What is the CLU?

The Chartered Life Underwriter (CLU®) designation is Canada’s premier wealth transfer and estate planning designation. The CLU is an advanced designation that expands on the knowledge gained in the CFP® education program with a focus on estate planning and wealth transfer.

The Chartered Life Underwriter (CLU®) is an approved designation for use of the title Financial Planner in Ontario.

What it does

The CLU designation is an advanced designation that expands on the CFP® education program. It sets financial advisors apart by successfully meeting established standards for competent practice and presenting a greater level of knowledge and specialized skill in complex wealth and estate-transfer markets. CLU designation-holders are in the unique position of helping Canadians build and preserve wealth.

Maximize Business Potential

The CLU builds competencies, equips you with the knowledge and confidence to provide clients detailed wealth transfer and estate planning advice. The CLU is widely recognized in the financial services industry and respected by clients and their financial institutions. The CLU designation program cultivates trust and competency in the areas of estate planning and wealth transfer.

Setting Yourself Apart – And Ahead – In The Marketplace

CLU designation holders are regarded as elite professional financial advisors who specialize in developing effective solutions for individuals, business owners, and professionals in the areas of risk management, wealth creation and preservation, estate planning, and wealth transfer.

Requirements for CLU Designation

  • CLU candidates must have first successfully completed the Advocis Financial Planning Fundamentals Program for CLU® Certification. Candidates must then complete the three CLU Designation Courses.
  • Once you have successfully completed all required courses, you must complete a CLU Designation Candidate Agreement form and a CLU Experience Requirement form. Both completed forms must be submitted to The Institute for review. These forms will be emailed to you once you have successfully completed all required CLU courses.
  • Once you have completed the educational course requirements, met the work experience requirement, completed both forms, and paid your CLU designation dues, you will be able to hold yourself out as a CLU designation holder.
  • Financial Planning Profession & Financial Services Industry Regulation – 911
  • Financial Analysis – 912
  • Credit and Debt – 913
  • Registered Retirement Plans – 914
  • Government Benefit Plans – 915
  • Registered Education and Disability Plans – 916
  • Economics – 917
  • Investments – 918
  • Taxation – 919
  • Law – 920
  • Insurance – 921
  • Human Behaviour – 922
  • Advanced Concepts in Tax & Law for Personal Planning – 255
  • Tax & Legal Principles for Business and their Owners – 256
  • Advanced Estate Planning – 257