Financial Education for Securities, Banking, & Insurance Professionals.

Highest Standard of Knowledge and Trust

To company compliance officers and industry leaders:

Thank you for supporting the The American College in broadening the impact of the top credentials in our profession, the Chartered Life Underwriter® (CLU®) and the Chartered Financial Consultant® (ChFC®). We are asking for your support in allowing individual agents and brokers who work with your company to use the series of marks above based on the credentials they have earned, accurately describing for consumers the ChFC® and CLU® as the profession's highest standard of knowledge and trust.

Both of these marks are owned and supported by the profession's leading non-profit educator, The American College. The College has an 86-year history of dedication to financial advisors and the clients they serve.

There are no other designations for financial advisors who work with the general public that require more in-depth knowledge or are conferred by an institution with a longer track record of ethical and educational excellence.

  • The American College was founded in 1927 as a non-profit educator.
  • The College's mission is to raise the level of professionalism in financial services.
  • The institution holds the highest level of accreditation: regionally accredited by The Middle States Commission on Higher Education; 3624 Market Street; Philadelphia, PA; 19014.
  • 28 faculty members, both fulltime and adjunct, support the designation and degree programs of The College.
  • The CLU® curriculum has five required college-level core courses and three electives, covering in-depth topics such as life insurance law, insurance and estate planning, insurance for business owners and professionals, income taxation, investments, retirement planning and more.
  • The ChFC® curriculum is more extensive than that of any other financial planning credential, requiring six core courses and two electives, with an added core course which began in October, 2009. Topics include the financial planning environment and process, insurance planning, taxation, investments, retirement and estate planning, macroeconomics and financial planning applications.
  • Each program represents over 400 hours of study time and requires eight separate closed-book, proctored exams.
  • The majority of course textbooks in the two programs are written by The American College faculty. These same texts are preferred by other leading colleges and universities across the country.
  • The CLU® and ChFC® programs have strong continuing education requirements, mandating 30 hours of CE every two years supported by regular CE reporting. Each designee must meet a professional equirement of three years of relevant full-time experience within the past five years prior to the designations being awarded.
  • Every designee must adhere to a robust ethical code that requires professionals to, in light of all conditions surrounding those clients they serve, which they shall make every conscientious effort to ascertain and understand, render that service which, in the same circumstances, the advisor would render to himself or herself.
  • Consumers can report ethical violations of any CLU® or ChFC® professional by emailing The College Registrar, in conjunction with the Certification Committee of the Board, addresses all complaints in a timely and professional fashion and takes the appropriate disciplinary action, up to removal of the designation.

Since the first CLU® credential was conferred in the late 1920s, over 158,000 professionals have studied at The American College. CLU® and ChFC® are the established standards by which all other professional credentials are measured, and each is supported by a long, distinguished record of excellence in education, rigor in ethics and enforcement, and service to the general public, the financial services professionals who serve them and the industry as a whole.


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Programs of Study
Centers of

Insurance Education

Registered Health Underwriter®

(Health Insurance)


Chartered Healthcare Consultant®

(Healthcare Specialty)


Registered Employee

Benefits Consultant

(Employee Benefits)


Chartered Leadership Fellow®

(Field or Agency Leadership)


Life Underwriter Training

Council Fellow

(Insurance Skills)


Chartered Life Underwriter®

(Insurance Specialty)

Financial Planning

Chartered Financial Consultant®

(Advanced Financial Planning)


Certification Education

(Financial Planning)


Chartered Advisor for

Senior Living®

(Retirement Income Education)


Financial Services Specialist

(Financial Services Basics)


Chartered Advisor

in Philanthropy®



Retirement Income

Certified Professional

(Retirement Income)

Graduate Degrees

Master of Science in Management

(Executive Leadership)


Master of Science in

Financial Services

(Advanced Financial Planning)