Life Underwriter Training Council FellowSM (LUTCF®)

The Life Underwriter Training Council FellowSM professional designation program is not currently accepting new students.

LUTCF® Professional Designation Program

The Life Underwriter Training Council FellowSM, or LUTCF® program, is a three-course designation program for financial professionals. The College for Financial Planning®—a Kaplan Company and the National Association of Insurance and Financial Advisors (NAIFA) partnered in 2014 to create a program that focuses on the skills that the top insurance agencies feel new agents need the most.


This three-course program ($950 per course) provides those new to the financial planning profession and insurance agents with the background and knowledge necessary to ensure a successful career in the insurance business. The program focuses on fundamental prospecting, selling, and practice management skills, as well as working knowledge of the four practice specialties. Successful completion of the three courses allows you to join more than 65,000 successful LUTCF® designation holders.

Begin the program at any time with OnDemand classes. You'll have:

  • Access to pre-recorded, instructor-led class lectures that guide you through key concepts in the curriculum.
  • Freedom to view the lectures based on your schedule. You can start, stop and rewind as you need to.

LUTCF® courses

The  LUTCF® program has three courses. Students must complete the courses in order and pass their current course before enrolling in the next course in the program.

LUTCF® Course 1: Introduction to Practice Management & Life Insurance

This first of three courses in the LUTCF® program introduces you to risk management and the role it plays in the larger financial planning process, and specifically focuses on the role life insurance plays in risk management.

LUTCF® Course 2:
Insurance & Investment Products


In this second of three courses in the LUTCF® program the focus shifts to the array of insurance and investment products that are available to help clients manage risk.

LUTCF® Course 3:
Risk Management Applications


In this third and final course in the LUTCF® program, we will shift our focus from specific products to how the products you’ve learned about can be used in various applications.

Each LUTCF® course includes:

Our OnDemand classes are best for individuals who need the flexibility to complete a professional designation program at their own pace based on their busy schedule. Your online learning platform will guide you through all your course-related activities, from reading assignments, recorded video lectures and module quizzes to your final exam.

Because this option is self-paced, you can begin the program at any time. 


 


LUTCF® Course 1 Topics:  Introduction to Practice Management & Life Insurance
Chapter 1: Introduction to the LUTCF® Program
Chapter 2: Developing a Business Plan
Chapter 3: Financial Planning and Risk Management
Chapter 4: Ethics
Chapter 5: Introduction to Life Insurance Products
Chapter 6: Prospecting for Life Insurance
Chapter 7: Life Insurance Selling Skills

LUTCF® Course 2 Topics :Insurance & Investment Products
Chapter 1: Life Insurance and Annuities
Chapter 2: Annuities and Mutual funds
Chapter 3: Disability Income Insurance
Chapter 4: Long Term Care Insurance
Chapter 5: Property & Casualty Insurance
Chapter 6: Health Insurance
Chapter 7: Employer-Based Insurance Products

LUTCF® Course 3 Topics: Risk Management Applications
Chapter 1: Retirement Planning
Chapter 2: Estate Planning
Chapter 3: Applications for Individuals
Chapter 4: Special Family Situations
Chapter 5: Applications for Business Owners
Chapter 6: Individual Client Scenario
Chapter 7: Business Owner Scenario









Electronic textbooks are your primary resource for course content. You will receive an electronic VitalSource eBook as part of the package price. eBooks in the ePub format that are compatible with Apple iPad and MOBI/Kindle will also be available on your student dashboard. 
 
Printed textbooks are available as an add-on to your package for $150 plus tax and shipping. 


Module Quizzes, located at the end of each unit in your program, are designed to gauge your comprehension of the material. Students must complete the 30-question quiz for each module (or 20-question quiz if you are pursuing the ADPA® program) before moving to the next module. For questions answered incorrectly, correct answers with detailed rationale are provided to help improve your comprehension.

The Practice Exam is designed to closely replicate the Final Exam experience in terms of the degree of difficulty, timing, format, and topical coverage. This exam can be taken twice and provides unique practice questions that you haven’t seen at this point in your studies. The Practice Exam is a sound indicator of how you will perform on your Final Exam. It allows you to see areas of strength and weakness on your Performance Tracker. 

 

For the AAMS®, APMA®, AWMA® ,CRPC® , CSRIC® ,FPQP®  and SE-AWMASM designations:
To pass the designation program, you must achieve a score of 70% or higher on the Final Exam. Students have an allotted time of 3 hours to take the Final Exam and a maximum of two attempts to pass the Final Exam. 

If you are pursuing the Sports & Entertainment (SE) Supplemental Education for AWMA® Program to earn your SE-AWMA℠ designation, you must achieve a score of 70% or higher on the Final Exam. These students have an allotted time of 1 hour to take the Final Exam and a maximum of two attempts to pass the Final Exam. 

The grade earned on the Final Exam reflects your overall grade for the designation program.


For the ABFPSM, ADPA®, LUTCF®  and WMSSM  designations:
To pass the designation program, you must achieve a score of 70% or higher on the Final Exam. Students have an allotted time of 2 hours to take the Final Exam and a maximum of two attempts to pass the Final Exam. 

The grade earned on the Final Exam reflects your overall grade for the designation program.

 




 


Frequently Asked Questions about the LUTCF® Designation

The LUTCF® designation program is ideal for new insurance agents looking to kick-start their career. The program focuses on fundamental prospecting, selling, and practice management skills, plus working knowledge of the four practice specialties. 
Students have 180 days from the date they are provided online access to complete all requirements (including testing and passing the Final Exam).
  • Students who enroll in Live Online classes will receive online access 20 days prior to the first class date.
  • Students who enroll in OnDemand classes will receive online access immediately after they enroll.
Extensions up to 60-days may be available for a fee. 

 

 

The  LUTCF® program has three courses, and each course has a Final Exam. Each Final Exam contains 50 questions. 

Students have an allotted time of 2 hours to take the Final Exam and a maximum of two attempts to pass the Final Exam.

A passing score on the Final Exam is a score of 70% or higher. The grade earned on the Final Exam reflects your overall grade for the designation program.

A score of 70% or better is required to pass all professional designation final exams. Students who do not earn a minimum of 70% after the allotted number of final exam attempts will be required to re-enroll in the professional designation course, pursuant to the Professional Designation Re-Enrollment Policy.


If you successfully complete the academic requirements of the program and are a member in good standing with NAIFA, you are permitted to apply for authorization to use the applicable trademarks or registered service marks in accordance with the designation requirements. Continued use of designations is subject to compliance with ongoing renewal requirements.










For all professional designation holders except LUTCF®
All professional designation holders (except LUTCF®) are responsible for completing 16 hours of continuing education (CE) credits every two years. A $95 renewal fee is also required every two years.

For LUTCF® designation holders 
All LUTCF® designation holders are responsible for completing 3 hours of Ethics continuing education every two years.

A $50 renewal fee is also required every two years. 

Learn more about your renewal options at this link: Renew Your Professional Designation

Top 5 Benefits of Earning the LUTCF® Designation

If you are a new insurance agent, the LUTCF® program is the perfect way to kick-start your career.

Industry Recognition

The LUTCF® designation is recognized as the industry-benchmark for insurance credentials and is endorsed by the top financial firms and insurance agencies.

Gain Applicable Skills

Develop skills that apply directly to your current position. More than half of students in the class typically attribute a sale as a result of their first LUTCF® homework assignment.

Tangible Career Benefits

Graduates of  the LUTCF® program report increases to their earnings, client base, and even their job satisfaction after completing their studies.

Stackable Credits

Graduates of the FIC and FICF fraternals receive credit for two of the three courses in the program. This allows you to save time and money while pursuing multiple credentials.

Skills That Benefit You and Your Clients

Develop the skills that the top insurance agencies demand that agents need to know while advancing your own financial career.

“I am very excited about the new LUTCF® designation program and can’t wait to begin enrolling our advisors!”

–Paul W.

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