Membership in NAFIC is open to anyone who has achieved the FIC designation and has worked with a Fraternal Benefit Society for at least 6 months as stated below.  Membership dues are $95 per year.  Membership runs calendar year through December 31st.

An Associate Membership is open to anyone who is affiliated with (employed by or contracted with) a Fraternal Benefits Society.  This is a non-voting membership but allows most of the benefits of the regular FIC/FICF membership.  Associate Member dues are $125 per year.  Membership runs through December 31st.

The FIC Designation

The Fraternal Insurance Counselor (FIC) and Fraternal Insurance Counselor Fellow (FICF) designations are conferred by the Fraternal Field Managers' Association on candidates who successfully complete prescribed course work and meet required qualifications. 

Course work for FIC and FICF designations consists of three sections for each designation. The FIC program consists of Section 1 - Basic Parts A & B, Section 2 - Intermediate, and Section 3 - Advanced course. The FICF program consists of Graduate I, Graduate II, and Graduate III courses.

FIC candidates must pass the Basic, Intermediate, and Advanced final examinations. They must also have been working for at least six (6) consecutive months with a fraternal benefit society which is a member of the American Fraternal Alliance and the Fraternal Field Managers' Association, or the Canadian Fraternal Congress.

FICF candidates must have already received an FIC designation and have worked for a fraternal benefit society for at least one (1) year. They must pass the Graduate I, II and III final examinations. They must also represent a fraternal benefit society which is a member of the American Fraternal Alliance and the Fraternal Field Managers' Association, or the Canadian Fraternal Congress.  

FIC Program
Basic Course, Part A: (Introduction to Life Insurance)Beginning with a discussion of the history, development, and scope of fraternalism, this course explains the fundamentals of life insurance and successful selling.

Basic Course, Part B: (Ethics for the Insurance Professional)This excellent ethics guide for insurance agents is a balanced presentation of an insurance agents's principled relationships with his culture.

Intermediate Course: (Needs Analysis) This course presents the basics of needs-based consultative selling.  Producers learn to compare a client's financial objectives to their existing resources.  This approach makes the needs for additional insurance crystal clear to the client.

Advanced Course: (Introduction to Advanced Markets) This course outlines the concepts producers must understand to move into advanced markets.  It explains how to prospect for and get the attention of business owners.  It discusses succession planning, group insurance, executive bonus plans, split dollar, qualified retirement plans, and more.

FICF Program
Graduate I: (Estate Planning):
This is an advanced markets course for fraternal field agents seeking the knowledge required to both successfully sell life insurance for estate protection purposes and work with other members of the estate planning team. The course covers the use of estate liquidity in connection with trusts – both as a funding medium for business agreements and as an effective combination with the estate tax marital deduction.

Graduate II: (Business Insurance Concepts):
The life and health insurance needs of partnerships, close corporations, sole proprietorships and corporations are discussed in this course. Also included is information on recognizing the need for business continuation and employee incentive plans.

Graduate III: (Introduction To Financial Products):
Intended to expand your knowledge of financial planning, this course offers an extensive overview of the many investment options available today and their roles in the changing economic picture.


Candidates for either designation must complete all course work and pass the three exams within three years of initial enrollment in their study program. No credit will be given for exams passed outside of the three-year time period. Separate three-year time periods apply to the FIC and FICF study, and each course is available online for one year.

Member societies shall conduct these courses by classroom study, group study, correspondence, or other method by which the student completes every chapter in each text. 

If a course is taken on a correspondence basis through Kaplan Financial Education, course may be eligible for state continuing education credit, if approved. (The majority of states have approved the FIC and FICF courses for this purpose.) A separate, state continuing education correspondence certificate fee is payable by the candidate or society to Kaplan, as a provider of state continuing education credit.  NOTE: Print exams are no longer eligible for state CE credit.  In order to earn state CE credit, candidates must choose and complete the online certification exam.

The final exams for these correspondence courses consist of multiple choice questions. Grades are reported as a percentage of correct answers. Students who answer 70% or more of the questions correctly pass the test. Those not passing a test are to re-study the course material. They may re-test after thirty days and payment of required fees.

Exams are to be conducted under the auspices of a designated proctor who is a disinterested third party (someone who is not the student's supervisor, subordinate, or a family member).

The candidate shall have a private place free from distractions in which to write the exam.  Exams are designed to be fair and adequate tests of a candidate's knowledge of FIC and FICF course materials.

  • Two hours are allowed for taking each FIC and FICF exam. Each test must be taken in one, continuous session.
  • The candidate must not see the test questions prior to sitting for the exam.
  • The candidate must not have at hand, or refer to, the study courses or any sources of reference.

After an examination is completed, the proctor shall forward the exam paperwork and any other required forms to Kaplan Financial Education, certifying that the rules have been observed. Failure to observe the above rules will result in penalties for both the candidate and proctor.

The cost of each examination is to be borne by the candidate or the candidate's society.

Candidates who successfully complete their exams and who meet the qualification requirements will receive their FIC and FICF designations. Diplomas are printed directly through the Fraternal Portal's Admin.  Lapel pins are provided after completion of the FIC/FICF designation from the Authorized Portal Admin.

For questions, contact Kaplan Financial Education at (877) 725-7553 Ext. 2440.