An applicant would be charged a higher premium for a life insurance policy if they were

Being married often results in lower life insurance premiums, as insurers view married individuals as lower risk due to potential financial stability and shared responsibilities. Insurance companies may consider married individuals more likely to take care of their health and manage risks responsibly.

While being deaf can present certain challenges, it does not inherently lead to higher life insurance premiums. Insurers typically assess overall health and lifestyle risks rather than disabilities alone. Many deaf individuals lead healthy lives and may not face significant health risks that would increase their premiums.

Younger applicants are generally charged lower premiums for life insurance. This is because younger individuals are statistically less likely to experience health issues or premature death compared to older individuals. Insurers often view younger applicants as lower risk, resulting in more affordable policies.