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NAIFA LUTCF Frequently Asked Questions

What is the NAIFA LUTCF?

LUTCF stands for Life Underwriter Training Council Fellow, a longstanding industry designation owned by NAIFA.

NAIFA played a leading role in the creation of The Life Underwriter Training Council in 1947. The establishment of LUTC is one of many points in NAIFA’s history of commitment to practical training for agents and advisors in the field and to the peace of mind of consumers.

The LUTCF designation was established in 1984, and since then more than 50,000 LUTCF designations have been conferred. NAIFA is proud of its long history associated with the LUTCF designation. It has been and will continue to be the proven designation for agents and advisors across the country. The underlying principle of providing valuable industry-specific training to NAIFA members has never been more important for the industry than it is today.

How is the NAIFA LUTCF Changing?

For years, the NAIFA LUTCF program was administered on behalf of NAIFA by The American College. That partnership is ending, effective July 1, 2015.

However, NAIFA has entered in a new partnership with the College for Financial Planning to re-launch the program. Information regarding the new curriculum, requirements for completion, pricing and other details about the new NAIFA LUTCF program will be announced in September of 2014.

About the College for Financial Planning

Founded in 1972, the College for Financial Planning provides accessible and flexible degree, non-degree, and continuing professional education programs to students nationwide. Shortly after its founding, the College introduced the CERTIFIED FINANCIAL PLANNER™ certification, which has evolved into the world's most recognized and respected financial planning credential, with more than 60,000 professionals in the U.S. having earned the designation.

In addition to its CFP® Certification Professional Education Program, the College offers three graduate degree programs, for more in-depth knowledge of the finance industry. Professional designation programs are also available, with specializations ranging from asset management to retirement planning. College for Financial Planning is accredited by the Higher Learning Commission and is a member of the North Central Association. More than 140,000 students have graduated from the College’s programs. For more information, visit

How does this change affect my existing LUTCF designation?

Your designation is not affected and you may continue to use it for the rest of your career. Those who earned the LUTCF designation prior to July 1, 2015 must continue to meet any applicable continuing education requirements and adhere to a Code of Ethics.

Requirements for continuing education with regard to maintaining your LUTCF will be announced in September 2014 for those who earn the designation after July 1, 2015.

What if I’ve already started LUTCF coursework with The American College?

NAIFA has ensured that The American College will honor the LUTCF coursework of those currently working toward the LUTCF designation through July 1, 2015. This means that anyone who has begun LUTCF coursework with The American College can finish the requirements and earn the designation through The American College as long as they do so by July 1, 2015. No new students will be accepted into the LUTCF program by The American College after December 31, 2013.

Can I apply or transfer any of the LUTCF courses I have already taken with The American College to the new NAIFA LUTCF program?

This has yet to be determined but if so, will be confirmed in September 2014.

What is the FSCP offered by The American College?

The FSCP is a designation offered by The American College. NAIFA has no role in the FSCP designation program. The LUTCF designation has been and continues to be an important part of our industry’s professional education and is being updated and expanded by NAIFA, the largest and most influential association for insurance and financial advisors in the U.S., in partnership with the College for Financial Planning.

How will the NAIFA LUTCF change?

Details for the NAIFA LUTCF will be announced in September 2014. NAIFA is working now to ensure the NAIFA LUTCF continues to be the defining designation for agents and advisors throughout the insurance and financial services industry. The NAIFA LUTCF is being modernized to account for agents and advisors who are increasingly active in life insurance and a broad spectrum of other financial services. Enrollment for the NAIFA LUTCF will be open beginning January 1, 2015.

Other Questions?

If you have further questions about the NAIFA LUTCF, please contact Diane Powers, Vice President, Professional Development and Education, at 703-770-8226 or by email at