NAIFA's Life Underwriter Training Council Fellow (LUTCF®) Designation Program - often considered the first designation any insurance professional should earn - has delivered value to more than 70,000 professionals since 1984. When you earn the LUTCF® designation, you receive so much more than a recognized designation. You gain fundamental, yet critical prospecting, selling, and practice management skills, along with a thorough working knowledge of life and multi-line products and services.

Why should you enroll today?

  • The LUTCF® is the industry-benchmark for insurance credentials and there are currently more than 62,000 designation holders.
  • 50% of the students enrolled in the LUTCF® program made a sale as a result of a homework assignment in the very first course.
  • Develop essential skills for new agents and advisors that can make or break your career.
  • The program qualifies for state insurance CE as well as CE for other industry credentials.

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.

LUTCF® Scholarship Program

Apply for the 2019 LUTCF® Scholarship Award Today!
The deadline for submissions is June 1, 2019. NAIFA will award two scholarships by July 1, 2019. For more information and to apply, click here.

NAIFA and the College for Financial Planning (CFFP) are proud to announce that submissions for the 2019 LUTCF® Scholarship Program are now being accepted.
Each scholarship recipient receives tuition credits for each of the three courses that comprise the LUTCF® designation program. Applicants must be:
•             A NAIFA member in good standing
•             Be under 40 years of age or under OR have been licensed less than five years as of June 1, 2019
•             Have the endorsement of a member of NAIFA

Here's what previous LUTCF® Scholarship recipients had to say about their LUTCF® designation program experience...

"The LUTCF program provides a solid foundation of knowledge from all aspects and really does a good job at incorporating what you need to do to be successful in this business." - Michael H. Baker, CFP® of Rock Hill, SC

"Being in the business for 10 years, I didn't think I'd learn anything, but boy was I wrong." - Jason E. Carter of Texarkana, TX
Class Schedule

For a full schedule of online classes and other information, visit 

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.

"LUTCF is the reason I’m in this business today. The program builds the knowledge and confidence that leads to successful careers."

Juli McNeely LUTCF, CFP, CLU

NAIFA President 2014-2015

LUTCF Scholarship
NAIFA and the College for Financial Planning (CFFP) are proud to announce the winners of the two full LUTCF® Scholarships. Each scholarship recipient receives tuition credits for each of the three courses that compose the LUTCF designation program.
In order to be considered for a scholarship, applicants must:
• Be a NAIFA member in good standing.
• Be YAT-eligible (under 40 years of age or have been licensed for less than five years as of May 1, 2017).
• Have the endorsement of a member of NAIFA.
The winners are…
Terje Whitmore of Fort Collins, CO (NAIFA – Northern Colorado)
Amy Sears of Wichita, KS (NAIFA – Wichita)

New LUTCF Digital Badge
NAIFA has launched a digital badge program for LUTCF recipients to help you display your professional achievements!

This digital badge is a token that you can use as an icon or logo on a web page or your social media profiles.  It helps you stand apart and tells your customers that you have achieved a higher level of expertise in your profession.

Click here to learn more about the LUTCF digital badge and see what it looks like.

The LUTCF Digital Badge:

  • Lets you visually promote your skills and professional achievements to your clients, potential clients, colleagues and companies
  • Verifies that you have completed the LUTCF program of study, and visually declares your commitment to professional development.
  • Makes you stand apart from non-designees

Click here to get your LUTCF digital badge for only $25 today!

Enroll Today!

NAIFA Members receive a 15% discount. Students should call the College for Financial Planning at 800-237-9990, option 3. Be sure to mention you are a NAIFA member.

Become a Moderator

To apply to become an LUTCF moderator please contact Brendan Bernat at or by calling 703-770-8230.

Click here to read the NAIFA / LUTCF Review Process