If you use the <html:checkbox> tag, Struts automatically checks or unchecks the box based on the value of the property you specify.
So, if you write:
<html:checkbox property="insured" value="true" />
Struts will assume you have a boolean property "insured" in your ActionForm bean, and if it's true will show the box as checked, and if it's false, will show the box as unchecked. [ July 21, 2006: Message edited by: Merrill Higginson ]