NAIFA’s LUTCF® is the training program that has prepared more than 70,000 insurance and financial advisors to survive and thrive in the industry.

Since 1984, the LUTCF® Designation Program has been considered the first designation any insurance professional should earn. When you earn the LUTCF® designation, you receive so much more than a recognized designation. You gain fundamental, yet critical prospecting, selling, and practice-management skills, along with a thorough working knowledge of life insurance products and services.

The curriculum integrates three practice areas – Advising Process, Risk Management, and Life Insurance; Investment and Protection Products; Wealth Management, Retirement Planning, and Estate Planning – providing both an overview of each but also addressing their interdependencies, which are critical for agents and advisors to understand when advising clients.

The requirements for obtaining the LUTCF designation are as follows:

Successful completion of the three courses that comprise the LUTCF education program is required. As part of the education program, students must view self-paced educational modules and complete student learner guides with input from a mentor. This mentor will be selected by the student. All fieldwork assignments for each course module must be completed in no fewer than two and no more than three weeks following the completion of the viewing of Topic content.

1. What is the LUTCF® Designation?

LUTCF stands for Life Underwriter Training Council Fellow. This designation program has been in existence since 1984. The LUTCF curriculum was recently recreated and consists of self-paced micro-learns that can be accessed from an electronic device. The new program consists of three courses. The courses are:

Course 1: Advising Process, Risk Management, and Life Insurance
Course 2: Investment and Protection Products 
Course 3: Wealth Management, Retirement Planning, and Estate Planning

2. Why should I earn the LUTCF?  

When you earn the LUTCF® designation, you receive so much more than a recognized designation. A new agent or advisor will gain fundamental, yet critical prospecting and selling skills, along with a thorough working knowledge of life insurance and financial planning.  More than 70,000 insurance professionals know the value of the LUTCF®, which is considered the first credential any agent should earn. Recommended for individuals in the first 1-5 years of their business. 

3. What is the length and content of the LUTCF classes?

The courses are

Course 1: Advising Process, Risk Management, and Life Insurance
Course 2: Investment and Protection Products 
Course 3: Wealth Management, Retirement Planning, and Estate Planning.

Each course takes approximately three to four months to complete.

4. What are the requirements to earn the LUTCF designation?

The requirements for obtaining the LUTCF designation are as follows:

• Successful completion of the three courses that comprise the LUTCF education program is required. As part of the education program, students must view self-paced educational modules and complete student learner guides with input from a mentor. This mentor will be selected by the student. All fieldwork assignments for each course module must be completed in no fewer than two and no more than three weeks following the completion of the viewing of Topic content.