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Commitment to Education & Professionalism

Greg Osby, CLU, ChFC, LUTCF and Osby Insurance LLC is committed to Continuing Education, Professional Associations and Community Service. By belonging to such associations we feel we can stay up to date and effective in serving your needs.

American College (CLU) -
A CLU (Chartered Life Underwriter) is a professional who guides clients in all areas of business and family financial security encompassed by life insurance. Much like individuals in other highly technical professions such as law and accounting, a CLU is a recognized specialist. In the U.S., the American College is the accredited institution which awards this designation, as well as the ChFC.

To become a CLU, an individual must successfully complete a comprehensive course of study and demonstrate competence by passing a series of ten college-level examinations in several subject areas including: life insurance, pensions, taxation, finance, economics and business, and estate planning. Rigid ethical and experience requirements also must be met. As a result, it usually takes candidates five years to become a CLU.

American College (ChFC) - A ChFC® has completed the most extensive educational program required for any financial services credential. Each ChFC® has taken at least eight college-level courses on all aspects of financial services. The average study time for the program is over 400 hours, and advisors frequently spend years earning this coveted distinction. Each ChFC® must also complete a minimum of 30 hours of continuing education every two years and must meet extensive experience requirements to ensure that you get the professional service you need

Life Underwriters Training Council Fellow (LUTCF)
The LUTCF designation is jointly conferred by NAIFA and The American College. All 8- and 12-week LUTC courses earn 60 LUTCF designation credits upon successful completion. A total of 300 designation credits is needed to qualify for the LUTCF designation. The completion of an ethics course is also a requirement of all LUTCF designees. The designation represents accomplishment and professionalism, helping agents establish strong and lasting client relationships.

Member of NAIFA
NAIFA is a national nonprofit organization representing the interests of more than 70,000 insurance nationwide, through its federation of over 900 state and local associations. Founded in 1890, NAIFA is the nation's largest insurance services membership association, playing a vital role in encouraging legislation and regulation at the federal and state levels to protect consumers and maintain a healthy and well-regulated marketplace. NAIFA also provides its members with education, networking opportunities and training resources to help them grow their practices.

Member in the Society of Financial Service Professionals (SFSP)
Society Headquarters are located in the Huebner Hall on The American College Campus, Bryn Mawr, Pennsylvania.
For more than 70 years, the Society of Financial Service Professionals—formerly the American Society of CLU & ChFC—has been helping individuals, families, and businesses achieve financial security. With their strong commitment to delivering only those financial products and planning services that are in their clients' best interests, the Society's more than 25,000 members nationwide are uniquely qualified to assist the public in reaching their future financial goals—today, tomorrow, and into the next millennium.

Society members have earned recognized professional credentials in the financial services industry. If you are looking for a professional adviser who has experience, knowledge, and a strong commitment to ethical business practices, look for a member of the Society of Financial Service Professionals.

The Life and Health Insurance Foundation for Education (LIFE)
LIFE is a non-profit organization designed to address the public's growing need for information and education on life, health, and disability insurance. LIFE also seeks to remind people of the important role agents perform in helping families, businesses, and individuals find the insurance products that best fit their needs. LIFE was formed in 1994. Since then, LIFE has developed a diverse educational program which educates consumers and empowers them with the knowledge needed to make informed insurance decisions. To learn more about LIFE's programs go to www.Life-Line.org

Local Chamber of Commerce Member
The Chamber of Commerce is a private, nonprofit corporation made up of concerned business and professional people who volunteer their time and resources to make our communities a better place to live, work and do business. The mission of the Chamber is to strengthen the long-term economic vitality of its members and to enhance the quality of life in our community. Members benefit from exposure, networking and becoming a part of a unified voice on business issues. The Chamber provides programs that help area businesses grow, expand and locate in our Community.

West Des Moines Elks Lodge #2752 Member & PER
The Benevolent and Protective Order of Elks of the United States of America is one of the oldest and largest fraternal organizations in the country. Since its inception in 1868, the Order of Elks has grown to include nearly 1.2 million men and women in almost 2,200 communities.

The Elks and Youth: Of everything that the Elks do, perhaps nothing is more important than their work with the country's youth. The efforts of the Elks on behalf of the young--in Scouting and scholarships, sponsoring athletic and artistic endeavors, youth camps, and drug awareness programs--sow the seeds of accomplishment and commitment that benefit the nation.
Remembering Our Nation's Veterans: Since 1917, the Benevolent and Protective Order of Elks has demonstrated its compassion for the veterans of our armed forces through a number of programs and activities. The Elks realize that in every state, city, town, and village in our nation there is a hospital, nursing home, or VA medical center that houses a living veteran deserving utmost respect. And that is why the Order made a pledge in 1946 that "So long as there are veterans in our hospitals, the Benevolent and Protective Order of Elks will never forget them."
The Elks and Patriotism: Since the earliest days of the Order, patriotism has been among the many hallmarks that make the Benevolent and Protective Order of Elks stand out from other fraternal organizations. With a membership comprised entirely of U.S. citizens, the BPO Elks is committed to promoting the principles of individual freedom, opportunity, and dignity. Elks have always been moved by the flag of the United States of America, which is why, in 1907, Elks members adopted a resolution designating June 14 as Flag Day. In 1911 the Grand Lodge mandated that all local Lodges observe Flag Day with appropriate ceremonies, making the Elks the first national fraternal organization to require the observance of Flag Day. Finally, on August 3, 1949, President Harry S. Truman, himself a member of the Order, permanently designated June 14 as Flag Day by signing an act of Congress.



American National Insurance Company

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, TX. Personal and commercial lines insurance is issued by American National Property And Casualty Company, Springfield, MO, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (Texas), and ANPAC Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois or Principal Life Insurance Company, Des Moines, IA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.


Osby Insurance operates exclusively in the State of Iowa


Copyright © 2014 Osby Insurance and Some Assembly Required.
All rights reserved.

Greg Osby

Greg Osby, CLU, ChFC
2400 86th St. Suite 29
Des Moines, IA 50322
(515) 727-5433 - ph
(515) 727-5199 - fax

Serving the Greater Des Moines area in Iowa including:

Des Moines, Urbandale, Clive, Windsor Heights, West Des Moines, Ankeny, Norwalk, Waukee, Granger & Johnston, Iowa

With ANPAC Five Star Claim ServiceSM you can be sure that your premium dollars will buy the protection you need and the prompt, courteous service that you deserve.

Choose American National for your auto, home, and life insurance needs, and receive up to a 15% TLC Discount on qualifying auto and home premiums.