Professional Designations

What is a Life Underwriter Training Council Fellow (LUTCF)?

By  Brian Thorp

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Administered by the National Association of Insurance and Financial Advisors (NAIFA), the LUTCF designation focuses on life insurance, other insurance products, risk management and investment products. Let’s take a closer look at what this designation is, what it takes to earn it and how you may benefit from working with an LUTCF. 

What is a Life Underwriter Training Council Fellow (LUTCF)?

A Life Underwriter Training Council Fellow (LUTCF) is expert in understanding the life insurance options available to people from all walks of life. Often, they are newer life insurance agents who wish to jumpstart their careers or take their expertise to the next level. 

LUTCFs are well-versed in a variety of life insurance products as well as how to educate others on them. LUTCF holders help clients including those who are single, in a dual parent or single parent household or same sex marriage choose the right life insurance plans. They also assist with disability income, property and casualty insurance and long-term care. 

Should You Hire a LUTCF?

An LUTCF may be a great option if you’re an individual or business owner who would like to ensure you choose the ideal life insurance plan for your unique situation. You may also find value in a LUTCF if you’d like assistance with other types of insurance including health insurance, property and casualty insurance, disability insurance and long-term care insurance.

This type of professional is particularly beneficial if you’re overwhelmed with the countless insurance options on the market. They will ask you about your short and long-term goals and budget. While you can’t expect a LUTCF to select insurance products for you, you can count on them to inform you of your options so you can make informed decisions.

What Does it Take to Earn and Maintain the LUTCF?

Those who hope to earn a LUTCF designation must fulfill certain requirements set forth by NAIFA. Here’s a brief overview of what that they are.

LUTCF Coursework Requirements

To become a LUTCF, candidates must read educational manuals and attend a series of three, nine week in-person or virtual training courses, which are essentially pre-recorded lectures. The courses are as follows:

  • Course 1: Introduction to Practice Management and Life Insurance
  • Course 2:  Insurance and Investment Products
  • Course 3: Risk Management Applications 

The first course covers topics such as business planning, the basics of life insurance products, prospecting and selling skills. With the second course, candidates can expect to dive deeper into life insurance, annuities, mutual funds and insurance for health, disability and long-term care. 

In the third course, candidates will learn risk management applications like retirement, estate planning and unique situations. Through this coursework, they’ll receive the knowledge and skills necessary to pass the certification exams. 


Once they complete the coursework, LUTCF candidates will be eligible to sit for the proctored exams. There are three exams that each consist of 100 questions. A minimum score of 70% is required to pass and become a LUTCF.

LUTCF Continuing Education Requirements

LUTCFs must fulfill continuing education requirements to maintain their designation. To do so, they are required to pay a fee and complete three hours of ethics courses every two years. 

How To Find The Best LUTCF For You

You’ll find a growing number of Life Underwriter Training Council Fellows featured on Wealthtender this year and you can also search on Google or LinkedIn for the term LUTCF.


How can I confirm the financial professional I’m working with holds the Life Underwriter Training Council Fellow designation?

Send an email to

What if I have a complaint about the Life Underwriter Training Council Fellow I’m working with?

Send an email to

Where can I learn more about other professional designations held by financial advisors and coaches?

Refer to this list of popular financial certifications prepared by Wealthtender to help you learn more about each designation. You’ll find a brief description of each certification, plus links to in-depth articles if you want to learn more about a particular designation.

About the Author
Brian Thorp, Founder and CEO of Wealthtender profile picture

About the Author

Brian Thorp

Brian is CEO and founder of Wealthtender. He and his wife live in Texas, enjoying the diversity of Houston and the vibrancy of Austin.

With over 25 years in the financial services industry, Brian is applying his experience and passion at Wealthtender to help more people enjoy life with less money stress.

Connect with Brian on LinkedIn

Disclaimer: The information in this article is not intended to encourage any lifestyle changes without careful consideration and consultation with a qualified professional. This article is for reference purposes only, is generic in nature, is not intended as individual advice and is not financial or legal advice.

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