Life Underwriter Training Council Fellow (LUTCF®) Designation
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NAIFA's Life Underwriter Training Council Fellow (LUTCF®) Designation Program is a professional designation program for insurance and financial professionals. The College for Financial Planning and NAIFA partnered in 2014 to create a program to help new agents acclimate to their new career.

The LUTCF® program provides you 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 plus working knowledge of the four practice specialties. These are essential skills for new agents and advisors and can make or break your career.

Why should you enroll today?

  • The LUTCF® is the gold standard for insurance industry credentials and is the perfect way to begin your new career.
  • 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 homework assignment.
  • The program qualifies for State Insurance CE, as well as CE for other industry credentials.
  • You are new to the industry and are looking to develop fundamental prospecting, selling and practice management skills plus working knowledge of the four practice specialties.
  • You are a financial professional seeking a broad understanding of the insurance industry and how it can impact financial planning and advising.
  • You are insurance agency or home office staff seeking a comprehensive overview and an understanding of the business aspects of the industry.

Class Schedule
For a full schedule of online classes and other information, please click here.

Curriculum Highlights
The curriculum combines classroom learning and field training to equip agents and financial advisors with the knowledge and skills to put them on the path to career success. The content integrates four practice specialties, life insurance and annuities, health and employee benefits, multiline, and financial advising and investments providing both an overview of each but also addressing their interdependencies—critical for agents and advisors to understand when advising clients. Topics cover the real life issues of today, from multigenerational homes, to single parent households and same sex marriages.

The curriculum consists of three, nine-week courses, consisting of eight weeks of instruction followed by a week of study and review for the exam, making it feasible for students to complete the LUTCF® program in one year or less.

Part One: Introduction to Practice Management and Life Insurance includes developing a business plan, ethics, financial planning and risk management, introduction to life insurance products, and life insurance prospecting and selling skills.

Part Two: Insurance and Investment Products focuses on life insurance and annuities, mutual funds, disability income, long-term care, health and group insurance, and property and casualty insurance.

Part Three: Risk Management Applications addresses retirement and estate planning, special family situations, and presenting basic plans to individuals and business owners.

To take advantage of this special discount promotion, please contact CFFP's enrollment department at 1-800-237-9990 x 3. Be sure to identify yourself as a NAIFA member.

The LUTCF® program is $920 per course, however, NAIFA Members receive a 15% discount.

Interesting in taking the course? Please email

National Association of Insurance and Financial Advisors-Iowa

600 State Street
Suite A
Cedar Falls, IA 50613