The NAIFA Certification Commission benefits the industry and the public by developing the process through which qualified insurance and financial professionals may apply for and receive certification.

To become an LACP, practitioners will meet the eligibility criteria and successfully complete the LACP examination.

Individuals become eligible for the certification examination by satisfying the following eligibility criteria:

1. Licensure as a life insurance agent in the jurisdiction(s) of practice
2. Attestation of compliance with the NAIFA Code of Ethics
3. Three (3) years (equivalent to 6,000 hours) of full-time experience as an active life insurance agent. Full-time employment is generally equated to 2,000 hours of work annually. Agents who have worked part-time may achieve eligibility by completing 6,000 hours of work over more than three (3) years.
4. Bachelor’s or higher degree granted by a college or university that is accredited by an entity approved by the United States Department of Education, or the equivalent
   • Or Industry designation (CLU, CFP, ChFC, FIC, FLMI, FSCP, LUTCF)
   • Or Two (2) years (equivalent to 4,000 hours) of additional experience for a total of five (5) years (equivalent to 10,000 hours) of experience as an active life insurance agent

In addition to completing the above requirements, the successful candidate must:

Achieve a passing score on the examination. Applicants who submit their application before they have fully satisfied these requirements will be determined ineligible. Applicants who are found to be ineligible will have one (1) year from the date the determination of ineligibility was communicated to the applicant to submit evidence that all requirements have been satisfied. Applicants who cannot or do not satisfy the shortcomings of their applications within this time will be required to submit an entirely new application that will be evaluated against the then-current eligibility requirements.

No applicant with a felony conviction related to any matter that pertains to the scope of services of a Life and Annuity Certified Professional may be deemed eligible for certification. 

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