Which factor is NOT considered for classifying employees in group life insurance?

In the context of group life insurance, the classification of employees is typically based on factors that relate to the risk profile of an individual within the group. Job title, smoking status, and years of service are all relevant considerations as they can directly impact an individual's health risk and therefore the cost of insurance.

Job title is relevant because it may correlate with the level of risk associated with the employee's occupation. For example, a construction worker may present a higher risk than an office worker due to the nature of their job.

Smoking status is a significant factor as it has direct implications for health and mortality rates. Smokers generally have higher rates of health issues, which would influence the insurance premiums for a group as it raises overall risk.

Years of service is also taken into account since longer-term employees may have more stability and potentially lower risk compared to newer employees, who may not have been assessed over a longer period.

Gender, however, is not typically a factor in the classification of employees for group life insurance policies, especially with the increasing focus on non-discriminatory practices in insurance underwriting. The idea behind this is to create a fair system that does not differentiate risks based on gender, as such practices could lead to discriminatory rates. Thus, it is the