance policy provisionsMont. Code Ann. ss. 33-20-104 to 33-20-119 · Montana Legislative Services Division
- Suspension, revocation, or refusal of licenseMont. Code Ann. s. 33-17-1001 · Montana Legislative Services Division
- Code Annotated Title 33 Chapter 15The Insurance Contract (33-15-101 through 33-15-1126) · Montana Legislative Services Division (archive.legmt.gov)
- Code Annotated Title 33 Chapter 17Insurance Producers, Adjusters, Consultants and Administrators (33-17-101 through 33-17-1205) · Montana Legislative Services Division (archive.legmt.gov)
- Code Annotated Title 33 Chapter 20Life Insurance and Annuity Contracts (33-20-101 through 33-20-1606) · Montana Legislative Services Division (archive.legmt.gov)
- Disability Insurance: general provisions, individual policy provisions, coverage requirements, group and blanket (33-22-101 through 33-22-604)Montana Code Annotated Title 33 Chapter 22 Parts 1-6 · Montana Legislative Services Division (archive.legmt.gov)
All Montana insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Montana provisions the questions on this page cite most often.
- Mont. Code Ann. § 33-18-202 · Misrepresentation and False Advertising of Policies Prohibited5 questions
- Mont. Code Ann. § 33-17-1001 · Fraudulent or dishonest practices3 questions
- Mont. Code Ann. § 33-18-201 · Unfair Claim Settlement Practices3 questions
- Mont. Code Ann. Title 33 Chapter 17 § 33-17-214 · Duty to Report a Change of Address3 questions
- Mont. Code Ann. Title 33 Chapter 20 § 33-20-150 · Contracts must conform to adopted rules3 questions
- Mont. Code Ann. Title 33 Chapter 22 § 33-22-1602 · Notice of third-party action3 questions
- Mont. Code Ann. § 33-20-104 · Grace period2 questions
- Mont. Code Ann. § 33-20-107 · Misstatement of age2 questions
Exam figures on this page were checked against official pages: Testing company · Exam fee. Confirm anything you rely on with the testing company and the Montana Department of Insurance.