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

The selection of age, health, lifestyle, and family medical history as factors for underwriters when assessing risk is grounded in the comprehensive evaluation of a person's overall health and potential longevity.

Age is a critical factor because it correlates with the likelihood of health-related issues and life expectancy. As individuals age, the probability of health complications typically increases, which is essential for life insurance considerations. Health status is directly linked to the risk of insuring an individual; pre-existing conditions or current health trends significantly inform underwriting decisions.

Lifestyle choices, such as smoking, alcohol consumption, exercise, and diet, also play a vital role in assessing risk. Underwriters analyze these habits to gauge their potential impact on an individual's health over time.

Family medical history contributes to the assessment by providing insight into hereditary conditions that could affect the applicant's future health outcomes. If there is a strong history of certain diseases within a family, it may increase the perceived risk from the underwriter's perspective.

Together, these factors provide a holistic view of the applicant's health status and likely longevity, making them absolutely pertinent in the underwriting process.

While other factors, such as financial history, location, and occupation, play a role in risk assessment, they do not directly relate