Update unfair trade practices act

This bill updates Montana's unfair trade practices act to strengthen consumer protections in financial planning and insurance. It prohibits insurance producers without formal financial planning certifications from representing themselves as financial advisors or charging extra fees for services tied to insurance sales. The legislation requires clear written agreements for financial planning fees, mandates disclosure when commissions are received alongside planning fees, and defines health insurance lead generators to regulate how customer information is collected and shared. Additionally, the bill revises existing rules against unfair claim settlement practices, ensuring insurers investigate claims promptly and fairly. These changes directly affect insurance producers, financial planners, and consumers seeking financial advice or health insurance in Montana.