What factor does not influence mortality expectations in insurance pricing?

In insurance pricing, factors like age of the insured, health status, and type of insurance product have a significant influence on mortality expectations. Age is critical because actuarial tables show that older individuals generally have a higher risk of mortality, leading to higher premiums. Health status is equally important, as individuals with pre-existing conditions or poorer overall health are statistically more likely to have shorter lifespans, which affects pricing. The type of insurance product also plays a role, as different products may cover different risks or have varying payout structures that can alter the overall risk profile of the insured individuals.

The number of policies issued does not directly impact mortality expectations. While the overall size of an insurer's book of business can influence pricing through economies of scale and risk pooling, the mortality expectation for individual policies is determined by the characteristics of those policies and the insured individuals themselves, rather than the sheer volume of policies issued. Therefore, this factor does not influence mortality expectations in the same way as the other options do.