Which factor is NOT considered when creating the appropriate team of underwriters?

The process of creating an appropriate team of underwriters involves several critical factors, including the number of underwriters needed, the specialty or complexity of the account, and the territory challenges that may arise in the underwriting process. The expertise and skills of the underwriters must align with the complexity of the accounts they are assessing to ensure informed decision-making.

In this context, while geographic location can have implications for underwriting practices, it is not typically a primary consideration when forming the team itself. Underwriters might not need to be located in the same geographic area as their clients to effectively analyze and assess risks. Hence, the geographic location of clients does not directly influence the selection of underwriters in the same manner as the other factors mentioned.