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Insurance agents must be licensed. Agents also earn designations such as Chartered Life Underwriter (CLU) and Life Underwriter Training Council Fellow (LUTCF). Many also belong to the National Association of Life Underwriters (NALU). Agents who sell variable financial products such as mutual funds must also be registered with the National Association of Securities Dealers (NASD) and are also required to hold state licenses.
All of these designations, licenses and associations ensure that the agent is proficient in representing the Life Insurance Companies and in servicing the client.