In West Virginia, what factor does NOT affect the premium for a converted life insurance policy?

The original policy's cash value does not affect the premium for a converted life insurance policy because the premium is primarily determined by factors such as the insured's health history, age at conversion, and the type of policy chosen.

When a life insurance policy is converted, the new premium is based on the current age of the insured and their health status, as these factors reflect the current risk to the insurer. The original policy's cash value does not play a role in determining the premium of the new policy because the conversion process generally allows the policyholder to switch to a new policy without being subjected to further underwriting or medical evaluations, thus insulating the cash value from influencing the premium rate. This highlights how the conversion process recognizes the value of maintaining coverage without re-evaluating prior financial aspects of the old policy.