Which factor is generally NOT considered when evaluating a prospective insured's disability income needs?

The gender of the insured is generally not considered when evaluating a prospective insured's disability income needs because disability insurance is primarily focused on financial readiness in the event of a loss of income due to disability. Key factors such as the insured's income level, existing financial obligations, and employment status provide vital insights into the individual's financial situation and the amount of coverage they may require.

Income level is crucial as it directly impacts the calculations of how much disability income would be necessary to maintain a person's lifestyle after becoming disabled. Existing financial obligations, such as mortgages, loans, and other debts, help determine the financial risks that need to be covered. Employment status is also critical, as it reflects the individual's current earnings potential and can influence the kind of policy that would be most beneficial. Gender, however, does not typically play a role in assessing need for disability coverage; the focus remains on financial security and capability.