The CLU® designation is a formal recognition of expertise in and extensive applied knowledge of life insurance and estate planning. The CLU® designation is widely considered to be the most respected insurance designation in the industry. A CLU® advisor has in-depth knowledge of life insurance underwriting concepts and law within the context of overall risk management. It also provides the necessary knowledge to help address clients’ estate planning needs and the life insurance underwriting needs of business owners and professionals.
The Certification for Long-Term Care (CLTC®) demonstrates that an individual has completed a rigorous training program that covers all aspects of long-term care planning, from insurance policies to government benefits. Thus, with a detailed understanding of the long-term care industry, these professionals are better equipped to see the big picture regarding long-term care services and understand the challenges associated with this type of care. In addition, CLTC professionals must adhere to a strict code of ethics, which helps to ensure that they always put their client’s best interests first. The main service a CLTC holder provides is advice for individuals and their families on what they can do to mitigate the short-term and long-term consequences when faced with the prospect of age-related issues. It is a very sensitive subject, and those with CLTC designation are recognized for their ability to guide clients through these issues in a competent yet empathetic manner.
The Qualified Plan Financial Consultant (QPFC) is the professional credential for financial professionals who sell, advise, market or support qualified retirement plans. The QPFC program will provide an understanding of general retirement planning concepts, terminology, distinctive features of qualified plans and the role of retirement plan professionals. QPFC is not an entry-level credential. You will be expected to have knowledge of investments, securities rules and selling techniques prior to the start of this program.