Which factor is generally NOT considered when calculating insurance premiums?

When determining insurance premiums, various factors are typically assessed to evaluate the risk associated with insuring an individual. Claim history is crucial as past claims can indicate the likelihood of future claims. Similarly, an applicant's credit score often correlates with the potential risk, as individuals with higher credit scores may be deemed more responsible and less likely to file claims. Age and gender are also important factors, particularly in certain types of insurance, as they can influence statistical risk associated with different demographics.

Marital status, while sometimes considered for specific products (like auto insurance, where married individuals may receive discounts), is not universally assessed across all types of insurance and is generally overshadowed by the other factors. Therefore, marital status is not consistently a determining factor in calculating premiums, making it the correct choice in this context.