Of all of these designations I think CLU is one of the more respected and your thinking is correct, take these classes to genuinely learn something. If that is the case, CLU and CEBS are good but most are junk and money makers for those that offer.
However, most people take these classes just to get the designation. Insurance salespeople, having one of these designations means nothing and you have wasted your time and money. It won't affect the sale. "Dave, I was going to buy from your competitor but I see you have a LOMA designation with a CFP, so I will buy from you. Also, LOMA people don't lie about their product."
HR managers, these designations may be worth getting because there are not too many other ways to prove to your bosses you are doing good work, and these titles seem impressive, and tuition and books are paid by the company.
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