Which of these is NOT relevant when determining the amount of personal life insurance needed?

When determining the amount of personal life insurance needed, the focus is primarily on factors that directly impact an individual's or a family's financial security and obligations following the insured's death. The relevant aspects include family income requirements, existing debt obligations, and future education expenses, as these elements play a critical role in assessing the financial needs of dependents after the insured's passing.

Family income requirements help to determine how much financial support is needed to maintain a family's lifestyle and cover ongoing expenses. Existing debt obligations such as mortgages or loans reflect liabilities that would need to be covered to avoid financial burden on surviving family members. Future education expenses are also significant, as they represent the future financial commitments that would benefit children's educational needs.

In contrast, the local unemployment rate does not directly influence the individual’s specific life insurance needs. While a high unemployment rate might suggest broader economic instability, it doesn't impact the unique financial obligations of the policyholder or their dependents. Hence, it is not a relevant factor in calculating personal life insurance needs, making it the correct answer for what is not relevant in this context.