Conference for Advanced Life Underwriting (CALU) was formed to provide services to members of the Canadian Association of Insurance and Financial Advisors (CAIFA) who specialize in the area of advanced life underwriting. Its members provide personal financial, business succession, estate planning and employee benefits services to their clients. Through annual meetings and seminars, it provides Active and Associate members with a forum in which to discuss and exchange information to improve the quality of products and services provided for clients.