Can you explain what the letters such as C.L.U, LUTC or titles like Chartered Financial Planner indicate?

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Asked January 9, 2012

1 Answer


When dealing with insurance companies and their agents, it may be of some importance to understand the titles or designations they hold. They are expressed as letters after the name and they exist to show you what certifications the professional you're dealing with has. Just as all insurance companies are different, so, too, are the agents you will deal with, and those extra letters can have a huge effect on the quality of advice you are being offered. They reflect a specific knowledge of life insurance or other insurance and investment products that an agent has. Insurance professionals have these practice specialties because they completed all their courses in a program of study that equipped them with the essential product knowledge they can use to provide their services.

In the insurance business, the letters CLU indicate the title of Chartered Life Underwriter. This is one of the most respected and prestigious titles in the insurance profession. These designees have completed a rigorous program that prepared them with the skills they need to guide clients through the financial planning and insurance product basics and beyond. If you have any questions or concerns about estate planning, this is who you need.

When an agent or representative has the letters LUTC or LUTCF after their name, it indicates they have been trained in a variety of products. LUTCF stands for Life Underwriting Training Council Fellow; the designation program to receive this title is offered by The American College and NAIFA. NAIFA is the National Association of Insurance and Financial Advisors. These life insurance agents can help you in a variety of situations such as finding the life insurance product that meets your needs, managing your investments, and more. LUTCF is the first designation that people seek when they start selling life insurance.

A Chartered Financial Planner, or CFP, is trained in a broad range of insurance products and applications designed to enhance the financial security of individuals and businesses alike. The title is awarded by the Certified Board of Standards and requires the completion of an in-depth course on insurance procedures and applications. After several weeks of instruction, these professionals are prepared to help you with everything from annuities to risk management, retirement, and beyond.

Answered January 9, 2012 by Anonymous

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