What is typically NOT a factor in determining life insurance rates?

Life insurance rates are primarily determined by the perceived risk associated with insuring an individual. Factors such as age, health history, and occupation significantly influence how insurers assess this risk.

Age is a crucial factor because it directly correlates with life expectancy—older individuals typically pay higher premiums due to a greater likelihood of claims. Similarly, an applicant's health history plays an essential role; medical conditions or a history of serious illnesses can indicate a higher risk of mortality, which results in increased rates.

The type of occupation is also critical. Certain jobs entail higher risk, such as those in hazardous environments, leading to higher premiums for individuals in those professions.

In contrast, marital status does not generally impact life insurance rates directly. While it may play a role in an applicant's overall financial profile, it does not affect the insurer's assessment of morbidity and mortality risks as much as the other listed factors do. This makes it the least relevant consideration among those listed when determining life insurance rates.