Advises on life and disability insurance for a fee rather than a commission. Montana splits its consultant license in two along the line the Code draws between life insurance and general insurance, and the examination vendor gives each half a two-hour paper.

The general insurance half of Montana's consultant license, covering everything from property and casualty to surety, marine and title. It is a separate paper and a separate license from the life and disability half, and no Montanan may hold both a consultant license and a producer license.