Which of the following is a financial issue associated with marriage?

A financial issue associated with marriage is the sharing of tax returns. When couples marry, they have the option to file their taxes jointly or separately. Filing jointly often allows for various tax benefits, such as a higher standard deduction and potentially lower tax rates. However, this decision can also lead to complications, especially if one spouse has significant debt or legal issues, as both parties can be held accountable for the joint tax return. This scenario highlights how marriage can complicate individual financial situations and tax liability.

The other choices refer to different aspects of managing finances or household responsibilities, but they do not directly reflect financial issues that arise specifically from the institution of marriage in terms of tax implications. For example, increased insurance premiums relates to the costs of combined insurance policies rather than the financial consequences of tax filing. Division of labor in a household is more about household management and does not fall under financial issues per se. Maintaining individual bank accounts can be a personal or financial choice, but it does not encompass the broader implications of shared financial responsibility that comes with marriage, particularly relevant when it comes to tax returns.