The role of a Certified Chief Life & Health Insurance Officer (CCLHIO) is integral to leading the development, management, and strategic oversight of life and health insurance products and services. The CCLHIO is responsible for driving innovation in product design, overseeing underwriting and claims strategies, managing regulatory compliance, and aligning offerings with evolving customer health and financial needs. This executive role ensures that life and health portfolios are competitively positioned, actuarially sound, and aligned with national healthcare frameworks. The Certified Chief Life & Health Insurance Officer (CCLHIO) certification is a globally respected credential that affirms a leader’s expertise in managing end-to-end operations across the life, health, and wellness insurance spectrum.

The CCLHIO certification, awarded by the American Institute of Insurance Management (AIIM), sets the highest benchmark in life and health insurance leadership. This credential validates a candidate’s ability to develop risk-based products, guide actuarial and underwriting teams, engage with health systems and reinsurers, and uphold the regulatory and ethical standards that govern these sensitive lines of business. Certified professionals are recognized as custodians of long-term security and policyholder well-being.

Certification Program Objectives:

• Lead strategic planning, product design, and portfolio optimization in life and health insurance
• Oversee underwriting, claims management, medical review, and policy administration processes
• Ensure compliance with life and health insurance regulations, solvency standards, and disclosure obligations
• Integrate digital health innovations, wellness platforms, and telemedicine into insurance offerings
• Advise executive leadership on demographic trends, mortality/morbidity analysis, healthcare inflation, and sustainable pricing models

Certification Eligibility Criteria:

To be considered for this certification, applicants must meet the following requirements:

• Possess a Master’s degree from a recognized institution.
• Have a minimum of 10 years of professional experience at a senior management level.

Note: Exceptional candidates holding a Bachelor’s degree with at least 15 years of senior management experience may also be considered on a case-by-case basis.

Certifying Assessment / Examination:

To earn the Certified Chief Life & Health Insurance Officer (CCLHIO) certification, candidates must undergo a comprehensive and rigorous evaluation designed to assess their ability to lead product strategy, risk governance, and innovation across life and health insurance segments.

As part of this assessment, candidates may be required to deliver a 30-minute executive presentation incorporating product innovation, underwriting frameworks, actuarial assumptions, claims trends, and regulatory compliance. This will be followed by a panel discussion and Q&A session to evaluate their ability to manage complexity, customer needs, and cross-functional integration in life and health operations.

For candidates pursuing a C-Level Professional Certification, this assessment may be substituted with a comprehensive examination consisting of 80 multiple-choice questions to be completed within a 3-hour timeframe. This examination rigorously evaluates the candidate’s knowledge in life and health insurance policy mechanics, risk classification, regulatory policy, health data analysis, and long-term coverage models.

The assessment methodology ensures that the American Institute of Insurance Management (AIIM) upholds the highest standards of professional certification, recognizing individuals who lead with empathy, expertise, and excellence.

Certification Modules:

• Module 1: Life and Health Insurance Market Strategy, Product Innovation, and Coverage Design
• Module 2: Underwriting Models, Risk Selection, Medical Review, and Claims Trends
• Module 3: Policyholder Lifecycle Management, Customer Needs Mapping, and Benefit Structuring
• Module 4: Regulatory Compliance, Solvency Monitoring, and Health Systems Integration
• Module 5: Executive Leadership in Life and Health Insurance Governance, Analytics, and Sustainable Pricing

* The modules of the certification are constantly updated and are subject to change.

Who Should Do This Certification:

The Certified Chief Life & Health Insurance Officer (CCLHIO) certification is ideal for professionals leading operations, strategy, or transformation initiatives in life and health insurance organizations.

• Chief underwriters, product development heads, and life and health operations executives will benefit from structured strategic frameworks and leadership credentials
• Aspiring executives preparing to lead in areas such as mortality modeling, health product management, or group policy administration will gain critical tools for success
• Life and health insurers, reinsurers, and TPAs looking to strengthen product profitability, customer engagement, and digital wellness alignment will benefit from innovation-focused leadership models
• Regulatory professionals and healthcare integration specialists overseeing compliance and benefit design in insurance will gain cross-disciplinary perspectives
• Consultants, actuaries, and policy designers working in the life and health insurance ecosystem will expand their advisory value and gain advanced strategic insight

Earning the CCLHIO certification signifies your expertise in managing the risks and responsibilities of life and health insurance with care, competence, and strategic foresight. Whether you are guiding pricing models, designing inclusive benefits, or preparing for demographic shifts, this certification empowers you to lead with purpose, precision, and policyholder protection.