Which factor would typically NOT be considered when determining overall life insurance needs?

When determining overall life insurance needs, future employment prospects typically do not play a direct role. The primary purpose of life insurance is to provide financial security for dependents in the event of the insured's death. The immediate factors that are more relevant include current income level, which reflects the immediate ability to support dependents, as well as dependents' ages, which help assess the duration and extent of coverage necessary based on their financial needs over time.

Personal health history is also an important consideration since it can impact life expectancy and, subsequently, the amount of coverage required. While future employment prospects may influence long-term financial planning, they do not provide a concrete baseline for current life insurance needs in the same way that income, dependents, and health history do. Therefore, when professionals assess life insurance requirements, they focus on more immediate and quantifiable factors that directly impact the insured's current financial responsibilities and obligations.