I checked the
Struts documentation and found the following information on the value attribute for <html:checkbox>:
"The value to be transmitted if this checkbox is checked when the form is submitted. If not specified, the value 'on' will be returned."
What this means is that by writing a value attribute you are only specifying the value to be returned when the form is submitted, not the value when it is displayed.
A struts checkbox will be checked or unchecked based on the value of the property when the page is built. This means that you have to set the value in the Form bean before displaying the page.
If you want to set the value when the page is displayed, do so in the Action class that is called before this form is displayed with a statement such as
myForm.setMarried(true);
This assumes that the married attribute is a boolean.