PassProfessor’s Montana program is part of the expanding PassProfessor catalog. The 9,060-question Montana practice bank is built and audited, and enrollment opens as the catalog expands. Join the notify list and we will email you when enrollment opens — then use this guide to plan your path to the exams.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
The Montana P&C exams, in one paragraph
Montana licenses property and casualty producers through two separate exams, not one combined test. The Property exam and the Casualty exam are each administered by Pearson VUE for the Montana Commissioner of Securities and Insurance (CSI), and each is built the same way: a general-knowledge part of 50 scored questions plus a Montana-specific part — 32 scored questions on the Property exam, 37 on the Casualty exam — with 10 unscored pretest questions mixed into each exam. You will see 92 questions in 2 hours on the Property exam and 97 questions in 2 hours 15 minutes on the Casualty exam. You pass each exam with a scaled score of 75, each exam costs $65, and Montana requires no pre-licensing education before either one. Pass both, get fingerprinted, and apply for your license through NIPR within one year of each pass. Everything else in this guide is those sentences, unfolded.
Who can take the Montana Property and Casualty exams?
Montana’s front door is defined by the candidate handbook’s resident producer qualifications and by MCA §33-17-211. To be licensed as a resident producer for the property or casualty lines, you must:
- Be a resident of Montana. The handbook states residency as the first resident-producer qualification; licenses issued based on Montana residency terminate if you relocate to another state (MCA §33-17-211(1)(e)).
- Be at least 18 years old. The handbook’s general information states the Commissioner shall not issue or extend a license to any individual under 18; MCA §33-17-211(1)(a) sets the same floor.
- Have passed, within one year immediately preceding your application date, the exam for the type of insurance you are applying to be licensed for. For both P&C lines, that means both exams — Property and Casualty — inside that one-year window (see §7 on score validity).
- Be fingerprinted. All resident license applicants must be fingerprinted; MCA §33-17-211(1)(i) also requires completion of a background examination under §33-17-220.
- Meet the character qualifications in the statute. MCA §33-17-211(1) requires that you have not committed an act that is a ground for refusal, suspension, or revocation under §33-17-1001, and that the Commissioner find you competent, trustworthy, and of good reputation, with experience, training, or other qualification in the kinds of insurance you apply for. Answer application background questions completely and honestly — the application is made under penalty of refusal, suspension, or revocation for false statements.
- Complete no pre-licensing education. This is the point candidates most often get wrong, because many states mandate classroom hours. Montana does not. Neither the handbook’s resident producer qualifications nor its licensing checklist contains an education step, and neither does the qualification list in MCA §33-17-211. The sequence Montana publishes is: reserve and take the exam, get fingerprinted, apply. Studying is strongly advisable — these are not easy exams — but how you prepare is your choice, and no provider’s course completion is filed with the state before you may test.
Two things Montana does require that are easy to confuse with pre-licensing education:
- Continuing education comes later. Once licensed, producers for the property and casualty lines must complete 24 approved credit hours every two years, including at least 1 hour on legislative changes in Montana insurance law and 3 hours of ethics, as the CSI’s licensing page sets out. That is a renewal obligation for licensees, not a gate for applicants.
- Appointment is separate from licensure. A license authorizes you as a producer; you may not place business with an insurer you are not appointed by (the handbook’s general information is explicit on this point). Appointments follow licensure and are arranged with each carrier. The handbook’s fee table lists producer appointments at no fee.
Nonresidents follow a different route: a producer licensed and in good standing in a state that extends similar privileges to Montana residents may be licensed in Montana without these exams. This guide is about the resident path.
The exams, piece by piece
Each exam has two parts, and the handbook treats them as Parts 1 and 2 of a single examination for that line: a general part and a Montana-specific part. You book one exam — Property or Casualty — you sit both of its parts in one appointment, and you receive one result for that exam. Booking both lines means two appointments, two $65 fees, and two results.
The Property exam — 82 scored + 10 pretest, 2 hours
| Part / section | Scored questions | What it covers |
|---|---|---|
| Part 1 — Property general knowledge (50 scored + 5 pretest) | ||
| I. Types of Policies | 22 | Homeowners forms (HO-2 through HO-8), dwelling policies, and the other property policy forms — what each covers and excludes |
| II. Insurance Terms and Related Concepts | 15 | Risk, perils, hazards, valuation (actual cash value, replacement cost, stated value), coinsurance, proximate cause, deductibles, indemnity, cancellation and vacancy concepts |
| III. Policy Provisions and Contract Law | 13 | Declarations, insuring agreement, conditions, exclusions, duties of the insured, mortgagee rights, proof of loss, appraisal, subrogation, and the elements of a contract |
| Part 2 — Property Montana-specific (32 scored + 5 pretest) | ||
| I. Montana Statutes and Rules Common to Life, Disability (A&H), Property and Casualty Insurance | 25 | The Commissioner and Department, general definitions, licensing requirements, unfair trade practices, licensee responsibilities, rate and form regulations, the Montana Insurance Guaranty Association, the Insurance Information & Privacy Protection Act, basic contract language, and the Insurance Fraud Protection Act |
| II. Montana Statutes and Rules Common to Property & Casualty Insurance Only | 2–3 | Cancellation and nonrenewal, surplus lines insurance, and Montana’s rules on use of credit information in personal insurance |
| III. Montana Statutes and Rules Pertinent to Property Insurance Only | 4–5 | Property insurance defined, specific valuation, Montana’s valued policy law, inland and ocean marine, daycare/homeowners rules, and crime-related provisions |
| Total scored | 82 | Plus 10 unscored pretest questions = 92 on screen |
The Casualty exam — 87 scored + 10 pretest, 2 hours 15 minutes
| Part / section | Scored questions | What it covers |
|---|---|---|
| Part 1 — Casualty general knowledge (50 scored + 5 pretest) | ||
| I. Types of Policies, Bonds, and Related Terms | 23 | Commercial general liability, personal and business auto, workers’ compensation concepts, crime, bonds (surety and fidelity), professional liability, umbrella/excess, and the businessowners policy |
| II. Insurance Terms and Related Concepts | 15 | Risk, hazards, negligence, insurable interest, loss valuation, liability concepts, binders, warranties and representations, damages, and related vocabulary |
| III. Policy Provisions | 12 | Declarations, insuring agreement, conditions, exclusions, duties after a loss, cancellation and nonrenewal provisions, supplementary payments, proof of loss, subrogation, and TRIA |
| Part 2 — Casualty Montana-specific (37 scored + 5 pretest) | ||
| I. Montana Statutes and Rules Common to Life, Disability (A&H), Property and Casualty Insurance | 25 | The same shared block as the Property exam: Commissioner/Department, general definitions, licensing, unfair trade practices, licensee responsibilities, rate and form rules, the Montana Insurance Guaranty Association, privacy, contract language, and insurance fraud |
| II. Montana Statutes and Rules Common to Property & Casualty Insurance Only | 2–3 | Cancellation and nonrenewal, surplus lines insurance, and use of credit information in personal insurance |
| III. Montana Statutes and Rules Pertinent to Casualty Insurance Only | 9–10 | Casualty insurance defined; automobile insurance and financial responsibility (required limits, uninsured motorists, the Mature Defensive Driving Act, comparative negligence, cancellation/nonrenewal, prohibited discrimination, good driver discount, the assigned risk / auto insurance plan); workers’ compensation (Plans 1, 2, and 3, claims and benefits); professional liability insurance |
| Total scored | 87 | Plus 10 unscored pretest questions = 97 on screen |
Four structural facts shape how you should prepare:
- The shared Montana block is the highest-leverage material in Montana P&C licensing. The identical 25-question “common to all lines” section sits inside both exams. Master it once and you have banked roughly 30% of the Property exam’s scored questions and 29% of the Casualty exam’s before either exam’s distinctive material is even reached.
- Montana law overall is 69 of 169 scored questions — about 41%. Candidates who prepare from national material alone are preparing for barely more than half of what Montana scores.
- The two general parts reward different strengths. Property’s general part is led by policy forms (22 questions on Types of Policies); Casualty’s is led by the combined policies-and-bonds section (23 questions). The terms sections (15 each) are the same size but not the same content — Casualty terms run to negligence and liability, Property terms to valuation and coinsurance.
- Each exam is passed or failed as a whole. There is one scaled score per exam. A strong general part can offset a weaker Montana part within the same exam — but nothing on the Property exam can rescue the Casualty exam. They are independent gates.
Pretest questions. Each exam’s 10 pretest items (5 in the general part, 5 in the Montana-specific part, under the current outlines effective March 2, 2026) are tryout questions Pearson VUE is evaluating for future forms. They are indistinguishable from scored questions and do not affect your result. The only correct strategy is to treat every question as scored.
The passing standard, explained
You pass each exam with a scaled score of 75.
A scaled score is not a percentage. There are multiple versions — forms — of each examination, and because different forms contain different questions, their difficulty varies slightly. Pearson VUE uses a statistical procedure called equating to correct for those differences, and converts raw results to scaled scores; the passing score for each examination was set by the Montana Department of Insurance in conjunction with Pearson VUE after a comprehensive study for each examination. Two consequences follow from how Montana reports this:
- A score of 75 always means the same level of knowledge, whatever form you sat — and “75%” practice targets are only a rough guide, because your percentage on practice questions does not convert precisely into a scaled score. Practice until full simulations sit comfortably above the passing zone on each exam separately.
- Your score report tells you less than you might expect. At a test center you receive a score report marked “pass” or “fail” when you finish (for online exams, you retrieve the report through your Pearson VUE account). Pearson VUE reports a numeric scaled score only to candidates who do not pass — expressly to avoid misuse of score information. If you pass, “pass” is the result; there is no margin to admire. If you do not pass, you receive the numeric score — which shows how close you came — plus diagnostic information on the general portion: candidates who fail Part 1 receive general diagnostic information for each major area of that part, intended to show strengths and weaknesses against the content outline. That diagnostic page is the starting document for any retake plan.
One calibration note: unlike some states, Montana’s handbook does not publish a pass rate for these exams, and no official Pearson VUE or CSI pass-rate publication for the Montana Property and Casualty exams was found in preparing this guide. Treat any pass-rate figure for these exams circulating on course-provider websites with skepticism unless it names an official source.
Fees and registration, step by step
Keep the payments separate in your mind — and in Montana’s case the striking fact is how few of them there are.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Property exam fee | $65 | Pearson VUE | When you reserve the Property exam |
| Casualty exam fee | $65 | Pearson VUE | When you reserve the Casualty exam |
| Fingerprinting | The fingerprint process carries its own costs, set outside the handbook’s fee table — follow the CSI’s current fingerprint instructions | Per CSI instructions | As part of the licensing process (see below) |
| Resident producer license application | No state application fee is listed for resident producers in the handbook’s License Fees table (producer appointments likewise listed: no fee) | State of Montana, via NIPR | After you pass |
| NIPR transaction fee | NIPR may charge its own transaction fee for processing the online application — check NIPR at the time you apply | NIPR | When you apply |
For contrast, the same handbook fee table lists $50 application fees for adjusters and consultants — the absence of a producer application fee is Montana’s actual table, not an oversight in this guide. Exam fees are nonrefundable and nontransferable except as the handbook’s Change/Cancel Policy allows (below).
The sequence, in order:
- Reserve each exam with Pearson VUE. Create an account and book on Pearson VUE’s Montana insurance page (www.pearsonvue.com/us/en/mt/insurance.html) or by phone at (800) 274-8906. Online and phone reservations must be made at least 24 hours before the desired examination date; walk-in examinations are not available. Have your legal name, address, Social Security number, daytime telephone number, date of birth, the name of the examination, and your preferred date and test center ready. Pay the $65 fee at reservation by credit card, debit card, or voucher — fees are not accepted at the test center. Your account name must match your government-issued ID exactly. Each exam is reserved separately; you choose the order and the spacing. Many candidates take the exams on different days so each gets a fresh mind — nothing in Montana’s rules requires them to be taken together, and each result stands on its own.
- Change or cancel correctly if plans move. Call (800) 274-8906 at least 48 hours before the examination to change or cancel with a transfer or refund of the fee; changing or canceling without proper notice forfeits the fee.
- Get fingerprinted. The handbook is categorical: all resident license applicants must be fingerprinted, and its licensing checklist puts the steps in this order — pass the licensing examination administered by Pearson VUE, be fingerprinted, then apply to the Montana Insurance Department online at NIPR. The handbook directs candidates to the CSI’s licensing pages (csimt.gov/insurance/licensing) for fingerprinting information and directions. Complete this step promptly; your license cannot issue without it, and the one-year validity clock on your exam pass is running (see §7).
- Take the exams. Arrive at least 30 minutes early with the two forms of identification described in §8, or complete the OnVUE online-proctoring setup if you test online. You receive your pass/fail score report when you finish at a test center.
- Apply for the license through NIPR. After passing, apply online at www.nipr.com for the lines you have passed. Remember the timing rule: the qualifying exams must have been passed within one year immediately preceding your application date — apply inside that window for each line.
- Get appointed. Once licensed, an insurer appointment is what lets you sell that insurer’s products; the handbook states plainly that no producer shall place business with an insurer for which they do not hold a valid appointment. Appointments are arranged with each carrier, and the handbook’s table lists no appointment fee.
After you pass
Passing both exams makes you eligible to be licensed; it does not make you licensed. The remaining steps are fingerprinting (if not already completed) and the NIPR application, and they sit inside the one-year window described in §7. A few details worth knowing:
- Apply for the lines you actually passed. Montana examines each kind of insurance separately — passing Property alone qualifies you toward the property line; the casualty line requires the Casualty exam. MCA §33-17-212(5) lists the examination classifications, and property (which includes marine insurance for this purpose) and casualty are distinct classifications.
- Your license is biennial once issued. Producer licenses renew on the Commissioner’s biennial schedule, and the continuing-education obligation (24 hours per biennium for these lines, including the legislative-changes and ethics hours noted in §2) is what keeps the license in force. Build the CE habit early; the CSI notes that completions can take up to 30 days to be reported to it by providers, so finishing CE at the deadline risks a lapse.
- Examination results are confidential. Pearson VUE releases results only to you and the state licensing agency, and does not give score information by telephone. Duplicate score reports are obtained through your Pearson VUE account.
- If your application is not approved, the Montana Insurance Department will contact you — the handbook says so expressly. Incomplete background disclosures are the most common self-inflicted cause of delay in producer licensing generally; the remedy is completeness at the application stage.
Retakes and score validity
- Retakes — the whole exam, both parts. If you do not pass, the handbook’s rule is blunt: candidates who fail an examination and wish to retake it must retake the entire examination — Parts 1 and 2 — even if the Montana-specific part (or the general part) went well. There is no partial credit carried forward between attempts.
- The 24-hour rule. Reservations for reexamination cannot be made at the test center, and you must wait 24 hours after a failed attempt before making one. Each new reservation carries the $65 exam fee again.
- Online attempts are limited; test-center attempts are the fallback. Candidates testing through OnVUE are allowed two attempts per exam online; all subsequent attempts must be taken at a Pearson VUE test center. The handbook states no overall attempt cap for test-center testing — but each attempt costs $65 and a full re-sit, which is its own argument for rebuilding preparation around the diagnostic information before rebooking.
- Score validity — one year, tied to your application. Montana’s resident producer qualifications require that you passed the exam for each kind of insurance within one year immediately preceding the application date. Practically: if you pass Property in March and Casualty the following February, apply promptly — the Property pass ages out of its window first. A pass that falls outside the one-year window before you apply cannot support the application, whatever your score was.
- A passed exam is a pass. Numeric scores are not even reported to passing candidates, and there is no mechanism — or reason — to re-sit an exam you passed to improve a result that was never published.
Test day
- Arrive 30 minutes early. Candidates should report to the test center at least thirty minutes before the examination to complete registration, be photographed for the score report, and review and sign the Candidate Rules Agreement. Breaches of that agreement — giving or receiving help, using aids, removing examination material — can mean dismissal, a forfeited fee, an invalid exam, and state action including being barred from retaking or denied a license.
- Bring two forms of identification. Both must be current and bear your signature. The primary ID must be government-issued and photo-bearing (driver’s license, state or national ID card, passport or passport card, military ID, or alien registration card are among the accepted forms); the secondary ID must carry a valid signature (a Social Security card or a debit or credit card, for example). The name on your IDs must exactly match the name on your registration, and identification must be in English. Pearson VUE recognizes no grace periods — an ID that expired yesterday is expired, even if your state allows a renewal grace period. Candidates without the required items are denied admission, treated as absent, and forfeit the fee.
- Nothing goes into the testing room. No phones or other electronics, watches, wallets, bags, coats, books, notes, pens, or pencils. Personal items are stored in a secure area as the administrator directs, all electronic devices switched off; the test center is not responsible for lost or misplaced items. Studying is not allowed in the test center, and visitors — including children and family — are not allowed either. Eating, drinking, chewing gum, and smoking are prohibited during the exam. The administrator provides the materials permitted for notes or calculations; you may not write on them before the exam begins or remove them from the room.
- Breaks run on the clock. Break policies are set by the exam sponsor; where unscheduled breaks are allowed, the examination clock does not stop, you must leave the testing room, and you may not leave the floor or building or access phones, notes, or study materials. For OnVUE online exams there are no unscheduled breaks at all — the handbook instructs online candidates to commit their full attention for the entire session, remain in view of the proctor, and keep phones out of reach, in a quiet, private location with a reliable webcam-equipped device and a strong internet connection.
- Pace for the whole screen, not the scored subset. Property: 92 questions in 120 minutes — about 78 seconds per question. Casualty: 97 questions in 135 minutes — about 83 seconds per question. Those averages include the 10 pretest questions you cannot identify and any tutorial time is separate (the computer tutorial does not reduce your examination time). Flag-and-return discipline matters: no single question is worth the questions behind it.
- Results are in hand when you leave a test center. A score report marked “pass” or “fail”; for online exams, retrieve the report through your Pearson VUE account. Passing reports include information on how to apply for a license — which is your cue to start the fingerprint and NIPR steps in §5 without delay.
How to study for these exams
The outlines are the syllabus — Pearson VUE publishes exactly what each exam covers, and the counts in §3 are the weights to study against. A plan built on that structure:
- Start with the shared Montana block, and learn it once, properly. Twenty-five scored questions on each exam come from the same body of law: the Commissioner and Department (broad powers, examination of records, cease and desist, penalties), general definitions (domestic/foreign/alien, insurance transactions, authorized versus unauthorized companies, fraternals), licensing requirements (definitions, nonresident producers, consultants, administrators, surplus lines producers, continuing education, temporary licenses, eligibility, suspension and revocation, appointments), unfair trade practices (false advertising, rebating, twisting, misrepresentation, defamation, excess fees, unfair discrimination, unfair claims practices), licensee responsibilities (fiduciary capacity, commission sharing, place of business and recordkeeping), rate and form regulations, the Montana Insurance Guaranty Association, privacy protection, basic contract language, and the Insurance Fraud Protection Act. This block is factual and specific — exactly the kind of material that rewards deliberate, repeated drilling.
- Then split your study by exam. Property’s distinctive weight is policy forms (22 questions) plus its Montana-specific property rules — valuation, the valued policy law, inland and ocean marine. Casualty’s distinctive weight is the policies-and-bonds survey (23 questions) plus its larger Montana-specific block: automobile financial responsibility (Montana’s minimum liability limits under MCA §61-6-103 are $25,000 per person / $50,000 per accident for bodily injury and $20,000 for property damage — the familiar 25/50/20), uninsured motorists, comparative negligence, the assigned risk plan, and workers’ compensation with Montana’s Plan 1, Plan 2, and Plan 3 structure.
- Respect the Montana share in your schedule. About 41% of your total scored questions across the two exams are Montana law. A study calendar that gives Montana law two-fifths of its time is not Montana-heavy; it is correctly proportioned. Most national materials invert that ratio.
- Learn terms inside scenarios. The two terms sections (15 questions each) test vocabulary through fact patterns — negligence and damages on the Casualty side, valuation and coinsurance on the Property side. Definitions learned in context survive the exam room; definitions memorized off a list often do not.
- Practice at full length, per exam, against the real clocks. A 92-question, two-hour Property simulation and a 97-question, two-hour-fifteen Casualty simulation are different endurance tasks, and both differ from a combined run. Train each the way you will sit it.
- Read every explanation, including for questions you answered correctly. Especially on Montana-law items, where a right answer can hide a wrong reason — a guessed day count that happened to match. The explanation is where the rule actually gets learned.
- Book each exam when its own simulations say so. Consistently comfortable full-exam practice scores on Property justify booking Property; they say nothing about Casualty. Sequence the bookings to your readiness, not to a single deadline — remembering only that both passes must sit inside the one-year window before your application.
This program’s Montana practice bank (9,060 questions, including 1,566 on Montana law, with an explanation on every question) is built on this same two-exam structure — drills and generated exams per exam or combined. The Montana Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens.
Frequently asked questions
How many questions are on the Montana P&C exams?
Montana has two separate exams. Property: 92 questions on screen in 2 hours — 82 scored (50 general + 32 Montana-specific) and 10 unscored pretest. Casualty: 97 questions in 2 hours 15 minutes — 87 scored (50 general + 37 Montana-specific) and 10 pretest. There is no combined Montana P&C exam.
What is the passing score for the Montana insurance exams?
A scaled score of 75 on each exam. Scaled scores are equated across exam forms so every version demands the same knowledge, so 75 is not 75% correct. Numeric scores are reported only to candidates who do not pass.
Does Montana require pre-licensing education?
No. Montana requires no pre-licensing education for a resident producer license in these lines — the published qualifications are Montana residency, age 18 or older, passing the exam for each kind of insurance within one year before applying, and fingerprinting with a background examination. Continuing education (24 hours biennially) is required only after you are licensed.
How much do the Montana exams cost?
$65 per exam, paid to Pearson VUE when you reserve — $130 for the Property and Casualty exams together, and $65 again for any retake. The handbook’s fee table lists no state application fee for a resident producer and no appointment fee; NIPR may charge its own transaction fee when you apply online.
How do I register for the Montana insurance exams?
Reserve each exam separately on Pearson VUE’s Montana insurance page or by calling (800) 274-8906, at least 24 hours before the date you want. Walk-ins are not available, the fee is paid at reservation, and your registration name must match your government ID exactly.
Can I take the Montana insurance exams online?
Yes. The handbook provides for OnVUE online proctoring as well as test centers. Online candidates are allowed two attempts per exam; any further attempts must be taken at a Pearson VUE test center. Online exams have no unscheduled breaks, and you must remain in the proctor’s view throughout.
What happens after I pass?
Get fingerprinted if you have not already — all resident applicants must be — and apply for your license online through NIPR. Your qualifying exams must have been passed within one year immediately before your application date. Once licensed, you need an appointment from each insurer before you place business with it.
How long are my Montana exam scores valid?
One year, measured against your application: the handbook requires that you passed the exam for each kind of insurance within one year immediately preceding the application date. Let a pass age past that window and it cannot support your application.
If I fail, how soon can I retake, and what do I retake?
You must wait 24 hours before making a new reservation, and you retake the entire examination — both the general and Montana-specific parts — for another $65 fee. Your failing score report’s diagnostic information on the general portion shows which major areas to rebuild first.
Do I have to take the Property and Casualty exams on the same day?
No. They are separately reserved, separately paid, and separately scored. Take them in whichever order and spacing suits your preparation — just keep both passes inside the one-year window before you apply.
What Montana-specific topics do the exams cover?
Both exams share a 25-question block on Montana law common to all lines — the Commissioner, definitions, licensing, unfair trade practices, licensee responsibilities, rate and form rules, the Montana Insurance Guaranty Association, privacy, and fraud. Beyond that, Property adds valuation and the valued policy law; Casualty adds automobile financial responsibility (including 25/50/20 minimum limits), uninsured motorists, comparative negligence, the assigned risk plan, workers’ compensation Plans 1–3, and professional liability.
What is a scaled score, in plain terms?
A way of making different versions of an exam equally hard to pass. Your raw result is converted onto a standard scale — in Montana, 75 is the pass mark — so a slightly harder form and a slightly easier form both demand the same underlying knowledge. It is not a percentage, and Pearson VUE reports the number only when a candidate does not pass.
Is there a Montana pass rate I should know about?
No official one was found. Montana’s candidate handbook does not publish pass rates for these exams, and no official Pearson VUE or CSI pass-rate report for the Montana Property and Casualty exams was located for this guide. Figures on third-party course sites do not name an official source and should not be relied on.
Disclaimer
PassProfessor is an independent exam-preparation provider and is not affiliated with the Montana Commissioner of Securities and Insurance (CSI), Pearson VUE, or any state agency or exam vendor. This guide is general information about the Montana licensing exams, current as of October 2026; the Montana Commissioner of Securities and Insurance (CSI) and Pearson VUE publications govern if anything here differs from them.