Chartered Life Underwriter (CLU) is a person who has attained a high degree of technical competency in the fields of health and life insurance. This person is bound by a code of ethics. There is a requirement of experience and examinations to be completed.

Your agent or broker should be someone you can trust to help you make the choice of what type of insurance you need. They need to be competent, show concern about you as an individual and be open to discussion.

Turners Tips recommends that you need to take control of your insurance. Whether it is your auto insurance for the family driver or the fleet insurance for your trucking company, you need to know what you have a why you have it. It is not any different with the life insurance product you buy or the disability plan or group insurance for your employees.