CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
Quick apply
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
Life Insurance Specialist
Concord, CA · On-site
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
Quick apply
Life Insurance Specialist
Concord, CA · On-site
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
Life Insurance Agent
Reno, NV · On-site
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
Life Insurance Agent
Reno, NV · On-site
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
Life Insurance Agent
Salt Lake City, UT · On-site
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
Life Insurance Agent
Salt Lake City, UT · On-site
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
Life Insurance Agent
Billings, MT · On-site
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
Life Insurance Agent
Billings, MT · On-site
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
Life Insurance Specialist
Placerville, CA · On-site
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
Quick apply
Life Insurance Specialist
Placerville, CA · On-site
CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
OR · On-site
Professional designations such as CLU and LUTCF preferred * Bachelor's degree (or higher) with emphasis on business preferred Subject to all terms and conditions outlined in the Allstate Exclusive ...
Lutcf information
See salary details
$8.89 - $13.70
16% of jobs
$15.17 is the 25th percentile. Wages below this are outliers.
$13.70 - $18.51
29% of jobs
The median wage is $19.71 / hr.
$18.51 - $23.32
19% of jobs
$27.58 is the 75th percentile. Wages above this are outliers.
$23.32 - $28.13
12% of jobs
$28.13 - $32.93
8% of jobs
$32.93 - $37.74
5% of jobs
$37.74 - $42.55
4% of jobs
$42.55 - $47.36
2% of jobs
$47.36 - $52.16
2% of jobs
$52.16 - $56.97
1% of jobs
$56.97 - $61.78
1% of jobs
$8
$26
$61
How much do lutcf jobs pay per hour?
As of Jun 7, 2026, the average hourly pay for lutcf in the United States is $26.34, according to ZipRecruiter salary data. Most workers in this role earn between $15.14 and $30.77 per hour, depending on experience, location, and employer.
What are LUTCFs?
LUTCF stands for Life Underwriter Training Council Fellow, which is a professional designation for insurance agents and financial advisors. This credential is awarded to individuals who complete specialized training in life insurance, estate planning, and ethical selling practices. The LUTCF designation demonstrates a commitment to professionalism and ongoing education in the insurance and financial services industry. Earning this credential can help professionals better serve their clients and advance their careers.
What is the difference between Lutcf vs Loan Underwriter?
| Aspect | Lutcf | Loan Underwriter |
|---|---|---|
| Certifications | Typically requires mortgage or lending certifications | Requires mortgage, banking, or financial certifications |
| Work Environment | Works mainly in mortgage lending companies or banks | Works in banks, mortgage companies, or financial institutions |
| Job Focus | Evaluates mortgage loan applications for approval | Reviews and assesses loan applications, including mortgages |
| Common Usage | Used in mortgage lending industry | Used broadly in banking and mortgage sectors |
Both Lutcf and Loan Underwriter roles involve evaluating loan applications, especially mortgages. Lutcf is a specialized certification for mortgage underwriters, emphasizing expertise in mortgage lending. Loan Underwriters may handle various types of loans but often include mortgage assessments. Understanding these differences helps in choosing the right career path or job search focus.
What are some common challenges faced by a LUTCF (Life Underwriter Training Council Fellow) in balancing client acquisition with ongoing client service?
As a LUTCF, one of the main challenges is managing the balance between seeking new clients and maintaining high-quality service for existing clients. Prospecting and networking are critical for business growth, but it's equally important to provide timely support, policy reviews, and follow-up for current clients to ensure long-term satisfaction and retention. Time management and organizational skills are essential, as is leveraging technology and teamwork to streamline processes. Many successful LUTCF professionals set aside specific blocks of time for client outreach and use customer relationship management (CRM) tools to stay organized.
What are the key skills and qualifications needed to thrive as a LUTCF (Life Underwriter Training Council Fellow), and why are they important?
To thrive as a LUTCF, you need a solid background in insurance sales, financial planning, and customer relationship management, typically supported by completing the LUTCF designation and a relevant state insurance license. Familiarity with industry-standard CRM platforms, illustration software, and compliance systems is essential. Exceptional interpersonal skills, ethical judgment, and strong communication abilities help professionals build trust and retain clients. These competencies are vital for providing sound financial guidance, meeting regulatory standards, and sustaining long-term client relationships in the insurance industry.
More about Lutcf jobs
What job categories do people searching Lutcf jobs look for? The top searched job categories for Lutcf jobs are:
Full-time
Medical, Dental, Vision, Life, Retirement, PTO
Posted 15 days ago
Job description
Why Work For Us?
- Great Pay - opportunity to participate in AAA discretionary annual incentive plan or other incentive plans depending upon position
- 401k Matching - $1 for $1 company match up to 6% of eligible earnings per pay period
- Benefits - Medical, Dental, Vision, wellness program and more!
- Paid Holidays
- Paid Time Off - Team Members accrue paid time off monthly. Depending on position, an additional 24 hours per year are earmarked for volunteer activities.
- Collaborative Environment - AAA will value your contribution to providing exceptional service to our members
- Free AAA Classic Membership
- AAA Product Discounts
- Tuition Reimbursement Program
.
At AAA, our Team Members strive to deliver amazing service and help our Members outsmart life's roadblocks. We believe everything you do outside of work adds to who you are at work. We're working to transform AAA for the next century with a mission to create Members for life by unleashing the innovative spirit of our Team Members.
Essential Functions
- Maximizes life insurance market penetration with current members and property/casualty insureds and stays vigilant for new sales opportunities. Maintains high quality production and persistency standards to assure profitable growth. Identifies and develops sales opportunities within the community. Follows company approved sales process in the completion of required financial, activity and sales reporting.
- Provides life sales support and training on lead development and identification for the frontline employees, Insurance Sales Agents (P/C) and other staff who come in contact with members/ insureds. Establishes and maintains strong working relationships with front line employees, Sales Agents and the branch management team. Notifies Agents in a timely manner of result with referred lead. Provides leads from life insureds and other calls to Sales Agents for other products/services, i.e., membership, auto/homeowners and travel insurance.
- Stays well-informed of changes and developments in policy and/or external practices. Attends meetings to obtain information, provide input, keep lines of communication open, stay updated and offer sales ideas when appropriate. Keeps current in industry; maintains continuing education for licensure.
- Develops annual business plan with input and involvement from the Life Sales Manager to meet goals and determine responsibilities, including new business life sales, quality standards, as well as building outstanding customer relationships. Reviews plan objectives and reassesses strategies to align performance relative to annual sales goals.
- Ensures compliance with NCNU and AAA Life and regulations, as well as external regulations
Knowledge/Skills/Abilities
- Strong interpersonal, presentation and communication skills needed to interact with staff, members and insureds effectively
- Ability to cultivate relationships with peers and staff; educates staff to make referrals to Life Insurance
- Agents
- Computer skills in basic software applications, and navigating business applications specific to life insurance
- Demonstrated skills in selling life insurance and annuities; Skills to develop, track and effectively follow up on leads (preferred)
- Strong knowledge in sales techniques, life product line illustrations, features and benefits (preferred)
- Demonstrated skills in prospecting and lead generation abilities (preferred)
- Bilingual communication skills (preferred)
Education & Experience/Licenses & Certification
- High School Diploma or GED
- Valid Automobile Operator's License
- Active State Resident Life Insurance License
- Bachelor's degree in related area or an equivalent combination of education and experience
- (preferred)
- 1+ years experience in Life Insurance and/or Annuity Sales (preferred)
- CLU, ChFC and/or LUTCF Designations (preferred)
Work Environment/Physical Requirements
Works in an office environment sitting at a desk, table or computer workstation for extended periods of time. May travel by car, plane or other form of transportation to attend business meetings or conferences. Approximately 50-80 percent of the time spent on the job involves the use of a personal computer.
#LIFE
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About AAA Northern California, Nevada & Utah
Sourced by ZipRecruiter
AAA (the American Automobile Association, Inc.) is a federation of affiliated automobile clubs. Each AAA club is an independent, not-for-profit organization, chartered and incorporated in its own state and controlled by its own Board of Directors. In order to be affiliated with AAA, each club agrees to provide certain standard services to its own members, as well as members of other AAA clubs. The individual club owns the territory in which it resides, and membership is based on residence. Exact dues and services will vary slightly between clubs.
Industry
Insurance carriers
Company size
1,001 - 5,000 Employees
Headquarters location
Walnut Creek, CA, US
Year founded
1900