Financial Education for Securities, Banking, & Insurance Professionals.

Completing Your Program

Program Completion and Use of Designations and Degrees

Program CompletionThe American College awards designations and degrees monthly. Applications must be received by the 15th of the month after the last examination is passed. Then designations or degrees are awarded on the first day of the second month following the date the last examination is passed. (For example, if the last exam was completed in the month of May, the designation application deadline is June 15th. The designation or degree can be used July 1st, if all other requirements are also satisfied.)

To ensure recognition at Fall commencement, you must complete your courses by August 31st and your application must be received at The American College no later than September 15.

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Learn More About Completion Requirements
Click on your program of study below.

 
CLU®/ChFC®/REBC®/CLF®/RICP®/ChHC® Designations
Program Completion Requirements
To receive these designations (CLU®/ChFC®/REBC®/CLF®/RICP®/ChHC®), 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.

Experience
Three years of full-time business experience is required for all Huebner School designations. The three-year period must be within the five years preceding the date of the award. An undergraduate or graduate degree from an accredited educational institution qualifies as one year of business experience. Part-time qualifying business experience is credited toward the three-year requirement on an hourly basis, with 2,000 hours representing the equivalent of one year full-time experience. The following activities meet the required business experience qualifications included in the CLU®/ChFC®/REBC®/CLF®/ChHC® certification process.

Insurance and health care
  • Field underwriting and management, including sales and service activities, supervision and management of persons involved in sales or services, or staff support of persons in these activities.
  • Company management and operations in positions involving substantial responsibility.

Financial services and employee benefits
  • Client service and related management, including direct contact with clients, supervision and management of persons involved directly in the process of providing financial services or employee benefits, or staff support of persons in these activities.
  • Financial institution management and operations in positions involving substantial responsibility.

Other
  • University or college teaching of subjects related to the Huebner School curriculum on a full-time basis at an accredited institution of higher education.
  • Government regulatory service in a responsible administrative, supervisory, or operational capacity.
  • Activities directly or indirectly related to the protection, accumulation, conservation, or distribution of the economic value of human life; these include the work of actuaries, attorneys, CPAs, investment advisers, real estate investment advisers, stockbrokers, trust officers, or persons in other similar occupations.

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.

The Professional Pledge
  • "In all my professional relationships, I pledge myself to the following rule of ethical conduct: I shall, in light of all conditions surrounding those I serve, which I shall make every conscientious effort to ascertain and understand, render that service which, in the same circumstances, I would apply to myself."

The Canons
I. Conduct yourself at all times with honor and dignity.
II. Avoid practices that would bring dishonor upon your profession or The American College.
III. Publicize your achievements in ways that enhance the integrity of your profession.
IV. Continue your studies throughout your working life so as to maintain a high level of professional competence.
V. Do your utmost to attain a distinguished record of professional service.
VI. Support the established institutions and organizations concerned with the integrity of your profession.
VII. Participate in building your profession by encouraging and providing appropriate assistance to qualified persons pursuing professional studies.
VIII. Comply with all laws and regulations, particularly as they relate to professional and business activities.

Continuing Education
All CLU®s and ChFC®s who matriculated after June 30, 1989, and all REBC®s, and CLF®s are subject to the PACE Recertification Program. If you are a CLU®, ChFC®, REBC®, CLF®, or ChHC® who falls into any of the following specified categories, you are required to earn 30 hours of CE credit every two years:
  • Licensed insurance agent/broker/consultant
  • Licensed security representative/registered investment advisor
  • Financial consultant, attorney, accountant, employee benefits specialist, and any other individual who provides insurance, employee benefits, financial planning, or estate planning advice and counsel to the public

If you have earned all 30 CE credits through The American College, you do not have to sign and file a statement of compliance. The College will record CE credits you earned at The College and notify you when you have met the requirements.

If you are a CLU®, ChFC®, REBC®, CLF®, or ChHC® subject to PACE but do not fall into one of the above categories, you are exempt from the CE requirements. You will be required to notify the College of your exempt status every reporting period, as long as the exemption applies.

Download the Course Registration Form
Click here to read more about PACE requirements.
Download the PACE Recertification Form
 
CASL® Designation
Experience
The experience requirement for the CASL® designation may be satisfied by EITHER of the following:
  • Achieving the experience requirements for The College's CLU®, ChFC®, REBC®, and CLF® designations, OR
  • Advising clients on financial and/or practical matters relating to their retirement years or on issues dealing with aging for at least three of the five years preceding the awarding of the designation. The same rules for part-time qualifying experience count for this type of work experience as count toward the CLU® and ChFC® designations.

Code of Ethics
Each designee will be required to adhere to The College's Code of Ethics and Procedures. Embodied in the Code are the Professional Pledge and the eight Canons.

The Professional Pledge
"In all my professional relationships, I pledge myself to the following rule of ethical conduct: I shall, in light of all conditions surrounding those I serve, which I shall make every conscientious effort to ascertain and understand, render that service which, in the same circumstances, I would apply to myself."

The Canons
I. Conduct yourself at all times with honor and dignity.
II. Avoid practices that would bring dishonor upon your profession or The American College.
III. Publicize your achievements in ways that enhance the integrity of your profession.
IV. Continue your studies throughout your working life so as to maintain a high level of professional competence.
V. Do your utmost to attain a distinguished record of professional service.
VI. Support the established institutions and organizations concerned with the integrity of your profession.
VII. Participate in building your profession by encouraging and providing appropriate assistance to qualified persons pursuing professional studies.
VIII. Comply with all laws and regulations, particularly as they relate to professional and business activities.

Continuing Education
Each designee must complete 15 hours of continuing education every two years with the additional condition that at least 10 of these hours should be in course work directly related to the course work required to obtain this designation. The two-year reporting period will run concurrently with the reporting period in effect for meeting CLU® and ChFC® continuing education requirements, and commence with the first reporting period following the awarding of the designation. The CE requirements for the CASL® designation are administered by the PACE Recertification Program.

If you have earned all 15 CE credits through The American College, you do not have to sign and file a statement of compliance. The College will record CE credits you earned at The College and notify you when you have met the requirements.

The use of CE credits to meet various state requirements for CE for insurance and other professional recognitions does not preclude designees from using those same credits for this designation. Course work to earn other designations in the senior living field also may count towards CE requirements.

Download the Course Registration Form .
 
CAP® Program
Experience
To apply for the CAP® designation, you must certify in writing that, for at least three of the five years immediately preceding this application, you have been:
  • Actively involved in advising individuals or charitable organizations in any of the following areas: wealth and estate planning, financial planning, charitable planning, charitable giving, planned giving, nonprofit or foundation management or services, investment management of charitable trusts, funds or endowments, or accounting for nonprofit organizations as part of your regular practice or employment OR
  • Employed in the nonprofit sector in a capacity related to nonprofit management, development, planned giving, or fundraising.

Code of Ethics
In applying for the CAP® designation, you also must subscribe to ethical standards, embodied by The American College Code of Ethics and Procedures (which includes the Professional Pledge and eight Canons) and additional ethical codes.

In addition to complying with these standards, you also must certify in writing that you meet professional codes, canons of ethics, or standards of practice of licenses or professional designations already earned AND have adopted at least one of the following codes of ethics or standards of practice applicable to fundraisers and charitable planners:
  • The Code of Ethical Principles and Standards of Professional Practice of the Association of Fundraising Professionals (AFP)
  • The Model Standards of Practice for the Charitable Gift Planner adopted by the National Committee on Planned Giving (NCPG) and The American Council on Gift Annuities (ACGA).

You must also subscribe in writing to the provisions of The Donor Bill of Rights originally promulgated by The American Association of Fundraising Counsel (AAFRC), the Association for Healthcare Philanthropy (AHP), the Council for Advancement and Support of Education (CASE), and the AFP. Copies of these standards are provided to applicants as part of the application process.

Continuing Education and Field Service
As a CAP® designee, you are required to meet continuing education (CE) requirements every two years, beginning with the period after you earned the designation. The PACE Recertification Program administers the CAP® CE requirements. For each two-year period, you must earn at least 15 CE credits for continuing education within the areas of charitable giving, charitable planning, planned giving, nonprofit management, or any other area directly related to the field of philanthropy, through programs offered or approved by The American College.

You will be required to file a signed statement of compliance with this requirement and should be ready to verify credits independently upon request. (If you earned all 15 CE credits through The American College, you do not have to sign and file a statement of compliance. The College will record CE credits you earned at The College and notify you when you have met the requirements.)

Download the Course Registration Form
 
Graduate School
MSM Degree
  • The Office of the Registrar determines and certifies that you have completed all degree requirements. Once certified, you are considered to have graduated with all the rights, privileges, and obligations pertaining thereto.
  • Degrees are awarded on the first day of the second month following the month earned. For example, if a student completed the final course in April, they could commence using the degree July 1.

MSFS Degree
  • Students admitted to the graduate program have 5 years from the date of admission to complete degree requirements. Acceptance of courses completed prior to admission will be determined by the Graduate School director. Upon completion of degree requirements, you are eligible to participate in our annual commencement exercises.
  • The Office of the Registrar determines and certifies that you have completed all degree requirements. Once certified, you are considered to have graduated with all the rights, privileges, and obligations pertaining thereto.
  • Degrees are awarded on the first day of the second month following the month earned. For example, if a student completed the final course in April, they could commence using the degree July 1.

Students who have completed academic requirements by August 31, and are subsequently certified by the Registrar, are invited to participate in commencement. Diplomas are mailed to graduates after commencement.

Download the Grad School Application.


For Informational Brochures to Promote Your Designation Click Here

CFP® Certification Curriculum Students In addition to completing the CFP® Certification Curriculum, students must meet additional CFP Board requirements in order to qualify to sit for the CFP® Certification examination. These include the completion of a Bachelor's degree and ethics and experience requirements. Please visit www.cfp.net for more information.




Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER, and CFP (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

 

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The 5-Year Rule

In order to facilitate timely completion of a student's designation and as part of The College's pledge to offer the most up-to-date material and course offerings, all courses are subject to the 5 Year Rule.

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Programs of Study
 
Centers of
Excellence

Resources
Insurance Education
 
RHU®

Registered Health Underwriter®

(Health Insurance)

 
 
ChHC®

Chartered Healthcare Consultant®

(Healthcare Specialty)

 
 
REBC®

Registered Employee

Benefits Consultant

(Employee Benefits)

 
 
CLF®

Chartered Leadership Fellow®

(Field or Agency Leadership)

 
 
LUTCF

Life Underwriter Training

Council Fellow

(Insurance Skills)

 
 
CLU®

Chartered Life Underwriter®

(Insurance Specialty)

 
 
Financial Planning
 
ChFC®

Chartered Financial Consultant®

(Advanced Financial Planning)

 
 
CFP®

Certification Education

(Financial Planning)

 
 
CASL®

Chartered Advisor for

Senior Living®

(Retirement Income Education)

 
 
FSS

Financial Services Specialist

(Financial Services Basics)

 
 
CAP®

Chartered Advisor

in Philanthropy®

(Philanthropy)

 
 
RICP

Retirement Income

Certified Professional

(Retirement Income)

 
 
Graduate Degrees
 
MSM

Master of Science in Management

(Executive Leadership)

 
 
MSFS

Master of Science in

Financial Services

(Advanced Financial Planning)