How to Study for the CLU

The CLU is studied course by course, and each required course has its own proctored final exam. The outline from The American College of Financial Services runs from HS 311 on insurance planning through HS 323 and HS 330 to HS 331 on planning for business owners.

Start with The American College outline
- The American College CLU designation (courses) ↗
About the CLU exam
- All CLU practice exam details
Work through each course
- HS 311 Fundamentals of Insurance Planning
  - Risk management foundations
  - Life, health, disability, and long-term care insurance
  - Annuities and social insurance
  - Property, liability, and credit protection
- HS 323 The Tools and Techniques of Life Insurance Planning
  - Policy design and mechanics
  - Insurer operations and reserves
  - Annuity products
  - Matching products to planning needs
- HS 330 Fundamentals of Estate Planning
  - Property ownership and transfer
  - Wills and trusts
  - Estate and gift tax system
  - Charitable and business-transfer strategies
- HS 331 Planning for Business Owners and Professionals
  - Business entity and compensation planning
  - Buy-sell agreements
  - Succession and estate-freeze techniques
  - Risk management for closely held businesses
Practice by topic
Mix topics in one practice set
- CLU practice questions with answers
Compare the CLU with other exams
- CLU vs ChFC