Chartered Life Underwriter Practice Exam 2026 - Free CLU Practice Questions and Study Guide

Life insurance policies typically exclude coverage for scenarios that involve high-risk behaviors or activities that significantly increase the likelihood of death or serious injury. Racing cars, which is associated with high speeds and potential for accidents, falls under this category as it is categorized as a dangerous hobby. Insurers often assess the risk factor of various activities when underwriting policies and may impose exclusions for high-risk hobbies such as car racing.

In contrast, jogging, volunteering, and participating in organized sports generally do not carry the same level of risk. Jogging is considered a standard exercise routine that most people engage in without serious risks. Similarly, volunteering typically does not involve high-risk activities, and organized sports, while potentially risky, are often accepted as common and manageable recreational activities unless they involve extreme or dangerous sports. Therefore, the most logical answer reflecting typical exclusions in life insurance policies is the individual who engages in a high-risk activity such as racing cars.