Which factor is NOT considered when assessing an insurer's ability to operate safely?

The volume of business conducted, the criminal history of executives, and the financial reserves for policyholders are all critical factors when assessing an insurer's ability to operate safely.

The volume of business conducted indicates the insurer's market presence and its capability to manage risks efficiently. A high volume may suggest a level of operational competence, provided it aligns with sound underwriting practices.

The criminal history of executives is important as it reflects on the ethical standards and integrity of the management team. An insurer with executives who have a problematic legal background may pose heightened risk, raising concerns about governance and decision-making processes.

Financial reserves for policyholders are vital because they ensure that the insurer can meet claims obligations. Adequate reserves signify fiscal responsibility and the ability to withstand potential losses, which is essential for the long-term viability of any insurer.

In contrast, the number of agents employed does not directly impact the financial stability or operational safety of an insurer. While having a larger workforce of agents can enhance market reach and customer service, it does not necessarily correlate with the insurer's ability to handle risks or fulfill its financial commitments. Therefore, this factor is not typically assessed when evaluating an insurer's overall safety and operational viability.