DESIGNATION & AFFILIATIONS

Chartered Life Underwriter (CLU^®)

Since 1927, the CLU^® has been the respected risk management credential for advisors. Designees have completed eight or more college-level courses representing an average study time of 400 hours. Topics for required courses include insurance and financial planning, life insurance law, estate planning, and planning for business owners and professionals. Elective courses include such advanced topics as income taxes, group benefits, retirement planning, and health insurance. CLU^® designees must meet experience and continuing education requirements and must adhere to a high ethical standard. The mark is awarded by The American College, a non-profit educator with the top level of academic accreditation.

Chartered Financial Consultant (ChFC^®)

The ChFC^® designation has been a mark of excellence for almost thirty years and currently requires nine college-level courses, the most of any financial planning credential. Average study time to earn the ChFC^® exceeds 450 hours. Required courses cover extensive education and application training in financial planning, income taxation, investments, and estate and retirement planning. Additional electives are chosen from such topics as macroeconomics, financial decisions for retirement, and executive compensation. ChFC^® designees must meet experience requirements and adhere to continuing education and ethical standards. The credential is awarded by The American College, a non-profit educator founded in 1927 and the highest level of academic accreditation.

AEP^®

The AEP^® designation is a graduate-level specialization in estate planning, obtained in addition to already recognized professional credentials within the various disciplines of estate planning who support the team concept of estate planning. It is awarded to estate planning professionals who meet stringent requirements of experience, knowledge, education, professional reputation, and character.

This information provided by The American College as a public service.

INDUSTRY INVOLVEMENT

Society of Finance Professionals (FSP)

Paul J. Haye has been a member of the Society of Finance Professionals (FSP) in Toledo since 2007. FSP uses resources and knowledge to help members build networks, enhance their knowledge, and grow their practices. Their mission is to "empower our members to deliver the highest level of ethical service to their clients, by promoting mutually beneficial multidisciplinary relationships and by providing high-level, top-quality educational opportunities in conjunction with industry experts and thought-leaders."

Information Source: FSP Website

Million Dollar Round Table^* (MDRT)

Paul J. Haye has been a Qualifying Member of the Million Dollar Round Table (MDRT) throughout his tenure as an agent and in the last 17 years has been a qualifier of the Court of the Table. Founded in 1927, the Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals^®, is a global, independent association of more than 43,000 of the world's leading life insurance and financial services professionals from more than 500 companies in 67 countries. MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. MDRT membership is recognized internationally as the standard of excellence for life insurance sales performance in the life insurance and financial services business.

Information Source: MDRT Website

^*The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

National Association of Insurance and Financial Advisors (NAIFA)

Paul J. Haye has been a member since 1981 and has been a consistent recipient of NAIFA’s National Quality Award—20 years in 2020, and has received NAIFA’s National Sales Achievement Award three times. The National Association of Insurance and Financial Advisors (NAIFA) was founded in 1890 as The National Association of Life Underwriters (NALU), NAIFA is one of the nation’s largest associations representing the interests of insurance professionals from every Congressional district in the United States. NAIFA members assist consumers by focusing their practices on one or more of the following: life insurance and annuities, health insurance and employee benefits, multiline, and financial advising and investments. NAIFA’s mission is to advocate for a positive legislative and regulatory environment, enhance business and professional skills, and promote the ethical conduct of its members.

Information Source: NAIFA Website

NAIFA Code of Ethics

Helping my clients protect their assets and establish financial security, independence and economic freedom for themselves and those they care about is a noble endeavor and deserves my promise to support high standards of integrity, trust and professionalism throughout my career as an insurance and financial professional. With these principles as a foundation, I freely accept the following obligations:

To help maintain my clients’ confidence and protect their right to privacy.
To work diligently to satisfy the needs of my clients.
To present, accurately and honestly, all facts essential to my clients’ financial decisions.
To render timely and proper service to my client and ultimately their beneficiaries.
To continually enhance professionalism by developing my skills and increasing my knowledge through education.

To obey the letter and spirit of all laws and regulations which govern my profession.
To conduct all business dealings in a manner which would reflect favorably on NAIFA and my profession.
To cooperate with others whose service best promote the interests of my clients.
To protect the financial interests of my clients, their financial products and my profession, through political advocacy.

DESIGNATION & AFFILIATIONS

Chartered Life Underwriter (CLU®)

Chartered Financial Consultant (ChFC®)

AEP®