Which of these factors does NOT influence an individual's need for life insurance?

The need for life insurance is primarily influenced by factors that pertain to the financial responsibilities and dependents of an individual. Each of the other options—number of dependents, outstanding debts, and annual income—reflects critical aspects that would determine how much life insurance coverage a person might need.

The number of dependents directly affects how much insurance is necessary to ensure financial stability for those who rely on the insured individual's income. If someone has more dependents, the funds required to maintain their standard of living in the event of the individual's passing will naturally increase.

Outstanding debts must also be considered because their existence means that any life insurance payout not only needs to cover living expenses for dependents but also settle any financial obligations left behind. This helps prevent dependents from facing financial loss or challenges.

Annual income is essential in determining the level of life insurance needed as it provides a measure of the financial resources available to the family. The greater the income, the more coverage may be needed to replace that income for dependents in the event of an untimely death.

In contrast, self-maintenance expenses are more about the insured's personal lifestyle costs rather than obligations to others. While these expenses are important for the individual's budgeting and financial planning, they do not