How to pass the Montana Insurance Licensing Exam
Are you considering getting an insurance license in the state of Montana? If you are, then you probably have a lot of questions about where to go, who to talk to and what to do. Fortunately, America’s Professor has pulled together all of our knowledge and resources to create one comprehensive site with the answers you require. Below you will find sample questions, basics of test format and scoring, pricing, testing locations, how to fully prepare yourself for the exam and more!
We’re here to help you succeed and that means providing you with the best information available. Our courses offer preparation for all types of state insurance licensing exams and they are available to you at the click of a mouse. Read on and enroll today!
All of the Montana insurance exam questions are multiple choice. There are no fill-ins (no need to memorize) and no essay (no need to be ready to explain anything) questions.
A multiple choice test will usually test heavily on definitions (terminology) and numbers (dollar amounts and number of days).
The exam is drawn from a large pool of questions – you will have a different set of questions than the person sitting next to you. If you retake the exam, expect to see very few of the questions repeated on the next exam. Students report that the exams vary greatly in terms of the number of questions on any given topic.
Students report that about 1/3 of the questions are terminology (definitional) questions, 1/3 are number/day questions, and 1/3 are questions where you have to apply the knowledge to reason through a practical situation (story problems – usually short).
There are 4 basic exams given in most states – Life, Health, Property, and Casualty. In some states, the exams are combined (Property & Casualty). Some states have a Personal Lines exam for agents selling only homeowner or auto insurance.
In Montana, you need a score of 75 to pass each exam. But, each exam consists of two parts – the “national” insurance section and the “state rules” section. You will need a score of 75 on each section – the two scores are not averaged together. In Montana, you are required to pass the national exam and the state exam at the same time, so if you fail one you must retake both exams.
Our students always want to know if the questions regarding indemnification (for example) are grouped together. No, questions and topics are randomly scrambled, but that never seems to be a problem for anyone.
The cost is $59 for each exam (effective Aug. 1st 2018). A retake of any portion is the same fee. All candidates taking an Insurance Examination for the first time, as well as those who are adding a line to an existing license, must be digitally fingerprinted after they take the examination. The fee for digital fingerprinting is discussed below.
We recommend that you call Pearson VUE (the testing company) at 1-800-274-8906. Be sure to call at least 3 days in advance of the date you plan to take the exam. The earlier you sign up, the better your chances of getting the test date of your choice.
Who needs to be fingerprinted?
- Candidates taking an insurance examination for the first time; or
- Candidates who are adding a line to an existing license
*Fingerprints are only valid for 1 year. Candidates with fingerprints cards older than 1 year must be fingerprinted again.
What is the fingerprint process at the Test Centers?
- The fingerprints will be captured digitally on the required FD-258 card.
- Pearson VUE will submit the fingerprint cards directly to the Department of Justice in Montana.
- MT DOJ will forward the cards to the FBI.
All candidates taking an insurance examination for the first time, as well as those who are adding a line to an existing license, must be digitally fingerprinted after they take the examination. Candidates who are retaking an examination need not be fingerprinted a second time.
Pearson VUE has contracted with MorphoTrust USA™ (formerly L1-Enrollment) to provide digital fingerprinting at the following test centers:
- Billings, MT
- Missoula, MT
- Helena, MT
- Spokane, WA
Contact Pearson VUE’s fingerprint subcontractor, MorphoTrust USA™ either at https://pearsonwest.ibtfingerprint.com/ or by calling 1-866-761-8069, Monday through Saturday 8 a.m. to 5 p.m. (Pacific Time) to schedule a fingerprint reservation at your Exam Center. You MUST schedule an appointment with Pearson VUE for the insurance examination PRIOR to contacting MorphoTrust USA™ for the fingerprint appointment.
The fee for digital fingerprinting is $46.00. The following charges are included in the fingerprint fee:
- $20 to Pearson VUE’s fingerprint subcontractor, MorphoTrust USA™
- $12 to the FBI for background processing fee
- $10 to the Montana DOJ processing fee
- $4 to Pearson VUE
Each insurance licensing exam presents its own challenge. Between Life and Health, students say that the Montana Health insurance exam is the more difficult. Health insurance policies are simply more complicated than life insurance policies.
The Property insurance exam is easier than the Casualty insurance exam. Property insurance deals with easy to understand issues – fire, flooding, earthquake, etc. On the other hand, Casualty insurance deals primarily with Liability insurance – protection against lawsuits. Casualty insurance is a more conceptual topic and one that is more difficult for students to grasp – particularly if you have never been sued.
The state portion of the Montana insurance exam is very detailed and presents its own challenges. The state topics tend to cover trivial details relating to complicated state regulations. None of this is easy, but that is why we work so hard to make the material both understandable and memorable.
This is a challenging exam. Put yourself on a strict schedule as you do your exam prep work. Be focused and disciplined as you do your insurance test prep.
Yes. We have never had students say that they ran out of time to complete the exam. Most students finish in about half of the allotted time (up to 3 1/2 hours). The only students who ever report that they ran out of time were those who were trying to memorize questions in the event they had to repeat the exam. If English is not your first language you can request extra time by filling out Pearson VUE’s English as a Second Language (ESL) Request Form. Keep in mind that this form needs to be submitted to Pearson VUE, and approved, before scheduling your exam. You will also need to submit a a letter (on official letterhead) from an instructor, like America’s Professor, or employer that verifies English is your second language.
No, this is a computerized exam. Virtually all of the students say the proctors were helpful, the room was quiet, and the computer worked well. The proctors will give you the opportunity to complete a practice exam to learn how to use the system. When you are done, you will NOT be given a copy of the exam, nor will you be given the opportunity to review particular questions and their answers. The exam will be scored immediately and you will know your results when you leave.
There is no alternative to knowing the material. There are no shortcuts to learning but there are more effective and less frustrating ways to learn. We recommend that you follow a 4-step process:
- watch and listen to the lecture;
- highlight key concepts in the text;
- review questions in the test bank; and
- send AP an email if you have any questions.
|Montana Online Video Courses||Montana Sample Practice Exams|
- Montana Department of Insurance: http://sao.mt.gov/
- Montana Candidate Handbook, Content Outlines and Fingerprinting information: http://www.pearsonvue.com/mt/insurance/
- Montana Insurance Fingerprint FAQs (Pearson VUE): https://www.asisvcs.com/publications/pdf/122701.pdf
- Montana Insurance Fingerprint Handout (Pearson VUE): https://www.asisvcs.com/publications/pdf/122705.pdf
- NAIC Website: http://www.naic.org/
- America’s Professor Insurance Licensing Courses for Montana: https://americasprofessor.com/course_cat/montana-insurance-exam-prep-courses/