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Earl Luttner entered the insurance industry in 1967, incorporating Luttner Financial Group, Ltd. (LFG) in 1969. In 1974, LFG became a general agency with General American Life Insurance Company and grew to become the number one agency nationally.

In 1991, LFG became a Guardian general agency. Earl was among a few general agents chosen to mentor select other general agents because of his knowledge and wisdom.

Known for his vision, Earl championed the integration of LEAP, Advocacy, and most recently the Living Balance Sheet into the agency culture significantly improving the client experience.

LFG qualified for GAMA International’s Master Agency/ Firm Award ten times.

Earl joined the Guardian with twelve Financial Representatives in 1991 and currently has more than 200 representatives.

He has served as Chairman of the Field Advisory Board for 4 terms.

His leadership extends into the community, with his involvement in the United Way of Allegheny County and the Make-A-Wish Foundation of Pennsylvania. He serves as Chairman of the Board of Directors of the International Assistance Group, a nonprofit organization dedicated to assisting American families who wish to adopt children from Russia and Eastern Europe.