The American College of Financial Services provides equal opportunity to students and employees, regardless of race, color, and national or ethnic origin. In particular, earning The College’s prestigious Chartered Life Underwriter ® (CLU ®) designation has helped her get ahead. Through the eight-course CLU® program, you’ll gain an in-depth understanding of the practical, legal, and ethical aspects of life insurance underwriting and learn how to provide the best solutions to a modern and diverse clientele facing a range of risks and financial situations. Assistant Vice President and Director of Regulatory Compliance, Adjunct Professor of Special Needs Planning, Adjunct Professor of Taxation and Special Needs Planning, CFP® and ChFC® Education Program Director, Larry R. Pike Chair for Insurance and Investments, Clark/Bardes Endowed Chair in Retirement Planning and Non-Qualified Deferred Compensation, 9 Concepts to Eliminate from Disability Insurance Sales Conversations, 5 Ways an Advanced Financial Designation Helps Strengthen Your Insurance Business, Cary M. Maguire Center For Ethics In Financial Services, Find the designation or degree that's right for you, Course delivery methods offered by The College include the new Personal Pathway™, Scheduling and sitting for your examinations, Academic records and professional recertification, Tuition, fees and scholarship opportunities, Meet The College's expert faculty members, Learn more about The College's leadership and board members, Meet the next generation of financial planners. This course provides an overview of the financial planning process, including the role and responsibilities of a financial planner along with analytical tools to aid in financial decision-making. No additional fees or hidden costs. American College Trustee and former Million Dollar Round Table President Reginald N. Rabjohns, CLU®, ChFC®, has been named the new Chairman of The American College Foundation Board of Directors. CLU status can be revoked for misconduct or … Depending on where you are in the program, you’ll have access to a unique experience and improved course delivery as The College transitions to a re-imagined learning model. Thanks to The College’s self-paced and flexible learning options, Tasha was able to earn her CLU® while working full time and helping her husband raise two kids. Meet George Nichols III and learn about the values and vision moving The College forward. An undergraduate or graduate degree from an accredited educational institution qualifies as one year of business experience. It covers philosophical approaches, legislation, special education policies and procedure, disability etiquette, and how to work collaboratively with families. HS 330 Fundamentals of Estate Planning: View the Program Delivery section for more details. “The American College has the best content that's most relevant to what we do with our clients every day,” she says. He received his Chartered Life Underwriter ® (CLU ®) designation in 1967 and his Chartered Financial Consultant ® (ChFC ®) designation in 1983. We are so excited to continue to build this team and promote our team goals of fun and fitness. The remaining courses are available in the traditional, self-study format that includes robust course materials, printed textbooks, and exceptional flexibility. Centered on the complexities of life insurance underwriting for both individuals and small businesses, the CLU® certification provides expert-level education you can immediately apply. The College is re-imagining your CLU® experience. To help you make the choice that best fits your career, we’ve developed a free guide: CFP, ChFC, and CLU Which Financial Designation is Right for You? AU Club Council. Upon completion of this course, the student will be able to: Demonstrate an understanding of the basic concepts and principles of risk management, Compare and contrast the different health insurance options available to clients in the individual and group marketplaces, Differentiate among the various types of life insurance, including term and permanent insurance, Discuss principles of disability income insurance and its place in insurance planning, Discuss the principles of long-term care insurance and its place in insurance planning, Demonstrate an understanding of the different types and proper use of annuities in insurance planning, Identify the sources and uses of homeowners, property, and liability insurance for both personal and business uses, Identify the sources of identity theft, review a consumers credit report, and utilize debt management techniques, Demonstrate an understanding of social insurance programs such as the Social Security benefits system, Identify the steps in the estate planning and probate processes, Identify and describe the basic estate planning documents along with the advantages and limitations of each, Compare and contrast the most common types of property titling along with the advantages and limitations of each, Understand and apply the fundaments of the gift tax system and respective planning strategies, Identify and classify different trust arrangements and explain the advantages and limitations of each, Compare and contrast advanced strategies that can be used either during the life or upon death of the client, Understand and apply the fundamentals of the generation-skipping transfer tax system and respective planning strategies, Compare and contrast advanced charitable planning strategies along with the advantages and limitations of each, Understand and apply the fundamentals of the estate tax and respective planning strategies, and explain the benefits of the unlimited marital deduction, Demonstrate the advantages of using life insurance in estate planning and explain the benefits of various post-mortem planning strategies, Demonstrate an understanding of and apply the steps of the financial planning process, Differentiate between various communication techniques used by advisors and understand how behavioral finance concepts can be used to improve client-advisor communications, Utilize the various financial planning approaches to quantify goals and provide actionable recommendations, Review personal financial statements, calculate financial ratios, and perform financial statement analysis, Build a foundation in quantitative techniques needed to calculate the present value and future value amounts, and solve for other relevant financial variables, Apply education planning and funding techniques to help clients achieve their goals, Build a foundation in basic economic concepts and understand how external factors may impact the financial planning process, Review and apply the ethics of personal financial planning within CFP Board, American College, and SEC frameworks, Demonstrate an understanding of the fundamental principles and concepts of federal income taxation, Compare and contrast the taxation of income generated from personal and investment activities, Explain the taxation of income and expenses generated from employment and profit-motivated activities, Understand and apply the fundamentals of deductions against adjusted gross income with emphasis on itemized deductions, Identify different types of tax credits and compare and contrast tax credits with tax deductions, Demonstrate an understanding of how basis is determined for purposes of determining taxable gains and losses, and also explain the purpose of cost recovery through various depreciation methods, Identify the tax advantages that certain types of business assets receive when compared to assets used for nonbusiness purposes, Explain how provisions in the tax code allow for tax avoidance and tax deferral through certain property exchanges, Explain the complexities of the passive activity loss rules along with the purpose of the alternative minimum tax system, Compare and contrast the tax consequences of distributions from business entities, such as partnerships, S corporations, and C corporations, to their respective owners, Analyze the factors affecting retirement planning, such as determining the remaining work life expectancy, retirement life expectancy, annual savings needed, and understanding investment considerations, Understand the fundamental principles of qualified plans, Compare and contrast the various types of qualified pension plans and determine which is the most appropriate given the needs and goals of an employer, Compare and contrast profit sharing plans, stock bonus plans, and ESOPs along with the advantages and limitations of each, Understand the tax treatment of distributions from qualified plans, Describe the steps involved to install a qualified plan, requirements needed to administer a plan, and what events would call for the termination of a plan, Discuss the advantages, limitations, and taxation of IRAs and SEPs, Compare and contrast SIMPLE, 403(b), and 457 retirement plans along with the advantages and limitations of each, Discuss the taxation of nonqualified plans and compare and contrast Social Security claiming strategies given the impact of taxation and other limitations that may apply, Compare and contrast employee fringe and group benefits along with the advantages and limitations of each, Understand the institutional framework surrounding investments, categorize investments by asset class, and evaluate the impact of taxation, Measure investment returns using various methodologies and quantify risk within a statistical framework, Apply the modern portfolio theory framework to the task of assembling portfolios and evaluating their performance, Evaluate portfolio performance using attribution and ratio analysis, and identify cognitive and emotional biases exhibited by investors along with their consequences, Understand how fixed income securities function and explain their role in structuring a well-diversified investment portfolio, Compare and contrast the various types of equity securities and the different ways to invest in these securities, Evaluate the factors that can affect the performance expectations of equity securities, Identify the features of valuing securities using absolute and relative valuation models, and identify different types of alternative investments, including the risks and benefits associated with this asset class, Identify the features of investment companies and evaluate fund selection techniques, Compare and contrast the features of derivative securities including forwards, futures, and options contracts. Life insurance is a vital part of holistic financial planning for both individuals and small businesses. In particular, earning The College’s prestigious Chartered Life Underwriter® (CLU®) designation has helped her get ahead. Cal Lutheran is a selective, comprehensive institution offering undergraduate and graduate degrees in the liberal arts and sciences and professional fields. CLU ® - Chartered Life Underwriter. For another, putting letters behind her name gave her more professional credibility. In most states, a CLU® designation exempts you from pre-licensing education and underwriting certification requirements. Plus, with your existing, certification, you only need to complete three courses to earn the CLU®. The American University Club Swim Team is the newest club sports team at AU. Which is why she’s returned to The College for additional designations, and why she recommends them to others in the financial services industry. The designation is as prestigious in the industry as it is essential to mastering the complexities of life insurance, the CLU® will set you apart and increase your earning power. It also provides videotaped interviews with families in their home settings, providing powerful testimonies to the families’ determination to assist their children to become fully integrated into society and to reach their full potential. Follow a structured path or work at your own pace. This course covers unique legal techniques and tools that apply to special needs planning. The American College Foundation seeks to provide philanthropic support that furthers the institution’s important educational mission. From the creation of CLU ®, our first financial designation in 1927, to the launch of our immersive, goal-based investment management program, the WMCP ®, The American College of Financial Services continues to develop and deliver innovative programs that … Take a look at this chart to see how the courses for the ChFC®, CFP® and CLU® overlap, making it easier to earn all three. In addition, special income tax topics enable financial advisors to understand and identify tax deductions and/or credits that may be available to families with special needs. Read more about Personal Pathway™ and our Frequently Asked Questions​. For one, it gave her a lot of confidence. Not only will you be able to expertly guide clients through insurance decisions, you’ll also be able to offer expertise in annuities, risk-management, estate planning, small business succession planning, and the basics of contract law, ownership rights, and other legal matters related to life insurance. Whether you’re just launching your life insurance underwriting career or an established professional trying to learn how to become an insurance underwriter and offer more to your clients, earning the CLU® certification is an excellent choice. The three-year period must be within the five years preceding the date of the award. The American College: Qualification and Educational Requirements; Prerequisites: Three years of full-time business experience within the five years preceding the awarding of the designation Education Requirements: Five core and three elective courses, equivalent of 24 semester credit hours. The American College, an accredited non-profit educational institution with an 84-year heritage, confers the CLU ®. We offer all CLU® courses in formats specifically designed for working professionals like you. This means a CLU ® has obtained a level of life insurance expertise that exceeds basic life insurance underwriting requirements. Topics include: HS 375 Introduction to Disability and Lifetime Planning: BigDaddy U is not affiliated or associated with The American College in any way, and The American College does not endorse, approve, support, or otherwise recognize BigDaddy U or its products or services. Our audio-enabled, online CE courses are approved by The American College to fulfill continuing education requirements for the CASL ®, ChFC ®, CLF ®, CLU ®, FSCP ®, RICP ®, and WMCP ® designations. View this chart to see how these courses overlap — and how you can earn multiple designations faster. ACP Journal Club helps you stay current with the latest evidence-based clinical information relevant to internal medicine and its subspecialties. Annually, The American College educates approximately 40,000 students, mainly through distance education. american college clu provides a comprehensive and comprehensive pathway for students to see progress after the end of each module. ... Chartered Life Underwriter® (CLU The ebook has chapter summaries of The American College textbook, definitions of all key terms, and 20 to 30 questions per assignment to ensure comprehension. HS 324 Life Insurance Law: WebCE offers a comprehensive catalog of online courses for The American College's Professional Recertification Program. Life insurance is a vital part of any financial plan—and it is essential for high net worth clients and business owners. To receive a Huebner School designation (including ChFC®, CLF®, CLU®, RICP®, and WMCP®), you must successfully complete all courses in your selected program, meet experience requirements and ethics standards, and agree to comply with The American College Code of Ethics and Procedures. Activities directly or indirectly related to the protection, accumulation, conservation, or distribution of the economic value of human life; these include the work of actuaries, attorneys, CPAs, investment advisers, real estate investment advisers, stockbrokers, trust officers, or persons in other similar occupations. This course focuses on the role of planning for risk management needs. Offering the best solutions for sophisticated clients takes significant expertise in areas that aren’t covered in traditional financial planning education. The American College of Financial Services wants to ensure that the credentials our students earn remain current, relevant and serve as an emblem of excellence and expertise with both peers and clients. In January of 2016, Todd came to The College as a loaned executive of Northwestern Mutual as a way to give back to the profession. Special attention is given to the planning requirements for transition of a child with disabilities into adulthood, when many educational programs and financial supports are no longer available. Part-time qualifying business experience is credited toward the three-year requirement on an hourly basis, with 2,000 hours representing the equivalent of one year full-time experience. Enroll now for instant access to your digital textbook, syllabus and other learning resources. “Especially as a woman in the financial industry,” she says. Covers individual insurance products, insurance reserves regulation, and the organization, operations, and investments of insurance companies. If you want to excel as an insurance professional or expand your financial services career to encompass the full breadth of opportunities, the CLU® is where to turn. [The CLU®] opens a lot more doors and people are more confident in your knowledge base and are more trusting.”, And it’s not just that the designation boosted her confidence and is widely respected. The topics covered include: HS 323 Individual Life Insurance: Courses cover everything from the fundamentals of life insurance certification to highly specialized knowledge, preparing you to offer the advice today’s clients need. For one, it gave her a lot of confidence. This designation would be recommended for someone with a specialization in the insurance industry. When you earn the CLU® designation, you’ll gain expertise in: The eight-course CLU® certification program gives you the power to study at your own pace and tailor your education to your professional and lifestyle needs. The following activities meet the required business experience qualifications included in the certification process. The American College of Financial Services was founded in 1927 and is the nation’s largest nonprofit educational institution devoted to financial services. “I really appreciate how I can impact and shape a client’s life,” she says, “and get to see them achieve their hopes and dreams.” Nevertheless, she knows she couldn’t serve her clients as well as she does—or have gotten so far in her career—without some help. Covers legal aspects of life insurance, including basic principles of contract law; policy provisions and the incontestable clause; assignments, ownership rights and creditor rights; beneficiary designations and disposition of proceeds; the law of agency; and advertising and privacy issues. A Chartered Life Underwriter® (CLU®) is a financial professional with extensive knowledge of life insurance. To earn the CLU®, you must complete five foundational courses and three specialized courses of your choice. Each frame is made here in the USA and custom-sized to fit the official American College diploma. This course provides a basic understanding of the estate and gift tax system, including strategies of estate planning. Documentation on College policies, including refund requests, transfer credits, and more, Use the Designation Check service to find a credentialed advisor or verify an advisor’s designation, Explore options for earning CE credit through The College, Watch our on-demand webcasts regarding relevant financial planning topics. In these times of financial uncertainty, get the knowledge and education you need to succeed with The American College of Financial Services. Examines legal rights and obligations of the policy owner and the insurance company, the way disputes between the insured and insurers are resolved and general principles of the judicial process. This course covers various aspects of the principles of investments and their application to financial planning. 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