What factor does NOT typically influence life insurance premiums?

Life insurance premiums are primarily determined by factors that directly impact the risk of mortality associated with the insured individual. The applicant's age plays a significant role in insurance underwriting, as older individuals generally face a higher risk of health issues, thus leading to higher premiums. Similarly, the applicant's health status is crucial since pre-existing conditions or overall health can greatly affect life expectancy, directly influencing the cost of coverage.

Additionally, an applicant's hobbies and occupations are closely scrutinized because certain activities or jobs can present higher risks of injury or death; for instance, someone engaged in skydiving or an occupation considered hazardous may be charged more or face exclusions.

The type of car the applicant drives, however, is not typically a factor in determining life insurance premiums. It is more relevant to auto insurance since it can influence the likelihood of accidents. Therefore, while factors such as age, health, and occupation will affect life insurance premiums due to their connection to mortality risk, the make or model of a vehicle does not have a direct impact on life insurance pricing.