A CLU® is The Highest Standard of Knowledge and Trust in Financial Planning

Your Chartered Life Underwriter® has earned the premier credential in the insurance profession, representing eight or more comprehensive college-level courses covering all aspects of insurance planning, estate and retirement issues, taxation, business insurance, and risk management. For more than 80 years consumers have trusted this mark, which is conferred by The American College, a non-profit educator with the highest level of accreditation.

The average study time for the program is over 400 hours and can take years to earn. Each CLU® must also complete a minimum of 30 hours of continuing education every two years, adhere to strict ethical standards, and meet extensive experience requirements, ensuring the knowledge you're counting on is both comprehensive and current.

Why a CLU®?

You can count on a CLU®’s expertise

Your Chartered Life Underwriter® has earned the premier credential in the insurance profession, representing eight or more comprehensive college-level courses covering all aspects of insurance planning, estate and retirement issues, taxation, business insurance, and risk management. For more than 80 years consumers have trusted this mark, which is conferred by The American College of Financial Services, a non-profit educator with the highest level of accreditation.

The average study time for the program is over 400 hours and can take years to earn. Each CLU® must also complete a minimum of 30 hours of continuing education every two years and meet extensive experience requirements, ensuring the knowledge you're counting on is both comprehensive and current.

How can a CLU®
help me?

Here are just a few of the many areas where a CLU® can assist you:

  • Analyze your overall financial situation
  • Determine the appropriate level of risk to assume
  • Determine the appropriate level of risk to assume>
  • Achieve financial security using a wide range of insurance and financial planning tools
  • Better manage taxes for yourself, your business and your estate
  • Plan for a secure retirement
  • Safeguard your family business

You can count on a CLU®’s integrity

Advisors with the CLU® designation are required to serve you with the highest level of professionalism. The authority to use the CLU® mark is granted by the Certification Committee of the Board of Trustees of The American College, and that privilege is contingent on adherence to strict ethical guidelines.

CLU® advisors are required at all times to do the same for you that they would do for themselves in similar circumstances, the standard of knowledge and trust clients value.

The Commitment
of a CLU®

“In all my professional relationships, I pledge myself to the following rule of ethical conduct: I shall, in light of all conditions surrounding those I serve, which I shall make every conscientious effort to ascertain and understand, render that service which, in the same circumstances, I would apply to myself.”

CLU® Highest Standard of Knowledge and Trust

About The American College

Mission Statement

The mission of The American College of Financial Services is to raise the level of professionalism of its students and, by extension, the financial services industry as a whole. By imparting expert knowledge—and by emphasizing that such knowledge must be regularly renewed and ethically applied—The College seeks to strengthen not only its students' professionalism, but also the financial security of individuals, families, businesses, and the societies they serve.

Submit A Question or Complaint About A CLU®

Please fill out and submit the form below and a representative from The American College will contact you: