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Montana Health Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Insurance Producer — Business Entity

Agency authority for accident and health or sickness insurance, with licensed individuals designated to exercise its powers.

Licensing authority: Montana Department of Insurance · Application information

Business entity perpetual license continuation
No examination is required for this applicant pathway.
Active producer
Maintain at least one active licensed producer; maintain required designations; designated individuals satisfy their own licensing and CE requirements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity licensing by reciprocity
No examination is required for this applicant pathway.
Application
Submit the approved application or home-state application and required fees (33-17-401(1)(b)-(c)).
Background
CSI states that previously fingerprinted nonresidents typically do not need new fingerprints; yes answers to background questions require supporting documents.
Entity
Nonresident business entity with a designated licensed individual responsible for Montana compliance.
Home license
Hold an active resident license in good standing for the requested authority in the home state. Other-state examinations are applicant conditions, not Montana examination leaves (33-17-401(1); CSI nonresident steps).
Prior license window
33-17-212(7) excuses prelicensing education or examination for a previously licensed nonresident who is currently licensed or applies within 90 days after cancellation with official good-standing confirmation; it does not remove the separate licensing requirements of 33-17-401.
Reciprocity
Home state must award Montana residents nonresident producer licenses on the same basis (33-17-401(1)(d)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity requalification
No examination is required for this applicant pathway.
Application
Submit the approved application or home-state application and required fees (33-17-401(1)(b)-(c)).
Background
CSI states that previously fingerprinted nonresidents typically do not need new fingerprints; yes answers to background questions require supporting documents.
Entity
Requalifying business entity must designate a licensed responsible producer; disciplinary waiting periods and twice-revoked bar apply.
Home license
Hold an active resident license in good standing for the requested authority in the home state. Other-state examinations are applicant conditions, not Montana examination leaves (33-17-401(1); CSI nonresident steps).
Prior license window
33-17-212(7) excuses prelicensing education or examination for a previously licensed nonresident who is currently licensed or applies within 90 days after cancellation with official good-standing confirmation; it does not remove the separate licensing requirements of 33-17-401.
Reciprocity
Home state must award Montana residents nonresident producer licenses on the same basis (33-17-401(1)(d)).

Official no-examination sources

Effective from 2026-09-22.

Business entity reissuance after lapse within one year
No examination is required for this applicant pathway.
Entity
Same prior authority; no commissioner suspension, revocation or termination; maintain a designated licensed responsible producer.
Lapse
Reinstatement fee and prior-biennium continuing education certification where applicable, within one year (33-17-1002(2)); reissuance at commissioner discretion.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensing
MT Health
Designated individual examinations
Each individual named to exercise license powers must meet examination qualifications unless a 33-17-212(6) exception applies. Previously passed currently offered examinations remain involved; no new sitting is implied for an exempt individual.
Entity
Resident business entity; insurance transactions must fall within its organizational purposes; corporations must have the required Secretary of State existence or registration (33-17-211(3)(e)).
Fee
Pay the applicable entity and designated individual license fees (33-17-211(2)-(3)).
Responsible producer
Designate a licensed individual producer responsible for compliance; each member, employee, officer, director or stockholder acting as a producer must be licensed (33-17-211(2)-(3)).
Resident business entity requalification after revocation or expired reinstatement window
MT Health
Designated individual examinations
Each individual named to exercise license powers must meet examination qualifications unless a 33-17-212(6) exception applies. Previously passed currently offered examinations remain involved; no new sitting is implied for an exempt individual.
Entity
Resident business entity; insurance transactions must fall within its organizational purposes; corporations must have the required Secretary of State existence or registration (33-17-211(3)(e)).
Fee
Pay the applicable entity and designated individual license fees (33-17-211(2)-(3)).
Previous license
Outside the 12-month examination exception or prior license revoked; after revocation, wait at least one year, subject to up to five years of refusal and the twice-revoked bar. Individuals not personally at fault may qualify under 33-17-1002(4).
Responsible producer
Designate a licensed individual producer responsible for compliance; each member, employee, officer, director or stockholder acting as a producer must be licensed (33-17-211(2)-(3)).
Resident producer association license for public risks
No examination is required for this applicant pathway.
Application
President and secretary apply in the association name; applicable fee; commissioner may revoke after noticed hearing when public interest or disciplinary grounds require.
Association
Association of licensed Montana producers existing substantially for purposes other than insurance (33-17-211(4)).
Scope
Solely to place the properties, interests and risks of Montana and other public agencies, bodies and institutions; this survey concerns its health insurance authority only.

Official no-examination sources

Effective from 2026-09-22.

Certified Exchange Producer

Certification for producers selling, soliciting, or negotiating insurance through an exchange, requiring completion of the producer exchange training and certification program prescribed and approved by the commissioner.

Licensing authority: Montana Commissioner of Securities and Insurance · Application information

Initial Certified Exchange Producer certification
No examination is required for this applicant pathway.
Application
Apply for Certified Exchange Producer certification through NIPR or paper application; no state certification fee; NIPR processing fee applies.
Appointments
Request appointments with all marketplace carriers.
Assessment scope
The state defines this certification through training and application and names no separate examination; training completion is an applicant condition.
Federal training
Complete federal marketplace training, approximately five online hours, via MLMS or a CMS-approved vendor (CSI state training requirements).
Producer license
Hold appropriate health producer authority before selling through an exchange (33-17-201; 33-17-243).

Official no-examination sources

Effective from 2026-09-22.

Returning Certified Exchange Producer annual registration and training
No examination is required for this applicant pathway.
Annual training
Complete annual federal marketplace registration and training; maintain underlying producer authority and carrier appointments.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Accident and Health or Sickness

Individual authority for accident and health or sickness insurance, called disability insurance in the examination statute and handbook.

Licensing authority: Montana Department of Insurance · Application information

Continuation of pre 1961 licensed authority
No examination is required for this applicant pathway.
Continuing education
Applicable continuing education and reporting obligations continue, unless commissioner exempts them.
Continuous license
Lawfully licensed for the same authority as of or immediately before January 1, 1961, and continuously licensed since; statutory examination exception (33-17-212(6)(a)).

Official no-examination sources

Effective from 2026-09-22.

Reactivation after armed forces inactive status
No examination is required for this applicant pathway.
Inactive
Producer placed inactive upon active armed-forces service may not transact insurance during inactive status.
Return
Notify commissioner when discharged to be taken off inactive status; CE and fees are waived while inactive (33-17-219(3)-(5)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident addition of accident and health or sickness authority
No examination is required for this applicant pathway.
Application
Submit the approved application or home-state application and required fees (33-17-401(1)(b)-(c)).
Background
CSI states that previously fingerprinted nonresidents typically do not need new fingerprints; yes answers to background questions require supporting documents.
Existing license
Existing active Montana nonresident producer license; requested health authority must be held in the home state.
Home license
Hold an active resident license in good standing for the requested authority in the home state. Other-state examinations are applicant conditions, not Montana examination leaves (33-17-401(1); CSI nonresident steps).
Prior license window
33-17-212(7) excuses prelicensing education or examination for a previously licensed nonresident who is currently licensed or applies within 90 days after cancellation with official good-standing confirmation; it does not remove the separate licensing requirements of 33-17-401.
Reciprocity
Home state must award Montana residents nonresident producer licenses on the same basis (33-17-401(1)(d)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the approved application or home-state application and required fees (33-17-401(1)(b)-(c)).
Background
CSI states that previously fingerprinted nonresidents typically do not need new fingerprints; yes answers to background questions require supporting documents.
Home license
Hold an active resident license in good standing for the requested authority in the home state. Other-state examinations are applicant conditions, not Montana examination leaves (33-17-401(1); CSI nonresident steps).
Prior license window
33-17-212(7) excuses prelicensing education or examination for a previously licensed nonresident who is currently licensed or applies within 90 days after cancellation with official good-standing confirmation; it does not remove the separate licensing requirements of 33-17-401.
Reciprocity
Home state must award Montana residents nonresident producer licenses on the same basis (33-17-401(1)(d)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident late renewal or reapplication
No examination is required for this applicant pathway.
Application
Submit the approved application or home-state application and required fees (33-17-401(1)(b)-(c)).
Background
CSI states that previously fingerprinted nonresidents typically do not need new fingerprints; yes answers to background questions require supporting documents.
Home license
Hold an active resident license in good standing for the requested authority in the home state. Other-state examinations are applicant conditions, not Montana examination leaves (33-17-401(1); CSI nonresident steps).
Prior license window
33-17-212(7) excuses prelicensing education or examination for a previously licensed nonresident who is currently licensed or applies within 90 days after cancellation with official good-standing confirmation; it does not remove the separate licensing requirements of 33-17-401.
Reciprocity
Home state must award Montana residents nonresident producer licenses on the same basis (33-17-401(1)(d)).
Restoration
Late renewals within one year; inactive licenses require reapplication; lapsed license reinstatement requires fee and prior-biennium CE certification under 33-17-1002(2).

Official no-examination sources

Effective from 2026-09-22.

Nonresident requalification after revocation
No examination is required for this applicant pathway.
Application
Submit the approved application or home-state application and required fees (33-17-401(1)(b)-(c)).
Background
CSI states that previously fingerprinted nonresidents typically do not need new fingerprints; yes answers to background questions require supporting documents.
Discipline
Wait at least one year; commissioner may refuse up to five years; two revocations bar further licensing (33-17-1002(3)).
Home license
Hold an active resident license in good standing for the requested authority in the home state. Other-state examinations are applicant conditions, not Montana examination leaves (33-17-401(1); CSI nonresident steps).
Prior license window
33-17-212(7) excuses prelicensing education or examination for a previously licensed nonresident who is currently licensed or applies within 90 days after cancellation with official good-standing confirmation; it does not remove the separate licensing requirements of 33-17-401.
Reciprocity
Home state must award Montana residents nonresident producer licenses on the same basis (33-17-401(1)(d)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Home license
Maintain home-state good standing; satisfy reciprocal home-state continuing education (33-17-408(2)).
Renewal
Remit biennial renewal fee; CSI opens renewal 90 days before expiration (33-17-409; CSI nonresident steps).

Official no-examination sources

Effective from 2026-09-22.

Resident addition of accident and health or sickness authority
MT Health
Age
At least 18 years old (MCA 33-17-211(1)(a)).
Background
Complete the licensing background examination and resident fingerprints/consent requirements (33-17-201(3), 33-17-211(1)(i); CSI resident instructions).
Existing license
Hold a producer license for another line and apply to add accident and health or sickness; pass the requested line examination.
Fees
Pay the applicable license fees (33-17-211(1)(c)).
Funeral business
For life or disability insurance, satisfy the funeral director, undertaker, mortician and related business restrictions in 33-17-211(1)(h), subject to its stated exception.
Integrity
Competent, trustworthy and of good reputation; no disqualifying act under MCA 33-17-1001; truthful complete application (33-17-211(1)).
Qualification
Experience, training or other qualification for the requested insurance line and reasonable familiarity with the insurance code (33-17-211(1)(g)).
Score window
Pass the line examination within 12 months of the application (33-17-211(1)(d)).
Resident initial licensure by examination
MT Health
Age
At least 18 years old (MCA 33-17-211(1)(a)).
Background
Complete the licensing background examination and resident fingerprints/consent requirements (33-17-201(3), 33-17-211(1)(i); CSI resident instructions).
Fees
Pay the applicable license fees (33-17-211(1)(c)).
Funeral business
For life or disability insurance, satisfy the funeral director, undertaker, mortician and related business restrictions in 33-17-211(1)(h), subject to its stated exception.
Integrity
Competent, trustworthy and of good reputation; no disqualifying act under MCA 33-17-1001; truthful complete application (33-17-211(1)).
Qualification
Experience, training or other qualification for the requested insurance line and reasonable familiarity with the insurance code (33-17-211(1)(g)).
Residence
Montana resident.
Score window
Pass the line examination within 12 months of the application (33-17-211(1)(d)).
Resident new application after examination exemption expires
MT Health
Age
At least 18 years old (MCA 33-17-211(1)(a)).
Background
Complete the licensing background examination and resident fingerprints/consent requirements (33-17-201(3), 33-17-211(1)(i); CSI resident instructions).
Fees
Pay the applicable license fees (33-17-211(1)(c)).
Funeral business
For life or disability insurance, satisfy the funeral director, undertaker, mortician and related business restrictions in 33-17-211(1)(h), subject to its stated exception.
Integrity
Competent, trustworthy and of good reputation; no disqualifying act under MCA 33-17-1001; truthful complete application (33-17-211(1)).
Previous license
Prior Montana health license outside the 12-month exemption in 33-17-212(6)(b); satisfy current issuance qualifications.
Qualification
Experience, training or other qualification for the requested insurance line and reasonable familiarity with the insurance code (33-17-211(1)(g)).
Score window
Pass the line examination within 12 months of the application (33-17-211(1)(d)).
Resident reissuance within 12 months of prior licensing
No examination is required for this applicant pathway.
Lapse
For a lapsed license, pay reinstatement fee and file certification of prior-biennium continuing education within one year; reissuance is at commissioner discretion (33-17-1002(2)).
Previous license
Same authority held in Montana, other than under a temporary license, within 12 months; prior license must not have been suspended, revoked or terminated by the commissioner (33-17-212(6)(b)).

Official no-examination sources

Effective from 2026-09-22.

Resident requalification after revocation
MT Health
Age
At least 18 years old (MCA 33-17-211(1)(a)).
Background
Complete the licensing background examination and resident fingerprints/consent requirements (33-17-201(3), 33-17-211(1)(i); CSI resident instructions).
Discipline
Wait at least one year after revocation; commissioner may refuse issuance for up to five years; twice-revoked persons are ineligible (33-17-1002(3)).
Fees
Pay the applicable license fees (33-17-211(1)(c)).
Funeral business
For life or disability insurance, satisfy the funeral director, undertaker, mortician and related business restrictions in 33-17-211(1)(h), subject to its stated exception.
Integrity
Competent, trustworthy and of good reputation; no disqualifying act under MCA 33-17-1001; truthful complete application (33-17-211(1)).
Qualification
Experience, training or other qualification for the requested insurance line and reasonable familiarity with the insurance code (33-17-211(1)(g)).
Score window
Pass the line examination within 12 months of the application (33-17-211(1)(d)).
Resident biennial continuation and renewal
No examination is required for this applicant pathway.
Continuing education
At least 24 approved credits per 24 months, including 3 ethics and 1 Montana legislative changes credit; certify completion biennially; commissioner exemptions and good-cause extension may apply (33-17-1203, 1205).
Status
License remains effective unless suspended, revoked, terminated or lapsed (33-17-214(5)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Producer

The statutory nonresident limited-lines form, restricted here to a home-state limited authority within accident and health or sickness; the home-state scope controls.

Licensing authority: Montana Commissioner of Securities and Insurance · Application information

Nonresident limited health authority licensing
No examination is required for this applicant pathway.
Application
Submit the approved application or home-state application and required fees (33-17-401(1)(b)-(c)).
Background
CSI states that previously fingerprinted nonresidents typically do not need new fingerprints; yes answers to background questions require supporting documents.
Home license
Hold an active resident license in good standing for the requested authority in the home state. Other-state examinations are applicant conditions, not Montana examination leaves (33-17-401(1); CSI nonresident steps).
Limited scope
Home-state limited authority within accident and health or sickness; Montana grants exactly that scope, less than the full major-line authority. Applies to individuals and business entities; entities maintain a designated responsible producer.
Prior license window
33-17-212(7) excuses prelicensing education or examination for a previously licensed nonresident who is currently licensed or applies within 90 days after cancellation with official good-standing confirmation; it does not remove the separate licensing requirements of 33-17-401.
Reciprocity
Home state must award Montana residents nonresident producer licenses on the same basis (33-17-401(1)(d)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited health authority renewal or reinstatement
No examination is required for this applicant pathway.
Application
Submit the approved application or home-state application and required fees (33-17-401(1)(b)-(c)).
Background
CSI states that previously fingerprinted nonresidents typically do not need new fingerprints; yes answers to background questions require supporting documents.
Home license
Hold an active resident license in good standing for the requested authority in the home state. Other-state examinations are applicant conditions, not Montana examination leaves (33-17-401(1); CSI nonresident steps).
Limited scope
Maintain the home-state limited health authority and renew biennially; lapsed reissuance within one year requires reinstatement fee and CE certification where applicable.
Prior license window
33-17-212(7) excuses prelicensing education or examination for a previously licensed nonresident who is currently licensed or applies within 90 days after cancellation with official good-standing confirmation; it does not remove the separate licensing requirements of 33-17-401.
Reciprocity
Home state must award Montana residents nonresident producer licenses on the same basis (33-17-401(1)(d)).

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

Temporary continuation of health producer authority in the circumstances listed in MCA 33-17-216.

Licensing authority: Montana Commissioner of Securities and Insurance · Application information

Temporary license following producer death
No examination is required for this applicant pathway.
Applicant
Surviving spouse, next of kin, administrator or executor, or their employee following producer death.
Qualifications
Qualified as to age, residence and trustworthiness; approved application (33-17-216(1)-(2)).
Scope
Existing health authority of producer being replaced; death/disability temporary holders cannot add new insurance kinds (33-17-217).
Term
Up to 90 days, with discretionary extension up to another 90 days; death-related license may continue until business disposition, at most 15 months; next-of-kin extension ends upon executor/administrator qualification (33-17-216(3)).

Official no-examination sources

Effective from 2026-09-22.

Temporary license following producer disability
No examination is required for this applicant pathway.
Applicant
Spouse, next of kin, employee or legal guardian following injury or physical or mental illness of a licensed producer.
Qualifications
Qualified as to age, residence and trustworthiness; approved application (33-17-216(1)-(2)).
Scope
Existing health authority of producer being replaced; death/disability temporary holders cannot add new insurance kinds (33-17-217).
Term
Up to 90 days, with discretionary extension up to another 90 days; death-related license may continue until business disposition, at most 15 months; next-of-kin extension ends upon executor/administrator qualification (33-17-216(3)).

Official no-examination sources

Effective from 2026-09-22.

Temporary license following death or disability of designated agency producer
No examination is required for this applicant pathway.
Applicant
Partnership employee or corporation officer or employee after death or disability of the designated licensed individual.
Qualifications
Qualified as to age, residence and trustworthiness; approved application (33-17-216(1)-(2)).
Scope
Existing health authority of producer being replaced; death/disability temporary holders cannot add new insurance kinds (33-17-217).
Term
Up to 90 days, with discretionary extension up to another 90 days; death-related license may continue until business disposition, at most 15 months; next-of-kin extension ends upon executor/administrator qualification (33-17-216(3)).

Official no-examination sources

Effective from 2026-09-22.

Extension of temporary health producer license
No examination is required for this applicant pathway.
Commissioner discretion
Extension subject to commissioner discretion and statutory term limits; no new line of authority.

Official no-examination sources

Effective from 2026-09-22.

Temporary license for producer entering active military service
No examination is required for this applicant pathway.
Applicant
Designee of a licensed producer entering active US armed-forces service.
Qualifications
Qualified as to age, residence and trustworthiness; approved application (33-17-216(1)-(2)).
Scope
Existing health authority of producer being replaced; death/disability temporary holders cannot add new insurance kinds (33-17-217).
Term
Up to 90 days, with discretionary extension up to another 90 days; death-related license may continue until business disposition, at most 15 months; next-of-kin extension ends upon executor/administrator qualification (33-17-216(3)).

Official no-examination sources

Effective from 2026-09-22.

Temporary license issued in other public interest circumstances
No examination is required for this applicant pathway.
Applicant
Commissioner finds that issuing the temporary license best serves the public interest.
Qualifications
Qualified as to age, residence and trustworthiness; approved application (33-17-216(1)-(2)).
Scope
Existing health authority of producer being replaced; death/disability temporary holders cannot add new insurance kinds (33-17-217).
Term
Up to 90 days, with discretionary extension up to another 90 days; death-related license may continue until business disposition, at most 15 months; next-of-kin extension ends upon executor/administrator qualification (33-17-216(3)).

Official no-examination sources

Effective from 2026-09-22.

MT Health

Provider
Pearson VUE
Format
Computer-based written examination, test-center or OnVUE delivery; general and Montana-specific portions
Exam questions
92 scored questions and 10 pretest questions: 50 + 5 general, 42 + 5 Montana-specific
Time limit
General portion: 75 minutes; Montana-specific portion: 60 minutes
Passing score
Scaled score of 75
Examination outline
  • General knowledge — I. Types of Policies
    • A. Disability income
    • A.1. Individual disability income policy
    • A.2. Business overhead expense policy
    • A.3. Business disability buyout policy
    • A.4. Group disability income policy
    • A.5. Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C.1. Basic hospital, medical, and surgical policies
    • C.2. Major medical policies
    • C.3. Health Maintenance Organizations (HMOs)
    • C.4. Preferred Provider Organizations (PPOs)
    • C.5. Point of Service (POS) plans
    • C.6. Flexible Spending Accounts (FSAs)
    • C.7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C.8. Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E.1. Differences between individual and group contracts
    • E.2. General characteristics
    • E.3. COBRA
    • F. Individual/Group Long Term Care (LTC)
    • F.1. Eligibility
    • F.2. Levels of care
    • G. Other policies
    • G.1. Dental
    • G.2. Vision
    • G.3. Cancer
    • G.4. Critical illness or specified disease
    • G.5. Worksite (employer-sponsored)
    • G.6. Hospital indemnity
    • G.7. Short-term medical
    • G.8. Accident
  • General knowledge — II. Policy Provisions, Clauses, and Riders
    • A. Mandatory and optional provisions
    • A.1. Entire contract
    • A.2. Time limit on certain defenses (incontestable)
    • A.3. Grace period
    • A.4. Reinstatement
    • A.5. Notice of claim
    • A.6. Claim forms
    • A.7. Proof of loss
    • A.8. Time of payment of claims
    • A.9. Payment of claims
    • A.10. Physical examination and autopsy
    • A.11. Legal actions
    • A.12. Change of beneficiary
    • A.13. Misstatement of age or gender
    • A.14. Change of occupation
    • A.15. Illegal occupation
    • A.16. Relation of earnings to insurance
    • B. Other provisions and clauses
    • B.1. Insuring clause
    • B.2. Free look
    • B.3. Consideration clause
    • B.4. Probationary period
    • B.5. Elimination period
    • B.6. Waiver of premium
    • B.7. Exclusions and limitations
    • B.8. Preexisting conditions
    • B.9. Coinsurance
    • B.10. Deductibles
    • B.11. Eligible expenses
    • B.12. Copayments
    • B.13. Pre-authorizations and prior approval requirements
    • B.14. Usual, reasonable, and customary (URC) charges
    • B.15. Lifetime, annual, or per cause maximum benefit limits
    • C. Riders
    • C.1. Impairment/exclusions
    • C.2. Guaranteed insurability
    • C.3. Future increase option
    • D. Rights of renewability
    • D.1. Noncancelable
    • D.2. Cancelable
    • D.3. Guaranteed renewable
  • General knowledge — III. Social Insurance
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • General knowledge — IV. Other Insurance Concepts
    • A. Total, partial, recurrent and residual disability
    • B. Owner's rights
    • C. Dependent children benefits
    • D. Primary and contingent beneficiaries
    • E. Modes of premium payments
    • F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • G. Occupational vs. non-occupational
    • H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • I. Managed care
    • J. Workers Compensation
    • J.1. Impact on health insurance benefits
    • K. Subrogation
    • L. Cost containment
  • General knowledge — V. Field Underwriting Procedures
    • A. Completing the application
    • B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • D. Submitting application (and initial premium if collected) to company for underwriting
    • E. Policy delivery
    • F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • G. Replacement
    • H. Contract law
    • H.1. Elements of a contract
    • H.2. Insurable interest
    • H.3. Warranties and representations
    • H.4. Unique aspects of the insurance contract
    • H.4.a. Conditional
    • H.4.b. Unilateral
    • H.4.c. Adhesion
    • H.4.d. Aleatory
  • Montana-specific — I. Montana Statutes and Rules Common to Life, Disability (A&H) Insurance
    • A. Insurance Commissioner/Department
    • A.1. Broad powers and duties
    • A.2. Examination of records
    • A.3. Cease and desist orders
    • A.4. Penalties
    • B. General Definitions
    • B.1. Domestic, foreign, alien
    • B.2. Insurance transactions
    • B.3. Authorized/unauthorized companies and certificate of authority
    • B.4. Fraternals and their producers
    • C. Licensing Requirements
    • C.1. Definitions
    • C.2. Nonresident/reciprocal producer
    • C.3. Consultant
    • C.4. Administrator
    • C.5. Continuing education
    • C.6. Temporary licenses
    • C.7. Eligibility for license
    • C.8. Suspension, revocation, and termination of licenses
    • C.9. Producer appointment/contract cancellation
    • C.10. Resident producer
    • D. Unfair Trade Practices
    • D.1. False advertising
    • D.2. Rebating
    • D.3. Twisting
    • D.4. Misrepresentation
    • D.5. Defamation
    • D.6. Excess fees/charges
    • D.7. Unfair claims practices
    • E. Licensee Responsibilities
    • E.1. Fiduciary capacity
    • E.2. Commission sharing
    • E.3. Place of business/recordkeeping
    • E.4. Principal producer relationship
    • F. Rate and Form Regulations
    • G. Life and Health Insurance Guaranty Association
    • H. Insurance Information & Privacy Protection Act
    • I. Basic Contract Language
    • J. Insurance Fraud Protection Act
  • Montana-specific — II. Montana Statutes and Rules Pertinent to Disability (A&H) Insurance Only
    • A. Required Coverage and Provisions
    • A.1. Newborn and adopted children
    • A.2. Disabled dependents
    • A.3. Continuation of coverage
    • A.4. Maternity
    • A.5. Home health care
    • A.6. Mental Illness, alcoholism, and drug abuse treatment
    • A.7. Policy provisions
    • A.8. Explanation of charges
    • A.9. Continuity of coverage
    • A.10. Disclosure standards
    • A.11. Elder Abuse Prevention Act
    • B. Medicare Supplements
    • B.1. Policy provisions
    • B.2. Disclosure requirements
    • B.3. Replacement regulations
    • C. Group Disability
    • C.1. Required coverages and provisions
    • C.2. Coordination of benefits (COB)
    • D. Health Maintenance Organizations (HMO)
    • E. Health Service Corporations
    • F. Special Policies
    • F.1. Credit Disability
    • F.2. Blanket Disability
    • G. Preferred Provider Agreements Act
    • H. Freedom of Choice in Selection of Practitioners
    • I. Coverage for Insureds in Special Circumstances
    • I.1. Residents of state institutions
    • I.2. Public assistance recipients
    • J. Long-term Care
    • J.1. Activities of daily living
    • J.2. Nonforfeiture
    • J.3. Pre-existing conditions
Examination sources