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Life Underwriter Training Council FellowSM (LUTCF®)

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.

Plus, if you currently hold a professional designation from the College, completion of a new professional designation fulfills CE hours as part of the renewal of your current designation.

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.

Each LUTCF® course includes:

Frequently Asked Questions about the LUTCF® 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.

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

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.

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

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.

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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