Which factor is NOT considered when determining rates for life insurance?

When determining rates for life insurance, various factors are taken into account to assess the risk associated with insuring an individual. The age of the insured is crucial because it reflects the likelihood of the insurer having to pay a death benefit; typically, younger individuals are seen as lower risk. Medical history is also significant, as it helps predict potential health issues that could affect life expectancy. Similarly, an individual's occupation is considered, since certain jobs carry higher risks of injury or death, impacting the insurance premium.

Geographic location, while it can influence health risks (such as exposure to environmental factors), is generally not a primary factor in determining rates compared to age, medical history, and occupation. This is because life insurance rates are more directly related to personal characteristics rather than the geographical area itself, making this factor less influential in the underwriting process. Therefore, the correct choice is that geographic location is a factor not primarily used in determining life insurance rates.