Master Risk Management and Protect Clients’ Futures
Risk management is the foundation of every sound financial plan — and it’s increasingly important as markets and your clients weather life’s ups and downs. Clients face complex risks, from longevity to liability, and require a customized plan just for them … which means you need in-depth education on the complexities of life insurance solutions.
THE KNOWLEDGE GAP
Why Most Advisors Fall Short
When a financial advisor’s focus is on managing assets and investments, other areas of planning can be underserved. Life insurance is complex, and demand and adoption are diverging. Because of this, many advisors offering services related to insurance products and solutions may not be as knowledgeable as they need to be to best serve their clients.
Five in 10 financial professionals offering specialized insurance and risk management planning services demonstrate only a basic or intermediate level of proficiency in those skills.1
1The American College of Financial Services. Advisor Expertise Study. 2026.
THE OPPORTUNITY
Exceed Insurance Planning Expectations
A general financial planning education can help clients address basic concerns — but as you seek to grow your career and expand your business, clients aren’t going to be satisfied with only surface-level knowledge when it comes to their increasingly complex questions.
53% of clients working with advisors with advanced insurance and risk management expertise are high-net-worth individuals or families.2
2The American College of Financial Services. Advisor Expertise Study. 2026.
THE SOLUTION
Become a CLU®
The Chartered Life Underwriter® (CLU®) Program delivers the skills and expertise you need to design financial plans backed by tailored insurance solutions to protect your clients from life’s uncertainties.
Mastery of life, health, and long-term care insurance products
Tools to address client needs and build complex strategies
90% of CLU® designees report increased confidence in risk management planning3
3 FUSE Research Network. The American College of Financial Services Designation Outcomes Study. 2024.
"The CLU® Program deepened my expertise and confidence as a life insurance professional. A practical, rigorous, and essential program for anyone serious about serving clients with excellence."
—Jerry Robinson, CLU®
Stack Your Credentials, Amplify Your Impact
Already hold the CFP® mark or Chartered Financial Consultant (ChFC®) designation? Earn the CLU® with just three more courses.
Financial professionals with multiple College designations report 45% higher growth in client retention and 19% higher growth in earnings.4
4FUSE Research Network. The American College of Financial Services Designation Outcomes Study. 2024. Growth comparison based on reported three-year period compared to professionals without designations.
Advisors with multiple College designations score five points higher on our Advisor Expertise Index than those with no designations, and four points higher than those with only one designation.5
5The American College of Financial Services. Advisor Expertise Study. 2026.
Your Special Offer: Save Nearly $300 on the First Course!
Become an Expert in Risk Management
Get personalized program information, see how the CLU® can fit into your business, and claim your exclusive tuition savings now.
The American College of Financial Services is the nation’s leader in advanced financial planning education. Learn more about the CLU® Program at TheAmericanCollege.edu/CLU.
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