LUTCFThe LUTCF (Life Underwriters Training Council Fellow) designation is jointly conferred by the National Association of Insurance and Financial Advisors (NAIFA) and The American College. The College assumed ownership of the designation curriculum from the Life Underwriters Training Council. An advisory board, the Financial Services Training Council (FSTC), consisting of leading industry representatives, provides advice and counsel to ensure that the LUTCF designation program meets the needs of the insurance and financial community and The College’s standards of academic excellence. The LUTCF designation represents accomplishment and professionalism, helping life insurance professionals to establish strong and lasting client relationships.

The LUTCF is presented by The American College in Bryn Mawr, Pennsylvania.


The “Certified in Long-Term Care” (CLTC) program is the long-term care insurance industry’s only independent professional designation. Created in 1999, the course is focused on the field of long-term care planning and provides legal, accounting, insurance and financial service professionals the critical tools necessary to address the subject matter with their middle-age clients. The CLTC designation which is owned by the CLTC Board of Standards, Inc. is not affiliated with or funded by any insurance sales or marketing organization. The quality of the program is evidenced by the granting of continuing education credits by all states as well as established programs such as the Certified Financial Planner (CFP®) and Chartered Life Underwriter (CLU®) designations. It has also been approved in those states that have set strict criteria for professional designations.

The CLTC is presented by the CLTC Board of Standards, Inc. St. Louis, Missouri

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