The Chartered Life Underwriter (CLU) designation is the undisputed professional credential for persons involved in the protection, accumulation, preservation, and distribution of the economic values of human life. Since the first examinations were held in 1928, more than 85,000 men and women have met the educational, experience, and ethics mandates needed to earn the CLU designation. The CLU program provides insights into the life insurance business, its importance to the economy, its operation and distribution systems, and its resurging importance for safe and secure investments. For agents, field managers, home office personnel, and others involved in providing life insurance products to the public, the CLU designation is the common bond for continuing growth and commitment to professionalism.
The Chartered Financial Consultant (ChFC) designation focuses on the comprehensive financial planning process as an organized way to collect and analyze information on a client's total financial situation; to identify and establish specific financial goals; and to formulate, implement, and monitor a comprehensive plan to achieve those goals. The ChFC program provides financial planners and others in the financial services industry with in-depth knowledge of the skills needed to perform comprehensive financial planning for their clients. Since its inception in 1982, more than 32,000 men and women have met the educational, experience, and ethics mandates needed to earn the ChFC designation.
To earn the CLU or ChFC designations, a student must complete and pass national examinations, meet experience requirements, maintain ethical standards, and agree to comply with The American College's Code of Ethics and Procedures and recertification/continuing education requirements.
To underscore the importance of ethical standards for Huebner School designations, the Board of Trustees of The American College adopted a Code of Ethics in 1984. Embodied in the Code is the Professional Pledge and eight Canons.
The Pledge to which all Huebner School designees subscribe is as follows:
"In all my professional relationships, I pledge myself to the following rule of ethical conduct: I shall, in light of all conditions surrounding those I serve, which I shall make every conscientious effort to ascertain and understand, render that service which, in the same circumstances, I would apply to myself."
I. Conduct yourself at all times with honor and dignity.
II. Avoid practices that would bring dishonor upon your profession or The
American College.
III. Publicize your achievement in ways that enhance the integrity of your
profession.
IV. Continue your studies throughout your working life so as to maintain a high
level of professional competence.
V. Do your utmost to attain a distinguished record of professional service.
VI. Support the established institutions and organizations concerned with the
integrity of your profession.
VII. Participate in building your profession by encouraging and providing
appropriate assistance to qualified persons pursuing professional studies.
VIII. Comply with all laws and regulations, particularly as they relate to
professional and business activities