Chartered Life Underwriter Practice Exam 2025 - Free CLU Practice Questions and Study Guide

Regular exercise is viewed as a positive factor in underwriting because it is associated with overall health and lower risks of chronic diseases. Insurers often assess an applicant's lifestyle and habits when determining their risk profile for life insurance. Engaging in regular physical activity is linked to improved cardiovascular health, better weight management, and enhanced mental well-being, all of which contribute to a longer lifespan and reduced likelihood of health-related claims.

In contrast, the other options tend to indicate higher risk. Past hospitalization may suggest a history of health issues that could lead to future claims. Smoking tobacco is a well-known risk factor for numerous health problems, particularly respiratory and cardiovascular diseases, making it a negative indicator for underwriters. Similarly, a family history of heart disease raises concerns about hereditary health risks, which can impact an individual's personal health outlook.