MT L&H
Montana Life & Health Insurance License Exam
Montana regulates Life & Health producer licensing through Montana Commissioner of Securities and Insurance (Montana Department of Insurance), with the exam delivered by Pearson VUE. Montana does not offer a combined Life & Health producer exam; no 'L&H' product exists. Life and Disability (Health) are separate standalone producer exams, each split into a General part + a Montana State part: Life = General (1h15m, 50 scored+5 pretest) + State (45m, 36 scored+5 pretest) = 2 hours total / 86 scored questions. Montana does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for Montana, covering national concepts plus Montana statute, producer duties, and ethics.
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MT L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Montana Life & Health Insurance License Exam |
| Governing Body | Montana Commissioner of Securities and Insurance (Montana Department of Insurance) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Montana Commissioner of Securities and Insurance (Montana Department of Insurance) official website ↗ |
MT L&H Content Areas and Domains
Domain areas are sourced from the Montana Commissioner of Securities and Insurance (Montana Department of Insurance) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Montana insurance law and regulations
How C3RT Helps You Pass the MT L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the MT L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real MT L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample MT L&H Practice Questions
Q1.Under Montana law, which of the following statements is true regarding the clause concerning irrevocable designations in a disability insurance policy?
- Insurers must include the clause in every new policy.
- The clause is mandatory for all disability income policies regardless of state.
- Only the insured individual has the authority to omit the clause.
- The insurer has the option to omit the clause from the policy.Correct
Montana law specifically allows insurers the option to exclude the irrevocable designation provision. The other options are incorrect because they suggest the clause is mandatory or that only the insured can choose to omit it.
Q2.In the state of Montana, which specific set of administrative rules governs the coordination of benefits for group disability insurance?
- Federal regulations
- NAIC standards
- The Montana Department of Insurance General Code
- ARM 6.6.2401 through 6.6.2405Correct
Montana specifically utilizes Administrative Rules of Montana (ARM) 6.6.2401 through 6.6.2405 for COB. Federal regulations and NAIC standards are general guidelines but do not replace specific state administrative rules.
Q3.An employee in Montana holds two separate group disability insurance policies. Which specific set of regulations governs the coordination of benefits (COB) between these two plans?
- Federal regulations
- NAIC standards
- Administrative Rules of Montana (ARM) 6.6.2401 through 6.6.2405Correct
- The Uniform State Disability Act
Montana specifically governs the coordination of benefits for group disability insurance under ARM 6.6.2401 through 6.6.2405. Federal regulations and NAIC standards are general guidelines but do not supersede specific state administrative rules.
MT L&H Frequently Asked Questions
What does MT L&H stand for?
MT L&H stands for Montana Life & Health Insurance License Exam. It is administered by Montana Commissioner of Securities and Insurance (Montana Department of Insurance).
Who administers the MT L&H?
The Montana Life & Health Insurance License Exam (MT L&H) is administered by Montana Commissioner of Securities and Insurance (Montana Department of Insurance). For official information, visit the Montana Commissioner of Securities and Insurance (Montana Department of Insurance) website.
Does Montana have a combined Life & Health exam?
Montana does not offer a combined Life & Health producer exam; no 'L&H' product exists. Life and Disability (Health) are separate standalone producer exams, each split into a General part + a Montana State part: Life = General (1h15m, 50 scored+5 pretest) + State (45m, 36 scored+5 pretest) = 2 hours total / 86 scored questions. Check Montana Commissioner of Securities and Insurance (Montana Department of Insurance) for the current exam-registration process.
Does Montana require prelicensing education for Life & Health?
No. Montana does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the Montana Life & Health exam?
Montana requires 75 (scaled score) on the Life & Health exam. Confirm the current standard with Montana Commissioner of Securities and Insurance (Montana Department of Insurance), since passing standards can change.
Is the Life & Health exam different in Montana than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Montana tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Montana Commissioner of Securities and Insurance (Montana Department of Insurance).
C3RT is a native iOS and macOS exam preparation platform covering the Montana Life & Health Insurance License Exam (MT L&H), a Insurance Licensing certification, administered by Montana Commissioner of Securities and Insurance (Montana Department of Insurance). C3RT is not affiliated with or endorsed by Montana Commissioner of Securities and Insurance (Montana Department of Insurance). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Montana Commissioner of Securities and Insurance (Montana Department of Insurance) official website ↗ .