Part of the expanding PassProfessor catalog: 9,060 questions, written to the current Montana outlines and independently audited. Join the notify list and we will email you when enrollment opens.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Montana does not run a combined property and casualty exam. It runs two separate Pearson VUE exams — a Property exam (82 scored questions, 2 hours) and a Casualty exam (87 scored questions, 2 hours 15 minutes) — and you must pass both, each with a scaled score of 75, to hold both lines of authority. PassProfessor’s Montana program will be one practice bank built for that reality: 9,060 original questions covering both exams, including 1,566 on Montana law alone, an explanation on every question, and generated practice exams you can sit per exam — Property only, Casualty only — or combined. A free sample comes with the program; the full Montana program will be $29 when enrollment opens.
What’s included
One bank, two exams — because that is how Montana tests. Some states fold property and casualty into a single sitting. Montana never has. Each Montana exam pairs a 50-question general-knowledge part with a Montana-specific part (32 scored questions on the Property exam, 37 on the Casualty exam), and each is booked, paid for, and passed separately. This program is organized the same way: drill Property material, drill Casualty material, sit a generated exam that mirrors either real exam on its own, or combine both when you want the full endurance test. Nothing in the way this program is built pretends the two exams are one.
A Montana-law block big enough to matter. Montana law is not a garnish on these exams. The Montana-specific parts carry 69 of the 169 scored questions across the two exams — about 41% of everything you will be scored on — and 25 questions on each exam come from a single shared block: the Montana statutes and rules common to all lines, covering the Commissioner and the Department, general definitions, licensing requirements, unfair trade practices, licensee responsibilities, rate and form rules, the Montana Insurance Guaranty Association, privacy, contract language, and insurance fraud. Our Montana bank holds 1,566 Montana-law questions, so that block can be drilled on its own until it stops being the risky part of either exam.
An explanation on every question. Every one of the 9,060 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. On Montana-law questions that matters most: the difference between two answers is often a Montana-specific rule, a day count, or a dollar figure, and the explanation names it.
Practice exams at the real exams’ weights. Each generated full practice exam is built fresh for that attempt, weighted to Pearson VUE’s published Montana outlines — for the Property exam, the Casualty exam, or both together. Questions you have not seen come first, and you never sit the same exam twice. Your results break down by outline section, so a weak area shows up in your practice data before it shows up on a score report.
Questions that stay honest. Every item in the program is monitored from real student responses once the program opens. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired.
The real exams at a glance
Current as of October 2026, per the Pearson VUE Montana Insurance Licensing Candidate Handbook (publication #122700, June 2025) and the Montana Insurance Content Outlines (publication #122703, effective March 2, 2026). Full detail — eligibility, registration, fingerprints, retakes, test day — is in our Montana insurance exam guide.
| Montana Property exam | Montana Casualty exam | |
|---|---|---|
| Administered by | Pearson VUE, for the Montana Commissioner of Securities and Insurance (CSI) | Pearson VUE, for the Montana CSI |
| Questions you will see | 92 | 97 |
| Scored questions | 82 (50 general + 32 Montana-specific) | 87 (50 general + 37 Montana-specific) |
| Unscored pretest questions mixed in | 10 (5 general + 5 Montana-specific) | 10 (5 general + 5 Montana-specific) |
| Time limit | 2 hours (1 hr 15 min general + 45 min Montana-specific) | 2 hours 15 minutes (1 hr 15 min general + 1 hr Montana-specific) |
| Passing standard | Scaled score of 75 | Scaled score of 75 |
| Exam fee | $65, paid to Pearson VUE when you reserve | $65, paid to Pearson VUE when you reserve |
- Two exams means two fees and two passes. Budget $130 in exam fees for both lines, and plan your study so each exam gets its own preparation — the general parts overlap in style, but the Montana-specific parts test different material (the Casualty exam’s state part reaches automobile financial responsibility and workers’ compensation; the Property exam’s reaches property valuation and Montana’s valued policy law).
- Montana requires no pre-licensing education for these lines. The handbook’s resident producer qualifications are: be a Montana resident, pass the exam for each kind of insurance you apply for, and be fingerprinted. There is no course you must complete first — preparation is your choice. (Continuing education is a separate, after-you-are-licensed requirement.)
- A scaled score of 75 is not 75%. Pearson VUE converts results to a scaled score so different exam forms demand the same knowledge. Pearson VUE reports a numeric score only to candidates who do not pass; passing candidates receive a score report marked “pass.”
- Fingerprinting is required, and the clock is real. All resident license applicants must be fingerprinted, and your exam pass counts only if you passed within one year immediately before your application date — pass, get fingerprinted, and apply through NIPR inside that window.
How the practice maps to the real exams
Every question in the Montana bank is tagged to the structure of Pearson VUE’s Montana content outlines — the general-knowledge headings shared by the two exams, and the Montana-law topics in the Montana-specific parts. Counts below are the bank itself, counted question by question.
| Practice coverage (bank topic) | Practice questions |
|---|---|
| General knowledge — tested on both exams | |
| Insurance Terms and Related Concepts (both exams) | 2,249 |
| Types of Policies, Bonds, and Related Terms (Casualty general) | 1,724 |
| Types of Policies (Property general) | 1,649 |
| Policy Provisions and Contract Law (Property general) | 974 |
| Policy Provisions (Casualty general) | 898 |
| Montana law — the Montana-specific parts | |
| Licensing Requirements | 210 |
| Workers’ Compensation | 191 |
| General Definitions | 142 |
| Montana Insurance Guaranty Association | 141 |
| Automobile Insurance / Financial Responsibility | 138 |
| Commissioner / Department | 119 |
| Unfair Trade Practices | 105 |
| 14 further Montana-law topics (incl. rate and form rules, licensee responsibilities, cancellation and nonrenewal, surplus lines, and privacy) | 520 |
| Total | 9,060 |
For reference, the real exams weight their general parts like this: on the Property exam, Types of Policies carries 22 of the 50 general questions and Policy Provisions and Contract Law 13; on the Casualty exam, Types of Policies, Bonds, and Related Terms carries 23 of 50 and Policy Provisions 12 — with Insurance Terms and Related Concepts at 15 on each. Generated practice exams follow those weights for whichever exam you choose to simulate.
How to use it
- Join the notify list today. When enrollment opens, start with free sample questions — a fixed set of Montana questions drawn from both exams’ outlines, with full explanations — enough to see how the program teaches and where you stand.
- Learn the shared Montana block first. The 25-question “common to all lines” section appears on both exams, so every hour spent on licensing requirements, unfair trade practices, the Commissioner, and the Guaranty Association pays off twice.
- Drill one exam at a time. Work the Property general sections, then the Property-specific Montana topics; then do the same for Casualty, where automobile financial responsibility and workers’ compensation carry the state-specific weight.
- Sit generated exams against the real clocks. Two hours for a Property simulation, two hours fifteen for Casualty — including the pretest questions you cannot identify. Pacing is a separate skill from knowledge.
- Book each real exam through Pearson VUE when your per-exam practice scores sit comfortably above passing — then complete fingerprinting and apply through NIPR within one year of each pass.
Pricing
$29 — the full Montana program, when enrollment opens. All 9,060 questions covering both exams, every explanation, unlimited fresh practice exams (per exam or combined) and topic drills. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95 with no published question count; Kaplan’s standalone InsurancePro QBank starts at $69; full pre-licensing courses from the national providers run $129 to $349 — in a state that does not require you to take one, and where you face two exam fees instead of one. This program is the practice itself, for both exams, priced below every one of them.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Frequently asked questions
How many questions are on the Montana property and casualty exams?
There is no single Montana P&C exam — there are two. The Property exam shows 92 questions in 2 hours: 82 scored (50 general knowledge plus 32 Montana-specific) and 10 unscored pretest questions. The Casualty exam shows 97 questions in 2 hours 15 minutes: 87 scored (50 general plus 37 Montana-specific) and 10 pretest. You must pass both to hold both lines.
What score do I need to pass the Montana exams?
A scaled score of 75 on each exam. Scaled scores are adjusted across exam forms so every version demands the same level of knowledge, so 75 is not the same as 75% correct. Candidates who pass receive a score report marked “pass”; a numeric score is reported only to candidates who do not pass.
Does Montana require pre-licensing education?
No. Montana sets no pre-licensing education requirement for a resident producer license in these lines. The handbook’s qualifications are Montana residency, passing the exam for each kind of insurance you apply for, and fingerprinting. Preparation — like this program — is your choice. Continuing education (24 hours every two years for producers) applies after you are licensed, not before.
How much do the Montana exams cost?
$65 per exam, paid to Pearson VUE when you reserve — so $130 total for the Property and Casualty exams together. The fee applies again for each retake. The handbook’s fee table lists no state application fee for a resident producer license and no fee for insurer appointments; NIPR, the application portal, may charge its own transaction fee when you apply.
Who administers the Montana insurance exams?
Pearson VUE administers them for the Montana Commissioner of Securities and Insurance (CSI). You reserve on Pearson VUE’s Montana insurance page or by phone at (800) 274-8906, at least 24 hours ahead. Testing is available at Pearson VUE test centers and, for these exams, online through OnVUE proctoring.
What do I do after I pass?
Be fingerprinted — all resident applicants must be — and apply for the license online through NIPR. Your pass must be within one year immediately before your application date, so do not let a pass sit: apply inside that 12-month window, for each line you passed.
What happens if I fail?
You retake the entire examination — both the general and Montana-specific parts — not just the part that went badly. You must wait 24 hours before making a new reservation, and the $65 fee applies to the new attempt. Your score report includes a numeric score and diagnostic information on the general portion to rebuild your study plan around.
How long is my passing score good for?
One year. Montana’s resident producer qualifications require that you passed the exam for each kind of insurance within one year immediately preceding your application date. After that window, the exam must be retaken.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to Pearson VUE’s published Montana content outlines and Montana insurance law. We never use real exam questions, recalled questions, or another provider’s bank — and using actual exam content would violate the candidate rules you agree to when you test.
Does this program count as pre-licensing education?
Montana requires no pre-licensing education for these lines, and this program is exam preparation only — it provides no education credit in any state and is not a substitute for any state-required course. It exists to prepare you for the two exams themselves.
Why is one program sold for two exams?
Because most Montana P&C candidates need both lines, and the two exams share a structure — a 50-question general part and a Montana-specific part built on the same 25-question common block. One bank lets you drill the shared material once, prepare for each exam separately, and sit combined simulations when you want them. The $29 covers both exams’ content; there is no second purchase.
When can I enroll in the Montana program?
The question bank is complete, and enrollment for this program opens as the catalog expands. Join the notify list on this page and we will email you when enrollment opens.
Disclaimer
PassProfessor is an independent exam-preparation provider. This program is exam preparation only: it is not pre-licensing education, provides no education credit, and is not affiliated with the Montana Commissioner of Securities and Insurance (CSI), Pearson VUE, or any state agency or exam vendor. All practice questions are original, written to the published exam outlines; they are not actual exam questions.