What factor does NOT affect the reliance of life insurance business?

The reliability and success of a life insurance business are influenced by various factors, including commission structures, the attitudes of agents, and the techniques used in selling policies. Among these, the policyholder's age is often considered a separate variable that does not directly impact the operational reliability of the business itself.

First-year commission levels, agent's service-oriented attitudes, and effective needs selling are all critical elements that can significantly affect the performance and trustworthiness of an insurance business. High first-year commissions can incentivize agents to sell more policies, thus affecting the overall productivity of the business. Similarly, an agent’s service-oriented attitude can enhance customer satisfaction and retention, which are vital for the long-term stability of the company. Effective needs selling ensures that policyholders are provided with products that genuinely meet their requirements, thereby fostering a sense of trust between the insurer and the insured.

In contrast, the policyholder's age, while it may influence underwriting and risk assessment, does not fundamentally alter the operational reliability or the business model of the life insurance company. Instead, it is a factor more related to the individual assessment of risk rather than a determinant of how the insurance business operates and succeeds. Therefore, it is appropriate to conclude that the reliance of the life insurance business is not