 |  | | | | CLU® Curriculum |  | | The CLU® (Chartered Life Underwriter) designation can be earned by completing 5 required courses, HS 311, HS 323, HS 324, HS 330, and HS 331, and 3 elective courses from the following group: HS 300, HS 313, HS 321, HS 325, HS 326, HS 328, and HS 334. | Required Courses (5):
Click on a course for more details. | | HS 311 — | Fundamentals of Insurance Planning | HS 311 Fundamentals of Insurance Planning
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.
Close | | HS 323 — | Individual Life Insurance | HS 323 Individual Life Insurance
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.
Close | HS 324 Life Insurance Law
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.
Close | | HS 330 — | Fundamentals of Estate Planning
| HS 330 Fundamentals of Estate Planning
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.
Close | | HS 331 — | Planning for Business
Owners and Professionals
| HS 331 Planning for Business Owners and Professionals
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 —taxable and tax-free dispositions and the use of the installment sale and other methods; business uses of life and disability insurance for the benefit of business owners; disability buy-sell agreements; risk management for a closely held business; and the special problems of professional corporations.
Close | | Elective Courses (Choose Three): | | HS 300 — | Financial Planning:
Process and Environment
| HS 300 Financial Planning: Process and Environment
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.
Close | | HS 313 — | Individual Health Insurance
| HS 313 Individual Health Insurance
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.
Close | HS 321 Income Taxation
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.
Close | HS 325 Group Benefits
Analyzes group insurance benefits including the governmental environment, contract provisions, marketing, underwriting, rate making, plan design, cost containment and alternative funding methods. Covers the various private programs related to the economic problems of death, old age and disability. Discusses cafeteria plans, as well as consumerdirected health plans, such as HSAs and HRAs.
Close | | HS 326 — | Planning for Retirement Needs
| HS 326 Planning for Retirement Needs
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 deferredcompensation 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.
Close | HS 328 Investments
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.
Close | | HS 334 — | Estate Planning Applications
| HS 334 Estate Planning Applications
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.
Close | | |  | | | | | Tuition and Fees | | Admission Fee: $130
(one-time, non-refundable fee for new enrollees
at The College)
Course Tuition: $585.00 (per course)
(includes all textbooks and online study support)
Shipping and Handling: $25 (per course) | | | | | | | | | | | | | |  | | | | Earn the CLU® Your Way | | Complete each course as quickly as you like at your own pace or enroll in our monthly pay Accelerated Success program.
Accelerated Success offers: - Easy, low monthly payments: $128/month, 3-year track, 8 courses.
- Materials for each course will automatically be shipped to you when you finish the previous one.
- Testing on Your Schedule: For each course you will have five months to prepare and test at the Pearson VUE testing center of your choice (over 4000 centers available). The cost for this test is included in your low monthly fee.
Additional Study Support:
Blackboard offers extensive online study aids at no additional charge, including: - Supplemental Readings
- Online Discussion with Course Professors
- Sample Questions
- Practice Exams
Keir Study tools: Summarizes the key information found within each American College course followed by a set of practice questions with answers for immediate reinforcement of the ideas being tested. Click here to learn more.
Horizons DVD: Lectures presented by the experts who write the course textbooks. Click here to learn more. | | |  | | |
The mark CLU® is the property of The American College and may only be used by individuals who
