Montana
Troy Downing
Office of the Montana State Auditor
840 Helena Avenue
Helena, Montana, 59601
Appointments & Terminations
Yes
Yes
Within 15 days of contract execution
MT ST 33-15-411 The following activities do not require an appointment: a. a producer may obtain and present a quotation from an insurer who has not appointed him or her; or b. the insurer may bind coverage on a risk before the execution of an agency contract and policy issuance, if the insurer consents. MT ST 33-17-236 To appoint a producer, the insurer must file the prescribed appointment form with the Commissioner no later than 15 days after the agency contract is executed with the producer. The notice may be filed electronically. An appointment is effective either on the earlier of the date of the executed agency contract or the date the insurer files a notice of appointment with the Commissioner, unless the Commissioner disapproves the appointment.
Yes
No fees
No fees
Yes
Yes
No
Yes
Required and is the date supplied on transaction. Must not be in the future and must be less than 15 days old.
No, perpetual
No fees
No
Yes
Yes
Voluntary termination; inadequate production; death; company defunct or liquidation; company indebtedness; poor policyholder service; agent moved; appointed in error; request regulatory review
Required and is the date supplied on transaction. Must not be in the future and must be less than 15 days old
After 30 days of compliance renewal cycle, if CE is not submitted, the appointments are canceled
No fee
No
Email notices are permitted
Within the email body text
Licensing
Resident New License Insurance Producer: $0
Resident New License Surplus Lines Producer: $50
Nonresident New License Insurance Producer: $100
Nonresident New License Surplus Lines Producer: $50
Resident Renewal Insurance Producer: $0 Resident Renewal Surplus Lines Producer: $100 Nonresident Renewal Insurance Producer: $50 Nonresident Renewal Surplus Lines Producer: $100
90 days before expiration
Last day of birth month every 2 years based on year of birth
Late renewal allowed up to one year after expiration
90 days before expiration
Last day of birth month every 2 years based on year of birth
Late renewal allowed up to one year after expiration
No
Residence, Business, and Mailing
Managing General Agent, Third Party Administrator, Risk Retention Group, Viatical Settlement Broker, Motor Club Agent, Consultant, Purchasing Group, Insurance Producer, Surplus Lines Producer, Health Service Corporation, Public Adjuster, Adjuster, Crop Adjuster, Reinsurance Intermediary Broker, Funeral, Premium Finance Company, Temporary Producer, Health Maintenance Organization (HMO), Property and Casualty Insurer, Surety Bail, Joint Underwriter Organization, Life and Disability Insurer, Navigator, Certified Application Counselor, Certified Exchange Producer, Temporary Surety Bail
Yes
Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA
An insurance producer must be appointed by an insurer before the producer claims to be a representative or producer of that insurer. The following activities do not require an appointment: a. a producer may obtain and present a quotation from an insurer who has not appointed him or her; or b. the insurer may bind coverage on temporary insurance before the execution of an agency contract and policy issuance, if the insurer consents
No
Yes – General background check
Yes, for Resident Licensing
Taken at exam site.
Pearson VUE
One Year
Non-citizens of the U.S. must show proof of U.S. work authorization.
NIPR Gateway
None
No
No
A licensee must notify the Commissioner in writing of a change of address or business email address within 30 days. Contact Change Request supported via NIPR Gateway.
Individual and Business Entities can process via NIPR
Montana honors state reciprocity for travel licenses that fall under major lines of authority.
Agency
Yes
Yes
No
90 days prior to expiration until expiration date. Late renewal ends one year after expiration date.
Yes
All producers selling on behalf of or through a business entity are affiliated.
Main license meets requirements
A licensee must notify the Commissioner in writing of a change of address or business email address within 30 days. Contact Change Request supported via NIPR Gateway.
Adjuster
Yes
Yes
AK, AL, AR, AZ, CT, DE, FL, GA, ID, IN, KY, LA, ME, MI, MN, MS, NC, NH, NM, NV, OK, OR, RI, SC, TX, UT, VT, WA, WV, WY
CA, HI, NY, PR
No LOA required
Licensing Fee: $50 Reinstatement Fee: $50 Renewal Fee: $100 Late Renewal Fee: $200
Yes
Biennially, on the first day of the birth month. Odd birthdays will have odd renewal years. Even birthdays will have even renewal years.
Biennially, on the first day of the birth month, in alternating years. Odd birthdays will have odd renewal years. Even birthdays will have even renewal years.
Public Adjusters are required to post surety bond of $5000.
Public Adjuster
Licensing Fee: $50 Reinstatement Fee: $50 Renewal Fee: $100 Late Renewal Fee: $200
Yes
No license is required in the event of catastrophe. Refer to the instructions issued at the time of the catastrophe announcement.
Crop Insurance Adjuster
Licensing Fee: $50 Reinstatement Fee: $50 Renewal Fee: $100 Late Renewal Fee: $200
Yes
Biennially, on the first day of the birth month. Odd birthdays will have odd renewal years. Even birthdays will have even renewal years.
Yes
Yes
Continuing Education
24
2 years
Yes
Last day of birth month
Year of birth
Prior to license expiration.
90 days prior to expiration date
90 days prior to expiration date
You can reinstate your license within 12 months of its lapse in Montana. After that, you’ll need to reapply.
Yes
3 hours ethics, 1 hour Montana statutes
3 hours of NFIP course
8-hour initial certification, with 4 hours of LTC-specific training every two years
One-time, 4-hour course
Unless exempt, adjusters must complete 24 CE hours every 2 years. The CE must include: 3 hours of ethics and 1 hour covering changes in Montana insurance statutes and administrative rules.
Producers licensed only in surety bail bonds, prepaid legal insurance, or limited lines credit must complete only 5 CE hours per cycle in the subjects of credit life, credit disability, insurance law, or ethics. This includes the Montana insurance law and administration credit. Viatical settlement brokers must complete CE that covers the subjects of life insurance, viaticals, and ethics.
https://agentsync.io/blog/individual-producers/insurance-continuing-education-montana
Regulatory Updates
Montana Resident and Nonresident Pet Insurance Requirements
Effective October 1, 2025, Montana resident and nonresident P_roducers who sell, solicit, or negotiate pet insurance products_ _are subject to the requirements below._ - _A producer must be appropriately licensed and complete_ _two hours of training covering the following topics:_ - _Preexisting conditions and waiting periods;_ - _The differences between pet insurance and_ _noninsurance wellness programs;_ - _Hereditary disorders, congenital anomalies or disorders, and chronic conditions and how pet_ _insurance policies interact with those conditions or_ _disorders; and_ - _Rating, underwriting, renewal, and other related administrative topics._ - _The training requirements:_ - _Must be completed once within every 24-month period_ _after the initial training; and_ - _May be approved as CE courses under Title 33,_ _Chapter 17, Part 12._ - _An insurer must ensure that its producers:_ - _Have been appropriately trained on the coverages and _ _conditions of its pet insurance products._ - _Satisfaction of substantially similar training_ _requirements in another state will satisfy these training_ _requirements._ - _An insurer must:_ - _Obtain verification that a producer acting on the insurer's behalf received the required training before the producer is permitted to sell, solicit,_ _or negotiate the _ _insurer's pet insurance products;_ - _Maintain records subject to Montana's record_ _retention requirements; and_ - _Make the verification of the producer's compliance_ _with training requirements available to the_ _Commissioner upon request._
Montana Investment Adviser Representative Required Examination
Posted March 20, 2025, Montana provided the following guidance regarding the examinations required to register as an Investment Adviser Representative. To register as an Investment Adviser Representative, an individual must have successfully taken one of the following: 1. FINRA General Securities Principal's Examination, Series 24 2. NASAA Uniform Investment Adviser Law Examination, Series 65 3. NASAA Uniform Combined State Law Examination, Series 66 Please see the attachment for more information.
Montana Implements New Transaction Type to Process Primary Name Updates
Effective October 18, 2024, Montana will Implement new transaction types to process Name Change (Demographics) updates.
Montana List of Eligible Surplus Lines Companies
On June 24, 2024, Montana provided a list of eligible Surplus Lines companies. Please see the attachment for more information.
Montana to Add New License Class Called Temporary Surety Bail
Effective January 1, 2024, Montana will add a new offering called Temporary Surety Bail - New offering requirements: - Temporary Surety Bail has no fee - Exam required before submitting application - License expires after 12 months if applicants is approved - Must be 21 years of age - Amendment applicants deferred for fingerprint check after 1 year - Reapplications deferred for fingerprint check
Montana Summarizes its Continuing Education Program Changes
Effective November 1, 2023, Montana provides an update to their course reporting for CE providers such that they can report an approved course as a classroom and webinar course. Please see attached document for more information.
Montana Limited Lines Travel Agent License
For Residents and Nonresidents 2023 MT H.B. 591(NS) (Effective 10/1/2023) - LIMITED LINES: TRAVEL AGENT - Added travel administrator licensing requirements.MT ST 33-17-212 (Effective 1/1/2024) - Per 2023 MT H.B. 62(NS) - REFERENCES - Revised the effective date only. MT ST 33-17-241 (Effective 5/9/2023) - Per 2023 MT H.B. 567(NS) - INDIVIDUAL NONRESIDENT LICENSE REQUIREMENTS: GENERAL REQUIREMENTS - Revised the navigator training requirement information. MT ST 33-17-242 (Effective 5/9/2023) - Per 2023 MT H.B. 567(NS) - CONTINUING EDUCATION - Revised the Commissioner's responsibility with regard to navigator training requirements. MT ST 33-17-1401 (Effective 10/1/2023) - Per 2023 MT H.B. 591(NS) - LIMITED LINES: TRAVEL AGENT - Added the "limited lines travel insurance producer," "travel administrator," and "travel insurance" definitions. MT ST 33-17-1402 (Effective 10/1/2023) - Per 2023 MT H.B. 591(NS) - 1) WHO MUST BE LICENSED - Added "limited lines travel insurance producer" as another license type. 2) LIMITED LINES: TRAVEL AGENT - a) Added limited lines travel insurance producer licensing requirements. b) Deleted travel retailer registry requirements. MT ST 33-17-1404 (Effective 10/1/2023) - Per 2023 MT H.B. 591(NS) - LIMITED LINES: TRAVEL AGENT - a) Revised the applicability and enforcement information. b) Deleted information mentioning "unfair trade practices" and penalties.
Montana Eliminates the Insurance Advisory Council for Education Course Review
Effective October 1, 2023, Montana will eliminate the Insurance Advisory Council for education course review. See attachment for full details.
FAQs
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How Do I Get an Insurance License in Montana?
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How Do I Get a State Adjuster License in Montana?
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How do I renew my insurance license in Montana?
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How do I renew my nonresident insurance license in Montana?
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How Do I renew My Non-Resident Adjuster License in Montana?
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How Do I Renew My Adjuster License In Montana?