Our Qualifications

CLU's are highly qualified professionals who can assist with individual and business financial planning concerns.  Insurance and financial service industry professionals who are awarded the CLU designation by the Society of Financial Service Professionals have passed through a selection process.  In fact, fewer than five percent of those employed in the field have qualified to earn this designation.  There are stringent requirements to be met: 

  • Minimum three years experience in the industry
  • Passing a comprehensive curriculum of ten college-level courses
  • Adherence to a strict code of ethics

As a result of the rigorous selection process, a financial service professional designated a CLU® has the qualifications it takes to guide individuals toward making sound financial decisions, concerning business planning, tax planning, retirement planning, employee benefit planning, estate planning, and financial planning, just to name a few.  The CLU designation is conferred by The American College, an independent academic institution accredited by the Middle States Association of Colleges and Schools.


  • The Million Dollar Round Table (MDRT) is The Premier Association of Financial Professionals.
  • An international, independent association of the world’s best life insurance and financial services professionals, MDRT currently has nearly 38,000 members from 79 countries, representing more than 450 different companies.
  • MDRT began in 1927, when 32 highly successful life insurance producers strived to create a forum dedicated to fostering a high-standard, professional approach to life insurance sales and service. They believed that growth resulted from exchanging ideas.
  • The MDRT insignia is a seal of excellence for the public to trust that they are working with the best in the business for life insurance and financial needs.
  • MDRT members are resources in the following areas of expertise: insurance purchases, financial planning, wealth transfer and estate planning and new legislation affecting the industry.

The LUTCF designation combines essential product knowledge with the skills financial professionals must have to advise individuals and businesses effectively on their insurance and planning needs. A key to the program is ethical selling practices, and Ethics for the Financial Services Professional is required for every designee.

LUTCF candidates must complete six courses, one required and five electives. The required course is Ethics for the Financial Services Professional. Advisors choose electives based on their individual practices and needs. Topics available include product education on long-term care, life insurance, annuities, disability income insurance, and business insurance. Skills-based training includes how to best meet client needs and the basics of estate planning, retirement planning, and investment planning.