Which of these is NOT considered a risk factor in life insurance underwriting?

In life insurance underwriting, various factors are considered to assess the level of risk associated with insuring an individual. Among these, health history, hobbies, and occupation are all crucial factors due to their direct impact on the applicant's life expectancy and potential for claims.

The number of children, while it can provide some context regarding an applicant’s lifestyle and responsibilities, is not a direct risk factor influencing the underwriting decision in the same way that health-related factors do. While having children may indicate financial responsibilities and could indirectly influence premium considerations or coverage amounts, it does not affect the underwriting risk associated with the applicant's health or likely longevity.

In contrast, health history is vital for assessing pre-existing conditions or chronic illnesses, hobbies might reveal high-risk activities that could lead to increased mortality, and occupation can affect exposure to hazardous conditions. Thus, the number of children stands apart as less significant in the context of determining insurability and risk levels.