Which of the following factors is least likely to influence life insurance premiums?

The insurer’s customer service ratings are least likely to influence life insurance premiums because they are not directly related to the risk associated with insuring an individual. Premiums for life insurance are primarily calculated based on factors that can affect the likelihood of a claim being made.

Age is significant because older individuals typically face a higher risk of mortality, which can lead to higher premiums. Lifestyle choices, such as smoking or engaging in risky hobbies, also play a crucial role in determining premiums, as they can affect the insured's health and life expectancy. Similarly, a person's occupation is relevant; certain jobs may pose more risks than others, impacting mortality rates and, consequently, life insurance costs.

On the other hand, customer service ratings reflect the company's reputation and service quality but do not impact the underwriting process, which assesses risk to determine premiums. Thus, while it is important for a customer to consider the insurer's reputation, it does not influence the calculation of life insurance premiums.