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 OPPORTUNITY

Meet the Need for Advanced Insurance Planning

We are in an era of generalists: professionals with planning acumen that’s only scratching the surface. Furthermore, many advisors aren’t doing planning at all. That’s a major red flag when the stakes get higher.

Advisors with advanced designations are less likely to see anxious client requests for rash planning changes than those focusing solely on investment management.1

1 The American College of Financial Services. Advising Through Uncertainty Study. 2025.

THE KNOWLEDGE GAP

Why Most Advisors Overlook Insurance

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.

of American adults say they need more life insurance coverage.2

of Americans reported having life insurance in 2024 — down from 63% in 2011.2

2 LIMRA. 2024 Insurance Barometer Study. 2024.

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®

Your Special Offer: Save Nearly $300 on the First Course!

Ready to take the next step toward greater professional success? For a limited time, use promo code SPECIALIZEIN25 to get nearly $300 off your first CLU® course (a 30% tuition savings!).

Enroll Now

Take the Lead 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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