Which of the following factors does NOT affect life insurance premiums?

Life insurance premiums are influenced by various factors that assess the risk associated with insuring an individual. The policyholder's age, health history, and lifestyle choices are critical aspects that insurance companies evaluate when determining premium rates.

Age is significant because as people get older, the risk of mortality increases, leading to higher premiums. Health history also plays a crucial role since any pre-existing conditions or past health issues may indicate a higher likelihood of claims, resulting in increased premium costs. Lifestyle choices, such as smoking, drinking, and engaging in hazardous activities, further affect premiums because they can increase the risk of illness or accidents.

In contrast, while employment status may reflect on an individual's financial stability or ability to pay for insurance, it does not directly factor into the underwriting process regarding mortality risk. Therefore, it is not a primary determinant of life insurance premiums. This differentiation underscores why employment status is not a factor that typically affects the calculations of life insurance premiums.