Chartered Life Underwriter (CLU)
A professional designation for advanced education in life insurance, estate planning, taxation, and related financial-planning topics.
What does Chartered Life Underwriter (CLU) mean in insurance?
The CLU designation signals specialized study of life insurance and planning concepts. It is a professional credential, not an insurance license, and it does not replace state licensing requirements for selling insurance.
Exam-ready definition
A professional life-insurance planning designation; it is not a state insurance license.
Example
A licensed producer may earn the CLU designation to deepen expertise in life insurance and estate-planning applications.
Common misconception
Holding a CLU designation alone does not authorize someone to sell insurance.
Sample insurance exam question
Does a CLU designation replace a producer's state insurance license?
Show answer
No. A CLU is a professional designation, not a license to transact insurance.
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