CHAPTER PLAYBOOK

Certifications

Life Underwriter Training Council Fellow (LUTCF) Designation – NAIFA's Life Underwriter Training Council Fellow (LUTCF) Designation is the training program that has prepared more than 70,000 insurance and financial advisors to survive and thrive in the industry.

Since 1984, the LUTCF® Designation Program has been considered the first designation any insurance professional should earn. When you earn the LUTCF® designation, you receive so much more than a recognized designation. You gain fundamental, yet critical prospecting, selling, and practice-management skills, along with a thorough working knowledge of life and multi-line products and services.

The curriculum integrates four practice specialties – life insurance and annuities, health and employee benefits, multi-line, and financial advising and investments – providing both an overview of each but also addressing their interdependencies, which are critical for agents and advisors to understand when advising clients. Topics cover the real-life issues of today, from multigenerational homes to single-parent households and special needs planning.

Life and Annuities Certified Professional (LACP) Certification – The NAIFA Life and Annuity Certified Professionals (LACP) Certification serves consumers by recognizing financial professionals with a mark of distinction for their product knowledge, consultative sales process and compliance to ethical, legal and regulatory requirements. LACP practitioners are held to a standard of excellence that defines and differentiates them from their peers and to the clients they serve.

The NAIFA LACP Certification Program is accredited by the National Commission for Certifying Agencies (NCAA) and is governed by the NAIFA Certification Commission which functions as an independent certifying body. To become an LACP, practitioners must meet the eligibility criteria and successfully complete the LACP examination. 

Certified Home Equity Advisor Credential – In partnership with Fairway Mortgage, NAIFA is offering the Certified Home Equity Advisor (CHEA) credential, a first of its kind program designed to help financial and insurance professionals responsibly integrate home equity into comprehensive retirement planning.

Exclusively for NAIFA members, the CHEA credential focuses on the ethical and strategic use of housing wealth—including reverse mortgages, when appropriate—as part of modern retirement strategies for clients aged 55 and older.

The 8-hour program combines academic research, real-world case studies, and fiduciary-aligned planning frameworks, addressing a long-standing gap in traditional financial education that often overlooks home equity as a retirement asset.

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