Which factor is typically NOT considered in life insurance premium calculations?

When determining life insurance premiums, several factors are taken into account to assess the risk associated with insuring an individual. Health status is a crucial factor since an individual's medical history and current health conditions can significantly influence their likelihood of claiming on the policy. Lifestyle choices, such as smoking or engaging in hazardous activities, are also vital as they can increase the risk profile of the insured. Additionally, occupation plays a role, as certain jobs may come with higher risks that insurers take into account when setting premiums.

The credit score, however, is not typically used in calculating life insurance premiums. While it may influence terms and costs in some types of insurance, such as auto or homeowners insurance, life insurance primarily focuses on more direct risk factors related to health and lifestyle rather than financial behavior or creditworthiness. Thus, it is not a standard factor in the premium calculation process for life insurance.