License Requirements


How to Renew a Montana Insurance License

How to Renew a Montana Insurance License

Montana Insurance Division

Helpful Links

ph: (406) 444-2040 or (800) 332-6148

fax: (406) 444-3497

email: producerlicensing@mt.gov

website: http://www.csi.mt.gov/

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Print your license

View your CE transcript

File a renewal application

A.D. Banker Provider #: 35851444

1. Review the State Requirements

In order to renew your insurance license, you must complete the required continuing education hours for the lines of insurance that you are licensed in. All of the hours must be completed and reported prior to your license renewal date to avoid a lapse in your license.

GENERAL REQUIREMENTS:

Total Hours

24 hours biennially for Producers and Adjusters

10 hours biennially for Navigators (must complete all hours in ACA courses)

Compliance Renewal Date

Renewal date is the last day of the licensee's birth month, biennially. Licensees born in odd-numbered years renew in odd-numbered years, and licensees born in even-numbered years renew in even numbered years.  The license renewal date appears on the face of the license.

You may also need to take specific courses or earn specific credit types to renew your license. These course completions will count toward the total hour requirement.

LINE-SPECIFIC REQUIREMENTS:

CE Course Category Restrictions - Licensees may take courses in any line of authority. (Limited lines credit only is an exception to this rule; refer to the state's guidelines).

For All Licenses:

Ethics
3 hrs - Producers and Adjusters must complete 3 hrs of Ethics as part of the total requirement.

Law
1 hr - Producers and Adjusters must complete 1 hr on Montana law changes as part of the total requirement.

For Life & Health Producers:

Annuity Best Interest

1 hr - Effective October 1, 2021, resident and non-resident producers certified to sell annuity products in Montana under the suitability standard, must complete additional best interest training no later than April 1, 2022. A.D. Banker & Company offers this training online and in a live webinar in a 1-hour and a 4-hour format. Both satisfy the training update requirement.

4 hrs - Resident and non-resident producers licensed on or after October 2, 2021, must complete a one-time 4-Hour Annuity Best Interest Certification Training course prior to selling, soliciting, or negotiating annuity products.

Annuity Best Interest courses (1 or 4 hour) completed in another state that has adopted the updated 2020 NAIC model law #275 will satisfy the training requirement for Montana.

Long-Term Care
8/4 hrs - Producers must complete an initial 8-hour Long-Term Care (LTC) Certification Training prior to selling, soliciting, or negotiating Long-Term Care products/policies. After completing the initial requirement, producers must complete a 4-hour ongoing LTC training, due on the completion date of the 8-hour training, every 24 months thereafter.

For Property & Casualty Producers:

Flood
3 hrs - Property/Casualty and Personal lines producers must complete a one-time 3-hour course on NFIP Flood Insurance Certification Training prior to selling flood insurance policies.

There are also additional rules about how the course hours can be applied.

CARRYOVER HOURS:

Carryover hours are not allowed.

COURSE REPETITION:

Courses may not be taken more than once in a biennial reporting period.

If you meet any of criteria below, you may be exempt from the continuing education requirements.

EXEMPTIONS:

  • Non-residents (except for the LTC requirement)

2. Register for and Complete Courses

Once you have determined the renewal requirements for your license, you can register for courses. Each course has an associated credit type; when registering for courses, select courses with credit types that will help to fulfill the renewal requirements for your license.

A.D. Banker offers webinar, and online courses for Montana. You can register for courses under the Continuing Education menu at www.adbanker.com.

You must fulfill the course requirements for each of the courses to have them reported.

  • Classroom and webinar course completions are based off of attendance and participation and do not require a completion exam. You must be present for the full duration of the course and be active and attentive throughout to receive credit.
  • Online and Self Study courses are self-paced. You must review the course material and pass the Certification Exam at the end to receive credit.*

MONITOR REQUIREMENTS:

*Self-study or online final exams are required to be monitored either by a training director or disinterested third party (an individual not related to or able to benefit from, actions of the producer)

REPORTING METHOD:

Once a course has been completed, the completion must be reported to the state. A.D. Banker will report the course completions to State Based Systems.


3. File a Renewal Application

Once you have satisfied the renewal requirements for your license, you can file a renewal application at www.sircon.com/adbanker.

Continuing Education Webinars: Live online "classroom" courses... NO EXAMS!

A.D. Banker & Company provides licensing information as a courtesy to our students. While reasonable attempts have been made to ensure the accuracy of this information, licensees are ultimately responsible for ensuring that they are in compliance with the requirements set forth by their state licensing entity. A.D. Banker & Company offers no guarantee of the accuracy of this information and will not be held liable in case of noncompliance with the license requirements.