To earn CLU^®, you must complete 8 courses -- 5 required and 3 electives.

You must meet experience requirements and ethical standards. Three years of business experience immediately preceding the date of use of the designation are required. An undergraduate or graduate degree from an accredited educational institution qualifies as one year of business experience. When using formal education as qualifying experience, the remaining two years must immediately precede the date of the award. 

New TAC Policy:  Effective January 1, 2006, all students of The American College must complete all courses in a chosen designation or other program of The College within five (5) years from that date or from the date of the student's matriculation and registration for the first course in the College program. Click here for details. 

To request your free personalized designation strategy for CLU^® showing the best sequence of courses / target exam dates, contact Insurance Achievement  via email: pass@insuranceachievement.com , phone: 800-258-2432 or fax: 800-329-8687. 
Please remember to include your current phone number, fax number, email address and shipping address so we can quickly respond to your request.   

Each Insurance Achievement materials package includes Course Guide with daily learning strategy, flashcards and I Will Pass software with practice exam questions!  Also receive online access to Course Updates, Cruncher Reviews and exam questions! Audio CDs are available as a supplemental learning tool. 

CLU^® Curriculum

Difficulty Level is based on a scale from 1 (Easy) to 10 (Difficult).

Required Courses (5)

311  Fundamentals of Insurance Planning*        

Difficulty Level . . . 8.5
This course introduces insurance in the context of financial planning. The insurance topics of legal principles, regulation, industry operations and risk management are presented, in addition to a study of several kinds of insurance such as property and liability insurance, long-term disability insurance, medical insurance, life insurance and social insurance.

Order 311 Now!

Click here for the 311 Pre-Test!

 

323  Individual Life Insurance
Difficulty Level . . . 7
Topics covered in this course include individual life insurance products, annuity contracts, insurance operations, company organization, reserve systems and regulations.
Order 323 Now!
Click here for the 323 Pre-Test!


324  Life Insurance Law
Difficulty Level . . . 8
The focus of this course will be the legal rights and obligations of the policy owner and the insurance company, both before and after a policy is issued; contract formation, policy provisions, ownership rights, beneficiary designations, disposition of proceeds and agency.
Order 324 Now!
Click here for the 324 Pre-Test!


330  Fundamentals of Estate Planning         
Difficulty Level . . . 9
Aspects of estate and gift tax planning, including the nature, valuation, transfer administration and taxation of property are covered in this course which includes an emphasis on a basic understanding of the unified estate and gift tax system.
Order 330 Now!
Click Here for the 330 Pre-Test!


331  Planning for Business Owners and Professionals
Difficulty Level . . . 8.5
You will examine tax and legal aspects of organizing a business, compensation planning, continuing a business after the owner's death, lifetime dispositions of business interest and risk.
Order 331 Now!
Click here for the 331 Pre-Test!


Electives (Select 3)

300  Financial Planning: Process and Environment*

Difficulty Level . . . 7

This course is a general introduction that provides an overview of the financial planning process, covering topics such as: financial planning applications, ethics, risk tolerance, time-value-of-money, communication techniques, regulation and the economic and legal environment to provide an understanding of the responsibilities and role of financial planners.

Order 300 Now!

 

313  Individual Health Insurance

Insurance Achievement does not provide learning materials for 313 at this time.

321  Income Taxation**
Difficulty Level . . . 8
The federal income tax system (for individuals/businesses) with particular reference to the taxation of life insurance/annuities will be examined in this course. 
Order 321 Now!

Click Here for the 321 Pre-Test!

325  Group Benefits
Difficulty Level . . . 8.5
325, Group Benefits, is tough!  Your study of 325 will include underwriting, ratemaking, the regulatory environment and contract provisions of group products. 
Order 325 Now!
Click Here for the 325 Pre-Test!


326  Planning for Retirement Needs**
Difficulty Level . . . 8
This course analyzes qualified/nonqualified plans and IRAs; examines choosing/designing a retirement plan to meet the individual's needs. 
Order 326 Now!
Click Here for the 326 Pre-Test!


328  Investments
Difficulty Level . . . 10
Investment principles applied to personal financial planning. Topics include risks, yields, securities markets, understanding of financial statements, valuation of common stock, mutual funds, options, futures and personal portfolio management.
Order 328 Now!
Click Here for the 328 Pre-Test!


334  Estate Planning Applications
Difficulty Level . . . 9.5
Topics covered in this course include forecasting the gross estate for federal estate tax purposes; estate valuation principles; the charitable contribution as an estate planning technique; planning opportunities stemming from the marital relationship; the taxation of trusts; estate planning implications of retirement benefits and considerations involving a principal residence; estate freezes and planning for long-term care expenses.
Order 334 Now!
Click Here for the 334 Pre-Test!

*These two exams replaced 318, Insurance and Financial Planning.  Candidates who have passed 318 will not need to take 300 or 311.
**IA recommends these electives.

Click for additional courses needed for ChFC^®!

CLU^® National Exam

CLU^® national exams are given throughout the year at local testing centers by The American College.  Exam fees will apply.

Format:

• 2 hours in length
• 100 objective questions
• computer-administered exam

Your results will be provided immediately upon the completion of your national exam.

Contact The American College at 888-263-7265 or www.theamericancollege.edu for information on enrolling for your national exams.