NAIFA Life and Annuity Certified Professionals (LACP) are agents with knowledge and experience beyond the requirements for industry licensure. Certification exemplifies excellence in the following areas: Product Knowledge Consultative Sales Process Ethical, Legal and Regulatory Requirements Product Knowledge Professionals who wish to become a LACP must possess a depth of knowledge in order to deliver thorough and competent advice to clients seeking financial services and solutions in life insurance and annuities. Learn more Consultative Sales Process LACP holders are agents and advisors who have developed an effective consultative selling approach by applying the skills, techniques and best practices to the sales process. They establish trust and rapport with clients using appropriate communications strategies while employing a fact-finding process to understand a client’s situation, including goals, needs, tolerance for risk, and perceptions about their circumstances. They present solutions and Initiate execution of the plan as agreed upon by clients using appropriate resources, applications, and follow up to ensure the solution is implemented. Learn more Ethical, Legal and Regulatory Requirements LACP holders agree to adhere to a high standard of ethics in accordance with prevailing standards to protect client interests. They monitor industry legislative and regulatory changes to ensure compliance, and they observe good business practices in accordance with the law and professional expectations to safeguard client interests. Learn more