Which of the following circumstances may cause policy premiums to be higher than standard premiums?

A misquote by an agent might lead to a discrepancy in the expected premium, but it does not inherently affect the actual risk profile of the insured. If a misquote occurs, the insurer typically corrects the premium based on accurate assessments rather than the applicant's health status. Therefore, this does not justify higher premiums based on health-related factors.

While an unhealthy appearance may raise concerns, insurance companies rely on specific medical evaluations and records to determine risk, rather than subjective assessments. An appearance alone is insufficient to justify a higher premium unless it correlates with documented health issues that affect insurability.

Incomplete applications can lead to delays or potential denial of coverage, but they do not directly result in higher premiums. Instead, insurers may require additional information to assess risk accurately. The completion of the application is essential for evaluation but does not inherently alter the premium based on health criteria.