CLU Study Guide 2026
Everything you need to pass the CLU exam in one place: the exam format, every topic to study, real practice questions with explanations, flashcards, and full-length practice tests. Free, no sign-up needed.
📋 CLU Exam Format at a Glance
📚 CLU Topics to Study (23)
✍️ Sample CLU Questions & Answers
1. Which of the following types of price-setting is the least common?
The following nations now conduct auctions: France, Israel, Taiwan, and the United States.
2. Which type of group life insurance provides coverage that remains level throughout the insured's working life and does not increase with salary?
A flat benefit plan provides the same fixed dollar amount of life insurance to all eligible employees regardless of salary or position.
3. Will someone with an incurable illness not be eligible for work benefits?
The ADA prohibits all forms of discrimination against individuals with disabilities in general.
4. What would happen to John's beneficiaries if he passes away before paying the last payment to complete the insurance coverage?
The insurance won't cover anything under the contract, even with a minor delay in their payments. Prior to coverage, all contractually mandated payments must be made.
5. Which of the following is completely covered by the insurance provided by the dental plan?
Treatments including aesthetic requirements, tooth replacement, and plaque management are sometimes not reimbursed by insurance or are otherwise excluded.
6. What is the 'evidence of insurability' requirement most commonly waived in group life insurance during?
Evidence of insurability is most commonly waived during the initial eligibility period — typically the first 30 to 31 days after becoming eligible — encouraging enrollment without medical underwriting.