This investigation examined the associations between exercise habits, measures of physical fitness, and 10-year cardiovascular disease risk (CVD10, expressed as %) among 470 law enforcement officers of differing ages (range = 21 to 63 y). Only 32% of this group exercised regularly (greater-than-or-equal-to 3 days/week, greater-than-or-equal-to 20 min/session, greater-than-or-equal-to preceding 4 weeks). Only exercising subjects > 48 years old exhibited a significantly (P < 0.1) lower 10-year risk of a CVD event than their inactive peers (12.2 +/- 5.6 vs 16.3 +/- 6.9%, mean +/- SD). At all ages, the peak oxygen consumption per unit time was higher (50.1 +/- 6.7 vs 44.8 +/- 6.1 mL.kg-1.min-1) in the exercising than in the nonexercising group. Exercising subjects less-than-or-equal-to 36 years old were significantly (P < .05) leaner than nonexercisers (16.3 +/- 5.5 vs 19.6 +/- 5.5% body fat, respectively) and had greater muscular endurance (45 +/- 9 vs 40 +/- 9 60-s sit-ups, respectively). These data suggest that exercise reduces CVD risk by modifying major CVD risk factors only in law enforcement officers > 48 years old.