Which of the following factors does NOT influence a person's need for life insurance?

The need for life insurance is primarily affected by factors that assess financial obligations and responsibilities. The lifestyle of the applicant, the number of dependents, and future educational costs of the dependents are all significant factors because they directly relate to financial responsibilities that would be left to family members when the insured person passes away.

In contrast, self-maintenance expenses refer to the costs that an individual incurs while maintaining their own lifestyle, such as personal living expenses. These expenses do not have a direct impact on the financial obligations that would need to be covered by life insurance after the individual's death. Life insurance is fundamentally intended to provide for others' needs, rather than the deceased's own expenses. Thus, while self-maintenance expenses are important for an individual's financial planning, they do not influence the calculation of life insurance needs in the same way the other factors do.