Health and Life

• Life Insurance
  ® is the highest level designation available in the life insurance profession, and is obtained by completing retirement planning course work that focuses on the financial planning needs of clients like you. Chartered Life Underwriters have completed advanced courses and exams in regard to insurance, investments, taxation, employee benefits, estate planning, accounting, management and economics.
• Health Insurance
  ® designation is the undisputed professional credential for persons involved in the sale and service of disability income and health insurance.
• Long Term Care
  The Certified in Long-Term Care program is the long-term care insurance industry’s only independent professional designation. The Certified in Long-Term Care course is focused on the field of long-term care planning and provides legal, accounting, insurance and financial service professionals the critical tools necessary to address the subject matter with their middle-age clients.

Business

• Business Insurance
  The Life Underwriting Training Council Fellow℠ certification coursework provides advisors with a better understanding of a variety of insurance products and addresses the protection planning needs of individuals. Candidates are required to meet ethics standards and pass a certification examination covering the following areas: retirement planning, investing, estate planning, annuities, business insurance, employee benefits, life insurance and disability income insurance.

Personal

• Annuities
  ® variable annuities. Variable annuities are insurance products that are complex, long-term investment vehicles that are subject to market risk, including the potential loss of principal invested. Surrenders that do not qualify for a waiver may be subject to a surrender charge. Surrenders are subject to income taxes, and surrenders before age 59-1/2 may incur an IRS 10% early withdrawal penalty.