Financial Education for Securities, Banking, & Insurance Professionals.


CLU® Chartered Life Underwriter®
8 Courses: 5 Required / 3 Elective

Advanced Insurance Specialization

How This Program Can Advance Your Career

The Chartered Life Underwriter® (CLU®) is the world's most respected designation of insurance expertise, helping you gain a significant advantage in a competitive market. This prestigious course of study helps advance your career by providing in-depth knowledge on the insurance needs of individuals, business owners and professional clients.


Program Learning Objectives

Upon completion of this program, the student should be able to:

  1. Provide guidance to clients on types and amounts of life insurance needed
  2. Make recommendations on aspects of risk management, including personal and business uses of a variety of insurance solutions
  3. Provide guidance to clients on legal aspects of life insurance contracts and beneficiaries
  4. Assist clients in making decisions about estate planning, including proper holding of assets and title to assets, as well as the implications of various wills and trust arrangements on financial, retirement and succession planning issues
  5. Provide a holistic and comprehensive approach to addressing the insurance planning needs of their clients

Learning Options
Class Schedule
Curriculum
Policies
More
  • Live Webinar Classes: Enhanced Online Learning

    For select courses, a webinar study option is available for those who want a more familiar classroom feel during their student experience. Attend scheduled classes online, and ask questions in real-time. And now, many of these webinar classes come complete with iPad® and iPhone®-ready material!

    View Webinar Schedule »

    Intensive Live Review: Onsite Classroom Environment

    Accelerate your CLU® Certification with Live 2½ day courses in a live classroom environment. Highly qualified American College faculty members provide you with 16 hours of intensive review of all the major course concepts. You will also have the ability to ask questions and interact with fellow students. On the last day of the session you will take a pencil and paper final exam, so there's no need to make a separate appointment at a testing center. These classes are a great way to move through your coursework quickly and conveniently.

    View Intensive Live Review Classes »

    Flexible Self-Paced Program: Earn the CLU® On Your Time

    You can study at your own pace, wherever and whenever it is most convenient for you. Complete your program as fast as you like; the self-paced program gives you the opportunity to truly tailor your education to your lifestyle. Our online study aids provide you with the guidance and practice you need to feel confident on test day. With every registration, students are granted access to:

    • Downloadable e-books for your iPad® or iPhone®
    • Online discussion with course professor
    • Supplemental readings
    • Streaming video lectures
    • Audio reviews
  • Intensive Review Classes

    There are no upcoming classes scheduled.


    Live Online Courses

     
    HS 330 - September 30–October 23
    HS 330 - Fundamentals of Estate Planning
    Date: 09/30/14–10/23/14
    Professor(s): Constance Fontaine

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 321 - November 11–December 9
    HS 321 - Income Taxation
    Date: 11/11/14–12/09/14
    Professor(s): Christopher Woehrle

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 300 - November 11–December 9
    HS 300 - Financial Planning: Process/Environment
    Date: 11/11/14–12/09/14
    Professor(s): Craig Lemoine

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 326 - January 6–January 29
    HS 326 - Planning for Retirement Needs
    Date: 01/06/15–01/29/15
    Professor(s): Jamie Hopkins

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 300 - February 3–February 26
    HS 300 - Financial Planning: Process/Environment
    Date: 02/03/15–02/26/15
    Professor(s): Craig Lemoine

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 328 - February 17–March 12
    HS 328 - Investments
    Date: 02/17/15–03/12/15
    Professor(s): Walter Woerheide

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 321 - November 11–December 9
    HS 321 - Income Taxation
    Date: 11/11/14–12/09/14
    Professor(s): Christopher Woehrle

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 300 - November 11–December 9
    HS 300 - Financial Planning: Process/Environment
    Date: 11/11/14–12/09/14
    Professor(s): Craig Lemoine

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 326 - January 6–January 29
    HS 326 - Planning for Retirement Needs
    Date: 01/06/15–01/29/15
    Professor(s): Jamie Hopkins

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 300 - February 3–February 26
    HS 300 - Financial Planning: Process/Environment
    Date: 02/03/15–02/26/15
    Professor(s): Craig Lemoine

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 328 - February 17–March 12
    HS 328 - Investments
    Date: 02/17/15–03/12/15
    Professor(s): Walter Woerheide

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 321 - November 11–December 9
    HS 321 - Income Taxation
    Date: 11/11/14–12/09/14
    Professor(s): Christopher Woehrle

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 300 - November 11–December 9
    HS 300 - Financial Planning: Process/Environment
    Date: 11/11/14–12/09/14
    Professor(s): Craig Lemoine

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 326 - January 6–January 29
    HS 326 - Planning for Retirement Needs
    Date: 01/06/15–01/29/15
    Professor(s): Jamie Hopkins

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 300 - February 3–February 26
    HS 300 - Financial Planning: Process/Environment
    Date: 02/03/15–02/26/15
    Professor(s): Craig Lemoine

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 328 - February 17–March 12
    HS 328 - Investments
    Date: 02/17/15–03/12/15
    Professor(s): Walter Woerheide

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 330 - September 30–October 23
    HS 330 - Fundamentals of Estate Planning
    Date: 09/30/14–10/23/14
    Professor(s): Constance Fontaine

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 300 - November 11–December 9
    HS 300 - Financial Planning: Process/Environment
    Date: 11/11/14–12/09/14
    Professor(s): Craig Lemoine

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 321 - November 11–December 9
    HS 321 - Income Taxation
    Date: 11/11/14–12/09/14
    Professor(s): Christopher Woehrle

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

  • CLU® Curriculum

    Course Name
    Course #
    Required
     
    Fundamentals of Insurance Planning
    HS 311
     

    Focuses on the role of planning for insurance needs. Covers basic concepts in risk management and insurance, insurance industry operations, legal principles pertaining to this industry, and regulation of insurers. Examines social insurance, life insurance and annuities, medical and disability income insurance, long-term care insurance and personal property and liability insurance. Concludes with an overview of commercial property and liability insurance and a case study.

     
    Individual Life Insurance
    HS 323
     

    Focuses on life insurance policies and annuities available for the personal needs of individuals and their use in financial planning. Covers individual insurance products and insurance reserves regulation. Also covers insurance company organization, operations and investments.

     
    Life Insurance Law
    HS 324
     

    Examines legal rights and obligations of the policy owner and the insurance company, the way disputes between insureds and insurers are resolved and general principles of the judicial process. Covers legal aspects of life insurance, including basic principles of contract law; policy provisions and the incontestable clause; assignments, ownership rights and creditor rights; beneficiary designations and disposition of proceeds; the law of agency; and advertising and privacy issues.

     
    Fundamentals of Estate Planning
    HS 330
     

    Covers various aspects of estate and gift tax planning, including the nature, valuation, transfer, administration and taxation of property. Provides a basic understanding of the estate and gift tax system, including strategies of estate planning. Discusses gratuitous transfers of property outright or with trusts, wills and powers of appointment; use of the marital deduction; valuation of assets; and buy-sell agreements. Covers the client interview, fact finding, ethical standards and development of personal estate plans.

     
    Planning for Business Owners and Professionals
    HS 331
     

    Focuses on tax and legal aspects of organizing a business; compensation planning for the business owner; business succession planning; buy-sell agreements; estate planning and estate freezing techniques; methods for transferring a family business; lifetime disposition of a business interest

     
    Financial Planning: Process and Environment
    HS 300
     

    Provides an overview of the financial planning process, including communication techniques, ethics, risk tolerance, time-value-of-money concepts, financial planning applications, regulatory issues and the legal and economic environment for financial planning. Offers an understanding of the role and responsibilities of a financial planner, along with some analytical skills to aid in financial decision making.

     
    Individual Health Insurance
    HS 313
     

    Provides an overview of individual health insurance that is designed to meet the needs of individuals, families and certain business situations. Covers medical expense insurance, disability income insurance and long-term care insurance. Discusses types of policies, contractual provisions, regulation and underwriting. Consumer-directed health plans are also covered.

     
    Income Taxation
    HS 321
     

    Examines the federal income tax system with particular reference to the taxation of individuals. Covers such concepts as gross income, exclusions from gross income, deductions, tax credits, capital gains and losses, taxation of life insurance and annuities and income taxation of partners, partnerships, corporations and shareholders.

     
    Group Benefits
    HS 325
     

    Analyzes group insurance benefits including the governmental environment, contract provisions, marketing, underwriting, rate making, plan design, cost containment and alternative funding methods. Discusses the various private programs related to the economic problems of death, old age and disability, as well as government based health care under the Affordable Care Act. Covers cafeteria plans, as well as consumer directed health plans, such as HSAs and HRAs.

     
    Planning for Retirement Needs
    HS 326
     

    Focuses on selecting the right retirement plan for the business and on individual retirement planning. Covers qualified plans, SEPs, SIMPLEs and 403(b) plans and nonqualified deferred compensation plans. Emphasizes the practical knowledge needed for choosing the best retirement plan, especially for the small business, and designing a plan that will meet a client’s needs. Also covers individual retirement planning including IRAs and Roth IRAs, Social Security benefits, saving for retirement and planning for retirement plan distributions.

     
    Investments
    HS 328
     

    Covers various aspects of the principles of investments and their application to financial planning. Discusses risk analysis and risk and return computations. Looks at stocks, bonds, investment companies, options and futures contracts. Includes an extended discussion of tax issues in investing and issues in the practice of portfolio management, including strategic and tactical asset allocation. Provides many examples of ethical and practical issues in managing a client’s portfolio.

     
    Estate Planning Applications
    HS 334
     

    Covers estate and gift tax principles with an emphasis on life insurance planning applications. Discusses forecasting the gross estate, life insurance trusts, valuation principles, the use of charitable contributions as an estate planning technique, planning opportunities stemming from the marital relationship, the taxation of trusts, implications of employee benefits and estate freezes. Includes a case study reflecting procedural aspects of estate planning.

    *Students who have already taken HS 318 may not take HS 300 or HS 311 for credit toward the CLU® designation.

  • Program Completion Requirements

    To receive the CLU® designation, you must successfully complete all courses in your selected program, meet experience requirements and ethics standards, and agree to comply with The American College Code of Ethics and Procedures.

    Full Completion Requirements »

    Code of Ethics

    To underscore the importance of ethics standards for Huebner School designations, the Board of Trustees adopted a Code of Ethics in 1984. Embodied in the Code are the Professional Pledge and eight Canons.

    Learn more »

    Continuing Education

    Many of the programs at The American College qualify for Continuing Education. Understand that this information changes frequently, and while we will do our best to provide current data, it is your responsibility to verify CE credits with your state.

    Learn more »

    PACE Recertification

    A Recertification Fee is applied to First-Time PACE-Required Designees after February 1, 2007. A fee of $250 (recurring every two (2) years) covers multiple designations and is not retroactive for prior PACE-required designees.

    *Approximately 90% of PACE recertification fees will be used for public awareness of the designations.

    Learn more »

    The 5-Year Rule

    The American College pledges to offer the most up-to-date material and course offerings. In doing so, all courses are subject to the Five-Year Rule, in the interest of the most valid study material and timely designation completion.

    Learn more »

    Policy FAQs

    Answers for common questions concerning core designations (exam retake and reschedule policies, tuition and fees, etc.) can be found on the Core Designations FAQ page.

    Access the FAQ »

  • Highest Standard of Knowledge and Trust

    If you earn the CLU® designation, you can also earn the ChFC® designation by completing a minimum of four additional courses. For the ChFC®, you must complete the remaining core courses and select from the electives list for that program if additional courses are still needed; electives in the CLU® program may not be used as electives in the ChFC® program.

    Learn more »

    Additional Study Support

    Cost-effective supplementary study materials, developed in partnership with Kier Educational Resources, are also available for select ChFC® courses.

    Learn more »

    Refund Requests

    All requests for refunds must be made in writing to the Office of Professional Education, The American College, 270 S. Bryn Mawr Ave., Bryn Mawr, PA 19010. We will refund your course tuition less a $170 cancellation fee for 30 days into the quarter for which you are registered. Textbooks do not need to be returned and no refund will be given for these textbooks.

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Phone: 888-263-7265

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Hours: M–F 8 a.m. – 6 p.m. ET

Program Price—Best Value!

On Your Time Package: $4,296

Self-paced study with the best support in the business. Enjoy extensive online study materials including practice exams, audio reviews, video clips and more.

Tuition & Fees

Tuition: $659 (per course)

Admission Fee: $150*

Retake/Reschedule: $170

Shipping: $25 (per course)

Your tuition includes all required study materials, access to convenient online learning tools, and your examination. Supplementary study materials are also available for an additional cost.

*One-time, nonrefundable fee for new enrollees at The College.

 
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