Which factor is not considered when determining insurance premiums?

When determining insurance premiums, many factors are taken into account to assess risk and the probability of future claims. Among these factors, family history of disease is generally not directly considered when calculating premiums. Insurers primarily look at individual risk factors that can be evaluated on a personal basis, such as age, gender, and smoking status.

Age is a significant factor because it often correlates with the likelihood of health issues and claims. Similarly, gender can influence health risks due to varying life expectancies and risks associated with certain conditions. Smoking status plays a critical role since smokers typically face higher health risks, leading to more claims and thereby higher premiums.

Family history of disease, while it can indicate potential health risks, is not something that is consistently used across insurance companies for premium calculations. Instead, insurers focus on the individual's current health and lifestyle choices, making it less relevant for premium determination than the other listed factors.