id	sid	tid	token	lemma	pos
fsr-3181	1	1	financial	financial	PROPN
fsr-3181	1	2	services	service	NOUN
fsr-3181	1	3	review	review	PROPN
fsr-3181	1	4	,	,	PUNCT
fsr-3181	1	5	32(1	32(1	NUM
fsr-3181	1	6	)	)	PUNCT
fsr-3181	1	7	1	1	NUM
fsr-3181	1	8	a	a	DET
fsr-3181	1	9	dynamic	dynamic	ADJ
fsr-3181	1	10	analysis	analysis	NOUN
fsr-3181	1	11	of	of	ADP
fsr-3181	1	12	the	the	DET
fsr-3181	1	13	impact	impact	NOUN
fsr-3181	1	14	of	of	ADP
fsr-3181	1	15	household	household	NOUN
fsr-3181	1	16	portfolio	portfolio	NOUN
fsr-3181	1	17	allocation	allocation	NOUN
fsr-3181	1	18	decisions	decision	NOUN
fsr-3181	1	19	on	on	ADP
fsr-3181	1	20	the	the	DET
fsr-3181	1	21	demand	demand	NOUN
fsr-3181	1	22	for	for	ADP
fsr-3181	1	23	life	life	NOUN
fsr-3181	1	24	insurance	insurance	NOUN
fsr-3181	1	25	ning	ning	NOUN
fsr-3181	1	26	wang1	wang1	PROPN
fsr-3181	1	27	,	,	PUNCT
fsr-3181	1	28	yiling	yiling	NOUN
fsr-3181	1	29	deng2	deng2	NOUN
fsr-3181	1	30	,	,	PUNCT
fsr-3181	1	31	and	and	CCONJ
fsr-3181	1	32	ruohan	ruohan	ADJ
fsr-3181	1	33	wu3	wu3	VERB
fsr-3181	1	34	abstract	abstract	ADJ
fsr-3181	1	35	prior	prior	ADJ
fsr-3181	1	36	research	research	NOUN
fsr-3181	1	37	on	on	ADP
fsr-3181	1	38	the	the	DET
fsr-3181	1	39	demand	demand	NOUN
fsr-3181	1	40	for	for	ADP
fsr-3181	1	41	life	life	NOUN
fsr-3181	1	42	insurance	insurance	NOUN
fsr-3181	1	43	in	in	ADP
fsr-3181	1	44	household	household	NOUN
fsr-3181	1	45	portfolio	portfolio	NOUN
fsr-3181	1	46	holdings	holding	NOUN
fsr-3181	1	47	has	have	AUX
fsr-3181	1	48	not	not	PART
fsr-3181	1	49	made	make	VERB
fsr-3181	1	50	a	a	DET
fsr-3181	1	51	clear	clear	ADJ
fsr-3181	1	52	distinction	distinction	NOUN
fsr-3181	1	53	between	between	ADP
fsr-3181	1	54	portfolio	portfolio	NOUN
fsr-3181	1	55	shifts	shift	NOUN
fsr-3181	1	56	resulting	result	VERB
fsr-3181	1	57	from	from	ADP
fsr-3181	1	58	active	active	ADJ
fsr-3181	1	59	allocation	allocation	NOUN
fsr-3181	1	60	decisions	decision	NOUN
fsr-3181	1	61	and	and	CCONJ
fsr-3181	1	62	those	those	PRON
fsr-3181	1	63	resulting	result	VERB
fsr-3181	1	64	from	from	ADP
fsr-3181	1	65	passive	passive	ADJ
fsr-3181	1	66	acceptance	acceptance	NOUN
fsr-3181	1	67	.	.	PUNCT
fsr-3181	2	1	our	our	PRON
fsr-3181	2	2	study	study	NOUN
fsr-3181	2	3	examines	examine	VERB
fsr-3181	2	4	the	the	DET
fsr-3181	2	5	relationship	relationship	NOUN
fsr-3181	2	6	between	between	ADP
fsr-3181	2	7	household	household	NOUN
fsr-3181	2	8	portfolio	portfolio	NOUN
fsr-3181	2	9	allocation	allocation	NOUN
fsr-3181	2	10	decisions	decision	NOUN
fsr-3181	2	11	and	and	CCONJ
fsr-3181	2	12	the	the	DET
fsr-3181	2	13	demand	demand	NOUN
fsr-3181	2	14	for	for	ADP
fsr-3181	2	15	life	life	NOUN
fsr-3181	2	16	insurance	insurance	NOUN
fsr-3181	2	17	in	in	ADP
fsr-3181	2	18	a	a	DET
fsr-3181	2	19	dynamic	dynamic	ADJ
fsr-3181	2	20	setting	setting	NOUN
fsr-3181	2	21	,	,	PUNCT
fsr-3181	2	22	using	use	VERB
fsr-3181	2	23	panel	panel	NOUN
fsr-3181	2	24	data	datum	NOUN
fsr-3181	2	25	before	before	ADV
fsr-3181	2	26	and	and	CCONJ
fsr-3181	2	27	after	after	ADP
fsr-3181	2	28	the	the	DET
fsr-3181	2	29	2008	2008	NUM
fsr-3181	2	30	financial	financial	ADJ
fsr-3181	2	31	crisis	crisis	NOUN
fsr-3181	2	32	.	.	PUNCT
fsr-3181	3	1	the	the	DET
fsr-3181	3	2	study	study	NOUN
fsr-3181	3	3	provides	provide	VERB
fsr-3181	3	4	the	the	DET
fsr-3181	3	5	first	first	ADJ
fsr-3181	3	6	evidence	evidence	NOUN
fsr-3181	3	7	that	that	SCONJ
fsr-3181	3	8	household	household	NOUN
fsr-3181	3	9	decisions	decision	NOUN
fsr-3181	3	10	to	to	PART
fsr-3181	3	11	invest	invest	VERB
fsr-3181	3	12	in	in	ADP
fsr-3181	3	13	cash	cash	NOUN
fsr-3181	3	14	and	and	CCONJ
fsr-3181	3	15	cash	cash	NOUN
fsr-3181	3	16	equivalents	equivalent	NOUN
fsr-3181	3	17	,	,	PUNCT
fsr-3181	3	18	bonds	bond	NOUN
fsr-3181	3	19	,	,	PUNCT
fsr-3181	3	20	retirement	retirement	NOUN
fsr-3181	3	21	assets	asset	NOUN
fsr-3181	3	22	,	,	PUNCT
fsr-3181	3	23	and	and	CCONJ
fsr-3181	3	24	pay	pay	VERB
fsr-3181	3	25	off	off	ADP
fsr-3181	3	26	debts	debt	NOUN
fsr-3181	3	27	significantly	significantly	ADV
fsr-3181	3	28	affect	affect	VERB
fsr-3181	3	29	life	life	NOUN
fsr-3181	3	30	insurance	insurance	NOUN
fsr-3181	3	31	ownership	ownership	NOUN
fsr-3181	3	32	.	.	PUNCT
fsr-3181	4	1	creative	creative	ADJ
fsr-3181	4	2	commons	commons	PROPN
fsr-3181	4	3	license	license	NOUN
fsr-3181	4	4	this	this	DET
fsr-3181	4	5	work	work	NOUN
fsr-3181	4	6	is	be	AUX
fsr-3181	4	7	licensed	license	VERB
fsr-3181	4	8	under	under	ADP
fsr-3181	4	9	a	a	DET
fsr-3181	4	10	creative	creative	ADJ
fsr-3181	4	11	commons	common	NOUN
fsr-3181	4	12	attribution	attribution	NOUN
fsr-3181	4	13	-	-	PUNCT
fsr-3181	4	14	noncommercial	noncommercial	ADJ
fsr-3181	4	15	4.0	4.0	NUM
fsr-3181	4	16	license	license	NOUN
fsr-3181	4	17	recommended	recommend	VERB
fsr-3181	4	18	citation	citation	NOUN
fsr-3181	4	19	wang	wang	PROPN
fsr-3181	4	20	,	,	PUNCT
fsr-3181	4	21	n.	n.	PROPN
fsr-3181	4	22	,	,	PUNCT
fsr-3181	4	23	deng	deng	PROPN
fsr-3181	4	24	,	,	PUNCT
fsr-3181	4	25	y.	y.	PROPN
fsr-3181	4	26	,	,	PUNCT
fsr-3181	4	27	&	&	CCONJ
fsr-3181	4	28	wu	wu	PROPN
fsr-3181	4	29	,	,	PUNCT
fsr-3181	4	30	r.	r.	PROPN
fsr-3181	4	31	(	(	PUNCT
fsr-3181	4	32	2024	2024	NUM
fsr-3181	4	33	)	)	PUNCT
fsr-3181	4	34	.	.	PUNCT
fsr-3181	5	1	a	a	DET
fsr-3181	5	2	dynamic	dynamic	ADJ
fsr-3181	5	3	analysis	analysis	NOUN
fsr-3181	5	4	of	of	ADP
fsr-3181	5	5	the	the	DET
fsr-3181	5	6	impact	impact	NOUN
fsr-3181	5	7	of	of	ADP
fsr-3181	5	8	household	household	NOUN
fsr-3181	5	9	portfolio	portfolio	NOUN
fsr-3181	5	10	allocation	allocation	NOUN
fsr-3181	5	11	decisions	decision	NOUN
fsr-3181	5	12	on	on	ADP
fsr-3181	5	13	the	the	DET
fsr-3181	5	14	demand	demand	NOUN
fsr-3181	5	15	for	for	ADP
fsr-3181	5	16	life	life	NOUN
fsr-3181	5	17	insurance	insurance	NOUN
fsr-3181	5	18	.	.	PUNCT
fsr-3181	6	1	financial	financial	ADJ
fsr-3181	6	2	services	service	NOUN
fsr-3181	6	3	review	review	PROPN
fsr-3181	6	4	,	,	PUNCT
fsr-3181	6	5	32(1	32(1	NUM
fsr-3181	6	6	)	)	PUNCT
fsr-3181	6	7	,	,	PUNCT
fsr-3181	6	8	1	1	NUM
fsr-3181	6	9	-	-	SYM
fsr-3181	6	10	28	28	NUM
fsr-3181	6	11	.	.	PUNCT
fsr-3181	7	1	introduction	introduction	NOUN
fsr-3181	7	2	household	household	NOUN
fsr-3181	7	3	financial	financial	ADJ
fsr-3181	7	4	decisions	decision	NOUN
fsr-3181	7	5	are	be	AUX
fsr-3181	7	6	complex	complex	ADJ
fsr-3181	7	7	and	and	CCONJ
fsr-3181	7	8	interdependent	interdependent	ADJ
fsr-3181	7	9	,	,	PUNCT
fsr-3181	7	10	and	and	CCONJ
fsr-3181	7	11	central	central	ADJ
fsr-3181	7	12	to	to	ADP
fsr-3181	7	13	the	the	DET
fsr-3181	7	14	functioning	functioning	NOUN
fsr-3181	7	15	of	of	ADP
fsr-3181	7	16	the	the	DET
fsr-3181	7	17	financial	financial	ADJ
fsr-3181	7	18	system	system	NOUN
fsr-3181	7	19	;	;	PUNCT
fsr-3181	7	20	however	however	ADV
fsr-3181	7	21	,	,	PUNCT
fsr-3181	7	22	an	an	DET
fsr-3181	7	23	important	important	ADJ
fsr-3181	7	24	asset	asset	NOUN
fsr-3181	7	25	class	class	NOUN
fsr-3181	7	26	for	for	ADP
fsr-3181	7	27	households	household	NOUN
fsr-3181	7	28	that	that	PRON
fsr-3181	7	29	has	have	AUX
fsr-3181	7	30	received	receive	VERB
fsr-3181	7	31	comparatively	comparatively	ADV
fsr-3181	7	32	less	less	ADJ
fsr-3181	7	33	attention	attention	NOUN
fsr-3181	7	34	is	be	AUX
fsr-3181	7	35	life	life	NOUN
fsr-3181	7	36	insurance	insurance	NOUN
fsr-3181	7	37	(	(	PUNCT
fsr-3181	7	38	gomes	gome	NOUN
fsr-3181	7	39	et	et	PROPN
fsr-3181	7	40	al	al	PROPN
fsr-3181	7	41	.	.	PROPN
fsr-3181	7	42	,	,	PUNCT
fsr-3181	7	43	2021	2021	NUM
fsr-3181	7	44	)	)	PUNCT
fsr-3181	7	45	.	.	PUNCT
fsr-3181	8	1	life	life	NOUN
fsr-3181	8	2	insurance	insurance	NOUN
fsr-3181	8	3	can	can	AUX
fsr-3181	8	4	provide	provide	VERB
fsr-3181	8	5	households	household	NOUN
fsr-3181	8	6	with	with	ADP
fsr-3181	8	7	financial	financial	ADJ
fsr-3181	8	8	protection	protection	NOUN
fsr-3181	8	9	and	and	CCONJ
fsr-3181	8	10	help	help	VERB
fsr-3181	8	11	them	they	PRON
fsr-3181	8	12	pay	pay	VERB
fsr-3181	8	13	off	off	ADP
fsr-3181	8	14	debts	debt	NOUN
fsr-3181	8	15	in	in	ADP
fsr-3181	8	16	the	the	DET
fsr-3181	8	17	event	event	NOUN
fsr-3181	8	18	of	of	ADP
fsr-3181	8	19	the	the	DET
fsr-3181	8	20	premature	premature	ADJ
fsr-3181	8	21	death	death	NOUN
fsr-3181	8	22	of	of	ADP
fsr-3181	8	23	a	a	DET
fsr-3181	8	24	wage	wage	NOUN
fsr-3181	8	25	earner	earner	NOUN
fsr-3181	8	26	.	.	PUNCT
fsr-3181	9	1	whole	whole	ADJ
fsr-3181	9	2	life	life	NOUN
fsr-3181	9	3	insurance	insurance	NOUN
fsr-3181	9	4	,	,	PUNCT
fsr-3181	9	5	in	in	ADP
fsr-3181	9	6	particular	particular	ADJ
fsr-3181	9	7	,	,	PUNCT
fsr-3181	9	8	allows	allow	VERB
fsr-3181	9	9	households	household	NOUN
fsr-3181	9	10	to	to	PART
fsr-3181	9	11	borrow	borrow	VERB
fsr-3181	9	12	against	against	ADP
fsr-3181	9	13	its	its	PRON
fsr-3181	9	14	cash	cash	NOUN
fsr-3181	9	15	value	value	NOUN
fsr-3181	9	16	through	through	ADP
fsr-3181	9	17	a	a	DET
fsr-3181	9	18	loan	loan	NOUN
fsr-3181	9	19	option	option	NOUN
fsr-3181	9	20	.	.	PUNCT
fsr-3181	10	1	if	if	SCONJ
fsr-3181	10	2	households	household	NOUN
fsr-3181	10	3	reduce	reduce	VERB
fsr-3181	10	4	or	or	CCONJ
fsr-3181	10	5	drop	drop	VERB
fsr-3181	10	6	life	life	NOUN
fsr-3181	10	7	insurance	insurance	NOUN
fsr-3181	10	8	coverage	coverage	NOUN
fsr-3181	10	9	during	during	ADP
fsr-3181	10	10	an	an	DET
fsr-3181	10	11	economic	economic	ADJ
fsr-3181	10	12	downturn	downturn	NOUN
fsr-3181	10	13	,	,	PUNCT
fsr-3181	10	14	they	they	PRON
fsr-3181	10	15	may	may	AUX
fsr-3181	10	16	experience	experience	VERB
fsr-3181	10	17	financial	financial	ADJ
fsr-3181	10	18	hardships	hardship	NOUN
fsr-3181	10	19	that	that	PRON
fsr-3181	10	20	can	can	AUX
fsr-3181	10	21	have	have	VERB
fsr-3181	10	22	significant	significant	ADJ
fsr-3181	10	23	economic	economic	ADJ
fsr-3181	10	24	consequences	consequence	NOUN
fsr-3181	10	25	(	(	PUNCT
fsr-3181	10	26	scott	scott	PROPN
fsr-3181	10	27	&	&	CCONJ
fsr-3181	10	28	gilliam	gilliam	PROPN
fsr-3181	10	29	,	,	PUNCT
fsr-3181	10	30	2014	2014	NUM
fsr-3181	10	31	)	)	PUNCT
fsr-3181	10	32	.	.	PUNCT
fsr-3181	11	1	1	1	NUM
fsr-3181	11	2	corresponding	correspond	VERB
fsr-3181	11	3	author	author	NOUN
fsr-3181	11	4	(	(	PUNCT
fsr-3181	11	5	nwang@ung.edu	nwang@ung.edu	PROPN
fsr-3181	11	6	)	)	PUNCT
fsr-3181	11	7	.	.	PUNCT
fsr-3181	12	1	mike	mike	PROPN
fsr-3181	12	2	cottrell	cottrell	PROPN
fsr-3181	12	3	college	college	PROPN
fsr-3181	12	4	of	of	ADP
fsr-3181	12	5	business	business	NOUN
fsr-3181	12	6	,	,	PUNCT
fsr-3181	12	7	university	university	NOUN
fsr-3181	12	8	of	of	ADP
fsr-3181	12	9	north	north	PROPN
fsr-3181	12	10	georgia	georgia	PROPN
fsr-3181	12	11	,	,	PUNCT
fsr-3181	12	12	dahlonega	dahlonega	PROPN
fsr-3181	12	13	,	,	PUNCT
fsr-3181	12	14	usa	usa	PROPN
fsr-3181	12	15	.	.	PROPN
fsr-3181	12	16	2	2	NUM
fsr-3181	12	17	college	college	NOUN
fsr-3181	12	18	of	of	ADP
fsr-3181	12	19	business	business	NOUN
fsr-3181	12	20	,	,	PUNCT
fsr-3181	12	21	university	university	NOUN
fsr-3181	12	22	of	of	ADP
fsr-3181	12	23	central	central	PROPN
fsr-3181	12	24	arkansas	arkansas	PROPN
fsr-3181	12	25	,	,	PUNCT
fsr-3181	12	26	conway	conway	PROPN
fsr-3181	12	27	,	,	PUNCT
fsr-3181	12	28	usa	usa	PROPN
fsr-3181	12	29	.	.	PROPN
fsr-3181	12	30	3	3	NUM
fsr-3181	12	31	mike	mike	PROPN
fsr-3181	12	32	cottrell	cottrell	PROPN
fsr-3181	12	33	college	college	PROPN
fsr-3181	12	34	of	of	ADP
fsr-3181	12	35	business	business	NOUN
fsr-3181	12	36	,	,	PUNCT
fsr-3181	12	37	university	university	NOUN
fsr-3181	12	38	of	of	ADP
fsr-3181	12	39	north	north	PROPN
fsr-3181	12	40	georgia	georgia	PROPN
fsr-3181	12	41	,	,	PUNCT
fsr-3181	12	42	dahlonega	dahlonega	PROPN
fsr-3181	12	43	,	,	PUNCT
fsr-3181	12	44	usa	usa	PROPN
fsr-3181	12	45	.	.	PROPN
fsr-3181	12	46	household	household	NOUN
fsr-3181	12	47	financial	financial	ADJ
fsr-3181	12	48	decisions	decision	NOUN
fsr-3181	12	49	should	should	AUX
fsr-3181	12	50	be	be	AUX
fsr-3181	12	51	assessed	assess	VERB
fsr-3181	12	52	and	and	CCONJ
fsr-3181	12	53	analyzed	analyze	VERB
fsr-3181	12	54	within	within	ADP
fsr-3181	12	55	the	the	DET
fsr-3181	12	56	broader	broad	ADJ
fsr-3181	12	57	context	context	NOUN
fsr-3181	12	58	of	of	ADP
fsr-3181	12	59	the	the	DET
fsr-3181	12	60	entire	entire	ADJ
fsr-3181	12	61	portfolio	portfolio	NOUN
fsr-3181	12	62	,	,	PUNCT
fsr-3181	12	63	rather	rather	ADV
fsr-3181	12	64	than	than	ADP
fsr-3181	12	65	focusing	focus	VERB
fsr-3181	12	66	on	on	ADP
fsr-3181	12	67	individual	individual	ADJ
fsr-3181	12	68	assets	asset	NOUN
fsr-3181	12	69	,	,	PUNCT
fsr-3181	12	70	securities	security	NOUN
fsr-3181	12	71	,	,	PUNCT
fsr-3181	12	72	or	or	CCONJ
fsr-3181	12	73	accounts	account	NOUN
fsr-3181	12	74	(	(	PUNCT
fsr-3181	12	75	rabbani	rabbani	PROPN
fsr-3181	12	76	et	et	PROPN
fsr-3181	12	77	al	al	PROPN
fsr-3181	12	78	.	.	PROPN
fsr-3181	12	79	,	,	PUNCT
fsr-3181	12	80	2017	2017	NUM
fsr-3181	12	81	;	;	PUNCT
fsr-3181	12	82	gomes	gome	NOUN
fsr-3181	12	83	et	et	PROPN
fsr-3181	12	84	al	al	PROPN
fsr-3181	12	85	.	.	PROPN
fsr-3181	12	86	,	,	PUNCT
fsr-3181	12	87	2021	2021	NUM
fsr-3181	12	88	)	)	PUNCT
fsr-3181	12	89	.	.	PUNCT
fsr-3181	13	1	during	during	ADP
fsr-3181	13	2	a	a	DET
fsr-3181	13	3	recession	recession	NOUN
fsr-3181	13	4	,	,	PUNCT
fsr-3181	13	5	because	because	SCONJ
fsr-3181	13	6	of	of	ADP
fsr-3181	13	7	rising	rise	VERB
fsr-3181	13	8	unemployment	unemployment	NOUN
fsr-3181	13	9	and	and	CCONJ
fsr-3181	13	10	declining	decline	VERB
fsr-3181	13	11	income	income	NOUN
fsr-3181	13	12	,	,	PUNCT
fsr-3181	13	13	households	household	NOUN
fsr-3181	13	14	have	have	VERB
fsr-3181	13	15	a	a	DET
fsr-3181	13	16	tight	tight	ADJ
fsr-3181	13	17	budget	budget	NOUN
fsr-3181	13	18	for	for	ADP
fsr-3181	13	19	various	various	ADJ
fsr-3181	13	20	financial	financial	ADJ
fsr-3181	13	21	assets	asset	NOUN
fsr-3181	13	22	including	include	VERB
fsr-3181	13	23	stocks	stock	NOUN
fsr-3181	13	24	,	,	PUNCT
fsr-3181	13	25	bonds	bond	NOUN
fsr-3181	13	26	,	,	PUNCT
fsr-3181	13	27	and	and	CCONJ
fsr-3181	13	28	life	life	NOUN
fsr-3181	13	29	insurance	insurance	NOUN
fsr-3181	13	30	,	,	PUNCT
fsr-3181	13	31	and	and	CCONJ
fsr-3181	13	32	are	be	AUX
fsr-3181	13	33	less	less	ADV
fsr-3181	13	34	likely	likely	ADJ
fsr-3181	13	35	to	to	PART
fsr-3181	13	36	pay	pay	VERB
fsr-3181	13	37	off	off	ADP
fsr-3181	13	38	debts	debt	NOUN
fsr-3181	13	39	.	.	PUNCT
fsr-3181	14	1	the	the	DET
fsr-3181	14	2	holdings	holding	NOUN
fsr-3181	14	3	of	of	ADP
fsr-3181	14	4	life	life	NOUN
fsr-3181	14	5	insurance	insurance	NOUN
fsr-3181	14	6	can	can	AUX
fsr-3181	14	7	be	be	AUX
fsr-3181	14	8	associated	associate	VERB
fsr-3181	14	9	with	with	ADP
fsr-3181	14	10	the	the	DET
fsr-3181	14	11	holdings	holding	NOUN
fsr-3181	14	12	of	of	ADP
fsr-3181	14	13	other	other	ADJ
fsr-3181	14	14	financial	financial	ADJ
fsr-3181	14	15	assets	asset	NOUN
fsr-3181	14	16	and	and	CCONJ
fsr-3181	14	17	debts	debt	NOUN
fsr-3181	14	18	as	as	ADP
fsr-3181	14	19	households	household	NOUN
fsr-3181	14	20	rebalance	rebalance	NOUN
fsr-3181	14	21	and	and	CCONJ
fsr-3181	14	22	adjust	adjust	VERB
fsr-3181	14	23	their	their	PRON
fsr-3181	14	24	financial	financial	ADJ
fsr-3181	14	25	portfolios	portfolio	NOUN
fsr-3181	14	26	.	.	PUNCT
fsr-3181	15	1	the	the	DET
fsr-3181	15	2	allocation	allocation	NOUN
fsr-3181	15	3	of	of	ADP
fsr-3181	15	4	household	household	NOUN
fsr-3181	15	5	financial	financial	ADJ
fsr-3181	15	6	portfolios	portfolio	NOUN
fsr-3181	15	7	is	be	AUX
fsr-3181	15	8	essential	essential	ADJ
fsr-3181	15	9	in	in	ADP
fsr-3181	15	10	explaining	explain	VERB
fsr-3181	15	11	the	the	DET
fsr-3181	15	12	purchase	purchase	NOUN
fsr-3181	15	13	of	of	ADP
fsr-3181	15	14	life	life	NOUN
fsr-3181	15	15	insurance	insurance	NOUN
fsr-3181	15	16	(	(	PUNCT
fsr-3181	15	17	lin	lin	PROPN
fsr-3181	15	18	&	&	CCONJ
fsr-3181	15	19	grace	grace	PROPN
fsr-3181	15	20	,	,	PUNCT
fsr-3181	15	21	2007	2007	NUM
fsr-3181	15	22	;	;	PUNCT
fsr-3181	15	23	shi	shi	PROPN
fsr-3181	15	24	et	et	PROPN
fsr-3181	15	25	al	al	PROPN
fsr-3181	15	26	.	.	PROPN
fsr-3181	15	27	,	,	PUNCT
fsr-3181	15	28	2015	2015	NUM
fsr-3181	15	29	)	)	PUNCT
fsr-3181	15	30	.	.	PUNCT
fsr-3181	16	1	accordingly	accordingly	ADV
fsr-3181	16	2	,	,	PUNCT
fsr-3181	16	3	it	it	PRON
fsr-3181	16	4	is	be	AUX
fsr-3181	16	5	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-3181	16	6	mailto:nwang@ung.edu	mailto:nwang@ung.edu	PROPN
fsr-3181	16	7	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-3181	16	8	financial	financial	ADJ
fsr-3181	16	9	services	service	NOUN
fsr-3181	16	10	review	review	NOUN
fsr-3181	16	11	,	,	PUNCT
fsr-3181	16	12	32(1	32(1	NUM
fsr-3181	16	13	)	)	PUNCT
fsr-3181	16	14	2	2	NUM
fsr-3181	16	15	crucial	crucial	ADJ
fsr-3181	16	16	to	to	PART
fsr-3181	16	17	explore	explore	VERB
fsr-3181	16	18	household	household	NOUN
fsr-3181	16	19	choices	choice	NOUN
fsr-3181	16	20	of	of	ADP
fsr-3181	16	21	life	life	NOUN
fsr-3181	16	22	insurance	insurance	NOUN
fsr-3181	16	23	within	within	ADP
fsr-3181	16	24	the	the	DET
fsr-3181	16	25	framework	framework	NOUN
fsr-3181	16	26	of	of	ADP
fsr-3181	16	27	household	household	NOUN
fsr-3181	16	28	portfolios	portfolio	NOUN
fsr-3181	16	29	.	.	PUNCT
fsr-3181	17	1	previous	previous	ADJ
fsr-3181	17	2	studies	study	NOUN
fsr-3181	17	3	have	have	AUX
fsr-3181	17	4	addressed	address	VERB
fsr-3181	17	5	the	the	DET
fsr-3181	17	6	importance	importance	NOUN
fsr-3181	17	7	of	of	ADP
fsr-3181	17	8	considering	consider	VERB
fsr-3181	17	9	household	household	NOUN
fsr-3181	17	10	portfolio	portfolio	NOUN
fsr-3181	17	11	holdings	holding	NOUN
fsr-3181	17	12	when	when	SCONJ
fsr-3181	17	13	analyzing	analyze	VERB
fsr-3181	17	14	the	the	DET
fsr-3181	17	15	determinants	determinant	NOUN
fsr-3181	17	16	of	of	ADP
fsr-3181	17	17	the	the	DET
fsr-3181	17	18	demand	demand	NOUN
fsr-3181	17	19	for	for	ADP
fsr-3181	17	20	life	life	NOUN
fsr-3181	17	21	insurance	insurance	NOUN
fsr-3181	17	22	.	.	PUNCT
fsr-3181	18	1	fortune	fortune	NOUN
fsr-3181	18	2	(	(	PUNCT
fsr-3181	18	3	1973	1973	NUM
fsr-3181	18	4	)	)	PUNCT
fsr-3181	18	5	indicates	indicate	VERB
fsr-3181	18	6	that	that	SCONJ
fsr-3181	18	7	life	life	NOUN
fsr-3181	18	8	insurance	insurance	NOUN
fsr-3181	18	9	is	be	AUX
fsr-3181	18	10	a	a	DET
fsr-3181	18	11	substitute	substitute	NOUN
fsr-3181	18	12	for	for	ADP
fsr-3181	18	13	primary	primary	ADJ
fsr-3181	18	14	financial	financial	ADJ
fsr-3181	18	15	assets	asset	NOUN
fsr-3181	18	16	.	.	PUNCT
fsr-3181	19	1	in	in	ADP
fsr-3181	19	2	contrast	contrast	NOUN
fsr-3181	19	3	,	,	PUNCT
fsr-3181	19	4	outreville	outreville	NOUN
fsr-3181	19	5	(	(	PUNCT
fsr-3181	19	6	2013	2013	NUM
fsr-3181	19	7	)	)	PUNCT
fsr-3181	19	8	suggests	suggest	VERB
fsr-3181	19	9	a	a	DET
fsr-3181	19	10	positive	positive	ADJ
fsr-3181	19	11	relationship	relationship	NOUN
fsr-3181	19	12	between	between	ADP
fsr-3181	19	13	the	the	DET
fsr-3181	19	14	demand	demand	NOUN
fsr-3181	19	15	for	for	ADP
fsr-3181	19	16	life	life	NOUN
fsr-3181	19	17	insurance	insurance	NOUN
fsr-3181	19	18	and	and	CCONJ
fsr-3181	19	19	household	household	NOUN
fsr-3181	19	20	holdings	holding	NOUN
fsr-3181	19	21	of	of	ADP
fsr-3181	19	22	primary	primary	ADJ
fsr-3181	19	23	financial	financial	ADJ
fsr-3181	19	24	assets	asset	NOUN
fsr-3181	19	25	.	.	PUNCT
fsr-3181	20	1	luciano	luciano	PROPN
fsr-3181	20	2	et	et	PROPN
fsr-3181	20	3	al	al	PROPN
fsr-3181	20	4	.	.	PROPN
fsr-3181	21	1	(	(	PUNCT
fsr-3181	21	2	2016	2016	NUM
fsr-3181	21	3	)	)	PUNCT
fsr-3181	21	4	explain	explain	VERB
fsr-3181	21	5	this	this	DET
fsr-3181	21	6	relationship	relationship	NOUN
fsr-3181	21	7	by	by	ADP
fsr-3181	21	8	the	the	DET
fsr-3181	21	9	increased	increase	VERB
fsr-3181	21	10	participation	participation	NOUN
fsr-3181	21	11	in	in	ADP
fsr-3181	21	12	both	both	CCONJ
fsr-3181	21	13	the	the	DET
fsr-3181	21	14	stock	stock	NOUN
fsr-3181	21	15	market	market	NOUN
fsr-3181	21	16	and	and	CCONJ
fsr-3181	21	17	life	life	NOUN
fsr-3181	21	18	insurance	insurance	NOUN
fsr-3181	21	19	market	market	NOUN
fsr-3181	21	20	due	due	ADP
fsr-3181	21	21	to	to	ADP
fsr-3181	21	22	financial	financial	ADJ
fsr-3181	21	23	market	market	NOUN
fsr-3181	21	24	proximity	proximity	NOUN
fsr-3181	21	25	and	and	CCONJ
fsr-3181	21	26	familiarity	familiarity	NOUN
fsr-3181	21	27	.	.	PUNCT
fsr-3181	22	1	lin	lin	PROPN
fsr-3181	22	2	and	and	CCONJ
fsr-3181	22	3	grace	grace	NOUN
fsr-3181	22	4	(	(	PUNCT
fsr-3181	22	5	2007	2007	NUM
fsr-3181	22	6	)	)	PUNCT
fsr-3181	22	7	find	find	VERB
fsr-3181	22	8	that	that	SCONJ
fsr-3181	22	9	individual	individual	ADJ
fsr-3181	22	10	retirement	retirement	NOUN
fsr-3181	22	11	accounts	account	NOUN
fsr-3181	22	12	are	be	AUX
fsr-3181	22	13	complements	complement	NOUN
fsr-3181	22	14	to	to	PART
fsr-3181	22	15	total	total	VERB
fsr-3181	22	16	life	life	NOUN
fsr-3181	22	17	insurance	insurance	NOUN
fsr-3181	22	18	for	for	ADP
fsr-3181	22	19	youngand	youngand	PROPN
fsr-3181	22	20	middle	middle	ADJ
fsr-3181	22	21	-	-	PUNCT
fsr-3181	22	22	aged	aged	ADJ
fsr-3181	22	23	households	household	NOUN
fsr-3181	22	24	.	.	PUNCT
fsr-3181	23	1	in	in	ADP
fsr-3181	23	2	addition	addition	NOUN
fsr-3181	23	3	to	to	ADP
fsr-3181	23	4	the	the	DET
fsr-3181	23	5	holdings	holding	NOUN
fsr-3181	23	6	of	of	ADP
fsr-3181	23	7	financial	financial	ADJ
fsr-3181	23	8	assets	asset	NOUN
fsr-3181	23	9	,	,	PUNCT
fsr-3181	23	10	prior	prior	ADJ
fsr-3181	23	11	research	research	NOUN
fsr-3181	23	12	has	have	AUX
fsr-3181	23	13	suggested	suggest	VERB
fsr-3181	23	14	that	that	SCONJ
fsr-3181	23	15	debt	debt	NOUN
fsr-3181	23	16	holdings	holding	NOUN
fsr-3181	23	17	can	can	AUX
fsr-3181	23	18	impact	impact	VERB
fsr-3181	23	19	the	the	DET
fsr-3181	23	20	demand	demand	NOUN
fsr-3181	23	21	for	for	ADP
fsr-3181	23	22	life	life	NOUN
fsr-3181	23	23	insurance	insurance	NOUN
fsr-3181	23	24	(	(	PUNCT
fsr-3181	23	25	ferber	ferber	PROPN
fsr-3181	23	26	&	&	CCONJ
fsr-3181	23	27	lee	lee	PROPN
fsr-3181	23	28	,	,	PUNCT
fsr-3181	23	29	1980	1980	NUM
fsr-3181	23	30	)	)	PUNCT
fsr-3181	23	31	.	.	PUNCT
fsr-3181	24	1	while	while	SCONJ
fsr-3181	24	2	lin	lin	PROPN
fsr-3181	24	3	and	and	CCONJ
fsr-3181	24	4	grace	grace	NOUN
fsr-3181	24	5	(	(	PUNCT
fsr-3181	24	6	2007	2007	NUM
fsr-3181	24	7	)	)	PUNCT
fsr-3181	24	8	note	note	VERB
fsr-3181	24	9	that	that	SCONJ
fsr-3181	24	10	the	the	DET
fsr-3181	24	11	effect	effect	NOUN
fsr-3181	24	12	of	of	ADP
fsr-3181	24	13	debts	debt	NOUN
fsr-3181	24	14	on	on	ADP
fsr-3181	24	15	life	life	NOUN
fsr-3181	24	16	insurance	insurance	NOUN
fsr-3181	24	17	could	could	AUX
fsr-3181	24	18	be	be	AUX
fsr-3181	24	19	ambiguous	ambiguous	ADJ
fsr-3181	24	20	,	,	PUNCT
fsr-3181	24	21	hau	hau	NOUN
fsr-3181	24	22	(	(	PUNCT
fsr-3181	24	23	2000	2000	NUM
fsr-3181	24	24	)	)	PUNCT
fsr-3181	24	25	documents	document	NOUN
fsr-3181	24	26	a	a	DET
fsr-3181	24	27	positive	positive	ADJ
fsr-3181	24	28	effect	effect	NOUN
fsr-3181	24	29	,	,	PUNCT
fsr-3181	24	30	implying	imply	VERB
fsr-3181	24	31	that	that	SCONJ
fsr-3181	24	32	life	life	NOUN
fsr-3181	24	33	insurance	insurance	NOUN
fsr-3181	24	34	benefits	benefit	NOUN
fsr-3181	24	35	can	can	AUX
fsr-3181	24	36	serve	serve	VERB
fsr-3181	24	37	as	as	ADP
fsr-3181	24	38	immediate	immediate	ADJ
fsr-3181	24	39	cash	cash	NOUN
fsr-3181	24	40	to	to	PART
fsr-3181	24	41	pay	pay	VERB
fsr-3181	24	42	debts	debt	NOUN
fsr-3181	24	43	and	and	CCONJ
fsr-3181	24	44	costs	cost	NOUN
fsr-3181	24	45	of	of	ADP
fsr-3181	24	46	death	death	NOUN
fsr-3181	24	47	.	.	PUNCT
fsr-3181	25	1	more	more	ADV
fsr-3181	25	2	recently	recently	ADV
fsr-3181	25	3	,	,	PUNCT
fsr-3181	25	4	wang	wang	PROPN
fsr-3181	25	5	(	(	PUNCT
fsr-3181	25	6	2023	2023	NUM
fsr-3181	25	7	)	)	PUNCT
fsr-3181	25	8	finds	find	VERB
fsr-3181	25	9	that	that	SCONJ
fsr-3181	25	10	changes	change	NOUN
fsr-3181	25	11	in	in	ADP
fsr-3181	25	12	household	household	NOUN
fsr-3181	25	13	portfolio	portfolio	NOUN
fsr-3181	25	14	holdings	holding	NOUN
fsr-3181	25	15	were	be	AUX
fsr-3181	25	16	more	more	ADV
fsr-3181	25	17	significant	significant	ADJ
fsr-3181	25	18	than	than	ADP
fsr-3181	25	19	life	life	NOUN
fsr-3181	25	20	events	event	NOUN
fsr-3181	25	21	in	in	ADP
fsr-3181	25	22	determining	determine	VERB
fsr-3181	25	23	life	life	NOUN
fsr-3181	25	24	insurance	insurance	NOUN
fsr-3181	25	25	ownership	ownership	NOUN
fsr-3181	25	26	.	.	PUNCT
fsr-3181	26	1	changes	change	NOUN
fsr-3181	26	2	in	in	ADP
fsr-3181	26	3	household	household	NOUN
fsr-3181	26	4	portfolio	portfolio	NOUN
fsr-3181	26	5	holdings	holding	NOUN
fsr-3181	26	6	may	may	AUX
fsr-3181	26	7	result	result	VERB
fsr-3181	26	8	from	from	ADP
fsr-3181	26	9	the	the	DET
fsr-3181	26	10	passive	passive	ADJ
fsr-3181	26	11	acceptance	acceptance	NOUN
fsr-3181	26	12	of	of	ADP
fsr-3181	26	13	portfolio	portfolio	NOUN
fsr-3181	26	14	shifts	shift	NOUN
fsr-3181	26	15	or	or	CCONJ
fsr-3181	26	16	from	from	ADP
fsr-3181	26	17	active	active	ADJ
fsr-3181	26	18	decision	decision	NOUN
fsr-3181	26	19	-	-	PUNCT
fsr-3181	26	20	making	making	NOUN
fsr-3181	26	21	for	for	ADP
fsr-3181	26	22	portfolio	portfolio	NOUN
fsr-3181	26	23	allocation	allocation	NOUN
fsr-3181	26	24	and	and	CCONJ
fsr-3181	26	25	rebalancing	rebalancing	NOUN
fsr-3181	26	26	(	(	PUNCT
fsr-3181	26	27	bricker	bricker	NOUN
fsr-3181	26	28	et	et	NOUN
fsr-3181	26	29	al	al	PROPN
fsr-3181	26	30	,	,	PUNCT
fsr-3181	26	31	2011	2011	NUM
fsr-3181	26	32	)	)	PUNCT
fsr-3181	26	33	.	.	PUNCT
fsr-3181	27	1	passive	passive	ADJ
fsr-3181	27	2	acceptance	acceptance	NOUN
fsr-3181	27	3	refers	refer	VERB
fsr-3181	27	4	to	to	ADP
fsr-3181	27	5	situations	situation	NOUN
fsr-3181	27	6	where	where	SCONJ
fsr-3181	27	7	households	household	NOUN
fsr-3181	27	8	simply	simply	ADV
fsr-3181	27	9	accept	accept	VERB
fsr-3181	27	10	portfolio	portfolio	NOUN
fsr-3181	27	11	shifts	shift	NOUN
fsr-3181	27	12	driven	drive	VERB
fsr-3181	27	13	by	by	ADP
fsr-3181	27	14	external	external	ADJ
fsr-3181	27	15	factors	factor	NOUN
fsr-3181	27	16	,	,	PUNCT
fsr-3181	27	17	such	such	ADJ
fsr-3181	27	18	as	as	ADP
fsr-3181	27	19	changes	change	NOUN
fsr-3181	27	20	in	in	ADP
fsr-3181	27	21	asset	asset	NOUN
fsr-3181	27	22	prices	price	NOUN
fsr-3181	27	23	.	.	PUNCT
fsr-3181	28	1	this	this	PRON
fsr-3181	28	2	could	could	AUX
fsr-3181	28	3	result	result	VERB
fsr-3181	28	4	in	in	ADP
fsr-3181	28	5	household	household	NOUN
fsr-3181	28	6	portfolios	portfolio	NOUN
fsr-3181	28	7	that	that	PRON
fsr-3181	28	8	may	may	AUX
fsr-3181	28	9	not	not	PART
fsr-3181	28	10	necessarily	necessarily	ADV
fsr-3181	28	11	align	align	VERB
fsr-3181	28	12	with	with	ADP
fsr-3181	28	13	their	their	PRON
fsr-3181	28	14	risk	risk	NOUN
fsr-3181	28	15	and	and	CCONJ
fsr-3181	28	16	return	return	VERB
fsr-3181	28	17	preferences	preference	NOUN
fsr-3181	28	18	.	.	PUNCT
fsr-3181	29	1	on	on	ADP
fsr-3181	29	2	the	the	DET
fsr-3181	29	3	other	other	ADJ
fsr-3181	29	4	hand	hand	NOUN
fsr-3181	29	5	,	,	PUNCT
fsr-3181	29	6	portfolio	portfolio	NOUN
fsr-3181	29	7	allocation	allocation	NOUN
fsr-3181	29	8	involves	involve	VERB
fsr-3181	29	9	households	household	NOUN
fsr-3181	29	10	actively	actively	ADV
fsr-3181	29	11	making	make	VERB
fsr-3181	29	12	decisions	decision	NOUN
fsr-3181	29	13	to	to	PART
fsr-3181	29	14	rebalance	rebalance	VERB
fsr-3181	29	15	the	the	DET
fsr-3181	29	16	distribution	distribution	NOUN
fsr-3181	29	17	of	of	ADP
fsr-3181	29	18	diverse	diverse	ADJ
fsr-3181	29	19	financial	financial	ADJ
fsr-3181	29	20	assets	asset	NOUN
fsr-3181	29	21	within	within	ADP
fsr-3181	29	22	their	their	PRON
fsr-3181	29	23	portfolios	portfolio	NOUN
fsr-3181	29	24	to	to	PART
fsr-3181	29	25	fulfill	fulfill	VERB
fsr-3181	29	26	their	their	PRON
fsr-3181	29	27	financial	financial	ADJ
fsr-3181	29	28	needs	need	NOUN
fsr-3181	29	29	.	.	PUNCT
fsr-3181	30	1	this	this	DET
fsr-3181	30	2	process	process	NOUN
fsr-3181	30	3	involves	involve	VERB
fsr-3181	30	4	the	the	DET
fsr-3181	30	5	consideration	consideration	NOUN
fsr-3181	30	6	of	of	ADP
fsr-3181	30	7	factors	factor	NOUN
fsr-3181	30	8	such	such	ADJ
fsr-3181	30	9	as	as	ADP
fsr-3181	30	10	financial	financial	ADJ
fsr-3181	30	11	objectives	objective	NOUN
fsr-3181	30	12	,	,	PUNCT
fsr-3181	30	13	risk	risk	NOUN
fsr-3181	30	14	tolerance	tolerance	NOUN
fsr-3181	30	15	,	,	PUNCT
fsr-3181	30	16	and	and	CCONJ
fsr-3181	30	17	financial	financial	ADJ
fsr-3181	30	18	literacy	literacy	NOUN
fsr-3181	30	19	or	or	CCONJ
fsr-3181	30	20	guidance	guidance	NOUN
fsr-3181	30	21	.	.	PUNCT
fsr-3181	31	1	under	under	ADP
fsr-3181	31	2	standard	standard	ADJ
fsr-3181	31	3	models	model	NOUN
fsr-3181	31	4	of	of	ADP
fsr-3181	31	5	portfolio	portfolio	NOUN
fsr-3181	31	6	choices	choice	NOUN
fsr-3181	31	7	,	,	PUNCT
fsr-3181	31	8	households	household	NOUN
fsr-3181	31	9	in	in	ADP
fsr-3181	31	10	efficient	efficient	ADJ
fsr-3181	31	11	markets	market	NOUN
fsr-3181	31	12	are	be	AUX
fsr-3181	31	13	expected	expect	VERB
fsr-3181	31	14	to	to	PART
fsr-3181	31	15	invest	invest	VERB
fsr-3181	31	16	passively	passively	ADV
fsr-3181	31	17	with	with	ADP
fsr-3181	31	18	a	a	DET
fsr-3181	31	19	low	low	ADJ
fsr-3181	31	20	frequency	frequency	NOUN
fsr-3181	31	21	of	of	ADP
fsr-3181	31	22	portfolio	portfolio	NOUN
fsr-3181	31	23	rebalancing	rebalancing	NOUN
fsr-3181	31	24	(	(	PUNCT
fsr-3181	31	25	gomes	gome	NOUN
fsr-3181	31	26	et	et	PROPN
fsr-3181	31	27	al	al	PROPN
fsr-3181	31	28	.	.	PROPN
fsr-3181	31	29	,	,	PUNCT
fsr-3181	31	30	2021	2021	NUM
fsr-3181	31	31	)	)	PUNCT
fsr-3181	31	32	.	.	PUNCT
fsr-3181	32	1	nevertheless	nevertheless	ADV
fsr-3181	32	2	,	,	PUNCT
fsr-3181	32	3	campbell	campbell	PROPN
fsr-3181	32	4	et	et	PROPN
fsr-3181	32	5	al	al	PROPN
fsr-3181	32	6	.	.	PROPN
fsr-3181	32	7	(	(	PUNCT
fsr-3181	32	8	2009	2009	NUM
fsr-3181	32	9	)	)	PUNCT
fsr-3181	32	10	demonstrate	demonstrate	VERB
fsr-3181	32	11	that	that	SCONJ
fsr-3181	32	12	households	household	NOUN
fsr-3181	32	13	trade	trade	VERB
fsr-3181	32	14	more	more	ADV
fsr-3181	32	15	frequently	frequently	ADV
fsr-3181	32	16	and	and	CCONJ
fsr-3181	32	17	excessively	excessively	ADV
fsr-3181	32	18	than	than	SCONJ
fsr-3181	32	19	is	be	AUX
fsr-3181	32	20	good	good	ADJ
fsr-3181	32	21	for	for	ADP
fsr-3181	32	22	their	their	PRON
fsr-3181	32	23	financial	financial	ADJ
fsr-3181	32	24	wellbeing	wellbeing	NOUN
fsr-3181	32	25	.	.	PUNCT
fsr-3181	33	1	during	during	ADP
fsr-3181	33	2	the	the	DET
fsr-3181	33	3	2008	2008	NUM
fsr-3181	33	4	financial	financial	ADJ
fsr-3181	33	5	crisis	crisis	NOUN
fsr-3181	33	6	,	,	PUNCT
fsr-3181	33	7	bricker	bricker	NOUN
fsr-3181	33	8	et	et	NOUN
fsr-3181	33	9	al	al	PROPN
fsr-3181	33	10	.	.	PROPN
fsr-3181	33	11	(	(	PUNCT
fsr-3181	33	12	2011	2011	NUM
fsr-3181	33	13	)	)	PUNCT
fsr-3181	33	14	indicate	indicate	VERB
fsr-3181	33	15	that	that	SCONJ
fsr-3181	33	16	the	the	DET
fsr-3181	33	17	majority	majority	NOUN
fsr-3181	33	18	of	of	ADP
fsr-3181	33	19	families	family	NOUN
fsr-3181	33	20	passively	passively	ADV
fsr-3181	33	21	accepted	accept	VERB
fsr-3181	33	22	changes	change	NOUN
fsr-3181	33	23	in	in	ADP
fsr-3181	33	24	portfolio	portfolio	NOUN
fsr-3181	33	25	shares	share	NOUN
fsr-3181	33	26	.	.	PUNCT
fsr-3181	34	1	hoopes	hoopes	PROPN
fsr-3181	34	2	et	et	PROPN
fsr-3181	34	3	al	al	PROPN
fsr-3181	34	4	.	.	PROPN
fsr-3181	35	1	(	(	PUNCT
fsr-3181	35	2	2016	2016	NUM
fsr-3181	35	3	)	)	PUNCT
fsr-3181	35	4	demonstrate	demonstrate	VERB
fsr-3181	35	5	that	that	SCONJ
fsr-3181	35	6	households	household	NOUN
fsr-3181	35	7	in	in	ADP
fsr-3181	35	8	the	the	DET
fsr-3181	35	9	very	very	ADV
fsr-3181	35	10	highest	high	ADJ
fsr-3181	35	11	income	income	NOUN
fsr-3181	35	12	groups	group	NOUN
fsr-3181	35	13	rebalanced	rebalance	VERB
fsr-3181	35	14	financial	financial	ADJ
fsr-3181	35	15	portfolios	portfolio	NOUN
fsr-3181	35	16	more	more	ADV
fsr-3181	35	17	actively	actively	ADV
fsr-3181	35	18	than	than	ADP
fsr-3181	35	19	others	other	NOUN
fsr-3181	35	20	throughout	throughout	ADP
fsr-3181	35	21	the	the	DET
fsr-3181	35	22	2008	2008	NUM
fsr-3181	35	23	financial	financial	ADJ
fsr-3181	35	24	crisis	crisis	NOUN
fsr-3181	35	25	.	.	PUNCT
fsr-3181	36	1	in	in	ADP
fsr-3181	36	2	response	response	NOUN
fsr-3181	36	3	to	to	ADP
fsr-3181	36	4	business	business	NOUN
fsr-3181	36	5	cycles	cycle	NOUN
fsr-3181	36	6	,	,	PUNCT
fsr-3181	36	7	active	active	ADJ
fsr-3181	36	8	portfolio	portfolio	NOUN
fsr-3181	36	9	allocation	allocation	NOUN
fsr-3181	36	10	enables	enable	VERB
fsr-3181	36	11	households	household	NOUN
fsr-3181	36	12	to	to	PART
fsr-3181	36	13	adjust	adjust	VERB
fsr-3181	36	14	their	their	PRON
fsr-3181	36	15	financial	financial	ADJ
fsr-3181	36	16	strategies	strategy	NOUN
fsr-3181	36	17	as	as	SCONJ
fsr-3181	36	18	circumstances	circumstance	NOUN
fsr-3181	36	19	evolve	evolve	VERB
fsr-3181	36	20	.	.	PUNCT
fsr-3181	37	1	this	this	PRON
fsr-3181	37	2	guarantees	guarantee	VERB
fsr-3181	37	3	that	that	SCONJ
fsr-3181	37	4	household	household	NOUN
fsr-3181	37	5	portfolios	portfolio	NOUN
fsr-3181	37	6	stay	stay	VERB
fsr-3181	37	7	aligned	aligned	ADJ
fsr-3181	37	8	with	with	ADP
fsr-3181	37	9	their	their	PRON
fsr-3181	37	10	evolving	evolve	VERB
fsr-3181	37	11	needs	need	NOUN
fsr-3181	37	12	.	.	PUNCT
fsr-3181	38	1	consequently	consequently	ADV
fsr-3181	38	2	,	,	PUNCT
fsr-3181	38	3	it	it	PRON
fsr-3181	38	4	becomes	become	VERB
fsr-3181	38	5	important	important	ADJ
fsr-3181	38	6	to	to	PART
fsr-3181	38	7	differentiate	differentiate	VERB
fsr-3181	38	8	between	between	ADP
fsr-3181	38	9	choices	choice	NOUN
fsr-3181	38	10	of	of	ADP
fsr-3181	38	11	active	active	ADJ
fsr-3181	38	12	portfolio	portfolio	NOUN
fsr-3181	38	13	allocation	allocation	NOUN
fsr-3181	38	14	and	and	CCONJ
fsr-3181	38	15	passive	passive	ADJ
fsr-3181	38	16	acceptance	acceptance	NOUN
fsr-3181	38	17	.	.	PUNCT
fsr-3181	39	1	however	however	ADV
fsr-3181	39	2	,	,	PUNCT
fsr-3181	39	3	this	this	DET
fsr-3181	39	4	distinction	distinction	NOUN
fsr-3181	39	5	has	have	AUX
fsr-3181	39	6	not	not	PART
fsr-3181	39	7	been	be	AUX
fsr-3181	39	8	addressed	address	VERB
fsr-3181	39	9	within	within	ADP
fsr-3181	39	10	the	the	DET
fsr-3181	39	11	existing	exist	VERB
fsr-3181	39	12	body	body	NOUN
fsr-3181	39	13	of	of	ADP
fsr-3181	39	14	insurance	insurance	NOUN
fsr-3181	39	15	literature	literature	NOUN
fsr-3181	39	16	.	.	PUNCT
fsr-3181	40	1	we	we	PRON
fsr-3181	40	2	aim	aim	VERB
fsr-3181	40	3	to	to	PART
fsr-3181	40	4	address	address	VERB
fsr-3181	40	5	this	this	DET
fsr-3181	40	6	significant	significant	ADJ
fsr-3181	40	7	gap	gap	NOUN
fsr-3181	40	8	in	in	ADP
fsr-3181	40	9	the	the	DET
fsr-3181	40	10	literature	literature	NOUN
fsr-3181	40	11	by	by	ADP
fsr-3181	40	12	investigating	investigate	VERB
fsr-3181	40	13	the	the	DET
fsr-3181	40	14	relationship	relationship	NOUN
fsr-3181	40	15	between	between	ADP
fsr-3181	40	16	active	active	ADJ
fsr-3181	40	17	decision	decision	NOUN
fsr-3181	40	18	-	-	PUNCT
fsr-3181	40	19	making	making	NOUN
fsr-3181	40	20	for	for	ADP
fsr-3181	40	21	household	household	NOUN
fsr-3181	40	22	portfolio	portfolio	NOUN
fsr-3181	40	23	allocation	allocation	NOUN
fsr-3181	40	24	and	and	CCONJ
fsr-3181	40	25	the	the	DET
fsr-3181	40	26	demand	demand	NOUN
fsr-3181	40	27	for	for	ADP
fsr-3181	40	28	life	life	NOUN
fsr-3181	40	29	insurance	insurance	NOUN
fsr-3181	40	30	.	.	PUNCT
fsr-3181	41	1	to	to	ADP
fsr-3181	41	2	the	the	DET
fsr-3181	41	3	best	good	ADJ
fsr-3181	41	4	of	of	ADP
fsr-3181	41	5	our	our	PRON
fsr-3181	41	6	knowledge	knowledge	NOUN
fsr-3181	41	7	,	,	PUNCT
fsr-3181	41	8	our	our	PRON
fsr-3181	41	9	study	study	NOUN
fsr-3181	41	10	is	be	AUX
fsr-3181	41	11	the	the	DET
fsr-3181	41	12	first	first	ADJ
fsr-3181	41	13	to	to	PART
fsr-3181	41	14	explore	explore	VERB
fsr-3181	41	15	this	this	DET
fsr-3181	41	16	correlation	correlation	NOUN
fsr-3181	41	17	.	.	PUNCT
fsr-3181	42	1	using	use	VERB
fsr-3181	42	2	data	datum	NOUN
fsr-3181	42	3	from	from	ADP
fsr-3181	42	4	the	the	DET
fsr-3181	42	5	survey	survey	NOUN
fsr-3181	42	6	of	of	ADP
fsr-3181	42	7	consumer	consumer	NOUN
fsr-3181	42	8	finances	finance	NOUN
fsr-3181	42	9	(	(	PUNCT
fsr-3181	42	10	scf	scf	PROPN
fsr-3181	42	11	)	)	PUNCT
fsr-3181	42	12	,	,	PUNCT
fsr-3181	42	13	we	we	PRON
fsr-3181	42	14	examine	examine	VERB
fsr-3181	42	15	different	different	ADJ
fsr-3181	42	16	portfolio	portfolio	NOUN
fsr-3181	42	17	allocation	allocation	NOUN
fsr-3181	42	18	decisions	decision	NOUN
fsr-3181	42	19	that	that	PRON
fsr-3181	42	20	can	can	AUX
fsr-3181	42	21	have	have	VERB
fsr-3181	42	22	an	an	DET
fsr-3181	42	23	impact	impact	NOUN
fsr-3181	42	24	on	on	ADP
fsr-3181	42	25	life	life	NOUN
fsr-3181	42	26	insurance	insurance	NOUN
fsr-3181	42	27	ownership	ownership	NOUN
fsr-3181	42	28	and	and	CCONJ
fsr-3181	42	29	coverage	coverage	NOUN
fsr-3181	42	30	.	.	PUNCT
fsr-3181	43	1	this	this	DET
fsr-3181	43	2	unique	unique	ADJ
fsr-3181	43	3	focus	focus	NOUN
fsr-3181	43	4	provides	provide	VERB
fsr-3181	43	5	valuable	valuable	ADJ
fsr-3181	43	6	implications	implication	NOUN
fsr-3181	43	7	for	for	ADP
fsr-3181	43	8	financial	financial	ADJ
fsr-3181	43	9	advisors	advisor	NOUN
fsr-3181	43	10	,	,	PUNCT
fsr-3181	43	11	policymakers	policymaker	NOUN
fsr-3181	43	12	,	,	PUNCT
fsr-3181	43	13	and	and	CCONJ
fsr-3181	43	14	households	household	NOUN
fsr-3181	43	15	to	to	PART
fsr-3181	43	16	enhance	enhance	VERB
fsr-3181	43	17	their	their	PRON
fsr-3181	43	18	overall	overall	ADJ
fsr-3181	43	19	financial	financial	ADJ
fsr-3181	43	20	planning	planning	NOUN
fsr-3181	43	21	strategies	strategy	NOUN
fsr-3181	43	22	.	.	PUNCT
fsr-3181	44	1	active	active	ADJ
fsr-3181	44	2	engagement	engagement	NOUN
fsr-3181	44	3	in	in	ADP
fsr-3181	44	4	portfolio	portfolio	NOUN
fsr-3181	44	5	allocation	allocation	NOUN
fsr-3181	44	6	is	be	AUX
fsr-3181	44	7	expected	expect	VERB
fsr-3181	44	8	to	to	PART
fsr-3181	44	9	empower	empower	VERB
fsr-3181	44	10	households	household	NOUN
fsr-3181	44	11	with	with	ADP
fsr-3181	44	12	betterinformed	betterinformed	ADJ
fsr-3181	44	13	financial	financial	ADJ
fsr-3181	44	14	decisions	decision	NOUN
fsr-3181	44	15	,	,	PUNCT
fsr-3181	44	16	insights	insight	NOUN
fsr-3181	44	17	into	into	ADP
fsr-3181	44	18	diverse	diverse	ADJ
fsr-3181	44	19	investment	investment	NOUN
fsr-3181	44	20	opportunities	opportunity	NOUN
fsr-3181	44	21	,	,	PUNCT
fsr-3181	44	22	and	and	CCONJ
fsr-3181	44	23	a	a	DET
fsr-3181	44	24	deeper	deep	ADJ
fsr-3181	44	25	comprehension	comprehension	NOUN
fsr-3181	44	26	of	of	ADP
fsr-3181	44	27	overall	overall	ADJ
fsr-3181	44	28	household	household	NOUN
fsr-3181	44	29	financial	financial	ADJ
fsr-3181	44	30	planning	planning	NOUN
fsr-3181	44	31	.	.	PUNCT
fsr-3181	45	1	additionally	additionally	ADV
fsr-3181	45	2	,	,	PUNCT
fsr-3181	45	3	our	our	PRON
fsr-3181	45	4	study	study	NOUN
fsr-3181	45	5	contributes	contribute	VERB
fsr-3181	45	6	to	to	ADP
fsr-3181	45	7	the	the	DET
fsr-3181	45	8	existing	exist	VERB
fsr-3181	45	9	literature	literature	NOUN
fsr-3181	45	10	by	by	ADP
fsr-3181	45	11	highlighting	highlight	VERB
fsr-3181	45	12	a	a	DET
fsr-3181	45	13	distinction	distinction	NOUN
fsr-3181	45	14	of	of	ADP
fsr-3181	45	15	life	life	NOUN
fsr-3181	45	16	insurance	insurance	NOUN
fsr-3181	45	17	demand	demand	NOUN
fsr-3181	45	18	based	base	VERB
fsr-3181	45	19	on	on	ADP
fsr-3181	45	20	type	type	NOUN
fsr-3181	45	21	.	.	PUNCT
fsr-3181	46	1	we	we	PRON
fsr-3181	46	2	distinguish	distinguish	VERB
fsr-3181	46	3	between	between	ADP
fsr-3181	46	4	term	term	NOUN
fsr-3181	46	5	life	life	NOUN
fsr-3181	46	6	insurance	insurance	NOUN
fsr-3181	46	7	,	,	PUNCT
fsr-3181	46	8	primarily	primarily	ADV
fsr-3181	46	9	designed	design	VERB
fsr-3181	46	10	as	as	ADP
fsr-3181	46	11	a	a	DET
fsr-3181	46	12	pure	pure	ADJ
fsr-3181	46	13	safeguard	safeguard	NOUN
fsr-3181	46	14	against	against	ADP
fsr-3181	46	15	potential	potential	ADJ
fsr-3181	46	16	future	future	ADJ
fsr-3181	46	17	income	income	NOUN
fsr-3181	46	18	loss	loss	NOUN
fsr-3181	46	19	,	,	PUNCT
fsr-3181	46	20	and	and	CCONJ
fsr-3181	46	21	whole	whole	ADJ
fsr-3181	46	22	life	life	NOUN
fsr-3181	46	23	insurance	insurance	NOUN
fsr-3181	46	24	,	,	PUNCT
fsr-3181	46	25	which	which	PRON
fsr-3181	46	26	provides	provide	VERB
fsr-3181	46	27	an	an	DET
fsr-3181	46	28	additional	additional	ADJ
fsr-3181	46	29	vehicle	vehicle	NOUN
fsr-3181	46	30	for	for	ADP
fsr-3181	46	31	investment	investment	NOUN
fsr-3181	46	32	and	and	CCONJ
fsr-3181	46	33	wang	wang	PROPN
fsr-3181	46	34	et	et	PROPN
fsr-3181	46	35	al	al	PROPN
fsr-3181	46	36	.	.	PROPN
fsr-3181	46	37	3	3	NUM
fsr-3181	46	38	tax	tax	NOUN
fsr-3181	46	39	-	-	PUNCT
fsr-3181	46	40	efficient	efficient	ADJ
fsr-3181	46	41	asset	asset	NOUN
fsr-3181	46	42	accumulation	accumulation	NOUN
fsr-3181	46	43	.	.	PUNCT
fsr-3181	47	1	notably	notably	ADV
fsr-3181	47	2	,	,	PUNCT
fsr-3181	47	3	prior	prior	ADJ
fsr-3181	47	4	research	research	NOUN
fsr-3181	47	5	has	have	AUX
fsr-3181	47	6	emphasized	emphasize	VERB
fsr-3181	47	7	the	the	DET
fsr-3181	47	8	importance	importance	NOUN
fsr-3181	47	9	of	of	ADP
fsr-3181	47	10	treating	treat	VERB
fsr-3181	47	11	the	the	DET
fsr-3181	47	12	purpose	purpose	NOUN
fsr-3181	47	13	and	and	CCONJ
fsr-3181	47	14	features	feature	NOUN
fsr-3181	47	15	of	of	ADP
fsr-3181	47	16	term	term	NOUN
fsr-3181	47	17	life	life	NOUN
fsr-3181	47	18	insurance	insurance	NOUN
fsr-3181	47	19	differently	differently	ADV
fsr-3181	47	20	from	from	ADP
fsr-3181	47	21	those	those	PRON
fsr-3181	47	22	of	of	ADP
fsr-3181	47	23	whole	whole	ADJ
fsr-3181	47	24	life	life	NOUN
fsr-3181	47	25	insurance	insurance	NOUN
fsr-3181	47	26	(	(	PUNCT
fsr-3181	47	27	lin	lin	PROPN
fsr-3181	47	28	&	&	CCONJ
fsr-3181	47	29	grace	grace	PROPN
fsr-3181	47	30	,	,	PUNCT
fsr-3181	47	31	2007	2007	NUM
fsr-3181	47	32	;	;	PUNCT
fsr-3181	47	33	grable	grable	PROPN
fsr-3181	47	34	,	,	PUNCT
fsr-3181	47	35	2016	2016	NUM
fsr-3181	47	36	;	;	PUNCT
fsr-3181	47	37	heo	heo	PROPN
fsr-3181	47	38	et	et	PROPN
fsr-3181	47	39	al	al	PROPN
fsr-3181	47	40	.	.	PROPN
fsr-3181	47	41	,	,	PUNCT
fsr-3181	47	42	2021	2021	NUM
fsr-3181	47	43	)	)	PUNCT
fsr-3181	47	44	.	.	PUNCT
fsr-3181	48	1	moreover	moreover	ADV
fsr-3181	48	2	,	,	PUNCT
fsr-3181	48	3	our	our	PRON
fsr-3181	48	4	study	study	NOUN
fsr-3181	48	5	makes	make	VERB
fsr-3181	48	6	a	a	DET
fsr-3181	48	7	valuable	valuable	ADJ
fsr-3181	48	8	contribution	contribution	NOUN
fsr-3181	48	9	to	to	ADP
fsr-3181	48	10	the	the	DET
fsr-3181	48	11	existing	exist	VERB
fsr-3181	48	12	literature	literature	NOUN
fsr-3181	48	13	by	by	ADP
fsr-3181	48	14	utilizing	utilize	VERB
fsr-3181	48	15	panel	panel	NOUN
fsr-3181	48	16	data	datum	NOUN
fsr-3181	48	17	to	to	PART
fsr-3181	48	18	explore	explore	VERB
fsr-3181	48	19	the	the	DET
fsr-3181	48	20	dynamics	dynamic	NOUN
fsr-3181	48	21	of	of	ADP
fsr-3181	48	22	life	life	NOUN
fsr-3181	48	23	insurance	insurance	NOUN
fsr-3181	48	24	demand	demand	NOUN
fsr-3181	48	25	.	.	PUNCT
fsr-3181	49	1	liebenberg	liebenberg	ADV
fsr-3181	49	2	et	et	PROPN
fsr-3181	49	3	al	al	PROPN
fsr-3181	49	4	.	.	PROPN
fsr-3181	50	1	(	(	PUNCT
fsr-3181	50	2	2012	2012	NUM
fsr-3181	50	3	)	)	PUNCT
fsr-3181	50	4	suggest	suggest	VERB
fsr-3181	50	5	that	that	SCONJ
fsr-3181	50	6	a	a	DET
fsr-3181	50	7	dynamic	dynamic	ADJ
fsr-3181	50	8	analysis	analysis	NOUN
fsr-3181	50	9	based	base	VERB
fsr-3181	50	10	on	on	ADP
fsr-3181	50	11	panel	panel	NOUN
fsr-3181	50	12	data	datum	NOUN
fsr-3181	50	13	may	may	AUX
fsr-3181	50	14	provide	provide	VERB
fsr-3181	50	15	the	the	DET
fsr-3181	50	16	basis	basis	NOUN
fsr-3181	50	17	for	for	ADP
fsr-3181	50	18	a	a	DET
fsr-3181	50	19	better	well	ADJ
fsr-3181	50	20	understanding	understanding	NOUN
fsr-3181	50	21	of	of	ADP
fsr-3181	50	22	the	the	DET
fsr-3181	50	23	determinants	determinant	NOUN
fsr-3181	50	24	for	for	ADP
fsr-3181	50	25	life	life	NOUN
fsr-3181	50	26	insurance	insurance	NOUN
fsr-3181	50	27	demand	demand	NOUN
fsr-3181	50	28	.	.	PUNCT
fsr-3181	51	1	using	use	VERB
fsr-3181	51	2	the	the	DET
fsr-3181	51	3	2007	2007	NUM
fsr-3181	51	4	-	-	SYM
fsr-3181	51	5	2009	2009	NUM
fsr-3181	51	6	scf	scf	PROPN
fsr-3181	51	7	panel	panel	NOUN
fsr-3181	51	8	data	datum	NOUN
fsr-3181	51	9	,	,	PUNCT
fsr-3181	51	10	our	our	PRON
fsr-3181	51	11	paper	paper	NOUN
fsr-3181	51	12	investigates	investigate	VERB
fsr-3181	51	13	the	the	DET
fsr-3181	51	14	impact	impact	NOUN
fsr-3181	51	15	of	of	ADP
fsr-3181	51	16	changes	change	NOUN
fsr-3181	51	17	in	in	ADP
fsr-3181	51	18	household	household	NOUN
fsr-3181	51	19	portfolio	portfolio	NOUN
fsr-3181	51	20	allocation	allocation	NOUN
fsr-3181	51	21	decisions	decision	NOUN
fsr-3181	51	22	on	on	ADP
fsr-3181	51	23	life	life	NOUN
fsr-3181	51	24	insurance	insurance	NOUN
fsr-3181	51	25	ownership	ownership	NOUN
fsr-3181	51	26	and	and	CCONJ
fsr-3181	51	27	coverage	coverage	NOUN
fsr-3181	51	28	decisions	decision	NOUN
fsr-3181	51	29	in	in	ADP
fsr-3181	51	30	a	a	DET
fsr-3181	51	31	dynamic	dynamic	ADJ
fsr-3181	51	32	setting	setting	NOUN
fsr-3181	51	33	.	.	PUNCT
fsr-3181	52	1	specifically	specifically	ADV
fsr-3181	52	2	,	,	PUNCT
fsr-3181	52	3	life	life	NOUN
fsr-3181	52	4	insurance	insurance	NOUN
fsr-3181	52	5	ownership	ownership	NOUN
fsr-3181	52	6	decisions	decision	NOUN
fsr-3181	52	7	examined	examine	VERB
fsr-3181	52	8	in	in	ADP
fsr-3181	52	9	this	this	DET
fsr-3181	52	10	paper	paper	NOUN
fsr-3181	52	11	include	include	VERB
fsr-3181	52	12	initiating	initiate	VERB
fsr-3181	52	13	,	,	PUNCT
fsr-3181	52	14	increasing	increase	VERB
fsr-3181	52	15	,	,	PUNCT
fsr-3181	52	16	decreasing	decreasing	NOUN
fsr-3181	52	17	,	,	PUNCT
fsr-3181	52	18	and	and	CCONJ
fsr-3181	52	19	dropping	drop	VERB
fsr-3181	52	20	life	life	NOUN
fsr-3181	52	21	insurance	insurance	NOUN
fsr-3181	52	22	holdings	holding	NOUN
fsr-3181	52	23	,	,	PUNCT
fsr-3181	52	24	and	and	CCONJ
fsr-3181	52	25	the	the	DET
fsr-3181	52	26	dollar	dollar	NOUN
fsr-3181	52	27	amount	amount	NOUN
fsr-3181	52	28	of	of	ADP
fsr-3181	52	29	these	these	DET
fsr-3181	52	30	changes	change	NOUN
fsr-3181	52	31	are	be	AUX
fsr-3181	52	32	included	include	VERB
fsr-3181	52	33	in	in	ADP
fsr-3181	52	34	life	life	NOUN
fsr-3181	52	35	insurance	insurance	NOUN
fsr-3181	52	36	coverage	coverage	NOUN
fsr-3181	52	37	decisions	decision	NOUN
fsr-3181	52	38	(	(	PUNCT
fsr-3181	52	39	also	also	ADV
fsr-3181	52	40	see	see	VERB
fsr-3181	52	41	liebenberg	liebenberg	ADV
fsr-3181	52	42	et	et	PROPN
fsr-3181	52	43	al	al	PROPN
fsr-3181	52	44	.	.	PROPN
fsr-3181	52	45	,	,	PUNCT
fsr-3181	52	46	2012	2012	NUM
fsr-3181	52	47	;	;	PUNCT
fsr-3181	52	48	wang	wang	PROPN
fsr-3181	52	49	,	,	PUNCT
fsr-3181	52	50	2023	2023	NUM
fsr-3181	52	51	)	)	PUNCT
fsr-3181	52	52	.	.	PUNCT
fsr-3181	53	1	household	household	NOUN
fsr-3181	53	2	portfolio	portfolio	NOUN
fsr-3181	53	3	allocation	allocation	NOUN
fsr-3181	53	4	decisions	decision	NOUN
fsr-3181	53	5	include	include	VERB
fsr-3181	53	6	the	the	DET
fsr-3181	53	7	decisions	decision	NOUN
fsr-3181	53	8	of	of	ADP
fsr-3181	53	9	debt	debt	NOUN
fsr-3181	53	10	repayment	repayment	NOUN
fsr-3181	53	11	and	and	CCONJ
fsr-3181	53	12	investment	investment	NOUN
fsr-3181	53	13	in	in	ADP
fsr-3181	53	14	cash	cash	NOUN
fsr-3181	53	15	and	and	CCONJ
fsr-3181	53	16	cash	cash	NOUN
fsr-3181	53	17	equivalents	equivalent	NOUN
fsr-3181	53	18	,	,	PUNCT
fsr-3181	53	19	bonds	bond	NOUN
fsr-3181	53	20	,	,	PUNCT
fsr-3181	53	21	stock	stock	NOUN
fsr-3181	53	22	,	,	PUNCT
fsr-3181	53	23	and	and	CCONJ
fsr-3181	53	24	retirement	retirement	NOUN
fsr-3181	53	25	assets	asset	NOUN
fsr-3181	53	26	.	.	PUNCT
fsr-3181	54	1	we	we	PRON
fsr-3181	54	2	apply	apply	VERB
fsr-3181	54	3	a	a	DET
fsr-3181	54	4	two	two	NUM
fsr-3181	54	5	-	-	PUNCT
fsr-3181	54	6	part	part	NOUN
fsr-3181	54	7	cragg	cragg	NOUN
fsr-3181	54	8	model	model	NOUN
fsr-3181	54	9	with	with	ADP
fsr-3181	54	10	probit	probit	NOUN
fsr-3181	54	11	and	and	CCONJ
fsr-3181	54	12	truncated	truncated	ADJ
fsr-3181	54	13	regressions	regression	NOUN
fsr-3181	54	14	to	to	PART
fsr-3181	54	15	identify	identify	VERB
fsr-3181	54	16	the	the	DET
fsr-3181	54	17	variables	variable	NOUN
fsr-3181	54	18	that	that	PRON
fsr-3181	54	19	significantly	significantly	ADV
fsr-3181	54	20	impact	impact	VERB
fsr-3181	54	21	life	life	NOUN
fsr-3181	54	22	insurance	insurance	NOUN
fsr-3181	54	23	ownership	ownership	NOUN
fsr-3181	54	24	and	and	CCONJ
fsr-3181	54	25	coverage	coverage	NOUN
fsr-3181	54	26	decisions	decision	NOUN
fsr-3181	54	27	.	.	PUNCT
fsr-3181	55	1	lastly	lastly	ADV
fsr-3181	55	2	,	,	PUNCT
fsr-3181	55	3	our	our	PRON
fsr-3181	55	4	analysis	analysis	NOUN
fsr-3181	55	5	is	be	AUX
fsr-3181	55	6	based	base	VERB
fsr-3181	55	7	on	on	ADP
fsr-3181	55	8	the	the	DET
fsr-3181	55	9	context	context	NOUN
fsr-3181	55	10	of	of	ADP
fsr-3181	55	11	the	the	DET
fsr-3181	55	12	2008	2008	NUM
fsr-3181	55	13	financial	financial	ADJ
fsr-3181	55	14	crisis	crisis	NOUN
fsr-3181	55	15	period	period	NOUN
fsr-3181	55	16	,	,	PUNCT
fsr-3181	55	17	which	which	PRON
fsr-3181	55	18	provides	provide	VERB
fsr-3181	55	19	valuable	valuable	ADJ
fsr-3181	55	20	insights	insight	NOUN
fsr-3181	55	21	into	into	ADP
fsr-3181	55	22	household	household	NOUN
fsr-3181	55	23	portfolio	portfolio	NOUN
fsr-3181	55	24	decision	decision	NOUN
fsr-3181	55	25	-	-	PUNCT
fsr-3181	55	26	making	making	NOUN
fsr-3181	55	27	in	in	ADP
fsr-3181	55	28	response	response	NOUN
fsr-3181	55	29	to	to	ADP
fsr-3181	55	30	business	business	NOUN
fsr-3181	55	31	cycles	cycle	NOUN
fsr-3181	55	32	.	.	PUNCT
fsr-3181	56	1	bricker	bricker	NOUN
fsr-3181	56	2	et	et	PROPN
fsr-3181	56	3	al	al	PROPN
fsr-3181	56	4	.	.	PROPN
fsr-3181	57	1	(	(	PUNCT
fsr-3181	57	2	2011	2011	NUM
fsr-3181	57	3	)	)	PUNCT
fsr-3181	57	4	report	report	NOUN
fsr-3181	57	5	that	that	SCONJ
fsr-3181	57	6	during	during	ADP
fsr-3181	57	7	the	the	DET
fsr-3181	57	8	financial	financial	ADJ
fsr-3181	57	9	crisis	crisis	NOUN
fsr-3181	57	10	,	,	PUNCT
fsr-3181	57	11	the	the	DET
fsr-3181	57	12	ownership	ownership	NOUN
fsr-3181	57	13	and	and	CCONJ
fsr-3181	57	14	median	median	ADJ
fsr-3181	57	15	value	value	NOUN
fsr-3181	57	16	of	of	ADP
fsr-3181	57	17	bonds	bond	NOUN
fsr-3181	57	18	and	and	CCONJ
fsr-3181	57	19	life	life	NOUN
fsr-3181	57	20	insurance	insurance	NOUN
fsr-3181	57	21	increased	increase	VERB
fsr-3181	57	22	,	,	PUNCT
fsr-3181	57	23	while	while	SCONJ
fsr-3181	57	24	stocks	stock	NOUN
fsr-3181	57	25	experienced	experience	VERB
fsr-3181	57	26	sharp	sharp	ADJ
fsr-3181	57	27	declines	decline	NOUN
fsr-3181	57	28	in	in	ADP
fsr-3181	57	29	median	median	ADJ
fsr-3181	57	30	value	value	NOUN
fsr-3181	57	31	.	.	PUNCT
fsr-3181	58	1	the	the	DET
fsr-3181	58	2	life	life	NOUN
fsr-3181	58	3	insurance	insurance	NOUN
fsr-3181	58	4	markets	market	NOUN
fsr-3181	58	5	were	be	AUX
fsr-3181	58	6	more	more	ADV
fsr-3181	58	7	severely	severely	ADV
fsr-3181	58	8	impacted	impact	VERB
fsr-3181	58	9	by	by	ADP
fsr-3181	58	10	the	the	DET
fsr-3181	58	11	financial	financial	ADJ
fsr-3181	58	12	crisis	crisis	NOUN
fsr-3181	58	13	as	as	SCONJ
fsr-3181	58	14	they	they	PRON
fsr-3181	58	15	had	have	VERB
fsr-3181	58	16	relatively	relatively	ADV
fsr-3181	58	17	larger	large	ADJ
fsr-3181	58	18	asset	asset	NOUN
fsr-3181	58	19	portfolios	portfolio	NOUN
fsr-3181	58	20	than	than	ADP
fsr-3181	58	21	other	other	ADJ
fsr-3181	58	22	insurance	insurance	NOUN
fsr-3181	58	23	markets	market	NOUN
fsr-3181	58	24	(	(	PUNCT
fsr-3181	58	25	baranoff	baranoff	PROPN
fsr-3181	58	26	&	&	CCONJ
fsr-3181	58	27	sager	sager	PROPN
fsr-3181	58	28	,	,	PUNCT
fsr-3181	58	29	2011	2011	NUM
fsr-3181	58	30	)	)	PUNCT
fsr-3181	58	31	.	.	PUNCT
fsr-3181	59	1	our	our	PRON
fsr-3181	59	2	results	result	NOUN
fsr-3181	59	3	indicate	indicate	VERB
fsr-3181	59	4	that	that	SCONJ
fsr-3181	59	5	,	,	PUNCT
fsr-3181	59	6	during	during	ADP
fsr-3181	59	7	the	the	DET
fsr-3181	59	8	financial	financial	ADJ
fsr-3181	59	9	crisis	crisis	NOUN
fsr-3181	59	10	,	,	PUNCT
fsr-3181	59	11	the	the	DET
fsr-3181	59	12	ownership	ownership	NOUN
fsr-3181	59	13	of	of	ADP
fsr-3181	59	14	term	term	NOUN
fsr-3181	59	15	life	life	NOUN
fsr-3181	59	16	insurance	insurance	NOUN
fsr-3181	59	17	serves	serve	VERB
fsr-3181	59	18	as	as	ADP
fsr-3181	59	19	a	a	DET
fsr-3181	59	20	replacement	replacement	NOUN
fsr-3181	59	21	for	for	ADP
fsr-3181	59	22	investments	investment	NOUN
fsr-3181	59	23	in	in	ADP
fsr-3181	59	24	cash	cash	NOUN
fsr-3181	59	25	and	and	CCONJ
fsr-3181	59	26	cash	cash	NOUN
fsr-3181	59	27	equivalents	equivalent	NOUN
fsr-3181	59	28	yet	yet	ADV
fsr-3181	59	29	complements	complement	VERB
fsr-3181	59	30	investments	investment	NOUN
fsr-3181	59	31	in	in	ADP
fsr-3181	59	32	bonds	bond	NOUN
fsr-3181	59	33	.	.	PUNCT
fsr-3181	60	1	our	our	PRON
fsr-3181	60	2	results	result	NOUN
fsr-3181	60	3	also	also	ADV
fsr-3181	60	4	indicate	indicate	VERB
fsr-3181	60	5	that	that	DET
fsr-3181	60	6	term	term	NOUN
fsr-3181	60	7	(	(	PUNCT
fsr-3181	60	8	whole	whole	ADJ
fsr-3181	60	9	)	)	PUNCT
fsr-3181	60	10	life	life	NOUN
fsr-3181	60	11	insurance	insurance	NOUN
fsr-3181	60	12	ownership	ownership	NOUN
fsr-3181	60	13	is	be	AUX
fsr-3181	60	14	likely	likely	ADJ
fsr-3181	60	15	to	to	PART
fsr-3181	60	16	be	be	AUX
fsr-3181	60	17	a	a	DET
fsr-3181	60	18	complement	complement	NOUN
fsr-3181	60	19	(	(	PUNCT
fsr-3181	60	20	substitute	substitute	NOUN
fsr-3181	60	21	)	)	PUNCT
fsr-3181	60	22	rather	rather	ADV
fsr-3181	60	23	than	than	ADP
fsr-3181	60	24	a	a	DET
fsr-3181	60	25	substitute	substitute	NOUN
fsr-3181	60	26	(	(	PUNCT
fsr-3181	60	27	complement	complement	NOUN
fsr-3181	60	28	)	)	PUNCT
fsr-3181	60	29	for	for	ADP
fsr-3181	60	30	investment	investment	NOUN
fsr-3181	60	31	in	in	ADP
fsr-3181	60	32	retirement	retirement	NOUN
fsr-3181	60	33	assets	asset	NOUN
fsr-3181	60	34	.	.	PUNCT
fsr-3181	61	1	we	we	PRON
fsr-3181	61	2	also	also	ADV
fsr-3181	61	3	find	find	VERB
fsr-3181	61	4	that	that	SCONJ
fsr-3181	61	5	households	household	NOUN
fsr-3181	61	6	that	that	PRON
fsr-3181	61	7	pay	pay	VERB
fsr-3181	61	8	off	off	ADP
fsr-3181	61	9	debts	debt	NOUN
fsr-3181	61	10	are	be	AUX
fsr-3181	61	11	more	more	ADV
fsr-3181	61	12	likely	likely	ADJ
fsr-3181	61	13	to	to	PART
fsr-3181	61	14	initiate	initiate	VERB
fsr-3181	61	15	or	or	CCONJ
fsr-3181	61	16	increase	increase	VERB
fsr-3181	61	17	whole	whole	ADJ
fsr-3181	61	18	life	life	NOUN
fsr-3181	61	19	insurance	insurance	NOUN
fsr-3181	61	20	ownership	ownership	NOUN
fsr-3181	61	21	.	.	PUNCT
fsr-3181	62	1	these	these	DET
fsr-3181	62	2	findings	finding	NOUN
fsr-3181	62	3	can	can	AUX
fsr-3181	62	4	provide	provide	VERB
fsr-3181	62	5	valuable	valuable	ADJ
fsr-3181	62	6	insights	insight	NOUN
fsr-3181	62	7	for	for	ADP
fsr-3181	62	8	financial	financial	ADJ
fsr-3181	62	9	planning	planning	NOUN
fsr-3181	62	10	practitioners	practitioner	NOUN
fsr-3181	62	11	,	,	PUNCT
fsr-3181	62	12	life	life	NOUN
fsr-3181	62	13	insurance	insurance	NOUN
fsr-3181	62	14	agents	agent	NOUN
fsr-3181	62	15	,	,	PUNCT
fsr-3181	62	16	and	and	CCONJ
fsr-3181	62	17	social	social	ADJ
fsr-3181	62	18	policymakers	policymaker	NOUN
fsr-3181	62	19	,	,	PUNCT
fsr-3181	62	20	by	by	ADP
fsr-3181	62	21	guiding	guide	VERB
fsr-3181	62	22	them	they	PRON
fsr-3181	62	23	to	to	PART
fsr-3181	62	24	deliver	deliver	VERB
fsr-3181	62	25	adaptive	adaptive	ADJ
fsr-3181	62	26	and	and	CCONJ
fsr-3181	62	27	comprehensive	comprehensive	ADJ
fsr-3181	62	28	financial	financial	ADJ
fsr-3181	62	29	services	service	NOUN
fsr-3181	62	30	to	to	ADP
fsr-3181	62	31	households	household	NOUN
fsr-3181	62	32	.	.	PUNCT
fsr-3181	63	1	particularly	particularly	ADV
fsr-3181	63	2	relevant	relevant	ADJ
fsr-3181	63	3	during	during	ADP
fsr-3181	63	4	economics	economics	NOUN
fsr-3181	63	5	downtowns	downtown	NOUN
fsr-3181	63	6	,	,	PUNCT
fsr-3181	63	7	these	these	DET
fsr-3181	63	8	insights	insight	NOUN
fsr-3181	63	9	can	can	AUX
fsr-3181	63	10	assist	assist	VERB
fsr-3181	63	11	households	household	NOUN
fsr-3181	63	12	that	that	PRON
fsr-3181	63	13	are	be	AUX
fsr-3181	63	14	adjusting	adjust	VERB
fsr-3181	63	15	their	their	PRON
fsr-3181	63	16	decisions	decision	NOUN
fsr-3181	63	17	of	of	ADP
fsr-3181	63	18	portfolio	portfolio	NOUN
fsr-3181	63	19	allocation	allocation	NOUN
fsr-3181	63	20	to	to	PART
fsr-3181	63	21	align	align	VERB
fsr-3181	63	22	with	with	ADP
fsr-3181	63	23	changing	change	VERB
fsr-3181	63	24	situations	situation	NOUN
fsr-3181	63	25	.	.	PUNCT
fsr-3181	64	1	the	the	DET
fsr-3181	64	2	remainder	remainder	NOUN
fsr-3181	64	3	of	of	ADP
fsr-3181	64	4	the	the	DET
fsr-3181	64	5	article	article	NOUN
fsr-3181	64	6	is	be	AUX
fsr-3181	64	7	organized	organize	VERB
fsr-3181	64	8	as	as	SCONJ
fsr-3181	64	9	follows	follow	VERB
fsr-3181	64	10	.	.	PUNCT
fsr-3181	65	1	section	section	NOUN
fsr-3181	65	2	2	2	NUM
fsr-3181	65	3	provides	provide	VERB
fsr-3181	65	4	a	a	DET
fsr-3181	65	5	further	further	ADJ
fsr-3181	65	6	literature	literature	NOUN
fsr-3181	65	7	review	review	NOUN
fsr-3181	65	8	of	of	ADP
fsr-3181	65	9	the	the	DET
fsr-3181	65	10	demand	demand	NOUN
fsr-3181	65	11	for	for	ADP
fsr-3181	65	12	life	life	NOUN
fsr-3181	65	13	insurance	insurance	NOUN
fsr-3181	65	14	.	.	PUNCT
fsr-3181	66	1	section	section	NOUN
fsr-3181	66	2	3	3	NUM
fsr-3181	66	3	outlines	outline	VERB
fsr-3181	66	4	the	the	DET
fsr-3181	66	5	methodology	methodology	NOUN
fsr-3181	66	6	used	use	VERB
fsr-3181	66	7	to	to	PART
fsr-3181	66	8	examine	examine	VERB
fsr-3181	66	9	the	the	DET
fsr-3181	66	10	impact	impact	NOUN
fsr-3181	66	11	of	of	ADP
fsr-3181	66	12	household	household	NOUN
fsr-3181	66	13	portfolio	portfolio	NOUN
fsr-3181	66	14	allocation	allocation	NOUN
fsr-3181	66	15	decisions	decision	NOUN
fsr-3181	66	16	on	on	ADP
fsr-3181	66	17	life	life	NOUN
fsr-3181	66	18	insurance	insurance	NOUN
fsr-3181	66	19	demand	demand	NOUN
fsr-3181	66	20	in	in	ADP
fsr-3181	66	21	the	the	DET
fsr-3181	66	22	2008	2008	NUM
fsr-3181	66	23	financial	financial	ADJ
fsr-3181	66	24	crisis	crisis	NOUN
fsr-3181	66	25	,	,	PUNCT
fsr-3181	66	26	using	use	VERB
fsr-3181	66	27	panel	panel	NOUN
fsr-3181	66	28	data	datum	NOUN
fsr-3181	66	29	.	.	PUNCT
fsr-3181	67	1	section	section	NOUN
fsr-3181	67	2	4	4	NUM
fsr-3181	67	3	presents	present	NOUN
fsr-3181	67	4	summary	summary	NOUN
fsr-3181	67	5	statistics	statistic	NOUN
fsr-3181	67	6	of	of	ADP
fsr-3181	67	7	the	the	DET
fsr-3181	67	8	data	datum	NOUN
fsr-3181	67	9	and	and	CCONJ
fsr-3181	67	10	empirical	empirical	ADJ
fsr-3181	67	11	results	result	NOUN
fsr-3181	67	12	.	.	PUNCT
fsr-3181	68	1	finally	finally	ADV
fsr-3181	68	2	,	,	PUNCT
fsr-3181	68	3	section	section	NOUN
fsr-3181	68	4	5	5	NUM
fsr-3181	68	5	concludes	conclude	VERB
fsr-3181	68	6	the	the	DET
fsr-3181	68	7	study	study	NOUN
fsr-3181	68	8	and	and	CCONJ
fsr-3181	68	9	discusses	discuss	VERB
fsr-3181	68	10	further	further	ADJ
fsr-3181	68	11	implications	implication	NOUN
fsr-3181	68	12	for	for	ADP
fsr-3181	68	13	financial	financial	ADJ
fsr-3181	68	14	practitioners	practitioner	NOUN
fsr-3181	68	15	and	and	CCONJ
fsr-3181	68	16	agents	agent	NOUN
fsr-3181	68	17	.	.	PUNCT
fsr-3181	69	1	literature	literature	PROPN
fsr-3181	69	2	review	review	PROPN
fsr-3181	69	3	prior	prior	ADJ
fsr-3181	69	4	research	research	NOUN
fsr-3181	69	5	has	have	AUX
fsr-3181	69	6	examined	examine	VERB
fsr-3181	69	7	how	how	SCONJ
fsr-3181	69	8	household	household	NOUN
fsr-3181	69	9	demographic	demographic	ADJ
fsr-3181	69	10	characteristics	characteristic	NOUN
fsr-3181	69	11	and	and	CCONJ
fsr-3181	69	12	economic	economic	ADJ
fsr-3181	69	13	status	status	NOUN
fsr-3181	69	14	influence	influence	VERB
fsr-3181	69	15	the	the	DET
fsr-3181	69	16	demand	demand	NOUN
fsr-3181	69	17	for	for	ADP
fsr-3181	69	18	life	life	NOUN
fsr-3181	69	19	insurance	insurance	NOUN
fsr-3181	69	20	(	(	PUNCT
fsr-3181	69	21	ferber	ferber	PROPN
fsr-3181	69	22	&	&	CCONJ
fsr-3181	69	23	lee	lee	PROPN
fsr-3181	69	24	,	,	PUNCT
fsr-3181	69	25	1980	1980	NUM
fsr-3181	69	26	;	;	PUNCT
fsr-3181	69	27	miller	miller	PROPN
fsr-3181	69	28	,	,	PUNCT
fsr-3181	69	29	1985	1985	NUM
fsr-3181	69	30	;	;	PUNCT
fsr-3181	69	31	bernheim	bernheim	NOUN
fsr-3181	69	32	,	,	PUNCT
fsr-3181	69	33	1991	1991	NUM
fsr-3181	69	34	;	;	PUNCT
fsr-3181	69	35	lin	lin	PROPN
fsr-3181	69	36	&	&	CCONJ
fsr-3181	69	37	grace	grace	PROPN
fsr-3181	69	38	,	,	PUNCT
fsr-3181	69	39	2007	2007	NUM
fsr-3181	69	40	;	;	PUNCT
fsr-3181	69	41	inkmann	inkmann	PROPN
fsr-3181	69	42	&	&	CCONJ
fsr-3181	69	43	michaelides	michaelide	NOUN
fsr-3181	69	44	,	,	PUNCT
fsr-3181	69	45	2012	2012	NUM
fsr-3181	69	46	;	;	PUNCT
fsr-3181	69	47	luciano	luciano	PROPN
fsr-3181	69	48	et	et	PROPN
fsr-3181	69	49	al	al	PROPN
fsr-3181	69	50	.	.	PROPN
fsr-3181	69	51	,	,	PUNCT
fsr-3181	69	52	2016	2016	NUM
fsr-3181	69	53	;	;	PUNCT
fsr-3181	69	54	wang	wang	PROPN
fsr-3181	69	55	,	,	PUNCT
fsr-3181	69	56	2019	2019	NUM
fsr-3181	69	57	)	)	PUNCT
fsr-3181	69	58	.	.	PUNCT
fsr-3181	70	1	the	the	DET
fsr-3181	70	2	results	result	NOUN
fsr-3181	70	3	of	of	ADP
fsr-3181	70	4	these	these	DET
fsr-3181	70	5	studies	study	NOUN
fsr-3181	70	6	have	have	AUX
fsr-3181	70	7	been	be	AUX
fsr-3181	70	8	mixed	mix	VERB
fsr-3181	70	9	in	in	ADP
fsr-3181	70	10	terms	term	NOUN
fsr-3181	70	11	of	of	ADP
fsr-3181	70	12	financial	financial	ADJ
fsr-3181	70	13	assets	asset	NOUN
fsr-3181	70	14	,	,	PUNCT
fsr-3181	70	15	wealth	wealth	NOUN
fsr-3181	70	16	,	,	PUNCT
fsr-3181	70	17	and	and	CCONJ
fsr-3181	70	18	retirement	retirement	NOUN
fsr-3181	70	19	,	,	PUNCT
fsr-3181	70	20	as	as	SCONJ
fsr-3181	70	21	noted	note	VERB
fsr-3181	70	22	by	by	ADP
fsr-3181	70	23	hau	hau	PROPN
fsr-3181	70	24	(	(	PUNCT
fsr-3181	70	25	2000	2000	NUM
fsr-3181	70	26	)	)	PUNCT
fsr-3181	70	27	,	,	PUNCT
fsr-3181	70	28	zietz	zietz	NOUN
fsr-3181	70	29	(	(	PUNCT
fsr-3181	70	30	2003	2003	NUM
fsr-3181	70	31	)	)	PUNCT
fsr-3181	70	32	,	,	PUNCT
fsr-3181	70	33	and	and	CCONJ
fsr-3181	70	34	outreville	outreville	NOUN
fsr-3181	70	35	(	(	PUNCT
fsr-3181	70	36	2014	2014	NUM
fsr-3181	70	37	)	)	PUNCT
fsr-3181	70	38	.	.	PUNCT
fsr-3181	71	1	grable	grable	NOUN
fsr-3181	71	2	(	(	PUNCT
fsr-3181	71	3	2016	2016	NUM
fsr-3181	71	4	)	)	PUNCT
fsr-3181	71	5	and	and	CCONJ
fsr-3181	71	6	heo	heo	PROPN
fsr-3181	71	7	and	and	CCONJ
fsr-3181	71	8	grable	grable	PROPN
fsr-3181	71	9	(	(	PUNCT
fsr-3181	71	10	2017	2017	NUM
fsr-3181	71	11	)	)	PUNCT
fsr-3181	71	12	suggest	suggest	VERB
fsr-3181	71	13	that	that	SCONJ
fsr-3181	71	14	if	if	SCONJ
fsr-3181	71	15	a	a	DET
fsr-3181	71	16	financial	financial	ADJ
fsr-3181	71	17	planner	planner	NOUN
fsr-3181	71	18	leans	lean	VERB
fsr-3181	71	19	only	only	ADV
fsr-3181	71	20	on	on	ADP
fsr-3181	71	21	the	the	DET
fsr-3181	71	22	functional	functional	ADJ
fsr-3181	71	23	characteristics	characteristic	NOUN
fsr-3181	71	24	of	of	ADP
fsr-3181	71	25	life	life	NOUN
fsr-3181	71	26	insurance	insurance	NOUN
fsr-3181	71	27	purchases	purchase	NOUN
fsr-3181	71	28	,	,	PUNCT
fsr-3181	71	29	the	the	DET
fsr-3181	71	30	consumer	consumer	NOUN
fsr-3181	71	31	’s	’s	PART
fsr-3181	71	32	needs	need	NOUN
fsr-3181	71	33	may	may	AUX
fsr-3181	71	34	ultimately	ultimately	ADV
fsr-3181	71	35	not	not	PART
fsr-3181	71	36	be	be	AUX
fsr-3181	71	37	fulfilled	fulfil	VERB
fsr-3181	71	38	.	.	PUNCT
fsr-3181	72	1	meanwhile	meanwhile	ADV
fsr-3181	72	2	,	,	PUNCT
fsr-3181	72	3	heo	heo	PROPN
fsr-3181	72	4	(	(	PUNCT
fsr-3181	72	5	2020	2020	NUM
fsr-3181	72	6	)	)	PUNCT
fsr-3181	72	7	and	and	CCONJ
fsr-3181	72	8	heo	heo	PROPN
fsr-3181	72	9	et	et	PROPN
fsr-3181	72	10	al	al	PROPN
fsr-3181	72	11	.	.	PROPN
fsr-3181	73	1	(	(	PUNCT
fsr-3181	73	2	2021	2021	NUM
fsr-3181	73	3	)	)	PUNCT
fsr-3181	73	4	examine	examine	VERB
fsr-3181	73	5	the	the	DET
fsr-3181	73	6	factors	factor	NOUN
fsr-3181	73	7	related	relate	VERB
fsr-3181	73	8	to	to	ADP
fsr-3181	73	9	life	life	NOUN
fsr-3181	73	10	insurance	insurance	NOUN
fsr-3181	73	11	ownership	ownership	NOUN
fsr-3181	73	12	by	by	ADP
fsr-3181	73	13	type	type	NOUN
fsr-3181	73	14	,	,	PUNCT
fsr-3181	73	15	focusing	focus	VERB
fsr-3181	73	16	on	on	ADP
fsr-3181	73	17	the	the	DET
fsr-3181	73	18	role	role	NOUN
fsr-3181	73	19	of	of	ADP
fsr-3181	73	20	financial	financial	ADJ
fsr-3181	73	21	status	status	NOUN
fsr-3181	73	22	characteristics	characteristic	NOUN
fsr-3181	73	23	,	,	PUNCT
fsr-3181	73	24	psychological	psychological	ADJ
fsr-3181	73	25	characteristics	characteristic	NOUN
fsr-3181	73	26	,	,	PUNCT
fsr-3181	73	27	and	and	CCONJ
fsr-3181	73	28	demographic	demographic	ADJ
fsr-3181	73	29	characteristics	characteristic	NOUN
fsr-3181	73	30	.	.	PUNCT
fsr-3181	74	1	hau	hau	NOUN
fsr-3181	74	2	(	(	PUNCT
fsr-3181	74	3	2000	2000	NUM
fsr-3181	74	4	)	)	PUNCT
fsr-3181	74	5	particularly	particularly	ADV
fsr-3181	74	6	highlights	highlight	NOUN
fsr-3181	74	7	that	that	SCONJ
fsr-3181	74	8	financial	financial	ADJ
fsr-3181	74	9	portfolios	portfolio	NOUN
fsr-3181	74	10	may	may	AUX
fsr-3181	74	11	have	have	VERB
fsr-3181	74	12	a	a	DET
fsr-3181	74	13	greater	great	ADJ
fsr-3181	74	14	influence	influence	NOUN
fsr-3181	74	15	than	than	ADP
fsr-3181	74	16	household	household	NOUN
fsr-3181	74	17	demographic	demographic	ADJ
fsr-3181	74	18	characteristics	characteristic	NOUN
fsr-3181	74	19	in	in	ADP
fsr-3181	74	20	shaping	shape	VERB
fsr-3181	74	21	the	the	DET
fsr-3181	74	22	demand	demand	NOUN
fsr-3181	74	23	for	for	ADP
fsr-3181	74	24	life	life	NOUN
fsr-3181	74	25	insurance	insurance	NOUN
fsr-3181	74	26	.	.	PUNCT
fsr-3181	75	1	it	it	PRON
fsr-3181	75	2	is	be	AUX
fsr-3181	75	3	evident	evident	ADJ
fsr-3181	75	4	in	in	ADP
fsr-3181	75	5	literature	literature	NOUN
fsr-3181	75	6	that	that	SCONJ
fsr-3181	75	7	the	the	DET
fsr-3181	75	8	allocation	allocation	NOUN
fsr-3181	75	9	of	of	ADP
fsr-3181	75	10	financial	financial	ADJ
fsr-3181	75	11	services	service	NOUN
fsr-3181	75	12	review	review	NOUN
fsr-3181	75	13	,	,	PUNCT
fsr-3181	75	14	32(1	32(1	NUM
fsr-3181	75	15	)	)	PUNCT
fsr-3181	75	16	4	4	NUM
fsr-3181	75	17	financial	financial	ADJ
fsr-3181	75	18	assets	asset	NOUN
fsr-3181	75	19	can	can	AUX
fsr-3181	75	20	have	have	VERB
fsr-3181	75	21	an	an	DET
fsr-3181	75	22	impact	impact	NOUN
fsr-3181	75	23	on	on	ADP
fsr-3181	75	24	the	the	DET
fsr-3181	75	25	demand	demand	NOUN
fsr-3181	75	26	for	for	ADP
fsr-3181	75	27	life	life	NOUN
fsr-3181	75	28	insurance	insurance	NOUN
fsr-3181	75	29	.	.	PUNCT
fsr-3181	76	1	for	for	ADP
fsr-3181	76	2	instance	instance	NOUN
fsr-3181	76	3	,	,	PUNCT
fsr-3181	76	4	fortune	fortune	NOUN
fsr-3181	76	5	(	(	PUNCT
fsr-3181	76	6	1973	1973	NUM
fsr-3181	76	7	)	)	PUNCT
fsr-3181	76	8	indicates	indicate	VERB
fsr-3181	76	9	that	that	SCONJ
fsr-3181	76	10	life	life	NOUN
fsr-3181	76	11	insurance	insurance	NOUN
fsr-3181	76	12	is	be	AUX
fsr-3181	76	13	a	a	DET
fsr-3181	76	14	substitute	substitute	NOUN
fsr-3181	76	15	for	for	ADP
fsr-3181	76	16	primary	primary	ADJ
fsr-3181	76	17	financial	financial	ADJ
fsr-3181	76	18	assets	asset	NOUN
fsr-3181	76	19	.	.	PUNCT
fsr-3181	77	1	households	household	NOUN
fsr-3181	77	2	may	may	AUX
fsr-3181	77	3	invest	invest	VERB
fsr-3181	77	4	more	more	ADV
fsr-3181	77	5	in	in	ADP
fsr-3181	77	6	primary	primary	ADJ
fsr-3181	77	7	financial	financial	ADJ
fsr-3181	77	8	assets	asset	NOUN
fsr-3181	77	9	during	during	ADP
fsr-3181	77	10	bullish	bullish	ADJ
fsr-3181	77	11	financial	financial	ADJ
fsr-3181	77	12	markets	market	NOUN
fsr-3181	77	13	,	,	PUNCT
fsr-3181	77	14	depressing	depress	VERB
fsr-3181	77	15	the	the	DET
fsr-3181	77	16	flow	flow	NOUN
fsr-3181	77	17	into	into	ADP
fsr-3181	77	18	life	life	NOUN
fsr-3181	77	19	insurance	insurance	NOUN
fsr-3181	77	20	.	.	PUNCT
fsr-3181	78	1	headen	headen	ADJ
fsr-3181	78	2	and	and	CCONJ
fsr-3181	78	3	lee	lee	PROPN
fsr-3181	78	4	(	(	PUNCT
fsr-3181	78	5	1974	1974	NUM
fsr-3181	78	6	)	)	PUNCT
fsr-3181	78	7	propose	propose	VERB
fsr-3181	78	8	a	a	DET
fsr-3181	78	9	household	household	NOUN
fsr-3181	78	10	portfolio	portfolio	NOUN
fsr-3181	78	11	model	model	NOUN
fsr-3181	78	12	with	with	ADP
fsr-3181	78	13	four	four	NUM
fsr-3181	78	14	interrelated	interrelated	ADJ
fsr-3181	78	15	components	component	NOUN
fsr-3181	78	16	,	,	PUNCT
fsr-3181	78	17	including	include	VERB
fsr-3181	78	18	primary	primary	ADJ
fsr-3181	78	19	securities	security	NOUN
fsr-3181	78	20	,	,	PUNCT
fsr-3181	78	21	cash	cash	NOUN
fsr-3181	78	22	and	and	CCONJ
fsr-3181	78	23	cash	cash	NOUN
fsr-3181	78	24	equivalents	equivalent	NOUN
fsr-3181	78	25	,	,	PUNCT
fsr-3181	78	26	savings	saving	NOUN
fsr-3181	78	27	,	,	PUNCT
fsr-3181	78	28	and	and	CCONJ
fsr-3181	78	29	life	life	NOUN
fsr-3181	78	30	insurance	insurance	NOUN
fsr-3181	78	31	sales	sale	NOUN
fsr-3181	78	32	.	.	PUNCT
fsr-3181	79	1	their	their	PRON
fsr-3181	79	2	findings	finding	NOUN
fsr-3181	79	3	provide	provide	VERB
fsr-3181	79	4	limited	limited	ADJ
fsr-3181	79	5	evidence	evidence	NOUN
fsr-3181	79	6	that	that	SCONJ
fsr-3181	79	7	life	life	NOUN
fsr-3181	79	8	insurance	insurance	NOUN
fsr-3181	79	9	increases	increase	VERB
fsr-3181	79	10	with	with	ADP
fsr-3181	79	11	savings	saving	NOUN
fsr-3181	79	12	.	.	PUNCT
fsr-3181	80	1	ferber	ferber	PROPN
fsr-3181	80	2	and	and	CCONJ
fsr-3181	80	3	lee	lee	PROPN
fsr-3181	80	4	(	(	PUNCT
fsr-3181	80	5	1980	1980	NUM
fsr-3181	80	6	)	)	PUNCT
fsr-3181	80	7	argue	argue	VERB
fsr-3181	80	8	that	that	SCONJ
fsr-3181	80	9	the	the	DET
fsr-3181	80	10	purchase	purchase	NOUN
fsr-3181	80	11	of	of	ADP
fsr-3181	80	12	life	life	NOUN
fsr-3181	80	13	insurance	insurance	NOUN
fsr-3181	80	14	is	be	AUX
fsr-3181	80	15	determined	determine	VERB
fsr-3181	80	16	by	by	ADP
fsr-3181	80	17	household	household	NOUN
fsr-3181	80	18	spending	spending	NOUN
fsr-3181	80	19	and	and	CCONJ
fsr-3181	80	20	saving	saving	NOUN
fsr-3181	80	21	habits	habit	NOUN
fsr-3181	80	22	,	,	PUNCT
fsr-3181	80	23	financial	financial	ADJ
fsr-3181	80	24	assets	asset	NOUN
fsr-3181	80	25	,	,	PUNCT
fsr-3181	80	26	and	and	CCONJ
fsr-3181	80	27	debts	debt	NOUN
fsr-3181	80	28	.	.	PUNCT
fsr-3181	81	1	brown	brown	PROPN
fsr-3181	81	2	(	(	PUNCT
fsr-3181	81	3	1999	1999	NUM
fsr-3181	81	4	)	)	PUNCT
fsr-3181	81	5	presents	present	VERB
fsr-3181	81	6	that	that	PRON
fsr-3181	81	7	households	household	NOUN
fsr-3181	81	8	tend	tend	VERB
fsr-3181	81	9	to	to	PART
fsr-3181	81	10	hold	hold	VERB
fsr-3181	81	11	term	term	NOUN
fsr-3181	81	12	life	life	NOUN
fsr-3181	81	13	insurance	insurance	NOUN
fsr-3181	81	14	and	and	CCONJ
fsr-3181	81	15	private	private	ADJ
fsr-3181	81	16	annuities	annuity	NOUN
fsr-3181	81	17	simultaneously	simultaneously	ADV
fsr-3181	81	18	.	.	PUNCT
fsr-3181	82	1	hau	hau	NOUN
fsr-3181	82	2	(	(	PUNCT
fsr-3181	82	3	2000	2000	NUM
fsr-3181	82	4	)	)	PUNCT
fsr-3181	82	5	investigates	investigate	VERB
fsr-3181	82	6	the	the	DET
fsr-3181	82	7	impact	impact	NOUN
fsr-3181	82	8	of	of	ADP
fsr-3181	82	9	life	life	NOUN
fsr-3181	82	10	insurance	insurance	NOUN
fsr-3181	82	11	as	as	ADP
fsr-3181	82	12	a	a	DET
fsr-3181	82	13	liquid	liquid	ADJ
fsr-3181	82	14	financial	financial	ADJ
fsr-3181	82	15	asset	asset	NOUN
fsr-3181	82	16	on	on	ADP
fsr-3181	82	17	an	an	DET
fsr-3181	82	18	insured	insure	VERB
fsr-3181	82	19	's	's	PART
fsr-3181	82	20	death	death	NOUN
fsr-3181	82	21	,	,	PUNCT
fsr-3181	82	22	and	and	CCONJ
fsr-3181	82	23	finds	find	VERB
fsr-3181	82	24	that	that	PRON
fsr-3181	82	25	saving	save	VERB
fsr-3181	82	26	accounts	account	NOUN
fsr-3181	82	27	,	,	PUNCT
fsr-3181	82	28	bonds	bond	NOUN
fsr-3181	82	29	,	,	PUNCT
fsr-3181	82	30	and	and	CCONJ
fsr-3181	82	31	stocks	stock	NOUN
fsr-3181	82	32	negatively	negatively	ADV
fsr-3181	82	33	impact	impact	VERB
fsr-3181	82	34	life	life	NOUN
fsr-3181	82	35	insurance	insurance	NOUN
fsr-3181	82	36	holdings	holding	NOUN
fsr-3181	82	37	.	.	PUNCT
fsr-3181	83	1	the	the	DET
fsr-3181	83	2	study	study	NOUN
fsr-3181	83	3	also	also	ADV
fsr-3181	83	4	reveals	reveal	VERB
fsr-3181	83	5	evidence	evidence	NOUN
fsr-3181	83	6	that	that	SCONJ
fsr-3181	83	7	debts	debt	NOUN
fsr-3181	83	8	have	have	AUX
fsr-3181	83	9	a	a	DET
fsr-3181	83	10	positive	positive	ADJ
fsr-3181	83	11	effect	effect	NOUN
fsr-3181	83	12	on	on	ADP
fsr-3181	83	13	life	life	NOUN
fsr-3181	83	14	insurance	insurance	NOUN
fsr-3181	83	15	.	.	PUNCT
fsr-3181	84	1	lin	lin	PROPN
fsr-3181	84	2	and	and	CCONJ
fsr-3181	84	3	grace	grace	NOUN
fsr-3181	84	4	(	(	PUNCT
fsr-3181	84	5	2007	2007	NUM
fsr-3181	84	6	)	)	PUNCT
fsr-3181	84	7	identify	identify	VERB
fsr-3181	84	8	the	the	DET
fsr-3181	84	9	impact	impact	NOUN
fsr-3181	84	10	of	of	ADP
fsr-3181	84	11	various	various	ADJ
fsr-3181	84	12	types	type	NOUN
fsr-3181	84	13	of	of	ADP
fsr-3181	84	14	financial	financial	ADJ
fsr-3181	84	15	assets	asset	NOUN
fsr-3181	84	16	on	on	ADP
fsr-3181	84	17	both	both	DET
fsr-3181	84	18	term	term	NOUN
fsr-3181	84	19	and	and	CCONJ
fsr-3181	84	20	whole	whole	ADJ
fsr-3181	84	21	life	life	NOUN
fsr-3181	84	22	insurance	insurance	NOUN
fsr-3181	84	23	.	.	PUNCT
fsr-3181	85	1	more	more	ADV
fsr-3181	85	2	recently	recently	ADV
fsr-3181	85	3	,	,	PUNCT
fsr-3181	85	4	outreville	outreville	NOUN
fsr-3181	85	5	(	(	PUNCT
fsr-3181	85	6	2013	2013	NUM
fsr-3181	85	7	)	)	PUNCT
fsr-3181	85	8	finds	find	VERB
fsr-3181	85	9	a	a	DET
fsr-3181	85	10	positive	positive	ADJ
fsr-3181	85	11	relationship	relationship	NOUN
fsr-3181	85	12	between	between	ADP
fsr-3181	85	13	primary	primary	ADJ
fsr-3181	85	14	financial	financial	ADJ
fsr-3181	85	15	assets	asset	NOUN
fsr-3181	85	16	and	and	CCONJ
fsr-3181	85	17	life	life	NOUN
fsr-3181	85	18	insurance	insurance	NOUN
fsr-3181	85	19	,	,	PUNCT
fsr-3181	85	20	which	which	PRON
fsr-3181	85	21	is	be	AUX
fsr-3181	85	22	attributed	attribute	VERB
fsr-3181	85	23	to	to	ADP
fsr-3181	85	24	the	the	DET
fsr-3181	85	25	good	good	ADJ
fsr-3181	85	26	performance	performance	NOUN
fsr-3181	85	27	of	of	ADP
fsr-3181	85	28	financial	financial	ADJ
fsr-3181	85	29	markets	market	NOUN
fsr-3181	85	30	during	during	ADP
fsr-3181	85	31	a	a	DET
fsr-3181	85	32	booming	booming	ADJ
fsr-3181	85	33	economy	economy	NOUN
fsr-3181	85	34	with	with	ADP
fsr-3181	85	35	high	high	ADJ
fsr-3181	85	36	household	household	NOUN
fsr-3181	85	37	savings	saving	NOUN
fsr-3181	85	38	.	.	PUNCT
fsr-3181	86	1	shi	shi	PROPN
fsr-3181	86	2	et	et	PROPN
fsr-3181	86	3	al	al	PROPN
fsr-3181	86	4	.	.	PROPN
fsr-3181	87	1	(	(	PUNCT
fsr-3181	87	2	2015	2015	NUM
fsr-3181	87	3	)	)	PUNCT
fsr-3181	87	4	suggest	suggest	VERB
fsr-3181	87	5	that	that	SCONJ
fsr-3181	87	6	life	life	NOUN
fsr-3181	87	7	insurance	insurance	NOUN
fsr-3181	87	8	complements	complement	NOUN
fsr-3181	87	9	,	,	PUNCT
fsr-3181	87	10	rather	rather	ADV
fsr-3181	87	11	than	than	ADP
fsr-3181	87	12	substitutes	substitute	NOUN
fsr-3181	87	13	,	,	PUNCT
fsr-3181	87	14	other	other	ADJ
fsr-3181	87	15	financial	financial	ADJ
fsr-3181	87	16	assets	asset	NOUN
fsr-3181	87	17	in	in	ADP
fsr-3181	87	18	a	a	DET
fsr-3181	87	19	household	household	NOUN
fsr-3181	87	20	's	's	PART
fsr-3181	87	21	asset	asset	NOUN
fsr-3181	87	22	allocation	allocation	NOUN
fsr-3181	87	23	decisions	decision	NOUN
fsr-3181	87	24	.	.	PUNCT
fsr-3181	88	1	in	in	ADP
fsr-3181	88	2	addition	addition	NOUN
fsr-3181	88	3	to	to	ADP
fsr-3181	88	4	financial	financial	ADJ
fsr-3181	88	5	portfolios	portfolio	NOUN
fsr-3181	88	6	,	,	PUNCT
fsr-3181	88	7	previous	previous	ADJ
fsr-3181	88	8	research	research	NOUN
fsr-3181	88	9	has	have	AUX
fsr-3181	88	10	found	find	VERB
fsr-3181	88	11	that	that	SCONJ
fsr-3181	88	12	household	household	NOUN
fsr-3181	88	13	wealth	wealth	NOUN
fsr-3181	88	14	,	,	PUNCT
fsr-3181	88	15	as	as	SCONJ
fsr-3181	88	16	measured	measure	VERB
fsr-3181	88	17	by	by	ADP
fsr-3181	88	18	net	net	ADJ
fsr-3181	88	19	worth	worth	NOUN
fsr-3181	88	20	,	,	PUNCT
fsr-3181	88	21	is	be	AUX
fsr-3181	88	22	an	an	DET
fsr-3181	88	23	important	important	ADJ
fsr-3181	88	24	determinant	determinant	NOUN
fsr-3181	88	25	of	of	ADP
fsr-3181	88	26	the	the	DET
fsr-3181	88	27	demand	demand	NOUN
fsr-3181	88	28	for	for	ADP
fsr-3181	88	29	life	life	NOUN
fsr-3181	88	30	insurance	insurance	NOUN
fsr-3181	88	31	.	.	PUNCT
fsr-3181	89	1	lewis	lewis	PROPN
fsr-3181	89	2	(	(	PUNCT
fsr-3181	89	3	1989	1989	NUM
fsr-3181	89	4	)	)	PUNCT
fsr-3181	89	5	suggests	suggest	VERB
fsr-3181	89	6	that	that	SCONJ
fsr-3181	89	7	life	life	NOUN
fsr-3181	89	8	insurance	insurance	NOUN
fsr-3181	89	9	is	be	AUX
fsr-3181	89	10	negatively	negatively	ADV
fsr-3181	89	11	associated	associate	VERB
fsr-3181	89	12	with	with	ADP
fsr-3181	89	13	net	net	ADJ
fsr-3181	89	14	worth	worth	NOUN
fsr-3181	89	15	.	.	PUNCT
fsr-3181	90	1	nevertheless	nevertheless	ADV
fsr-3181	90	2	,	,	PUNCT
fsr-3181	90	3	bernheim	bernheim	NOUN
fsr-3181	90	4	(	(	PUNCT
fsr-3181	90	5	1991	1991	NUM
fsr-3181	90	6	)	)	PUNCT
fsr-3181	90	7	,	,	PUNCT
fsr-3181	90	8	hau	hau	NOUN
fsr-3181	90	9	(	(	PUNCT
fsr-3181	90	10	2000	2000	NUM
fsr-3181	90	11	)	)	PUNCT
fsr-3181	90	12	,	,	PUNCT
fsr-3181	90	13	and	and	CCONJ
fsr-3181	90	14	eisenhauer	eisenhauer	NOUN
fsr-3181	90	15	and	and	CCONJ
fsr-3181	90	16	halek	halek	PROPN
fsr-3181	90	17	(	(	PUNCT
fsr-3181	90	18	1999	1999	NUM
fsr-3181	90	19	)	)	PUNCT
fsr-3181	90	20	have	have	AUX
fsr-3181	90	21	reported	report	VERB
fsr-3181	90	22	a	a	DET
fsr-3181	90	23	positive	positive	ADJ
fsr-3181	90	24	correlation	correlation	NOUN
fsr-3181	90	25	between	between	ADP
fsr-3181	90	26	household	household	NOUN
fsr-3181	90	27	wealth	wealth	NOUN
fsr-3181	90	28	and	and	CCONJ
fsr-3181	90	29	life	life	NOUN
fsr-3181	90	30	insurance	insurance	NOUN
fsr-3181	90	31	purchases	purchase	NOUN
fsr-3181	90	32	,	,	PUNCT
fsr-3181	90	33	attributing	attribute	VERB
fsr-3181	90	34	this	this	PRON
fsr-3181	90	35	to	to	ADP
fsr-3181	90	36	bequest	bequest	VERB
fsr-3181	90	37	motives	motive	NOUN
fsr-3181	90	38	and	and	CCONJ
fsr-3181	90	39	the	the	DET
fsr-3181	90	40	increasing	increase	VERB
fsr-3181	90	41	absolute	absolute	ADJ
fsr-3181	90	42	risk	risk	NOUN
fsr-3181	90	43	aversion	aversion	NOUN
fsr-3181	90	44	hypothesis	hypothesis	NOUN
fsr-3181	90	45	.	.	PUNCT
fsr-3181	91	1	maremont	maremont	NOUN
fsr-3181	91	2	and	and	CCONJ
fsr-3181	91	3	scism	scism	NOUN
fsr-3181	91	4	(	(	PUNCT
fsr-3181	91	5	2010	2010	NUM
fsr-3181	91	6	)	)	PUNCT
fsr-3181	91	7	report	report	NOUN
fsr-3181	91	8	that	that	SCONJ
fsr-3181	91	9	the	the	DET
fsr-3181	91	10	ownership	ownership	NOUN
fsr-3181	91	11	of	of	ADP
fsr-3181	91	12	cash	cash	NOUN
fsr-3181	91	13	-	-	PUNCT
fsr-3181	91	14	value	value	NOUN
fsr-3181	91	15	life	life	NOUN
fsr-3181	91	16	insurance	insurance	NOUN
fsr-3181	91	17	dropped	drop	VERB
fsr-3181	91	18	dramatically	dramatically	ADV
fsr-3181	91	19	over	over	ADP
fsr-3181	91	20	the	the	DET
fsr-3181	91	21	last	last	ADJ
fsr-3181	91	22	decade	decade	NOUN
fsr-3181	91	23	,	,	PUNCT
fsr-3181	91	24	but	but	CCONJ
fsr-3181	91	25	the	the	DET
fsr-3181	91	26	total	total	ADJ
fsr-3181	91	27	face	face	NOUN
fsr-3181	91	28	value	value	NOUN
fsr-3181	91	29	fell	fall	VERB
fsr-3181	91	30	at	at	ADP
fsr-3181	91	31	a	a	DET
fsr-3181	91	32	slower	slow	ADJ
fsr-3181	91	33	rate	rate	NOUN
fsr-3181	91	34	.	.	PUNCT
fsr-3181	92	1	heo	heo	PROPN
fsr-3181	92	2	et	et	PROPN
fsr-3181	92	3	al	al	PROPN
fsr-3181	92	4	.	.	PROPN
fsr-3181	93	1	(	(	PUNCT
fsr-3181	93	2	2013	2013	NUM
fsr-3181	93	3	)	)	PUNCT
fsr-3181	93	4	indicate	indicate	VERB
fsr-3181	93	5	that	that	SCONJ
fsr-3181	93	6	cash	cash	NOUN
fsr-3181	93	7	-	-	PUNCT
fsr-3181	93	8	value	value	NOUN
fsr-3181	93	9	life	life	NOUN
fsr-3181	93	10	insurance	insurance	NOUN
fsr-3181	93	11	acts	act	VERB
fsr-3181	93	12	as	as	ADP
fsr-3181	93	13	a	a	DET
fsr-3181	93	14	complement	complement	NOUN
fsr-3181	93	15	to	to	ADP
fsr-3181	93	16	,	,	PUNCT
fsr-3181	93	17	rather	rather	ADV
fsr-3181	93	18	than	than	ADP
fsr-3181	93	19	substitute	substitute	VERB
fsr-3181	93	20	for	for	ADP
fsr-3181	93	21	,	,	PUNCT
fsr-3181	93	22	wealth	wealth	NOUN
fsr-3181	93	23	.	.	PUNCT
fsr-3181	94	1	mulholland	mulholland	PROPN
fsr-3181	94	2	et	et	PROPN
fsr-3181	94	3	al	al	PROPN
fsr-3181	94	4	.	.	PUNCT
fsr-3181	95	1	(	(	PUNCT
fsr-3181	95	2	2016	2016	NUM
fsr-3181	95	3	)	)	PUNCT
fsr-3181	95	4	predict	predict	VERB
fsr-3181	95	5	that	that	SCONJ
fsr-3181	95	6	cash	cash	NOUN
fsr-3181	95	7	-	-	PUNCT
fsr-3181	95	8	value	value	NOUN
fsr-3181	95	9	life	life	NOUN
fsr-3181	95	10	insurance	insurance	NOUN
fsr-3181	95	11	ownership	ownership	NOUN
fsr-3181	95	12	will	will	AUX
fsr-3181	95	13	continue	continue	VERB
fsr-3181	95	14	to	to	PART
fsr-3181	95	15	decline	decline	VERB
fsr-3181	95	16	among	among	ADP
fsr-3181	95	17	younger	young	ADJ
fsr-3181	95	18	households	household	NOUN
fsr-3181	95	19	,	,	PUNCT
fsr-3181	95	20	while	while	SCONJ
fsr-3181	95	21	the	the	DET
fsr-3181	95	22	wealthiest	wealthy	ADJ
fsr-3181	95	23	households	household	NOUN
fsr-3181	95	24	have	have	AUX
fsr-3181	95	25	increased	increase	VERB
fsr-3181	95	26	it	it	PRON
fsr-3181	95	27	as	as	ADP
fsr-3181	95	28	an	an	DET
fsr-3181	95	29	estate	estate	NOUN
fsr-3181	95	30	planning	planning	NOUN
fsr-3181	95	31	instrument	instrument	NOUN
fsr-3181	95	32	.	.	PUNCT
fsr-3181	96	1	luciano	luciano	PROPN
fsr-3181	96	2	et	et	PROPN
fsr-3181	96	3	al	al	PROPN
fsr-3181	96	4	.	.	PROPN
fsr-3181	97	1	(	(	PUNCT
fsr-3181	97	2	2016	2016	NUM
fsr-3181	97	3	)	)	PUNCT
fsr-3181	97	4	find	find	VERB
fsr-3181	97	5	that	that	SCONJ
fsr-3181	97	6	the	the	DET
fsr-3181	97	7	ratio	ratio	NOUN
fsr-3181	97	8	of	of	ADP
fsr-3181	97	9	income	income	NOUN
fsr-3181	97	10	to	to	ADP
fsr-3181	97	11	net	net	NOUN
fsr-3181	97	12	worth	worth	NOUN
fsr-3181	97	13	negatively	negatively	ADV
fsr-3181	97	14	affects	affect	VERB
fsr-3181	97	15	the	the	DET
fsr-3181	97	16	demand	demand	NOUN
fsr-3181	97	17	for	for	ADP
fsr-3181	97	18	term	term	NOUN
fsr-3181	97	19	life	life	NOUN
fsr-3181	97	20	insurance	insurance	NOUN
fsr-3181	97	21	.	.	PUNCT
fsr-3181	98	1	they	they	PRON
fsr-3181	98	2	suggest	suggest	VERB
fsr-3181	98	3	that	that	SCONJ
fsr-3181	98	4	focusing	focus	VERB
fsr-3181	98	5	solely	solely	ADV
fsr-3181	98	6	on	on	ADP
fsr-3181	98	7	income	income	NOUN
fsr-3181	98	8	variables	variable	NOUN
fsr-3181	98	9	can	can	AUX
fsr-3181	98	10	be	be	AUX
fsr-3181	98	11	misleading	misleading	ADJ
fsr-3181	98	12	,	,	PUNCT
fsr-3181	98	13	as	as	SCONJ
fsr-3181	98	14	wealth	wealth	NOUN
fsr-3181	98	15	is	be	AUX
fsr-3181	98	16	playing	play	VERB
fsr-3181	98	17	an	an	DET
fsr-3181	98	18	increasing	increase	VERB
fsr-3181	98	19	role	role	NOUN
fsr-3181	98	20	in	in	ADP
fsr-3181	98	21	determining	determine	VERB
fsr-3181	98	22	the	the	DET
fsr-3181	98	23	demand	demand	NOUN
fsr-3181	98	24	for	for	ADP
fsr-3181	98	25	life	life	NOUN
fsr-3181	98	26	insurance	insurance	NOUN
fsr-3181	98	27	.	.	PUNCT
fsr-3181	99	1	moreover	moreover	ADV
fsr-3181	99	2	,	,	PUNCT
fsr-3181	99	3	previous	previous	ADJ
fsr-3181	99	4	research	research	NOUN
fsr-3181	99	5	has	have	AUX
fsr-3181	99	6	examined	examine	VERB
fsr-3181	99	7	the	the	DET
fsr-3181	99	8	impact	impact	NOUN
fsr-3181	99	9	of	of	ADP
fsr-3181	99	10	retirement	retirement	NOUN
fsr-3181	99	11	assets	asset	NOUN
fsr-3181	99	12	,	,	PUNCT
fsr-3181	99	13	including	include	VERB
fsr-3181	99	14	social	social	ADJ
fsr-3181	99	15	security	security	NOUN
fsr-3181	99	16	,	,	PUNCT
fsr-3181	99	17	on	on	ADP
fsr-3181	99	18	the	the	DET
fsr-3181	99	19	demand	demand	NOUN
fsr-3181	99	20	for	for	ADP
fsr-3181	99	21	life	life	NOUN
fsr-3181	99	22	insurance	insurance	NOUN
fsr-3181	99	23	.	.	PUNCT
fsr-3181	100	1	pissarides	pissaride	NOUN
fsr-3181	100	2	(	(	PUNCT
fsr-3181	100	3	1980	1980	NUM
fsr-3181	100	4	)	)	PUNCT
fsr-3181	100	5	indicates	indicate	VERB
fsr-3181	100	6	that	that	SCONJ
fsr-3181	100	7	retirement	retirement	NOUN
fsr-3181	100	8	savings	saving	NOUN
fsr-3181	100	9	and	and	CCONJ
fsr-3181	100	10	bequests	bequest	NOUN
fsr-3181	100	11	are	be	AUX
fsr-3181	100	12	dependent	dependent	ADJ
fsr-3181	100	13	on	on	ADP
fsr-3181	100	14	the	the	DET
fsr-3181	100	15	ability	ability	NOUN
fsr-3181	100	16	to	to	PART
fsr-3181	100	17	purchase	purchase	VERB
fsr-3181	100	18	life	life	NOUN
fsr-3181	100	19	insurance	insurance	NOUN
fsr-3181	100	20	.	.	PUNCT
fsr-3181	101	1	bernheim	bernheim	PROPN
fsr-3181	101	2	(	(	PUNCT
fsr-3181	101	3	1991	1991	NUM
fsr-3181	101	4	)	)	PUNCT
fsr-3181	101	5	finds	find	VERB
fsr-3181	101	6	that	that	SCONJ
fsr-3181	101	7	social	social	ADJ
fsr-3181	101	8	security	security	NOUN
fsr-3181	101	9	benefits	benefit	NOUN
fsr-3181	101	10	lead	lead	VERB
fsr-3181	101	11	to	to	ADP
fsr-3181	101	12	a	a	DET
fsr-3181	101	13	drop	drop	NOUN
fsr-3181	101	14	in	in	ADP
fsr-3181	101	15	the	the	DET
fsr-3181	101	16	acquisition	acquisition	NOUN
fsr-3181	101	17	of	of	ADP
fsr-3181	101	18	annuities	annuity	NOUN
fsr-3181	101	19	but	but	CCONJ
fsr-3181	101	20	an	an	DET
fsr-3181	101	21	increase	increase	NOUN
fsr-3181	101	22	in	in	ADP
fsr-3181	101	23	life	life	NOUN
fsr-3181	101	24	insurance	insurance	NOUN
fsr-3181	101	25	purchases	purchase	NOUN
fsr-3181	101	26	.	.	PUNCT
fsr-3181	102	1	hubener	hubener	NOUN
fsr-3181	102	2	et	et	PROPN
fsr-3181	102	3	al	al	PROPN
fsr-3181	102	4	.	.	PUNCT
fsr-3181	103	1	(	(	PUNCT
fsr-3181	103	2	2016	2016	NUM
fsr-3181	103	3	)	)	PUNCT
fsr-3181	103	4	demonstrate	demonstrate	VERB
fsr-3181	103	5	that	that	SCONJ
fsr-3181	103	6	social	social	ADJ
fsr-3181	103	7	security	security	NOUN
fsr-3181	103	8	rules	rule	NOUN
fsr-3181	103	9	and	and	CCONJ
fsr-3181	103	10	family	family	NOUN
fsr-3181	103	11	risk	risk	NOUN
fsr-3181	103	12	have	have	VERB
fsr-3181	103	13	important	important	ADJ
fsr-3181	103	14	effects	effect	NOUN
fsr-3181	103	15	on	on	ADP
fsr-3181	103	16	the	the	DET
fsr-3181	103	17	optimal	optimal	ADJ
fsr-3181	103	18	life	life	NOUN
fsr-3181	103	19	cycle	cycle	NOUN
fsr-3181	103	20	household	household	NOUN
fsr-3181	103	21	saving	saving	NOUN
fsr-3181	103	22	and	and	CCONJ
fsr-3181	103	23	asset	asset	NOUN
fsr-3181	103	24	allocation	allocation	NOUN
fsr-3181	103	25	patterns	pattern	NOUN
fsr-3181	103	26	,	,	PUNCT
fsr-3181	103	27	retirement	retirement	NOUN
fsr-3181	103	28	decisions	decision	NOUN
fsr-3181	103	29	,	,	PUNCT
fsr-3181	103	30	and	and	CCONJ
fsr-3181	103	31	life	life	NOUN
fsr-3181	103	32	insurance	insurance	NOUN
fsr-3181	103	33	purchases	purchase	NOUN
fsr-3181	103	34	.	.	PUNCT
fsr-3181	104	1	limited	limited	ADJ
fsr-3181	104	2	literature	literature	NOUN
fsr-3181	104	3	has	have	AUX
fsr-3181	104	4	explored	explore	VERB
fsr-3181	104	5	the	the	DET
fsr-3181	104	6	demand	demand	NOUN
fsr-3181	104	7	for	for	ADP
fsr-3181	104	8	life	life	NOUN
fsr-3181	104	9	insurance	insurance	NOUN
fsr-3181	104	10	during	during	ADP
fsr-3181	104	11	economic	economic	ADJ
fsr-3181	104	12	recessions	recession	NOUN
fsr-3181	104	13	.	.	PUNCT
fsr-3181	105	1	the	the	DET
fsr-3181	105	2	2007	2007	NUM
fsr-3181	105	3	-	-	SYM
fsr-3181	105	4	2009	2009	NUM
fsr-3181	105	5	financial	financial	ADJ
fsr-3181	105	6	crisis	crisis	NOUN
fsr-3181	105	7	severely	severely	ADV
fsr-3181	105	8	impacted	impact	VERB
fsr-3181	105	9	global	global	ADJ
fsr-3181	105	10	insurance	insurance	NOUN
fsr-3181	105	11	markets	market	NOUN
fsr-3181	105	12	,	,	PUNCT
fsr-3181	105	13	with	with	ADP
fsr-3181	105	14	the	the	DET
fsr-3181	105	15	segments	segment	NOUN
fsr-3181	105	16	of	of	ADP
fsr-3181	105	17	annuities	annuity	NOUN
fsr-3181	105	18	and	and	CCONJ
fsr-3181	105	19	life	life	NOUN
fsr-3181	105	20	insurance	insurance	NOUN
fsr-3181	105	21	hit	hit	VERB
fsr-3181	105	22	harder	hard	ADV
fsr-3181	105	23	than	than	ADP
fsr-3181	105	24	health	health	NOUN
fsr-3181	105	25	lines	line	NOUN
fsr-3181	105	26	,	,	PUNCT
fsr-3181	105	27	as	as	SCONJ
fsr-3181	105	28	they	they	PRON
fsr-3181	105	29	had	have	VERB
fsr-3181	105	30	relatively	relatively	ADV
fsr-3181	105	31	larger	large	ADJ
fsr-3181	105	32	asset	asset	NOUN
fsr-3181	105	33	portfolios	portfolio	NOUN
fsr-3181	105	34	(	(	PUNCT
fsr-3181	105	35	baranoff	baranoff	PROPN
fsr-3181	105	36	&	&	CCONJ
fsr-3181	105	37	sager	sager	PROPN
fsr-3181	105	38	,	,	PUNCT
fsr-3181	105	39	2011	2011	NUM
fsr-3181	105	40	)	)	PUNCT
fsr-3181	105	41	.	.	PUNCT
fsr-3181	106	1	during	during	ADP
fsr-3181	106	2	the	the	DET
fsr-3181	106	3	crisis	crisis	NOUN
fsr-3181	106	4	,	,	PUNCT
fsr-3181	106	5	low	low	ADJ
fsr-3181	106	6	long	long	ADJ
fsr-3181	106	7	-	-	PUNCT
fsr-3181	106	8	term	term	NOUN
fsr-3181	106	9	interest	interest	NOUN
fsr-3181	106	10	rates	rate	NOUN
fsr-3181	106	11	,	,	PUNCT
fsr-3181	106	12	which	which	PRON
fsr-3181	106	13	serve	serve	VERB
fsr-3181	106	14	as	as	ADP
fsr-3181	106	15	the	the	DET
fsr-3181	106	16	valuation	valuation	NOUN
fsr-3181	106	17	basis	basis	NOUN
fsr-3181	106	18	to	to	PART
fsr-3181	106	19	determine	determine	VERB
fsr-3181	106	20	premiums	premium	NOUN
fsr-3181	106	21	,	,	PUNCT
fsr-3181	106	22	guaranteed	guarantee	VERB
fsr-3181	106	23	rates	rate	NOUN
fsr-3181	106	24	of	of	ADP
fsr-3181	106	25	return	return	NOUN
fsr-3181	106	26	,	,	PUNCT
fsr-3181	106	27	profit	profit	NOUN
fsr-3181	106	28	-	-	PUNCT
fsr-3181	106	29	sharing	sharing	NOUN
fsr-3181	106	30	,	,	PUNCT
fsr-3181	106	31	and	and	CCONJ
fsr-3181	106	32	policy	policy	NOUN
fsr-3181	106	33	reserves	reserve	NOUN
fsr-3181	106	34	,	,	PUNCT
fsr-3181	106	35	created	create	VERB
fsr-3181	106	36	significant	significant	ADJ
fsr-3181	106	37	financial	financial	ADJ
fsr-3181	106	38	problems	problem	NOUN
fsr-3181	106	39	and	and	CCONJ
fsr-3181	106	40	pressure	pressure	NOUN
fsr-3181	106	41	on	on	ADP
fsr-3181	106	42	profits	profit	NOUN
fsr-3181	106	43	for	for	ADP
fsr-3181	106	44	life	life	NOUN
fsr-3181	106	45	insurers	insurer	NOUN
fsr-3181	106	46	nationwide	nationwide	ADV
fsr-3181	106	47	(	(	PUNCT
fsr-3181	106	48	holsboer	holsboer	NOUN
fsr-3181	106	49	,	,	PUNCT
fsr-3181	106	50	2000	2000	NUM
fsr-3181	106	51	)	)	PUNCT
fsr-3181	106	52	.	.	PUNCT
fsr-3181	107	1	this	this	PRON
fsr-3181	107	2	resulted	result	VERB
fsr-3181	107	3	in	in	ADP
fsr-3181	107	4	an	an	DET
fsr-3181	107	5	increased	increase	VERB
fsr-3181	107	6	use	use	NOUN
fsr-3181	107	7	of	of	ADP
fsr-3181	107	8	paid	pay	VERB
fsr-3181	107	9	-	-	PUNCT
fsr-3181	107	10	up	up	ADP
fsr-3181	107	11	options	option	NOUN
fsr-3181	107	12	or	or	CCONJ
fsr-3181	107	13	high	high	ADJ
fsr-3181	107	14	lapses	lapse	NOUN
fsr-3181	107	15	on	on	ADP
fsr-3181	107	16	life	life	NOUN
fsr-3181	107	17	insurance	insurance	NOUN
fsr-3181	107	18	policies	policy	NOUN
fsr-3181	107	19	and	and	CCONJ
fsr-3181	107	20	a	a	DET
fsr-3181	107	21	large	large	ADJ
fsr-3181	107	22	drop	drop	NOUN
fsr-3181	107	23	in	in	ADP
fsr-3181	107	24	the	the	DET
fsr-3181	107	25	demand	demand	NOUN
fsr-3181	107	26	for	for	ADP
fsr-3181	107	27	new	new	ADJ
fsr-3181	107	28	policies	policy	NOUN
fsr-3181	107	29	.	.	PUNCT
fsr-3181	108	1	for	for	ADP
fsr-3181	108	2	households	household	NOUN
fsr-3181	108	3	,	,	PUNCT
fsr-3181	108	4	the	the	DET
fsr-3181	108	5	financial	financial	ADJ
fsr-3181	108	6	crisis	crisis	NOUN
fsr-3181	108	7	led	lead	VERB
fsr-3181	108	8	to	to	ADP
fsr-3181	108	9	rising	rise	VERB
fsr-3181	108	10	unemployment	unemployment	NOUN
fsr-3181	108	11	and	and	CCONJ
fsr-3181	108	12	declining	decline	VERB
fsr-3181	108	13	value	value	NOUN
fsr-3181	108	14	of	of	ADP
fsr-3181	108	15	financial	financial	ADJ
fsr-3181	108	16	assets	asset	NOUN
fsr-3181	108	17	and	and	CCONJ
fsr-3181	108	18	household	household	NOUN
fsr-3181	108	19	wealth	wealth	NOUN
fsr-3181	108	20	.	.	PUNCT
fsr-3181	109	1	swiss	swiss	ADJ
fsr-3181	109	2	re	re	ADP
fsr-3181	109	3	(	(	PUNCT
fsr-3181	109	4	2009	2009	NUM
fsr-3181	109	5	)	)	PUNCT
fsr-3181	109	6	reports	report	VERB
fsr-3181	109	7	that	that	SCONJ
fsr-3181	109	8	sales	sale	NOUN
fsr-3181	109	9	of	of	ADP
fsr-3181	109	10	equity	equity	NOUN
fsr-3181	109	11	-	-	PUNCT
fsr-3181	109	12	linked	link	VERB
fsr-3181	109	13	products	product	NOUN
fsr-3181	109	14	declined	decline	VERB
fsr-3181	109	15	tremendously	tremendously	ADV
fsr-3181	109	16	during	during	ADP
fsr-3181	109	17	the	the	DET
fsr-3181	109	18	financial	financial	ADJ
fsr-3181	109	19	crisis	crisis	NOUN
fsr-3181	109	20	,	,	PUNCT
fsr-3181	109	21	while	while	SCONJ
fsr-3181	109	22	non	non	ADJ
fsr-3181	109	23	-	-	ADJ
fsr-3181	109	24	equitylinked	equitylinke	VERB
fsr-3181	109	25	savings	saving	NOUN
fsr-3181	109	26	products	product	NOUN
fsr-3181	109	27	,	,	PUNCT
fsr-3181	109	28	including	include	VERB
fsr-3181	109	29	fixed	fix	VERB
fsr-3181	109	30	annuities	annuity	NOUN
fsr-3181	109	31	and	and	CCONJ
fsr-3181	109	32	traditional	traditional	ADJ
fsr-3181	109	33	life	life	NOUN
fsr-3181	109	34	savings	saving	NOUN
fsr-3181	109	35	,	,	PUNCT
fsr-3181	109	36	continued	continue	VERB
fsr-3181	109	37	to	to	PART
fsr-3181	109	38	increase	increase	VERB
fsr-3181	109	39	.	.	PUNCT
fsr-3181	110	1	wang	wang	PROPN
fsr-3181	110	2	et	et	PROPN
fsr-3181	110	3	al	al	PROPN
fsr-3181	110	4	.	.	PROPN
fsr-3181	110	5	5	5	NUM
fsr-3181	110	6	after	after	ADP
fsr-3181	110	7	the	the	DET
fsr-3181	110	8	2008	2008	NUM
fsr-3181	110	9	financial	financial	ADJ
fsr-3181	110	10	crisis	crisis	NOUN
fsr-3181	110	11	,	,	PUNCT
fsr-3181	110	12	households	household	NOUN
fsr-3181	110	13	demonstrated	demonstrate	VERB
fsr-3181	110	14	an	an	DET
fsr-3181	110	15	increased	increase	VERB
fsr-3181	110	16	risk	risk	NOUN
fsr-3181	110	17	aversion	aversion	NOUN
fsr-3181	110	18	attitude	attitude	NOUN
fsr-3181	110	19	,	,	PUNCT
fsr-3181	110	20	with	with	ADP
fsr-3181	110	21	higher	high	ADJ
fsr-3181	110	22	precautionary	precautionary	ADJ
fsr-3181	110	23	savings	saving	NOUN
fsr-3181	110	24	(	(	PUNCT
fsr-3181	110	25	bricker	bricker	NOUN
fsr-3181	110	26	et	et	NOUN
fsr-3181	110	27	al	al	PROPN
fsr-3181	110	28	.	.	PROPN
fsr-3181	110	29	,	,	PUNCT
fsr-3181	110	30	2011	2011	NUM
fsr-3181	110	31	)	)	PUNCT
fsr-3181	110	32	.	.	PUNCT
fsr-3181	111	1	households	household	NOUN
fsr-3181	111	2	also	also	ADV
fsr-3181	111	3	tended	tend	VERB
fsr-3181	111	4	to	to	PART
fsr-3181	111	5	have	have	VERB
fsr-3181	111	6	better	well	ADJ
fsr-3181	111	7	performance	performance	NOUN
fsr-3181	111	8	in	in	ADP
fsr-3181	111	9	their	their	PRON
fsr-3181	111	10	behaviors	behavior	NOUN
fsr-3181	111	11	of	of	ADP
fsr-3181	111	12	budgeting	budgeting	NOUN
fsr-3181	111	13	,	,	PUNCT
fsr-3181	111	14	saving	saving	NOUN
fsr-3181	111	15	,	,	PUNCT
fsr-3181	111	16	and	and	CCONJ
fsr-3181	111	17	spending	spending	NOUN
fsr-3181	111	18	,	,	PUNCT
fsr-3181	111	19	and	and	CCONJ
fsr-3181	111	20	have	have	VERB
fsr-3181	111	21	more	more	ADJ
fsr-3181	111	22	frequent	frequent	ADJ
fsr-3181	111	23	performance	performance	NOUN
fsr-3181	111	24	of	of	ADP
fsr-3181	111	25	commonly	commonly	ADV
fsr-3181	111	26	recommended	recommend	VERB
fsr-3181	111	27	financial	financial	ADJ
fsr-3181	111	28	practices	practice	NOUN
fsr-3181	111	29	,	,	PUNCT
fsr-3181	111	30	including	include	VERB
fsr-3181	111	31	holding	hold	VERB
fsr-3181	111	32	adequate	adequate	ADJ
fsr-3181	111	33	insurance	insurance	NOUN
fsr-3181	111	34	(	(	PUNCT
fsr-3181	111	35	o'neill	o'neill	PROPN
fsr-3181	111	36	&	&	CCONJ
fsr-3181	111	37	xiao	xiao	PROPN
fsr-3181	111	38	,	,	PUNCT
fsr-3181	111	39	2012	2012	NUM
fsr-3181	111	40	)	)	PUNCT
fsr-3181	111	41	.	.	PUNCT
fsr-3181	112	1	additionally	additionally	ADV
fsr-3181	112	2	,	,	PUNCT
fsr-3181	112	3	there	there	PRON
fsr-3181	112	4	are	be	VERB
fsr-3181	112	5	insufficient	insufficient	ADJ
fsr-3181	112	6	research	research	NOUN
fsr-3181	112	7	attempts	attempt	NOUN
fsr-3181	112	8	that	that	PRON
fsr-3181	112	9	employ	employ	VERB
fsr-3181	112	10	panel	panel	NOUN
fsr-3181	112	11	data	datum	NOUN
fsr-3181	112	12	to	to	PART
fsr-3181	112	13	investigate	investigate	VERB
fsr-3181	112	14	the	the	DET
fsr-3181	112	15	determinants	determinant	NOUN
fsr-3181	112	16	of	of	ADP
fsr-3181	112	17	the	the	DET
fsr-3181	112	18	demand	demand	NOUN
fsr-3181	112	19	for	for	ADP
fsr-3181	112	20	life	life	NOUN
fsr-3181	112	21	insurance	insurance	NOUN
fsr-3181	112	22	in	in	ADP
fsr-3181	112	23	a	a	DET
fsr-3181	112	24	dynamic	dynamic	ADJ
fsr-3181	112	25	context	context	NOUN
fsr-3181	112	26	.	.	PUNCT
fsr-3181	113	1	liebenberg	liebenberg	ADV
fsr-3181	113	2	et	et	PROPN
fsr-3181	113	3	al	al	PROPN
fsr-3181	113	4	.	.	PROPN
fsr-3181	114	1	(	(	PUNCT
fsr-3181	114	2	2012	2012	NUM
fsr-3181	114	3	)	)	PUNCT
fsr-3181	114	4	suggest	suggest	VERB
fsr-3181	114	5	that	that	SCONJ
fsr-3181	114	6	a	a	DET
fsr-3181	114	7	dynamic	dynamic	ADJ
fsr-3181	114	8	analysis	analysis	NOUN
fsr-3181	114	9	based	base	VERB
fsr-3181	114	10	on	on	ADP
fsr-3181	114	11	panel	panel	NOUN
fsr-3181	114	12	data	datum	NOUN
fsr-3181	114	13	may	may	AUX
fsr-3181	114	14	be	be	AUX
fsr-3181	114	15	better	well	ADV
fsr-3181	114	16	suited	suited	ADJ
fsr-3181	114	17	to	to	PART
fsr-3181	114	18	explain	explain	VERB
fsr-3181	114	19	the	the	DET
fsr-3181	114	20	determinants	determinant	NOUN
fsr-3181	114	21	of	of	ADP
fsr-3181	114	22	the	the	DET
fsr-3181	114	23	demand	demand	NOUN
fsr-3181	114	24	for	for	ADP
fsr-3181	114	25	life	life	NOUN
fsr-3181	114	26	insurance	insurance	NOUN
fsr-3181	114	27	than	than	ADP
fsr-3181	114	28	a	a	DET
fsr-3181	114	29	static	static	ADJ
fsr-3181	114	30	analysis	analysis	NOUN
fsr-3181	114	31	based	base	VERB
fsr-3181	114	32	on	on	ADP
fsr-3181	114	33	cross	cross	ADJ
fsr-3181	114	34	-	-	ADJ
fsr-3181	114	35	sectional	sectional	ADJ
fsr-3181	114	36	data	datum	NOUN
fsr-3181	114	37	.	.	PUNCT
fsr-3181	115	1	they	they	PRON
fsr-3181	115	2	analyze	analyze	VERB
fsr-3181	115	3	the	the	DET
fsr-3181	115	4	1983	1983	NUM
fsr-3181	115	5	-	-	SYM
fsr-3181	115	6	1989	1989	NUM
fsr-3181	115	7	scf	scf	PROPN
fsr-3181	115	8	panel	panel	NOUN
fsr-3181	115	9	data	datum	NOUN
fsr-3181	115	10	and	and	CCONJ
fsr-3181	115	11	find	find	VERB
fsr-3181	115	12	that	that	SCONJ
fsr-3181	115	13	life	life	NOUN
fsr-3181	115	14	events	event	NOUN
fsr-3181	115	15	,	,	PUNCT
fsr-3181	115	16	such	such	ADJ
fsr-3181	115	17	as	as	ADP
fsr-3181	115	18	finding	find	VERB
fsr-3181	115	19	a	a	DET
fsr-3181	115	20	new	new	ADJ
fsr-3181	115	21	job	job	NOUN
fsr-3181	115	22	and	and	CCONJ
fsr-3181	115	23	becoming	become	VERB
fsr-3181	115	24	unemployed	unemployed	ADJ
fsr-3181	115	25	,	,	PUNCT
fsr-3181	115	26	have	have	VERB
fsr-3181	115	27	a	a	DET
fsr-3181	115	28	significant	significant	ADJ
fsr-3181	115	29	and	and	CCONJ
fsr-3181	115	30	dynamic	dynamic	ADJ
fsr-3181	115	31	impact	impact	NOUN
fsr-3181	115	32	on	on	ADP
fsr-3181	115	33	changes	change	NOUN
fsr-3181	115	34	in	in	ADP
fsr-3181	115	35	life	life	NOUN
fsr-3181	115	36	insurance	insurance	NOUN
fsr-3181	115	37	holdings	holding	NOUN
fsr-3181	115	38	.	.	PUNCT
fsr-3181	116	1	the	the	DET
fsr-3181	116	2	same	same	ADJ
fsr-3181	116	3	dataset	dataset	NOUN
fsr-3181	116	4	is	be	AUX
fsr-3181	116	5	used	use	VERB
fsr-3181	116	6	by	by	ADP
fsr-3181	116	7	bertaut	bertaut	PROPN
fsr-3181	116	8	(	(	PUNCT
fsr-3181	116	9	1998	1998	NUM
fsr-3181	116	10	)	)	PUNCT
fsr-3181	116	11	to	to	PART
fsr-3181	116	12	examine	examine	VERB
fsr-3181	116	13	the	the	DET
fsr-3181	116	14	determinants	determinant	NOUN
fsr-3181	116	15	of	of	ADP
fsr-3181	116	16	stock	stock	NOUN
fsr-3181	116	17	ownership	ownership	NOUN
fsr-3181	116	18	decisions	decision	NOUN
fsr-3181	116	19	in	in	ADP
fsr-3181	116	20	a	a	DET
fsr-3181	116	21	dynamic	dynamic	ADJ
fsr-3181	116	22	setting	setting	NOUN
fsr-3181	116	23	at	at	ADP
fsr-3181	116	24	the	the	DET
fsr-3181	116	25	household	household	NOUN
fsr-3181	116	26	level	level	NOUN
fsr-3181	116	27	,	,	PUNCT
fsr-3181	116	28	and	and	CCONJ
fsr-3181	116	29	also	also	ADV
fsr-3181	116	30	used	use	VERB
fsr-3181	116	31	by	by	ADP
fsr-3181	116	32	liebenberg	liebenberg	PROPN
fsr-3181	116	33	et	et	PROPN
fsr-3181	116	34	al	al	PROPN
fsr-3181	116	35	.	.	PROPN
fsr-3181	117	1	(	(	PUNCT
fsr-3181	117	2	2010	2010	NUM
fsr-3181	117	3	)	)	PUNCT
fsr-3181	118	1	to	to	PART
fsr-3181	118	2	explore	explore	VERB
fsr-3181	118	3	policy	policy	NOUN
fsr-3181	118	4	loans	loan	NOUN
fsr-3181	118	5	of	of	ADP
fsr-3181	118	6	whole	whole	ADJ
fsr-3181	118	7	life	life	NOUN
fsr-3181	118	8	insurance	insurance	NOUN
fsr-3181	118	9	.	.	PUNCT
fsr-3181	119	1	more	more	ADV
fsr-3181	119	2	recently	recently	ADV
fsr-3181	119	3	,	,	PUNCT
fsr-3181	119	4	wang	wang	PROPN
fsr-3181	119	5	(	(	PUNCT
fsr-3181	119	6	2023	2023	NUM
fsr-3181	119	7	)	)	PUNCT
fsr-3181	119	8	uses	use	VERB
fsr-3181	119	9	the	the	DET
fsr-3181	119	10	2007	2007	NUM
fsr-3181	119	11	-	-	SYM
fsr-3181	119	12	2009	2009	NUM
fsr-3181	119	13	scf	scf	PROPN
fsr-3181	119	14	panel	panel	NOUN
fsr-3181	119	15	data	datum	NOUN
fsr-3181	119	16	and	and	CCONJ
fsr-3181	119	17	reveals	reveal	VERB
fsr-3181	119	18	a	a	DET
fsr-3181	119	19	positive	positive	ADJ
fsr-3181	119	20	relationship	relationship	NOUN
fsr-3181	119	21	between	between	ADP
fsr-3181	119	22	changes	change	NOUN
fsr-3181	119	23	in	in	ADP
fsr-3181	119	24	the	the	DET
fsr-3181	119	25	holdings	holding	NOUN
fsr-3181	119	26	of	of	ADP
fsr-3181	119	27	primary	primary	ADJ
fsr-3181	119	28	assets	asset	NOUN
fsr-3181	119	29	and	and	CCONJ
fsr-3181	119	30	the	the	DET
fsr-3181	119	31	ownership	ownership	NOUN
fsr-3181	119	32	choices	choice	NOUN
fsr-3181	119	33	of	of	ADP
fsr-3181	119	34	life	life	NOUN
fsr-3181	119	35	insurance	insurance	NOUN
fsr-3181	119	36	during	during	ADP
fsr-3181	119	37	the	the	DET
fsr-3181	119	38	financial	financial	ADJ
fsr-3181	119	39	crisis	crisis	NOUN
fsr-3181	119	40	.	.	PUNCT
fsr-3181	120	1	changes	change	NOUN
fsr-3181	120	2	in	in	ADP
fsr-3181	120	3	household	household	NOUN
fsr-3181	120	4	portfolio	portfolio	NOUN
fsr-3181	120	5	holdings	holding	NOUN
fsr-3181	120	6	may	may	AUX
fsr-3181	120	7	result	result	VERB
fsr-3181	120	8	from	from	ADP
fsr-3181	120	9	the	the	DET
fsr-3181	120	10	passive	passive	ADJ
fsr-3181	120	11	acceptance	acceptance	NOUN
fsr-3181	120	12	of	of	ADP
fsr-3181	120	13	portfolio	portfolio	NOUN
fsr-3181	120	14	shifts	shift	NOUN
fsr-3181	120	15	driven	drive	VERB
fsr-3181	120	16	by	by	ADP
fsr-3181	120	17	changes	change	NOUN
fsr-3181	120	18	in	in	ADP
fsr-3181	120	19	asset	asset	NOUN
fsr-3181	120	20	prices	price	NOUN
fsr-3181	120	21	,	,	PUNCT
fsr-3181	120	22	or	or	CCONJ
fsr-3181	120	23	from	from	ADP
fsr-3181	120	24	the	the	DET
fsr-3181	120	25	active	active	ADJ
fsr-3181	120	26	decision	decision	NOUN
fsr-3181	120	27	-	-	PUNCT
fsr-3181	120	28	making	making	NOUN
fsr-3181	120	29	to	to	PART
fsr-3181	120	30	rebalance	rebalance	VERB
fsr-3181	120	31	various	various	ADJ
fsr-3181	120	32	financial	financial	ADJ
fsr-3181	120	33	assets	asset	NOUN
fsr-3181	120	34	in	in	ADP
fsr-3181	120	35	household	household	NOUN
fsr-3181	120	36	portfolios	portfolio	NOUN
fsr-3181	120	37	(	(	PUNCT
fsr-3181	120	38	bricker	bricker	NOUN
fsr-3181	120	39	et	et	NOUN
fsr-3181	120	40	al	al	PROPN
fsr-3181	120	41	,	,	PUNCT
fsr-3181	120	42	2011	2011	NUM
fsr-3181	120	43	)	)	PUNCT
fsr-3181	120	44	.	.	PUNCT
fsr-3181	121	1	bricker	bricker	NOUN
fsr-3181	121	2	et	et	PROPN
fsr-3181	121	3	al	al	PROPN
fsr-3181	121	4	.	.	PROPN
fsr-3181	122	1	(	(	PUNCT
fsr-3181	122	2	2011	2011	NUM
fsr-3181	122	3	)	)	PUNCT
fsr-3181	122	4	indicate	indicate	VERB
fsr-3181	122	5	that	that	SCONJ
fsr-3181	122	6	the	the	DET
fsr-3181	122	7	majority	majority	NOUN
fsr-3181	122	8	of	of	ADP
fsr-3181	122	9	families	family	NOUN
fsr-3181	122	10	passively	passively	ADV
fsr-3181	122	11	accepted	accept	VERB
fsr-3181	122	12	changes	change	NOUN
fsr-3181	122	13	in	in	ADP
fsr-3181	122	14	portfolio	portfolio	NOUN
fsr-3181	122	15	shares	share	NOUN
fsr-3181	122	16	driven	drive	VERB
fsr-3181	122	17	by	by	ADP
fsr-3181	122	18	changes	change	NOUN
fsr-3181	122	19	in	in	ADP
fsr-3181	122	20	asset	asset	NOUN
fsr-3181	122	21	4	4	NUM
fsr-3181	122	22	see	see	VERB
fsr-3181	122	23	liebenberg	liebenberg	ADV
fsr-3181	122	24	et	et	PROPN
fsr-3181	122	25	al	al	PROPN
fsr-3181	122	26	.	.	PROPN
fsr-3181	123	1	(	(	PUNCT
fsr-3181	123	2	2012	2012	NUM
fsr-3181	123	3	)	)	PUNCT
fsr-3181	123	4	for	for	ADP
fsr-3181	123	5	the	the	DET
fsr-3181	123	6	advantages	advantage	NOUN
fsr-3181	123	7	of	of	ADP
fsr-3181	123	8	studying	study	VERB
fsr-3181	123	9	changes	change	NOUN
fsr-3181	123	10	in	in	ADP
fsr-3181	123	11	financial	financial	ADJ
fsr-3181	123	12	portfolios	portfolio	NOUN
fsr-3181	123	13	using	use	VERB
fsr-3181	123	14	the	the	DET
fsr-3181	123	15	scf	scf	PROPN
fsr-3181	123	16	panel	panel	NOUN
fsr-3181	123	17	data	datum	NOUN
fsr-3181	123	18	,	,	PUNCT
fsr-3181	123	19	rather	rather	ADV
fsr-3181	123	20	than	than	ADP
fsr-3181	123	21	using	use	VERB
fsr-3181	123	22	other	other	ADJ
fsr-3181	123	23	household	household	NOUN
fsr-3181	123	24	panel	panel	NOUN
fsr-3181	123	25	data	datum	NOUN
fsr-3181	123	26	sources	source	NOUN
fsr-3181	123	27	including	include	VERB
fsr-3181	123	28	the	the	DET
fsr-3181	123	29	panel	panel	NOUN
fsr-3181	123	30	study	study	NOUN
fsr-3181	123	31	of	of	ADP
fsr-3181	123	32	income	income	NOUN
fsr-3181	123	33	dynamics	dynamic	NOUN
fsr-3181	123	34	,	,	PUNCT
fsr-3181	123	35	consumer	consumer	NOUN
fsr-3181	123	36	expenditure	expenditure	NOUN
fsr-3181	123	37	surveys	survey	NOUN
fsr-3181	123	38	,	,	PUNCT
fsr-3181	123	39	survey	survey	NOUN
fsr-3181	123	40	of	of	ADP
fsr-3181	123	41	income	income	NOUN
fsr-3181	123	42	and	and	CCONJ
fsr-3181	123	43	program	program	NOUN
fsr-3181	123	44	participation	participation	NOUN
fsr-3181	123	45	,	,	PUNCT
fsr-3181	123	46	and	and	CCONJ
fsr-3181	123	47	health	health	NOUN
fsr-3181	123	48	and	and	CCONJ
fsr-3181	123	49	retirement	retirement	NOUN
fsr-3181	123	50	survey	survey	NOUN
fsr-3181	123	51	.	.	PUNCT
fsr-3181	124	1	5	5	NUM
fsr-3181	124	2	see	see	VERB
fsr-3181	124	3	the	the	DET
fsr-3181	124	4	official	official	ADJ
fsr-3181	124	5	scf	scf	PROPN
fsr-3181	124	6	website	website	NOUN
fsr-3181	124	7	,	,	PUNCT
fsr-3181	124	8	https://www.federalreserve.gov/econres/scf-previoussurveys.htm	https://www.federalreserve.gov/econres/scf-previoussurveys.htm	PROPN
fsr-3181	124	9	,	,	PUNCT
fsr-3181	124	10	for	for	ADP
fsr-3181	124	11	more	more	ADJ
fsr-3181	124	12	information	information	NOUN
fsr-3181	124	13	.	.	PUNCT
fsr-3181	125	1	prices	price	NOUN
fsr-3181	125	2	during	during	ADP
fsr-3181	125	3	the	the	DET
fsr-3181	125	4	financial	financial	ADJ
fsr-3181	125	5	crisis	crisis	NOUN
fsr-3181	125	6	with	with	ADP
fsr-3181	125	7	a	a	DET
fsr-3181	125	8	low	low	ADJ
fsr-3181	125	9	frequency	frequency	NOUN
fsr-3181	125	10	of	of	ADP
fsr-3181	125	11	portfolio	portfolio	NOUN
fsr-3181	125	12	rebalancing	rebalancing	NOUN
fsr-3181	125	13	.	.	PUNCT
fsr-3181	126	1	hoopes	hoopes	PROPN
fsr-3181	126	2	et	et	PROPN
fsr-3181	126	3	al	al	PROPN
fsr-3181	126	4	.	.	PROPN
fsr-3181	127	1	(	(	PUNCT
fsr-3181	127	2	2016	2016	NUM
fsr-3181	127	3	)	)	PUNCT
fsr-3181	127	4	find	find	VERB
fsr-3181	127	5	that	that	SCONJ
fsr-3181	127	6	households	household	NOUN
fsr-3181	127	7	in	in	ADP
fsr-3181	127	8	the	the	DET
fsr-3181	127	9	very	very	ADV
fsr-3181	127	10	highest	high	ADJ
fsr-3181	127	11	income	income	NOUN
fsr-3181	127	12	groups	group	NOUN
fsr-3181	127	13	rebalanced	rebalance	VERB
fsr-3181	127	14	their	their	PRON
fsr-3181	127	15	financial	financial	ADJ
fsr-3181	127	16	portfolios	portfolio	NOUN
fsr-3181	127	17	more	more	ADV
fsr-3181	127	18	actively	actively	ADV
fsr-3181	127	19	than	than	ADP
fsr-3181	127	20	others	other	NOUN
fsr-3181	127	21	throughout	throughout	ADP
fsr-3181	127	22	the	the	DET
fsr-3181	127	23	financial	financial	ADJ
fsr-3181	127	24	crisis	crisis	NOUN
fsr-3181	127	25	,	,	PUNCT
fsr-3181	127	26	implying	imply	VERB
fsr-3181	127	27	that	that	SCONJ
fsr-3181	127	28	portfolio	portfolio	NOUN
fsr-3181	127	29	rebalancing	rebalancing	NOUN
fsr-3181	127	30	decisions	decision	NOUN
fsr-3181	127	31	vary	vary	VERB
fsr-3181	127	32	across	across	ADP
fsr-3181	127	33	households	household	NOUN
fsr-3181	127	34	during	during	ADP
fsr-3181	127	35	recessions	recession	NOUN
fsr-3181	127	36	.	.	PUNCT
fsr-3181	128	1	however	however	ADV
fsr-3181	128	2	,	,	PUNCT
fsr-3181	128	3	prior	prior	ADJ
fsr-3181	128	4	insurance	insurance	NOUN
fsr-3181	128	5	literature	literature	NOUN
fsr-3181	128	6	has	have	AUX
fsr-3181	128	7	not	not	PART
fsr-3181	128	8	distinguished	distinguish	VERB
fsr-3181	128	9	between	between	ADP
fsr-3181	128	10	household	household	NOUN
fsr-3181	128	11	portfolio	portfolio	NOUN
fsr-3181	128	12	shifts	shift	NOUN
fsr-3181	128	13	resulting	result	VERB
fsr-3181	128	14	from	from	ADP
fsr-3181	128	15	passive	passive	ADJ
fsr-3181	128	16	acceptance	acceptance	NOUN
fsr-3181	128	17	and	and	CCONJ
fsr-3181	128	18	those	those	PRON
fsr-3181	128	19	resulting	result	VERB
fsr-3181	128	20	from	from	ADP
fsr-3181	128	21	active	active	ADJ
fsr-3181	128	22	decisions	decision	NOUN
fsr-3181	128	23	of	of	ADP
fsr-3181	128	24	portfolio	portfolio	NOUN
fsr-3181	128	25	restructuring	restructuring	NOUN
fsr-3181	128	26	.	.	PUNCT
fsr-3181	129	1	our	our	PRON
fsr-3181	129	2	study	study	NOUN
fsr-3181	129	3	aims	aim	VERB
fsr-3181	129	4	to	to	PART
fsr-3181	129	5	bridge	bridge	VERB
fsr-3181	129	6	this	this	DET
fsr-3181	129	7	gap	gap	NOUN
fsr-3181	129	8	by	by	ADP
fsr-3181	129	9	focusing	focus	VERB
fsr-3181	129	10	on	on	ADP
fsr-3181	129	11	examining	examine	VERB
fsr-3181	129	12	the	the	DET
fsr-3181	129	13	impact	impact	NOUN
fsr-3181	129	14	of	of	ADP
fsr-3181	129	15	households	household	NOUN
fsr-3181	129	16	'	'	PART
fsr-3181	129	17	active	active	ADJ
fsr-3181	129	18	portfolio	portfolio	NOUN
fsr-3181	129	19	allocation	allocation	NOUN
fsr-3181	129	20	decisions	decision	NOUN
fsr-3181	129	21	on	on	ADP
fsr-3181	129	22	the	the	DET
fsr-3181	129	23	demand	demand	NOUN
fsr-3181	129	24	for	for	ADP
fsr-3181	129	25	life	life	NOUN
fsr-3181	129	26	insurance	insurance	NOUN
fsr-3181	129	27	.	.	PUNCT
fsr-3181	130	1	data	datum	NOUN
fsr-3181	130	2	and	and	CCONJ
fsr-3181	130	3	methodology	methodology	NOUN
fsr-3181	130	4	data	datum	NOUN
fsr-3181	130	5	this	this	DET
fsr-3181	130	6	paper	paper	NOUN
fsr-3181	130	7	examines	examine	VERB
fsr-3181	130	8	household	household	NOUN
fsr-3181	130	9	portfolio	portfolio	NOUN
fsr-3181	130	10	allocation	allocation	NOUN
fsr-3181	130	11	decisions	decision	NOUN
fsr-3181	130	12	that	that	PRON
fsr-3181	130	13	are	be	AUX
fsr-3181	130	14	hypothesized	hypothesize	VERB
fsr-3181	130	15	to	to	PART
fsr-3181	130	16	impact	impact	VERB
fsr-3181	130	17	the	the	DET
fsr-3181	130	18	demand	demand	NOUN
fsr-3181	130	19	for	for	ADP
fsr-3181	130	20	life	life	NOUN
fsr-3181	130	21	insurance	insurance	NOUN
fsr-3181	130	22	in	in	ADP
fsr-3181	130	23	a	a	DET
fsr-3181	130	24	dynamic	dynamic	ADJ
fsr-3181	130	25	setting	setting	NOUN
fsr-3181	130	26	during	during	ADP
fsr-3181	130	27	the	the	DET
fsr-3181	130	28	2008	2008	NUM
fsr-3181	130	29	financial	financial	ADJ
fsr-3181	130	30	crisis	crisis	NOUN
fsr-3181	130	31	.	.	PUNCT
fsr-3181	131	1	we	we	PRON
fsr-3181	131	2	use	use	VERB
fsr-3181	131	3	the	the	DET
fsr-3181	131	4	scf	scf	PROPN
fsr-3181	131	5	data	data	PROPN
fsr-3181	131	6	,	,	PUNCT
fsr-3181	131	7	a	a	DET
fsr-3181	131	8	nationwide	nationwide	ADJ
fsr-3181	131	9	household	household	NOUN
fsr-3181	131	10	survey	survey	NOUN
fsr-3181	131	11	that	that	PRON
fsr-3181	131	12	has	have	AUX
fsr-3181	131	13	been	be	AUX
fsr-3181	131	14	used	use	VERB
fsr-3181	131	15	extensively	extensively	ADV
fsr-3181	131	16	in	in	ADP
fsr-3181	131	17	prior	prior	ADJ
fsr-3181	131	18	literature	literature	NOUN
fsr-3181	131	19	to	to	PART
fsr-3181	131	20	explore	explore	VERB
fsr-3181	131	21	the	the	DET
fsr-3181	131	22	demand	demand	NOUN
fsr-3181	131	23	for	for	ADP
fsr-3181	131	24	life	life	NOUN
fsr-3181	131	25	insurance	insurance	NOUN
fsr-3181	131	26	(	(	PUNCT
fsr-3181	131	27	hau	hau	NOUN
fsr-3181	131	28	,	,	PUNCT
fsr-3181	131	29	2000	2000	NUM
fsr-3181	131	30	;	;	PUNCT
fsr-3181	131	31	lin	lin	PROPN
fsr-3181	131	32	&	&	CCONJ
fsr-3181	131	33	grace	grace	PROPN
fsr-3181	131	34	,	,	PUNCT
fsr-3181	131	35	2007	2007	NUM
fsr-3181	131	36	;	;	PUNCT
fsr-3181	131	37	liebenberg	liebenberg	PROPN
fsr-3181	131	38	et	et	PROPN
fsr-3181	131	39	al	al	PROPN
fsr-3181	131	40	.	.	PROPN
fsr-3181	131	41	,	,	PUNCT
fsr-3181	131	42	2012	2012	NUM
fsr-3181	131	43	;	;	PUNCT
fsr-3181	131	44	glumov	glumov	NOUN
fsr-3181	131	45	,	,	PUNCT
fsr-3181	131	46	2013	2013	NUM
fsr-3181	131	47	;	;	PUNCT
fsr-3181	131	48	scott	scott	PROPN
fsr-3181	131	49	&	&	CCONJ
fsr-3181	131	50	gilliam	gilliam	PROPN
fsr-3181	131	51	,	,	PUNCT
fsr-3181	131	52	2014	2014	NUM
fsr-3181	131	53	;	;	PUNCT
fsr-3181	131	54	wang	wang	PROPN
fsr-3181	131	55	,	,	PUNCT
fsr-3181	131	56	2023)4	2023)4	NUM
fsr-3181	131	57	.	.	PUNCT
fsr-3181	132	1	the	the	DET
fsr-3181	132	2	scf	scf	PROPN
fsr-3181	132	3	data	datum	NOUN
fsr-3181	132	4	includes	include	VERB
fsr-3181	132	5	information	information	NOUN
fsr-3181	132	6	about	about	ADP
fsr-3181	132	7	household	household	NOUN
fsr-3181	132	8	characteristics	characteristic	NOUN
fsr-3181	132	9	and	and	CCONJ
fsr-3181	132	10	economic	economic	ADJ
fsr-3181	132	11	status	status	NOUN
fsr-3181	132	12	,	,	PUNCT
fsr-3181	132	13	as	as	ADV
fsr-3181	132	14	well	well	ADV
fsr-3181	132	15	as	as	ADP
fsr-3181	132	16	the	the	DET
fsr-3181	132	17	allocation	allocation	NOUN
fsr-3181	132	18	of	of	ADP
fsr-3181	132	19	household	household	NOUN
fsr-3181	132	20	portfolios	portfolio	NOUN
fsr-3181	132	21	.	.	PUNCT
fsr-3181	133	1	the	the	DET
fsr-3181	133	2	data	datum	NOUN
fsr-3181	133	3	oversamples	oversample	NOUN
fsr-3181	133	4	wealthier	wealthy	ADJ
fsr-3181	133	5	households	household	NOUN
fsr-3181	133	6	which	which	PRON
fsr-3181	133	7	are	be	AUX
fsr-3181	133	8	expected	expect	VERB
fsr-3181	133	9	to	to	PART
fsr-3181	133	10	hold	hold	VERB
fsr-3181	133	11	a	a	DET
fsr-3181	133	12	variety	variety	NOUN
fsr-3181	133	13	of	of	ADP
fsr-3181	133	14	financial	financial	ADJ
fsr-3181	133	15	assets	asset	NOUN
fsr-3181	133	16	and	and	CCONJ
fsr-3181	133	17	rebalance	rebalance	VERB
fsr-3181	133	18	their	their	PRON
fsr-3181	133	19	financial	financial	ADJ
fsr-3181	133	20	portfolios	portfolio	NOUN
fsr-3181	133	21	as	as	SCONJ
fsr-3181	133	22	situations	situation	NOUN
fsr-3181	133	23	evolve	evolve	VERB
fsr-3181	133	24	(	(	PUNCT
fsr-3181	133	25	see	see	VERB
fsr-3181	133	26	glumov	glumov	NOUN
fsr-3181	133	27	,	,	PUNCT
fsr-3181	133	28	2013	2013	NUM
fsr-3181	133	29	;	;	PUNCT
fsr-3181	133	30	hoopes	hoopes	PROPN
fsr-3181	133	31	et	et	PROPN
fsr-3181	133	32	al	al	PROPN
fsr-3181	133	33	.	.	PROPN
fsr-3181	133	34	,	,	PUNCT
fsr-3181	133	35	2016	2016	NUM
fsr-3181	133	36	)	)	PUNCT
fsr-3181	133	37	.	.	PUNCT
fsr-3181	134	1	in	in	ADP
fsr-3181	134	2	the	the	DET
fsr-3181	134	3	history	history	NOUN
fsr-3181	134	4	of	of	ADP
fsr-3181	134	5	the	the	DET
fsr-3181	134	6	scf	scf	PROPN
fsr-3181	134	7	,	,	PUNCT
fsr-3181	134	8	only	only	ADV
fsr-3181	134	9	two	two	NUM
fsr-3181	134	10	panel	panel	NOUN
fsr-3181	134	11	datasets	dataset	NOUN
fsr-3181	134	12	are	be	AUX
fsr-3181	134	13	available	available	ADJ
fsr-3181	134	14	:	:	PUNCT
fsr-3181	134	15	one	one	NUM
fsr-3181	134	16	spanning	span	VERB
fsr-3181	134	17	from	from	ADP
fsr-3181	134	18	1983	1983	NUM
fsr-3181	134	19	to	to	ADP
fsr-3181	134	20	1989	1989	NUM
fsr-3181	134	21	,	,	PUNCT
fsr-3181	134	22	and	and	CCONJ
fsr-3181	134	23	the	the	DET
fsr-3181	134	24	other	other	ADJ
fsr-3181	134	25	from	from	ADP
fsr-3181	134	26	2007	2007	NUM
fsr-3181	134	27	to	to	ADP
fsr-3181	134	28	20095	20095	NUM
fsr-3181	134	29	.	.	PUNCT
fsr-3181	135	1	our	our	PRON
fsr-3181	135	2	study	study	NOUN
fsr-3181	135	3	utilizes	utilize	VERB
fsr-3181	135	4	the	the	DET
fsr-3181	135	5	more	more	ADV
fsr-3181	135	6	recent	recent	ADJ
fsr-3181	135	7	dataset	dataset	NOUN
fsr-3181	135	8	,	,	PUNCT
fsr-3181	135	9	as	as	SCONJ
fsr-3181	135	10	it	it	PRON
fsr-3181	135	11	holds	hold	VERB
fsr-3181	135	12	greater	great	ADJ
fsr-3181	135	13	relevance	relevance	NOUN
fsr-3181	135	14	and	and	CCONJ
fsr-3181	135	15	value6	value6	NOUN
fsr-3181	135	16	.	.	PUNCT
fsr-3181	136	1	in	in	ADP
fsr-3181	136	2	the	the	DET
fsr-3181	136	3	2007	2007	NUM
fsr-3181	136	4	6	6	NUM
fsr-3181	136	5	we	we	PRON
fsr-3181	136	6	have	have	AUX
fsr-3181	136	7	omitted	omit	VERB
fsr-3181	136	8	the	the	DET
fsr-3181	136	9	years	year	NOUN
fsr-3181	136	10	spanning	span	VERB
fsr-3181	136	11	from	from	ADP
fsr-3181	136	12	1983	1983	NUM
fsr-3181	136	13	to	to	ADP
fsr-3181	136	14	1989	1989	NUM
fsr-3181	136	15	from	from	ADP
fsr-3181	136	16	our	our	PRON
fsr-3181	136	17	paper	paper	NOUN
fsr-3181	136	18	due	due	ADP
fsr-3181	136	19	to	to	ADP
fsr-3181	136	20	the	the	DET
fsr-3181	136	21	lack	lack	NOUN
fsr-3181	136	22	of	of	ADP
fsr-3181	136	23	relevant	relevant	ADJ
fsr-3181	136	24	inquiries	inquiry	NOUN
fsr-3181	136	25	regarding	regard	VERB
fsr-3181	136	26	active	active	ADJ
fsr-3181	136	27	decision	decision	NOUN
fsr-3181	136	28	-	-	PUNCT
fsr-3181	136	29	making	making	NOUN
fsr-3181	136	30	for	for	ADP
fsr-3181	136	31	financial	financial	ADJ
fsr-3181	136	32	portfolios	portfolio	NOUN
fsr-3181	136	33	within	within	ADP
fsr-3181	136	34	the	the	DET
fsr-3181	136	35	1983	1983	NUM
fsr-3181	136	36	-	-	SYM
fsr-3181	136	37	1989	1989	NUM
fsr-3181	136	38	scf	scf	PROPN
fsr-3181	136	39	panel	panel	NOUN
fsr-3181	136	40	survey	survey	NOUN
fsr-3181	136	41	.	.	PUNCT
fsr-3181	137	1	the	the	DET
fsr-3181	137	2	1983	1983	NUM
fsr-3181	137	3	-	-	SYM
fsr-3181	137	4	1989	1989	NUM
fsr-3181	137	5	scf	scf	PROPN
fsr-3181	137	6	codebook	codebook	NOUN
fsr-3181	137	7	can	can	AUX
fsr-3181	137	8	be	be	AUX
fsr-3181	137	9	accessed	access	VERB
fsr-3181	137	10	through	through	ADP
fsr-3181	137	11	this	this	DET
fsr-3181	137	12	website	website	NOUN
fsr-3181	137	13	link	link	NOUN
fsr-3181	137	14	,	,	PUNCT
fsr-3181	137	15	https://www.federalreserve.gov/econres/files/1989p	https://www.federalreserve.gov/econres/files/1989p	PROPN
fsr-3181	137	16	_	_	NOUN
fsr-3181	137	17	codebk89p.txt	codebk89p.txt	PROPN
fsr-3181	137	18	.	.	PUNCT
fsr-3181	138	1	for	for	ADP
fsr-3181	138	2	the	the	DET
fsr-3181	138	3	specific	specific	ADJ
fsr-3181	138	4	inquiries	inquiry	NOUN
fsr-3181	138	5	regarding	regard	VERB
fsr-3181	138	6	household	household	NOUN
fsr-3181	138	7	portfolio	portfolio	NOUN
fsr-3181	138	8	allocation	allocation	NOUN
fsr-3181	138	9	decisions	decision	NOUN
fsr-3181	138	10	discussed	discuss	VERB
fsr-3181	138	11	in	in	ADP
fsr-3181	138	12	this	this	DET
fsr-3181	138	13	paper	paper	NOUN
fsr-3181	138	14	,	,	PUNCT
fsr-3181	138	15	we	we	PRON
fsr-3181	138	16	have	have	AUX
fsr-3181	138	17	sourced	source	VERB
fsr-3181	138	18	data	datum	NOUN
fsr-3181	138	19	from	from	ADP
fsr-3181	138	20	the	the	DET
fsr-3181	138	21	2007	2007	NUM
fsr-3181	138	22	-	-	SYM
fsr-3181	138	23	2009	2009	NUM
fsr-3181	138	24	https://www.federalreserve.gov/econres/scf-previous-surveys.htm	https://www.federalreserve.gov/econres/scf-previous-surveys.htm	NOUN
fsr-3181	138	25	https://www.federalreserve.gov/econres/scf-previous-surveys.htm	https://www.federalreserve.gov/econres/scf-previous-surveys.htm	PROPN
fsr-3181	138	26	https://www.federalreserve.gov/econres/files/1989p_codebk89p.txt	https://www.federalreserve.gov/econres/files/1989p_codebk89p.txt	PROPN
fsr-3181	138	27	https://www.federalreserve.gov/econres/files/1989p_codebk89p.txt	https://www.federalreserve.gov/econres/files/1989p_codebk89p.txt	PROPN
fsr-3181	138	28	financial	financial	ADJ
fsr-3181	138	29	services	service	NOUN
fsr-3181	138	30	review	review	NOUN
fsr-3181	138	31	,	,	PUNCT
fsr-3181	138	32	32(1	32(1	NUM
fsr-3181	138	33	)	)	PUNCT
fsr-3181	138	34	6	6	NUM
fsr-3181	138	35	scf	scf	PROPN
fsr-3181	138	36	,	,	PUNCT
fsr-3181	138	37	89	89	NUM
fsr-3181	138	38	%	%	NOUN
fsr-3181	138	39	(	(	PUNCT
fsr-3181	138	40	3,857	3,857	NUM
fsr-3181	138	41	)	)	PUNCT
fsr-3181	138	42	of	of	ADP
fsr-3181	138	43	eligible	eligible	ADJ
fsr-3181	138	44	households	household	NOUN
fsr-3181	138	45	agreed	agree	VERB
fsr-3181	138	46	to	to	PART
fsr-3181	138	47	complete	complete	VERB
fsr-3181	138	48	a	a	DET
fsr-3181	138	49	panel	panel	NOUN
fsr-3181	138	50	interview	interview	NOUN
fsr-3181	138	51	in	in	ADP
fsr-3181	138	52	2009	2009	NUM
fsr-3181	138	53	,	,	PUNCT
fsr-3181	138	54	which	which	PRON
fsr-3181	138	55	was	be	AUX
fsr-3181	138	56	included	include	VERB
fsr-3181	138	57	in	in	ADP
fsr-3181	138	58	the	the	DET
fsr-3181	138	59	2007	2007	NUM
fsr-3181	138	60	-	-	SYM
fsr-3181	138	61	2009	2009	NUM
fsr-3181	138	62	scf	scf	PROPN
fsr-3181	138	63	panel	panel	NOUN
fsr-3181	138	64	data	datum	NOUN
fsr-3181	138	65	set	set	VERB
fsr-3181	138	66	.	.	PUNCT
fsr-3181	139	1	this	this	DET
fsr-3181	139	2	panel	panel	NOUN
fsr-3181	139	3	data	datum	NOUN
fsr-3181	139	4	enables	enable	VERB
fsr-3181	139	5	us	we	PRON
fsr-3181	139	6	to	to	PART
fsr-3181	139	7	identify	identify	VERB
fsr-3181	139	8	the	the	DET
fsr-3181	139	9	decision	decision	NOUN
fsr-3181	139	10	-	-	PUNCT
fsr-3181	139	11	making	making	NOUN
fsr-3181	139	12	for	for	ADP
fsr-3181	139	13	household	household	NOUN
fsr-3181	139	14	portfolio	portfolio	NOUN
fsr-3181	139	15	allocation	allocation	NOUN
fsr-3181	139	16	as	as	ADV
fsr-3181	139	17	well	well	ADV
fsr-3181	139	18	as	as	ADP
fsr-3181	139	19	the	the	DET
fsr-3181	139	20	life	life	NOUN
fsr-3181	139	21	insurance	insurance	NOUN
fsr-3181	139	22	ownership	ownership	NOUN
fsr-3181	139	23	and	and	CCONJ
fsr-3181	139	24	coverage	coverage	NOUN
fsr-3181	139	25	for	for	ADP
fsr-3181	139	26	the	the	DET
fsr-3181	139	27	same	same	ADJ
fsr-3181	139	28	household	household	NOUN
fsr-3181	139	29	since	since	SCONJ
fsr-3181	139	30	2007	2007	NUM
fsr-3181	139	31	.	.	PUNCT
fsr-3181	140	1	therefore	therefore	ADV
fsr-3181	140	2	,	,	PUNCT
fsr-3181	140	3	this	this	DET
fsr-3181	140	4	data	datum	NOUN
fsr-3181	140	5	set	set	VERB
fsr-3181	140	6	is	be	AUX
fsr-3181	140	7	well	well	ADV
fsr-3181	140	8	-	-	PUNCT
fsr-3181	140	9	suited	suited	ADJ
fsr-3181	140	10	to	to	ADP
fsr-3181	140	11	exploring	explore	VERB
fsr-3181	140	12	the	the	DET
fsr-3181	140	13	dynamic	dynamic	ADJ
fsr-3181	140	14	effects	effect	NOUN
fsr-3181	140	15	of	of	ADP
fsr-3181	140	16	household	household	NOUN
fsr-3181	140	17	portfolio	portfolio	NOUN
fsr-3181	140	18	allocation	allocation	NOUN
fsr-3181	140	19	decisions	decision	NOUN
fsr-3181	140	20	on	on	ADP
fsr-3181	140	21	life	life	NOUN
fsr-3181	140	22	insurance	insurance	NOUN
fsr-3181	140	23	ownership	ownership	NOUN
fsr-3181	140	24	and	and	CCONJ
fsr-3181	140	25	coverage	coverage	NOUN
fsr-3181	140	26	decisions	decision	NOUN
fsr-3181	140	27	.	.	PUNCT
fsr-3181	141	1	methodology	methodology	NOUN
fsr-3181	141	2	to	to	PART
fsr-3181	141	3	study	study	VERB
fsr-3181	141	4	life	life	NOUN
fsr-3181	141	5	insurance	insurance	NOUN
fsr-3181	141	6	ownership	ownership	NOUN
fsr-3181	141	7	:	:	PUNCT
fsr-3181	141	8	the	the	DET
fsr-3181	141	9	probit	probit	NOUN
fsr-3181	141	10	models	model	NOUN
fsr-3181	141	11	we	we	PRON
fsr-3181	141	12	apply	apply	VERB
fsr-3181	141	13	the	the	DET
fsr-3181	141	14	two	two	NUM
fsr-3181	141	15	-	-	PUNCT
fsr-3181	141	16	part	part	NOUN
fsr-3181	141	17	cragg	cragg	NOUN
fsr-3181	141	18	model	model	NOUN
fsr-3181	141	19	to	to	PART
fsr-3181	141	20	estimate	estimate	VERB
fsr-3181	141	21	the	the	DET
fsr-3181	141	22	determinants	determinant	NOUN
fsr-3181	141	23	of	of	ADP
fsr-3181	141	24	the	the	DET
fsr-3181	141	25	demand	demand	NOUN
fsr-3181	141	26	for	for	ADP
fsr-3181	141	27	life	life	NOUN
fsr-3181	141	28	insurance	insurance	NOUN
fsr-3181	141	29	(	(	PUNCT
fsr-3181	141	30	cragg	cragg	PROPN
fsr-3181	141	31	,	,	PUNCT
fsr-3181	141	32	1971	1971	NUM
fsr-3181	141	33	;	;	PUNCT
fsr-3181	142	1	liebenberg	liebenberg	PROPN
fsr-3181	142	2	et	et	PROPN
fsr-3181	142	3	al	al	PROPN
fsr-3181	142	4	.	.	PROPN
fsr-3181	142	5	,	,	PUNCT
fsr-3181	142	6	2012	2012	NUM
fsr-3181	142	7	;	;	PUNCT
fsr-3181	142	8	wang	wang	PROPN
fsr-3181	142	9	,	,	PUNCT
fsr-3181	142	10	2023	2023	NUM
fsr-3181	142	11	)	)	PUNCT
fsr-3181	142	12	,	,	PUNCT
fsr-3181	142	13	considering	consider	VERB
fsr-3181	142	14	that	that	SCONJ
fsr-3181	142	15	many	many	ADJ
fsr-3181	142	16	households	household	NOUN
fsr-3181	142	17	in	in	ADP
fsr-3181	142	18	the	the	DET
fsr-3181	142	19	survey	survey	NOUN
fsr-3181	142	20	sample	sample	NOUN
fsr-3181	142	21	do	do	AUX
fsr-3181	142	22	not	not	PART
fsr-3181	142	23	hold	hold	VERB
fsr-3181	142	24	life	life	NOUN
fsr-3181	142	25	insurance	insurance	NOUN
fsr-3181	142	26	.	.	PUNCT
fsr-3181	143	1	this	this	DET
fsr-3181	143	2	modeling	modeling	NOUN
fsr-3181	143	3	approach	approach	NOUN
fsr-3181	143	4	allows	allow	VERB
fsr-3181	143	5	for	for	ADP
fsr-3181	143	6	a	a	DET
fsr-3181	143	7	separate	separate	ADJ
fsr-3181	143	8	analysis	analysis	NOUN
fsr-3181	143	9	of	of	ADP
fsr-3181	143	10	household	household	NOUN
fsr-3181	143	11	decisions	decision	NOUN
fsr-3181	143	12	on	on	ADP
fsr-3181	143	13	life	life	NOUN
fsr-3181	143	14	insurance	insurance	NOUN
fsr-3181	143	15	ownership	ownership	NOUN
fsr-3181	143	16	status	status	NOUN
fsr-3181	143	17	and	and	CCONJ
fsr-3181	143	18	coverage	coverage	NOUN
fsr-3181	143	19	amount	amount	NOUN
fsr-3181	143	20	.	.	PUNCT
fsr-3181	144	1	specifically	specifically	ADV
fsr-3181	144	2	,	,	PUNCT
fsr-3181	144	3	in	in	ADP
fsr-3181	144	4	the	the	DET
fsr-3181	144	5	first	first	ADJ
fsr-3181	144	6	part	part	NOUN
fsr-3181	144	7	,	,	PUNCT
fsr-3181	144	8	we	we	PRON
fsr-3181	144	9	use	use	VERB
fsr-3181	144	10	probit	probit	NOUN
fsr-3181	144	11	regression	regression	NOUN
fsr-3181	144	12	models	model	NOUN
fsr-3181	144	13	to	to	PART
fsr-3181	144	14	identify	identify	VERB
fsr-3181	144	15	the	the	DET
fsr-3181	144	16	determinants	determinant	NOUN
fsr-3181	144	17	of	of	ADP
fsr-3181	144	18	life	life	NOUN
fsr-3181	144	19	insurance	insurance	NOUN
fsr-3181	144	20	ownership	ownership	NOUN
fsr-3181	144	21	decisions	decision	NOUN
fsr-3181	144	22	for	for	ADP
fsr-3181	144	23	the	the	DET
fsr-3181	144	24	full	full	ADJ
fsr-3181	144	25	sample	sample	NOUN
fsr-3181	144	26	of	of	ADP
fsr-3181	144	27	households	household	NOUN
fsr-3181	144	28	.	.	PUNCT
fsr-3181	145	1	in	in	ADP
fsr-3181	145	2	the	the	DET
fsr-3181	145	3	second	second	ADJ
fsr-3181	145	4	part	part	NOUN
fsr-3181	145	5	,	,	PUNCT
fsr-3181	145	6	we	we	PRON
fsr-3181	145	7	develop	develop	VERB
fsr-3181	145	8	truncated	truncated	ADJ
fsr-3181	145	9	regression	regression	NOUN
fsr-3181	145	10	models	model	NOUN
fsr-3181	145	11	to	to	PART
fsr-3181	145	12	explore	explore	VERB
fsr-3181	145	13	the	the	DET
fsr-3181	145	14	determinants	determinant	NOUN
fsr-3181	145	15	of	of	ADP
fsr-3181	145	16	life	life	NOUN
fsr-3181	145	17	insurance	insurance	NOUN
fsr-3181	145	18	coverage	coverage	NOUN
fsr-3181	145	19	decisions	decision	NOUN
fsr-3181	145	20	for	for	ADP
fsr-3181	145	21	the	the	DET
fsr-3181	145	22	subsamples	subsample	NOUN
fsr-3181	145	23	of	of	ADP
fsr-3181	145	24	households	household	NOUN
fsr-3181	145	25	that	that	PRON
fsr-3181	145	26	experienced	experience	VERB
fsr-3181	145	27	changes	change	NOUN
fsr-3181	145	28	in	in	ADP
fsr-3181	145	29	life	life	NOUN
fsr-3181	145	30	insurance	insurance	NOUN
fsr-3181	145	31	ownership	ownership	NOUN
fsr-3181	145	32	.	.	PUNCT
fsr-3181	146	1	the	the	DET
fsr-3181	146	2	first	first	ADJ
fsr-3181	146	3	part	part	NOUN
fsr-3181	146	4	of	of	ADP
fsr-3181	146	5	the	the	DET
fsr-3181	146	6	cragg	cragg	NOUN
fsr-3181	146	7	model	model	NOUN
fsr-3181	146	8	examines	examine	VERB
fsr-3181	146	9	the	the	DET
fsr-3181	146	10	likelihood	likelihood	NOUN
fsr-3181	146	11	of	of	ADP
fsr-3181	146	12	life	life	NOUN
fsr-3181	146	13	insurance	insurance	NOUN
fsr-3181	146	14	ownership	ownership	NOUN
fsr-3181	146	15	changes	change	NOUN
fsr-3181	146	16	,	,	PUNCT
fsr-3181	146	17	in	in	ADP
fsr-3181	146	18	relation	relation	NOUN
fsr-3181	146	19	to	to	ADP
fsr-3181	146	20	those	those	PRON
fsr-3181	146	21	that	that	PRON
fsr-3181	146	22	did	do	AUX
fsr-3181	146	23	not	not	PART
fsr-3181	146	24	change	change	VERB
fsr-3181	146	25	their	their	PRON
fsr-3181	146	26	life	life	NOUN
fsr-3181	146	27	insurance	insurance	NOUN
fsr-3181	146	28	ownership	ownership	NOUN
fsr-3181	146	29	decisions	decision	NOUN
fsr-3181	146	30	.	.	PUNCT
fsr-3181	147	1	the	the	DET
fsr-3181	147	2	changes	change	NOUN
fsr-3181	147	3	in	in	ADP
fsr-3181	147	4	life	life	NOUN
fsr-3181	147	5	insurance	insurance	NOUN
fsr-3181	147	6	ownership	ownership	NOUN
fsr-3181	147	7	include	include	VERB
fsr-3181	147	8	initiating	initiate	VERB
fsr-3181	147	9	,	,	PUNCT
fsr-3181	147	10	increasing	increase	VERB
fsr-3181	147	11	,	,	PUNCT
fsr-3181	147	12	decreasing	decreasing	NOUN
fsr-3181	147	13	,	,	PUNCT
fsr-3181	147	14	and	and	CCONJ
fsr-3181	147	15	dropping	drop	VERB
fsr-3181	147	16	term	term	NOUN
fsr-3181	147	17	or	or	CCONJ
fsr-3181	147	18	whole	whole	ADJ
fsr-3181	147	19	life	life	NOUN
fsr-3181	147	20	insurance	insurance	NOUN
fsr-3181	147	21	.	.	PUNCT
fsr-3181	148	1	the	the	DET
fsr-3181	148	2	analysis	analysis	NOUN
fsr-3181	148	3	focuses	focus	VERB
fsr-3181	148	4	on	on	ADP
fsr-3181	148	5	four	four	NUM
fsr-3181	148	6	types	type	NOUN
fsr-3181	148	7	of	of	ADP
fsr-3181	148	8	households	household	NOUN
fsr-3181	148	9	that	that	PRON
fsr-3181	148	10	experienced	experience	VERB
fsr-3181	148	11	changes	change	NOUN
fsr-3181	148	12	in	in	ADP
fsr-3181	148	13	life	life	NOUN
fsr-3181	148	14	insurance	insurance	NOUN
fsr-3181	148	15	ownership	ownership	NOUN
fsr-3181	148	16	from	from	ADP
fsr-3181	148	17	2007	2007	NUM
fsr-3181	148	18	to	to	ADP
fsr-3181	148	19	2009	2009	NUM
fsr-3181	148	20	:	:	PUNCT
fsr-3181	148	21	1	1	X
fsr-3181	148	22	)	)	PUNCT
fsr-3181	148	23	those	those	PRON
fsr-3181	148	24	that	that	PRON
fsr-3181	148	25	initiated	initiate	VERB
fsr-3181	148	26	or	or	CCONJ
fsr-3181	148	27	increased	increase	VERB
fsr-3181	148	28	term	term	NOUN
fsr-3181	148	29	life	life	NOUN
fsr-3181	148	30	insurance	insurance	NOUN
fsr-3181	148	31	,	,	PUNCT
fsr-3181	148	32	2	2	X
fsr-3181	148	33	)	)	PUNCT
fsr-3181	148	34	those	those	PRON
fsr-3181	148	35	that	that	PRON
fsr-3181	148	36	initiated	initiate	VERB
fsr-3181	148	37	or	or	CCONJ
fsr-3181	148	38	increased	increase	VERB
fsr-3181	148	39	whole	whole	ADJ
fsr-3181	148	40	life	life	NOUN
fsr-3181	148	41	insurance	insurance	NOUN
fsr-3181	148	42	,	,	PUNCT
fsr-3181	148	43	3	3	X
fsr-3181	148	44	)	)	PUNCT
fsr-3181	148	45	those	those	PRON
fsr-3181	148	46	that	that	PRON
fsr-3181	148	47	decreased	decrease	VERB
fsr-3181	148	48	or	or	CCONJ
fsr-3181	148	49	dropped	drop	VERB
fsr-3181	148	50	term	term	NOUN
fsr-3181	148	51	life	life	NOUN
fsr-3181	148	52	insurance	insurance	NOUN
fsr-3181	148	53	,	,	PUNCT
fsr-3181	148	54	and	and	CCONJ
fsr-3181	149	1	4	4	X
fsr-3181	149	2	)	)	PUNCT
fsr-3181	149	3	those	those	DET
fsr-3181	149	4	that	that	PRON
fsr-3181	149	5	decreased	decrease	VERB
fsr-3181	149	6	or	or	CCONJ
fsr-3181	149	7	dropped	drop	VERB
fsr-3181	149	8	whole	whole	ADJ
fsr-3181	149	9	life	life	NOUN
fsr-3181	149	10	insurance	insurance	NOUN
fsr-3181	149	11	.	.	PUNCT
fsr-3181	150	1	equations	equation	NOUN
fsr-3181	150	2	(	(	PUNCT
fsr-3181	150	3	1	1	X
fsr-3181	150	4	)	)	PUNCT
fsr-3181	150	5	to	to	ADP
fsr-3181	150	6	(	(	PUNCT
fsr-3181	150	7	4	4	X
fsr-3181	150	8	)	)	PUNCT
fsr-3181	150	9	represent	represent	VERB
fsr-3181	150	10	the	the	DET
fsr-3181	150	11	probit	probit	NOUN
fsr-3181	150	12	regression	regression	NOUN
fsr-3181	150	13	models	model	NOUN
fsr-3181	150	14	that	that	PRON
fsr-3181	150	15	are	be	AUX
fsr-3181	150	16	developed	develop	VERB
fsr-3181	150	17	to	to	PART
fsr-3181	150	18	identify	identify	VERB
fsr-3181	150	19	scf	scf	PROPN
fsr-3181	150	20	panel	panel	NOUN
fsr-3181	150	21	survey	survey	NOUN
fsr-3181	150	22	.	.	PUNCT
fsr-3181	151	1	see	see	VERB
fsr-3181	151	2	appendix	appendix	VERB
fsr-3181	151	3	a	a	PRON
fsr-3181	151	4	for	for	ADP
fsr-3181	151	5	these	these	DET
fsr-3181	151	6	inquiries	inquiry	NOUN
fsr-3181	151	7	.	.	PUNCT
fsr-3181	152	1	while	while	SCONJ
fsr-3181	152	2	the	the	DET
fsr-3181	152	3	data	datum	NOUN
fsr-3181	152	4	are	be	AUX
fsr-3181	152	5	not	not	PART
fsr-3181	152	6	as	as	ADV
fsr-3181	152	7	current	current	ADJ
fsr-3181	152	8	as	as	SCONJ
fsr-3181	152	9	desired	desire	VERB
fsr-3181	152	10	,	,	PUNCT
fsr-3181	152	11	they	they	PRON
fsr-3181	152	12	are	be	AUX
fsr-3181	152	13	the	the	DET
fsr-3181	152	14	only	only	ADJ
fsr-3181	152	15	source	source	NOUN
fsr-3181	152	16	of	of	ADP
fsr-3181	152	17	the	the	DET
fsr-3181	152	18	necessary	necessary	ADJ
fsr-3181	152	19	information	information	NOUN
fsr-3181	152	20	for	for	ADP
fsr-3181	152	21	a	a	DET
fsr-3181	152	22	the	the	DET
fsr-3181	152	23	factors	factor	NOUN
fsr-3181	152	24	that	that	PRON
fsr-3181	152	25	influence	influence	VERB
fsr-3181	152	26	these	these	DET
fsr-3181	152	27	four	four	NUM
fsr-3181	152	28	life	life	NOUN
fsr-3181	152	29	insurance	insurance	NOUN
fsr-3181	152	30	ownership	ownership	NOUN
fsr-3181	152	31	decisions	decision	NOUN
fsr-3181	152	32	.	.	PUNCT
fsr-3181	153	1	during	during	ADP
fsr-3181	153	2	the	the	DET
fsr-3181	153	3	financial	financial	ADJ
fsr-3181	153	4	crisis	crisis	NOUN
fsr-3181	153	5	,	,	PUNCT
fsr-3181	153	6	it	it	PRON
fsr-3181	153	7	is	be	AUX
fsr-3181	153	8	hypothesized	hypothesize	VERB
fsr-3181	153	9	that	that	SCONJ
fsr-3181	153	10	households	household	NOUN
fsr-3181	153	11	that	that	PRON
fsr-3181	153	12	have	have	AUX
fsr-3181	153	13	made	make	VERB
fsr-3181	153	14	decisions	decision	NOUN
fsr-3181	153	15	to	to	PART
fsr-3181	153	16	invest	invest	VERB
fsr-3181	153	17	more	more	ADV
fsr-3181	153	18	in	in	ADP
fsr-3181	153	19	cash	cash	NOUN
fsr-3181	153	20	and	and	CCONJ
fsr-3181	153	21	cash	cash	NOUN
fsr-3181	153	22	equivalents	equivalent	NOUN
fsr-3181	153	23	,	,	PUNCT
fsr-3181	153	24	bonds	bond	NOUN
fsr-3181	153	25	,	,	PUNCT
fsr-3181	153	26	and	and	CCONJ
fsr-3181	153	27	retirement	retirement	NOUN
fsr-3181	153	28	assets	asset	NOUN
fsr-3181	153	29	but	but	CCONJ
fsr-3181	153	30	less	less	ADJ
fsr-3181	153	31	in	in	ADP
fsr-3181	153	32	stocks	stock	NOUN
fsr-3181	153	33	,	,	PUNCT
fsr-3181	153	34	pay	pay	VERB
fsr-3181	153	35	off	off	ADP
fsr-3181	153	36	debts	debt	NOUN
fsr-3181	153	37	,	,	PUNCT
fsr-3181	153	38	spend	spend	VERB
fsr-3181	153	39	less	less	ADJ
fsr-3181	153	40	,	,	PUNCT
fsr-3181	153	41	become	become	VERB
fsr-3181	153	42	less	less	ADV
fsr-3181	153	43	aggressive	aggressive	ADJ
fsr-3181	153	44	,	,	PUNCT
fsr-3181	153	45	and	and	CCONJ
fsr-3181	153	46	invest	invest	VERB
fsr-3181	153	47	less	less	ADJ
fsr-3181	153	48	for	for	ADP
fsr-3181	153	49	the	the	DET
fsr-3181	153	50	long	long	ADJ
fsr-3181	153	51	term	term	NOUN
fsr-3181	153	52	were	be	AUX
fsr-3181	153	53	more	more	ADV
fsr-3181	153	54	likely	likely	ADJ
fsr-3181	153	55	than	than	ADP
fsr-3181	153	56	other	other	ADJ
fsr-3181	153	57	households	household	NOUN
fsr-3181	153	58	to	to	PART
fsr-3181	153	59	change	change	VERB
fsr-3181	153	60	their	their	PRON
fsr-3181	153	61	life	life	NOUN
fsr-3181	153	62	insurance	insurance	NOUN
fsr-3181	153	63	ownership	ownership	NOUN
fsr-3181	153	64	decisions	decision	NOUN
fsr-3181	153	65	.	.	PUNCT
fsr-3181	154	1	in	in	ADP
fsr-3181	154	2	these	these	DET
fsr-3181	154	3	regression	regression	NOUN
fsr-3181	154	4	models	model	NOUN
fsr-3181	154	5	,	,	PUNCT
fsr-3181	154	6	newincrterm	newincrterm	NOUN
fsr-3181	154	7	(	(	PUNCT
fsr-3181	154	8	newincrwhole	newincrwhole	NOUN
fsr-3181	154	9	)	)	PUNCT
fsr-3181	154	10	is	be	AUX
fsr-3181	154	11	an	an	DET
fsr-3181	154	12	indicator	indicator	NOUN
fsr-3181	154	13	variable	variable	NOUN
fsr-3181	154	14	that	that	PRON
fsr-3181	154	15	equals	equal	VERB
fsr-3181	154	16	1	1	NUM
fsr-3181	154	17	for	for	ADP
fsr-3181	154	18	households	household	NOUN
fsr-3181	154	19	that	that	PRON
fsr-3181	154	20	initiated	initiate	VERB
fsr-3181	154	21	a	a	DET
fsr-3181	154	22	term	term	NOUN
fsr-3181	154	23	(	(	PUNCT
fsr-3181	154	24	whole	whole	ADJ
fsr-3181	154	25	)	)	PUNCT
fsr-3181	154	26	life	life	NOUN
fsr-3181	154	27	insurance	insurance	NOUN
fsr-3181	154	28	policy	policy	NOUN
fsr-3181	154	29	or	or	CCONJ
fsr-3181	154	30	increased	increase	VERB
fsr-3181	154	31	term	term	NOUN
fsr-3181	154	32	(	(	PUNCT
fsr-3181	154	33	whole	whole	ADJ
fsr-3181	154	34	)	)	PUNCT
fsr-3181	154	35	life	life	NOUN
fsr-3181	154	36	insurance	insurance	NOUN
fsr-3181	154	37	coverage	coverage	NOUN
fsr-3181	154	38	since	since	SCONJ
fsr-3181	154	39	2007	2007	NUM
fsr-3181	154	40	,	,	PUNCT
fsr-3181	154	41	and	and	CCONJ
fsr-3181	154	42	0	0	NUM
fsr-3181	154	43	otherwise	otherwise	ADV
fsr-3181	154	44	.	.	PUNCT
fsr-3181	155	1	dropdecrterm	dropdecrterm	NOUN
fsr-3181	155	2	(	(	PUNCT
fsr-3181	155	3	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	155	4	)	)	PUNCT
fsr-3181	155	5	is	be	AUX
fsr-3181	155	6	an	an	DET
fsr-3181	155	7	indicator	indicator	NOUN
fsr-3181	155	8	variable	variable	NOUN
fsr-3181	155	9	that	that	PRON
fsr-3181	155	10	equals	equal	VERB
fsr-3181	155	11	1	1	NUM
fsr-3181	155	12	for	for	ADP
fsr-3181	155	13	households	household	NOUN
fsr-3181	155	14	that	that	PRON
fsr-3181	155	15	dropped	drop	VERB
fsr-3181	155	16	a	a	DET
fsr-3181	155	17	term	term	NOUN
fsr-3181	155	18	(	(	PUNCT
fsr-3181	155	19	whole	whole	ADJ
fsr-3181	155	20	)	)	PUNCT
fsr-3181	155	21	life	life	NOUN
fsr-3181	155	22	insurance	insurance	NOUN
fsr-3181	155	23	policy	policy	NOUN
fsr-3181	155	24	or	or	CCONJ
fsr-3181	155	25	decreased	decrease	VERB
fsr-3181	155	26	term	term	NOUN
fsr-3181	155	27	(	(	PUNCT
fsr-3181	155	28	whole	whole	ADJ
fsr-3181	155	29	)	)	PUNCT
fsr-3181	155	30	life	life	NOUN
fsr-3181	155	31	insurance	insurance	NOUN
fsr-3181	155	32	coverage	coverage	NOUN
fsr-3181	155	33	since	since	SCONJ
fsr-3181	155	34	2007	2007	NUM
fsr-3181	155	35	,	,	PUNCT
fsr-3181	155	36	and	and	CCONJ
fsr-3181	155	37	0	0	NUM
fsr-3181	155	38	otherwise	otherwise	ADV
fsr-3181	155	39	.	.	PUNCT
fsr-3181	156	1	the	the	DET
fsr-3181	156	2	variables	variable	NOUN
fsr-3181	156	3	of	of	ADP
fsr-3181	156	4	household	household	NOUN
fsr-3181	156	5	portfolio	portfolio	NOUN
fsr-3181	156	6	allocation	allocation	NOUN
fsr-3181	156	7	decisions	decision	NOUN
fsr-3181	156	8	include	include	VERB
fsr-3181	156	9	six	six	NUM
fsr-3181	156	10	indicator	indicator	NOUN
fsr-3181	156	11	variables	variable	NOUN
fsr-3181	156	12	of	of	ADP
fsr-3181	156	13	whether	whether	SCONJ
fsr-3181	156	14	households	household	NOUN
fsr-3181	156	15	made	make	VERB
fsr-3181	156	16	decisions	decision	NOUN
fsr-3181	156	17	to	to	PART
fsr-3181	156	18	invest	invest	VERB
fsr-3181	156	19	more	more	ADV
fsr-3181	156	20	in	in	ADP
fsr-3181	156	21	cash	cash	NOUN
fsr-3181	156	22	and	and	CCONJ
fsr-3181	156	23	cash	cash	NOUN
fsr-3181	156	24	equivalents	equivalent	NOUN
fsr-3181	156	25	(	(	PUNCT
fsr-3181	156	26	invmorecash	invmorecash	NOUN
fsr-3181	156	27	)	)	PUNCT
fsr-3181	156	28	,	,	PUNCT
fsr-3181	156	29	invest	invest	VERB
fsr-3181	156	30	more	more	ADV
fsr-3181	156	31	in	in	ADP
fsr-3181	156	32	bonds	bond	NOUN
fsr-3181	156	33	(	(	PUNCT
fsr-3181	156	34	invmorebonds	invmorebond	NOUN
fsr-3181	156	35	)	)	PUNCT
fsr-3181	156	36	,	,	PUNCT
fsr-3181	156	37	invest	invest	VERB
fsr-3181	156	38	less	less	ADV
fsr-3181	156	39	in	in	ADP
fsr-3181	156	40	stock	stock	NOUN
fsr-3181	156	41	(	(	PUNCT
fsr-3181	156	42	invlessstock	invlessstock	PROPN
fsr-3181	156	43	)	)	PUNCT
fsr-3181	156	44	,	,	PUNCT
fsr-3181	156	45	invest	invest	VERB
fsr-3181	156	46	more	more	ADV
fsr-3181	156	47	in	in	ADP
fsr-3181	156	48	retirement	retirement	NOUN
fsr-3181	156	49	assets	asset	NOUN
fsr-3181	156	50	(	(	PUNCT
fsr-3181	156	51	invmorera	invmorera	NOUN
fsr-3181	156	52	)	)	PUNCT
fsr-3181	156	53	,	,	PUNCT
fsr-3181	156	54	invest	invest	VERB
fsr-3181	156	55	less	less	ADV
fsr-3181	156	56	in	in	ADP
fsr-3181	156	57	retirement	retirement	NOUN
fsr-3181	156	58	assets	asset	NOUN
fsr-3181	156	59	(	(	PUNCT
fsr-3181	156	60	invlessra	invlessra	ADJ
fsr-3181	156	61	)	)	PUNCT
fsr-3181	156	62	,	,	PUNCT
fsr-3181	156	63	and	and	CCONJ
fsr-3181	156	64	pay	pay	VERB
fsr-3181	156	65	off	off	ADP
fsr-3181	156	66	debts	debt	NOUN
fsr-3181	156	67	(	(	PUNCT
fsr-3181	156	68	paydebt	paydebt	PROPN
fsr-3181	156	69	)	)	PUNCT
fsr-3181	156	70	.	.	PUNCT
fsr-3181	157	1	three	three	NUM
fsr-3181	157	2	additional	additional	ADJ
fsr-3181	157	3	variables	variable	NOUN
fsr-3181	157	4	of	of	ADP
fsr-3181	157	5	financials	financial	NOUN
fsr-3181	157	6	decisions	decision	NOUN
fsr-3181	157	7	that	that	PRON
fsr-3181	157	8	have	have	AUX
fsr-3181	157	9	changed	change	VERB
fsr-3181	157	10	the	the	DET
fsr-3181	157	11	ways	way	NOUN
fsr-3181	157	12	households	household	NOUN
fsr-3181	157	13	arrange	arrange	VERB
fsr-3181	157	14	their	their	PRON
fsr-3181	157	15	money	money	NOUN
fsr-3181	157	16	or	or	CCONJ
fsr-3181	157	17	investments	investment	NOUN
fsr-3181	157	18	are	be	AUX
fsr-3181	157	19	also	also	ADV
fsr-3181	157	20	hypothesized	hypothesize	VERB
fsr-3181	157	21	to	to	PART
fsr-3181	157	22	affect	affect	VERB
fsr-3181	157	23	the	the	DET
fsr-3181	157	24	demand	demand	NOUN
fsr-3181	157	25	for	for	ADP
fsr-3181	157	26	life	life	NOUN
fsr-3181	157	27	insurance	insurance	NOUN
fsr-3181	157	28	.	.	PUNCT
fsr-3181	158	1	moreriskaver	moreriskaver	NOUN
fsr-3181	158	2	is	be	AUX
fsr-3181	158	3	an	an	DET
fsr-3181	158	4	indicator	indicator	NOUN
fsr-3181	158	5	variable	variable	NOUN
fsr-3181	158	6	equal	equal	ADJ
fsr-3181	158	7	to	to	ADP
fsr-3181	158	8	1	1	NUM
fsr-3181	158	9	if	if	SCONJ
fsr-3181	158	10	households	household	NOUN
fsr-3181	158	11	chose	choose	VERB
fsr-3181	158	12	to	to	PART
fsr-3181	158	13	have	have	VERB
fsr-3181	158	14	more	more	ADV
fsr-3181	158	15	conservative	conservative	ADJ
fsr-3181	158	16	or	or	CCONJ
fsr-3181	158	17	disciplined	disciplined	ADJ
fsr-3181	158	18	investments	investment	NOUN
fsr-3181	158	19	,	,	PUNCT
fsr-3181	158	20	and	and	CCONJ
fsr-3181	158	21	0	0	NUM
fsr-3181	158	22	otherwise	otherwise	ADV
fsr-3181	158	23	.	.	PUNCT
fsr-3181	159	1	spendless	spendless	NOUN
fsr-3181	159	2	is	be	AUX
fsr-3181	159	3	an	an	DET
fsr-3181	159	4	indicator	indicator	NOUN
fsr-3181	159	5	variable	variable	NOUN
fsr-3181	159	6	equal	equal	ADJ
fsr-3181	159	7	to	to	ADP
fsr-3181	159	8	1	1	NUM
fsr-3181	159	9	if	if	SCONJ
fsr-3181	159	10	households	household	NOUN
fsr-3181	159	11	chose	choose	VERB
fsr-3181	159	12	to	to	PART
fsr-3181	159	13	spend	spend	VERB
fsr-3181	159	14	less	less	ADJ
fsr-3181	159	15	,	,	PUNCT
fsr-3181	159	16	and	and	CCONJ
fsr-3181	159	17	0	0	NUM
fsr-3181	159	18	otherwise	otherwise	ADV
fsr-3181	159	19	.	.	PUNCT
fsr-3181	160	1	invlesslong	invlesslong	PROPN
fsr-3181	160	2	is	be	AUX
fsr-3181	160	3	an	an	DET
fsr-3181	160	4	indicator	indicator	NOUN
fsr-3181	160	5	variable	variable	NOUN
fsr-3181	160	6	equal	equal	ADJ
fsr-3181	160	7	to	to	ADP
fsr-3181	160	8	1	1	NUM
fsr-3181	160	9	if	if	SCONJ
fsr-3181	160	10	households	household	NOUN
fsr-3181	160	11	chose	choose	VERB
fsr-3181	160	12	to	to	PART
fsr-3181	160	13	invest	invest	VERB
fsr-3181	160	14	less	less	ADJ
fsr-3181	160	15	for	for	ADP
fsr-3181	160	16	the	the	DET
fsr-3181	160	17	long	long	ADJ
fsr-3181	160	18	term	term	NOUN
fsr-3181	160	19	,	,	PUNCT
fsr-3181	160	20	and	and	CCONJ
fsr-3181	160	21	0	0	NUM
fsr-3181	160	22	otherwise	otherwise	ADV
fsr-3181	160	23	.	.	PUNCT
fsr-3181	161	1	control	control	NOUN
fsr-3181	161	2	variables	variable	NOUN
fsr-3181	161	3	are	be	AUX
fsr-3181	161	4	the	the	DET
fsr-3181	161	5	same	same	ADJ
fsr-3181	161	6	in	in	ADP
fsr-3181	161	7	each	each	DET
fsr-3181	161	8	equation	equation	NOUN
fsr-3181	161	9	and	and	CCONJ
fsr-3181	161	10	represent	represent	VERB
fsr-3181	161	11	household	household	NOUN
fsr-3181	161	12	characteristics	characteristic	NOUN
fsr-3181	161	13	and	and	CCONJ
fsr-3181	161	14	economic	economic	ADJ
fsr-3181	161	15	status	status	NOUN
fsr-3181	161	16	examined	examine	VERB
fsr-3181	161	17	in	in	ADP
fsr-3181	161	18	prior	prior	ADJ
fsr-3181	161	19	research	research	NOUN
fsr-3181	161	20	(	(	PUNCT
fsr-3181	161	21	see	see	VERB
fsr-3181	161	22	liebenberg	liebenberg	ADV
fsr-3181	161	23	et	et	PROPN
fsr-3181	161	24	al	al	PROPN
fsr-3181	161	25	.	.	PROPN
fsr-3181	161	26	,	,	PUNCT
fsr-3181	161	27	2012	2012	NUM
fsr-3181	161	28	;	;	PUNCT
fsr-3181	162	1	heo	heo	PROPN
fsr-3181	162	2	&	&	CCONJ
fsr-3181	162	3	grable	grable	PROPN
fsr-3181	162	4	,	,	PUNCT
fsr-3181	162	5	2017	2017	NUM
fsr-3181	162	6	;	;	PUNCT
fsr-3181	162	7	heo	heo	PROPN
fsr-3181	162	8	,	,	PUNCT
fsr-3181	162	9	2020	2020	NUM
fsr-3181	162	10	;	;	PUNCT
fsr-3181	162	11	wang	wang	PROPN
fsr-3181	162	12	,	,	PUNCT
fsr-3181	162	13	2023	2023	NUM
fsr-3181	162	14	)	)	PUNCT
fsr-3181	162	15	.	.	PUNCT
fsr-3181	163	1	specifically	specifically	ADV
fsr-3181	163	2	,	,	PUNCT
fsr-3181	163	3	we	we	PRON
fsr-3181	163	4	control	control	VERB
fsr-3181	163	5	for	for	ADP
fsr-3181	163	6	employment	employment	NOUN
fsr-3181	163	7	(	(	PUNCT
fsr-3181	163	8	work	work	NOUN
fsr-3181	163	9	)	)	PUNCT
fsr-3181	163	10	,	,	PUNCT
fsr-3181	163	11	household	household	NOUN
fsr-3181	163	12	income	income	NOUN
fsr-3181	163	13	(	(	PUNCT
fsr-3181	163	14	lnincome	lnincome	NOUN
fsr-3181	163	15	)	)	PUNCT
fsr-3181	163	16	,	,	PUNCT
fsr-3181	163	17	household	household	NOUN
fsr-3181	163	18	net	net	NOUN
fsr-3181	163	19	worth	worth	NOUN
fsr-3181	163	20	(	(	PUNCT
fsr-3181	163	21	lnnetworth	lnnetworth	NOUN
fsr-3181	163	22	)	)	PUNCT
fsr-3181	163	23	,	,	PUNCT
fsr-3181	163	24	broad	broad	ADJ
fsr-3181	163	25	sample	sample	NOUN
fsr-3181	163	26	of	of	ADP
fsr-3181	163	27	households	household	NOUN
fsr-3181	163	28	that	that	PRON
fsr-3181	163	29	is	be	AUX
fsr-3181	163	30	crucial	crucial	ADJ
fsr-3181	163	31	for	for	ADP
fsr-3181	163	32	our	our	PRON
fsr-3181	163	33	study	study	NOUN
fsr-3181	163	34	.	.	PUNCT
fsr-3181	164	1	wang	wang	PROPN
fsr-3181	164	2	et	et	PROPN
fsr-3181	164	3	al	al	PROPN
fsr-3181	164	4	.	.	PROPN
fsr-3181	164	5	7	7	NUM
fsr-3181	164	6	marital	marital	ADJ
fsr-3181	164	7	status	status	NOUN
fsr-3181	164	8	(	(	PUNCT
fsr-3181	164	9	married	married	ADJ
fsr-3181	164	10	)	)	PUNCT
fsr-3181	164	11	,	,	PUNCT
fsr-3181	164	12	risk	risk	NOUN
fsr-3181	164	13	attitude	attitude	NOUN
fsr-3181	164	14	(	(	PUNCT
fsr-3181	164	15	risk	risk	NOUN
fsr-3181	164	16	)	)	PUNCT
fsr-3181	164	17	,	,	PUNCT
fsr-3181	164	18	stock	stock	NOUN
fsr-3181	164	19	holdings	holding	NOUN
fsr-3181	164	20	(	(	PUNCT
fsr-3181	164	21	stockshare	stockshare	PROPN
fsr-3181	164	22	)	)	PUNCT
fsr-3181	164	23	,	,	PUNCT
fsr-3181	164	24	age	age	NOUN
fsr-3181	164	25	(	(	PUNCT
fsr-3181	164	26	age3549	age3549	NOUN
fsr-3181	164	27	,	,	PUNCT
fsr-3181	164	28	age5064	age5064	NOUN
fsr-3181	164	29	,	,	PUNCT
fsr-3181	164	30	and	and	CCONJ
fsr-3181	164	31	age65	age65	VERB
fsr-3181	164	32	_	_	PROPN
fsr-3181	164	33	)	)	PUNCT
fsr-3181	164	34	,	,	PUNCT
fsr-3181	164	35	the	the	DET
fsr-3181	164	36	number	number	NOUN
fsr-3181	164	37	of	of	ADP
fsr-3181	164	38	kids	kid	NOUN
fsr-3181	164	39	(	(	PUNCT
fsr-3181	164	40	kid	kid	NOUN
fsr-3181	164	41	)	)	PUNCT
fsr-3181	164	42	,	,	PUNCT
fsr-3181	164	43	race	race	NOUN
fsr-3181	164	44	(	(	PUNCT
fsr-3181	164	45	white	white	ADJ
fsr-3181	164	46	)	)	PUNCT
fsr-3181	164	47	,	,	PUNCT
fsr-3181	164	48	education	education	NOUN
fsr-3181	164	49	(	(	PUNCT
fsr-3181	164	50	college	college	NOUN
fsr-3181	164	51	)	)	PUNCT
fsr-3181	164	52	,	,	PUNCT
fsr-3181	164	53	and	and	CCONJ
fsr-3181	164	54	homeownership	homeownership	NOUN
fsr-3181	164	55	(	(	PUNCT
fsr-3181	164	56	homeowner	homeowner	NOUN
fsr-3181	164	57	)	)	PUNCT
fsr-3181	164	58	,	,	PUNCT
fsr-3181	164	59	with	with	ADP
fsr-3181	164	60	their	their	PRON
fsr-3181	164	61	definitions	definition	NOUN
fsr-3181	164	62	addressed	address	VERB
fsr-3181	164	63	in	in	ADP
fsr-3181	164	64	table	table	NOUN
fsr-3181	164	65	1	1	NUM
fsr-3181	164	66	.	.	PUNCT
fsr-3181	164	67	newincrtermi	newincrtermi	NOUN
fsr-3181	164	68	=	=	SYM
fsr-3181	164	69			PROPN
fsr-3181	164	70	+	+	NOUN
fsr-3181	164	71			NOUN
fsr-3181	164	72	1	1	NUM
fsr-3181	164	73	invmorecashi	invmorecashi	NOUN
fsr-3181	164	74	+	+	CCONJ
fsr-3181	164	75			PROPN
fsr-3181	164	76	2	2	NUM
fsr-3181	164	77	invmorebondsi	invmorebondsi	NOUN
fsr-3181	164	78	+	+	CCONJ
fsr-3181	164	79			PROPN
fsr-3181	164	80	3	3	NUM
fsr-3181	164	81	invlessstocki	invlessstocki	NOUN
fsr-3181	164	82	+	+	CCONJ
fsr-3181	164	83			NOUN
fsr-3181	164	84	4	4	NUM
fsr-3181	164	85	invmorerai	invmorerai	ADJ
fsr-3181	164	86	+	+	CCONJ
fsr-3181	164	87			PROPN
fsr-3181	164	88	5	5	NUM
fsr-3181	164	89	moreriskaveri	moreriskaveri	NOUN
fsr-3181	164	90	+	+	PROPN
fsr-3181	164	91			PROPN
fsr-3181	164	92	6	6	NUM
fsr-3181	164	93	invlesslongi	invlesslongi	NOUN
fsr-3181	164	94	+	+	CCONJ
fsr-3181	164	95			PROPN
fsr-3181	164	96	7	7	NUM
fsr-3181	164	97	dropdecrwholei	dropdecrwholei	NOUN
fsr-3181	164	98	+	+	CCONJ
fsr-3181	164	99	control	control	NOUN
fsr-3181	164	100	variables	variable	NOUN
fsr-3181	164	101	+	+	CCONJ
fsr-3181	164	102	𝑖	𝑖	ADJ
fsr-3181	164	103	,	,	PUNCT
fsr-3181	164	104	(	(	PUNCT
fsr-3181	164	105	1	1	X
fsr-3181	164	106	)	)	PUNCT
fsr-3181	164	107	newincrwholei	newincrwholei	NOUN
fsr-3181	164	108	=	=	PUNCT
fsr-3181	164	109			X
fsr-3181	164	110	+	+	NOUN
fsr-3181	164	111			NOUN
fsr-3181	164	112	1	1	NUM
fsr-3181	164	113	invmorecashi	invmorecashi	NOUN
fsr-3181	164	114	+	+	CCONJ
fsr-3181	164	115			PROPN
fsr-3181	164	116	2	2	NUM
fsr-3181	164	117	invmorebondsi	invmorebondsi	NOUN
fsr-3181	164	118	+	+	CCONJ
fsr-3181	164	119			PROPN
fsr-3181	164	120	3	3	NUM
fsr-3181	164	121	invlessstocki	invlessstocki	NOUN
fsr-3181	164	122	+	+	CCONJ
fsr-3181	164	123			NOUN
fsr-3181	164	124	4	4	NUM
fsr-3181	164	125	invmorerai	invmorerai	ADJ
fsr-3181	164	126	+	+	CCONJ
fsr-3181	164	127			NOUN
fsr-3181	164	128	5	5	NUM
fsr-3181	164	129	paydebti	paydebti	NOUN
fsr-3181	164	130	+	+	CCONJ
fsr-3181	164	131			PROPN
fsr-3181	164	132	6	6	NUM
fsr-3181	164	133	spendlessi	spendlessi	NOUN
fsr-3181	164	134	+	+	CCONJ
fsr-3181	164	135			PROPN
fsr-3181	164	136	7	7	NUM
fsr-3181	164	137	moreriskaveri	moreriskaveri	NOUN
fsr-3181	164	138	+	+	PROPN
fsr-3181	164	139			PROPN
fsr-3181	164	140	8	8	NUM
fsr-3181	164	141	invlesslongi	invlesslongi	NOUN
fsr-3181	164	142	+	+	CCONJ
fsr-3181	164	143			NOUN
fsr-3181	164	144	9	9	NUM
fsr-3181	164	145	dropdecrtermi	dropdecrtermi	NOUN
fsr-3181	164	146	+	+	CCONJ
fsr-3181	164	147	control	control	NOUN
fsr-3181	164	148	variables	variable	NOUN
fsr-3181	164	149	+	+	CCONJ
fsr-3181	164	150	𝑖	𝑖	ADJ
fsr-3181	164	151	,	,	PUNCT
fsr-3181	164	152	(	(	PUNCT
fsr-3181	164	153	2	2	X
fsr-3181	164	154	)	)	PUNCT
fsr-3181	164	155	dropdecrtermi	dropdecrtermi	NOUN
fsr-3181	164	156	=	=	SYM
fsr-3181	164	157			X
fsr-3181	164	158	+	+	NOUN
fsr-3181	164	159			NOUN
fsr-3181	164	160	1	1	NUM
fsr-3181	164	161	invmorecashi	invmorecashi	NOUN
fsr-3181	164	162	+	+	CCONJ
fsr-3181	164	163			PROPN
fsr-3181	164	164	2	2	NUM
fsr-3181	164	165	invmorebondsi	invmorebondsi	NOUN
fsr-3181	164	166	+	+	CCONJ
fsr-3181	164	167			PROPN
fsr-3181	164	168	3	3	NUM
fsr-3181	164	169	invlessstocki	invlessstocki	NOUN
fsr-3181	164	170	+	+	CCONJ
fsr-3181	164	171			PROPN
fsr-3181	164	172	4	4	NUM
fsr-3181	164	173	invlessrai	invlessrai	ADJ
fsr-3181	164	174	+	+	CCONJ
fsr-3181	164	175			PROPN
fsr-3181	164	176	5	5	NUM
fsr-3181	164	177	invlesslongi	invlesslongi	NOUN
fsr-3181	164	178	+	+	CCONJ
fsr-3181	164	179			PROPN
fsr-3181	164	180	6	6	NUM
fsr-3181	164	181	newincrwholei	newincrwholei	NOUN
fsr-3181	164	182	+	+	CCONJ
fsr-3181	164	183	control	control	NOUN
fsr-3181	164	184	variables	variable	NOUN
fsr-3181	164	185	+	+	CCONJ
fsr-3181	164	186	𝑖	𝑖	ADJ
fsr-3181	164	187	,	,	PUNCT
fsr-3181	164	188	(	(	PUNCT
fsr-3181	164	189	3	3	X
fsr-3181	164	190	)	)	PUNCT
fsr-3181	164	191	dropdecrwholei	dropdecrwholei	NOUN
fsr-3181	164	192	=	=	PUNCT
fsr-3181	164	193			X
fsr-3181	164	194	+	+	NOUN
fsr-3181	164	195			NOUN
fsr-3181	164	196	1	1	NUM
fsr-3181	164	197	invmorecashi	invmorecashi	NOUN
fsr-3181	164	198	+	+	CCONJ
fsr-3181	164	199			PROPN
fsr-3181	164	200	2	2	NUM
fsr-3181	164	201	invmorebondsi	invmorebondsi	NOUN
fsr-3181	164	202	+	+	CCONJ
fsr-3181	164	203			PROPN
fsr-3181	164	204	3	3	NUM
fsr-3181	164	205	invlessstocki	invlessstocki	NOUN
fsr-3181	164	206	+	+	CCONJ
fsr-3181	164	207			PROPN
fsr-3181	164	208	4	4	NUM
fsr-3181	164	209	invlessrai	invlessrai	ADJ
fsr-3181	164	210	+	+	CCONJ
fsr-3181	164	211			PROPN
fsr-3181	164	212	5	5	NUM
fsr-3181	164	213	paydebti	paydebti	NOUN
fsr-3181	164	214	+	+	CCONJ
fsr-3181	164	215			PROPN
fsr-3181	164	216	6	6	NUM
fsr-3181	164	217	spendlessi	spendlessi	NOUN
fsr-3181	164	218	+	+	CCONJ
fsr-3181	164	219			PROPN
fsr-3181	164	220	7	7	NUM
fsr-3181	164	221	invlesslongi	invlesslongi	NOUN
fsr-3181	164	222	+	+	CCONJ
fsr-3181	164	223			PROPN
fsr-3181	164	224	8	8	NUM
fsr-3181	164	225	newincrtermi	newincrtermi	NOUN
fsr-3181	164	226	+	+	CCONJ
fsr-3181	164	227	control	control	NOUN
fsr-3181	164	228	variables	variable	NOUN
fsr-3181	164	229	+	+	CCONJ
fsr-3181	164	230	𝑖	𝑖	ADJ
fsr-3181	164	231	,	,	PUNCT
fsr-3181	164	232	(	(	PUNCT
fsr-3181	164	233	4	4	X
fsr-3181	164	234	)	)	PUNCT
fsr-3181	164	235	methodology	methodology	NOUN
fsr-3181	164	236	to	to	PART
fsr-3181	164	237	study	study	VERB
fsr-3181	164	238	life	life	NOUN
fsr-3181	164	239	insurance	insurance	NOUN
fsr-3181	164	240	coverage	coverage	NOUN
fsr-3181	164	241	:	:	PUNCT
fsr-3181	164	242	the	the	DET
fsr-3181	164	243	truncated	truncated	ADJ
fsr-3181	164	244	models	model	NOUN
fsr-3181	164	245	in	in	ADP
fsr-3181	164	246	the	the	DET
fsr-3181	164	247	second	second	ADJ
fsr-3181	164	248	part	part	NOUN
fsr-3181	164	249	of	of	ADP
fsr-3181	164	250	the	the	DET
fsr-3181	164	251	cragg	cragg	NOUN
fsr-3181	164	252	model	model	NOUN
fsr-3181	164	253	,	,	PUNCT
fsr-3181	164	254	we	we	PRON
fsr-3181	164	255	develop	develop	VERB
fsr-3181	164	256	truncated	truncated	ADJ
fsr-3181	164	257	regression	regression	NOUN
fsr-3181	164	258	models	model	NOUN
fsr-3181	164	259	to	to	PART
fsr-3181	164	260	investigate	investigate	VERB
fsr-3181	164	261	the	the	DET
fsr-3181	164	262	subsamples	subsample	NOUN
fsr-3181	164	263	of	of	ADP
fsr-3181	164	264	households	household	NOUN
fsr-3181	164	265	that	that	PRON
fsr-3181	164	266	have	have	AUX
fsr-3181	164	267	experienced	experience	VERB
fsr-3181	164	268	changes	change	NOUN
fsr-3181	164	269	in	in	ADP
fsr-3181	164	270	life	life	NOUN
fsr-3181	164	271	insurance	insurance	NOUN
fsr-3181	164	272	ownership	ownership	NOUN
fsr-3181	164	273	.	.	PUNCT
fsr-3181	165	1	as	as	ADV
fsr-3181	165	2	long	long	ADV
fsr-3181	165	3	as	as	SCONJ
fsr-3181	165	4	the	the	DET
fsr-3181	165	5	life	life	NOUN
fsr-3181	165	6	insurance	insurance	NOUN
fsr-3181	165	7	ownership	ownership	NOUN
fsr-3181	165	8	decisions	decision	NOUN
fsr-3181	165	9	have	have	AUX
fsr-3181	165	10	been	be	AUX
fsr-3181	165	11	made	make	VERB
fsr-3181	165	12	,	,	PUNCT
fsr-3181	165	13	households	household	NOUN
fsr-3181	165	14	may	may	AUX
fsr-3181	165	15	adjust	adjust	VERB
fsr-3181	165	16	the	the	DET
fsr-3181	165	17	amount	amount	NOUN
fsr-3181	165	18	of	of	ADP
fsr-3181	165	19	their	their	PRON
fsr-3181	165	20	life	life	NOUN
fsr-3181	165	21	insurance	insurance	NOUN
fsr-3181	165	22	coverage	coverage	NOUN
fsr-3181	165	23	,	,	PUNCT
fsr-3181	165	24	resulting	result	VERB
fsr-3181	165	25	in	in	ADP
fsr-3181	165	26	four	four	NUM
fsr-3181	165	27	categories	category	NOUN
fsr-3181	165	28	of	of	ADP
fsr-3181	165	29	life	life	NOUN
fsr-3181	165	30	insurance	insurance	NOUN
fsr-3181	165	31	coverage	coverage	NOUN
fsr-3181	165	32	decisions	decision	NOUN
fsr-3181	165	33	:	:	PUNCT
fsr-3181	165	34	1	1	X
fsr-3181	165	35	)	)	PUNCT
fsr-3181	165	36	the	the	DET
fsr-3181	165	37	amount	amount	NOUN
fsr-3181	165	38	of	of	ADP
fsr-3181	165	39	newly	newly	ADV
fsr-3181	165	40	purchased	purchase	VERB
fsr-3181	165	41	or	or	CCONJ
fsr-3181	165	42	increased	increase	VERB
fsr-3181	165	43	term	term	NOUN
fsr-3181	165	44	life	life	NOUN
fsr-3181	165	45	insurance	insurance	NOUN
fsr-3181	165	46	coverage	coverage	NOUN
fsr-3181	165	47	,	,	PUNCT
fsr-3181	165	48	2	2	X
fsr-3181	165	49	)	)	PUNCT
fsr-3181	165	50	the	the	DET
fsr-3181	165	51	amount	amount	NOUN
fsr-3181	165	52	of	of	ADP
fsr-3181	165	53	newly	newly	ADV
fsr-3181	165	54	purchased	purchase	VERB
fsr-3181	165	55	or	or	CCONJ
fsr-3181	165	56	increased	increase	VERB
fsr-3181	165	57	whole	whole	ADJ
fsr-3181	165	58	life	life	NOUN
fsr-3181	165	59	insurance	insurance	NOUN
fsr-3181	165	60	coverage	coverage	NOUN
fsr-3181	165	61	,	,	PUNCT
fsr-3181	165	62	3	3	X
fsr-3181	165	63	)	)	PUNCT
fsr-3181	165	64	the	the	DET
fsr-3181	165	65	amount	amount	NOUN
fsr-3181	165	66	of	of	ADP
fsr-3181	165	67	decreased	decrease	VERB
fsr-3181	165	68	or	or	CCONJ
fsr-3181	165	69	dropped	drop	VERB
fsr-3181	165	70	term	term	NOUN
fsr-3181	165	71	life	life	NOUN
fsr-3181	165	72	insurance	insurance	NOUN
fsr-3181	165	73	coverage	coverage	NOUN
fsr-3181	165	74	,	,	PUNCT
fsr-3181	165	75	and	and	CCONJ
fsr-3181	165	76	4	4	X
fsr-3181	165	77	)	)	PUNCT
fsr-3181	165	78	the	the	DET
fsr-3181	165	79	amount	amount	NOUN
fsr-3181	165	80	of	of	ADP
fsr-3181	165	81	decreased	decrease	VERB
fsr-3181	165	82	or	or	CCONJ
fsr-3181	165	83	dropped	drop	VERB
fsr-3181	165	84	whole	whole	ADJ
fsr-3181	165	85	life	life	NOUN
fsr-3181	165	86	insurance	insurance	NOUN
fsr-3181	165	87	coverage	coverage	NOUN
fsr-3181	165	88	(	(	PUNCT
fsr-3181	165	89	liebenberg	liebenberg	ADV
fsr-3181	165	90	et	et	PROPN
fsr-3181	165	91	al	al	PROPN
fsr-3181	165	92	.	.	PROPN
fsr-3181	165	93	,	,	PUNCT
fsr-3181	165	94	2012	2012	NUM
fsr-3181	165	95	;	;	PUNCT
fsr-3181	165	96	wang	wang	PROPN
fsr-3181	165	97	,	,	PUNCT
fsr-3181	165	98	2023	2023	NUM
fsr-3181	165	99	)	)	PUNCT
fsr-3181	165	100	.	.	PUNCT
fsr-3181	166	1	equations	equation	NOUN
fsr-3181	166	2	(	(	PUNCT
fsr-3181	166	3	5	5	NUM
fsr-3181	166	4	)	)	PUNCT
fsr-3181	166	5	to	to	ADP
fsr-3181	166	6	(	(	PUNCT
fsr-3181	166	7	8)	8)	NUM
fsr-3181	166	8	describe	describe	VERB
fsr-3181	166	9	the	the	DET
fsr-3181	166	10	four	four	NUM
fsr-3181	166	11	truncated	truncated	ADJ
fsr-3181	166	12	regression	regression	NOUN
fsr-3181	166	13	models	model	NOUN
fsr-3181	166	14	,	,	PUNCT
fsr-3181	166	15	developed	develop	VERB
fsr-3181	166	16	as	as	ADP
fsr-3181	166	17	the	the	DET
fsr-3181	166	18	second	second	ADJ
fsr-3181	166	19	part	part	NOUN
fsr-3181	166	20	of	of	ADP
fsr-3181	166	21	the	the	DET
fsr-3181	166	22	cragg	cragg	NOUN
fsr-3181	166	23	model	model	NOUN
fsr-3181	166	24	,	,	PUNCT
fsr-3181	166	25	to	to	PART
fsr-3181	166	26	explore	explore	VERB
fsr-3181	166	27	the	the	DET
fsr-3181	166	28	determinants	determinant	NOUN
fsr-3181	166	29	of	of	ADP
fsr-3181	166	30	the	the	DET
fsr-3181	166	31	four	four	NUM
fsr-3181	166	32	categories	category	NOUN
fsr-3181	166	33	of	of	ADP
fsr-3181	166	34	life	life	NOUN
fsr-3181	166	35	insurance	insurance	NOUN
fsr-3181	166	36	coverage	coverage	NOUN
fsr-3181	166	37	decisions	decision	NOUN
fsr-3181	166	38	conditional	conditional	ADJ
fsr-3181	166	39	on	on	ADP
fsr-3181	166	40	their	their	PRON
fsr-3181	166	41	ownership	ownership	NOUN
fsr-3181	166	42	decisions	decision	NOUN
fsr-3181	166	43	.	.	PUNCT
fsr-3181	167	1	it	it	PRON
fsr-3181	167	2	is	be	AUX
fsr-3181	167	3	hypothesized	hypothesize	VERB
fsr-3181	167	4	that	that	SCONJ
fsr-3181	167	5	,	,	PUNCT
fsr-3181	167	6	among	among	ADP
fsr-3181	167	7	the	the	DET
fsr-3181	167	8	subsamples	subsample	NOUN
fsr-3181	167	9	of	of	ADP
fsr-3181	167	10	households	household	NOUN
fsr-3181	167	11	that	that	PRON
fsr-3181	167	12	have	have	AUX
fsr-3181	167	13	made	make	VERB
fsr-3181	167	14	decisions	decision	NOUN
fsr-3181	167	15	to	to	PART
fsr-3181	167	16	change	change	VERB
fsr-3181	167	17	their	their	PRON
fsr-3181	167	18	life	life	NOUN
fsr-3181	167	19	insurance	insurance	NOUN
fsr-3181	167	20	ownership	ownership	NOUN
fsr-3181	167	21	,	,	PUNCT
fsr-3181	167	22	those	those	PRON
fsr-3181	167	23	that	that	PRON
fsr-3181	167	24	chose	choose	VERB
fsr-3181	167	25	to	to	PART
fsr-3181	167	26	invest	invest	VERB
fsr-3181	167	27	more	more	ADJ
fsr-3181	167	28	in	in	ADP
fsr-3181	167	29	cash	cash	NOUN
fsr-3181	167	30	and	and	CCONJ
fsr-3181	167	31	cash	cash	NOUN
fsr-3181	167	32	equivalents	equivalent	NOUN
fsr-3181	167	33	,	,	PUNCT
fsr-3181	167	34	bonds	bond	NOUN
fsr-3181	167	35	,	,	PUNCT
fsr-3181	167	36	and	and	CCONJ
fsr-3181	167	37	retirement	retirement	NOUN
fsr-3181	167	38	assets	asset	NOUN
fsr-3181	167	39	but	but	CCONJ
fsr-3181	167	40	less	less	ADJ
fsr-3181	167	41	in	in	ADP
fsr-3181	167	42	stocks	stock	NOUN
fsr-3181	167	43	,	,	PUNCT
fsr-3181	167	44	pay	pay	VERB
fsr-3181	167	45	off	off	ADP
fsr-3181	167	46	debts	debt	NOUN
fsr-3181	167	47	,	,	PUNCT
fsr-3181	167	48	spend	spend	VERB
fsr-3181	167	49	less	less	ADJ
fsr-3181	167	50	,	,	PUNCT
fsr-3181	167	51	become	become	VERB
fsr-3181	167	52	less	less	ADV
fsr-3181	167	53	aggressive	aggressive	ADJ
fsr-3181	167	54	,	,	PUNCT
fsr-3181	167	55	and	and	CCONJ
fsr-3181	167	56	invest	invest	VERB
fsr-3181	167	57	less	less	ADJ
fsr-3181	167	58	for	for	ADP
fsr-3181	167	59	the	the	DET
fsr-3181	167	60	long	long	ADJ
fsr-3181	167	61	term	term	NOUN
fsr-3181	167	62	made	make	VERB
fsr-3181	167	63	significantly	significantly	ADV
fsr-3181	167	64	more	more	ADJ
fsr-3181	167	65	adjustments	adjustment	NOUN
fsr-3181	167	66	to	to	ADP
fsr-3181	167	67	their	their	PRON
fsr-3181	167	68	life	life	NOUN
fsr-3181	167	69	insurance	insurance	NOUN
fsr-3181	167	70	coverage	coverage	NOUN
fsr-3181	167	71	,	,	PUNCT
fsr-3181	167	72	compared	compare	VERB
fsr-3181	167	73	to	to	ADP
fsr-3181	167	74	other	other	ADJ
fsr-3181	167	75	households	household	NOUN
fsr-3181	167	76	during	during	ADP
fsr-3181	167	77	the	the	DET
fsr-3181	167	78	financial	financial	ADJ
fsr-3181	167	79	crisis	crisis	NOUN
fsr-3181	167	80	.	.	PUNCT
fsr-3181	168	1	here	here	ADV
fsr-3181	168	2	,	,	PUNCT
fsr-3181	168	3	lnnewincrterm	lnnewincrterm	NOUN
fsr-3181	168	4	(	(	PUNCT
fsr-3181	168	5	lnnewincrwhole	lnnewincrwhole	NOUN
fsr-3181	168	6	)	)	PUNCT
fsr-3181	168	7	is	be	AUX
fsr-3181	168	8	the	the	DET
fsr-3181	168	9	natural	natural	ADJ
fsr-3181	168	10	log	log	NOUN
fsr-3181	168	11	of	of	ADP
fsr-3181	168	12	the	the	DET
fsr-3181	168	13	amount	amount	NOUN
fsr-3181	168	14	of	of	ADP
fsr-3181	168	15	newly	newly	ADV
fsr-3181	168	16	purchased	purchase	VERB
fsr-3181	168	17	or	or	CCONJ
fsr-3181	168	18	increased	increase	VERB
fsr-3181	168	19	term	term	NOUN
fsr-3181	168	20	(	(	PUNCT
fsr-3181	168	21	whole	whole	ADJ
fsr-3181	168	22	)	)	PUNCT
fsr-3181	168	23	life	life	NOUN
fsr-3181	168	24	insurance	insurance	NOUN
fsr-3181	168	25	coverage	coverage	NOUN
fsr-3181	168	26	,	,	PUNCT
fsr-3181	168	27	specifically	specifically	ADV
fsr-3181	168	28	applicable	applicable	ADJ
fsr-3181	168	29	to	to	ADP
fsr-3181	168	30	the	the	DET
fsr-3181	168	31	households	household	NOUN
fsr-3181	168	32	that	that	PRON
fsr-3181	168	33	have	have	AUX
fsr-3181	168	34	chosen	choose	VERB
fsr-3181	168	35	to	to	PART
fsr-3181	168	36	initiate	initiate	VERB
fsr-3181	168	37	or	or	CCONJ
fsr-3181	168	38	increase	increase	VERB
fsr-3181	168	39	term	term	NOUN
fsr-3181	168	40	(	(	PUNCT
fsr-3181	168	41	whole	whole	ADJ
fsr-3181	168	42	)	)	PUNCT
fsr-3181	168	43	life	life	NOUN
fsr-3181	168	44	insurance	insurance	NOUN
fsr-3181	168	45	since	since	SCONJ
fsr-3181	168	46	2007	2007	NUM
fsr-3181	168	47	,	,	PUNCT
fsr-3181	168	48	where	where	SCONJ
fsr-3181	168	49	newincrtermi	newincrtermi	NOUN
fsr-3181	168	50	=	=	SYM
fsr-3181	168	51	1	1	X
fsr-3181	168	52	(	(	PUNCT
fsr-3181	168	53	newincrwholei	newincrwholei	NOUN
fsr-3181	168	54	=	=	NOUN
fsr-3181	168	55	1	1	NUM
fsr-3181	168	56	)	)	PUNCT
fsr-3181	168	57	.	.	PUNCT
fsr-3181	169	1	lndropdecrterm	lndropdecrterm	NOUN
fsr-3181	169	2	(	(	PUNCT
fsr-3181	169	3	lndropdecrwhole	lndropdecrwhole	NOUN
fsr-3181	169	4	)	)	PUNCT
fsr-3181	169	5	is	be	AUX
fsr-3181	169	6	the	the	DET
fsr-3181	169	7	natural	natural	ADJ
fsr-3181	169	8	log	log	NOUN
fsr-3181	169	9	of	of	ADP
fsr-3181	169	10	the	the	DET
fsr-3181	169	11	amount	amount	NOUN
fsr-3181	169	12	of	of	ADP
fsr-3181	169	13	decreased	decrease	VERB
fsr-3181	169	14	or	or	CCONJ
fsr-3181	169	15	dropped	drop	VERB
fsr-3181	169	16	term	term	NOUN
fsr-3181	169	17	(	(	PUNCT
fsr-3181	169	18	whole	whole	ADJ
fsr-3181	169	19	)	)	PUNCT
fsr-3181	169	20	life	life	NOUN
fsr-3181	169	21	insurance	insurance	NOUN
fsr-3181	169	22	coverage	coverage	NOUN
fsr-3181	169	23	,	,	PUNCT
fsr-3181	169	24	specifically	specifically	ADV
fsr-3181	169	25	applicable	applicable	ADJ
fsr-3181	169	26	to	to	ADP
fsr-3181	169	27	the	the	DET
fsr-3181	169	28	households	household	NOUN
fsr-3181	169	29	that	that	PRON
fsr-3181	169	30	have	have	AUX
fsr-3181	169	31	chosen	choose	VERB
fsr-3181	169	32	to	to	PART
fsr-3181	169	33	drop	drop	VERB
fsr-3181	169	34	or	or	CCONJ
fsr-3181	169	35	decrease	decrease	VERB
fsr-3181	169	36	term	term	NOUN
fsr-3181	169	37	(	(	PUNCT
fsr-3181	169	38	whole	whole	ADJ
fsr-3181	169	39	)	)	PUNCT
fsr-3181	169	40	life	life	NOUN
fsr-3181	169	41	insurance	insurance	NOUN
fsr-3181	169	42	since	since	SCONJ
fsr-3181	169	43	2007	2007	NUM
fsr-3181	169	44	,	,	PUNCT
fsr-3181	169	45	where	where	SCONJ
fsr-3181	169	46	dropdecrtermi	dropdecrtermi	NOUN
fsr-3181	169	47	=	=	SYM
fsr-3181	169	48	1	1	NUM
fsr-3181	169	49	(	(	PUNCT
fsr-3181	169	50	dropdecrwholei	dropdecrwholei	NOUN
fsr-3181	169	51	=	=	SYM
fsr-3181	169	52	1	1	NUM
fsr-3181	169	53	)	)	PUNCT
fsr-3181	169	54	.	.	PUNCT
fsr-3181	170	1	the	the	DET
fsr-3181	170	2	variables	variable	NOUN
fsr-3181	170	3	of	of	ADP
fsr-3181	170	4	household	household	NOUN
fsr-3181	170	5	portfolio	portfolio	NOUN
fsr-3181	170	6	allocation	allocation	NOUN
fsr-3181	170	7	decisions	decision	NOUN
fsr-3181	170	8	and	and	CCONJ
fsr-3181	170	9	control	control	NOUN
fsr-3181	170	10	variables	variable	NOUN
fsr-3181	170	11	are	be	AUX
fsr-3181	170	12	the	the	DET
fsr-3181	170	13	same	same	ADJ
fsr-3181	170	14	as	as	ADP
fsr-3181	170	15	the	the	DET
fsr-3181	170	16	previous	previous	ADJ
fsr-3181	170	17	regressions	regression	NOUN
fsr-3181	170	18	described	describe	VERB
fsr-3181	170	19	by	by	ADP
fsr-3181	170	20	equations	equation	NOUN
fsr-3181	170	21	(	(	PUNCT
fsr-3181	170	22	1	1	NUM
fsr-3181	170	23	)	)	PUNCT
fsr-3181	170	24	to	to	ADP
fsr-3181	170	25	(	(	PUNCT
fsr-3181	170	26	4	4	NUM
fsr-3181	170	27	)	)	PUNCT
fsr-3181	170	28	.	.	PUNCT
fsr-3181	171	1	lnnewincrtermi	lnnewincrtermi	NOUN
fsr-3181	171	2	=	=	SYM
fsr-3181	171	3			PROPN
fsr-3181	171	4	+	+	NOUN
fsr-3181	171	5			NOUN
fsr-3181	171	6	1	1	NUM
fsr-3181	171	7	invmorecashi	invmorecashi	NOUN
fsr-3181	171	8	+	+	CCONJ
fsr-3181	171	9			PROPN
fsr-3181	171	10	2	2	NUM
fsr-3181	171	11	invmorebondsi	invmorebondsi	NOUN
fsr-3181	171	12	+	+	CCONJ
fsr-3181	171	13			PROPN
fsr-3181	171	14	3	3	NUM
fsr-3181	171	15	invlessstocki	invlessstocki	NOUN
fsr-3181	171	16	+	+	CCONJ
fsr-3181	171	17			NOUN
fsr-3181	171	18	4	4	NUM
fsr-3181	171	19	invmorerai	invmorerai	ADJ
fsr-3181	171	20	+	+	CCONJ
fsr-3181	171	21			PROPN
fsr-3181	171	22	5	5	NUM
fsr-3181	171	23	moreriskaveri	moreriskaveri	NOUN
fsr-3181	171	24	+	+	PROPN
fsr-3181	171	25			PROPN
fsr-3181	171	26	6	6	NUM
fsr-3181	171	27	invlesslongi	invlesslongi	NOUN
fsr-3181	171	28	+	+	CCONJ
fsr-3181	171	29			NOUN
fsr-3181	171	30	7	7	NUM
fsr-3181	171	31	lndropdecrwholei	lndropdecrwholei	NOUN
fsr-3181	171	32	+	+	CCONJ
fsr-3181	171	33	control	control	NOUN
fsr-3181	171	34	variables	variable	NOUN
fsr-3181	171	35	+	+	CCONJ
fsr-3181	171	36	𝑖	𝑖	ADJ
fsr-3181	171	37	,	,	PUNCT
fsr-3181	171	38	(	(	PUNCT
fsr-3181	171	39	5	5	X
fsr-3181	171	40	)	)	PUNCT
fsr-3181	171	41	lnnewincrwholei	lnnewincrwholei	NOUN
fsr-3181	171	42	=	=	PUNCT
fsr-3181	171	43			X
fsr-3181	171	44	+	+	NOUN
fsr-3181	171	45			NOUN
fsr-3181	171	46	1	1	NUM
fsr-3181	171	47	invmorecashi	invmorecashi	NOUN
fsr-3181	171	48	+	+	CCONJ
fsr-3181	171	49			PROPN
fsr-3181	171	50	2	2	NUM
fsr-3181	171	51	invmorebondsi	invmorebondsi	NOUN
fsr-3181	171	52	+	+	CCONJ
fsr-3181	171	53			PROPN
fsr-3181	171	54	3	3	NUM
fsr-3181	171	55	invlessstocki	invlessstocki	NOUN
fsr-3181	171	56	+	+	CCONJ
fsr-3181	171	57			NOUN
fsr-3181	171	58	4	4	NUM
fsr-3181	171	59	invmorerai	invmorerai	ADJ
fsr-3181	171	60	+	+	CCONJ
fsr-3181	171	61			NOUN
fsr-3181	171	62	5	5	NUM
fsr-3181	171	63	paydebti	paydebti	NOUN
fsr-3181	171	64	+	+	CCONJ
fsr-3181	171	65			PROPN
fsr-3181	171	66	6	6	NUM
fsr-3181	171	67	spendlessi	spendlessi	NOUN
fsr-3181	171	68	+	+	CCONJ
fsr-3181	171	69			PROPN
fsr-3181	171	70	7	7	NUM
fsr-3181	171	71	moreriskaveri	moreriskaveri	NOUN
fsr-3181	171	72	+	+	PROPN
fsr-3181	171	73			PROPN
fsr-3181	171	74	8	8	NUM
fsr-3181	171	75	invlesslongi	invlesslongi	NOUN
fsr-3181	171	76	+	+	CCONJ
fsr-3181	171	77			NOUN
fsr-3181	171	78	9	9	NUM
fsr-3181	171	79	lndropdecrtermi	lndropdecrtermi	NOUN
fsr-3181	171	80	+	+	CCONJ
fsr-3181	171	81	control	control	NOUN
fsr-3181	171	82	variables	variable	NOUN
fsr-3181	171	83	+	+	CCONJ
fsr-3181	171	84	𝑖	𝑖	ADJ
fsr-3181	171	85	,	,	PUNCT
fsr-3181	171	86	(	(	PUNCT
fsr-3181	171	87	6	6	X
fsr-3181	171	88	)	)	PUNCT
fsr-3181	171	89	financial	financial	ADJ
fsr-3181	171	90	services	service	NOUN
fsr-3181	171	91	review	review	PROPN
fsr-3181	171	92	,	,	PUNCT
fsr-3181	171	93	32(1	32(1	NUM
fsr-3181	171	94	)	)	PUNCT
fsr-3181	171	95	8	8	NUM
fsr-3181	171	96	lndropdecrtermi	lndropdecrtermi	NOUN
fsr-3181	171	97	=	=	SYM
fsr-3181	171	98			NOUN
fsr-3181	171	99	+	+	NOUN
fsr-3181	171	100			NOUN
fsr-3181	171	101	1	1	NUM
fsr-3181	171	102	invmorecashi	invmorecashi	NOUN
fsr-3181	171	103	+	+	CCONJ
fsr-3181	171	104			PROPN
fsr-3181	171	105	2	2	NUM
fsr-3181	171	106	invmorebondsi	invmorebondsi	NOUN
fsr-3181	171	107	+	+	CCONJ
fsr-3181	171	108			PROPN
fsr-3181	171	109	3	3	NUM
fsr-3181	171	110	invlessstocki	invlessstocki	NOUN
fsr-3181	171	111	+	+	CCONJ
fsr-3181	171	112			PROPN
fsr-3181	171	113	4	4	NUM
fsr-3181	171	114	invlessrai	invlessrai	ADJ
fsr-3181	171	115	+	+	CCONJ
fsr-3181	171	116			PROPN
fsr-3181	171	117	5	5	NUM
fsr-3181	171	118	invlesslongi	invlesslongi	NOUN
fsr-3181	171	119	+	+	CCONJ
fsr-3181	171	120			PROPN
fsr-3181	171	121	6	6	NUM
fsr-3181	171	122	lnnewincrwholei	lnnewincrwholei	NOUN
fsr-3181	171	123	+	+	CCONJ
fsr-3181	171	124	control	control	NOUN
fsr-3181	171	125	variables	variable	NOUN
fsr-3181	171	126	+	+	CCONJ
fsr-3181	171	127	𝑖	𝑖	ADJ
fsr-3181	171	128	,	,	PUNCT
fsr-3181	171	129	(	(	PUNCT
fsr-3181	171	130	7	7	X
fsr-3181	171	131	)	)	PUNCT
fsr-3181	171	132	lndropdecrwholei	lndropdecrwholei	NOUN
fsr-3181	171	133	=	=	SYM
fsr-3181	171	134			X
fsr-3181	171	135	+	+	NOUN
fsr-3181	171	136			NOUN
fsr-3181	171	137	1	1	NUM
fsr-3181	171	138	invmorecashi	invmorecashi	NOUN
fsr-3181	171	139	+	+	CCONJ
fsr-3181	171	140			PROPN
fsr-3181	171	141	2	2	NUM
fsr-3181	171	142	invmorebondsi	invmorebondsi	NOUN
fsr-3181	171	143	+	+	CCONJ
fsr-3181	171	144			PROPN
fsr-3181	171	145	3	3	NUM
fsr-3181	171	146	invlessstocki	invlessstocki	NOUN
fsr-3181	171	147	+	+	CCONJ
fsr-3181	171	148			PROPN
fsr-3181	171	149	4	4	NUM
fsr-3181	171	150	invlessrai	invlessrai	ADJ
fsr-3181	171	151	+	+	CCONJ
fsr-3181	171	152			PROPN
fsr-3181	171	153	5	5	NUM
fsr-3181	171	154	paydebti	paydebti	NOUN
fsr-3181	171	155	+	+	CCONJ
fsr-3181	171	156			PROPN
fsr-3181	171	157	6	6	NUM
fsr-3181	171	158	spendlessi	spendlessi	NOUN
fsr-3181	171	159	+	+	CCONJ
fsr-3181	171	160			PROPN
fsr-3181	171	161	7	7	NUM
fsr-3181	171	162	invlesslongi	invlesslongi	NOUN
fsr-3181	171	163	+	+	CCONJ
fsr-3181	171	164			PROPN
fsr-3181	171	165	8	8	NUM
fsr-3181	171	166	lnnewincrtermi	lnnewincrtermi	NOUN
fsr-3181	171	167	+	+	CCONJ
fsr-3181	171	168	control	control	NOUN
fsr-3181	171	169	variables	variable	NOUN
fsr-3181	171	170	+	+	CCONJ
fsr-3181	171	171	𝑖	𝑖	ADJ
fsr-3181	171	172	,	,	PUNCT
fsr-3181	171	173	(	(	PUNCT
fsr-3181	171	174	8)	8)	NUM
fsr-3181	171	175	to	to	PART
fsr-3181	171	176	address	address	VERB
fsr-3181	171	177	potential	potential	ADJ
fsr-3181	171	178	endogeneity	endogeneity	NOUN
fsr-3181	171	179	issues	issue	NOUN
fsr-3181	171	180	arising	arise	VERB
fsr-3181	171	181	from	from	ADP
fsr-3181	171	182	substitution	substitution	NOUN
fsr-3181	171	183	effects	effect	NOUN
fsr-3181	171	184	,	,	PUNCT
fsr-3181	171	185	we	we	PRON
fsr-3181	171	186	conducted	conduct	VERB
fsr-3181	171	187	wald	wald	NOUN
fsr-3181	171	188	exogeneity	exogeneity	NOUN
fsr-3181	171	189	tests	test	VERB
fsr-3181	171	190	for	for	ADP
fsr-3181	171	191	all	all	DET
fsr-3181	171	192	four	four	NUM
fsr-3181	171	193	probit	probit	NOUN
fsr-3181	171	194	models	model	NOUN
fsr-3181	171	195	and	and	CCONJ
fsr-3181	171	196	four	four	NUM
fsr-3181	171	197	truncated	truncated	ADJ
fsr-3181	171	198	models	model	NOUN
fsr-3181	171	199	7	7	NUM
fsr-3181	171	200	.	.	PUNCT
fsr-3181	172	1	these	these	DET
fsr-3181	172	2	tests	test	NOUN
fsr-3181	172	3	failed	fail	VERB
fsr-3181	172	4	to	to	PART
fsr-3181	172	5	reject	reject	VERB
fsr-3181	172	6	exogeneity	exogeneity	NOUN
fsr-3181	172	7	for	for	ADP
fsr-3181	172	8	any	any	PRON
fsr-3181	172	9	of	of	ADP
fsr-3181	172	10	the	the	DET
fsr-3181	172	11	equations	equation	NOUN
fsr-3181	172	12	.	.	PUNCT
fsr-3181	173	1	hence	hence	ADV
fsr-3181	173	2	,	,	PUNCT
fsr-3181	173	3	we	we	PRON
fsr-3181	173	4	were	be	AUX
fsr-3181	173	5	able	able	ADJ
fsr-3181	173	6	to	to	PART
fsr-3181	173	7	directly	directly	ADV
fsr-3181	173	8	apply	apply	VERB
fsr-3181	173	9	probit	probit	NOUN
fsr-3181	173	10	regressions	regression	NOUN
fsr-3181	173	11	and	and	CCONJ
fsr-3181	173	12	truncated	truncated	ADJ
fsr-3181	173	13	regressions	regression	NOUN
fsr-3181	173	14	to	to	PART
fsr-3181	173	15	identify	identify	VERB
fsr-3181	173	16	the	the	DET
fsr-3181	173	17	variables	variable	NOUN
fsr-3181	173	18	related	relate	VERB
fsr-3181	173	19	to	to	ADP
fsr-3181	173	20	household	household	NOUN
fsr-3181	173	21	portfolio	portfolio	NOUN
fsr-3181	173	22	allocation	allocation	NOUN
fsr-3181	173	23	decisions	decision	NOUN
fsr-3181	173	24	that	that	PRON
fsr-3181	173	25	have	have	VERB
fsr-3181	173	26	a	a	DET
fsr-3181	173	27	significant	significant	ADJ
fsr-3181	173	28	and	and	CCONJ
fsr-3181	173	29	dynamic	dynamic	ADJ
fsr-3181	173	30	impact	impact	NOUN
fsr-3181	173	31	on	on	ADP
fsr-3181	173	32	life	life	NOUN
fsr-3181	173	33	insurance	insurance	NOUN
fsr-3181	173	34	ownership	ownership	NOUN
fsr-3181	173	35	and	and	CCONJ
fsr-3181	173	36	coverage	coverage	NOUN
fsr-3181	173	37	decisions	decision	NOUN
fsr-3181	173	38	.	.	PUNCT
fsr-3181	174	1	in	in	ADP
fsr-3181	174	2	addition	addition	NOUN
fsr-3181	174	3	,	,	PUNCT
fsr-3181	174	4	we	we	PRON
fsr-3181	174	5	checked	check	VERB
fsr-3181	174	6	for	for	ADP
fsr-3181	174	7	robustness	robustness	NOUN
fsr-3181	174	8	by	by	ADP
fsr-3181	174	9	incorporating	incorporate	VERB
fsr-3181	174	10	instrument	instrument	NOUN
fsr-3181	174	11	variables	variable	NOUN
fsr-3181	174	12	(	(	PUNCT
fsr-3181	174	13	iv	iv	X
fsr-3181	174	14	)	)	PUNCT
fsr-3181	174	15	for	for	ADP
fsr-3181	174	16	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	174	17	,	,	PUNCT
fsr-3181	174	18	dropdecrterm	dropdecrterm	NOUN
fsr-3181	174	19	,	,	PUNCT
fsr-3181	174	20	newincrwhole	newincrwhole	NOUN
fsr-3181	174	21	,	,	PUNCT
fsr-3181	174	22	and	and	CCONJ
fsr-3181	174	23	newincrterm	newincrterm	NOUN
fsr-3181	174	24	into	into	ADP
fsr-3181	174	25	the	the	DET
fsr-3181	174	26	probit	probit	NOUN
fsr-3181	174	27	regressions	regression	NOUN
fsr-3181	174	28	described	describe	VERB
fsr-3181	174	29	by	by	ADP
fsr-3181	174	30	equations	equation	NOUN
fsr-3181	174	31	(	(	PUNCT
fsr-3181	174	32	1	1	NUM
fsr-3181	174	33	)	)	PUNCT
fsr-3181	174	34	,	,	PUNCT
fsr-3181	174	35	(	(	PUNCT
fsr-3181	174	36	2	2	NUM
fsr-3181	174	37	)	)	PUNCT
fsr-3181	174	38	,	,	PUNCT
fsr-3181	174	39	(	(	PUNCT
fsr-3181	174	40	3	3	NUM
fsr-3181	174	41	)	)	PUNCT
fsr-3181	174	42	,	,	PUNCT
fsr-3181	174	43	and	and	CCONJ
fsr-3181	174	44	(	(	PUNCT
fsr-3181	174	45	4	4	X
fsr-3181	174	46	)	)	PUNCT
fsr-3181	174	47	respectively	respectively	ADV
fsr-3181	174	48	,	,	PUNCT
fsr-3181	174	49	through	through	ADP
fsr-3181	174	50	a	a	DET
fsr-3181	174	51	two	two	NUM
fsr-3181	174	52	-	-	PUNCT
fsr-3181	174	53	stage	stage	NOUN
fsr-3181	174	54	process	process	NOUN
fsr-3181	174	55	.	.	PUNCT
fsr-3181	175	1	in	in	ADP
fsr-3181	175	2	the	the	DET
fsr-3181	175	3	first	first	ADJ
fsr-3181	175	4	stage	stage	NOUN
fsr-3181	175	5	,	,	PUNCT
fsr-3181	175	6	for	for	ADP
fsr-3181	175	7	instance	instance	NOUN
fsr-3181	175	8	,	,	PUNCT
fsr-3181	175	9	we	we	PRON
fsr-3181	175	10	estimated	estimate	VERB
fsr-3181	175	11	the	the	DET
fsr-3181	175	12	predicted	predict	VERB
fsr-3181	175	13	values	value	NOUN
fsr-3181	175	14	of	of	ADP
fsr-3181	175	15	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	175	16	using	use	VERB
fsr-3181	175	17	all	all	DET
fsr-3181	175	18	the	the	DET
fsr-3181	175	19	explanatory	explanatory	ADJ
fsr-3181	175	20	variables	variable	NOUN
fsr-3181	175	21	except	except	SCONJ
fsr-3181	175	22	newincrterm	newincrterm	NOUN
fsr-3181	175	23	and	and	CCONJ
fsr-3181	175	24	the	the	DET
fsr-3181	175	25	control	control	NOUN
fsr-3181	175	26	variables	variable	NOUN
fsr-3181	175	27	specified	specify	VERB
fsr-3181	175	28	in	in	ADP
fsr-3181	175	29	equation	equation	NOUN
fsr-3181	175	30	(	(	PUNCT
fsr-3181	175	31	4	4	NUM
fsr-3181	175	32	)	)	PUNCT
fsr-3181	175	33	.	.	PUNCT
fsr-3181	176	1	in	in	ADP
fsr-3181	176	2	the	the	DET
fsr-3181	176	3	second	second	ADJ
fsr-3181	176	4	stage	stage	NOUN
fsr-3181	176	5	,	,	PUNCT
fsr-3181	176	6	we	we	PRON
fsr-3181	176	7	employed	employ	VERB
fsr-3181	176	8	the	the	DET
fsr-3181	176	9	predicted	predict	VERB
fsr-3181	176	10	values	value	NOUN
fsr-3181	176	11	derived	derive	VERB
fsr-3181	176	12	from	from	ADP
fsr-3181	176	13	the	the	DET
fsr-3181	176	14	first	first	ADJ
fsr-3181	176	15	stage	stage	NOUN
fsr-3181	176	16	as	as	ADP
fsr-3181	176	17	the	the	DET
fsr-3181	176	18	iv	iv	NOUN
fsr-3181	176	19	for	for	ADP
fsr-3181	176	20	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	176	21	to	to	PART
fsr-3181	176	22	conduct	conduct	VERB
fsr-3181	176	23	the	the	DET
fsr-3181	176	24	probit	probit	NOUN
fsr-3181	176	25	regression	regression	NOUN
fsr-3181	176	26	described	describe	VERB
fsr-3181	176	27	by	by	ADP
fsr-3181	176	28	equation	equation	NOUN
fsr-3181	176	29	(	(	PUNCT
fsr-3181	176	30	1	1	NUM
fsr-3181	176	31	)	)	PUNCT
fsr-3181	176	32	.	.	PUNCT
fsr-3181	177	1	this	this	DET
fsr-3181	177	2	approach	approach	NOUN
fsr-3181	177	3	effectively	effectively	ADV
fsr-3181	177	4	addresses	address	VERB
fsr-3181	177	5	the	the	DET
fsr-3181	177	6	endogeneity	endogeneity	NOUN
fsr-3181	177	7	of	of	ADP
fsr-3181	177	8	the	the	DET
fsr-3181	177	9	independent	independent	ADJ
fsr-3181	177	10	variable	variable	ADJ
fsr-3181	177	11	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	177	12	,	,	PUNCT
fsr-3181	177	13	while	while	SCONJ
fsr-3181	177	14	ensuring	ensure	VERB
fsr-3181	177	15	that	that	SCONJ
fsr-3181	177	16	the	the	DET
fsr-3181	177	17	iv	iv	NOUN
fsr-3181	177	18	is	be	AUX
fsr-3181	177	19	not	not	PART
fsr-3181	177	20	correlated	correlate	VERB
fsr-3181	177	21	with	with	ADP
fsr-3181	177	22	the	the	DET
fsr-3181	177	23	dependent	dependent	ADJ
fsr-3181	177	24	variable	variable	ADJ
fsr-3181	177	25	newincrterm	newincrterm	NOUN
fsr-3181	177	26	in	in	ADP
fsr-3181	177	27	equation	equation	NOUN
fsr-3181	177	28	(	(	PUNCT
fsr-3181	177	29	1	1	NUM
fsr-3181	177	30	)	)	PUNCT
fsr-3181	177	31	.	.	PUNCT
fsr-3181	178	1	it	it	PRON
fsr-3181	178	2	is	be	AUX
fsr-3181	178	3	noted	note	VERB
fsr-3181	178	4	that	that	SCONJ
fsr-3181	178	5	our	our	PRON
fsr-3181	178	6	robustness	robustness	NOUN
fsr-3181	178	7	analyses	analysis	NOUN
fsr-3181	178	8	demonstrated	demonstrate	VERB
fsr-3181	178	9	no	no	DET
fsr-3181	178	10	significant	significant	ADJ
fsr-3181	178	11	deviations	deviation	NOUN
fsr-3181	178	12	from	from	ADP
fsr-3181	178	13	the	the	DET
fsr-3181	178	14	results	result	NOUN
fsr-3181	178	15	we	we	PRON
fsr-3181	178	16	initially	initially	ADV
fsr-3181	178	17	obtained	obtain	VERB
fsr-3181	178	18	regarding	regard	VERB
fsr-3181	178	19	the	the	DET
fsr-3181	178	20	determinants	determinant	NOUN
fsr-3181	178	21	of	of	ADP
fsr-3181	178	22	the	the	DET
fsr-3181	178	23	demand	demand	NOUN
fsr-3181	178	24	for	for	ADP
fsr-3181	178	25	life	life	NOUN
fsr-3181	178	26	insurance8	insurance8	NOUN
fsr-3181	178	27	.	.	PUNCT
fsr-3181	179	1	results	result	NOUN
fsr-3181	179	2	summary	summary	VERB
fsr-3181	179	3	statistics	statistic	NOUN
fsr-3181	179	4	summary	summary	PROPN
fsr-3181	179	5	statistics	statistic	NOUN
fsr-3181	179	6	and	and	CCONJ
fsr-3181	179	7	variable	variable	ADJ
fsr-3181	179	8	definitions	definition	NOUN
fsr-3181	179	9	of	of	ADP
fsr-3181	179	10	the	the	DET
fsr-3181	179	11	full	full	ADJ
fsr-3181	179	12	sample	sample	NOUN
fsr-3181	179	13	are	be	AUX
fsr-3181	179	14	reported	report	VERB
fsr-3181	179	15	in	in	ADP
fsr-3181	179	16	table	table	NOUN
fsr-3181	179	17	1	1	NUM
fsr-3181	179	18	.	.	PUNCT
fsr-3181	180	1	it	it	PRON
fsr-3181	180	2	shows	show	VERB
fsr-3181	180	3	that	that	SCONJ
fsr-3181	180	4	around	around	ADV
fsr-3181	180	5	28	28	NUM
fsr-3181	180	6	%	%	NOUN
fsr-3181	180	7	of	of	ADP
fsr-3181	180	8	the	the	DET
fsr-3181	180	9	households	household	NOUN
fsr-3181	180	10	that	that	PRON
fsr-3181	180	11	were	be	AUX
fsr-3181	180	12	reinterviewed	reinterviewe	VERB
fsr-3181	180	13	in	in	ADP
fsr-3181	180	14	2009	2009	NUM
fsr-3181	180	15	had	have	AUX
fsr-3181	180	16	initiated	initiate	VERB
fsr-3181	180	17	or	or	CCONJ
fsr-3181	180	18	increased	increase	VERB
fsr-3181	180	19	their	their	PRON
fsr-3181	180	20	holdings	holding	NOUN
fsr-3181	180	21	of	of	ADP
fsr-3181	180	22	term	term	NOUN
fsr-3181	180	23	life	life	NOUN
fsr-3181	180	24	insurance	insurance	NOUN
fsr-3181	180	25	,	,	PUNCT
fsr-3181	180	26	and	and	CCONJ
fsr-3181	180	27	18	18	NUM
fsr-3181	180	28	%	%	NOUN
fsr-3181	180	29	had	have	AUX
fsr-3181	180	30	initiated	initiate	VERB
fsr-3181	180	31	or	or	CCONJ
fsr-3181	180	32	increased	increase	VERB
fsr-3181	180	33	their	their	PRON
fsr-3181	180	34	holdings	holding	NOUN
fsr-3181	180	35	of	of	ADP
fsr-3181	180	36	whole	whole	ADJ
fsr-3181	180	37	life	life	NOUN
fsr-3181	180	38	insurance	insurance	NOUN
fsr-3181	180	39	since	since	SCONJ
fsr-3181	180	40	2007	2007	NUM
fsr-3181	180	41	.	.	PUNCT
fsr-3181	181	1	additionally	additionally	ADV
fsr-3181	181	2	,	,	PUNCT
fsr-3181	181	3	about	about	ADV
fsr-3181	181	4	29	29	NUM
fsr-3181	181	5	%	%	NOUN
fsr-3181	181	6	of	of	ADP
fsr-3181	181	7	the	the	DET
fsr-3181	181	8	households	household	NOUN
fsr-3181	181	9	that	that	PRON
fsr-3181	181	10	owned	own	VERB
fsr-3181	181	11	term	term	NOUN
fsr-3181	181	12	life	life	NOUN
fsr-3181	181	13	insurance	insurance	NOUN
fsr-3181	181	14	in	in	ADP
fsr-3181	181	15	2007	2007	NUM
fsr-3181	181	16	had	have	AUX
fsr-3181	181	17	dropped	drop	VERB
fsr-3181	181	18	or	or	CCONJ
fsr-3181	181	19	decreased	decrease	VERB
fsr-3181	181	20	their	their	PRON
fsr-3181	181	21	coverage	coverage	NOUN
fsr-3181	181	22	in	in	ADP
fsr-3181	181	23	2009	2009	NUM
fsr-3181	181	24	,	,	PUNCT
fsr-3181	181	25	while	while	SCONJ
fsr-3181	181	26	19	19	NUM
fsr-3181	181	27	%	%	NOUN
fsr-3181	181	28	of	of	ADP
fsr-3181	181	29	the	the	DET
fsr-3181	181	30	households	household	NOUN
fsr-3181	181	31	that	that	PRON
fsr-3181	181	32	owned	own	VERB
fsr-3181	181	33	whole	whole	ADJ
fsr-3181	181	34	life	life	NOUN
fsr-3181	181	35	insurance	insurance	NOUN
fsr-3181	181	36	in	in	ADP
fsr-3181	181	37	2007	2007	NUM
fsr-3181	181	38	had	have	AUX
fsr-3181	181	39	dropped	drop	VERB
fsr-3181	181	40	or	or	CCONJ
fsr-3181	181	41	decreased	decrease	VERB
fsr-3181	181	42	their	their	PRON
fsr-3181	181	43	coverage	coverage	NOUN
fsr-3181	181	44	in	in	ADP
fsr-3181	181	45	2009	2009	NUM
fsr-3181	181	46	(	(	PUNCT
fsr-3181	181	47	also	also	ADV
fsr-3181	181	48	see	see	VERB
fsr-3181	181	49	wang	wang	PROPN
fsr-3181	181	50	,	,	PUNCT
fsr-3181	181	51	2023	2023	NUM
fsr-3181	181	52	)	)	PUNCT
fsr-3181	181	53	.	.	PUNCT
fsr-3181	182	1	table	table	NOUN
fsr-3181	182	2	2	2	NUM
fsr-3181	182	3	presents	present	NOUN
fsr-3181	182	4	summary	summary	NOUN
fsr-3181	182	5	statistics	statistic	NOUN
fsr-3181	182	6	for	for	ADP
fsr-3181	182	7	the	the	DET
fsr-3181	182	8	four	four	NUM
fsr-3181	182	9	subsamples	subsample	NOUN
fsr-3181	182	10	of	of	ADP
fsr-3181	182	11	households	household	NOUN
fsr-3181	182	12	that	that	PRON
fsr-3181	182	13	experienced	experience	VERB
fsr-3181	182	14	changes	change	NOUN
fsr-3181	182	15	in	in	ADP
fsr-3181	182	16	life	life	NOUN
fsr-3181	182	17	insurance	insurance	NOUN
fsr-3181	182	18	ownership	ownership	NOUN
fsr-3181	182	19	since	since	SCONJ
fsr-3181	182	20	2007	2007	NUM
fsr-3181	182	21	.	.	PUNCT
fsr-3181	183	1	7	7	NUM
fsr-3181	183	2	for	for	ADP
fsr-3181	183	3	example	example	NOUN
fsr-3181	183	4	,	,	PUNCT
fsr-3181	183	5	in	in	ADP
fsr-3181	183	6	equation	equation	NOUN
fsr-3181	183	7	(	(	PUNCT
fsr-3181	183	8	1	1	NUM
fsr-3181	183	9	)	)	PUNCT
fsr-3181	183	10	,	,	PUNCT
fsr-3181	183	11	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	183	12	is	be	AUX
fsr-3181	183	13	included	include	VERB
fsr-3181	183	14	as	as	ADP
fsr-3181	183	15	an	an	DET
fsr-3181	183	16	explanatory	explanatory	ADJ
fsr-3181	183	17	variable	variable	NOUN
fsr-3181	183	18	that	that	PRON
fsr-3181	183	19	could	could	AUX
fsr-3181	183	20	impact	impact	VERB
fsr-3181	183	21	household	household	NOUN
fsr-3181	183	22	decisions	decision	NOUN
fsr-3181	183	23	to	to	PART
fsr-3181	183	24	purchase	purchase	VERB
fsr-3181	183	25	term	term	NOUN
fsr-3181	183	26	life	life	NOUN
fsr-3181	183	27	insurance	insurance	NOUN
fsr-3181	183	28	(	(	PUNCT
fsr-3181	183	29	newincrterm	newincrterm	PROPN
fsr-3181	183	30	)	)	PUNCT
fsr-3181	183	31	in	in	ADP
fsr-3181	183	32	equation	equation	NOUN
fsr-3181	183	33	(	(	PUNCT
fsr-3181	183	34	1	1	NUM
fsr-3181	183	35	)	)	PUNCT
fsr-3181	183	36	.	.	PUNCT
fsr-3181	184	1	however	however	ADV
fsr-3181	184	2	,	,	PUNCT
fsr-3181	184	3	newincrterm	newincrterm	NOUN
fsr-3181	184	4	is	be	AUX
fsr-3181	184	5	included	include	VERB
fsr-3181	184	6	as	as	ADP
fsr-3181	184	7	an	an	DET
fsr-3181	184	8	explanatory	explanatory	ADJ
fsr-3181	184	9	variable	variable	NOUN
fsr-3181	184	10	that	that	PRON
fsr-3181	184	11	could	could	AUX
fsr-3181	184	12	impact	impact	VERB
fsr-3181	184	13	household	household	NOUN
fsr-3181	184	14	decisions	decision	NOUN
fsr-3181	184	15	to	to	PART
fsr-3181	184	16	drop	drop	VERB
fsr-3181	184	17	whole	whole	ADJ
fsr-3181	184	18	life	life	NOUN
fsr-3181	184	19	insurance	insurance	NOUN
fsr-3181	184	20	in	in	ADP
fsr-3181	184	21	equation	equation	NOUN
fsr-3181	184	22	(	(	PUNCT
fsr-3181	184	23	4	4	NUM
fsr-3181	184	24	)	)	PUNCT
fsr-3181	184	25	.	.	PUNCT
fsr-3181	185	1	this	this	DET
fsr-3181	185	2	inclusion	inclusion	NOUN
fsr-3181	185	3	of	of	ADP
fsr-3181	185	4	substitution	substitution	NOUN
fsr-3181	185	5	effects	effect	NOUN
fsr-3181	185	6	in	in	ADP
fsr-3181	185	7	both	both	DET
fsr-3181	185	8	equations	equation	NOUN
fsr-3181	185	9	may	may	AUX
fsr-3181	185	10	give	give	VERB
fsr-3181	185	11	rise	rise	NOUN
fsr-3181	185	12	to	to	ADP
fsr-3181	185	13	potential	potential	ADJ
fsr-3181	185	14	endogeneity	endogeneity	NOUN
fsr-3181	185	15	concerns	concern	NOUN
fsr-3181	185	16	.	.	PUNCT
fsr-3181	186	1	the	the	DET
fsr-3181	186	2	same	same	ADJ
fsr-3181	186	3	as	as	ADP
fsr-3181	186	4	liebenberg	liebenberg	ADV
fsr-3181	186	5	et	et	PROPN
fsr-3181	186	6	al	al	PROPN
fsr-3181	186	7	.	.	PROPN
fsr-3181	186	8	(	(	PUNCT
fsr-3181	186	9	2012	2012	NUM
fsr-3181	186	10	)	)	PUNCT
fsr-3181	186	11	,	,	PUNCT
fsr-3181	186	12	wald	wald	NOUN
fsr-3181	186	13	exogeneity	exogeneity	NOUN
fsr-3181	186	14	test	test	NOUN
fsr-3181	186	15	was	be	AUX
fsr-3181	186	16	applied	apply	VERB
fsr-3181	186	17	to	to	PART
fsr-3181	186	18	check	check	VERB
fsr-3181	186	19	for	for	ADP
fsr-3181	186	20	endogeneity	endogeneity	NOUN
fsr-3181	186	21	in	in	ADP
fsr-3181	186	22	each	each	DET
fsr-3181	186	23	equation	equation	NOUN
fsr-3181	186	24	.	.	PUNCT
fsr-3181	187	1	if	if	SCONJ
fsr-3181	187	2	the	the	DET
fsr-3181	187	3	test	test	NOUN
fsr-3181	187	4	indicates	indicate	VERB
fsr-3181	187	5	that	that	SCONJ
fsr-3181	187	6	those	those	DET
fsr-3181	187	7	variables	variable	NOUN
fsr-3181	187	8	are	be	AUX
fsr-3181	187	9	exogenous	exogenous	ADJ
fsr-3181	187	10	,	,	PUNCT
fsr-3181	187	11	we	we	PRON
fsr-3181	187	12	can	can	AUX
fsr-3181	187	13	estimate	estimate	VERB
fsr-3181	187	14	the	the	DET
fsr-3181	187	15	equation	equation	NOUN
fsr-3181	187	16	using	use	VERB
fsr-3181	187	17	the	the	DET
fsr-3181	187	18	original	original	ADJ
fsr-3181	187	19	probit	probit	NOUN
fsr-3181	187	20	or	or	CCONJ
fsr-3181	187	21	truncated	truncated	ADJ
fsr-3181	187	22	model	model	NOUN
fsr-3181	187	23	as	as	SCONJ
fsr-3181	187	24	they	they	PRON
fsr-3181	187	25	can	can	AUX
fsr-3181	187	26	provide	provide	VERB
fsr-3181	187	27	efficient	efficient	ADJ
fsr-3181	187	28	and	and	CCONJ
fsr-3181	187	29	consistent	consistent	ADJ
fsr-3181	187	30	results	result	NOUN
fsr-3181	187	31	.	.	PUNCT
fsr-3181	188	1	if	if	SCONJ
fsr-3181	188	2	the	the	DET
fsr-3181	188	3	regressors	regressor	NOUN
fsr-3181	188	4	are	be	AUX
fsr-3181	188	5	endogenous	endogenous	ADJ
fsr-3181	188	6	,	,	PUNCT
fsr-3181	188	7	the	the	DET
fsr-3181	188	8	approach	approach	NOUN
fsr-3181	188	9	of	of	ADP
fsr-3181	188	10	two	two	NUM
fsr-3181	188	11	-	-	PUNCT
fsr-3181	188	12	stage	stage	NOUN
fsr-3181	188	13	least	least	ADJ
fsr-3181	188	14	squares	square	NOUN
fsr-3181	188	15	should	should	AUX
fsr-3181	188	16	be	be	AUX
fsr-3181	188	17	used	use	VERB
fsr-3181	188	18	for	for	ADP
fsr-3181	188	19	the	the	DET
fsr-3181	188	20	equation	equation	NOUN
fsr-3181	188	21	.	.	PUNCT
fsr-3181	189	1	we	we	PRON
fsr-3181	189	2	have	have	AUX
fsr-3181	189	3	reported	report	VERB
fsr-3181	189	4	the	the	DET
fsr-3181	189	5	results	result	NOUN
fsr-3181	189	6	of	of	ADP
fsr-3181	189	7	the	the	DET
fsr-3181	189	8	wald	wald	NOUN
fsr-3181	189	9	exogeneity	exogeneity	NOUN
fsr-3181	189	10	tests	test	VERB
fsr-3181	189	11	in	in	ADP
fsr-3181	189	12	tables	table	NOUN
fsr-3181	189	13	3	3	NUM
fsr-3181	189	14	,	,	PUNCT
fsr-3181	189	15	4	4	NUM
fsr-3181	189	16	,	,	PUNCT
fsr-3181	189	17	5	5	NUM
fsr-3181	189	18	,	,	PUNCT
fsr-3181	189	19	and	and	CCONJ
fsr-3181	189	20	6	6	NUM
fsr-3181	189	21	.	.	NOUN
fsr-3181	189	22	8	8	NUM
fsr-3181	189	23	we	we	PRON
fsr-3181	189	24	conducted	conduct	VERB
fsr-3181	189	25	additional	additional	ADJ
fsr-3181	189	26	analysis	analysis	NOUN
fsr-3181	189	27	to	to	PART
fsr-3181	189	28	check	check	VERB
fsr-3181	189	29	for	for	ADP
fsr-3181	189	30	robustness	robustness	NOUN
fsr-3181	189	31	.	.	PUNCT
fsr-3181	190	1	we	we	PRON
fsr-3181	190	2	ran	run	VERB
fsr-3181	190	3	the	the	DET
fsr-3181	190	4	probit	probit	NOUN
fsr-3181	190	5	regressions	regression	NOUN
fsr-3181	190	6	described	describe	VERB
fsr-3181	190	7	by	by	ADP
fsr-3181	190	8	equations	equation	NOUN
fsr-3181	190	9	(	(	PUNCT
fsr-3181	190	10	1	1	NUM
fsr-3181	190	11	)	)	PUNCT
fsr-3181	190	12	to	to	ADP
fsr-3181	190	13	(	(	PUNCT
fsr-3181	190	14	4	4	NUM
fsr-3181	190	15	)	)	PUNCT
fsr-3181	190	16	by	by	ADP
fsr-3181	190	17	adjusting	adjust	VERB
fsr-3181	190	18	the	the	DET
fsr-3181	190	19	values	value	NOUN
fsr-3181	190	20	of	of	ADP
fsr-3181	190	21	the	the	DET
fsr-3181	190	22	control	control	NOUN
fsr-3181	190	23	variables	variable	NOUN
fsr-3181	190	24	from	from	ADP
fsr-3181	190	25	2007	2007	NUM
fsr-3181	190	26	to	to	ADP
fsr-3181	190	27	2009	2009	NUM
fsr-3181	190	28	,	,	PUNCT
fsr-3181	190	29	given	give	VERB
fsr-3181	190	30	that	that	SCONJ
fsr-3181	190	31	these	these	DET
fsr-3181	190	32	four	four	NUM
fsr-3181	190	33	regressions	regression	NOUN
fsr-3181	190	34	provide	provide	VERB
fsr-3181	190	35	the	the	DET
fsr-3181	190	36	primary	primary	ADJ
fsr-3181	190	37	source	source	NOUN
fsr-3181	190	38	of	of	ADP
fsr-3181	190	39	our	our	PRON
fsr-3181	190	40	key	key	ADJ
fsr-3181	190	41	findings	finding	NOUN
fsr-3181	190	42	.	.	PUNCT
fsr-3181	191	1	it	it	PRON
fsr-3181	191	2	is	be	AUX
fsr-3181	191	3	noted	note	VERB
fsr-3181	191	4	that	that	SCONJ
fsr-3181	191	5	the	the	DET
fsr-3181	191	6	results	result	NOUN
fsr-3181	191	7	of	of	ADP
fsr-3181	191	8	this	this	DET
fsr-3181	191	9	analysis	analysis	NOUN
fsr-3181	191	10	also	also	ADV
fsr-3181	191	11	present	present	VERB
fsr-3181	191	12	no	no	DET
fsr-3181	191	13	significant	significant	ADJ
fsr-3181	191	14	deviations	deviation	NOUN
fsr-3181	191	15	from	from	ADP
fsr-3181	191	16	the	the	DET
fsr-3181	191	17	results	result	NOUN
fsr-3181	191	18	outlined	outline	VERB
fsr-3181	191	19	in	in	ADP
fsr-3181	191	20	this	this	DET
fsr-3181	191	21	paper	paper	NOUN
fsr-3181	191	22	,	,	PUNCT
fsr-3181	191	23	indicating	indicate	VERB
fsr-3181	191	24	that	that	SCONJ
fsr-3181	191	25	the	the	DET
fsr-3181	191	26	analysis	analysis	NOUN
fsr-3181	191	27	and	and	CCONJ
fsr-3181	191	28	the	the	DET
fsr-3181	191	29	results	result	NOUN
fsr-3181	191	30	of	of	ADP
fsr-3181	191	31	this	this	DET
fsr-3181	191	32	paper	paper	NOUN
fsr-3181	191	33	are	be	AUX
fsr-3181	191	34	robust	robust	ADJ
fsr-3181	191	35	.	.	PUNCT
fsr-3181	192	1	the	the	DET
fsr-3181	192	2	results	result	NOUN
fsr-3181	192	3	of	of	ADP
fsr-3181	192	4	these	these	DET
fsr-3181	192	5	two	two	NUM
fsr-3181	192	6	robustness	robustness	NOUN
fsr-3181	192	7	analyses	analysis	NOUN
fsr-3181	192	8	are	be	AUX
fsr-3181	192	9	presented	present	VERB
fsr-3181	192	10	in	in	ADP
fsr-3181	192	11	appendix	appendix	PROPN
fsr-3181	192	12	b.	b.	PROPN
fsr-3181	192	13	wang	wang	PROPN
fsr-3181	192	14	et	et	PROPN
fsr-3181	192	15	al	al	PROPN
fsr-3181	192	16	.	.	PROPN
fsr-3181	192	17	9	9	NUM
fsr-3181	192	18	table	table	NOUN
fsr-3181	192	19	1	1	NUM
fsr-3181	192	20	.	.	PUNCT
fsr-3181	192	21	variable	variable	ADJ
fsr-3181	192	22	definitions	definition	NOUN
fsr-3181	192	23	and	and	CCONJ
fsr-3181	192	24	summary	summary	NOUN
fsr-3181	192	25	statistics	statistic	NOUN
fsr-3181	192	26	for	for	ADP
fsr-3181	192	27	life	life	NOUN
fsr-3181	192	28	insurance	insurance	NOUN
fsr-3181	192	29	ownership	ownership	NOUN
fsr-3181	192	30	decisions	decision	NOUN
fsr-3181	192	31	(	(	PUNCT
fsr-3181	192	32	full	full	ADJ
fsr-3181	192	33	sample	sample	NOUN
fsr-3181	192	34	)	)	PUNCT
fsr-3181	193	1	variables	variable	VERB
fsr-3181	193	2	definitions	definition	NOUN
fsr-3181	193	3	mean	mean	VERB
fsr-3181	193	4	std	std	X
fsr-3181	193	5	.	.	PROPN
fsr-3181	194	1	dev	dev	PROPN
fsr-3181	194	2	.	.	PUNCT
fsr-3181	195	1	life	life	NOUN
fsr-3181	195	2	insurance	insurance	NOUN
fsr-3181	195	3	ownership	ownership	NOUN
fsr-3181	195	4	decisions	decision	NOUN
fsr-3181	195	5	newincrterm	newincrterm	VERB
fsr-3181	195	6	equal	equal	ADJ
fsr-3181	195	7	to	to	ADP
fsr-3181	195	8	1	1	NUM
fsr-3181	195	9	for	for	ADP
fsr-3181	195	10	households	household	NOUN
fsr-3181	195	11	that	that	PRON
fsr-3181	195	12	initiated	initiate	VERB
fsr-3181	195	13	a	a	DET
fsr-3181	195	14	term	term	NOUN
fsr-3181	195	15	life	life	NOUN
fsr-3181	195	16	insurance	insurance	NOUN
fsr-3181	195	17	policy	policy	NOUN
fsr-3181	195	18	or	or	CCONJ
fsr-3181	195	19	increased	increase	VERB
fsr-3181	195	20	term	term	NOUN
fsr-3181	195	21	life	life	NOUN
fsr-3181	195	22	insurance	insurance	NOUN
fsr-3181	195	23	coverage	coverage	NOUN
fsr-3181	195	24	since	since	SCONJ
fsr-3181	195	25	2007	2007	NUM
fsr-3181	195	26	,	,	PUNCT
fsr-3181	195	27	and	and	CCONJ
fsr-3181	195	28	0	0	NUM
fsr-3181	195	29	otherwise	otherwise	ADV
fsr-3181	195	30	0.28	0.28	NUM
fsr-3181	195	31	0.45	0.45	NUM
fsr-3181	195	32	newincrwhole	newincrwhole	NOUN
fsr-3181	195	33	equal	equal	ADJ
fsr-3181	195	34	to	to	ADP
fsr-3181	195	35	1	1	NUM
fsr-3181	195	36	for	for	ADP
fsr-3181	195	37	households	household	NOUN
fsr-3181	195	38	that	that	PRON
fsr-3181	195	39	initiated	initiate	VERB
fsr-3181	195	40	a	a	DET
fsr-3181	195	41	whole	whole	ADJ
fsr-3181	195	42	life	life	NOUN
fsr-3181	195	43	insurance	insurance	NOUN
fsr-3181	195	44	policy	policy	NOUN
fsr-3181	195	45	or	or	CCONJ
fsr-3181	195	46	increased	increase	VERB
fsr-3181	195	47	whole	whole	ADJ
fsr-3181	195	48	life	life	NOUN
fsr-3181	195	49	insurance	insurance	NOUN
fsr-3181	195	50	coverage	coverage	NOUN
fsr-3181	195	51	since	since	SCONJ
fsr-3181	195	52	2007	2007	NUM
fsr-3181	195	53	,	,	PUNCT
fsr-3181	195	54	and	and	CCONJ
fsr-3181	195	55	0	0	NUM
fsr-3181	195	56	otherwise	otherwise	ADV
fsr-3181	195	57	0.18	0.18	NUM
fsr-3181	195	58	0.39	0.39	NUM
fsr-3181	195	59	dropdecrterm	dropdecrterm	NOUN
fsr-3181	195	60	equal	equal	ADJ
fsr-3181	195	61	to	to	ADP
fsr-3181	195	62	1	1	NUM
fsr-3181	195	63	for	for	ADP
fsr-3181	195	64	households	household	NOUN
fsr-3181	195	65	that	that	PRON
fsr-3181	195	66	dropped	drop	VERB
fsr-3181	195	67	a	a	DET
fsr-3181	195	68	term	term	NOUN
fsr-3181	195	69	life	life	NOUN
fsr-3181	195	70	insurance	insurance	NOUN
fsr-3181	195	71	policy	policy	NOUN
fsr-3181	195	72	or	or	CCONJ
fsr-3181	195	73	decreased	decrease	VERB
fsr-3181	195	74	term	term	NOUN
fsr-3181	195	75	life	life	NOUN
fsr-3181	195	76	insurance	insurance	NOUN
fsr-3181	195	77	coverage	coverage	NOUN
fsr-3181	195	78	since	since	SCONJ
fsr-3181	195	79	2007	2007	NUM
fsr-3181	195	80	,	,	PUNCT
fsr-3181	195	81	and	and	CCONJ
fsr-3181	195	82	0	0	NUM
fsr-3181	195	83	otherwise	otherwise	ADV
fsr-3181	195	84	0.29	0.29	NUM
fsr-3181	195	85	0.45	0.45	NUM
fsr-3181	195	86	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	195	87	equal	equal	ADJ
fsr-3181	195	88	to	to	ADP
fsr-3181	195	89	1	1	NUM
fsr-3181	195	90	for	for	ADP
fsr-3181	195	91	households	household	NOUN
fsr-3181	195	92	that	that	PRON
fsr-3181	195	93	dropped	drop	VERB
fsr-3181	195	94	a	a	DET
fsr-3181	195	95	whole	whole	ADJ
fsr-3181	195	96	life	life	NOUN
fsr-3181	195	97	insurance	insurance	NOUN
fsr-3181	195	98	policy	policy	NOUN
fsr-3181	195	99	or	or	CCONJ
fsr-3181	195	100	decreased	decrease	VERB
fsr-3181	195	101	whole	whole	ADJ
fsr-3181	195	102	life	life	NOUN
fsr-3181	195	103	insurance	insurance	NOUN
fsr-3181	195	104	coverage	coverage	NOUN
fsr-3181	195	105	since	since	SCONJ
fsr-3181	195	106	2007	2007	NUM
fsr-3181	195	107	,	,	PUNCT
fsr-3181	195	108	and	and	CCONJ
fsr-3181	195	109	0	0	NUM
fsr-3181	195	110	otherwise	otherwise	ADV
fsr-3181	195	111	0.19	0.19	NUM
fsr-3181	195	112	0.39	0.39	NUM
fsr-3181	195	113	portfolio	portfolio	NOUN
fsr-3181	195	114	allocation	allocation	NOUN
fsr-3181	195	115	decisions	decision	NOUN
fsr-3181	195	116	invmorecash	invmorecash	VERB
fsr-3181	195	117	equal	equal	ADJ
fsr-3181	195	118	to	to	ADP
fsr-3181	195	119	1	1	NUM
fsr-3181	195	120	for	for	ADP
fsr-3181	195	121	households	household	NOUN
fsr-3181	195	122	that	that	PRON
fsr-3181	195	123	have	have	AUX
fsr-3181	195	124	made	make	VERB
fsr-3181	195	125	decisions	decision	NOUN
fsr-3181	195	126	to	to	PART
fsr-3181	195	127	invest	invest	VERB
fsr-3181	195	128	more	more	ADV
fsr-3181	195	129	in	in	ADP
fsr-3181	195	130	cds	cd	NOUN
fsr-3181	195	131	,	,	PUNCT
fsr-3181	195	132	other	other	ADJ
fsr-3181	195	133	deposits	deposit	NOUN
fsr-3181	195	134	,	,	PUNCT
fsr-3181	195	135	"	"	PUNCT
fsr-3181	195	136	cash	cash	NOUN
fsr-3181	195	137	"	"	PUNCT
fsr-3181	195	138	since	since	SCONJ
fsr-3181	195	139	2007	2007	NUM
fsr-3181	195	140	,	,	PUNCT
fsr-3181	195	141	and	and	CCONJ
fsr-3181	195	142	0	0	NUM
fsr-3181	195	143	otherwise	otherwise	ADV
fsr-3181	195	144	0.02	0.02	NUM
fsr-3181	195	145	0.13	0.13	NUM
fsr-3181	195	146	invmorebonds	invmorebond	NOUN
fsr-3181	195	147	equal	equal	ADJ
fsr-3181	195	148	to	to	ADP
fsr-3181	195	149	1	1	NUM
fsr-3181	195	150	for	for	ADP
fsr-3181	195	151	households	household	NOUN
fsr-3181	195	152	that	that	PRON
fsr-3181	195	153	have	have	AUX
fsr-3181	195	154	made	make	VERB
fsr-3181	195	155	decisions	decision	NOUN
fsr-3181	195	156	to	to	PART
fsr-3181	195	157	invest	invest	VERB
fsr-3181	195	158	more	more	ADV
fsr-3181	195	159	in	in	ADP
fsr-3181	195	160	tax	tax	NOUN
fsr-3181	195	161	-	-	PUNCT
fsr-3181	195	162	exempt	exempt	ADJ
fsr-3181	195	163	bonds	bond	NOUN
fsr-3181	195	164	,	,	PUNCT
fsr-3181	195	165	treasury	treasury	PROPN
fsr-3181	195	166	bills	bill	NOUN
fsr-3181	195	167	/	/	SYM
fsr-3181	195	168	bonds	bond	NOUN
fsr-3181	195	169	,	,	PUNCT
fsr-3181	195	170	other	other	ADJ
fsr-3181	195	171	bonds	bond	NOUN
fsr-3181	195	172	since	since	SCONJ
fsr-3181	195	173	2007	2007	NUM
fsr-3181	195	174	,	,	PUNCT
fsr-3181	195	175	and	and	CCONJ
fsr-3181	195	176	0	0	NUM
fsr-3181	195	177	otherwise	otherwise	ADV
fsr-3181	195	178	0.01	0.01	NUM
fsr-3181	195	179	0.11	0.11	NUM
fsr-3181	195	180	invlessstock	invlessstock	NOUN
fsr-3181	195	181	equal	equal	ADJ
fsr-3181	195	182	to	to	ADP
fsr-3181	195	183	1	1	NUM
fsr-3181	195	184	for	for	ADP
fsr-3181	195	185	households	household	NOUN
fsr-3181	195	186	that	that	PRON
fsr-3181	195	187	have	have	AUX
fsr-3181	195	188	made	make	VERB
fsr-3181	195	189	decisions	decision	NOUN
fsr-3181	195	190	to	to	PART
fsr-3181	195	191	invest	invest	VERB
fsr-3181	195	192	less	less	ADJ
fsr-3181	195	193	in	in	ADP
fsr-3181	195	194	stocks	stock	NOUN
fsr-3181	195	195	since	since	SCONJ
fsr-3181	195	196	2007	2007	NUM
fsr-3181	195	197	,	,	PUNCT
fsr-3181	195	198	and	and	CCONJ
fsr-3181	195	199	0	0	NUM
fsr-3181	195	200	otherwise	otherwise	ADV
fsr-3181	195	201	0.04	0.04	NUM
fsr-3181	195	202	0.19	0.19	NUM
fsr-3181	195	203	invmorera	invmorera	NOUN
fsr-3181	195	204	equal	equal	ADJ
fsr-3181	195	205	to	to	ADP
fsr-3181	195	206	1	1	NUM
fsr-3181	195	207	for	for	ADP
fsr-3181	195	208	households	household	NOUN
fsr-3181	195	209	that	that	PRON
fsr-3181	195	210	have	have	AUX
fsr-3181	195	211	made	make	VERB
fsr-3181	195	212	decisions	decision	NOUN
fsr-3181	195	213	to	to	PART
fsr-3181	195	214	invest	invest	VERB
fsr-3181	195	215	more	more	ADV
fsr-3181	195	216	in	in	ADP
fsr-3181	195	217	retirement	retirement	NOUN
fsr-3181	195	218	assets	asset	NOUN
fsr-3181	195	219	(	(	PUNCT
fsr-3181	195	220	ira	ira	PROPN
fsr-3181	195	221	,	,	PUNCT
fsr-3181	195	222	keogh	keogh	PROPN
fsr-3181	195	223	,	,	PUNCT
fsr-3181	195	224	401(k	401(k	PROPN
fsr-3181	195	225	)	)	PUNCT
fsr-3181	195	226	,	,	PUNCT
fsr-3181	195	227	roth	roth	PROPN
fsr-3181	195	228	,	,	PUNCT
fsr-3181	195	229	etc	etc	X
fsr-3181	195	230	.	.	X
fsr-3181	195	231	)	)	PUNCT
fsr-3181	195	232	since	since	SCONJ
fsr-3181	195	233	2007	2007	NUM
fsr-3181	195	234	,	,	PUNCT
fsr-3181	195	235	and	and	CCONJ
fsr-3181	195	236	0	0	NUM
fsr-3181	195	237	otherwise	otherwise	ADV
fsr-3181	195	238	0.01	0.01	NUM
fsr-3181	195	239	0.11	0.11	NUM
fsr-3181	195	240	invlessra	invlessra	ADJ
fsr-3181	195	241	equal	equal	ADJ
fsr-3181	195	242	to	to	ADP
fsr-3181	195	243	1	1	NUM
fsr-3181	195	244	for	for	ADP
fsr-3181	195	245	households	household	NOUN
fsr-3181	195	246	that	that	PRON
fsr-3181	195	247	have	have	AUX
fsr-3181	195	248	made	make	VERB
fsr-3181	195	249	decisions	decision	NOUN
fsr-3181	195	250	to	to	PART
fsr-3181	195	251	invest	invest	VERB
fsr-3181	195	252	less	less	ADJ
fsr-3181	195	253	in	in	ADP
fsr-3181	195	254	retirement	retirement	NOUN
fsr-3181	195	255	assets	asset	NOUN
fsr-3181	195	256	(	(	PUNCT
fsr-3181	195	257	ira	ira	PROPN
fsr-3181	195	258	,	,	PUNCT
fsr-3181	195	259	keogh	keogh	PROPN
fsr-3181	195	260	,	,	PUNCT
fsr-3181	195	261	401(k	401(k	PROPN
fsr-3181	195	262	)	)	PUNCT
fsr-3181	195	263	,	,	PUNCT
fsr-3181	195	264	roth	roth	PROPN
fsr-3181	195	265	,	,	PUNCT
fsr-3181	195	266	etc	etc	X
fsr-3181	195	267	.	.	X
fsr-3181	195	268	)	)	PUNCT
fsr-3181	195	269	since	since	SCONJ
fsr-3181	195	270	2007	2007	NUM
fsr-3181	195	271	,	,	PUNCT
fsr-3181	195	272	and	and	CCONJ
fsr-3181	195	273	0	0	NUM
fsr-3181	195	274	otherwise	otherwise	ADV
fsr-3181	195	275	0.01	0.01	NUM
fsr-3181	195	276	0.11	0.11	NUM
fsr-3181	195	277	paydebt	paydebt	NOUN
fsr-3181	195	278	equal	equal	ADJ
fsr-3181	195	279	to	to	ADP
fsr-3181	195	280	1	1	NUM
fsr-3181	195	281	for	for	ADP
fsr-3181	195	282	households	household	NOUN
fsr-3181	195	283	that	that	PRON
fsr-3181	195	284	have	have	AUX
fsr-3181	195	285	made	make	VERB
fsr-3181	195	286	decisions	decision	NOUN
fsr-3181	195	287	to	to	PART
fsr-3181	195	288	pay	pay	VERB
fsr-3181	195	289	off	off	ADP
fsr-3181	195	290	debt	debt	NOUN
fsr-3181	195	291	since	since	SCONJ
fsr-3181	195	292	2007	2007	NUM
fsr-3181	195	293	,	,	PUNCT
fsr-3181	195	294	and	and	CCONJ
fsr-3181	195	295	0	0	NUM
fsr-3181	195	296	otherwise	otherwise	ADV
fsr-3181	195	297	0.02	0.02	NUM
fsr-3181	195	298	0.14	0.14	NUM
fsr-3181	195	299	other	other	ADJ
fsr-3181	195	300	financial	financial	ADJ
fsr-3181	195	301	decisions	decision	NOUN
fsr-3181	195	302	variables	variable	NOUN
fsr-3181	195	303	spendless	spendless	NOUN
fsr-3181	195	304	equal	equal	ADJ
fsr-3181	195	305	to	to	ADP
fsr-3181	195	306	1	1	NUM
fsr-3181	195	307	if	if	SCONJ
fsr-3181	195	308	households	household	NOUN
fsr-3181	195	309	that	that	PRON
fsr-3181	195	310	have	have	AUX
fsr-3181	195	311	made	make	VERB
fsr-3181	195	312	decisions	decision	NOUN
fsr-3181	195	313	to	to	PART
fsr-3181	195	314	spend	spend	VERB
fsr-3181	195	315	less	less	ADJ
fsr-3181	195	316	,	,	PUNCT
fsr-3181	195	317	cut	cut	VERB
fsr-3181	195	318	back	back	ADV
fsr-3181	195	319	since	since	SCONJ
fsr-3181	195	320	2007	2007	NUM
fsr-3181	195	321	,	,	PUNCT
fsr-3181	195	322	and	and	CCONJ
fsr-3181	195	323	0	0	NUM
fsr-3181	195	324	otherwise	otherwise	ADV
fsr-3181	195	325	0.16	0.16	NUM
fsr-3181	195	326	0.37	0.37	NUM
fsr-3181	195	327	moreriskaver	moreriskaver	NOUN
fsr-3181	195	328	equal	equal	ADJ
fsr-3181	195	329	to	to	ADP
fsr-3181	195	330	1	1	NUM
fsr-3181	195	331	if	if	SCONJ
fsr-3181	195	332	households	household	NOUN
fsr-3181	195	333	that	that	PRON
fsr-3181	195	334	have	have	AUX
fsr-3181	195	335	made	make	VERB
fsr-3181	195	336	decisions	decision	NOUN
fsr-3181	195	337	to	to	PART
fsr-3181	195	338	have	have	VERB
fsr-3181	195	339	more	more	ADV
fsr-3181	195	340	conservative	conservative	ADJ
fsr-3181	195	341	or	or	CCONJ
fsr-3181	195	342	disciplined	disciplined	ADJ
fsr-3181	195	343	investments	investment	NOUN
fsr-3181	195	344	,	,	PUNCT
fsr-3181	195	345	be	be	AUX
fsr-3181	195	346	less	less	ADJ
fsr-3181	195	347	risk	risk	NOUN
fsr-3181	195	348	/	/	SYM
fsr-3181	195	349	aggressive	aggressive	ADJ
fsr-3181	195	350	since	since	SCONJ
fsr-3181	195	351	2007	2007	NUM
fsr-3181	195	352	,	,	PUNCT
fsr-3181	195	353	and	and	CCONJ
fsr-3181	195	354	0	0	NUM
fsr-3181	195	355	otherwise	otherwise	ADV
fsr-3181	195	356	0.09	0.09	NUM
fsr-3181	195	357	0.29	0.29	NUM
fsr-3181	195	358	invlesslong	invlesslong	NOUN
fsr-3181	195	359	equal	equal	ADJ
fsr-3181	195	360	to	to	ADP
fsr-3181	195	361	1	1	NUM
fsr-3181	195	362	if	if	SCONJ
fsr-3181	195	363	households	household	NOUN
fsr-3181	195	364	that	that	PRON
fsr-3181	195	365	have	have	AUX
fsr-3181	195	366	made	make	VERB
fsr-3181	195	367	decisions	decision	NOUN
fsr-3181	195	368	to	to	PART
fsr-3181	195	369	invest	invest	VERB
fsr-3181	195	370	less	less	ADJ
fsr-3181	195	371	for	for	ADP
fsr-3181	195	372	the	the	DET
fsr-3181	195	373	long	long	ADJ
fsr-3181	195	374	term	term	NOUN
fsr-3181	195	375	since	since	SCONJ
fsr-3181	195	376	2007	2007	NUM
fsr-3181	195	377	,	,	PUNCT
fsr-3181	195	378	and	and	CCONJ
fsr-3181	195	379	0	0	NUM
fsr-3181	195	380	otherwise	otherwise	ADV
fsr-3181	195	381	0.01	0.01	NUM
fsr-3181	195	382	0.12	0.12	NUM
fsr-3181	195	383	financial	financial	ADJ
fsr-3181	195	384	services	service	NOUN
fsr-3181	195	385	review	review	NOUN
fsr-3181	195	386	,	,	PUNCT
fsr-3181	195	387	32(1	32(1	NUM
fsr-3181	195	388	)	)	PUNCT
fsr-3181	195	389	10	10	NUM
fsr-3181	195	390	table	table	NOUN
fsr-3181	195	391	1	1	NUM
fsr-3181	195	392	(	(	PUNCT
fsr-3181	195	393	continued	continue	VERB
fsr-3181	195	394	)	)	PUNCT
fsr-3181	195	395	.	.	PUNCT
fsr-3181	196	1	variable	variable	ADJ
fsr-3181	196	2	definitions	definition	NOUN
fsr-3181	196	3	and	and	CCONJ
fsr-3181	196	4	summary	summary	NOUN
fsr-3181	196	5	statistics	statistic	NOUN
fsr-3181	196	6	for	for	ADP
fsr-3181	196	7	life	life	NOUN
fsr-3181	196	8	insurance	insurance	NOUN
fsr-3181	196	9	ownership	ownership	NOUN
fsr-3181	196	10	decisions	decision	NOUN
fsr-3181	196	11	(	(	PUNCT
fsr-3181	196	12	full	full	ADJ
fsr-3181	196	13	sample	sample	NOUN
fsr-3181	196	14	)	)	PUNCT
fsr-3181	196	15	control	control	NOUN
fsr-3181	196	16	variables	variable	NOUN
fsr-3181	196	17	work	work	VERB
fsr-3181	196	18	equal	equal	ADJ
fsr-3181	196	19	to	to	ADP
fsr-3181	196	20	1	1	NUM
fsr-3181	196	21	if	if	SCONJ
fsr-3181	196	22	either	either	DET
fsr-3181	196	23	spouse	spouse	NOUN
fsr-3181	196	24	was	be	AUX
fsr-3181	196	25	employed	employ	VERB
fsr-3181	196	26	in	in	ADP
fsr-3181	196	27	2007	2007	NUM
fsr-3181	196	28	,	,	PUNCT
fsr-3181	196	29	and	and	CCONJ
fsr-3181	196	30	0	0	NUM
fsr-3181	196	31	otherwise	otherwise	ADV
fsr-3181	196	32	0.76	0.76	NUM
fsr-3181	196	33	0.43	0.43	NUM
fsr-3181	196	34	lnincome	lnincome	NOUN
fsr-3181	196	35	the	the	DET
fsr-3181	196	36	natural	natural	ADJ
fsr-3181	196	37	log	log	NOUN
fsr-3181	196	38	of	of	ADP
fsr-3181	196	39	household	household	NOUN
fsr-3181	196	40	income	income	NOUN
fsr-3181	196	41	in	in	ADP
fsr-3181	196	42	2007	2007	NUM
fsr-3181	196	43	11.57	11.57	NUM
fsr-3181	196	44	2.01	2.01	NUM
fsr-3181	196	45	lnnetworth	lnnetworth	NOUN
fsr-3181	196	46	the	the	DET
fsr-3181	196	47	natural	natural	ADJ
fsr-3181	196	48	log	log	NOUN
fsr-3181	196	49	of	of	ADP
fsr-3181	196	50	household	household	NOUN
fsr-3181	196	51	net	net	NOUN
fsr-3181	196	52	worth	worth	NOUN
fsr-3181	196	53	in	in	ADP
fsr-3181	196	54	2007	2007	NUM
fsr-3181	196	55	12.12	12.12	NUM
fsr-3181	196	56	4.36	4.36	NUM
fsr-3181	196	57	married	married	ADJ
fsr-3181	196	58	equal	equal	ADJ
fsr-3181	196	59	to	to	ADP
fsr-3181	196	60	1	1	NUM
fsr-3181	196	61	for	for	ADP
fsr-3181	196	62	married	married	ADJ
fsr-3181	196	63	households	household	NOUN
fsr-3181	196	64	in	in	ADP
fsr-3181	196	65	2007	2007	NUM
fsr-3181	196	66	,	,	PUNCT
fsr-3181	196	67	and	and	CCONJ
fsr-3181	196	68	0	0	NUM
fsr-3181	196	69	otherwise	otherwise	ADV
fsr-3181	196	70	0.69	0.69	NUM
fsr-3181	196	71	0.46	0.46	NUM
fsr-3181	196	72	risk	risk	NOUN
fsr-3181	196	73	equal	equal	ADJ
fsr-3181	196	74	to	to	ADP
fsr-3181	196	75	1	1	NUM
fsr-3181	196	76	if	if	SCONJ
fsr-3181	196	77	households	household	NOUN
fsr-3181	196	78	preferred	prefer	VERB
fsr-3181	196	79	no	no	DET
fsr-3181	196	80	financial	financial	ADJ
fsr-3181	196	81	risk	risk	NOUN
fsr-3181	196	82	in	in	ADP
fsr-3181	196	83	2007	2007	NUM
fsr-3181	196	84	,	,	PUNCT
fsr-3181	196	85	and	and	CCONJ
fsr-3181	196	86	0	0	NUM
fsr-3181	196	87	otherwise	otherwise	ADV
fsr-3181	196	88	0.30	0.30	NUM
fsr-3181	196	89	0.46	0.46	NUM
fsr-3181	196	90	stockshare	stockshare	VERB
fsr-3181	196	91	the	the	DET
fsr-3181	196	92	ratio	ratio	NOUN
fsr-3181	196	93	of	of	ADP
fsr-3181	196	94	stock	stock	NOUN
fsr-3181	196	95	value	value	NOUN
fsr-3181	196	96	to	to	ADP
fsr-3181	196	97	household	household	NOUN
fsr-3181	196	98	wealth	wealth	NOUN
fsr-3181	196	99	in	in	ADP
fsr-3181	196	100	2007	2007	NUM
fsr-3181	196	101	5.06	5.06	NUM
fsr-3181	196	102	39.02	39.02	NUM
fsr-3181	196	103	age3549	age3549	NOUN
fsr-3181	196	104	equal	equal	ADJ
fsr-3181	196	105	to	to	ADP
fsr-3181	196	106	1	1	NUM
fsr-3181	196	107	if	if	SCONJ
fsr-3181	196	108	the	the	DET
fsr-3181	196	109	age	age	NOUN
fsr-3181	196	110	of	of	ADP
fsr-3181	196	111	household	household	NOUN
fsr-3181	196	112	respondent	respondent	NOUN
fsr-3181	196	113	was	be	AUX
fsr-3181	196	114	between	between	ADP
fsr-3181	196	115	35	35	NUM
fsr-3181	196	116	and	and	CCONJ
fsr-3181	196	117	49	49	NUM
fsr-3181	196	118	,	,	PUNCT
fsr-3181	196	119	and	and	CCONJ
fsr-3181	196	120	0	0	NUM
fsr-3181	196	121	otherwise	otherwise	ADV
fsr-3181	196	122	0.30	0.30	NUM
fsr-3181	196	123	0.46	0.46	NUM
fsr-3181	196	124	age5064	age5064	NOUN
fsr-3181	196	125	equal	equal	ADJ
fsr-3181	196	126	to	to	ADP
fsr-3181	196	127	1	1	NUM
fsr-3181	196	128	if	if	SCONJ
fsr-3181	196	129	the	the	DET
fsr-3181	196	130	age	age	NOUN
fsr-3181	196	131	of	of	ADP
fsr-3181	196	132	household	household	NOUN
fsr-3181	196	133	respondent	respondent	NOUN
fsr-3181	196	134	was	be	AUX
fsr-3181	196	135	between	between	ADP
fsr-3181	196	136	50	50	NUM
fsr-3181	196	137	and	and	CCONJ
fsr-3181	196	138	64	64	NUM
fsr-3181	196	139	,	,	PUNCT
fsr-3181	196	140	and	and	CCONJ
fsr-3181	196	141	0	0	NUM
fsr-3181	196	142	otherwise	otherwise	ADV
fsr-3181	196	143	0.34	0.34	NUM
fsr-3181	196	144	0.47	0.47	NUM
fsr-3181	196	145	age65	age65	NOUN
fsr-3181	196	146	_	_	NOUN
fsr-3181	196	147	equal	equal	ADJ
fsr-3181	196	148	to	to	ADP
fsr-3181	196	149	1	1	NUM
fsr-3181	196	150	if	if	SCONJ
fsr-3181	196	151	the	the	DET
fsr-3181	196	152	age	age	NOUN
fsr-3181	196	153	of	of	ADP
fsr-3181	196	154	household	household	NOUN
fsr-3181	196	155	respondent	respondent	NOUN
fsr-3181	196	156	was	be	AUX
fsr-3181	196	157	65	65	NUM
fsr-3181	196	158	or	or	CCONJ
fsr-3181	196	159	older	old	ADJ
fsr-3181	196	160	,	,	PUNCT
fsr-3181	196	161	and	and	CCONJ
fsr-3181	196	162	0	0	NUM
fsr-3181	196	163	otherwise	otherwise	ADV
fsr-3181	196	164	0.21	0.21	NUM
fsr-3181	196	165	0.41	0.41	NUM
fsr-3181	196	166	kid	kid	NOUN
fsr-3181	196	167	the	the	DET
fsr-3181	196	168	number	number	NOUN
fsr-3181	196	169	of	of	ADP
fsr-3181	196	170	children	child	NOUN
fsr-3181	196	171	in	in	ADP
fsr-3181	196	172	the	the	DET
fsr-3181	196	173	household	household	NOUN
fsr-3181	196	174	in	in	ADP
fsr-3181	196	175	2007	2007	NUM
fsr-3181	196	176	0.88	0.88	NUM
fsr-3181	196	177	1.20	1.20	NUM
fsr-3181	196	178	white	white	ADJ
fsr-3181	196	179	equal	equal	ADJ
fsr-3181	196	180	to	to	ADP
fsr-3181	196	181	1	1	NUM
fsr-3181	196	182	for	for	ADP
fsr-3181	196	183	white	white	ADJ
fsr-3181	196	184	households	household	NOUN
fsr-3181	196	185	,	,	PUNCT
fsr-3181	196	186	and	and	CCONJ
fsr-3181	196	187	0	0	NUM
fsr-3181	196	188	otherwise	otherwise	ADV
fsr-3181	196	189	0.77	0.77	NUM
fsr-3181	196	190	0.42	0.42	NUM
fsr-3181	196	191	college	college	NOUN
fsr-3181	196	192	equal	equal	ADJ
fsr-3181	196	193	to	to	ADP
fsr-3181	196	194	1	1	NUM
fsr-3181	196	195	if	if	SCONJ
fsr-3181	196	196	either	either	DET
fsr-3181	196	197	spouse	spouse	NOUN
fsr-3181	196	198	had	have	VERB
fsr-3181	196	199	college	college	NOUN
fsr-3181	196	200	education	education	NOUN
fsr-3181	196	201	in	in	ADP
fsr-3181	196	202	2007	2007	NUM
fsr-3181	196	203	,	,	PUNCT
fsr-3181	196	204	and	and	CCONJ
fsr-3181	196	205	0	0	NUM
fsr-3181	196	206	otherwise	otherwise	ADV
fsr-3181	196	207	0.57	0.57	NUM
fsr-3181	196	208	0.50	0.50	NUM
fsr-3181	196	209	homeowner	homeowner	NOUN
fsr-3181	196	210	equal	equal	ADJ
fsr-3181	196	211	to	to	ADP
fsr-3181	196	212	1	1	NUM
fsr-3181	196	213	if	if	SCONJ
fsr-3181	196	214	households	household	NOUN
fsr-3181	196	215	owned	own	VERB
fsr-3181	196	216	their	their	PRON
fsr-3181	196	217	primary	primary	ADJ
fsr-3181	196	218	residence	residence	NOUN
fsr-3181	196	219	in	in	ADP
fsr-3181	196	220	2007	2007	NUM
fsr-3181	196	221	,	,	PUNCT
fsr-3181	196	222	and	and	CCONJ
fsr-3181	196	223	0	0	NUM
fsr-3181	197	1	otherwise	otherwise	ADV
fsr-3181	197	2	0.76	0.76	NUM
fsr-3181	197	3	0.43	0.43	NUM
fsr-3181	197	4	observations	observation	NOUN
fsr-3181	197	5	3857	3857	NUM
fsr-3181	197	6	regression	regression	NOUN
fsr-3181	197	7	models	model	NOUN
fsr-3181	197	8	(	(	PUNCT
fsr-3181	197	9	1	1	NUM
fsr-3181	197	10	)	)	PUNCT
fsr-3181	197	11	(	(	PUNCT
fsr-3181	197	12	4	4	X
fsr-3181	197	13	)	)	PUNCT
fsr-3181	197	14	note	note	NOUN
fsr-3181	197	15	:	:	PUNCT
fsr-3181	197	16	all	all	DET
fsr-3181	197	17	data	datum	NOUN
fsr-3181	197	18	variables	variable	NOUN
fsr-3181	197	19	are	be	AUX
fsr-3181	197	20	taken	take	VERB
fsr-3181	197	21	or	or	CCONJ
fsr-3181	197	22	calculated	calculate	VERB
fsr-3181	197	23	from	from	ADP
fsr-3181	197	24	the	the	DET
fsr-3181	197	25	2007	2007	NUM
fsr-3181	197	26	-	-	SYM
fsr-3181	197	27	2009	2009	NUM
fsr-3181	197	28	scf	scf	PROPN
fsr-3181	197	29	panel	panel	NOUN
fsr-3181	197	30	survey	survey	NOUN
fsr-3181	197	31	.	.	PUNCT
fsr-3181	198	1	see	see	VERB
fsr-3181	198	2	appendix	appendix	VERB
fsr-3181	198	3	a	a	PRON
fsr-3181	198	4	for	for	ADP
fsr-3181	198	5	more	more	ADJ
fsr-3181	198	6	details	detail	NOUN
fsr-3181	198	7	.	.	PUNCT
fsr-3181	199	1	wang	wang	PROPN
fsr-3181	199	2	et	et	PROPN
fsr-3181	199	3	al	al	PROPN
fsr-3181	199	4	.	.	PROPN
fsr-3181	199	5	11	11	NUM
fsr-3181	199	6	table	table	NOUN
fsr-3181	199	7	2	2	NUM
fsr-3181	199	8	.	.	PUNCT
fsr-3181	199	9	summary	summary	NOUN
fsr-3181	199	10	statistics	statistic	NOUN
fsr-3181	199	11	for	for	ADP
fsr-3181	199	12	the	the	DET
fsr-3181	199	13	life	life	NOUN
fsr-3181	199	14	insurance	insurance	NOUN
fsr-3181	199	15	coverage	coverage	NOUN
fsr-3181	199	16	decisions	decision	NOUN
fsr-3181	199	17	(	(	PUNCT
fsr-3181	199	18	subsamples	subsample	NOUN
fsr-3181	199	19	)	)	PUNCT
fsr-3181	199	20	variables	variable	NOUN
fsr-3181	199	21	m	m	VERB
fsr-3181	199	22	sd	sd	ADP
fsr-3181	199	23	m	m	VERB
fsr-3181	199	24	sd	sd	ADP
fsr-3181	199	25	m	m	VERB
fsr-3181	199	26	sd	sd	ADP
fsr-3181	199	27	m	m	PROPN
fsr-3181	199	28	sd	sd	ADP
fsr-3181	199	29	lnnewincrterm	lnnewincrterm	NOUN
fsr-3181	199	30	11.54	11.54	NUM
fsr-3181	199	31	1.80	1.80	NUM
fsr-3181	199	32	4.72	4.72	NUM
fsr-3181	199	33	5.99	5.99	NUM
fsr-3181	199	34	lndropdecrwhol	lndropdecrwhol	NOUN
fsr-3181	199	35	e	e	NOUN
fsr-3181	199	36	3.02	3.02	NUM
fsr-3181	199	37	5.17	5.17	NUM
fsr-3181	199	38	11.15	11.15	NUM
fsr-3181	199	39	2.36	2.36	NUM
fsr-3181	199	40	lnnewincrwhole	lnnewincrwhole	NOUN
fsr-3181	199	41	11.07	11.07	NUM
fsr-3181	199	42	2.37	2.37	NUM
fsr-3181	199	43	2.83	2.83	NUM
fsr-3181	199	44	4.97	4.97	NUM
fsr-3181	199	45	lndropdecrterm	lndropdecrterm	NOUN
fsr-3181	199	46	4.75	4.75	NUM
fsr-3181	199	47	5.92	5.92	NUM
fsr-3181	199	48	11.55	11.55	NUM
fsr-3181	199	49	1.92	1.92	NUM
fsr-3181	199	50	invmorecash	invmorecash	NOUN
fsr-3181	199	51	0.01	0.01	NUM
fsr-3181	199	52	0.10	0.10	NUM
fsr-3181	199	53	0.02	0.02	NUM
fsr-3181	199	54	0.14	0.14	NUM
fsr-3181	199	55	0.02	0.02	NUM
fsr-3181	199	56	0.13	0.13	NUM
fsr-3181	199	57	0.02	0.02	NUM
fsr-3181	199	58	0.16	0.16	NUM
fsr-3181	199	59	invmorebonds	invmorebond	VERB
fsr-3181	199	60	0.01	0.01	NUM
fsr-3181	199	61	0.12	0.12	NUM
fsr-3181	199	62	0.01	0.01	NUM
fsr-3181	199	63	0.11	0.11	NUM
fsr-3181	199	64	0.01	0.01	NUM
fsr-3181	199	65	0.09	0.09	NUM
fsr-3181	199	66	0.02	0.02	NUM
fsr-3181	199	67	0.14	0.14	NUM
fsr-3181	199	68	invlessstock	invlessstock	NOUN
fsr-3181	199	69	0.03	0.03	NUM
fsr-3181	199	70	0.18	0.18	NUM
fsr-3181	199	71	0.05	0.05	NUM
fsr-3181	199	72	0.21	0.21	NUM
fsr-3181	199	73	0.03	0.03	NUM
fsr-3181	199	74	0.18	0.18	NUM
fsr-3181	199	75	0.05	0.05	NUM
fsr-3181	199	76	0.21	0.21	NUM
fsr-3181	199	77	invmorera	invmorera	NOUN
fsr-3181	199	78	0.02	0.02	NUM
fsr-3181	199	79	0.14	0.14	NUM
fsr-3181	199	80	0.01	0.01	NUM
fsr-3181	199	81	0.08	0.08	NUM
fsr-3181	199	82	invlessra	invlessra	ADJ
fsr-3181	199	83	0.02	0.02	NUM
fsr-3181	199	84	0.14	0.14	NUM
fsr-3181	199	85	0.01	0.01	NUM
fsr-3181	199	86	0.08	0.08	NUM
fsr-3181	199	87	paydebt	paydebt	NOUN
fsr-3181	199	88	0.03	0.03	NUM
fsr-3181	199	89	0.16	0.16	NUM
fsr-3181	199	90	0.02	0.02	NUM
fsr-3181	199	91	0.13	0.13	NUM
fsr-3181	199	92	spendless	spendless	NOUN
fsr-3181	199	93	0.17	0.17	NUM
fsr-3181	199	94	0.37	0.37	NUM
fsr-3181	199	95	0.16	0.16	NUM
fsr-3181	199	96	0.37	0.37	NUM
fsr-3181	199	97	moreriskaver	moreriskaver	NOUN
fsr-3181	199	98	0.08	0.08	NUM
fsr-3181	199	99	0.28	0.28	NUM
fsr-3181	199	100	0.10	0.10	NUM
fsr-3181	199	101	0.31	0.31	NUM
fsr-3181	199	102	invlesslong	invlesslong	NOUN
fsr-3181	199	103	0.02	0.02	NUM
fsr-3181	199	104	0.14	0.14	NUM
fsr-3181	199	105	0.01	0.01	NUM
fsr-3181	199	106	0.10	0.10	NUM
fsr-3181	199	107	0.01	0.01	NUM
fsr-3181	199	108	0.09	0.09	NUM
fsr-3181	199	109	0.02	0.02	NUM
fsr-3181	199	110	0.13	0.13	NUM
fsr-3181	199	111	work	work	NOUN
fsr-3181	199	112	0.84	0.84	NUM
fsr-3181	199	113	0.36	0.36	NUM
fsr-3181	199	114	0.77	0.77	NUM
fsr-3181	199	115	0.42	0.42	NUM
fsr-3181	199	116	0.83	0.83	NUM
fsr-3181	199	117	0.37	0.37	NUM
fsr-3181	199	118	0.76	0.76	NUM
fsr-3181	199	119	0.43	0.43	NUM
fsr-3181	199	120	lnincome	lnincome	NOUN
fsr-3181	199	121	11.67	11.67	NUM
fsr-3181	199	122	1.72	1.72	NUM
fsr-3181	199	123	12.00	12.00	NUM
fsr-3181	199	124	2.14	2.14	NUM
fsr-3181	199	125	11.76	11.76	NUM
fsr-3181	199	126	1.93	1.93	NUM
fsr-3181	199	127	12.18	12.18	NUM
fsr-3181	199	128	2.13	2.13	NUM
fsr-3181	199	129	lnnetworth	lnnetworth	NOUN
fsr-3181	199	130	12.26	12.26	NUM
fsr-3181	199	131	3.84	3.84	NUM
fsr-3181	199	132	13.44	13.44	NUM
fsr-3181	199	133	3.56	3.56	NUM
fsr-3181	199	134	12.55	12.55	NUM
fsr-3181	199	135	3.92	3.92	NUM
fsr-3181	199	136	13.76	13.76	NUM
fsr-3181	199	137	3.25	3.25	NUM
fsr-3181	199	138	married	marry	VERB
fsr-3181	199	139	0.75	0.75	NUM
fsr-3181	199	140	0.43	0.43	NUM
fsr-3181	199	141	0.75	0.75	NUM
fsr-3181	199	142	0.44	0.44	NUM
fsr-3181	199	143	0.76	0.76	NUM
fsr-3181	199	144	0.43	0.43	NUM
fsr-3181	199	145	0.80	0.80	NUM
fsr-3181	199	146	0.40	0.40	NUM
fsr-3181	199	147	risk	risk	NOUN
fsr-3181	199	148	0.24	0.24	NUM
fsr-3181	199	149	0.43	0.43	NUM
fsr-3181	199	150	0.25	0.25	NUM
fsr-3181	199	151	0.43	0.43	NUM
fsr-3181	199	152	0.27	0.27	NUM
fsr-3181	199	153	0.44	0.44	NUM
fsr-3181	199	154	0.18	0.18	NUM
fsr-3181	199	155	0.39	0.39	NUM
fsr-3181	199	156	stockshare	stockshare	VERB
fsr-3181	199	157	3.99	3.99	NUM
fsr-3181	199	158	14.09	14.09	NUM
fsr-3181	199	159	4.64	4.64	NUM
fsr-3181	199	160	11.80	11.80	NUM
fsr-3181	199	161	5.94	5.94	NUM
fsr-3181	199	162	69.43	69.43	NUM
fsr-3181	199	163	5.79	5.79	NUM
fsr-3181	199	164	13.72	13.72	NUM
fsr-3181	199	165	age3549	age3549	NOUN
fsr-3181	199	166	0.38	0.38	NUM
fsr-3181	199	167	0.48	0.48	NUM
fsr-3181	199	168	0.27	0.27	NUM
fsr-3181	199	169	0.45	0.45	NUM
fsr-3181	199	170	0.30	0.30	NUM
fsr-3181	199	171	0.46	0.46	NUM
fsr-3181	199	172	0.24	0.24	NUM
fsr-3181	199	173	0.43	0.43	NUM
fsr-3181	199	174	age5064	age5064	NOUN
fsr-3181	199	175	0.33	0.33	NUM
fsr-3181	199	176	0.47	0.47	NUM
fsr-3181	199	177	0.38	0.38	NUM
fsr-3181	199	178	0.48	0.48	NUM
fsr-3181	199	179	0.41	0.41	NUM
fsr-3181	199	180	0.49	0.49	NUM
fsr-3181	199	181	0.42	0.42	NUM
fsr-3181	199	182	0.49	0.49	NUM
fsr-3181	199	183	age65	age65	NOUN
fsr-3181	199	184	_	_	NOUN
fsr-3181	199	185	0.12	0.12	NUM
fsr-3181	199	186	0.33	0.33	NUM
fsr-3181	199	187	0.26	0.26	NUM
fsr-3181	199	188	0.44	0.44	NUM
fsr-3181	199	189	0.16	0.16	NUM
fsr-3181	199	190	0.37	0.37	NUM
fsr-3181	199	191	0.26	0.26	NUM
fsr-3181	199	192	0.44	0.44	NUM
fsr-3181	199	193	kid	kid	NOUN
fsr-3181	199	194	1.01	1.01	NUM
fsr-3181	199	195	1.21	1.21	NUM
fsr-3181	199	196	0.82	0.82	NUM
fsr-3181	199	197	1.15	1.15	NUM
fsr-3181	199	198	0.94	0.94	NUM
fsr-3181	199	199	1.19	1.19	NUM
fsr-3181	199	200	0.88	0.88	NUM
fsr-3181	199	201	1.20	1.20	NUM
fsr-3181	199	202	white	white	NOUN
fsr-3181	199	203	0.79	0.79	NUM
fsr-3181	199	204	0.41	0.41	NUM
fsr-3181	199	205	0.80	0.80	NUM
fsr-3181	199	206	0.40	0.40	NUM
fsr-3181	199	207	0.78	0.78	NUM
fsr-3181	199	208	0.42	0.42	NUM
fsr-3181	199	209	0.84	0.84	NUM
fsr-3181	199	210	0.37	0.37	NUM
fsr-3181	199	211	college	college	NOUN
fsr-3181	199	212	0.62	0.62	NUM
fsr-3181	199	213	0.49	0.49	NUM
fsr-3181	199	214	0.64	0.64	NUM
fsr-3181	199	215	0.48	0.48	NUM
fsr-3181	199	216	0.63	0.63	NUM
fsr-3181	199	217	0.48	0.48	NUM
fsr-3181	199	218	0.68	0.68	NUM
fsr-3181	199	219	0.47	0.47	NUM
fsr-3181	199	220	homeowner	homeowner	NOUN
fsr-3181	199	221	0.79	0.79	NUM
fsr-3181	199	222	0.40	0.40	NUM
fsr-3181	199	223	0.86	0.86	NUM
fsr-3181	199	224	0.35	0.35	NUM
fsr-3181	199	225	0.81	0.81	NUM
fsr-3181	199	226	0.39	0.39	NUM
fsr-3181	199	227	0.89	0.89	NUM
fsr-3181	199	228	0.32	0.32	NUM
fsr-3181	199	229	observations	observation	NOUN
fsr-3181	199	230	1078	1078	NUM
fsr-3181	199	231	700	700	NUM
fsr-3181	199	232	1103	1103	NUM
fsr-3181	199	233	724	724	NUM
fsr-3181	199	234	subsamples	subsample	NOUN
fsr-3181	199	235	newincrterm	newincrterm	ADJ
fsr-3181	199	236	=	=	SYM
fsr-3181	199	237	1	1	NUM
fsr-3181	199	238	newincrwhole	newincrwhole	NOUN
fsr-3181	199	239	=	=	NOUN
fsr-3181	199	240	1	1	NUM
fsr-3181	199	241	dropdecrterm	dropdecrterm	NOUN
fsr-3181	199	242	=	=	SYM
fsr-3181	199	243	1	1	NUM
fsr-3181	199	244	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	199	245	=	=	SYM
fsr-3181	199	246	1	1	NUM
fsr-3181	199	247	regression	regression	NOUN
fsr-3181	199	248	models	model	NOUN
fsr-3181	199	249	(	(	PUNCT
fsr-3181	199	250	5	5	NUM
fsr-3181	199	251	)	)	PUNCT
fsr-3181	199	252	(	(	PUNCT
fsr-3181	199	253	6	6	NUM
fsr-3181	199	254	)	)	PUNCT
fsr-3181	199	255	(	(	PUNCT
fsr-3181	199	256	7	7	NUM
fsr-3181	199	257	)	)	PUNCT
fsr-3181	199	258	(	(	PUNCT
fsr-3181	199	259	8)	8)	NUM
fsr-3181	199	260	note	note	NOUN
fsr-3181	199	261	1	1	NUM
fsr-3181	199	262	:	:	PUNCT
fsr-3181	199	263	as	as	SCONJ
fsr-3181	199	264	described	describe	VERB
fsr-3181	199	265	in	in	ADP
fsr-3181	199	266	section	section	NOUN
fsr-3181	199	267	3	3	NUM
fsr-3181	199	268	,	,	PUNCT
fsr-3181	199	269	lnnewincrterm	lnnewincrterm	NOUN
fsr-3181	199	270	(	(	PUNCT
fsr-3181	199	271	lnnewincrwhole	lnnewincrwhole	NOUN
fsr-3181	199	272	)	)	PUNCT
fsr-3181	199	273	is	be	AUX
fsr-3181	199	274	defined	define	VERB
fsr-3181	199	275	as	as	ADP
fsr-3181	199	276	the	the	DET
fsr-3181	199	277	natural	natural	ADJ
fsr-3181	199	278	log	log	NOUN
fsr-3181	199	279	of	of	ADP
fsr-3181	199	280	the	the	DET
fsr-3181	199	281	amount	amount	NOUN
fsr-3181	199	282	of	of	ADP
fsr-3181	199	283	newly	newly	ADV
fsr-3181	199	284	purchased	purchase	VERB
fsr-3181	199	285	or	or	CCONJ
fsr-3181	199	286	increased	increase	VERB
fsr-3181	199	287	term	term	NOUN
fsr-3181	199	288	(	(	PUNCT
fsr-3181	199	289	whole	whole	ADJ
fsr-3181	199	290	)	)	PUNCT
fsr-3181	199	291	life	life	NOUN
fsr-3181	199	292	insurance	insurance	NOUN
fsr-3181	199	293	coverage	coverage	NOUN
fsr-3181	199	294	,	,	PUNCT
fsr-3181	199	295	specifically	specifically	ADV
fsr-3181	199	296	applicable	applicable	ADJ
fsr-3181	199	297	to	to	ADP
fsr-3181	199	298	the	the	DET
fsr-3181	199	299	households	household	NOUN
fsr-3181	199	300	that	that	PRON
fsr-3181	199	301	have	have	AUX
fsr-3181	199	302	chosen	choose	VERB
fsr-3181	199	303	to	to	PART
fsr-3181	199	304	initiate	initiate	VERB
fsr-3181	199	305	or	or	CCONJ
fsr-3181	199	306	increase	increase	VERB
fsr-3181	199	307	term	term	NOUN
fsr-3181	199	308	(	(	PUNCT
fsr-3181	199	309	whole	whole	ADJ
fsr-3181	199	310	)	)	PUNCT
fsr-3181	199	311	life	life	NOUN
fsr-3181	199	312	insurance	insurance	NOUN
fsr-3181	199	313	since	since	SCONJ
fsr-3181	199	314	2007	2007	NUM
fsr-3181	199	315	,	,	PUNCT
fsr-3181	199	316	where	where	SCONJ
fsr-3181	199	317	newincrtermi	newincrtermi	NOUN
fsr-3181	199	318	=	=	SYM
fsr-3181	199	319	1	1	X
fsr-3181	199	320	(	(	PUNCT
fsr-3181	199	321	newincrwholei	newincrwholei	NOUN
fsr-3181	199	322	=	=	NOUN
fsr-3181	199	323	1	1	NUM
fsr-3181	199	324	)	)	PUNCT
fsr-3181	199	325	.	.	PUNCT
fsr-3181	200	1	lndropdecrterm	lndropdecrterm	NOUN
fsr-3181	200	2	(	(	PUNCT
fsr-3181	200	3	lndropdecrwhole	lndropdecrwhole	NOUN
fsr-3181	200	4	)	)	PUNCT
fsr-3181	200	5	is	be	AUX
fsr-3181	200	6	defined	define	VERB
fsr-3181	200	7	as	as	ADP
fsr-3181	200	8	the	the	DET
fsr-3181	200	9	natural	natural	ADJ
fsr-3181	200	10	log	log	NOUN
fsr-3181	200	11	of	of	ADP
fsr-3181	200	12	the	the	DET
fsr-3181	200	13	amount	amount	NOUN
fsr-3181	200	14	of	of	ADP
fsr-3181	200	15	newly	newly	ADV
fsr-3181	200	16	purchased	purchase	VERB
fsr-3181	200	17	or	or	CCONJ
fsr-3181	200	18	increased	increase	VERB
fsr-3181	200	19	whole	whole	ADJ
fsr-3181	200	20	life	life	NOUN
fsr-3181	200	21	insurance	insurance	NOUN
fsr-3181	200	22	coverage	coverage	NOUN
fsr-3181	200	23	,	,	PUNCT
fsr-3181	200	24	specifically	specifically	ADV
fsr-3181	200	25	applicable	applicable	ADJ
fsr-3181	200	26	to	to	ADP
fsr-3181	200	27	the	the	DET
fsr-3181	200	28	households	household	NOUN
fsr-3181	200	29	that	that	PRON
fsr-3181	200	30	have	have	AUX
fsr-3181	200	31	chosen	choose	VERB
fsr-3181	200	32	to	to	PART
fsr-3181	200	33	drop	drop	VERB
fsr-3181	200	34	or	or	CCONJ
fsr-3181	200	35	decrease	decrease	VERB
fsr-3181	200	36	term	term	NOUN
fsr-3181	200	37	(	(	PUNCT
fsr-3181	200	38	whole	whole	ADJ
fsr-3181	200	39	)	)	PUNCT
fsr-3181	200	40	life	life	NOUN
fsr-3181	200	41	insurance	insurance	NOUN
fsr-3181	200	42	since	since	SCONJ
fsr-3181	200	43	2007	2007	NUM
fsr-3181	200	44	,	,	PUNCT
fsr-3181	200	45	where	where	SCONJ
fsr-3181	200	46	dropdecrtermi	dropdecrtermi	NOUN
fsr-3181	200	47	=	=	SYM
fsr-3181	200	48	1	1	NUM
fsr-3181	200	49	(	(	PUNCT
fsr-3181	200	50	newincrwholei	newincrwholei	NOUN
fsr-3181	200	51	=	=	NOUN
fsr-3181	201	1	1	1	NUM
fsr-3181	201	2	)	)	PUNCT
fsr-3181	201	3	.	.	PUNCT
fsr-3181	202	1	note	note	VERB
fsr-3181	202	2	2	2	NUM
fsr-3181	202	3	:	:	PUNCT
fsr-3181	202	4	all	all	DET
fsr-3181	202	5	data	datum	NOUN
fsr-3181	202	6	variables	variable	NOUN
fsr-3181	202	7	are	be	AUX
fsr-3181	202	8	taken	take	VERB
fsr-3181	202	9	or	or	CCONJ
fsr-3181	202	10	calculated	calculate	VERB
fsr-3181	202	11	from	from	ADP
fsr-3181	202	12	the	the	DET
fsr-3181	202	13	2007	2007	NUM
fsr-3181	202	14	-	-	SYM
fsr-3181	202	15	2009	2009	NUM
fsr-3181	202	16	scf	scf	PROPN
fsr-3181	202	17	panel	panel	NOUN
fsr-3181	202	18	survey	survey	NOUN
fsr-3181	202	19	.	.	PUNCT
fsr-3181	203	1	see	see	VERB
fsr-3181	203	2	appendix	appendix	VERB
fsr-3181	203	3	a	a	PRON
fsr-3181	203	4	for	for	ADP
fsr-3181	203	5	more	more	ADJ
fsr-3181	203	6	details	detail	NOUN
fsr-3181	203	7	.	.	PUNCT
fsr-3181	204	1	financial	financial	ADJ
fsr-3181	204	2	services	service	NOUN
fsr-3181	204	3	review	review	PROPN
fsr-3181	204	4	,	,	PUNCT
fsr-3181	204	5	32(1	32(1	NUM
fsr-3181	204	6	)	)	PUNCT
fsr-3181	204	7	12	12	NUM
fsr-3181	204	8	results	result	NOUN
fsr-3181	204	9	for	for	ADP
fsr-3181	204	10	new	new	ADJ
fsr-3181	204	11	life	life	NOUN
fsr-3181	204	12	insurance	insurance	NOUN
fsr-3181	204	13	ownership	ownership	NOUN
fsr-3181	204	14	and	and	CCONJ
fsr-3181	204	15	coverage	coverage	NOUN
fsr-3181	204	16	tables	table	NOUN
fsr-3181	204	17	3	3	NUM
fsr-3181	204	18	,	,	PUNCT
fsr-3181	204	19	4	4	NUM
fsr-3181	204	20	,	,	PUNCT
fsr-3181	204	21	5	5	NUM
fsr-3181	204	22	,	,	PUNCT
fsr-3181	204	23	and	and	CCONJ
fsr-3181	204	24	6	6	NUM
fsr-3181	204	25	report	report	NOUN
fsr-3181	204	26	the	the	DET
fsr-3181	204	27	variables	variable	NOUN
fsr-3181	204	28	of	of	ADP
fsr-3181	204	29	household	household	NOUN
fsr-3181	204	30	portfolio	portfolio	NOUN
fsr-3181	204	31	allocation	allocation	NOUN
fsr-3181	204	32	decisions	decision	NOUN
fsr-3181	204	33	that	that	PRON
fsr-3181	204	34	have	have	VERB
fsr-3181	204	35	a	a	DET
fsr-3181	204	36	significant	significant	ADJ
fsr-3181	204	37	and	and	CCONJ
fsr-3181	204	38	dynamic	dynamic	ADJ
fsr-3181	204	39	impact	impact	NOUN
fsr-3181	204	40	on	on	ADP
fsr-3181	204	41	life	life	NOUN
fsr-3181	204	42	insurance	insurance	NOUN
fsr-3181	204	43	ownership	ownership	NOUN
fsr-3181	204	44	and	and	CCONJ
fsr-3181	204	45	coverage	coverage	NOUN
fsr-3181	204	46	decisions	decision	NOUN
fsr-3181	204	47	,	,	PUNCT
fsr-3181	204	48	while	while	SCONJ
fsr-3181	204	49	holding	hold	VERB
fsr-3181	204	50	the	the	DET
fsr-3181	204	51	other	other	ADJ
fsr-3181	204	52	determinants	determinant	NOUN
fsr-3181	204	53	of	of	ADP
fsr-3181	204	54	the	the	DET
fsr-3181	204	55	demand	demand	NOUN
fsr-3181	204	56	for	for	ADP
fsr-3181	204	57	life	life	NOUN
fsr-3181	204	58	insurance	insurance	NOUN
fsr-3181	204	59	constant	constant	ADJ
fsr-3181	204	60	.	.	PUNCT
fsr-3181	205	1	table	table	NOUN
fsr-3181	205	2	3	3	NUM
fsr-3181	205	3	shows	show	VERB
fsr-3181	205	4	the	the	DET
fsr-3181	205	5	results	result	NOUN
fsr-3181	205	6	for	for	ADP
fsr-3181	205	7	new	new	ADJ
fsr-3181	205	8	life	life	NOUN
fsr-3181	205	9	insurance	insurance	NOUN
fsr-3181	205	10	ownership	ownership	NOUN
fsr-3181	205	11	.	.	PUNCT
fsr-3181	206	1	it	it	PRON
fsr-3181	206	2	indicates	indicate	VERB
fsr-3181	206	3	that	that	SCONJ
fsr-3181	206	4	households	household	NOUN
fsr-3181	206	5	that	that	PRON
fsr-3181	206	6	have	have	AUX
fsr-3181	206	7	made	make	VERB
fsr-3181	206	8	decisions	decision	NOUN
fsr-3181	206	9	to	to	PART
fsr-3181	206	10	invest	invest	VERB
fsr-3181	206	11	more	more	ADV
fsr-3181	206	12	in	in	ADP
fsr-3181	206	13	cash	cash	NOUN
fsr-3181	206	14	and	and	CCONJ
fsr-3181	206	15	cash	cash	NOUN
fsr-3181	206	16	equivalents	equivalent	NOUN
fsr-3181	206	17	are	be	AUX
fsr-3181	206	18	less	less	ADV
fsr-3181	206	19	likely	likely	ADJ
fsr-3181	206	20	to	to	PART
fsr-3181	206	21	initiate	initiate	VERB
fsr-3181	206	22	or	or	CCONJ
fsr-3181	206	23	increase	increase	VERB
fsr-3181	206	24	term	term	NOUN
fsr-3181	206	25	life	life	NOUN
fsr-3181	206	26	insurance	insurance	NOUN
fsr-3181	206	27	.	.	PUNCT
fsr-3181	207	1	by	by	ADP
fsr-3181	207	2	holding	hold	VERB
fsr-3181	207	3	more	more	ADJ
fsr-3181	207	4	cash	cash	NOUN
fsr-3181	207	5	and	and	CCONJ
fsr-3181	207	6	cash	cash	NOUN
fsr-3181	207	7	equivalents	equivalent	NOUN
fsr-3181	207	8	,	,	PUNCT
fsr-3181	207	9	households	household	NOUN
fsr-3181	207	10	could	could	AUX
fsr-3181	207	11	gain	gain	VERB
fsr-3181	207	12	financial	financial	ADJ
fsr-3181	207	13	security	security	NOUN
fsr-3181	207	14	and	and	CCONJ
fsr-3181	207	15	confidence	confidence	NOUN
fsr-3181	207	16	in	in	ADP
fsr-3181	207	17	relying	rely	VERB
fsr-3181	207	18	on	on	ADP
fsr-3181	207	19	the	the	DET
fsr-3181	207	20	accumulated	accumulate	VERB
fsr-3181	207	21	cash	cash	NOUN
fsr-3181	207	22	savings	saving	NOUN
fsr-3181	207	23	should	should	AUX
fsr-3181	207	24	unforeseen	unforeseen	VERB
fsr-3181	207	25	circumstances	circumstance	NOUN
fsr-3181	207	26	arise	arise	VERB
fsr-3181	207	27	.	.	PUNCT
fsr-3181	208	1	consequently	consequently	ADV
fsr-3181	208	2	,	,	PUNCT
fsr-3181	208	3	they	they	PRON
fsr-3181	208	4	may	may	AUX
fsr-3181	208	5	exhibit	exhibit	VERB
fsr-3181	208	6	reduced	reduced	ADJ
fsr-3181	208	7	risk	risk	NOUN
fsr-3181	208	8	aversion	aversion	NOUN
fsr-3181	208	9	and	and	CCONJ
fsr-3181	208	10	choose	choose	VERB
fsr-3181	208	11	to	to	PART
fsr-3181	208	12	selfinsure	selfinsure	VERB
fsr-3181	208	13	instead	instead	ADV
fsr-3181	208	14	of	of	ADP
fsr-3181	208	15	holding	hold	VERB
fsr-3181	208	16	term	term	NOUN
fsr-3181	208	17	life	life	NOUN
fsr-3181	208	18	insurance	insurance	NOUN
fsr-3181	208	19	to	to	PART
fsr-3181	208	20	offset	offset	VERB
fsr-3181	208	21	potential	potential	ADJ
fsr-3181	208	22	financial	financial	ADJ
fsr-3181	208	23	losses	loss	NOUN
fsr-3181	208	24	resulting	result	VERB
fsr-3181	208	25	from	from	ADP
fsr-3181	208	26	premature	premature	ADJ
fsr-3181	208	27	death	death	NOUN
fsr-3181	208	28	.	.	PUNCT
fsr-3181	209	1	furthermore	furthermore	ADV
fsr-3181	209	2	,	,	PUNCT
fsr-3181	209	3	from	from	ADP
fsr-3181	209	4	the	the	DET
fsr-3181	209	5	perspective	perspective	NOUN
fsr-3181	209	6	of	of	ADP
fsr-3181	209	7	the	the	DET
fsr-3181	209	8	total	total	ADJ
fsr-3181	209	9	portfolio	portfolio	NOUN
fsr-3181	209	10	picture	picture	NOUN
fsr-3181	209	11	,	,	PUNCT
fsr-3181	209	12	households	household	NOUN
fsr-3181	209	13	might	might	AUX
fsr-3181	209	14	perceive	perceive	VERB
fsr-3181	209	15	their	their	PRON
fsr-3181	209	16	most	most	ADV
fsr-3181	209	17	liquid	liquid	ADJ
fsr-3181	209	18	financial	financial	ADJ
fsr-3181	209	19	assets	asset	NOUN
fsr-3181	209	20	as	as	ADP
fsr-3181	209	21	an	an	DET
fsr-3181	209	22	avenue	avenue	NOUN
fsr-3181	209	23	to	to	PART
fsr-3181	209	24	explore	explore	VERB
fsr-3181	209	25	investments	investment	NOUN
fsr-3181	209	26	in	in	ADP
fsr-3181	209	27	alternative	alternative	ADJ
fsr-3181	209	28	assets	asset	NOUN
fsr-3181	209	29	that	that	PRON
fsr-3181	209	30	possess	possess	VERB
fsr-3181	209	31	the	the	DET
fsr-3181	209	32	potential	potential	NOUN
fsr-3181	209	33	for	for	ADP
fsr-3181	209	34	higher	high	ADJ
fsr-3181	209	35	returns	return	NOUN
fsr-3181	209	36	compared	compare	VERB
fsr-3181	209	37	to	to	ADP
fsr-3181	209	38	life	life	NOUN
fsr-3181	209	39	insurance	insurance	NOUN
fsr-3181	209	40	.	.	PUNCT
fsr-3181	210	1	so	so	ADV
fsr-3181	210	2	they	they	PRON
fsr-3181	210	3	could	could	AUX
fsr-3181	210	4	be	be	AUX
fsr-3181	210	5	reluctant	reluctant	ADJ
fsr-3181	210	6	in	in	ADP
fsr-3181	210	7	directing	direct	VERB
fsr-3181	210	8	their	their	PRON
fsr-3181	210	9	surplus	surplus	ADJ
fsr-3181	210	10	cash	cash	NOUN
fsr-3181	210	11	towards	towards	ADP
fsr-3181	210	12	life	life	NOUN
fsr-3181	210	13	insurance	insurance	NOUN
fsr-3181	210	14	,	,	PUNCT
fsr-3181	210	15	particularly	particularly	ADV
fsr-3181	210	16	when	when	SCONJ
fsr-3181	210	17	confronted	confront	VERB
fsr-3181	210	18	with	with	ADP
fsr-3181	210	19	other	other	ADJ
fsr-3181	210	20	financial	financial	ADJ
fsr-3181	210	21	priorities	priority	NOUN
fsr-3181	210	22	during	during	ADP
fsr-3181	210	23	recessions	recession	NOUN
fsr-3181	210	24	.	.	PUNCT
fsr-3181	211	1	in	in	ADP
fsr-3181	211	2	table	table	NOUN
fsr-3181	211	3	3	3	NUM
fsr-3181	211	4	,	,	PUNCT
fsr-3181	211	5	the	the	DET
fsr-3181	211	6	results	result	NOUN
fsr-3181	211	7	also	also	ADV
fsr-3181	211	8	indicate	indicate	VERB
fsr-3181	211	9	that	that	SCONJ
fsr-3181	211	10	households	household	NOUN
fsr-3181	211	11	that	that	PRON
fsr-3181	211	12	have	have	AUX
fsr-3181	211	13	determined	determine	VERB
fsr-3181	211	14	to	to	PART
fsr-3181	211	15	increase	increase	VERB
fsr-3181	211	16	their	their	PRON
fsr-3181	211	17	investment	investment	NOUN
fsr-3181	211	18	in	in	ADP
fsr-3181	211	19	retirement	retirement	NOUN
fsr-3181	211	20	assets	asset	NOUN
fsr-3181	211	21	are	be	AUX
fsr-3181	211	22	more	more	ADV
fsr-3181	211	23	likely	likely	ADJ
fsr-3181	211	24	to	to	PART
fsr-3181	211	25	initiate	initiate	VERB
fsr-3181	211	26	or	or	CCONJ
fsr-3181	211	27	increase	increase	VERB
fsr-3181	211	28	term	term	NOUN
fsr-3181	211	29	life	life	NOUN
fsr-3181	211	30	insurance	insurance	NOUN
fsr-3181	211	31	.	.	PUNCT
fsr-3181	212	1	given	give	VERB
fsr-3181	212	2	that	that	SCONJ
fsr-3181	212	3	retirement	retirement	NOUN
fsr-3181	212	4	assets	asset	NOUN
fsr-3181	212	5	represent	represent	VERB
fsr-3181	212	6	a	a	DET
fsr-3181	212	7	substantial	substantial	ADJ
fsr-3181	212	8	portion	portion	NOUN
fsr-3181	212	9	of	of	ADP
fsr-3181	212	10	household	household	NOUN
fsr-3181	212	11	wealth	wealth	NOUN
fsr-3181	212	12	,	,	PUNCT
fsr-3181	212	13	this	this	DET
fsr-3181	212	14	finding	finding	NOUN
fsr-3181	212	15	suggests	suggest	VERB
fsr-3181	212	16	that	that	SCONJ
fsr-3181	212	17	household	household	NOUN
fsr-3181	212	18	wealth	wealth	NOUN
fsr-3181	212	19	may	may	AUX
fsr-3181	212	20	play	play	VERB
fsr-3181	212	21	a	a	DET
fsr-3181	212	22	positive	positive	ADJ
fsr-3181	212	23	role	role	NOUN
fsr-3181	212	24	in	in	ADP
fsr-3181	212	25	driving	drive	VERB
fsr-3181	212	26	the	the	DET
fsr-3181	212	27	demand	demand	NOUN
fsr-3181	212	28	for	for	ADP
fsr-3181	212	29	term	term	NOUN
fsr-3181	212	30	life	life	NOUN
fsr-3181	212	31	insurance	insurance	NOUN
fsr-3181	212	32	(	(	PUNCT
fsr-3181	212	33	headen	headen	PROPN
fsr-3181	212	34	&	&	CCONJ
fsr-3181	212	35	lee	lee	PROPN
fsr-3181	212	36	,	,	PUNCT
fsr-3181	212	37	1974	1974	NUM
fsr-3181	212	38	;	;	PUNCT
fsr-3181	212	39	bernheim	bernheim	NOUN
fsr-3181	212	40	,	,	PUNCT
fsr-3181	212	41	1991	1991	NUM
fsr-3181	212	42	;	;	PUNCT
fsr-3181	212	43	hau	hau	NOUN
fsr-3181	212	44	2000	2000	NUM
fsr-3181	212	45	;	;	PUNCT
fsr-3181	212	46	lin	lin	PROPN
fsr-3181	212	47	&	&	CCONJ
fsr-3181	212	48	grace	grace	PROPN
fsr-3181	212	49	2007	2007	NUM
fsr-3181	212	50	;	;	PUNCT
fsr-3181	212	51	shi	shi	PROPN
fsr-3181	212	52	et	et	PROPN
fsr-3181	212	53	al	al	PROPN
fsr-3181	212	54	.	.	PROPN
fsr-3181	212	55	,	,	PUNCT
fsr-3181	212	56	2015	2015	NUM
fsr-3181	212	57	;	;	PUNCT
fsr-3181	212	58	mulholland	mulholland	PROPN
fsr-3181	212	59	et	et	PROPN
fsr-3181	212	60	al	al	PROPN
fsr-3181	212	61	.	.	PROPN
fsr-3181	212	62	,	,	PUNCT
fsr-3181	212	63	2016	2016	NUM
fsr-3181	212	64	)	)	PUNCT
fsr-3181	212	65	.	.	PUNCT
fsr-3181	213	1	this	this	DET
fsr-3181	213	2	insight	insight	NOUN
fsr-3181	213	3	implies	imply	VERB
fsr-3181	213	4	that	that	SCONJ
fsr-3181	213	5	improved	improve	VERB
fsr-3181	213	6	financial	financial	ADJ
fsr-3181	213	7	wellbeing	wellbeing	NOUN
fsr-3181	213	8	may	may	AUX
fsr-3181	213	9	lead	lead	VERB
fsr-3181	213	10	to	to	ADP
fsr-3181	213	11	an	an	DET
fsr-3181	213	12	increase	increase	NOUN
fsr-3181	213	13	in	in	ADP
fsr-3181	213	14	the	the	DET
fsr-3181	213	15	demand	demand	NOUN
fsr-3181	213	16	for	for	ADP
fsr-3181	213	17	term	term	NOUN
fsr-3181	213	18	life	life	NOUN
fsr-3181	213	19	insurance	insurance	NOUN
fsr-3181	213	20	,	,	PUNCT
fsr-3181	213	21	particularly	particularly	ADV
fsr-3181	213	22	during	during	ADP
fsr-3181	213	23	periods	period	NOUN
fsr-3181	213	24	of	of	ADP
fsr-3181	213	25	economic	economic	ADJ
fsr-3181	213	26	downturns	downturn	NOUN
fsr-3181	213	27	.	.	PUNCT
fsr-3181	214	1	the	the	DET
fsr-3181	214	2	proximity	proximity	NOUN
fsr-3181	214	3	to	to	ADP
fsr-3181	214	4	and	and	CCONJ
fsr-3181	214	5	familiarity	familiarity	NOUN
fsr-3181	214	6	with	with	ADP
fsr-3181	214	7	financial	financial	ADJ
fsr-3181	214	8	markets	market	NOUN
fsr-3181	214	9	could	could	AUX
fsr-3181	214	10	potentially	potentially	ADV
fsr-3181	214	11	contribute	contribute	VERB
fsr-3181	214	12	to	to	ADP
fsr-3181	214	13	this	this	DET
fsr-3181	214	14	trend	trend	NOUN
fsr-3181	214	15	,	,	PUNCT
fsr-3181	214	16	as	as	SCONJ
fsr-3181	214	17	these	these	DET
fsr-3181	214	18	factors	factor	NOUN
fsr-3181	214	19	tend	tend	VERB
fsr-3181	214	20	to	to	PART
fsr-3181	214	21	bolster	bolster	VERB
fsr-3181	214	22	both	both	DET
fsr-3181	214	23	engagement	engagement	NOUN
fsr-3181	214	24	in	in	ADP
fsr-3181	214	25	financial	financial	ADJ
fsr-3181	214	26	markets	market	NOUN
fsr-3181	214	27	and	and	CCONJ
fsr-3181	214	28	the	the	DET
fsr-3181	214	29	insurance	insurance	NOUN
fsr-3181	214	30	market	market	NOUN
fsr-3181	214	31	(	(	PUNCT
fsr-3181	214	32	luciano	luciano	PROPN
fsr-3181	214	33	et	et	PROPN
fsr-3181	214	34	al	al	PROPN
fsr-3181	214	35	.	.	PROPN
fsr-3181	214	36	,	,	PUNCT
fsr-3181	214	37	2016	2016	NUM
fsr-3181	214	38	)	)	PUNCT
fsr-3181	214	39	.	.	PUNCT
fsr-3181	215	1	additionally	additionally	ADV
fsr-3181	215	2	,	,	PUNCT
fsr-3181	215	3	diversification	diversification	NOUN
fsr-3181	215	4	could	could	AUX
fsr-3181	215	5	emerge	emerge	VERB
fsr-3181	215	6	as	as	ADP
fsr-3181	215	7	an	an	DET
fsr-3181	215	8	additional	additional	ADJ
fsr-3181	215	9	factor	factor	NOUN
fsr-3181	215	10	.	.	PUNCT
fsr-3181	216	1	term	term	NOUN
fsr-3181	216	2	life	life	NOUN
fsr-3181	216	3	insurance	insurance	NOUN
fsr-3181	216	4	can	can	AUX
fsr-3181	216	5	add	add	VERB
fsr-3181	216	6	another	another	DET
fsr-3181	216	7	layer	layer	NOUN
fsr-3181	216	8	of	of	ADP
fsr-3181	216	9	protection	protection	NOUN
fsr-3181	216	10	beyond	beyond	ADP
fsr-3181	216	11	the	the	DET
fsr-3181	216	12	relatively	relatively	ADV
fsr-3181	216	13	less	less	ADV
fsr-3181	216	14	liquid	liquid	ADJ
fsr-3181	216	15	retirement	retirement	NOUN
fsr-3181	216	16	investments	investment	NOUN
fsr-3181	216	17	,	,	PUNCT
fsr-3181	216	18	thereby	thereby	ADV
fsr-3181	216	19	mitigating	mitigate	VERB
fsr-3181	216	20	overall	overall	ADJ
fsr-3181	216	21	financial	financial	ADJ
fsr-3181	216	22	risk	risk	NOUN
fsr-3181	216	23	for	for	ADP
fsr-3181	216	24	households	household	NOUN
fsr-3181	216	25	.	.	PUNCT
fsr-3181	217	1	furthermore	furthermore	ADV
fsr-3181	217	2	,	,	PUNCT
fsr-3181	217	3	the	the	DET
fsr-3181	217	4	results	result	NOUN
fsr-3181	217	5	for	for	ADP
fsr-3181	217	6	new	new	ADJ
fsr-3181	217	7	life	life	NOUN
fsr-3181	217	8	insurance	insurance	NOUN
fsr-3181	217	9	coverage	coverage	NOUN
fsr-3181	217	10	shown	show	VERB
fsr-3181	217	11	in	in	ADP
fsr-3181	217	12	table	table	NOUN
fsr-3181	217	13	4	4	NUM
fsr-3181	217	14	demonstrate	demonstrate	VERB
fsr-3181	217	15	that	that	SCONJ
fsr-3181	217	16	,	,	PUNCT
fsr-3181	217	17	among	among	ADP
fsr-3181	217	18	the	the	DET
fsr-3181	217	19	households	household	NOUN
fsr-3181	217	20	that	that	PRON
fsr-3181	217	21	chose	choose	VERB
fsr-3181	217	22	to	to	PART
fsr-3181	217	23	initiate	initiate	VERB
fsr-3181	217	24	or	or	CCONJ
fsr-3181	217	25	increase	increase	VERB
fsr-3181	217	26	term	term	NOUN
fsr-3181	217	27	life	life	NOUN
fsr-3181	217	28	insurance	insurance	NOUN
fsr-3181	217	29	,	,	PUNCT
fsr-3181	217	30	those	those	PRON
fsr-3181	217	31	that	that	PRON
fsr-3181	217	32	invested	invest	VERB
fsr-3181	217	33	more	more	ADV
fsr-3181	217	34	in	in	ADP
fsr-3181	217	35	retirement	retirement	NOUN
fsr-3181	217	36	assets	asset	NOUN
fsr-3181	217	37	tend	tend	VERB
fsr-3181	217	38	to	to	PART
fsr-3181	217	39	increase	increase	VERB
fsr-3181	217	40	significantly	significantly	ADV
fsr-3181	217	41	more	more	ADJ
fsr-3181	217	42	coverage	coverage	NOUN
fsr-3181	217	43	than	than	ADP
fsr-3181	217	44	others	other	NOUN
fsr-3181	217	45	.	.	PUNCT
fsr-3181	218	1	it	it	PRON
fsr-3181	218	2	is	be	AUX
fsr-3181	218	3	implied	imply	VERB
fsr-3181	218	4	that	that	SCONJ
fsr-3181	218	5	the	the	DET
fsr-3181	218	6	flow	flow	NOUN
fsr-3181	218	7	of	of	ADP
fsr-3181	218	8	household	household	NOUN
fsr-3181	218	9	funds	fund	NOUN
fsr-3181	218	10	into	into	ADP
fsr-3181	218	11	risky	risky	ADJ
fsr-3181	218	12	assets	asset	NOUN
fsr-3181	218	13	can	can	AUX
fsr-3181	218	14	positively	positively	ADV
fsr-3181	218	15	impact	impact	VERB
fsr-3181	218	16	their	their	PRON
fsr-3181	218	17	holding	holding	NOUN
fsr-3181	218	18	of	of	ADP
fsr-3181	218	19	new	new	ADJ
fsr-3181	218	20	or	or	CCONJ
fsr-3181	218	21	more	more	ADJ
fsr-3181	218	22	term	term	NOUN
fsr-3181	218	23	life	life	NOUN
fsr-3181	218	24	insurance	insurance	NOUN
fsr-3181	218	25	during	during	ADP
fsr-3181	218	26	recessions	recession	NOUN
fsr-3181	218	27	.	.	PUNCT
fsr-3181	219	1	increasing	increase	VERB
fsr-3181	219	2	investments	investment	NOUN
fsr-3181	219	3	for	for	ADP
fsr-3181	219	4	retirement	retirement	NOUN
fsr-3181	219	5	in	in	ADP
fsr-3181	219	6	conjunction	conjunction	NOUN
fsr-3181	219	7	with	with	ADP
fsr-3181	219	8	the	the	DET
fsr-3181	219	9	acquisition	acquisition	NOUN
fsr-3181	219	10	or	or	CCONJ
fsr-3181	219	11	expansion	expansion	NOUN
fsr-3181	219	12	of	of	ADP
fsr-3181	219	13	term	term	NOUN
fsr-3181	219	14	life	life	NOUN
fsr-3181	219	15	insurance	insurance	NOUN
fsr-3181	219	16	coverage	coverage	NOUN
fsr-3181	219	17	for	for	ADP
fsr-3181	219	18	risk	risk	NOUN
fsr-3181	219	19	management	management	NOUN
fsr-3181	219	20	can	can	AUX
fsr-3181	219	21	constitute	constitute	VERB
fsr-3181	219	22	fundamental	fundamental	ADJ
fsr-3181	219	23	elements	element	NOUN
fsr-3181	219	24	of	of	ADP
fsr-3181	219	25	a	a	DET
fsr-3181	219	26	comprehensive	comprehensive	ADJ
fsr-3181	219	27	and	and	CCONJ
fsr-3181	219	28	prudent	prudent	ADJ
fsr-3181	219	29	financial	financial	ADJ
fsr-3181	219	30	planning	planning	NOUN
fsr-3181	219	31	strategy	strategy	NOUN
fsr-3181	219	32	,	,	PUNCT
fsr-3181	219	33	particularly	particularly	ADV
fsr-3181	219	34	in	in	ADP
fsr-3181	219	35	the	the	DET
fsr-3181	219	36	context	context	NOUN
fsr-3181	219	37	of	of	ADP
fsr-3181	219	38	a	a	DET
fsr-3181	219	39	financial	financial	ADJ
fsr-3181	219	40	crisis	crisis	NOUN
fsr-3181	219	41	.	.	PUNCT
fsr-3181	220	1	table	table	NOUN
fsr-3181	220	2	3	3	NUM
fsr-3181	220	3	also	also	ADV
fsr-3181	220	4	indicates	indicate	VERB
fsr-3181	220	5	that	that	SCONJ
fsr-3181	220	6	households	household	NOUN
fsr-3181	220	7	that	that	PRON
fsr-3181	220	8	have	have	AUX
fsr-3181	220	9	determined	determine	VERB
fsr-3181	220	10	to	to	PART
fsr-3181	220	11	increase	increase	VERB
fsr-3181	220	12	their	their	PRON
fsr-3181	220	13	investment	investment	NOUN
fsr-3181	220	14	in	in	ADP
fsr-3181	220	15	retirement	retirement	NOUN
fsr-3181	220	16	assets	asset	NOUN
fsr-3181	220	17	are	be	AUX
fsr-3181	220	18	less	less	ADV
fsr-3181	220	19	likely	likely	ADJ
fsr-3181	220	20	to	to	PART
fsr-3181	220	21	initiate	initiate	VERB
fsr-3181	220	22	or	or	CCONJ
fsr-3181	220	23	increase	increase	VERB
fsr-3181	220	24	whole	whole	ADJ
fsr-3181	220	25	life	life	NOUN
fsr-3181	220	26	insurance	insurance	NOUN
fsr-3181	220	27	.	.	PUNCT
fsr-3181	221	1	it	it	PRON
fsr-3181	221	2	suggests	suggest	VERB
fsr-3181	221	3	that	that	SCONJ
fsr-3181	221	4	household	household	NOUN
fsr-3181	221	5	wealth	wealth	NOUN
fsr-3181	221	6	tends	tend	VERB
fsr-3181	221	7	to	to	PART
fsr-3181	221	8	diminish	diminish	VERB
fsr-3181	221	9	the	the	DET
fsr-3181	221	10	demand	demand	NOUN
fsr-3181	221	11	for	for	ADP
fsr-3181	221	12	whole	whole	ADJ
fsr-3181	221	13	life	life	NOUN
fsr-3181	221	14	insurance	insurance	NOUN
fsr-3181	221	15	that	that	PRON
fsr-3181	221	16	has	have	VERB
fsr-3181	221	17	a	a	DET
fsr-3181	221	18	saving	saving	NOUN
fsr-3181	221	19	function	function	NOUN
fsr-3181	221	20	.	.	PUNCT
fsr-3181	222	1	households	household	NOUN
fsr-3181	222	2	focusing	focus	VERB
fsr-3181	222	3	on	on	ADP
fsr-3181	222	4	bolstering	bolster	VERB
fsr-3181	222	5	their	their	PRON
fsr-3181	222	6	retirement	retirement	NOUN
fsr-3181	222	7	investments	investment	NOUN
fsr-3181	222	8	could	could	AUX
fsr-3181	222	9	find	find	VERB
fsr-3181	222	10	that	that	SCONJ
fsr-3181	222	11	the	the	DET
fsr-3181	222	12	cost	cost	NOUN
fsr-3181	222	13	of	of	ADP
fsr-3181	222	14	whole	whole	ADJ
fsr-3181	222	15	life	life	NOUN
fsr-3181	222	16	insurance	insurance	NOUN
fsr-3181	222	17	can	can	AUX
fsr-3181	222	18	limit	limit	VERB
fsr-3181	222	19	the	the	DET
fsr-3181	222	20	amount	amount	NOUN
fsr-3181	222	21	of	of	ADP
fsr-3181	222	22	funds	fund	NOUN
fsr-3181	222	23	they	they	PRON
fsr-3181	222	24	can	can	AUX
fsr-3181	222	25	allocate	allocate	VERB
fsr-3181	222	26	to	to	ADP
fsr-3181	222	27	retirement	retirement	NOUN
fsr-3181	222	28	assets	asset	NOUN
fsr-3181	222	29	during	during	ADP
fsr-3181	222	30	recessions	recession	NOUN
fsr-3181	222	31	.	.	PUNCT
fsr-3181	223	1	these	these	DET
fsr-3181	223	2	households	household	NOUN
fsr-3181	223	3	might	might	AUX
fsr-3181	223	4	have	have	VERB
fsr-3181	223	5	a	a	DET
fsr-3181	223	6	higher	high	ADJ
fsr-3181	223	7	risk	risk	NOUN
fsr-3181	223	8	tolerance	tolerance	NOUN
fsr-3181	223	9	and	and	CCONJ
fsr-3181	223	10	a	a	DET
fsr-3181	223	11	greater	great	ADJ
fsr-3181	223	12	propensity	propensity	NOUN
fsr-3181	223	13	to	to	PART
fsr-3181	223	14	invest	invest	VERB
fsr-3181	223	15	in	in	ADP
fsr-3181	223	16	assets	asset	NOUN
fsr-3181	223	17	offering	offer	VERB
fsr-3181	223	18	potentially	potentially	ADV
fsr-3181	223	19	higher	high	ADJ
fsr-3181	223	20	returns	return	NOUN
fsr-3181	223	21	compared	compare	VERB
fsr-3181	223	22	to	to	ADP
fsr-3181	223	23	whole	whole	ADJ
fsr-3181	223	24	life	life	NOUN
fsr-3181	223	25	insurance	insurance	NOUN
fsr-3181	223	26	,	,	PUNCT
fsr-3181	223	27	which	which	PRON
fsr-3181	223	28	emphasizes	emphasize	VERB
fsr-3181	223	29	stability	stability	NOUN
fsr-3181	223	30	and	and	CCONJ
fsr-3181	223	31	guaranteed	guarantee	VERB
fsr-3181	223	32	or	or	CCONJ
fsr-3181	223	33	moderate	moderate	ADJ
fsr-3181	223	34	returns	return	NOUN
fsr-3181	223	35	.	.	PUNCT
fsr-3181	224	1	in	in	ADP
fsr-3181	224	2	addition	addition	NOUN
fsr-3181	224	3	to	to	ADP
fsr-3181	224	4	the	the	DET
fsr-3181	224	5	active	active	ADJ
fsr-3181	224	6	allocation	allocation	NOUN
fsr-3181	224	7	of	of	ADP
fsr-3181	224	8	financial	financial	ADJ
fsr-3181	224	9	assets	asset	NOUN
fsr-3181	224	10	in	in	ADP
fsr-3181	224	11	household	household	NOUN
fsr-3181	224	12	portfolios	portfolio	NOUN
fsr-3181	224	13	,	,	PUNCT
fsr-3181	224	14	the	the	DET
fsr-3181	224	15	results	result	NOUN
fsr-3181	224	16	of	of	ADP
fsr-3181	224	17	table	table	NOUN
fsr-3181	224	18	3	3	NUM
fsr-3181	224	19	also	also	ADV
fsr-3181	224	20	demonstrate	demonstrate	VERB
fsr-3181	224	21	that	that	SCONJ
fsr-3181	224	22	household	household	NOUN
fsr-3181	224	23	decisions	decision	NOUN
fsr-3181	224	24	to	to	PART
fsr-3181	224	25	pay	pay	VERB
fsr-3181	224	26	off	off	ADP
fsr-3181	224	27	debts	debt	NOUN
fsr-3181	224	28	can	can	AUX
fsr-3181	224	29	impact	impact	VERB
fsr-3181	224	30	the	the	DET
fsr-3181	224	31	ownership	ownership	NOUN
fsr-3181	224	32	of	of	ADP
fsr-3181	224	33	whole	whole	ADJ
fsr-3181	224	34	life	life	NOUN
fsr-3181	224	35	insurance	insurance	NOUN
fsr-3181	224	36	.	.	PUNCT
fsr-3181	225	1	it	it	PRON
fsr-3181	225	2	shows	show	VERB
fsr-3181	225	3	that	that	SCONJ
fsr-3181	225	4	households	household	NOUN
fsr-3181	225	5	that	that	PRON
fsr-3181	225	6	have	have	AUX
fsr-3181	225	7	decided	decide	VERB
fsr-3181	225	8	to	to	PART
fsr-3181	225	9	pay	pay	VERB
fsr-3181	225	10	off	off	ADP
fsr-3181	225	11	debts	debt	NOUN
fsr-3181	225	12	are	be	AUX
fsr-3181	225	13	more	more	ADV
fsr-3181	225	14	likely	likely	ADJ
fsr-3181	225	15	to	to	PART
fsr-3181	225	16	initiate	initiate	VERB
fsr-3181	225	17	or	or	CCONJ
fsr-3181	225	18	increase	increase	VERB
fsr-3181	225	19	whole	whole	ADJ
fsr-3181	225	20	life	life	NOUN
fsr-3181	225	21	insurance	insurance	NOUN
fsr-3181	225	22	.	.	PUNCT
fsr-3181	226	1	the	the	DET
fsr-3181	226	2	cash	cash	NOUN
fsr-3181	226	3	value	value	NOUN
fsr-3181	226	4	of	of	ADP
fsr-3181	226	5	whole	whole	ADJ
fsr-3181	226	6	life	life	NOUN
fsr-3181	226	7	insurance	insurance	NOUN
fsr-3181	226	8	holds	hold	VERB
fsr-3181	226	9	the	the	DET
fsr-3181	226	10	potential	potential	NOUN
fsr-3181	226	11	to	to	PART
fsr-3181	226	12	serve	serve	VERB
fsr-3181	226	13	as	as	ADP
fsr-3181	226	14	a	a	DET
fsr-3181	226	15	resource	resource	NOUN
fsr-3181	226	16	for	for	ADP
fsr-3181	226	17	debt	debt	NOUN
fsr-3181	226	18	or	or	CCONJ
fsr-3181	226	19	loan	loan	NOUN
fsr-3181	226	20	repayment	repayment	NOUN
fsr-3181	226	21	(	(	PUNCT
fsr-3181	226	22	ferber	ferber	PROPN
fsr-3181	226	23	&	&	CCONJ
fsr-3181	226	24	lee	lee	PROPN
fsr-3181	226	25	,	,	PUNCT
fsr-3181	226	26	1980	1980	NUM
fsr-3181	226	27	;	;	PUNCT
fsr-3181	226	28	hau	hau	NOUN
fsr-3181	226	29	,	,	PUNCT
fsr-3181	226	30	2000	2000	NUM
fsr-3181	226	31	;	;	PUNCT
fsr-3181	226	32	lin	lin	PROPN
fsr-3181	226	33	&	&	CCONJ
fsr-3181	226	34	grace	grace	PROPN
fsr-3181	226	35	,	,	PUNCT
fsr-3181	226	36	2007	2007	NUM
fsr-3181	226	37	;	;	PUNCT
fsr-3181	226	38	wang	wang	PROPN
fsr-3181	226	39	,	,	PUNCT
fsr-3181	226	40	2023	2023	NUM
fsr-3181	226	41	)	)	PUNCT
fsr-3181	226	42	.	.	PUNCT
fsr-3181	227	1	incorporating	incorporate	VERB
fsr-3181	227	2	whole	whole	ADJ
fsr-3181	227	3	life	life	NOUN
fsr-3181	227	4	insurance	insurance	NOUN
fsr-3181	227	5	into	into	ADP
fsr-3181	227	6	a	a	DET
fsr-3181	227	7	debt	debt	NOUN
fsr-3181	227	8	repayment	repayment	NOUN
fsr-3181	227	9	strategy	strategy	NOUN
fsr-3181	227	10	can	can	AUX
fsr-3181	227	11	wang	wang	PROPN
fsr-3181	227	12	et	et	PROPN
fsr-3181	227	13	al	al	PROPN
fsr-3181	227	14	.	.	PROPN
fsr-3181	227	15	13	13	NUM
fsr-3181	227	16	contribute	contribute	VERB
fsr-3181	227	17	to	to	ADP
fsr-3181	227	18	enhancing	enhance	VERB
fsr-3181	227	19	household	household	NOUN
fsr-3181	227	20	financial	financial	ADJ
fsr-3181	227	21	stability	stability	NOUN
fsr-3181	227	22	during	during	ADP
fsr-3181	227	23	economic	economic	ADJ
fsr-3181	227	24	recessions	recession	NOUN
fsr-3181	227	25	.	.	PUNCT
fsr-3181	228	1	we	we	PRON
fsr-3181	228	2	also	also	ADV
fsr-3181	228	3	explore	explore	VERB
fsr-3181	228	4	the	the	DET
fsr-3181	228	5	impact	impact	NOUN
fsr-3181	228	6	of	of	ADP
fsr-3181	228	7	other	other	ADJ
fsr-3181	228	8	financial	financial	ADJ
fsr-3181	228	9	decisions	decision	NOUN
fsr-3181	228	10	made	make	VERB
fsr-3181	228	11	by	by	ADP
fsr-3181	228	12	households	household	NOUN
fsr-3181	228	13	on	on	ADP
fsr-3181	228	14	their	their	PRON
fsr-3181	228	15	new	new	ADJ
fsr-3181	228	16	life	life	NOUN
fsr-3181	228	17	insurance	insurance	NOUN
fsr-3181	228	18	ownership	ownership	NOUN
fsr-3181	228	19	.	.	PUNCT
fsr-3181	229	1	according	accord	VERB
fsr-3181	229	2	to	to	ADP
fsr-3181	229	3	table	table	NOUN
fsr-3181	229	4	3	3	NUM
fsr-3181	229	5	,	,	PUNCT
fsr-3181	229	6	households	household	NOUN
fsr-3181	229	7	that	that	PRON
fsr-3181	229	8	have	have	AUX
fsr-3181	229	9	reduced	reduce	VERB
fsr-3181	229	10	their	their	PRON
fsr-3181	229	11	spending	spending	NOUN
fsr-3181	229	12	during	during	ADP
fsr-3181	229	13	recessionary	recessionary	ADJ
fsr-3181	229	14	periods	period	NOUN
fsr-3181	229	15	are	be	AUX
fsr-3181	229	16	more	more	ADV
fsr-3181	229	17	likely	likely	ADJ
fsr-3181	229	18	to	to	PART
fsr-3181	229	19	initiate	initiate	VERB
fsr-3181	229	20	or	or	CCONJ
fsr-3181	229	21	increase	increase	VERB
fsr-3181	229	22	whole	whole	ADJ
fsr-3181	229	23	life	life	NOUN
fsr-3181	229	24	insurance	insurance	NOUN
fsr-3181	229	25	.	.	PUNCT
fsr-3181	230	1	this	this	PRON
fsr-3181	230	2	suggests	suggest	VERB
fsr-3181	230	3	that	that	SCONJ
fsr-3181	230	4	as	as	SCONJ
fsr-3181	230	5	households	household	NOUN
fsr-3181	230	6	become	become	VERB
fsr-3181	230	7	more	more	ADJ
fsr-3181	230	8	risk	risk	NOUN
fsr-3181	230	9	averse	averse	ADJ
fsr-3181	230	10	due	due	ADJ
fsr-3181	230	11	to	to	ADP
fsr-3181	230	12	reduced	reduce	VERB
fsr-3181	230	13	spending	spending	NOUN
fsr-3181	230	14	during	during	ADP
fsr-3181	230	15	a	a	DET
fsr-3181	230	16	financial	financial	ADJ
fsr-3181	230	17	crisis	crisis	NOUN
fsr-3181	230	18	,	,	PUNCT
fsr-3181	230	19	they	they	PRON
fsr-3181	230	20	tend	tend	VERB
fsr-3181	230	21	to	to	PART
fsr-3181	230	22	purchase	purchase	VERB
fsr-3181	230	23	whole	whole	ADJ
fsr-3181	230	24	life	life	NOUN
fsr-3181	230	25	insurance	insurance	NOUN
fsr-3181	230	26	and	and	CCONJ
fsr-3181	230	27	uphold	uphold	VERB
fsr-3181	230	28	sufficient	sufficient	ADJ
fsr-3181	230	29	life	life	NOUN
fsr-3181	230	30	insurance	insurance	NOUN
fsr-3181	230	31	coverage	coverage	NOUN
fsr-3181	230	32	(	(	PUNCT
fsr-3181	230	33	bricker	bricker	NOUN
fsr-3181	230	34	et	et	NOUN
fsr-3181	230	35	al	al	PROPN
fsr-3181	230	36	.	.	PROPN
fsr-3181	230	37	,	,	PUNCT
fsr-3181	230	38	2011	2011	NUM
fsr-3181	230	39	;	;	PUNCT
fsr-3181	230	40	scott	scott	PROPN
fsr-3181	230	41	&	&	CCONJ
fsr-3181	230	42	gilliam	gilliam	PROPN
fsr-3181	230	43	,	,	PUNCT
fsr-3181	230	44	2014	2014	NUM
fsr-3181	230	45	)	)	PUNCT
fsr-3181	230	46	.	.	PUNCT
fsr-3181	231	1	additionally	additionally	ADV
fsr-3181	231	2	,	,	PUNCT
fsr-3181	231	3	table	table	NOUN
fsr-3181	231	4	3	3	NUM
fsr-3181	231	5	reveals	reveal	VERB
fsr-3181	231	6	that	that	SCONJ
fsr-3181	231	7	households	household	NOUN
fsr-3181	231	8	demonstrating	demonstrate	VERB
fsr-3181	231	9	more	more	ADV
fsr-3181	231	10	conservative	conservative	ADJ
fsr-3181	231	11	or	or	CCONJ
fsr-3181	231	12	disciplined	discipline	VERB
fsr-3181	231	13	financial	financial	ADJ
fsr-3181	231	14	behaviors	behavior	NOUN
fsr-3181	231	15	are	be	AUX
fsr-3181	231	16	less	less	ADV
fsr-3181	231	17	likely	likely	ADJ
fsr-3181	231	18	to	to	PART
fsr-3181	231	19	initiate	initiate	VERB
fsr-3181	231	20	or	or	CCONJ
fsr-3181	231	21	increase	increase	VERB
fsr-3181	231	22	term	term	NOUN
fsr-3181	231	23	life	life	NOUN
fsr-3181	231	24	insurance	insurance	NOUN
fsr-3181	231	25	during	during	ADP
fsr-3181	231	26	recessions	recession	NOUN
fsr-3181	231	27	.	.	PUNCT
fsr-3181	232	1	tables	table	NOUN
fsr-3181	232	2	3	3	NUM
fsr-3181	232	3	also	also	ADV
fsr-3181	232	4	shows	show	VERB
fsr-3181	232	5	that	that	SCONJ
fsr-3181	232	6	households	household	NOUN
fsr-3181	232	7	that	that	PRON
fsr-3181	232	8	have	have	AUX
fsr-3181	232	9	opted	opt	VERB
fsr-3181	232	10	to	to	PART
fsr-3181	232	11	invest	invest	VERB
fsr-3181	232	12	less	less	ADJ
fsr-3181	232	13	for	for	ADP
fsr-3181	232	14	the	the	DET
fsr-3181	232	15	long	long	ADJ
fsr-3181	232	16	term	term	NOUN
fsr-3181	232	17	are	be	AUX
fsr-3181	232	18	more	more	ADV
fsr-3181	232	19	likely	likely	ADJ
fsr-3181	232	20	to	to	PART
fsr-3181	232	21	initiate	initiate	VERB
fsr-3181	232	22	or	or	CCONJ
fsr-3181	232	23	increase	increase	VERB
fsr-3181	232	24	term	term	NOUN
fsr-3181	232	25	life	life	NOUN
fsr-3181	232	26	insurance	insurance	NOUN
fsr-3181	232	27	.	.	PUNCT
fsr-3181	233	1	this	this	PRON
fsr-3181	233	2	suggests	suggest	VERB
fsr-3181	233	3	that	that	SCONJ
fsr-3181	233	4	term	term	NOUN
fsr-3181	233	5	life	life	NOUN
fsr-3181	233	6	insurance	insurance	NOUN
fsr-3181	233	7	may	may	AUX
fsr-3181	233	8	not	not	PART
fsr-3181	233	9	be	be	AUX
fsr-3181	233	10	considered	consider	VERB
fsr-3181	233	11	an	an	DET
fsr-3181	233	12	essential	essential	ADJ
fsr-3181	233	13	element	element	NOUN
fsr-3181	233	14	of	of	ADP
fsr-3181	233	15	long	long	ADJ
fsr-3181	233	16	-	-	PUNCT
fsr-3181	233	17	term	term	NOUN
fsr-3181	233	18	household	household	NOUN
fsr-3181	233	19	financial	financial	ADJ
fsr-3181	233	20	planning	planning	NOUN
fsr-3181	233	21	.	.	PUNCT
fsr-3181	234	1	results	result	NOUN
fsr-3181	234	2	for	for	ADP
fsr-3181	234	3	dropped	drop	VERB
fsr-3181	234	4	life	life	NOUN
fsr-3181	234	5	insurance	insurance	NOUN
fsr-3181	234	6	ownership	ownership	NOUN
fsr-3181	234	7	and	and	CCONJ
fsr-3181	234	8	coverage	coverage	NOUN
fsr-3181	234	9	table	table	NOUN
fsr-3181	234	10	5	5	NUM
fsr-3181	234	11	shows	show	VERB
fsr-3181	234	12	the	the	DET
fsr-3181	234	13	results	result	NOUN
fsr-3181	234	14	for	for	ADP
fsr-3181	234	15	dropped	drop	VERB
fsr-3181	234	16	life	life	NOUN
fsr-3181	234	17	insurance	insurance	NOUN
fsr-3181	234	18	ownership	ownership	NOUN
fsr-3181	234	19	.	.	PUNCT
fsr-3181	235	1	it	it	PRON
fsr-3181	235	2	indicates	indicate	VERB
fsr-3181	235	3	that	that	SCONJ
fsr-3181	235	4	households	household	NOUN
fsr-3181	235	5	that	that	PRON
fsr-3181	235	6	have	have	AUX
fsr-3181	235	7	made	make	VERB
fsr-3181	235	8	decisions	decision	NOUN
fsr-3181	235	9	to	to	PART
fsr-3181	235	10	increase	increase	VERB
fsr-3181	235	11	their	their	PRON
fsr-3181	235	12	investment	investment	NOUN
fsr-3181	235	13	in	in	ADP
fsr-3181	235	14	bonds	bond	NOUN
fsr-3181	235	15	are	be	AUX
fsr-3181	235	16	less	less	ADV
fsr-3181	235	17	likely	likely	ADJ
fsr-3181	235	18	to	to	PART
fsr-3181	235	19	decrease	decrease	VERB
fsr-3181	235	20	or	or	CCONJ
fsr-3181	235	21	drop	drop	VERB
fsr-3181	235	22	term	term	NOUN
fsr-3181	235	23	life	life	NOUN
fsr-3181	235	24	insurance	insurance	NOUN
fsr-3181	235	25	during	during	ADP
fsr-3181	235	26	the	the	DET
fsr-3181	235	27	financial	financial	ADJ
fsr-3181	235	28	crisis	crisis	NOUN
fsr-3181	235	29	.	.	PUNCT
fsr-3181	236	1	this	this	PRON
fsr-3181	236	2	suggests	suggest	VERB
fsr-3181	236	3	a	a	DET
fsr-3181	236	4	positive	positive	ADJ
fsr-3181	236	5	relationship	relationship	NOUN
fsr-3181	236	6	between	between	ADP
fsr-3181	236	7	allocating	allocate	VERB
fsr-3181	236	8	more	more	ADJ
fsr-3181	236	9	funds	fund	NOUN
fsr-3181	236	10	to	to	ADP
fsr-3181	236	11	bonds	bond	NOUN
fsr-3181	236	12	and	and	CCONJ
fsr-3181	236	13	the	the	DET
fsr-3181	236	14	ownership	ownership	NOUN
fsr-3181	236	15	of	of	ADP
fsr-3181	236	16	term	term	NOUN
fsr-3181	236	17	life	life	NOUN
fsr-3181	236	18	insurance	insurance	NOUN
fsr-3181	236	19	.	.	PUNCT
fsr-3181	237	1	bonds	bond	NOUN
fsr-3181	237	2	represent	represent	VERB
fsr-3181	237	3	a	a	DET
fsr-3181	237	4	less	less	ADV
fsr-3181	237	5	risky	risky	ADJ
fsr-3181	237	6	investment	investment	NOUN
fsr-3181	237	7	choice	choice	NOUN
fsr-3181	237	8	compared	compare	VERB
fsr-3181	237	9	to	to	ADP
fsr-3181	237	10	stocks	stock	NOUN
fsr-3181	237	11	and	and	CCONJ
fsr-3181	237	12	other	other	ADJ
fsr-3181	237	13	higher	high	ADJ
fsr-3181	237	14	-	-	PUNCT
fsr-3181	237	15	risk	risk	NOUN
fsr-3181	237	16	assets	asset	NOUN
fsr-3181	237	17	.	.	PUNCT
fsr-3181	238	1	households	household	NOUN
fsr-3181	238	2	concentrating	concentrate	VERB
fsr-3181	238	3	on	on	ADP
fsr-3181	238	4	risk	risk	NOUN
fsr-3181	238	5	mitigation	mitigation	NOUN
fsr-3181	238	6	or	or	CCONJ
fsr-3181	238	7	financial	financial	ADJ
fsr-3181	238	8	stability	stability	NOUN
fsr-3181	238	9	might	might	AUX
fsr-3181	238	10	recognize	recognize	VERB
fsr-3181	238	11	the	the	DET
fsr-3181	238	12	value	value	NOUN
fsr-3181	238	13	of	of	ADP
fsr-3181	238	14	maintaining	maintain	VERB
fsr-3181	238	15	term	term	NOUN
fsr-3181	238	16	life	life	NOUN
fsr-3181	238	17	insurance	insurance	NOUN
fsr-3181	238	18	coverage	coverage	NOUN
fsr-3181	238	19	in	in	ADP
fsr-3181	238	20	conjunction	conjunction	NOUN
fsr-3181	238	21	with	with	ADP
fsr-3181	238	22	their	their	PRON
fsr-3181	238	23	bond	bond	NOUN
fsr-3181	238	24	investments	investment	NOUN
fsr-3181	238	25	during	during	ADP
fsr-3181	238	26	periods	period	NOUN
fsr-3181	238	27	of	of	ADP
fsr-3181	238	28	recession	recession	NOUN
fsr-3181	238	29	.	.	PUNCT
fsr-3181	239	1	while	while	SCONJ
fsr-3181	239	2	prior	prior	ADJ
fsr-3181	239	3	studies	study	NOUN
fsr-3181	239	4	find	find	VERB
fsr-3181	239	5	a	a	DET
fsr-3181	239	6	substitution	substitution	NOUN
fsr-3181	239	7	effect	effect	NOUN
fsr-3181	239	8	between	between	ADP
fsr-3181	239	9	term	term	NOUN
fsr-3181	239	10	life	life	NOUN
fsr-3181	239	11	insurance	insurance	NOUN
fsr-3181	239	12	and	and	CCONJ
fsr-3181	239	13	lower	low	ADJ
fsr-3181	239	14	-	-	PUNCT
fsr-3181	239	15	risk	risk	NOUN
fsr-3181	239	16	assets	asset	NOUN
fsr-3181	239	17	like	like	ADP
fsr-3181	239	18	bonds	bond	NOUN
fsr-3181	239	19	(	(	PUNCT
fsr-3181	239	20	fortune	fortune	NOUN
fsr-3181	239	21	,	,	PUNCT
fsr-3181	239	22	1973	1973	NUM
fsr-3181	239	23	;	;	PUNCT
fsr-3181	239	24	hau	hau	NOUN
fsr-3181	239	25	,	,	PUNCT
fsr-3181	239	26	2000	2000	NUM
fsr-3181	239	27	;	;	PUNCT
fsr-3181	239	28	lin	lin	PROPN
fsr-3181	239	29	&	&	CCONJ
fsr-3181	239	30	grace	grace	PROPN
fsr-3181	239	31	,	,	PUNCT
fsr-3181	239	32	2007	2007	NUM
fsr-3181	239	33	)	)	PUNCT
fsr-3181	239	34	,	,	PUNCT
fsr-3181	239	35	our	our	PRON
fsr-3181	239	36	paper	paper	NOUN
fsr-3181	239	37	implies	imply	VERB
fsr-3181	239	38	that	that	SCONJ
fsr-3181	239	39	this	this	DET
fsr-3181	239	40	effect	effect	NOUN
fsr-3181	239	41	may	may	AUX
fsr-3181	239	42	result	result	VERB
fsr-3181	239	43	from	from	ADP
fsr-3181	239	44	passive	passive	ADJ
fsr-3181	239	45	acceptance	acceptance	NOUN
fsr-3181	239	46	of	of	ADP
fsr-3181	239	47	household	household	NOUN
fsr-3181	239	48	portfolio	portfolio	NOUN
fsr-3181	239	49	shifts	shift	NOUN
fsr-3181	239	50	rather	rather	ADV
fsr-3181	239	51	than	than	ADP
fsr-3181	239	52	active	active	ADJ
fsr-3181	239	53	decisionmaking	decisionmaking	NOUN
fsr-3181	239	54	for	for	ADP
fsr-3181	239	55	portfolio	portfolio	NOUN
fsr-3181	239	56	allocation	allocation	NOUN
fsr-3181	239	57	in	in	ADP
fsr-3181	239	58	bonds	bond	NOUN
fsr-3181	239	59	.	.	PUNCT
fsr-3181	240	1	table	table	NOUN
fsr-3181	240	2	5	5	NUM
fsr-3181	240	3	also	also	ADV
fsr-3181	240	4	indicates	indicate	VERB
fsr-3181	240	5	that	that	SCONJ
fsr-3181	240	6	households	household	NOUN
fsr-3181	240	7	might	might	AUX
fsr-3181	240	8	perceive	perceive	VERB
fsr-3181	240	9	a	a	DET
fsr-3181	240	10	reduced	reduced	ADJ
fsr-3181	240	11	need	need	NOUN
fsr-3181	240	12	for	for	ADP
fsr-3181	240	13	term	term	NOUN
fsr-3181	240	14	life	life	NOUN
fsr-3181	240	15	insurance	insurance	NOUN
fsr-3181	240	16	if	if	SCONJ
fsr-3181	240	17	they	they	PRON
fsr-3181	240	18	are	be	AUX
fsr-3181	240	19	investing	invest	VERB
fsr-3181	240	20	less	less	ADJ
fsr-3181	240	21	in	in	ADP
fsr-3181	240	22	retirement	retirement	NOUN
fsr-3181	240	23	assets	asset	NOUN
fsr-3181	240	24	.	.	PUNCT
fsr-3181	241	1	a	a	DET
fsr-3181	241	2	reduction	reduction	NOUN
fsr-3181	241	3	of	of	ADP
fsr-3181	241	4	retirement	retirement	NOUN
fsr-3181	241	5	investments	investment	NOUN
fsr-3181	241	6	might	might	AUX
fsr-3181	241	7	arise	arise	VERB
fsr-3181	241	8	due	due	ADP
fsr-3181	241	9	to	to	ADP
fsr-3181	241	10	budget	budget	NOUN
fsr-3181	241	11	constraints	constraint	NOUN
fsr-3181	241	12	,	,	PUNCT
fsr-3181	241	13	leading	lead	VERB
fsr-3181	241	14	to	to	ADP
fsr-3181	241	15	a	a	DET
fsr-3181	241	16	decline	decline	NOUN
fsr-3181	241	17	in	in	ADP
fsr-3181	241	18	term	term	NOUN
fsr-3181	241	19	life	life	NOUN
fsr-3181	241	20	insurance	insurance	NOUN
fsr-3181	241	21	.	.	PUNCT
fsr-3181	242	1	table	table	NOUN
fsr-3181	242	2	5	5	NUM
fsr-3181	242	3	also	also	ADV
fsr-3181	242	4	shows	show	VERB
fsr-3181	242	5	the	the	DET
fsr-3181	242	6	impact	impact	NOUN
fsr-3181	242	7	of	of	ADP
fsr-3181	242	8	other	other	ADJ
fsr-3181	242	9	financial	financial	ADJ
fsr-3181	242	10	decisions	decision	NOUN
fsr-3181	242	11	made	make	VERB
fsr-3181	242	12	by	by	ADP
fsr-3181	242	13	households	household	NOUN
fsr-3181	242	14	on	on	ADP
fsr-3181	242	15	the	the	DET
fsr-3181	242	16	dropped	drop	VERB
fsr-3181	242	17	life	life	NOUN
fsr-3181	242	18	insurance	insurance	NOUN
fsr-3181	242	19	ownership	ownership	NOUN
fsr-3181	242	20	.	.	PUNCT
fsr-3181	243	1	it	it	PRON
fsr-3181	243	2	reveals	reveal	VERB
fsr-3181	243	3	that	that	SCONJ
fsr-3181	243	4	households	household	NOUN
fsr-3181	243	5	spending	spend	VERB
fsr-3181	243	6	less	less	ADJ
fsr-3181	243	7	are	be	AUX
fsr-3181	243	8	more	more	ADV
fsr-3181	243	9	likely	likely	ADJ
fsr-3181	243	10	to	to	PART
fsr-3181	243	11	drop	drop	VERB
fsr-3181	243	12	or	or	CCONJ
fsr-3181	243	13	reduce	reduce	VERB
fsr-3181	243	14	their	their	PRON
fsr-3181	243	15	existing	exist	VERB
fsr-3181	243	16	whole	whole	ADJ
fsr-3181	243	17	life	life	NOUN
fsr-3181	243	18	insurance	insurance	NOUN
fsr-3181	243	19	.	.	PUNCT
fsr-3181	244	1	this	this	DET
fsr-3181	244	2	relationship	relationship	NOUN
fsr-3181	244	3	can	can	AUX
fsr-3181	244	4	be	be	AUX
fsr-3181	244	5	attributed	attribute	VERB
fsr-3181	244	6	to	to	ADP
fsr-3181	244	7	liquidity	liquidity	NOUN
fsr-3181	244	8	constraints	constraint	NOUN
fsr-3181	244	9	faced	face	VERB
fsr-3181	244	10	by	by	ADP
fsr-3181	244	11	households	household	NOUN
fsr-3181	244	12	(	(	PUNCT
fsr-3181	244	13	bernheim	bernheim	PROPN
fsr-3181	244	14	et	et	PROPN
fsr-3181	244	15	al	al	PROPN
fsr-3181	244	16	.	.	PROPN
fsr-3181	244	17	,	,	PUNCT
fsr-3181	244	18	1999	1999	NUM
fsr-3181	244	19	)	)	PUNCT
fsr-3181	244	20	.	.	PUNCT
fsr-3181	245	1	as	as	SCONJ
fsr-3181	245	2	households	household	NOUN
fsr-3181	245	3	have	have	AUX
fsr-3181	245	4	tightened	tighten	VERB
fsr-3181	245	5	their	their	PRON
fsr-3181	245	6	budgets	budget	NOUN
fsr-3181	245	7	and	and	CCONJ
fsr-3181	245	8	prioritized	prioritize	VERB
fsr-3181	245	9	essential	essential	ADJ
fsr-3181	245	10	expenses	expense	NOUN
fsr-3181	245	11	during	during	ADP
fsr-3181	245	12	economic	economic	ADJ
fsr-3181	245	13	recessions	recession	NOUN
fsr-3181	245	14	,	,	PUNCT
fsr-3181	245	15	they	they	PRON
fsr-3181	245	16	may	may	AUX
fsr-3181	245	17	consider	consider	VERB
fsr-3181	245	18	their	their	PRON
fsr-3181	245	19	current	current	ADJ
fsr-3181	245	20	whole	whole	ADJ
fsr-3181	245	21	life	life	NOUN
fsr-3181	245	22	insurance	insurance	NOUN
fsr-3181	245	23	as	as	ADP
fsr-3181	245	24	an	an	DET
fsr-3181	245	25	option	option	NOUN
fsr-3181	245	26	for	for	ADP
fsr-3181	245	27	cost	cost	NOUN
fsr-3181	245	28	reduction	reduction	NOUN
fsr-3181	245	29	.	.	PUNCT
fsr-3181	246	1	the	the	DET
fsr-3181	246	2	cash	cash	NOUN
fsr-3181	246	3	value	value	NOUN
fsr-3181	246	4	component	component	NOUN
fsr-3181	246	5	of	of	ADP
fsr-3181	246	6	whole	whole	ADJ
fsr-3181	246	7	life	life	NOUN
fsr-3181	246	8	insurance	insurance	NOUN
fsr-3181	246	9	can	can	AUX
fsr-3181	246	10	also	also	ADV
fsr-3181	246	11	serve	serve	VERB
fsr-3181	246	12	as	as	ADP
fsr-3181	246	13	an	an	DET
fsr-3181	246	14	asset	asset	NOUN
fsr-3181	246	15	that	that	PRON
fsr-3181	246	16	can	can	AUX
fsr-3181	246	17	be	be	AUX
fsr-3181	246	18	accessed	access	VERB
fsr-3181	246	19	during	during	ADP
fsr-3181	246	20	recessions	recession	NOUN
fsr-3181	246	21	.	.	PUNCT
fsr-3181	247	1	consequently	consequently	ADV
fsr-3181	247	2	,	,	PUNCT
fsr-3181	247	3	they	they	PRON
fsr-3181	247	4	may	may	AUX
fsr-3181	247	5	choose	choose	VERB
fsr-3181	247	6	to	to	PART
fsr-3181	247	7	reduce	reduce	VERB
fsr-3181	247	8	or	or	CCONJ
fsr-3181	247	9	terminate	terminate	VERB
fsr-3181	247	10	whole	whole	ADJ
fsr-3181	247	11	life	life	NOUN
fsr-3181	247	12	insurance	insurance	NOUN
fsr-3181	247	13	,	,	PUNCT
fsr-3181	247	14	or	or	CCONJ
fsr-3181	247	15	borrow	borrow	VERB
fsr-3181	247	16	the	the	DET
fsr-3181	247	17	cash	cash	NOUN
fsr-3181	247	18	value	value	NOUN
fsr-3181	247	19	(	(	PUNCT
fsr-3181	247	20	cole	cole	PROPN
fsr-3181	247	21	&	&	CCONJ
fsr-3181	247	22	fire	fire	NOUN
fsr-3181	247	23	,	,	PUNCT
fsr-3181	247	24	2021	2021	NUM
fsr-3181	247	25	)	)	PUNCT
fsr-3181	247	26	.	.	PUNCT
fsr-3181	248	1	additionally	additionally	ADV
fsr-3181	248	2	,	,	PUNCT
fsr-3181	248	3	table	table	NOUN
fsr-3181	248	4	5	5	NUM
fsr-3181	248	5	shows	show	VERB
fsr-3181	248	6	that	that	SCONJ
fsr-3181	248	7	households	household	NOUN
fsr-3181	248	8	that	that	PRON
fsr-3181	248	9	have	have	AUX
fsr-3181	248	10	made	make	VERB
fsr-3181	248	11	decisions	decision	NOUN
fsr-3181	248	12	to	to	PART
fsr-3181	248	13	invest	invest	VERB
fsr-3181	248	14	less	less	ADJ
fsr-3181	248	15	for	for	ADP
fsr-3181	248	16	the	the	DET
fsr-3181	248	17	long	long	ADJ
fsr-3181	248	18	term	term	NOUN
fsr-3181	248	19	are	be	AUX
fsr-3181	248	20	less	less	ADV
fsr-3181	248	21	likely	likely	ADJ
fsr-3181	248	22	to	to	PART
fsr-3181	248	23	drop	drop	VERB
fsr-3181	248	24	or	or	CCONJ
fsr-3181	248	25	reduce	reduce	VERB
fsr-3181	248	26	term	term	NOUN
fsr-3181	248	27	life	life	NOUN
fsr-3181	248	28	insurance	insurance	NOUN
fsr-3181	248	29	.	.	PUNCT
fsr-3181	249	1	furthermore	furthermore	ADV
fsr-3181	249	2	,	,	PUNCT
fsr-3181	249	3	these	these	DET
fsr-3181	249	4	households	household	NOUN
fsr-3181	249	5	tend	tend	VERB
fsr-3181	249	6	to	to	PART
fsr-3181	249	7	drop	drop	VERB
fsr-3181	249	8	or	or	CCONJ
fsr-3181	249	9	reduce	reduce	VERB
fsr-3181	249	10	significantly	significantly	ADV
fsr-3181	249	11	more	more	ADJ
fsr-3181	249	12	term	term	NOUN
fsr-3181	249	13	life	life	NOUN
fsr-3181	249	14	insurance	insurance	NOUN
fsr-3181	249	15	coverage	coverage	NOUN
fsr-3181	249	16	than	than	ADP
fsr-3181	249	17	other	other	ADJ
fsr-3181	249	18	households	household	NOUN
fsr-3181	249	19	once	once	SCONJ
fsr-3181	249	20	they	they	PRON
fsr-3181	249	21	have	have	AUX
fsr-3181	249	22	made	make	VERB
fsr-3181	249	23	decisions	decision	NOUN
fsr-3181	249	24	to	to	PART
fsr-3181	249	25	drop	drop	VERB
fsr-3181	249	26	,	,	PUNCT
fsr-3181	249	27	as	as	SCONJ
fsr-3181	249	28	indicated	indicate	VERB
fsr-3181	249	29	in	in	ADP
fsr-3181	249	30	table	table	NOUN
fsr-3181	249	31	6	6	NUM
fsr-3181	249	32	.	.	PUNCT
fsr-3181	250	1	this	this	DET
fsr-3181	250	2	finding	finding	NOUN
fsr-3181	250	3	can	can	AUX
fsr-3181	250	4	be	be	AUX
fsr-3181	250	5	attributed	attribute	VERB
fsr-3181	250	6	to	to	ADP
fsr-3181	250	7	a	a	DET
fsr-3181	250	8	lower	low	ADJ
fsr-3181	250	9	level	level	NOUN
fsr-3181	250	10	of	of	ADP
fsr-3181	250	11	familiarity	familiarity	NOUN
fsr-3181	250	12	and	and	CCONJ
fsr-3181	250	13	engagement	engagement	NOUN
fsr-3181	250	14	with	with	ADP
fsr-3181	250	15	financial	financial	ADJ
fsr-3181	250	16	markets	market	NOUN
fsr-3181	250	17	among	among	ADP
fsr-3181	250	18	households	household	NOUN
fsr-3181	250	19	that	that	PRON
fsr-3181	250	20	lack	lack	VERB
fsr-3181	250	21	long	long	ADJ
fsr-3181	250	22	-	-	PUNCT
fsr-3181	250	23	term	term	NOUN
fsr-3181	250	24	financial	financial	ADJ
fsr-3181	250	25	planning	planning	NOUN
fsr-3181	250	26	(	(	PUNCT
fsr-3181	250	27	luciano	luciano	PROPN
fsr-3181	250	28	et	et	PROPN
fsr-3181	250	29	al	al	PROPN
fsr-3181	250	30	.	.	PROPN
fsr-3181	250	31	,	,	PUNCT
fsr-3181	250	32	2016	2016	NUM
fsr-3181	250	33	)	)	PUNCT
fsr-3181	250	34	.	.	PUNCT
fsr-3181	251	1	financial	financial	ADJ
fsr-3181	251	2	services	services	PROPN
fsr-3181	251	3	review	review	PROPN
fsr-3181	251	4	,	,	PUNCT
fsr-3181	251	5	32(1	32(1	NUM
fsr-3181	251	6	)	)	PUNCT
fsr-3181	251	7	14	14	NUM
fsr-3181	251	8	table	table	NOUN
fsr-3181	251	9	3	3	NUM
fsr-3181	251	10	.	.	NOUN
fsr-3181	251	11	results	result	NOUN
fsr-3181	251	12	for	for	ADP
fsr-3181	251	13	new	new	ADJ
fsr-3181	251	14	life	life	NOUN
fsr-3181	251	15	insurance	insurance	NOUN
fsr-3181	251	16	ownership	ownership	NOUN
fsr-3181	251	17	dependent	dependent	ADJ
fsr-3181	251	18	variable	variable	ADJ
fsr-3181	251	19	newincrterm	newincrterm	NOUN
fsr-3181	251	20	newincrwhole	newincrwhole	NOUN
fsr-3181	251	21	independent	independent	ADJ
fsr-3181	251	22	variables	variable	NOUN
fsr-3181	251	23	coefficient	coefficient	NOUN
fsr-3181	251	24	estimate	estimate	VERB
fsr-3181	251	25	standard	standard	ADJ
fsr-3181	251	26	error	error	NOUN
fsr-3181	251	27	coefficient	coefficient	NOUN
fsr-3181	251	28	estimate	estimate	VERB
fsr-3181	251	29	standard	standard	ADJ
fsr-3181	251	30	error	error	NOUN
fsr-3181	251	31	invmorecash	invmorecash	NOUN
fsr-3181	251	32	-0.4109	-0.4109	VERB
fsr-3181	251	33	0.1878	0.1878	NUM
fsr-3181	252	1	*	*	PUNCT
fsr-3181	252	2	*	*	PUNCT
fsr-3181	252	3	-0.0569	-0.0569	PROPN
fsr-3181	252	4	0.1807	0.1807	NUM
fsr-3181	252	5	invmorebonds	invmorebond	VERB
fsr-3181	252	6	0.2112	0.2112	NUM
fsr-3181	252	7	0.2064	0.2064	NUM
fsr-3181	252	8	-0.2030	-0.2030	NOUN
fsr-3181	252	9	0.2323	0.2323	NUM
fsr-3181	252	10	invlessstock	invlessstock	NOUN
fsr-3181	252	11	-0.0853	-0.0853	NOUN
fsr-3181	252	12	0.1271	0.1271	NUM
fsr-3181	252	13	0.1238	0.1238	NUM
fsr-3181	252	14	0.1294	0.1294	NUM
fsr-3181	252	15	invmorera	invmorera	NOUN
fsr-3181	252	16	0.3857	0.3857	NUM
fsr-3181	252	17	0.1932	0.1932	NUM
fsr-3181	252	18	*	*	PUNCT
fsr-3181	252	19	*	*	PUNCT
fsr-3181	253	1	-0.4559	-0.4559	X
fsr-3181	254	1	0.2747	0.2747	NUM
fsr-3181	254	2	*	*	PUNCT
fsr-3181	254	3	paydebt	paydebt	PROPN
fsr-3181	254	4	0.3035	0.3035	NUM
fsr-3181	254	5	0.1642	0.1642	NUM
fsr-3181	254	6	*	*	PUNCT
fsr-3181	254	7	spendless	spendless	NOUN
fsr-3181	254	8	0.1529	0.1529	NUM
fsr-3181	254	9	0.0666	0.0666	NUM
fsr-3181	254	10	*	*	PUNCT
fsr-3181	254	11	*	*	PUNCT
fsr-3181	254	12	moreriskaver	moreriskaver	NOUN
fsr-3181	254	13	-0.1422	-0.1422	NOUN
fsr-3181	254	14	0.0796	0.0796	NUM
fsr-3181	254	15	*	*	PUNCT
fsr-3181	254	16	-0.0932	-0.0932	NOUN
fsr-3181	254	17	0.0835	0.0835	NUM
fsr-3181	254	18	invlesslong	invlesslong	VERB
fsr-3181	254	19	0.3415	0.3415	NUM
fsr-3181	254	20	0.1809	0.1809	NUM
fsr-3181	254	21	*	*	PUNCT
fsr-3181	254	22	-0.3390	-0.3390	PROPN
fsr-3181	255	1	0.2268	0.2268	NUM
fsr-3181	255	2	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	255	3	0.4188	0.4188	NUM
fsr-3181	255	4	0.0556	0.0556	NUM
fsr-3181	255	5	*	*	PUNCT
fsr-3181	255	6	*	*	PUNCT
fsr-3181	255	7	*	*	NOUN
fsr-3181	255	8	dropdecrterm	dropdecrterm	NOUN
fsr-3181	255	9	0.3553	0.3553	NUM
fsr-3181	255	10	0.0517	0.0517	NUM
fsr-3181	255	11	*	*	PUNCT
fsr-3181	255	12	*	*	PUNCT
fsr-3181	255	13	*	*	PUNCT
fsr-3181	255	14	work	work	NOUN
fsr-3181	255	15	0.1409	0.1409	NUM
fsr-3181	255	16	0.0645	0.0645	NUM
fsr-3181	256	1	*	*	PUNCT
fsr-3181	256	2	*	*	PUNCT
fsr-3181	256	3	-0.0135	-0.0135	NOUN
fsr-3181	256	4	0.0694	0.0694	NUM
fsr-3181	256	5	lnincome	lnincome	NOUN
fsr-3181	256	6	-0.0095	-0.0095	NOUN
fsr-3181	257	1	0.0147	0.0147	NUM
fsr-3181	257	2	0.0175	0.0175	NUM
fsr-3181	257	3	0.0165	0.0165	NUM
fsr-3181	257	4	lnnetworth	lnnetworth	NOUN
fsr-3181	257	5	-0.0041	-0.0041	NOUN
fsr-3181	257	6	0.0082	0.0082	NUM
fsr-3181	257	7	0.0411	0.0411	NUM
fsr-3181	257	8	0.0107	0.0107	NUM
fsr-3181	257	9	*	*	PUNCT
fsr-3181	258	1	*	*	PUNCT
fsr-3181	258	2	*	*	PUNCT
fsr-3181	258	3	married	married	ADJ
fsr-3181	258	4	0.1455	0.1455	NUM
fsr-3181	258	5	0.0551	0.0551	NUM
fsr-3181	259	1	*	*	PUNCT
fsr-3181	259	2	*	*	PUNCT
fsr-3181	259	3	*	*	PUNCT
fsr-3181	259	4	0.0113	0.0113	NUM
fsr-3181	259	5	0.0608	0.0608	NUM
fsr-3181	259	6	risk	risk	NOUN
fsr-3181	259	7	-0.1051	-0.1051	VERB
fsr-3181	259	8	0.0569	0.0569	NUM
fsr-3181	260	1	*	*	PUNCT
fsr-3181	260	2	-0.0210	-0.0210	PROPN
fsr-3181	260	3	0.0633	0.0633	NUM
fsr-3181	260	4	stockshare	stockshare	NOUN
fsr-3181	260	5	-0.0007	-0.0007	VERB
fsr-3181	260	6	0.0011	0.0011	NUM
fsr-3181	260	7	-0.0041	-0.0041	NOUN
fsr-3181	260	8	0.0021	0.0021	NUM
fsr-3181	260	9	*	*	PUNCT
fsr-3181	260	10	age3549	age3549	PROPN
fsr-3181	260	11	0.0216	0.0216	NUM
fsr-3181	260	12	0.0707	0.0707	NUM
fsr-3181	260	13	0.0816	0.0816	NUM
fsr-3181	260	14	0.0883	0.0883	NUM
fsr-3181	260	15	age5064	age5064	NOUN
fsr-3181	260	16	-0.2609	-0.2609	NOUN
fsr-3181	260	17	0.0765	0.0765	NUM
fsr-3181	260	18	*	*	PUNCT
fsr-3181	260	19	*	*	PUNCT
fsr-3181	260	20	*	*	PUNCT
fsr-3181	260	21	0.1391	0.1391	NUM
fsr-3181	260	22	0.0919	0.0919	NUM
fsr-3181	260	23	age65	age65	NOUN
fsr-3181	260	24	_	_	NOUN
fsr-3181	260	25	-0.5752	-0.5752	X
fsr-3181	261	1	0.0961	0.0961	NUM
fsr-3181	261	2	*	*	PUNCT
fsr-3181	261	3	*	*	PUNCT
fsr-3181	262	1	*	*	PUNCT
fsr-3181	262	2	0.2936	0.2936	NUM
fsr-3181	263	1	0.1080	0.1080	NUM
fsr-3181	263	2	*	*	PUNCT
fsr-3181	263	3	*	*	PUNCT
fsr-3181	263	4	*	*	PUNCT
fsr-3181	263	5	kid	kid	NOUN
fsr-3181	263	6	-0.0149	-0.0149	NOUN
fsr-3181	263	7	0.0207	0.0207	NUM
fsr-3181	263	8	-0.0076	-0.0076	NOUN
fsr-3181	263	9	0.0237	0.0237	NUM
fsr-3181	263	10	white	white	NOUN
fsr-3181	263	11	0.0856	0.0856	NUM
fsr-3181	263	12	0.0571	0.0571	NUM
fsr-3181	263	13	-0.0710	-0.0710	NOUN
fsr-3181	263	14	0.0643	0.0643	NUM
fsr-3181	263	15	college	college	NOUN
fsr-3181	263	16	0.0471	0.0471	NOUN
fsr-3181	263	17	0.0526	0.0526	NUM
fsr-3181	264	1	0.0585	0.0585	NUM
fsr-3181	264	2	0.0587	0.0587	NUM
fsr-3181	264	3	homeowner	homeowner	NOUN
fsr-3181	264	4	0.1681	0.1681	NUM
fsr-3181	264	5	0.0695	0.0695	NUM
fsr-3181	264	6	*	*	PUNCT
fsr-3181	264	7	*	*	PUNCT
fsr-3181	264	8	0.0909	0.0909	NUM
fsr-3181	264	9	0.0799	0.0799	NUM
fsr-3181	264	10	intercept	intercept	NOUN
fsr-3181	264	11	-0.7018	-0.7018	NOUN
fsr-3181	264	12	0.1543	0.1543	NUM
fsr-3181	264	13	*	*	PUNCT
fsr-3181	264	14	*	*	PUNCT
fsr-3181	264	15	*	*	NOUN
fsr-3181	264	16	-1.9193	-1.9193	NOUN
fsr-3181	264	17	0.1743	0.1743	NUM
fsr-3181	264	18	*	*	PUNCT
fsr-3181	264	19	*	*	PUNCT
fsr-3181	264	20	*	*	VERB
fsr-3181	264	21	observations	observation	NOUN
fsr-3181	264	22	3857	3857	NUM
fsr-3181	264	23	3857	3857	NUM
fsr-3181	264	24	pseudo	pseudo	NOUN
fsr-3181	264	25	r	r	NOUN
fsr-3181	264	26	-	-	PUNCT
fsr-3181	264	27	square	square	ADJ
fsr-3181	264	28	0.057	0.057	NUM
fsr-3181	264	29	0.043	0.043	NUM
fsr-3181	264	30	wald	wald	NOUN
fsr-3181	264	31	exogeneity	exogeneity	NOUN
fsr-3181	264	32	test	test	NOUN
fsr-3181	264	33	0.541	0.541	NUM
fsr-3181	264	34	0.555	0.555	NUM
fsr-3181	264	35	regression	regression	NOUN
fsr-3181	264	36	models	model	NOUN
fsr-3181	264	37	(	(	PUNCT
fsr-3181	264	38	1	1	NUM
fsr-3181	264	39	)	)	PUNCT
fsr-3181	264	40	(	(	PUNCT
fsr-3181	264	41	2	2	X
fsr-3181	264	42	)	)	PUNCT
fsr-3181	264	43	note	note	NOUN
fsr-3181	264	44	1	1	NUM
fsr-3181	264	45	:	:	PUNCT
fsr-3181	264	46	the	the	DET
fsr-3181	264	47	model	model	NOUN
fsr-3181	264	48	for	for	ADP
fsr-3181	264	49	each	each	DET
fsr-3181	264	50	type	type	NOUN
fsr-3181	264	51	of	of	ADP
fsr-3181	264	52	life	life	NOUN
fsr-3181	264	53	insurance	insurance	NOUN
fsr-3181	264	54	is	be	AUX
fsr-3181	264	55	a	a	DET
fsr-3181	264	56	probit	probit	NOUN
fsr-3181	264	57	based	base	VERB
fsr-3181	264	58	on	on	ADP
fsr-3181	264	59	the	the	DET
fsr-3181	264	60	full	full	ADJ
fsr-3181	264	61	sample	sample	NOUN
fsr-3181	264	62	.	.	PUNCT
fsr-3181	265	1	we	we	PRON
fsr-3181	265	2	reported	report	VERB
fsr-3181	265	3	the	the	DET
fsr-3181	265	4	probit	probit	NOUN
fsr-3181	265	5	results	result	NOUN
fsr-3181	265	6	here	here	ADV
fsr-3181	265	7	,	,	PUNCT
fsr-3181	265	8	as	as	SCONJ
fsr-3181	265	9	the	the	DET
fsr-3181	265	10	wald	wald	NOUN
fsr-3181	265	11	test	test	NOUN
fsr-3181	265	12	for	for	ADP
fsr-3181	265	13	exogeneity	exogeneity	NOUN
fsr-3181	265	14	is	be	AUX
fsr-3181	265	15	not	not	PART
fsr-3181	265	16	rejected	reject	VERB
fsr-3181	265	17	.	.	PUNCT
fsr-3181	266	1	note	note	VERB
fsr-3181	266	2	2	2	NUM
fsr-3181	266	3	:	:	PUNCT
fsr-3181	266	4	variables	variable	NOUN
fsr-3181	266	5	definitions	definition	NOUN
fsr-3181	266	6	and	and	CCONJ
fsr-3181	266	7	summary	summary	NOUN
fsr-3181	266	8	statistics	statistic	NOUN
fsr-3181	266	9	in	in	ADP
fsr-3181	266	10	these	these	DET
fsr-3181	266	11	two	two	NUM
fsr-3181	266	12	regressions	regression	NOUN
fsr-3181	266	13	were	be	AUX
fsr-3181	266	14	listed	list	VERB
fsr-3181	266	15	in	in	ADP
fsr-3181	266	16	table	table	NOUN
fsr-3181	266	17	1	1	NUM
fsr-3181	266	18	.	.	PUNCT
fsr-3181	267	1	note	note	VERB
fsr-3181	267	2	3	3	NUM
fsr-3181	267	3	:	:	PUNCT
fsr-3181	267	4	statistical	statistical	ADJ
fsr-3181	267	5	significance	significance	NOUN
fsr-3181	267	6	at	at	ADP
fsr-3181	267	7	the	the	DET
fsr-3181	267	8	1	1	NUM
fsr-3181	267	9	,	,	PUNCT
fsr-3181	267	10	5	5	NUM
fsr-3181	267	11	,	,	PUNCT
fsr-3181	267	12	and	and	CCONJ
fsr-3181	267	13	10	10	NUM
fsr-3181	267	14	percent	percent	NOUN
fsr-3181	267	15	levels	level	NOUN
fsr-3181	267	16	is	be	AUX
fsr-3181	267	17	denoted	denote	VERB
fsr-3181	267	18	by	by	ADP
fsr-3181	267	19	*	*	PROPN
fsr-3181	267	20	*	*	PUNCT
fsr-3181	267	21	*	*	PUNCT
fsr-3181	267	22	,	,	PUNCT
fsr-3181	267	23	*	*	PUNCT
fsr-3181	267	24	*	*	PUNCT
fsr-3181	267	25	and	and	CCONJ
fsr-3181	267	26	*	*	ADJ
fsr-3181	267	27	,	,	PUNCT
fsr-3181	267	28	respectively	respectively	ADV
fsr-3181	267	29	.	.	PUNCT
fsr-3181	268	1	wang	wang	PROPN
fsr-3181	268	2	et	et	PROPN
fsr-3181	268	3	al	al	PROPN
fsr-3181	268	4	.	.	PROPN
fsr-3181	268	5	15	15	NUM
fsr-3181	268	6	table	table	NOUN
fsr-3181	268	7	4	4	NUM
fsr-3181	268	8	.	.	PUNCT
fsr-3181	268	9	results	result	NOUN
fsr-3181	268	10	for	for	ADP
fsr-3181	268	11	new	new	ADJ
fsr-3181	268	12	life	life	NOUN
fsr-3181	268	13	insurance	insurance	NOUN
fsr-3181	268	14	coverage	coverage	NOUN
fsr-3181	268	15	dependent	dependent	ADJ
fsr-3181	268	16	variable	variable	ADJ
fsr-3181	268	17	lnnewincrterm	lnnewincrterm	NOUN
fsr-3181	268	18	lnnewincrwhole	lnnewincrwhole	NOUN
fsr-3181	268	19	independent	independent	ADJ
fsr-3181	268	20	variables	variable	NOUN
fsr-3181	268	21	coefficient	coefficient	NOUN
fsr-3181	268	22	estimate	estimate	VERB
fsr-3181	268	23	standard	standard	ADJ
fsr-3181	268	24	error	error	NOUN
fsr-3181	268	25	coefficient	coefficient	NOUN
fsr-3181	268	26	estimate	estimate	VERB
fsr-3181	269	1	standard	standard	ADJ
fsr-3181	269	2	error	error	NOUN
fsr-3181	269	3	invmorecash	invmorecash	NOUN
fsr-3181	269	4	-0.2925	-0.2925	X
fsr-3181	270	1	0.4126	0.4126	NUM
fsr-3181	270	2	-0.0189	-0.0189	NOUN
fsr-3181	270	3	0.5600	0.5600	NUM
fsr-3181	270	4	invmorebonds	invmorebond	VERB
fsr-3181	270	5	0.4328	0.4328	NUM
fsr-3181	270	6	0.3656	0.3656	NUM
fsr-3181	270	7	1.0510	1.0510	NUM
fsr-3181	270	8	0.7432	0.7432	NUM
fsr-3181	270	9	invlessstock	invlessstock	NOUN
fsr-3181	270	10	0.0919	0.0919	NUM
fsr-3181	270	11	0.2502	0.2502	NUM
fsr-3181	270	12	-0.3983	-0.3983	NOUN
fsr-3181	271	1	0.3908	0.3908	NUM
fsr-3181	271	2	invmorera	invmorera	NOUN
fsr-3181	271	3	0.5878	0.5878	NUM
fsr-3181	271	4	0.3175	0.3175	NUM
fsr-3181	272	1	*	*	PUNCT
fsr-3181	272	2	0.3033	0.3033	NUM
fsr-3181	272	3	0.9882	0.9882	NUM
fsr-3181	272	4	paydebt	paydebt	NOUN
fsr-3181	272	5	-0.4682	-0.4682	NOUN
fsr-3181	272	6	0.4601	0.4601	NUM
fsr-3181	272	7	spendless	spendless	NOUN
fsr-3181	272	8	-0.2011	-0.2011	NOUN
fsr-3181	273	1	0.2088	0.2088	NUM
fsr-3181	273	2	moreriskaver	moreriskaver	VERB
fsr-3181	273	3	0.0213	0.0213	NUM
fsr-3181	273	4	0.1562	0.1562	NUM
fsr-3181	273	5	0.0094	0.0094	NUM
fsr-3181	273	6	0.2550	0.2550	NUM
fsr-3181	273	7	invlesslong	invlesslong	PROPN
fsr-3181	273	8	-0.1420	-0.1420	ADJ
fsr-3181	273	9	0.3072	0.3072	NUM
fsr-3181	273	10	-0.8170	-0.8170	NOUN
fsr-3181	273	11	0.7599	0.7599	NUM
fsr-3181	273	12	lndropdecrwhole	lndropdecrwhole	NOUN
fsr-3181	273	13	0.0550	0.0550	NUM
fsr-3181	273	14	0.0084	0.0084	NUM
fsr-3181	273	15	*	*	PUNCT
fsr-3181	273	16	*	*	PUNCT
fsr-3181	273	17	*	*	X
fsr-3181	273	18	lndropdecrterm	lndropdecrterm	PROPN
fsr-3181	273	19	0.0137	0.0137	NUM
fsr-3181	273	20	0.0127	0.0127	NUM
fsr-3181	273	21	work	work	NOUN
fsr-3181	273	22	0.5749	0.5749	NUM
fsr-3181	273	23	0.1329	0.1329	NUM
fsr-3181	274	1	*	*	PUNCT
fsr-3181	275	1	*	*	PUNCT
fsr-3181	275	2	*	*	PUNCT
fsr-3181	275	3	0.2486	0.2486	NUM
fsr-3181	275	4	0.2131	0.2131	NUM
fsr-3181	275	5	lnincome	lnincome	NOUN
fsr-3181	275	6	0.3164	0.3164	NUM
fsr-3181	275	7	0.0331	0.0331	NUM
fsr-3181	275	8	*	*	PUNCT
fsr-3181	275	9	*	*	PUNCT
fsr-3181	275	10	*	*	PUNCT
fsr-3181	275	11	0.3464	0.3464	NUM
fsr-3181	275	12	0.0468	0.0468	NUM
fsr-3181	275	13	*	*	PUNCT
fsr-3181	275	14	*	*	PUNCT
fsr-3181	275	15	*	*	PUNCT
fsr-3181	275	16	lnnetworth	lnnetworth	NOUN
fsr-3181	275	17	0.0663	0.0663	NUM
fsr-3181	275	18	0.0163	0.0163	NUM
fsr-3181	275	19	*	*	PUNCT
fsr-3181	275	20	*	*	PUNCT
fsr-3181	275	21	*	*	PUNCT
fsr-3181	275	22	0.1678	0.1678	NUM
fsr-3181	275	23	0.0332	0.0332	NUM
fsr-3181	275	24	*	*	PUNCT
fsr-3181	275	25	*	*	PUNCT
fsr-3181	275	26	*	*	PUNCT
fsr-3181	275	27	married	marry	VERB
fsr-3181	275	28	0.7232	0.7232	NUM
fsr-3181	275	29	0.1082	0.1082	NUM
fsr-3181	276	1	*	*	PUNCT
fsr-3181	276	2	*	*	PUNCT
fsr-3181	276	3	*	*	PUNCT
fsr-3181	276	4	0.5705	0.5705	NUM
fsr-3181	276	5	0.1927	0.1927	NUM
fsr-3181	276	6	*	*	PUNCT
fsr-3181	276	7	*	*	PUNCT
fsr-3181	276	8	*	*	PUNCT
fsr-3181	276	9	risk	risk	NOUN
fsr-3181	276	10	-0.2905	-0.2905	VERB
fsr-3181	276	11	0.1154	0.1154	NUM
fsr-3181	276	12	*	*	PUNCT
fsr-3181	277	1	*	*	PUNCT
fsr-3181	277	2	0.0113	0.0113	NUM
fsr-3181	277	3	0.2017	0.2017	NUM
fsr-3181	277	4	stockshare	stockshare	NOUN
fsr-3181	277	5	0.0038	0.0038	NUM
fsr-3181	277	6	0.0031	0.0031	NUM
fsr-3181	277	7	-0.0090	-0.0090	NOUN
fsr-3181	277	8	0.0069	0.0069	NUM
fsr-3181	277	9	age3549	age3549	NOUN
fsr-3181	277	10	-0.0292	-0.0292	NOUN
fsr-3181	277	11	0.1314	0.1314	NUM
fsr-3181	277	12	-0.9426	-0.9426	NOUN
fsr-3181	278	1	0.3117	0.3117	NUM
fsr-3181	279	1	*	*	PUNCT
fsr-3181	279	2	*	*	PUNCT
fsr-3181	279	3	*	*	PUNCT
fsr-3181	279	4	age5064	age5064	NOUN
fsr-3181	279	5	-0.5671	-0.5671	NOUN
fsr-3181	279	6	0.1416	0.1416	NUM
fsr-3181	280	1	*	*	PUNCT
fsr-3181	280	2	*	*	PUNCT
fsr-3181	280	3	*	*	PUNCT
fsr-3181	280	4	-1.4542	-1.4542	NOUN
fsr-3181	280	5	0.3255	0.3255	NUM
fsr-3181	280	6	*	*	PUNCT
fsr-3181	280	7	*	*	PUNCT
fsr-3181	280	8	*	*	PUNCT
fsr-3181	280	9	age65	age65	PROPN
fsr-3181	280	10	_	_	PRON
fsr-3181	280	11	-1.0423	-1.0423	NOUN
fsr-3181	280	12	0.1895	0.1895	NUM
fsr-3181	281	1	*	*	PUNCT
fsr-3181	281	2	*	*	PUNCT
fsr-3181	281	3	*	*	PUNCT
fsr-3181	281	4	-1.9376	-1.9376	NOUN
fsr-3181	281	5	0.3672	0.3672	NUM
fsr-3181	281	6	*	*	PUNCT
fsr-3181	281	7	*	*	PUNCT
fsr-3181	281	8	*	*	X
fsr-3181	281	9	kid	kid	NOUN
fsr-3181	281	10	0.0722	0.0722	NUM
fsr-3181	281	11	0.0403	0.0403	NUM
fsr-3181	281	12	*	*	PUNCT
fsr-3181	281	13	0.1033	0.1033	NUM
fsr-3181	281	14	0.0750	0.0750	NUM
fsr-3181	281	15	white	white	ADJ
fsr-3181	281	16	-0.0369	-0.0369	NOUN
fsr-3181	281	17	0.1107	0.1107	NUM
fsr-3181	281	18	-0.2393	-0.2393	NOUN
fsr-3181	281	19	0.2045	0.2045	NUM
fsr-3181	281	20	college	college	NOUN
fsr-3181	281	21	0.1792	0.1792	NUM
fsr-3181	281	22	0.0985	0.0985	NUM
fsr-3181	282	1	*	*	PUNCT
fsr-3181	282	2	*	*	PUNCT
fsr-3181	282	3	0.2785	0.2785	NUM
fsr-3181	282	4	0.1886	0.1886	NUM
fsr-3181	282	5	homeowner	homeowner	NOUN
fsr-3181	282	6	-0.2024	-0.2024	NOUN
fsr-3181	282	7	0.1320	0.1320	NUM
fsr-3181	282	8	-0.4381	-0.4381	NOUN
fsr-3181	282	9	0.2580	0.2580	NUM
fsr-3181	282	10	*	*	PUNCT
fsr-3181	282	11	intercept	intercept	VERB
fsr-3181	282	12	6.2106	6.2106	NUM
fsr-3181	282	13	0.3415	0.3415	NUM
fsr-3181	282	14	*	*	PUNCT
fsr-3181	283	1	*	*	PUNCT
fsr-3181	283	2	*	*	X
fsr-3181	283	3	5.6857	5.6857	NUM
fsr-3181	283	4	0.5477	0.5477	NUM
fsr-3181	283	5	*	*	PUNCT
fsr-3181	283	6	*	*	PUNCT
fsr-3181	283	7	*	*	VERB
fsr-3181	283	8	observations	observation	NOUN
fsr-3181	283	9	1078	1078	NUM
fsr-3181	283	10	700	700	NUM
fsr-3181	283	11	subsamples	subsample	NOUN
fsr-3181	283	12	newincrterm	newincrterm	ADJ
fsr-3181	283	13	=	=	SYM
fsr-3181	283	14	1	1	NUM
fsr-3181	283	15	newincrwhole	newincrwhole	NOUN
fsr-3181	283	16	=	=	SYM
fsr-3181	283	17	1	1	NUM
fsr-3181	283	18	wald	wald	NOUN
fsr-3181	283	19	exogeneity	exogeneity	NOUN
fsr-3181	283	20	test	test	VERB
fsr-3181	283	21	0.861	0.861	NUM
fsr-3181	283	22	0.219	0.219	NUM
fsr-3181	283	23	regression	regression	NOUN
fsr-3181	283	24	models	model	NOUN
fsr-3181	283	25	(	(	PUNCT
fsr-3181	283	26	5	5	NUM
fsr-3181	283	27	)	)	PUNCT
fsr-3181	283	28	(	(	PUNCT
fsr-3181	283	29	6	6	X
fsr-3181	283	30	)	)	PUNCT
fsr-3181	283	31	note	note	NOUN
fsr-3181	283	32	1	1	NUM
fsr-3181	283	33	:	:	PUNCT
fsr-3181	283	34	the	the	DET
fsr-3181	283	35	model	model	NOUN
fsr-3181	283	36	for	for	ADP
fsr-3181	283	37	each	each	DET
fsr-3181	283	38	type	type	NOUN
fsr-3181	283	39	of	of	ADP
fsr-3181	283	40	life	life	NOUN
fsr-3181	283	41	insurance	insurance	NOUN
fsr-3181	283	42	is	be	AUX
fsr-3181	283	43	a	a	DET
fsr-3181	283	44	truncated	truncated	ADJ
fsr-3181	283	45	regression	regression	NOUN
fsr-3181	283	46	,	,	PUNCT
fsr-3181	283	47	based	base	VERB
fsr-3181	283	48	on	on	ADP
fsr-3181	283	49	the	the	DET
fsr-3181	283	50	subsample	subsample	NOUN
fsr-3181	283	51	of	of	ADP
fsr-3181	283	52	households	household	NOUN
fsr-3181	283	53	with	with	ADP
fsr-3181	283	54	new	new	ADJ
fsr-3181	283	55	policies	policy	NOUN
fsr-3181	283	56	.	.	PUNCT
fsr-3181	284	1	we	we	PRON
fsr-3181	284	2	reported	report	VERB
fsr-3181	284	3	the	the	DET
fsr-3181	284	4	truncated	truncate	VERB
fsr-3181	284	5	results	result	NOUN
fsr-3181	284	6	here	here	ADV
fsr-3181	284	7	,	,	PUNCT
fsr-3181	284	8	as	as	SCONJ
fsr-3181	284	9	the	the	DET
fsr-3181	284	10	wald	wald	NOUN
fsr-3181	284	11	test	test	NOUN
fsr-3181	284	12	for	for	ADP
fsr-3181	284	13	exogeneity	exogeneity	NOUN
fsr-3181	284	14	is	be	AUX
fsr-3181	284	15	not	not	PART
fsr-3181	284	16	rejected	reject	VERB
fsr-3181	284	17	.	.	PUNCT
fsr-3181	285	1	note	note	VERB
fsr-3181	285	2	2	2	NUM
fsr-3181	285	3	:	:	PUNCT
fsr-3181	285	4	these	these	DET
fsr-3181	285	5	variables	variable	NOUN
fsr-3181	285	6	were	be	AUX
fsr-3181	285	7	defined	define	VERB
fsr-3181	285	8	in	in	ADP
fsr-3181	285	9	tables	table	NOUN
fsr-3181	285	10	1	1	NUM
fsr-3181	285	11	and	and	CCONJ
fsr-3181	285	12	2	2	NUM
fsr-3181	285	13	.	.	X
fsr-3181	286	1	summary	summary	NOUN
fsr-3181	286	2	statistics	statistic	NOUN
fsr-3181	286	3	was	be	AUX
fsr-3181	286	4	reported	report	VERB
fsr-3181	286	5	in	in	ADP
fsr-3181	286	6	table	table	NOUN
fsr-3181	286	7	2	2	NUM
fsr-3181	286	8	.	.	PUNCT
fsr-3181	286	9	note	note	VERB
fsr-3181	286	10	3	3	NUM
fsr-3181	286	11	:	:	PUNCT
fsr-3181	286	12	statistical	statistical	ADJ
fsr-3181	286	13	significance	significance	NOUN
fsr-3181	286	14	at	at	ADP
fsr-3181	286	15	the	the	DET
fsr-3181	286	16	1	1	NUM
fsr-3181	286	17	,	,	PUNCT
fsr-3181	286	18	5	5	NUM
fsr-3181	286	19	,	,	PUNCT
fsr-3181	286	20	and	and	CCONJ
fsr-3181	286	21	10	10	NUM
fsr-3181	286	22	percent	percent	NOUN
fsr-3181	286	23	levels	level	NOUN
fsr-3181	286	24	is	be	AUX
fsr-3181	286	25	denoted	denote	VERB
fsr-3181	286	26	by	by	ADP
fsr-3181	286	27	*	*	PROPN
fsr-3181	286	28	*	*	PUNCT
fsr-3181	286	29	*	*	PUNCT
fsr-3181	286	30	,	,	PUNCT
fsr-3181	286	31	*	*	PUNCT
fsr-3181	286	32	*	*	PUNCT
fsr-3181	286	33	and	and	CCONJ
fsr-3181	286	34	*	*	ADJ
fsr-3181	286	35	,	,	PUNCT
fsr-3181	286	36	respectively	respectively	ADV
fsr-3181	286	37	.	.	PUNCT
fsr-3181	287	1	financial	financial	ADJ
fsr-3181	287	2	services	service	NOUN
fsr-3181	287	3	review	review	PROPN
fsr-3181	287	4	,	,	PUNCT
fsr-3181	287	5	32(1	32(1	NUM
fsr-3181	287	6	)	)	PUNCT
fsr-3181	287	7	16	16	NUM
fsr-3181	287	8	table	table	NOUN
fsr-3181	287	9	5	5	NUM
fsr-3181	287	10	.	.	PUNCT
fsr-3181	287	11	results	result	NOUN
fsr-3181	287	12	for	for	ADP
fsr-3181	287	13	dropped	drop	VERB
fsr-3181	287	14	life	life	NOUN
fsr-3181	287	15	insurance	insurance	NOUN
fsr-3181	287	16	ownership	ownership	NOUN
fsr-3181	287	17	dependent	dependent	ADJ
fsr-3181	287	18	variable	variable	ADJ
fsr-3181	287	19	dropdecrterm	dropdecrterm	NOUN
fsr-3181	287	20	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	287	21	independent	independent	ADJ
fsr-3181	287	22	variables	variable	NOUN
fsr-3181	287	23	coefficient	coefficient	NOUN
fsr-3181	287	24	estimate	estimate	VERB
fsr-3181	287	25	standard	standard	ADJ
fsr-3181	287	26	error	error	NOUN
fsr-3181	287	27	coefficient	coefficient	NOUN
fsr-3181	287	28	estimate	estimate	VERB
fsr-3181	287	29	standard	standard	ADJ
fsr-3181	287	30	error	error	NOUN
fsr-3181	287	31	invmorecash	invmorecash	NOUN
fsr-3181	287	32	-0.0600	-0.0600	NOUN
fsr-3181	287	33	0.1688	0.1688	NUM
fsr-3181	287	34	0.1154	0.1154	NUM
fsr-3181	287	35	0.1714	0.1714	NUM
fsr-3181	287	36	invmorebonds	invmorebond	NOUN
fsr-3181	287	37	-0.3818	-0.3818	VERB
fsr-3181	288	1	0.2244	0.2244	NUM
fsr-3181	288	2	*	*	PUNCT
fsr-3181	288	3	0.1549	0.1549	NUM
fsr-3181	288	4	0.2080	0.2080	NUM
fsr-3181	288	5	invlessstock	invlessstock	NOUN
fsr-3181	288	6	-0.0467	-0.0467	NOUN
fsr-3181	288	7	0.1245	0.1245	NUM
fsr-3181	288	8	-0.0124	-0.0124	NUM
fsr-3181	289	1	0.1303	0.1303	NUM
fsr-3181	289	2	invlessra	invlessra	ADJ
fsr-3181	289	3	0.3744	0.3744	NUM
fsr-3181	289	4	0.1886	0.1886	NUM
fsr-3181	289	5	*	*	PUNCT
fsr-3181	289	6	*	*	PUNCT
fsr-3181	289	7	-0.3394	-0.3394	NOUN
fsr-3181	289	8	0.2527	0.2527	NUM
fsr-3181	289	9	paydebt	paydebt	PROPN
fsr-3181	289	10	-0.0707	-0.0707	NOUN
fsr-3181	289	11	0.1832	0.1832	NUM
fsr-3181	289	12	spendless	spendless	NOUN
fsr-3181	289	13	0.1514	0.1514	NUM
fsr-3181	289	14	0.0676	0.0676	NUM
fsr-3181	289	15	*	*	PUNCT
fsr-3181	289	16	*	*	PUNCT
fsr-3181	289	17	invlesslong	invlesslong	PROPN
fsr-3181	289	18	-0.3908	-0.3908	PROPN
fsr-3181	290	1	0.2046	0.2046	NUM
fsr-3181	290	2	*	*	PUNCT
fsr-3181	290	3	-0.0986	-0.0986	NOUN
fsr-3181	290	4	0.1988	0.1988	NUM
fsr-3181	290	5	newincrwhole	newincrwhole	NOUN
fsr-3181	290	6	0.3724	0.3724	NUM
fsr-3181	290	7	0.0549	0.0549	NUM
fsr-3181	291	1	*	*	PUNCT
fsr-3181	291	2	*	*	PUNCT
fsr-3181	291	3	*	*	PUNCT
fsr-3181	291	4	newincrterm	newincrterm	VERB
fsr-3181	291	5	0.4085	0.4085	NUM
fsr-3181	291	6	0.0529	0.0529	NUM
fsr-3181	291	7	*	*	PUNCT
fsr-3181	291	8	*	*	PUNCT
fsr-3181	291	9	*	*	PUNCT
fsr-3181	291	10	work	work	VERB
fsr-3181	291	11	0.2817	0.2817	NUM
fsr-3181	291	12	0.0637	0.0637	NUM
fsr-3181	291	13	*	*	PUNCT
fsr-3181	291	14	*	*	PUNCT
fsr-3181	291	15	*	*	VERB
fsr-3181	291	16	-0.0808	-0.0808	NOUN
fsr-3181	291	17	0.0693	0.0693	NUM
fsr-3181	291	18	lnincome	lnincome	NOUN
fsr-3181	291	19	-0.0031	-0.0031	NOUN
fsr-3181	291	20	0.0145	0.0145	NUM
fsr-3181	291	21	0.0116	0.0116	NUM
fsr-3181	291	22	0.0163	0.0163	NUM
fsr-3181	291	23	lnnetworth	lnnetworth	NOUN
fsr-3181	291	24	-0.0104	-0.0104	NOUN
fsr-3181	291	25	0.0083	0.0083	NUM
fsr-3181	291	26	0.0333	0.0333	NUM
fsr-3181	292	1	0.0109	0.0109	NUM
fsr-3181	292	2	*	*	PUNCT
fsr-3181	292	3	*	*	PUNCT
fsr-3181	292	4	*	*	PUNCT
fsr-3181	292	5	married	marry	VERB
fsr-3181	292	6	0.1878	0.1878	NUM
fsr-3181	292	7	0.0546	0.0546	NUM
fsr-3181	292	8	*	*	PUNCT
fsr-3181	292	9	*	*	PUNCT
fsr-3181	292	10	*	*	PUNCT
fsr-3181	293	1	0.1645	0.1645	NUM
fsr-3181	293	2	0.0628	0.0628	NUM
fsr-3181	294	1	*	*	PUNCT
fsr-3181	294	2	*	*	PUNCT
fsr-3181	294	3	*	*	PUNCT
fsr-3181	294	4	risk	risk	NOUN
fsr-3181	294	5	0.0212	0.0212	NUM
fsr-3181	294	6	0.0561	0.0561	NUM
fsr-3181	294	7	-0.2369	-0.2369	VERB
fsr-3181	294	8	0.0662	0.0662	NUM
fsr-3181	294	9	*	*	PUNCT
fsr-3181	295	1	*	*	PUNCT
fsr-3181	295	2	*	*	PUNCT
fsr-3181	295	3	stockshare	stockshare	NOUN
fsr-3181	295	4	0.0004	0.0004	NUM
fsr-3181	295	5	0.0006	0.0006	NUM
fsr-3181	295	6	-0.0011	-0.0011	X
fsr-3181	296	1	0.0019	0.0019	NUM
fsr-3181	296	2	age3549	age3549	NOUN
fsr-3181	296	3	0.1153	0.1153	NUM
fsr-3181	296	4	0.0736	0.0736	NUM
fsr-3181	296	5	0.0069	0.0069	NUM
fsr-3181	296	6	0.0914	0.0914	NUM
fsr-3181	296	7	age5064	age5064	NOUN
fsr-3181	296	8	0.3058	0.3058	NUM
fsr-3181	296	9	0.0775	0.0775	NUM
fsr-3181	296	10	*	*	PUNCT
fsr-3181	296	11	*	*	PUNCT
fsr-3181	296	12	*	*	PUNCT
fsr-3181	296	13	0.3206	0.3206	NUM
fsr-3181	296	14	0.0934	0.0934	NUM
fsr-3181	296	15	*	*	PUNCT
fsr-3181	296	16	*	*	PUNCT
fsr-3181	296	17	*	*	PUNCT
fsr-3181	296	18	age65	age65	PROPN
fsr-3181	296	19	_	_	NOUN
fsr-3181	296	20	0.0555	0.0555	NUM
fsr-3181	296	21	0.0954	0.0954	NUM
fsr-3181	296	22	0.4174	0.4174	NUM
fsr-3181	296	23	0.1105	0.1105	NUM
fsr-3181	296	24	*	*	PUNCT
fsr-3181	296	25	*	*	PUNCT
fsr-3181	296	26	*	*	X
fsr-3181	296	27	kid	kid	NOUN
fsr-3181	296	28	0.0047	0.0047	NUM
fsr-3181	296	29	0.0208	0.0208	NUM
fsr-3181	296	30	0.0546	0.0546	NUM
fsr-3181	296	31	0.0235	0.0235	NUM
fsr-3181	296	32	*	*	PUNCT
fsr-3181	296	33	*	*	PUNCT
fsr-3181	296	34	white	white	ADJ
fsr-3181	296	35	-0.0403	-0.0403	NOUN
fsr-3181	296	36	0.0565	0.0565	NUM
fsr-3181	296	37	0.0018	0.0018	NUM
fsr-3181	296	38	0.0669	0.0669	NUM
fsr-3181	296	39	college	college	NOUN
fsr-3181	296	40	0.0935	0.0935	NUM
fsr-3181	296	41	0.0523	0.0523	NUM
fsr-3181	296	42	*	*	PUNCT
fsr-3181	296	43	0.0386	0.0386	NUM
fsr-3181	296	44	0.0592	0.0592	NUM
fsr-3181	296	45	homeowner	homeowner	NOUN
fsr-3181	296	46	0.1488	0.1488	NUM
fsr-3181	296	47	0.0693	0.0693	NUM
fsr-3181	296	48	*	*	PUNCT
fsr-3181	296	49	*	*	PUNCT
fsr-3181	296	50	0.1504	0.1504	NUM
fsr-3181	296	51	0.0828	0.0828	NUM
fsr-3181	296	52	*	*	PUNCT
fsr-3181	296	53	intercept	intercept	NOUN
fsr-3181	296	54	-1.1260	-1.1260	NOUN
fsr-3181	296	55	0.1530	0.1530	NUM
fsr-3181	296	56	*	*	PUNCT
fsr-3181	296	57	*	*	PUNCT
fsr-3181	296	58	*	*	PUNCT
fsr-3181	296	59	-1.9970	-1.9970	X
fsr-3181	296	60	0.1742	0.1742	NUM
fsr-3181	296	61	*	*	PUNCT
fsr-3181	296	62	*	*	PUNCT
fsr-3181	296	63	*	*	VERB
fsr-3181	296	64	observations	observation	NOUN
fsr-3181	296	65	3857	3857	NUM
fsr-3181	296	66	3857	3857	NUM
fsr-3181	296	67	pseudo	pseudo	NOUN
fsr-3181	296	68	r	r	NOUN
fsr-3181	296	69	-	-	PUNCT
fsr-3181	296	70	square	square	NOUN
fsr-3181	296	71	0.044	0.044	NUM
fsr-3181	296	72	0.069	0.069	NUM
fsr-3181	296	73	wald	wald	NOUN
fsr-3181	296	74	exogeneity	exogeneity	NOUN
fsr-3181	296	75	test	test	VERB
fsr-3181	296	76	0.520	0.520	NUM
fsr-3181	296	77	0.864	0.864	NUM
fsr-3181	296	78	regression	regression	NOUN
fsr-3181	296	79	models	model	NOUN
fsr-3181	296	80	(	(	PUNCT
fsr-3181	296	81	3	3	NUM
fsr-3181	296	82	)	)	PUNCT
fsr-3181	296	83	(	(	PUNCT
fsr-3181	296	84	4	4	X
fsr-3181	296	85	)	)	PUNCT
fsr-3181	296	86	note	note	NOUN
fsr-3181	296	87	1	1	NUM
fsr-3181	296	88	:	:	PUNCT
fsr-3181	296	89	the	the	DET
fsr-3181	296	90	model	model	NOUN
fsr-3181	296	91	for	for	ADP
fsr-3181	296	92	each	each	DET
fsr-3181	296	93	type	type	NOUN
fsr-3181	296	94	of	of	ADP
fsr-3181	296	95	life	life	NOUN
fsr-3181	296	96	insurance	insurance	NOUN
fsr-3181	296	97	is	be	AUX
fsr-3181	296	98	a	a	DET
fsr-3181	296	99	probit	probit	NOUN
fsr-3181	296	100	regression	regression	NOUN
fsr-3181	296	101	to	to	PART
fsr-3181	296	102	examine	examine	VERB
fsr-3181	296	103	the	the	DET
fsr-3181	296	104	determinants	determinant	NOUN
fsr-3181	296	105	of	of	ADP
fsr-3181	296	106	dropped	drop	VERB
fsr-3181	296	107	policy	policy	NOUN
fsr-3181	296	108	ownership	ownership	NOUN
fsr-3181	296	109	status	status	NOUN
fsr-3181	296	110	based	base	VERB
fsr-3181	296	111	on	on	ADP
fsr-3181	296	112	the	the	DET
fsr-3181	296	113	full	full	ADJ
fsr-3181	296	114	sample	sample	NOUN
fsr-3181	296	115	.	.	PUNCT
fsr-3181	297	1	we	we	PRON
fsr-3181	297	2	reported	report	VERB
fsr-3181	297	3	the	the	DET
fsr-3181	297	4	probit	probit	NOUN
fsr-3181	297	5	results	result	NOUN
fsr-3181	297	6	here	here	ADV
fsr-3181	297	7	,	,	PUNCT
fsr-3181	297	8	as	as	SCONJ
fsr-3181	297	9	the	the	DET
fsr-3181	297	10	wald	wald	NOUN
fsr-3181	297	11	test	test	NOUN
fsr-3181	297	12	for	for	ADP
fsr-3181	297	13	exogeneity	exogeneity	NOUN
fsr-3181	297	14	is	be	AUX
fsr-3181	297	15	not	not	PART
fsr-3181	297	16	rejected	reject	VERB
fsr-3181	297	17	.	.	PUNCT
fsr-3181	298	1	note	note	VERB
fsr-3181	298	2	2	2	NUM
fsr-3181	298	3	:	:	PUNCT
fsr-3181	298	4	variables	variable	NOUN
fsr-3181	298	5	definitions	definition	NOUN
fsr-3181	298	6	and	and	CCONJ
fsr-3181	298	7	summary	summary	NOUN
fsr-3181	298	8	statistics	statistic	NOUN
fsr-3181	298	9	in	in	ADP
fsr-3181	298	10	these	these	DET
fsr-3181	298	11	two	two	NUM
fsr-3181	298	12	regressions	regression	NOUN
fsr-3181	298	13	were	be	AUX
fsr-3181	298	14	listed	list	VERB
fsr-3181	298	15	in	in	ADP
fsr-3181	298	16	table	table	NOUN
fsr-3181	298	17	1	1	NUM
fsr-3181	298	18	.	.	PUNCT
fsr-3181	299	1	note	note	VERB
fsr-3181	299	2	3	3	NUM
fsr-3181	299	3	:	:	PUNCT
fsr-3181	299	4	statistical	statistical	ADJ
fsr-3181	299	5	significance	significance	NOUN
fsr-3181	299	6	at	at	ADP
fsr-3181	299	7	the	the	DET
fsr-3181	299	8	1	1	NUM
fsr-3181	299	9	,	,	PUNCT
fsr-3181	299	10	5	5	NUM
fsr-3181	299	11	,	,	PUNCT
fsr-3181	299	12	and	and	CCONJ
fsr-3181	299	13	10	10	NUM
fsr-3181	299	14	percent	percent	NOUN
fsr-3181	299	15	levels	level	NOUN
fsr-3181	299	16	is	be	AUX
fsr-3181	299	17	denoted	denote	VERB
fsr-3181	299	18	by	by	ADP
fsr-3181	299	19	*	*	PROPN
fsr-3181	299	20	*	*	PUNCT
fsr-3181	299	21	*	*	PUNCT
fsr-3181	299	22	,	,	PUNCT
fsr-3181	299	23	*	*	PUNCT
fsr-3181	299	24	*	*	PUNCT
fsr-3181	299	25	and	and	CCONJ
fsr-3181	299	26	*	*	ADJ
fsr-3181	299	27	,	,	PUNCT
fsr-3181	299	28	respectively	respectively	ADV
fsr-3181	299	29	.	.	PUNCT
fsr-3181	300	1	wang	wang	PROPN
fsr-3181	300	2	et	et	PROPN
fsr-3181	300	3	al	al	PROPN
fsr-3181	300	4	.	.	PROPN
fsr-3181	300	5	17	17	NUM
fsr-3181	300	6	table	table	NOUN
fsr-3181	300	7	6	6	NUM
fsr-3181	300	8	.	.	PUNCT
fsr-3181	300	9	results	result	NOUN
fsr-3181	300	10	for	for	ADP
fsr-3181	300	11	dropped	drop	VERB
fsr-3181	300	12	life	life	NOUN
fsr-3181	300	13	insurance	insurance	NOUN
fsr-3181	300	14	coverage	coverage	NOUN
fsr-3181	300	15	dependent	dependent	ADJ
fsr-3181	300	16	variable	variable	ADJ
fsr-3181	300	17	lndropdecrterm	lndropdecrterm	PROPN
fsr-3181	300	18	lndropdecrwhole	lndropdecrwhole	ADJ
fsr-3181	300	19	independent	independent	ADJ
fsr-3181	300	20	variables	variable	NOUN
fsr-3181	300	21	coefficient	coefficient	NOUN
fsr-3181	300	22	estimate	estimate	VERB
fsr-3181	300	23	standard	standard	ADJ
fsr-3181	300	24	error	error	NOUN
fsr-3181	300	25	coefficient	coefficient	NOUN
fsr-3181	300	26	estimate	estimate	VERB
fsr-3181	300	27	standard	standard	ADJ
fsr-3181	300	28	error	error	NOUN
fsr-3181	300	29	invmorecash	invmorecash	NOUN
fsr-3181	300	30	-0.3747	-0.3747	VERB
fsr-3181	300	31	0.3349	0.3349	NUM
fsr-3181	300	32	-0.1317	-0.1317	NOUN
fsr-3181	300	33	0.4902	0.4902	NUM
fsr-3181	300	34	invmorebonds	invmorebond	NOUN
fsr-3181	300	35	-0.1010	-0.1010	ADP
fsr-3181	300	36	0.4960	0.4960	NUM
fsr-3181	300	37	-0.5793	-0.5793	NOUN
fsr-3181	300	38	0.5468	0.5468	NUM
fsr-3181	300	39	invlessstock	invlessstock	NOUN
fsr-3181	300	40	-0.1350	-0.1350	VERB
fsr-3181	300	41	0.2465	0.2465	NUM
fsr-3181	300	42	0.4601	0.4601	NUM
fsr-3181	300	43	0.3697	0.3697	NUM
fsr-3181	300	44	invlessra	invlessra	ADJ
fsr-3181	300	45	0.0263	0.0263	NUM
fsr-3181	300	46	0.3165	0.3165	NUM
fsr-3181	300	47	-0.3573	-0.3573	NOUN
fsr-3181	301	1	0.8963	0.8963	NUM
fsr-3181	301	2	paydebt	paydebt	NOUN
fsr-3181	301	3	0.3427	0.3427	NUM
fsr-3181	301	4	0.5738	0.5738	NUM
fsr-3181	301	5	spendless	spendless	NOUN
fsr-3181	301	6	-0.1017	-0.1017	NOUN
fsr-3181	301	7	0.2027	0.2027	NUM
fsr-3181	301	8	invlesslong	invlesslong	VERB
fsr-3181	301	9	1.4451	1.4451	NUM
fsr-3181	301	10	0.4570	0.4570	NUM
fsr-3181	301	11	*	*	PUNCT
fsr-3181	301	12	*	*	PUNCT
fsr-3181	301	13	*	*	PUNCT
fsr-3181	301	14	0.3396	0.3396	NUM
fsr-3181	301	15	0.5768	0.5768	NUM
fsr-3181	301	16	lnnewincrwhole	lnnewincrwhole	NOUN
fsr-3181	301	17	0.0298	0.0298	NUM
fsr-3181	301	18	0.0087	0.0087	NUM
fsr-3181	301	19	*	*	PUNCT
fsr-3181	301	20	*	*	PUNCT
fsr-3181	301	21	*	*	PUNCT
fsr-3181	301	22	lnnewincrterm	lnnewincrterm	NOUN
fsr-3181	301	23	0.0567	0.0567	NUM
fsr-3181	301	24	0.0125	0.0125	NUM
fsr-3181	301	25	*	*	PUNCT
fsr-3181	301	26	*	*	PUNCT
fsr-3181	301	27	*	*	PUNCT
fsr-3181	301	28	work	work	VERB
fsr-3181	301	29	0.2246	0.2246	NUM
fsr-3181	301	30	0.1361	0.1361	NUM
fsr-3181	301	31	*	*	PUNCT
fsr-3181	302	1	0.4849	0.4849	NUM
fsr-3181	302	2	0.2052	0.2052	NUM
fsr-3181	302	3	*	*	PUNCT
fsr-3181	303	1	*	*	PUNCT
fsr-3181	303	2	lnincome	lnincome	NOUN
fsr-3181	303	3	0.3002	0.3002	NUM
fsr-3181	303	4	0.0295	0.0295	NUM
fsr-3181	303	5	0.2311	0.2311	NUM
fsr-3181	303	6	0.0493	0.0493	NUM
fsr-3181	303	7	*	*	PUNCT
fsr-3181	303	8	*	*	PUNCT
fsr-3181	303	9	*	*	PUNCT
fsr-3181	303	10	lnnetworth	lnnetworth	NOUN
fsr-3181	303	11	0.1222	0.1222	NUM
fsr-3181	303	12	0.0172	0.0172	NUM
fsr-3181	303	13	*	*	PUNCT
fsr-3181	303	14	*	*	PUNCT
fsr-3181	303	15	*	*	PUNCT
fsr-3181	303	16	0.2518	0.2518	NUM
fsr-3181	303	17	0.0364	0.0364	NUM
fsr-3181	303	18	*	*	PUNCT
fsr-3181	303	19	*	*	PUNCT
fsr-3181	303	20	*	*	PUNCT
fsr-3181	303	21	married	married	ADJ
fsr-3181	303	22	0.4033	0.4033	NUM
fsr-3181	303	23	0.1134	0.1134	NUM
fsr-3181	303	24	*	*	PUNCT
fsr-3181	303	25	*	*	PUNCT
fsr-3181	303	26	*	*	PUNCT
fsr-3181	303	27	0.4452	0.4452	NUM
fsr-3181	303	28	0.2052	0.2052	NUM
fsr-3181	303	29	*	*	PUNCT
fsr-3181	303	30	*	*	PUNCT
fsr-3181	303	31	risk	risk	NOUN
fsr-3181	303	32	-0.2903	-0.2903	NOUN
fsr-3181	303	33	0.1111	0.1111	NUM
fsr-3181	304	1	*	*	PUNCT
fsr-3181	304	2	*	*	PUNCT
fsr-3181	304	3	*	*	PUNCT
fsr-3181	304	4	0.1514	0.1514	NUM
fsr-3181	304	5	0.2114	0.2114	NUM
fsr-3181	304	6	stockshare	stockshare	NOUN
fsr-3181	304	7	-0.0001	-0.0001	NOUN
fsr-3181	304	8	0.0006	0.0006	NUM
fsr-3181	304	9	-0.0002	-0.0002	NOUN
fsr-3181	304	10	0.0059	0.0059	NUM
fsr-3181	304	11	age3549	age3549	PROPN
fsr-3181	304	12	-0.5806	-0.5806	NOUN
fsr-3181	304	13	0.1579	0.1579	NUM
fsr-3181	304	14	*	*	PUNCT
fsr-3181	304	15	*	*	PUNCT
fsr-3181	304	16	*	*	PUNCT
fsr-3181	304	17	-0.5270	-0.5270	X
fsr-3181	304	18	0.3059	0.3059	NUM
fsr-3181	304	19	*	*	PUNCT
fsr-3181	304	20	age5064	age5064	PROPN
fsr-3181	304	21	-0.5850	-0.5850	VERB
fsr-3181	304	22	0.1624	0.1624	NUM
fsr-3181	304	23	*	*	PUNCT
fsr-3181	304	24	*	*	PUNCT
fsr-3181	304	25	*	*	PUNCT
fsr-3181	304	26	-0.9374	-0.9374	NOUN
fsr-3181	304	27	0.3079	0.3079	NUM
fsr-3181	305	1	*	*	PUNCT
fsr-3181	305	2	*	*	PUNCT
fsr-3181	305	3	*	*	PUNCT
fsr-3181	305	4	age65	age65	PROPN
fsr-3181	305	5	_	_	PRON
fsr-3181	305	6	-1.3084	-1.3084	NOUN
fsr-3181	306	1	0.2002	0.2002	PRON
fsr-3181	307	1	*	*	PUNCT
fsr-3181	307	2	*	*	PUNCT
fsr-3181	307	3	*	*	PUNCT
fsr-3181	307	4	-1.1187	-1.1187	NOUN
fsr-3181	308	1	0.3514	0.3514	NUM
fsr-3181	308	2	*	*	PUNCT
fsr-3181	308	3	*	*	PUNCT
fsr-3181	308	4	*	*	NOUN
fsr-3181	308	5	kid	kid	NOUN
fsr-3181	308	6	0.1496	0.1496	NUM
fsr-3181	308	7	0.0416	0.0416	NUM
fsr-3181	308	8	*	*	PUNCT
fsr-3181	308	9	*	*	PUNCT
fsr-3181	308	10	*	*	PUNCT
fsr-3181	308	11	0.0820	0.0820	NUM
fsr-3181	308	12	0.0743	0.0743	NUM
fsr-3181	308	13	white	white	ADJ
fsr-3181	308	14	-0.0638	-0.0638	NOUN
fsr-3181	308	15	0.1097	0.1097	NUM
fsr-3181	308	16	-0.4781	-0.4781	VERB
fsr-3181	308	17	0.2161	0.2161	NUM
fsr-3181	308	18	*	*	PUNCT
fsr-3181	308	19	*	*	PUNCT
fsr-3181	308	20	college	college	NOUN
fsr-3181	308	21	0.4972	0.4972	NUM
fsr-3181	308	22	0.1043	0.1043	NUM
fsr-3181	308	23	*	*	PUNCT
fsr-3181	309	1	*	*	PUNCT
fsr-3181	309	2	*	*	PUNCT
fsr-3181	309	3	0.1054	0.1054	NUM
fsr-3181	309	4	0.1774	0.1774	NUM
fsr-3181	309	5	homeowner	homeowner	NOUN
fsr-3181	309	6	0.0331	0.0331	NUM
fsr-3181	309	7	0.1434	0.1434	NUM
fsr-3181	309	8	-0.2345	-0.2345	NOUN
fsr-3181	309	9	0.2819	0.2819	NUM
fsr-3181	309	10	intercept	intercept	VERB
fsr-3181	309	11	6.1824	6.1824	NUM
fsr-3181	309	12	0.3201	0.3201	NUM
fsr-3181	309	13	*	*	PUNCT
fsr-3181	309	14	*	*	PUNCT
fsr-3181	309	15	*	*	PUNCT
fsr-3181	310	1	5.1278	5.1278	NUM
fsr-3181	310	2	0.5338	0.5338	NUM
fsr-3181	310	3	*	*	PUNCT
fsr-3181	310	4	*	*	PUNCT
fsr-3181	310	5	*	*	VERB
fsr-3181	310	6	observations	observation	NOUN
fsr-3181	310	7	1103	1103	NUM
fsr-3181	310	8	724	724	NUM
fsr-3181	310	9	subsamples	subsample	NOUN
fsr-3181	310	10	dropdecrterm	dropdecrterm	NOUN
fsr-3181	310	11	=	=	SYM
fsr-3181	310	12	1	1	NUM
fsr-3181	310	13	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	310	14	=	=	SYM
fsr-3181	310	15	1	1	NUM
fsr-3181	310	16	wald	wald	NOUN
fsr-3181	310	17	exogeneity	exogeneity	NOUN
fsr-3181	310	18	test	test	NOUN
fsr-3181	310	19	0.841	0.841	NUM
fsr-3181	310	20	0.59	0.59	NUM
fsr-3181	310	21	regression	regression	NOUN
fsr-3181	310	22	models	model	NOUN
fsr-3181	310	23	(	(	PUNCT
fsr-3181	310	24	7	7	NUM
fsr-3181	310	25	)	)	PUNCT
fsr-3181	310	26	(	(	PUNCT
fsr-3181	310	27	8)	8)	NUM
fsr-3181	310	28	note	note	NOUN
fsr-3181	310	29	1	1	NUM
fsr-3181	310	30	:	:	PUNCT
fsr-3181	310	31	the	the	DET
fsr-3181	310	32	model	model	NOUN
fsr-3181	310	33	for	for	ADP
fsr-3181	310	34	each	each	DET
fsr-3181	310	35	type	type	NOUN
fsr-3181	310	36	of	of	ADP
fsr-3181	310	37	life	life	NOUN
fsr-3181	310	38	insurance	insurance	NOUN
fsr-3181	310	39	is	be	AUX
fsr-3181	310	40	a	a	DET
fsr-3181	310	41	truncated	truncated	ADJ
fsr-3181	310	42	regression	regression	NOUN
fsr-3181	310	43	to	to	PART
fsr-3181	310	44	examine	examine	VERB
fsr-3181	310	45	the	the	DET
fsr-3181	310	46	determinants	determinant	NOUN
fsr-3181	310	47	of	of	ADP
fsr-3181	310	48	dropped	drop	VERB
fsr-3181	310	49	policy	policy	NOUN
fsr-3181	310	50	coverage	coverage	NOUN
fsr-3181	310	51	,	,	PUNCT
fsr-3181	310	52	based	base	VERB
fsr-3181	310	53	on	on	ADP
fsr-3181	310	54	the	the	DET
fsr-3181	310	55	subsample	subsample	NOUN
fsr-3181	310	56	of	of	ADP
fsr-3181	310	57	households	household	NOUN
fsr-3181	310	58	with	with	ADP
fsr-3181	310	59	dropped	drop	VERB
fsr-3181	310	60	policies	policy	NOUN
fsr-3181	310	61	.	.	PUNCT
fsr-3181	311	1	we	we	PRON
fsr-3181	311	2	reported	report	VERB
fsr-3181	311	3	the	the	DET
fsr-3181	311	4	truncated	truncate	VERB
fsr-3181	311	5	results	result	NOUN
fsr-3181	311	6	here	here	ADV
fsr-3181	311	7	,	,	PUNCT
fsr-3181	311	8	as	as	SCONJ
fsr-3181	311	9	the	the	DET
fsr-3181	311	10	wald	wald	NOUN
fsr-3181	311	11	test	test	NOUN
fsr-3181	311	12	for	for	ADP
fsr-3181	311	13	exogeneity	exogeneity	NOUN
fsr-3181	311	14	is	be	AUX
fsr-3181	311	15	not	not	PART
fsr-3181	311	16	rejected	reject	VERB
fsr-3181	311	17	.	.	PUNCT
fsr-3181	312	1	note	note	VERB
fsr-3181	312	2	2	2	NUM
fsr-3181	312	3	:	:	PUNCT
fsr-3181	312	4	these	these	DET
fsr-3181	312	5	variables	variable	NOUN
fsr-3181	312	6	were	be	AUX
fsr-3181	312	7	defined	define	VERB
fsr-3181	312	8	in	in	ADP
fsr-3181	312	9	tables	table	NOUN
fsr-3181	312	10	1	1	NUM
fsr-3181	312	11	and	and	CCONJ
fsr-3181	312	12	2	2	NUM
fsr-3181	312	13	.	.	X
fsr-3181	313	1	summary	summary	NOUN
fsr-3181	313	2	statistics	statistic	NOUN
fsr-3181	313	3	was	be	AUX
fsr-3181	313	4	reported	report	VERB
fsr-3181	313	5	in	in	ADP
fsr-3181	313	6	table	table	NOUN
fsr-3181	313	7	2	2	NUM
fsr-3181	313	8	.	.	PUNCT
fsr-3181	313	9	note	note	VERB
fsr-3181	313	10	3	3	NUM
fsr-3181	313	11	:	:	PUNCT
fsr-3181	313	12	statistical	statistical	ADJ
fsr-3181	313	13	significance	significance	NOUN
fsr-3181	313	14	at	at	ADP
fsr-3181	313	15	the	the	DET
fsr-3181	313	16	1	1	NUM
fsr-3181	313	17	,	,	PUNCT
fsr-3181	313	18	5	5	NUM
fsr-3181	313	19	,	,	PUNCT
fsr-3181	313	20	and	and	CCONJ
fsr-3181	313	21	10	10	NUM
fsr-3181	313	22	percent	percent	NOUN
fsr-3181	313	23	levels	level	NOUN
fsr-3181	313	24	is	be	AUX
fsr-3181	313	25	denoted	denote	VERB
fsr-3181	313	26	by	by	ADP
fsr-3181	313	27	*	*	PROPN
fsr-3181	313	28	*	*	PUNCT
fsr-3181	313	29	*	*	PUNCT
fsr-3181	313	30	,	,	PUNCT
fsr-3181	313	31	*	*	PUNCT
fsr-3181	313	32	*	*	PUNCT
fsr-3181	313	33	and	and	CCONJ
fsr-3181	313	34	*	*	ADJ
fsr-3181	313	35	,	,	PUNCT
fsr-3181	313	36	respectively	respectively	ADV
fsr-3181	313	37	.	.	PUNCT
fsr-3181	314	1	financial	financial	ADJ
fsr-3181	314	2	services	service	NOUN
fsr-3181	314	3	review	review	PROPN
fsr-3181	314	4	,	,	PUNCT
fsr-3181	314	5	32(1	32(1	NUM
fsr-3181	314	6	)	)	PUNCT
fsr-3181	314	7	18	18	NUM
fsr-3181	314	8	conclusions	conclusion	NOUN
fsr-3181	314	9	and	and	CCONJ
fsr-3181	314	10	implications	implication	NOUN
fsr-3181	314	11	household	household	NOUN
fsr-3181	314	12	financial	financial	ADJ
fsr-3181	314	13	decisions	decision	NOUN
fsr-3181	314	14	are	be	AUX
fsr-3181	314	15	interdependent	interdependent	ADJ
fsr-3181	314	16	and	and	CCONJ
fsr-3181	314	17	essential	essential	ADJ
fsr-3181	314	18	to	to	ADP
fsr-3181	314	19	both	both	DET
fsr-3181	314	20	household	household	NOUN
fsr-3181	314	21	financial	financial	ADJ
fsr-3181	314	22	wellbeing	wellbee	VERB
fsr-3181	314	23	and	and	CCONJ
fsr-3181	314	24	social	social	ADJ
fsr-3181	314	25	welfare	welfare	NOUN
fsr-3181	314	26	(	(	PUNCT
fsr-3181	314	27	gomes	gome	NOUN
fsr-3181	314	28	et	et	PROPN
fsr-3181	314	29	al	al	PROPN
fsr-3181	314	30	.	.	PROPN
fsr-3181	314	31	,	,	PUNCT
fsr-3181	314	32	2021	2021	NUM
fsr-3181	314	33	)	)	PUNCT
fsr-3181	314	34	.	.	PUNCT
fsr-3181	315	1	bhamra	bhamra	NOUN
fsr-3181	315	2	and	and	CCONJ
fsr-3181	315	3	uppal	uppal	NOUN
fsr-3181	315	4	(	(	PUNCT
fsr-3181	315	5	2019	2019	NUM
fsr-3181	315	6	)	)	PUNCT
fsr-3181	315	7	suggest	suggest	VERB
fsr-3181	315	8	a	a	DET
fsr-3181	315	9	multiplier	multipli	ADJ
fsr-3181	315	10	effect	effect	NOUN
fsr-3181	315	11	that	that	SCONJ
fsr-3181	315	12	small	small	ADJ
fsr-3181	315	13	biases	bias	NOUN
fsr-3181	315	14	in	in	ADP
fsr-3181	315	15	household	household	NOUN
fsr-3181	315	16	financial	financial	ADJ
fsr-3181	315	17	decisions	decision	NOUN
fsr-3181	315	18	can	can	AUX
fsr-3181	315	19	lead	lead	VERB
fsr-3181	315	20	to	to	ADP
fsr-3181	315	21	large	large	ADJ
fsr-3181	315	22	economic	economic	ADJ
fsr-3181	315	23	losses	loss	NOUN
fsr-3181	315	24	,	,	PUNCT
fsr-3181	315	25	not	not	PART
fsr-3181	315	26	just	just	ADV
fsr-3181	315	27	for	for	ADP
fsr-3181	315	28	individual	individual	ADJ
fsr-3181	315	29	households	household	NOUN
fsr-3181	315	30	,	,	PUNCT
fsr-3181	315	31	but	but	CCONJ
fsr-3181	315	32	also	also	ADV
fsr-3181	315	33	for	for	ADP
fsr-3181	315	34	society	society	NOUN
fsr-3181	315	35	.	.	PUNCT
fsr-3181	316	1	previous	previous	ADJ
fsr-3181	316	2	research	research	NOUN
fsr-3181	316	3	has	have	AUX
fsr-3181	316	4	examined	examine	VERB
fsr-3181	316	5	the	the	DET
fsr-3181	316	6	demand	demand	NOUN
fsr-3181	316	7	for	for	ADP
fsr-3181	316	8	life	life	NOUN
fsr-3181	316	9	insurance	insurance	NOUN
fsr-3181	316	10	as	as	ADP
fsr-3181	316	11	a	a	DET
fsr-3181	316	12	function	function	NOUN
fsr-3181	316	13	of	of	ADP
fsr-3181	316	14	household	household	NOUN
fsr-3181	316	15	demographic	demographic	ADJ
fsr-3181	316	16	characteristics	characteristic	NOUN
fsr-3181	316	17	and	and	CCONJ
fsr-3181	316	18	economic	economic	ADJ
fsr-3181	316	19	status	status	NOUN
fsr-3181	316	20	,	,	PUNCT
fsr-3181	316	21	including	include	VERB
fsr-3181	316	22	household	household	NOUN
fsr-3181	316	23	portfolio	portfolio	NOUN
fsr-3181	316	24	holdings	holding	NOUN
fsr-3181	316	25	.	.	PUNCT
fsr-3181	317	1	household	household	NOUN
fsr-3181	317	2	portfolio	portfolio	NOUN
fsr-3181	317	3	shifts	shift	NOUN
fsr-3181	317	4	can	can	AUX
fsr-3181	317	5	arise	arise	VERB
fsr-3181	317	6	from	from	ADP
fsr-3181	317	7	active	active	ADJ
fsr-3181	317	8	decision	decision	NOUN
fsr-3181	317	9	-	-	PUNCT
fsr-3181	317	10	making	making	NOUN
fsr-3181	317	11	for	for	ADP
fsr-3181	317	12	portfolio	portfolio	NOUN
fsr-3181	317	13	allocation	allocation	NOUN
fsr-3181	317	14	,	,	PUNCT
fsr-3181	317	15	or	or	CCONJ
fsr-3181	317	16	from	from	ADP
fsr-3181	317	17	passive	passive	ADJ
fsr-3181	317	18	acceptance	acceptance	NOUN
fsr-3181	317	19	of	of	ADP
fsr-3181	317	20	asset	asset	NOUN
fsr-3181	317	21	price	price	NOUN
fsr-3181	317	22	changes	change	NOUN
fsr-3181	317	23	(	(	PUNCT
fsr-3181	317	24	bricker	bricker	NOUN
fsr-3181	317	25	et	et	NOUN
fsr-3181	317	26	al	al	PROPN
fsr-3181	317	27	.	.	PROPN
fsr-3181	317	28	,	,	PUNCT
fsr-3181	317	29	2011	2011	NUM
fsr-3181	317	30	)	)	PUNCT
fsr-3181	317	31	.	.	PUNCT
fsr-3181	318	1	the	the	DET
fsr-3181	318	2	differentiation	differentiation	NOUN
fsr-3181	318	3	between	between	ADP
fsr-3181	318	4	these	these	DET
fsr-3181	318	5	two	two	NUM
fsr-3181	318	6	aspects	aspect	NOUN
fsr-3181	318	7	has	have	AUX
fsr-3181	318	8	not	not	PART
fsr-3181	318	9	been	be	AUX
fsr-3181	318	10	explored	explore	VERB
fsr-3181	318	11	in	in	ADP
fsr-3181	318	12	the	the	DET
fsr-3181	318	13	insurance	insurance	NOUN
fsr-3181	318	14	literature	literature	NOUN
fsr-3181	318	15	.	.	PUNCT
fsr-3181	319	1	our	our	PRON
fsr-3181	319	2	paper	paper	NOUN
fsr-3181	319	3	aims	aim	VERB
fsr-3181	319	4	to	to	PART
fsr-3181	319	5	fill	fill	VERB
fsr-3181	319	6	the	the	DET
fsr-3181	319	7	gap	gap	NOUN
fsr-3181	319	8	by	by	ADP
fsr-3181	319	9	exploring	explore	VERB
fsr-3181	319	10	the	the	DET
fsr-3181	319	11	relationship	relationship	NOUN
fsr-3181	319	12	between	between	ADP
fsr-3181	319	13	the	the	DET
fsr-3181	319	14	active	active	ADJ
fsr-3181	319	15	decision	decision	NOUN
fsr-3181	319	16	-	-	PUNCT
fsr-3181	319	17	making	making	NOUN
fsr-3181	319	18	for	for	ADP
fsr-3181	319	19	portfolio	portfolio	NOUN
fsr-3181	319	20	allocation	allocation	NOUN
fsr-3181	319	21	and	and	CCONJ
fsr-3181	319	22	the	the	DET
fsr-3181	319	23	demand	demand	NOUN
fsr-3181	319	24	for	for	ADP
fsr-3181	319	25	life	life	NOUN
fsr-3181	319	26	insurance	insurance	NOUN
fsr-3181	319	27	.	.	PUNCT
fsr-3181	320	1	in	in	ADP
fsr-3181	320	2	addition	addition	NOUN
fsr-3181	320	3	,	,	PUNCT
fsr-3181	320	4	the	the	DET
fsr-3181	320	5	disparities	disparity	NOUN
fsr-3181	320	6	observed	observe	VERB
fsr-3181	320	7	in	in	ADP
fsr-3181	320	8	demand	demand	NOUN
fsr-3181	320	9	determinants	determinant	NOUN
fsr-3181	320	10	between	between	ADP
fsr-3181	320	11	term	term	NOUN
fsr-3181	320	12	and	and	CCONJ
fsr-3181	320	13	whole	whole	ADJ
fsr-3181	320	14	life	life	NOUN
fsr-3181	320	15	insurance	insurance	NOUN
fsr-3181	320	16	in	in	ADP
fsr-3181	320	17	our	our	PRON
fsr-3181	320	18	study	study	NOUN
fsr-3181	320	19	indicate	indicate	VERB
fsr-3181	320	20	the	the	DET
fsr-3181	320	21	importance	importance	NOUN
fsr-3181	320	22	of	of	ADP
fsr-3181	320	23	classifying	classify	VERB
fsr-3181	320	24	life	life	NOUN
fsr-3181	320	25	insurance	insurance	NOUN
fsr-3181	320	26	by	by	ADP
fsr-3181	320	27	type	type	NOUN
fsr-3181	320	28	,	,	PUNCT
fsr-3181	320	29	in	in	ADP
fsr-3181	320	30	line	line	NOUN
fsr-3181	320	31	with	with	ADP
fsr-3181	320	32	previous	previous	ADJ
fsr-3181	320	33	literature	literature	NOUN
fsr-3181	320	34	(	(	PUNCT
fsr-3181	320	35	lin	lin	PROPN
fsr-3181	320	36	&	&	CCONJ
fsr-3181	320	37	grace	grace	PROPN
fsr-3181	320	38	,	,	PUNCT
fsr-3181	320	39	2007	2007	NUM
fsr-3181	320	40	;	;	PUNCT
fsr-3181	320	41	grable	grable	PROPN
fsr-3181	320	42	,	,	PUNCT
fsr-3181	320	43	2016	2016	NUM
fsr-3181	320	44	;	;	PUNCT
fsr-3181	320	45	heo	heo	PROPN
fsr-3181	320	46	et	et	PROPN
fsr-3181	320	47	al	al	PROPN
fsr-3181	320	48	.	.	PROPN
fsr-3181	320	49	,	,	PUNCT
fsr-3181	320	50	2021	2021	NUM
fsr-3181	320	51	)	)	PUNCT
fsr-3181	320	52	.	.	PUNCT
fsr-3181	321	1	moreover	moreover	ADV
fsr-3181	321	2	,	,	PUNCT
fsr-3181	321	3	the	the	DET
fsr-3181	321	4	scarcity	scarcity	NOUN
fsr-3181	321	5	of	of	ADP
fsr-3181	321	6	research	research	NOUN
fsr-3181	321	7	employing	employ	VERB
fsr-3181	321	8	household	household	NOUN
fsr-3181	321	9	panel	panel	NOUN
fsr-3181	321	10	data	datum	NOUN
fsr-3181	321	11	and	and	CCONJ
fsr-3181	321	12	the	the	DET
fsr-3181	321	13	limited	limited	ADJ
fsr-3181	321	14	attention	attention	NOUN
fsr-3181	321	15	given	give	VERB
fsr-3181	321	16	to	to	ADP
fsr-3181	321	17	recessionary	recessionary	ADJ
fsr-3181	321	18	periods	period	NOUN
fsr-3181	321	19	in	in	ADP
fsr-3181	321	20	the	the	DET
fsr-3181	321	21	literature	literature	NOUN
fsr-3181	321	22	further	far	ADV
fsr-3181	321	23	demonstrate	demonstrate	VERB
fsr-3181	321	24	the	the	DET
fsr-3181	321	25	significance	significance	NOUN
fsr-3181	321	26	of	of	ADP
fsr-3181	321	27	our	our	PRON
fsr-3181	321	28	study	study	NOUN
fsr-3181	321	29	(	(	PUNCT
fsr-3181	321	30	liebenberg	liebenberg	ADV
fsr-3181	321	31	et	et	PROPN
fsr-3181	321	32	al	al	PROPN
fsr-3181	321	33	.	.	PROPN
fsr-3181	321	34	,	,	PUNCT
fsr-3181	321	35	2012	2012	NUM
fsr-3181	321	36	)	)	PUNCT
fsr-3181	321	37	.	.	PUNCT
fsr-3181	322	1	our	our	PRON
fsr-3181	322	2	results	result	NOUN
fsr-3181	322	3	indicate	indicate	VERB
fsr-3181	322	4	that	that	SCONJ
fsr-3181	322	5	household	household	NOUN
fsr-3181	322	6	portfolio	portfolio	NOUN
fsr-3181	322	7	allocation	allocation	NOUN
fsr-3181	322	8	decisions	decision	NOUN
fsr-3181	322	9	have	have	VERB
fsr-3181	322	10	a	a	DET
fsr-3181	322	11	significant	significant	ADJ
fsr-3181	322	12	and	and	CCONJ
fsr-3181	322	13	dynamic	dynamic	ADJ
fsr-3181	322	14	impact	impact	NOUN
fsr-3181	322	15	on	on	ADP
fsr-3181	322	16	life	life	NOUN
fsr-3181	322	17	insurance	insurance	NOUN
fsr-3181	322	18	ownership	ownership	NOUN
fsr-3181	322	19	,	,	PUNCT
fsr-3181	322	20	while	while	SCONJ
fsr-3181	322	21	having	have	VERB
fsr-3181	322	22	a	a	DET
fsr-3181	322	23	limited	limited	ADJ
fsr-3181	322	24	impact	impact	NOUN
fsr-3181	322	25	on	on	ADP
fsr-3181	322	26	life	life	NOUN
fsr-3181	322	27	insurance	insurance	NOUN
fsr-3181	322	28	coverage	coverage	NOUN
fsr-3181	322	29	during	during	ADP
fsr-3181	322	30	recessions	recession	NOUN
fsr-3181	322	31	.	.	PUNCT
fsr-3181	323	1	the	the	DET
fsr-3181	323	2	significant	significant	ADJ
fsr-3181	323	3	and	and	CCONJ
fsr-3181	323	4	influential	influential	ADJ
fsr-3181	323	5	factors	factor	NOUN
fsr-3181	323	6	of	of	ADP
fsr-3181	323	7	household	household	NOUN
fsr-3181	323	8	portfolio	portfolio	NOUN
fsr-3181	323	9	allocation	allocation	NOUN
fsr-3181	323	10	decisions	decision	NOUN
fsr-3181	323	11	found	find	VERB
fsr-3181	323	12	in	in	ADP
fsr-3181	323	13	this	this	DET
fsr-3181	323	14	paper	paper	NOUN
fsr-3181	323	15	can	can	AUX
fsr-3181	323	16	be	be	AUX
fsr-3181	323	17	useful	useful	ADJ
fsr-3181	323	18	predictors	predictor	NOUN
fsr-3181	323	19	of	of	ADP
fsr-3181	323	20	changes	change	NOUN
fsr-3181	323	21	in	in	ADP
fsr-3181	323	22	the	the	DET
fsr-3181	323	23	demand	demand	NOUN
fsr-3181	323	24	for	for	ADP
fsr-3181	323	25	life	life	NOUN
fsr-3181	323	26	insurance	insurance	NOUN
fsr-3181	323	27	at	at	ADP
fsr-3181	323	28	the	the	DET
fsr-3181	323	29	household	household	NOUN
fsr-3181	323	30	level	level	NOUN
fsr-3181	323	31	during	during	ADP
fsr-3181	323	32	recessionary	recessionary	ADJ
fsr-3181	323	33	times	time	NOUN
fsr-3181	323	34	.	.	PUNCT
fsr-3181	324	1	specifically	specifically	ADV
fsr-3181	324	2	,	,	PUNCT
fsr-3181	324	3	the	the	DET
fsr-3181	324	4	results	result	NOUN
fsr-3181	324	5	indicate	indicate	VERB
fsr-3181	324	6	that	that	SCONJ
fsr-3181	324	7	households	household	NOUN
fsr-3181	324	8	deciding	decide	VERB
fsr-3181	324	9	to	to	PART
fsr-3181	324	10	invest	invest	VERB
fsr-3181	324	11	more	more	ADJ
fsr-3181	324	12	in	in	ADP
fsr-3181	324	13	cash	cash	NOUN
fsr-3181	324	14	and	and	CCONJ
fsr-3181	324	15	cash	cash	NOUN
fsr-3181	324	16	equivalents	equivalent	NOUN
fsr-3181	324	17	are	be	AUX
fsr-3181	324	18	less	less	ADV
fsr-3181	324	19	likely	likely	ADJ
fsr-3181	324	20	to	to	PART
fsr-3181	324	21	initiate	initiate	VERB
fsr-3181	324	22	or	or	CCONJ
fsr-3181	324	23	increase	increase	VERB
fsr-3181	324	24	term	term	NOUN
fsr-3181	324	25	life	life	NOUN
fsr-3181	324	26	insurance	insurance	NOUN
fsr-3181	324	27	during	during	ADP
fsr-3181	324	28	the	the	DET
fsr-3181	324	29	financial	financial	ADJ
fsr-3181	324	30	crisis	crisis	NOUN
fsr-3181	324	31	.	.	PUNCT
fsr-3181	325	1	the	the	DET
fsr-3181	325	2	results	result	NOUN
fsr-3181	325	3	also	also	ADV
fsr-3181	325	4	suggest	suggest	VERB
fsr-3181	325	5	that	that	SCONJ
fsr-3181	325	6	during	during	ADP
fsr-3181	325	7	recessions	recession	NOUN
fsr-3181	325	8	,	,	PUNCT
fsr-3181	325	9	the	the	DET
fsr-3181	325	10	ownership	ownership	NOUN
fsr-3181	325	11	of	of	ADP
fsr-3181	325	12	term	term	NOUN
fsr-3181	325	13	life	life	NOUN
fsr-3181	325	14	insurance	insurance	NOUN
fsr-3181	325	15	is	be	AUX
fsr-3181	325	16	likely	likely	ADJ
fsr-3181	325	17	to	to	PART
fsr-3181	325	18	be	be	AUX
fsr-3181	325	19	a	a	DET
fsr-3181	325	20	complement	complement	NOUN
fsr-3181	325	21	for	for	ADP
fsr-3181	325	22	the	the	DET
fsr-3181	325	23	allocation	allocation	NOUN
fsr-3181	325	24	of	of	ADP
fsr-3181	325	25	household	household	NOUN
fsr-3181	325	26	portfolios	portfolio	NOUN
fsr-3181	325	27	in	in	ADP
fsr-3181	325	28	retirement	retirement	NOUN
fsr-3181	325	29	assets	asset	NOUN
fsr-3181	325	30	,	,	PUNCT
fsr-3181	325	31	while	while	SCONJ
fsr-3181	325	32	the	the	DET
fsr-3181	325	33	ownership	ownership	NOUN
fsr-3181	325	34	of	of	ADP
fsr-3181	325	35	whole	whole	ADJ
fsr-3181	325	36	life	life	NOUN
fsr-3181	325	37	insurance	insurance	NOUN
fsr-3181	325	38	is	be	AUX
fsr-3181	325	39	likely	likely	ADJ
fsr-3181	325	40	to	to	PART
fsr-3181	325	41	be	be	AUX
fsr-3181	325	42	a	a	DET
fsr-3181	325	43	substitute	substitute	NOUN
fsr-3181	325	44	.	.	PUNCT
fsr-3181	326	1	additionally	additionally	ADV
fsr-3181	326	2	,	,	PUNCT
fsr-3181	326	3	the	the	DET
fsr-3181	326	4	results	result	NOUN
fsr-3181	326	5	demonstrate	demonstrate	VERB
fsr-3181	326	6	that	that	SCONJ
fsr-3181	326	7	households	household	NOUN
fsr-3181	326	8	deciding	decide	VERB
fsr-3181	326	9	to	to	PART
fsr-3181	326	10	invest	invest	VERB
fsr-3181	326	11	more	more	ADJ
fsr-3181	326	12	in	in	ADP
fsr-3181	326	13	bonds	bond	NOUN
fsr-3181	326	14	are	be	AUX
fsr-3181	326	15	less	less	ADV
fsr-3181	326	16	likely	likely	ADJ
fsr-3181	326	17	to	to	PART
fsr-3181	326	18	drop	drop	VERB
fsr-3181	326	19	or	or	CCONJ
fsr-3181	326	20	reduce	reduce	VERB
fsr-3181	326	21	term	term	NOUN
fsr-3181	326	22	life	life	NOUN
fsr-3181	326	23	insurance	insurance	NOUN
fsr-3181	326	24	.	.	PUNCT
fsr-3181	327	1	the	the	DET
fsr-3181	327	2	results	result	NOUN
fsr-3181	327	3	also	also	ADV
fsr-3181	327	4	demonstrate	demonstrate	VERB
fsr-3181	327	5	that	that	SCONJ
fsr-3181	327	6	households	household	NOUN
fsr-3181	327	7	that	that	PRON
fsr-3181	327	8	have	have	AUX
fsr-3181	327	9	decided	decide	VERB
fsr-3181	327	10	to	to	PART
fsr-3181	327	11	pay	pay	VERB
fsr-3181	327	12	off	off	ADP
fsr-3181	327	13	debts	debt	NOUN
fsr-3181	327	14	are	be	AUX
fsr-3181	327	15	more	more	ADV
fsr-3181	327	16	likely	likely	ADJ
fsr-3181	327	17	to	to	PART
fsr-3181	327	18	initiate	initiate	VERB
fsr-3181	327	19	or	or	CCONJ
fsr-3181	327	20	increase	increase	VERB
fsr-3181	327	21	their	their	PRON
fsr-3181	327	22	whole	whole	ADJ
fsr-3181	327	23	life	life	NOUN
fsr-3181	327	24	insurance	insurance	NOUN
fsr-3181	327	25	.	.	PUNCT
fsr-3181	328	1	the	the	DET
fsr-3181	328	2	insights	insight	NOUN
fsr-3181	328	3	from	from	ADP
fsr-3181	328	4	this	this	DET
fsr-3181	328	5	study	study	NOUN
fsr-3181	328	6	can	can	AUX
fsr-3181	328	7	be	be	AUX
fsr-3181	328	8	beneficial	beneficial	ADJ
fsr-3181	328	9	for	for	ADP
fsr-3181	328	10	life	life	NOUN
fsr-3181	328	11	insurers	insurer	NOUN
fsr-3181	328	12	,	,	PUNCT
fsr-3181	328	13	financial	financial	ADJ
fsr-3181	328	14	planning	planning	NOUN
fsr-3181	328	15	practitioners	practitioner	NOUN
fsr-3181	328	16	,	,	PUNCT
fsr-3181	328	17	and	and	CCONJ
fsr-3181	328	18	social	social	ADJ
fsr-3181	328	19	policymakers	policymaker	NOUN
fsr-3181	328	20	in	in	ADP
fsr-3181	328	21	estimating	estimate	VERB
fsr-3181	328	22	the	the	DET
fsr-3181	328	23	demand	demand	NOUN
fsr-3181	328	24	for	for	ADP
fsr-3181	328	25	life	life	NOUN
fsr-3181	328	26	insurance	insurance	NOUN
fsr-3181	328	27	and	and	CCONJ
fsr-3181	328	28	developing	develop	VERB
fsr-3181	328	29	production	production	NOUN
fsr-3181	328	30	and	and	CCONJ
fsr-3181	328	31	marketing	marketing	NOUN
fsr-3181	328	32	strategies	strategy	NOUN
fsr-3181	328	33	for	for	ADP
fsr-3181	328	34	different	different	ADJ
fsr-3181	328	35	economic	economic	ADJ
fsr-3181	328	36	conditions	condition	NOUN
fsr-3181	328	37	.	.	PUNCT
fsr-3181	329	1	the	the	DET
fsr-3181	329	2	findings	finding	NOUN
fsr-3181	329	3	highlight	highlight	VERB
fsr-3181	329	4	the	the	DET
fsr-3181	329	5	importance	importance	NOUN
fsr-3181	329	6	of	of	ADP
fsr-3181	329	7	considering	consider	VERB
fsr-3181	329	8	households	household	NOUN
fsr-3181	329	9	’	'	PUNCT
fsr-3181	329	10	active	active	ADJ
fsr-3181	329	11	decisions	decision	NOUN
fsr-3181	329	12	of	of	ADP
fsr-3181	329	13	portfolio	portfolio	NOUN
fsr-3181	329	14	allocation	allocation	NOUN
fsr-3181	329	15	in	in	ADP
fsr-3181	329	16	creating	create	VERB
fsr-3181	329	17	these	these	DET
fsr-3181	329	18	strategies	strategy	NOUN
fsr-3181	329	19	,	,	PUNCT
fsr-3181	329	20	which	which	PRON
fsr-3181	329	21	can	can	AUX
fsr-3181	329	22	help	help	VERB
fsr-3181	329	23	life	life	NOUN
fsr-3181	329	24	insurance	insurance	NOUN
fsr-3181	329	25	agents	agent	NOUN
fsr-3181	329	26	and	and	CCONJ
fsr-3181	329	27	financial	financial	ADJ
fsr-3181	329	28	planning	planning	NOUN
fsr-3181	329	29	practitioners	practitioner	NOUN
fsr-3181	329	30	offer	offer	VERB
fsr-3181	329	31	adaptive	adaptive	ADJ
fsr-3181	329	32	and	and	CCONJ
fsr-3181	329	33	comprehensive	comprehensive	ADJ
fsr-3181	329	34	financial	financial	ADJ
fsr-3181	329	35	services	service	NOUN
fsr-3181	329	36	to	to	ADP
fsr-3181	329	37	households	household	NOUN
fsr-3181	329	38	whose	whose	DET
fsr-3181	329	39	financial	financial	ADJ
fsr-3181	329	40	decisions	decision	NOUN
fsr-3181	329	41	may	may	AUX
fsr-3181	329	42	change	change	VERB
fsr-3181	329	43	during	during	ADP
fsr-3181	329	44	recessions	recession	NOUN
fsr-3181	329	45	.	.	PUNCT
fsr-3181	330	1	the	the	DET
fsr-3181	330	2	findings	finding	NOUN
fsr-3181	330	3	are	be	AUX
fsr-3181	330	4	especially	especially	ADV
fsr-3181	330	5	valuable	valuable	ADJ
fsr-3181	330	6	for	for	ADP
fsr-3181	330	7	financial	financial	ADJ
fsr-3181	330	8	practitioners	practitioner	NOUN
fsr-3181	330	9	who	who	PRON
fsr-3181	330	10	serve	serve	VERB
fsr-3181	330	11	wealthier	wealthy	ADJ
fsr-3181	330	12	households	household	NOUN
fsr-3181	330	13	with	with	ADP
fsr-3181	330	14	a	a	DET
fsr-3181	330	15	diverse	diverse	ADJ
fsr-3181	330	16	range	range	NOUN
fsr-3181	330	17	of	of	ADP
fsr-3181	330	18	financial	financial	ADJ
fsr-3181	330	19	assets	asset	NOUN
fsr-3181	330	20	and	and	CCONJ
fsr-3181	330	21	a	a	DET
fsr-3181	330	22	propensity	propensity	NOUN
fsr-3181	330	23	to	to	PART
fsr-3181	330	24	adjust	adjust	VERB
fsr-3181	330	25	their	their	PRON
fsr-3181	330	26	portfolio	portfolio	NOUN
fsr-3181	330	27	compositions	composition	NOUN
fsr-3181	330	28	in	in	ADP
fsr-3181	330	29	response	response	NOUN
fsr-3181	330	30	to	to	ADP
fsr-3181	330	31	evolving	evolve	VERB
fsr-3181	330	32	economic	economic	ADJ
fsr-3181	330	33	conditions	condition	NOUN
fsr-3181	330	34	.	.	PUNCT
fsr-3181	331	1	first	first	ADV
fsr-3181	331	2	,	,	PUNCT
fsr-3181	331	3	our	our	PRON
fsr-3181	331	4	results	result	NOUN
fsr-3181	331	5	indicate	indicate	VERB
fsr-3181	331	6	that	that	SCONJ
fsr-3181	331	7	promoting	promote	VERB
fsr-3181	331	8	the	the	DET
fsr-3181	331	9	allocation	allocation	NOUN
fsr-3181	331	10	of	of	ADP
fsr-3181	331	11	household	household	NOUN
fsr-3181	331	12	portfolios	portfolio	NOUN
fsr-3181	331	13	in	in	ADP
fsr-3181	331	14	retirement	retirement	NOUN
fsr-3181	331	15	assets	asset	NOUN
fsr-3181	331	16	and	and	CCONJ
fsr-3181	331	17	fostering	foster	VERB
fsr-3181	331	18	the	the	DET
fsr-3181	331	19	participation	participation	NOUN
fsr-3181	331	20	in	in	ADP
fsr-3181	331	21	financial	financial	ADJ
fsr-3181	331	22	markets	market	NOUN
fsr-3181	331	23	can	can	AUX
fsr-3181	331	24	potentially	potentially	ADV
fsr-3181	331	25	boost	boost	VERB
fsr-3181	331	26	the	the	DET
fsr-3181	331	27	demand	demand	NOUN
fsr-3181	331	28	for	for	ADP
fsr-3181	331	29	term	term	NOUN
fsr-3181	331	30	life	life	NOUN
fsr-3181	331	31	insurance	insurance	NOUN
fsr-3181	331	32	.	.	PUNCT
fsr-3181	332	1	from	from	ADP
fsr-3181	332	2	the	the	DET
fsr-3181	332	3	perspective	perspective	NOUN
fsr-3181	332	4	of	of	ADP
fsr-3181	332	5	the	the	DET
fsr-3181	332	6	overall	overall	ADJ
fsr-3181	332	7	household	household	NOUN
fsr-3181	332	8	portfolios	portfolio	NOUN
fsr-3181	332	9	,	,	PUNCT
fsr-3181	332	10	concurrently	concurrently	ADV
fsr-3181	332	11	managing	manage	VERB
fsr-3181	332	12	retirement	retirement	NOUN
fsr-3181	332	13	planning	planning	NOUN
fsr-3181	332	14	through	through	ADP
fsr-3181	332	15	investments	investment	NOUN
fsr-3181	332	16	in	in	ADP
fsr-3181	332	17	risky	risky	ADJ
fsr-3181	332	18	assets	asset	NOUN
fsr-3181	332	19	and	and	CCONJ
fsr-3181	332	20	risk	risk	NOUN
fsr-3181	332	21	mitigation	mitigation	NOUN
fsr-3181	332	22	through	through	ADP
fsr-3181	332	23	term	term	NOUN
fsr-3181	332	24	life	life	NOUN
fsr-3181	332	25	insurance	insurance	NOUN
fsr-3181	332	26	could	could	AUX
fsr-3181	332	27	represent	represent	VERB
fsr-3181	332	28	a	a	DET
fsr-3181	332	29	more	more	ADV
fsr-3181	332	30	comprehensive	comprehensive	ADJ
fsr-3181	332	31	and	and	CCONJ
fsr-3181	332	32	prudent	prudent	ADJ
fsr-3181	332	33	strategy	strategy	NOUN
fsr-3181	332	34	for	for	ADP
fsr-3181	332	35	household	household	NOUN
fsr-3181	332	36	financial	financial	ADJ
fsr-3181	332	37	planning	planning	NOUN
fsr-3181	332	38	.	.	PUNCT
fsr-3181	333	1	this	this	PRON
fsr-3181	333	2	holds	hold	VERB
fsr-3181	333	3	particular	particular	ADJ
fsr-3181	333	4	importance	importance	NOUN
fsr-3181	333	5	for	for	ADP
fsr-3181	333	6	wealthier	wealthy	ADJ
fsr-3181	333	7	households	household	NOUN
fsr-3181	333	8	in	in	ADP
fsr-3181	333	9	need	need	NOUN
fsr-3181	333	10	of	of	ADP
fsr-3181	333	11	tailored	tailor	VERB
fsr-3181	333	12	advice	advice	NOUN
fsr-3181	333	13	to	to	PART
fsr-3181	333	14	optimize	optimize	VERB
fsr-3181	333	15	their	their	PRON
fsr-3181	333	16	investments	investment	NOUN
fsr-3181	333	17	and	and	CCONJ
fsr-3181	333	18	risk	risk	NOUN
fsr-3181	333	19	management	management	NOUN
fsr-3181	333	20	strategies	strategy	NOUN
fsr-3181	333	21	.	.	PUNCT
fsr-3181	334	1	second	second	ADJ
fsr-3181	334	2	,	,	PUNCT
fsr-3181	334	3	our	our	PRON
fsr-3181	334	4	findings	finding	NOUN
fsr-3181	334	5	suggest	suggest	VERB
fsr-3181	334	6	that	that	SCONJ
fsr-3181	334	7	households	household	NOUN
fsr-3181	334	8	can	can	AUX
fsr-3181	334	9	be	be	AUX
fsr-3181	334	10	better	well	ADV
fsr-3181	334	11	served	serve	VERB
fsr-3181	334	12	when	when	SCONJ
fsr-3181	334	13	financial	financial	ADJ
fsr-3181	334	14	researchers	researcher	NOUN
fsr-3181	334	15	and	and	CCONJ
fsr-3181	334	16	practitioners	practitioner	NOUN
fsr-3181	334	17	more	more	ADV
fsr-3181	334	18	carefully	carefully	ADV
fsr-3181	334	19	identify	identify	VERB
fsr-3181	334	20	and	and	CCONJ
fsr-3181	334	21	accommodate	accommodate	VERB
fsr-3181	334	22	the	the	DET
fsr-3181	334	23	demand	demand	NOUN
fsr-3181	334	24	for	for	ADP
fsr-3181	334	25	different	different	ADJ
fsr-3181	334	26	types	type	NOUN
fsr-3181	334	27	of	of	ADP
fsr-3181	334	28	life	life	NOUN
fsr-3181	334	29	insurance	insurance	NOUN
fsr-3181	334	30	.	.	PUNCT
fsr-3181	335	1	it	it	PRON
fsr-3181	335	2	is	be	AUX
fsr-3181	335	3	recommended	recommend	VERB
fsr-3181	335	4	that	that	SCONJ
fsr-3181	335	5	term	term	NOUN
fsr-3181	335	6	life	life	NOUN
fsr-3181	335	7	insurance	insurance	NOUN
fsr-3181	335	8	can	can	AUX
fsr-3181	335	9	be	be	AUX
fsr-3181	335	10	promoted	promote	VERB
fsr-3181	335	11	to	to	ADP
fsr-3181	335	12	households	household	NOUN
fsr-3181	335	13	that	that	PRON
fsr-3181	335	14	have	have	AUX
fsr-3181	335	15	decided	decide	VERB
fsr-3181	335	16	to	to	PART
fsr-3181	335	17	increase	increase	VERB
fsr-3181	335	18	their	their	PRON
fsr-3181	335	19	investments	investment	NOUN
fsr-3181	335	20	in	in	ADP
fsr-3181	335	21	retirement	retirement	NOUN
fsr-3181	335	22	assets	asset	NOUN
fsr-3181	335	23	and	and	CCONJ
fsr-3181	335	24	bonds	bond	NOUN
fsr-3181	335	25	,	,	PUNCT
fsr-3181	335	26	while	while	SCONJ
fsr-3181	335	27	whole	whole	ADJ
fsr-3181	335	28	life	life	NOUN
fsr-3181	335	29	insurance	insurance	NOUN
fsr-3181	335	30	can	can	AUX
fsr-3181	335	31	be	be	AUX
fsr-3181	335	32	targeted	target	VERB
fsr-3181	335	33	towards	towards	ADP
fsr-3181	335	34	households	household	NOUN
fsr-3181	335	35	aiming	aim	VERB
fsr-3181	335	36	to	to	PART
fsr-3181	335	37	pay	pay	VERB
fsr-3181	335	38	off	off	ADP
fsr-3181	335	39	debts	debt	NOUN
fsr-3181	335	40	.	.	PUNCT
fsr-3181	336	1	these	these	DET
fsr-3181	336	2	recommendations	recommendation	NOUN
fsr-3181	336	3	wang	wang	PROPN
fsr-3181	336	4	et	et	PROPN
fsr-3181	336	5	al	al	PROPN
fsr-3181	336	6	.	.	PROPN
fsr-3181	336	7	19	19	NUM
fsr-3181	336	8	can	can	AUX
fsr-3181	336	9	help	help	VERB
fsr-3181	336	10	financial	financial	ADJ
fsr-3181	336	11	service	service	NOUN
fsr-3181	336	12	companies	company	NOUN
fsr-3181	336	13	and	and	CCONJ
fsr-3181	336	14	practitioners	practitioner	NOUN
fsr-3181	336	15	tailor	tailor	VERB
fsr-3181	336	16	their	their	PRON
fsr-3181	336	17	strategies	strategy	NOUN
fsr-3181	336	18	to	to	PART
fsr-3181	336	19	align	align	VERB
fsr-3181	336	20	with	with	ADP
fsr-3181	336	21	the	the	DET
fsr-3181	336	22	needs	need	NOUN
fsr-3181	336	23	of	of	ADP
fsr-3181	336	24	households	household	NOUN
fsr-3181	336	25	during	during	ADP
fsr-3181	336	26	economic	economic	ADJ
fsr-3181	336	27	downturns	downturn	NOUN
fsr-3181	336	28	,	,	PUNCT
fsr-3181	336	29	ensuring	ensure	VERB
fsr-3181	336	30	that	that	SCONJ
fsr-3181	336	31	households	household	NOUN
fsr-3181	336	32	have	have	VERB
fsr-3181	336	33	adequate	adequate	ADJ
fsr-3181	336	34	life	life	NOUN
fsr-3181	336	35	insurance	insurance	NOUN
fsr-3181	336	36	coverage	coverage	NOUN
fsr-3181	336	37	to	to	PART
fsr-3181	336	38	protect	protect	VERB
fsr-3181	336	39	against	against	ADP
fsr-3181	336	40	financial	financial	ADJ
fsr-3181	336	41	hardships	hardship	NOUN
fsr-3181	336	42	.	.	PUNCT
fsr-3181	337	1	third	third	ADV
fsr-3181	337	2	,	,	PUNCT
fsr-3181	337	3	our	our	PRON
fsr-3181	337	4	findings	finding	NOUN
fsr-3181	337	5	suggest	suggest	VERB
fsr-3181	337	6	that	that	SCONJ
fsr-3181	337	7	the	the	DET
fsr-3181	337	8	growth	growth	NOUN
fsr-3181	337	9	of	of	ADP
fsr-3181	337	10	household	household	NOUN
fsr-3181	337	11	wealth	wealth	NOUN
fsr-3181	337	12	may	may	AUX
fsr-3181	337	13	stimulate	stimulate	VERB
fsr-3181	337	14	the	the	DET
fsr-3181	337	15	demand	demand	NOUN
fsr-3181	337	16	for	for	ADP
fsr-3181	337	17	term	term	NOUN
fsr-3181	337	18	life	life	NOUN
fsr-3181	337	19	insurance	insurance	NOUN
fsr-3181	337	20	as	as	ADP
fsr-3181	337	21	a	a	DET
fsr-3181	337	22	safeguard	safeguard	NOUN
fsr-3181	337	23	against	against	ADP
fsr-3181	337	24	financial	financial	ADJ
fsr-3181	337	25	losses	loss	NOUN
fsr-3181	337	26	during	during	ADP
fsr-3181	337	27	periods	period	NOUN
fsr-3181	337	28	of	of	ADP
fsr-3181	337	29	economic	economic	ADJ
fsr-3181	337	30	downturns	downturn	NOUN
fsr-3181	337	31	.	.	PUNCT
fsr-3181	338	1	nevertheless	nevertheless	ADV
fsr-3181	338	2	,	,	PUNCT
fsr-3181	338	3	it	it	PRON
fsr-3181	338	4	is	be	AUX
fsr-3181	338	5	suggested	suggest	VERB
fsr-3181	338	6	that	that	SCONJ
fsr-3181	338	7	the	the	DET
fsr-3181	338	8	growth	growth	NOUN
fsr-3181	338	9	of	of	ADP
fsr-3181	338	10	household	household	NOUN
fsr-3181	338	11	wealth	wealth	NOUN
fsr-3181	338	12	may	may	AUX
fsr-3181	338	13	crowd	crowd	VERB
fsr-3181	338	14	out	out	ADP
fsr-3181	338	15	the	the	DET
fsr-3181	338	16	new	new	ADJ
fsr-3181	338	17	demand	demand	NOUN
fsr-3181	338	18	for	for	ADP
fsr-3181	338	19	whole	whole	ADJ
fsr-3181	338	20	life	life	NOUN
fsr-3181	338	21	insurance	insurance	NOUN
fsr-3181	338	22	which	which	PRON
fsr-3181	338	23	has	have	VERB
fsr-3181	338	24	a	a	DET
fsr-3181	338	25	function	function	NOUN
fsr-3181	338	26	of	of	ADP
fsr-3181	338	27	savings	saving	NOUN
fsr-3181	338	28	.	.	PUNCT
fsr-3181	339	1	fourth	fourth	ADJ
fsr-3181	339	2	,	,	PUNCT
fsr-3181	339	3	our	our	PRON
fsr-3181	339	4	results	result	NOUN
fsr-3181	339	5	imply	imply	VERB
fsr-3181	339	6	that	that	SCONJ
fsr-3181	339	7	the	the	DET
fsr-3181	339	8	efforts	effort	NOUN
fsr-3181	339	9	to	to	PART
fsr-3181	339	10	enhance	enhance	VERB
fsr-3181	339	11	household	household	NOUN
fsr-3181	339	12	liquidity	liquidity	NOUN
fsr-3181	339	13	status	status	NOUN
fsr-3181	339	14	,	,	PUNCT
fsr-3181	339	15	promote	promote	VERB
fsr-3181	339	16	conservative	conservative	ADJ
fsr-3181	339	17	or	or	CCONJ
fsr-3181	339	18	disciplined	discipline	VERB
fsr-3181	339	19	financial	financial	ADJ
fsr-3181	339	20	behavior	behavior	NOUN
fsr-3181	339	21	,	,	PUNCT
fsr-3181	339	22	and	and	CCONJ
fsr-3181	339	23	encourage	encourage	VERB
fsr-3181	339	24	long	long	ADJ
fsr-3181	339	25	-	-	PUNCT
fsr-3181	339	26	term	term	NOUN
fsr-3181	339	27	investments	investment	NOUN
fsr-3181	339	28	may	may	AUX
fsr-3181	339	29	not	not	PART
fsr-3181	339	30	necessarily	necessarily	ADV
fsr-3181	339	31	have	have	VERB
fsr-3181	339	32	the	the	DET
fsr-3181	339	33	intended	intend	VERB
fsr-3181	339	34	positive	positive	ADJ
fsr-3181	339	35	impact	impact	NOUN
fsr-3181	339	36	on	on	ADP
fsr-3181	339	37	boosting	boost	VERB
fsr-3181	339	38	the	the	DET
fsr-3181	339	39	demand	demand	NOUN
fsr-3181	339	40	for	for	ADP
fsr-3181	339	41	term	term	NOUN
fsr-3181	339	42	life	life	NOUN
fsr-3181	339	43	insurance	insurance	NOUN
fsr-3181	339	44	.	.	PUNCT
fsr-3181	340	1	instead	instead	ADV
fsr-3181	340	2	,	,	PUNCT
fsr-3181	340	3	these	these	DET
fsr-3181	340	4	strategies	strategy	NOUN
fsr-3181	340	5	might	might	AUX
fsr-3181	340	6	have	have	VERB
fsr-3181	340	7	an	an	DET
fsr-3181	340	8	adverse	adverse	ADJ
fsr-3181	340	9	effect	effect	NOUN
fsr-3181	340	10	or	or	CCONJ
fsr-3181	340	11	fail	fail	VERB
fsr-3181	340	12	to	to	PART
fsr-3181	340	13	produce	produce	VERB
fsr-3181	340	14	the	the	DET
fsr-3181	340	15	anticipated	anticipate	VERB
fsr-3181	340	16	results	result	NOUN
fsr-3181	340	17	during	during	ADP
fsr-3181	340	18	economic	economic	ADJ
fsr-3181	340	19	downturns	downturn	NOUN
fsr-3181	340	20	.	.	PUNCT
fsr-3181	341	1	finally	finally	ADV
fsr-3181	341	2	,	,	PUNCT
fsr-3181	341	3	the	the	DET
fsr-3181	341	4	analysis	analysis	NOUN
fsr-3181	341	5	of	of	ADP
fsr-3181	341	6	determinants	determinant	NOUN
fsr-3181	341	7	influencing	influence	VERB
fsr-3181	341	8	household	household	NOUN
fsr-3181	341	9	decisions	decision	NOUN
fsr-3181	341	10	to	to	PART
fsr-3181	341	11	drop	drop	VERB
fsr-3181	341	12	or	or	CCONJ
fsr-3181	341	13	reduce	reduce	VERB
fsr-3181	341	14	life	life	NOUN
fsr-3181	341	15	insurance	insurance	NOUN
fsr-3181	341	16	can	can	AUX
fsr-3181	341	17	assist	assist	VERB
fsr-3181	341	18	in	in	ADP
fsr-3181	341	19	identifying	identify	VERB
fsr-3181	341	20	households	household	NOUN
fsr-3181	341	21	that	that	PRON
fsr-3181	341	22	are	be	AUX
fsr-3181	341	23	more	more	ADV
fsr-3181	341	24	prone	prone	ADJ
fsr-3181	341	25	to	to	ADP
fsr-3181	341	26	experiencing	experience	VERB
fsr-3181	341	27	financial	financial	ADJ
fsr-3181	341	28	hardships	hardship	NOUN
fsr-3181	341	29	following	follow	VERB
fsr-3181	341	30	a	a	DET
fsr-3181	341	31	financial	financial	ADJ
fsr-3181	341	32	crisis	crisis	NOUN
fsr-3181	341	33	.	.	PUNCT
fsr-3181	342	1	our	our	PRON
fsr-3181	342	2	results	result	NOUN
fsr-3181	342	3	indicate	indicate	VERB
fsr-3181	342	4	that	that	SCONJ
fsr-3181	342	5	households	household	NOUN
fsr-3181	342	6	deciding	decide	VERB
fsr-3181	342	7	to	to	PART
fsr-3181	342	8	invest	invest	VERB
fsr-3181	342	9	less	less	ADJ
fsr-3181	342	10	in	in	ADP
fsr-3181	342	11	retirement	retirement	NOUN
fsr-3181	342	12	assets	asset	NOUN
fsr-3181	342	13	are	be	AUX
fsr-3181	342	14	more	more	ADV
fsr-3181	342	15	likely	likely	ADJ
fsr-3181	342	16	to	to	PART
fsr-3181	342	17	drop	drop	VERB
fsr-3181	342	18	or	or	CCONJ
fsr-3181	342	19	reduce	reduce	VERB
fsr-3181	342	20	term	term	NOUN
fsr-3181	342	21	life	life	NOUN
fsr-3181	342	22	insurance	insurance	NOUN
fsr-3181	342	23	,	,	PUNCT
fsr-3181	342	24	and	and	CCONJ
fsr-3181	342	25	households	household	NOUN
fsr-3181	342	26	deciding	decide	VERB
fsr-3181	342	27	to	to	PART
fsr-3181	342	28	spend	spend	VERB
fsr-3181	342	29	less	less	ADJ
fsr-3181	342	30	are	be	AUX
fsr-3181	342	31	more	more	ADV
fsr-3181	342	32	likely	likely	ADJ
fsr-3181	342	33	to	to	PART
fsr-3181	342	34	drop	drop	VERB
fsr-3181	342	35	or	or	CCONJ
fsr-3181	342	36	reduce	reduce	VERB
fsr-3181	342	37	whole	whole	ADJ
fsr-3181	342	38	life	life	NOUN
fsr-3181	342	39	insurance	insurance	NOUN
fsr-3181	342	40	compared	compare	VERB
fsr-3181	342	41	to	to	ADP
fsr-3181	342	42	other	other	ADJ
fsr-3181	342	43	households	household	NOUN
fsr-3181	342	44	.	.	PUNCT
fsr-3181	343	1	prioritizing	prioritize	VERB
fsr-3181	343	2	these	these	DET
fsr-3181	343	3	households	household	NOUN
fsr-3181	343	4	becomes	become	VERB
fsr-3181	343	5	crucial	crucial	ADJ
fsr-3181	343	6	for	for	ADP
fsr-3181	343	7	social	social	ADJ
fsr-3181	343	8	policymakers	policymaker	NOUN
fsr-3181	343	9	seeking	seek	VERB
fsr-3181	343	10	to	to	PART
fsr-3181	343	11	mitigate	mitigate	VERB
fsr-3181	343	12	household	household	NOUN
fsr-3181	343	13	financial	financial	ADJ
fsr-3181	343	14	hardships	hardship	NOUN
fsr-3181	343	15	due	due	ADJ
fsr-3181	343	16	to	to	ADP
fsr-3181	343	17	inadequate	inadequate	ADJ
fsr-3181	343	18	life	life	NOUN
fsr-3181	343	19	insurance	insurance	NOUN
fsr-3181	343	20	during	during	ADP
fsr-3181	343	21	recessions	recession	NOUN
fsr-3181	343	22	.	.	PUNCT
fsr-3181	344	1	one	one	NUM
fsr-3181	344	2	limitation	limitation	NOUN
fsr-3181	344	3	of	of	ADP
fsr-3181	344	4	this	this	DET
fsr-3181	344	5	study	study	NOUN
fsr-3181	344	6	is	be	AUX
fsr-3181	344	7	that	that	SCONJ
fsr-3181	344	8	the	the	DET
fsr-3181	344	9	scope	scope	NOUN
fsr-3181	344	10	of	of	ADP
fsr-3181	344	11	active	active	ADJ
fsr-3181	344	12	decision	decision	NOUN
fsr-3181	344	13	-	-	PUNCT
fsr-3181	344	14	making	making	NOUN
fsr-3181	344	15	for	for	ADP
fsr-3181	344	16	portfolio	portfolio	NOUN
fsr-3181	344	17	allocation	allocation	NOUN
fsr-3181	344	18	could	could	AUX
fsr-3181	344	19	include	include	VERB
fsr-3181	344	20	the	the	DET
fsr-3181	344	21	scenario	scenario	NOUN
fsr-3181	344	22	where	where	SCONJ
fsr-3181	344	23	households	household	NOUN
fsr-3181	344	24	actively	actively	ADV
fsr-3181	344	25	choose	choose	VERB
fsr-3181	344	26	to	to	PART
fsr-3181	344	27	retain	retain	VERB
fsr-3181	344	28	their	their	PRON
fsr-3181	344	29	current	current	ADJ
fsr-3181	344	30	allocation	allocation	NOUN
fsr-3181	344	31	,	,	PUNCT
fsr-3181	344	32	an	an	DET
fsr-3181	344	33	aspect	aspect	NOUN
fsr-3181	344	34	not	not	PART
fsr-3181	344	35	explicitly	explicitly	ADV
fsr-3181	344	36	addressed	address	VERB
fsr-3181	344	37	in	in	ADP
fsr-3181	344	38	our	our	PRON
fsr-3181	344	39	research	research	NOUN
fsr-3181	344	40	.	.	PUNCT
fsr-3181	345	1	a	a	DET
fsr-3181	345	2	future	future	ADJ
fsr-3181	345	3	direction	direction	NOUN
fsr-3181	345	4	of	of	ADP
fsr-3181	345	5	our	our	PRON
fsr-3181	345	6	study	study	NOUN
fsr-3181	345	7	involves	involve	VERB
fsr-3181	345	8	establishing	establish	VERB
fsr-3181	345	9	connections	connection	NOUN
fsr-3181	345	10	between	between	ADP
fsr-3181	345	11	household	household	NOUN
fsr-3181	345	12	financial	financial	ADJ
fsr-3181	345	13	decisions	decision	NOUN
fsr-3181	345	14	,	,	PUNCT
fsr-3181	345	15	including	include	VERB
fsr-3181	345	16	choices	choice	NOUN
fsr-3181	345	17	in	in	ADP
fsr-3181	345	18	insurance	insurance	NOUN
fsr-3181	345	19	markets	market	NOUN
fsr-3181	345	20	,	,	PUNCT
fsr-3181	345	21	and	and	CCONJ
fsr-3181	345	22	the	the	DET
fsr-3181	345	23	potential	potential	ADJ
fsr-3181	345	24	impacts	impact	NOUN
fsr-3181	345	25	of	of	ADP
fsr-3181	345	26	macroeconomic	macroeconomic	ADJ
fsr-3181	345	27	policies	policy	NOUN
fsr-3181	345	28	.	.	PUNCT
fsr-3181	346	1	this	this	DET
fsr-3181	346	2	endeavor	endeavor	NOUN
fsr-3181	346	3	aims	aim	VERB
fsr-3181	346	4	to	to	PART
fsr-3181	346	5	enhance	enhance	VERB
fsr-3181	346	6	household	household	NOUN
fsr-3181	346	7	financial	financial	ADJ
fsr-3181	346	8	well	well	ADV
fsr-3181	346	9	-	-	PUNCT
fsr-3181	346	10	being	being	NOUN
fsr-3181	346	11	and	and	CCONJ
fsr-3181	346	12	overall	overall	ADJ
fsr-3181	346	13	social	social	ADJ
fsr-3181	346	14	welfare	welfare	NOUN
fsr-3181	346	15	.	.	PUNCT
fsr-3181	347	1	financial	financial	ADJ
fsr-3181	347	2	services	service	NOUN
fsr-3181	347	3	review	review	PROPN
fsr-3181	347	4	,	,	PUNCT
fsr-3181	347	5	32(1	32(1	NUM
fsr-3181	347	6	)	)	PUNCT
fsr-3181	347	7	20	20	NUM
fsr-3181	347	8	appendix	appendix	VERB
fsr-3181	347	9	a	a	DET
fsr-3181	347	10	survey	survey	NOUN
fsr-3181	347	11	questions	question	NOUN
fsr-3181	347	12	about	about	ADP
fsr-3181	347	13	the	the	DET
fsr-3181	347	14	demand	demand	NOUN
fsr-3181	347	15	for	for	ADP
fsr-3181	347	16	life	life	NOUN
fsr-3181	347	17	insurance	insurance	NOUN
fsr-3181	347	18	and	and	CCONJ
fsr-3181	347	19	the	the	DET
fsr-3181	347	20	household	household	NOUN
fsr-3181	347	21	portfolio	portfolio	NOUN
fsr-3181	347	22	allocation	allocation	NOUN
fsr-3181	347	23	decisions	decision	NOUN
fsr-3181	347	24	in	in	ADP
fsr-3181	347	25	the	the	DET
fsr-3181	347	26	codebook	codebook	NOUN
fsr-3181	347	27	of	of	ADP
fsr-3181	347	28	the	the	DET
fsr-3181	347	29	2007	2007	NUM
fsr-3181	347	30	-	-	SYM
fsr-3181	347	31	2009	2009	NUM
fsr-3181	347	32	survey	survey	NOUN
fsr-3181	347	33	of	of	ADP
fsr-3181	347	34	consumer	consumer	NOUN
fsr-3181	347	35	finances	finance	NOUN
fsr-3181	347	36	panel	panel	NOUN
fsr-3181	347	37	data	datum	NOUN
fsr-3181	347	38	set	set	VERB
fsr-3181	347	39	are	be	AUX
fsr-3181	347	40	listed	list	VERB
fsr-3181	347	41	as	as	SCONJ
fsr-3181	347	42	follows	follow	VERB
fsr-3181	347	43	.	.	PUNCT
fsr-3181	348	1	for	for	ADP
fsr-3181	348	2	more	more	ADJ
fsr-3181	348	3	information	information	NOUN
fsr-3181	348	4	,	,	PUNCT
fsr-3181	348	5	see	see	VERB
fsr-3181	348	6	https://www.federalreserve.gov/econres/files/codebk2009p.txt	https://www.federalreserve.gov/econres/files/codebk2009p.txt	PROPN
fsr-3181	348	7	.	.	NOUN
fsr-3181	349	1	1	1	X
fsr-3181	349	2	.	.	X
fsr-3181	349	3	the	the	DET
fsr-3181	349	4	ownership	ownership	NOUN
fsr-3181	349	5	of	of	ADP
fsr-3181	349	6	term	term	NOUN
fsr-3181	349	7	life	life	NOUN
fsr-3181	349	8	insurance	insurance	NOUN
fsr-3181	349	9	x4002	x4002	NOUN
fsr-3181	349	10	:	:	PUNCT
fsr-3181	349	11	question	question	NOUN
fsr-3181	349	12	text	text	NOUN
fsr-3181	349	13	same	same	ADJ
fsr-3181	349	14	as	as	ADP
fsr-3181	349	15	2009	2009	NUM
fsr-3181	349	16	version	version	NOUN
fsr-3181	349	17	p4002	p4002	PROPN
fsr-3181	349	18	:	:	PUNCT
fsr-3181	349	19	the	the	DET
fsr-3181	349	20	two	two	NUM
fsr-3181	349	21	major	major	ADJ
fsr-3181	349	22	types	type	NOUN
fsr-3181	349	23	of	of	ADP
fsr-3181	349	24	life	life	NOUN
fsr-3181	349	25	insurance	insurance	NOUN
fsr-3181	349	26	are	be	AUX
fsr-3181	349	27	term	term	NOUN
fsr-3181	349	28	and	and	CCONJ
fsr-3181	349	29	cash	cash	NOUN
fsr-3181	349	30	-	-	PUNCT
fsr-3181	349	31	value	value	NOUN
fsr-3181	349	32	policies	policy	NOUN
fsr-3181	349	33	.	.	PUNCT
fsr-3181	350	1	term	term	NOUN
fsr-3181	350	2	policies	policy	NOUN
fsr-3181	350	3	pay	pay	VERB
fsr-3181	350	4	a	a	DET
fsr-3181	350	5	benefit	benefit	NOUN
fsr-3181	350	6	if	if	SCONJ
fsr-3181	350	7	the	the	DET
fsr-3181	350	8	insured	insured	ADJ
fsr-3181	350	9	person	person	NOUN
fsr-3181	350	10	dies	die	VERB
fsr-3181	350	11	,	,	PUNCT
fsr-3181	350	12	but	but	CCONJ
fsr-3181	350	13	otherwise	otherwise	ADV
fsr-3181	350	14	have	have	VERB
fsr-3181	350	15	no	no	DET
fsr-3181	350	16	value	value	NOUN
fsr-3181	350	17	.	.	PUNCT
fsr-3181	351	1	they	they	PRON
fsr-3181	351	2	are	be	AUX
fsr-3181	351	3	often	often	ADV
fsr-3181	351	4	provided	provide	VERB
fsr-3181	351	5	through	through	ADP
fsr-3181	351	6	an	an	DET
fsr-3181	351	7	employer	employer	NOUN
fsr-3181	351	8	or	or	CCONJ
fsr-3181	351	9	union	union	NOUN
fsr-3181	351	10	,	,	PUNCT
fsr-3181	351	11	but	but	CCONJ
fsr-3181	351	12	may	may	AUX
fsr-3181	351	13	also	also	ADV
fsr-3181	351	14	be	be	AUX
fsr-3181	351	15	bought	buy	VERB
fsr-3181	351	16	by	by	ADP
fsr-3181	351	17	individuals	individual	NOUN
fsr-3181	351	18	.	.	PUNCT
fsr-3181	352	1	cash	cash	NOUN
fsr-3181	352	2	-	-	PUNCT
fsr-3181	352	3	value	value	NOUN
fsr-3181	352	4	policies	policy	NOUN
fsr-3181	352	5	also	also	ADV
fsr-3181	352	6	pay	pay	VERB
fsr-3181	352	7	a	a	DET
fsr-3181	352	8	death	death	NOUN
fsr-3181	352	9	benefit	benefit	NOUN
fsr-3181	352	10	,	,	PUNCT
fsr-3181	352	11	but	but	CCONJ
fsr-3181	352	12	differ	differ	VERB
fsr-3181	352	13	in	in	ADP
fsr-3181	352	14	that	that	SCONJ
fsr-3181	352	15	they	they	PRON
fsr-3181	352	16	build	build	VERB
fsr-3181	352	17	up	up	ADP
fsr-3181	352	18	a	a	DET
fsr-3181	352	19	value	value	NOUN
fsr-3181	352	20	as	as	SCONJ
fsr-3181	352	21	premiums	premium	NOUN
fsr-3181	352	22	are	be	AUX
fsr-3181	352	23	paid	pay	VERB
fsr-3181	352	24	.	.	PUNCT
fsr-3181	353	1	are	be	AUX
fsr-3181	353	2	any	any	PRON
fsr-3181	353	3	of	of	ADP
fsr-3181	353	4	your	your	PRON
fsr-3181	353	5	(	(	PUNCT
fsr-3181	353	6	family	family	NOUN
fsr-3181	353	7	's	's	PART
fsr-3181	353	8	)	)	PUNCT
fsr-3181	353	9	policies	policy	NOUN
fsr-3181	353	10	term	term	NOUN
fsr-3181	353	11	insurance	insurance	NOUN
fsr-3181	353	12	?	?	PUNCT
fsr-3181	354	1	2	2	X
fsr-3181	354	2	.	.	X
fsr-3181	354	3	the	the	DET
fsr-3181	354	4	coverage	coverage	NOUN
fsr-3181	354	5	of	of	ADP
fsr-3181	354	6	term	term	NOUN
fsr-3181	354	7	life	life	NOUN
fsr-3181	354	8	insurance	insurance	NOUN
fsr-3181	354	9	x4003	x4003	NOUN
fsr-3181	354	10	:	:	PUNCT
fsr-3181	354	11	question	question	NOUN
fsr-3181	354	12	text	text	NOUN
fsr-3181	354	13	same	same	ADJ
fsr-3181	354	14	as	as	ADP
fsr-3181	354	15	2009	2009	NUM
fsr-3181	354	16	version	version	NOUN
fsr-3181	354	17	p4003	p4003	PROPN
fsr-3181	354	18	:	:	PUNCT
fsr-3181	354	19	what	what	PRON
fsr-3181	354	20	is	be	AUX
fsr-3181	354	21	the	the	DET
fsr-3181	354	22	current	current	ADJ
fsr-3181	354	23	face	face	NOUN
fsr-3181	354	24	value	value	NOUN
fsr-3181	354	25	of	of	ADP
fsr-3181	354	26	all	all	DET
fsr-3181	354	27	the	the	DET
fsr-3181	354	28	term	term	NOUN
fsr-3181	354	29	life	life	NOUN
fsr-3181	354	30	policies	policy	NOUN
fsr-3181	354	31	that	that	PRON
fsr-3181	354	32	you	you	PRON
fsr-3181	354	33	(	(	PUNCT
fsr-3181	354	34	and	and	CCONJ
fsr-3181	354	35	your	your	PRON
fsr-3181	354	36	family	family	NOUN
fsr-3181	354	37	living	live	VERB
fsr-3181	354	38	here	here	ADV
fsr-3181	354	39	)	)	PUNCT
fsr-3181	354	40	have	have	VERB
fsr-3181	354	41	?	?	PUNCT
fsr-3181	355	1	(	(	PUNCT
fsr-3181	355	2	the	the	DET
fsr-3181	355	3	face	face	NOUN
fsr-3181	355	4	value	value	NOUN
fsr-3181	355	5	of	of	ADP
fsr-3181	355	6	a	a	DET
fsr-3181	355	7	policy	policy	NOUN
fsr-3181	355	8	is	be	AUX
fsr-3181	355	9	what	what	PRON
fsr-3181	355	10	the	the	DET
fsr-3181	355	11	policy	policy	NOUN
fsr-3181	355	12	would	would	AUX
fsr-3181	355	13	pay	pay	VERB
fsr-3181	355	14	in	in	ADP
fsr-3181	355	15	the	the	DET
fsr-3181	355	16	event	event	NOUN
fsr-3181	355	17	of	of	ADP
fsr-3181	355	18	death	death	NOUN
fsr-3181	355	19	)	)	PUNCT
fsr-3181	356	1	3	3	X
fsr-3181	356	2	.	.	PUNCT
fsr-3181	357	1	the	the	DET
fsr-3181	357	2	ownership	ownership	NOUN
fsr-3181	357	3	of	of	ADP
fsr-3181	357	4	whole	whole	ADJ
fsr-3181	357	5	life	life	NOUN
fsr-3181	357	6	insurance	insurance	NOUN
fsr-3181	357	7	x4004	x4004	PROPN
fsr-3181	357	8	:	:	PUNCT
fsr-3181	357	9	question	question	NOUN
fsr-3181	357	10	text	text	NOUN
fsr-3181	357	11	same	same	ADJ
fsr-3181	357	12	as	as	ADP
fsr-3181	357	13	2009	2009	NUM
fsr-3181	357	14	version	version	NOUN
fsr-3181	357	15	p4004	p4004	NOUN
fsr-3181	357	16	:	:	PUNCT
fsr-3181	357	17	do	do	AUX
fsr-3181	357	18	you	you	PRON
fsr-3181	357	19	have	have	VERB
fsr-3181	357	20	any	any	DET
fsr-3181	357	21	policies	policy	NOUN
fsr-3181	357	22	that	that	PRON
fsr-3181	357	23	build	build	VERB
fsr-3181	357	24	up	up	ADP
fsr-3181	357	25	a	a	DET
fsr-3181	357	26	cash	cash	NOUN
fsr-3181	357	27	value	value	NOUN
fsr-3181	357	28	or	or	CCONJ
fsr-3181	357	29	that	that	SCONJ
fsr-3181	357	30	you	you	PRON
fsr-3181	357	31	can	can	AUX
fsr-3181	357	32	borrow	borrow	VERB
fsr-3181	357	33	on	on	ADP
fsr-3181	357	34	?	?	PUNCT
fsr-3181	358	1	these	these	PRON
fsr-3181	358	2	are	be	AUX
fsr-3181	358	3	sometimes	sometimes	ADV
fsr-3181	358	4	called	call	VERB
fsr-3181	358	5	"	"	PUNCT
fsr-3181	358	6	whole	whole	ADJ
fsr-3181	358	7	life	life	NOUN
fsr-3181	358	8	"	"	PUNCT
fsr-3181	358	9	,	,	PUNCT
fsr-3181	358	10	"	"	PUNCT
fsr-3181	358	11	straight	straight	ADJ
fsr-3181	358	12	life	life	NOUN
fsr-3181	358	13	"	"	PUNCT
fsr-3181	358	14	,	,	PUNCT
fsr-3181	358	15	or	or	CCONJ
fsr-3181	358	16	"	"	PUNCT
fsr-3181	358	17	universal	universal	ADJ
fsr-3181	358	18	life	life	NOUN
fsr-3181	358	19	"	"	PUNCT
fsr-3181	358	20	policies	policy	NOUN
fsr-3181	358	21	.	.	PUNCT
fsr-3181	359	1	4	4	X
fsr-3181	359	2	.	.	X
fsr-3181	359	3	the	the	DET
fsr-3181	359	4	coverage	coverage	NOUN
fsr-3181	359	5	of	of	ADP
fsr-3181	359	6	whole	whole	ADJ
fsr-3181	359	7	life	life	NOUN
fsr-3181	359	8	insurance	insurance	NOUN
fsr-3181	359	9	x4005	x4005	ADV
fsr-3181	359	10	:	:	PUNCT
fsr-3181	359	11	question	question	NOUN
fsr-3181	359	12	text	text	NOUN
fsr-3181	359	13	same	same	ADJ
fsr-3181	359	14	as	as	ADP
fsr-3181	359	15	2009	2009	NUM
fsr-3181	359	16	version	version	NOUN
fsr-3181	359	17	p4005	p4005	NOUN
fsr-3181	359	18	:	:	PUNCT
fsr-3181	359	19	what	what	PRON
fsr-3181	359	20	is	be	AUX
fsr-3181	359	21	the	the	DET
fsr-3181	359	22	current	current	ADJ
fsr-3181	359	23	face	face	NOUN
fsr-3181	359	24	value	value	NOUN
fsr-3181	359	25	of	of	ADP
fsr-3181	359	26	all	all	PRON
fsr-3181	359	27	of	of	ADP
fsr-3181	359	28	the	the	DET
fsr-3181	359	29	policies	policy	NOUN
fsr-3181	359	30	that	that	PRON
fsr-3181	359	31	build	build	VERB
fsr-3181	359	32	up	up	ADP
fsr-3181	359	33	a	a	DET
fsr-3181	359	34	cash	cash	NOUN
fsr-3181	359	35	value	value	NOUN
fsr-3181	359	36	?	?	PUNCT
fsr-3181	360	1	(	(	PUNCT
fsr-3181	360	2	the	the	DET
fsr-3181	360	3	face	face	NOUN
fsr-3181	360	4	value	value	NOUN
fsr-3181	360	5	of	of	ADP
fsr-3181	360	6	a	a	DET
fsr-3181	360	7	policy	policy	NOUN
fsr-3181	360	8	is	be	AUX
fsr-3181	360	9	what	what	PRON
fsr-3181	360	10	the	the	DET
fsr-3181	360	11	policy	policy	NOUN
fsr-3181	360	12	would	would	AUX
fsr-3181	360	13	pay	pay	VERB
fsr-3181	360	14	in	in	ADP
fsr-3181	360	15	the	the	DET
fsr-3181	360	16	event	event	NOUN
fsr-3181	360	17	of	of	ADP
fsr-3181	360	18	death	death	NOUN
fsr-3181	360	19	.	.	PUNCT
fsr-3181	360	20	)	)	PUNCT
fsr-3181	361	1	x4006	x4006	NOUN
fsr-3181	361	2	:	:	PUNCT
fsr-3181	361	3	question	question	NOUN
fsr-3181	361	4	text	text	NOUN
fsr-3181	361	5	same	same	ADJ
fsr-3181	361	6	as	as	ADP
fsr-3181	361	7	2009	2009	NUM
fsr-3181	361	8	version	version	NOUN
fsr-3181	361	9	p4006	p4006	NOUN
fsr-3181	361	10	:	:	PUNCT
fsr-3181	361	11	if	if	SCONJ
fsr-3181	361	12	you	you	PRON
fsr-3181	361	13	cancelled	cancel	VERB
fsr-3181	361	14	these	these	DET
fsr-3181	361	15	policies	policy	NOUN
fsr-3181	361	16	now	now	ADV
fsr-3181	361	17	,	,	PUNCT
fsr-3181	361	18	how	how	SCONJ
fsr-3181	361	19	much	much	ADJ
fsr-3181	361	20	would	would	AUX
fsr-3181	361	21	you	you	PRON
fsr-3181	361	22	receive	receive	VERB
fsr-3181	361	23	from	from	ADP
fsr-3181	361	24	the	the	DET
fsr-3181	361	25	insurance	insurance	NOUN
fsr-3181	361	26	company	company	NOUN
fsr-3181	361	27	for	for	ADP
fsr-3181	361	28	the	the	DET
fsr-3181	361	29	payments	payment	NOUN
fsr-3181	361	30	you	you	PRON
fsr-3181	361	31	have	have	AUX
fsr-3181	361	32	made	make	VERB
fsr-3181	361	33	up	up	ADP
fsr-3181	361	34	to	to	ADP
fsr-3181	361	35	now	now	ADV
fsr-3181	361	36	?	?	PUNCT
fsr-3181	362	1	that	that	PRON
fsr-3181	362	2	is	be	AUX
fsr-3181	362	3	,	,	PUNCT
fsr-3181	362	4	what	what	PRON
fsr-3181	362	5	is	be	AUX
fsr-3181	362	6	the	the	DET
fsr-3181	362	7	current	current	ADJ
fsr-3181	362	8	"	"	PUNCT
fsr-3181	362	9	cash	cash	NOUN
fsr-3181	362	10	value	value	NOUN
fsr-3181	362	11	"	"	PUNCT
fsr-3181	362	12	of	of	ADP
fsr-3181	362	13	the	the	DET
fsr-3181	362	14	policies	policy	NOUN
fsr-3181	362	15	?	?	PUNCT
fsr-3181	363	1	https://www.federalreserve.gov/econres/files/codebk2009p.txt	https://www.federalreserve.gov/econres/files/codebk2009p.txt	PROPN
fsr-3181	363	2	wang	wang	PROPN
fsr-3181	363	3	et	et	PROPN
fsr-3181	363	4	al	al	PROPN
fsr-3181	363	5	.	.	PROPN
fsr-3181	363	6	21	21	NUM
fsr-3181	363	7	5	5	NUM
fsr-3181	363	8	.	.	PUNCT
fsr-3181	364	1	household	household	NOUN
fsr-3181	364	2	portfolio	portfolio	NOUN
fsr-3181	364	3	allocation	allocation	NOUN
fsr-3181	364	4	decisions	decision	NOUN
fsr-3181	364	5	p091460	p091460	PROPN
fsr-3181	364	6	:	:	PUNCT
fsr-3181	364	7	over	over	ADP
fsr-3181	364	8	this	this	DET
fsr-3181	364	9	time	time	NOUN
fsr-3181	364	10	,	,	PUNCT
fsr-3181	364	11	have	have	AUX
fsr-3181	364	12	you	you	PRON
fsr-3181	364	13	(	(	PUNCT
fsr-3181	364	14	and	and	CCONJ
fsr-3181	364	15	your	your	PRON
fsr-3181	364	16	family	family	NOUN
fsr-3181	364	17	)	)	PUNCT
fsr-3181	364	18	made	make	VERB
fsr-3181	364	19	decisions	decision	NOUN
fsr-3181	364	20	to	to	PART
fsr-3181	364	21	change	change	VERB
fsr-3181	364	22	the	the	DET
fsr-3181	364	23	ways	way	NOUN
fsr-3181	364	24	you	you	PRON
fsr-3181	364	25	arrange	arrange	VERB
fsr-3181	364	26	your	your	PRON
fsr-3181	364	27	money	money	NOUN
fsr-3181	364	28	or	or	CCONJ
fsr-3181	364	29	investments	investment	NOUN
fsr-3181	364	30	?	?	PUNCT
fsr-3181	365	1	p091421	p091421	NOUN
fsr-3181	365	2	:	:	PUNCT
fsr-3181	365	3	generally	generally	ADV
fsr-3181	365	4	,	,	PUNCT
fsr-3181	365	5	what	what	PRON
fsr-3181	365	6	were	be	AUX
fsr-3181	365	7	those	those	DET
fsr-3181	365	8	decisions	decision	NOUN
fsr-3181	365	9	?	?	PUNCT
fsr-3181	366	1	code	code	NOUN
fsr-3181	366	2	all	all	PRON
fsr-3181	366	3	that	that	PRON
fsr-3181	366	4	apply	apply	VERB
fsr-3181	366	5	2	2	NUM
fsr-3181	366	6	)	)	PUNCT
fsr-3181	366	7	invest	invest	VERB
fsr-3181	366	8	more	more	ADV
fsr-3181	366	9	in	in	ADP
fsr-3181	366	10	cds	cd	NOUN
fsr-3181	366	11	,	,	PUNCT
fsr-3181	366	12	other	other	ADJ
fsr-3181	366	13	deposits	deposit	NOUN
fsr-3181	366	14	,	,	PUNCT
fsr-3181	366	15	"	"	PUNCT
fsr-3181	366	16	cash	cash	NOUN
fsr-3181	366	17	"	"	PUNCT
fsr-3181	366	18	3	3	NUM
fsr-3181	366	19	)	)	PUNCT
fsr-3181	366	20	invest	invest	VERB
fsr-3181	366	21	less	less	ADJ
fsr-3181	366	22	in	in	ADP
fsr-3181	366	23	stocks	stock	NOUN
fsr-3181	366	24	12	12	NUM
fsr-3181	366	25	)	)	PUNCT
fsr-3181	366	26	invest	invest	VERB
fsr-3181	366	27	more	more	ADV
fsr-3181	366	28	in	in	ADP
fsr-3181	366	29	tax	tax	NOUN
fsr-3181	366	30	-	-	PUNCT
fsr-3181	366	31	exempt	exempt	ADJ
fsr-3181	366	32	bonds	bond	NOUN
fsr-3181	366	33	14	14	NUM
fsr-3181	366	34	)	)	PUNCT
fsr-3181	366	35	invest	invest	VERB
fsr-3181	366	36	more	more	ADV
fsr-3181	366	37	in	in	ADP
fsr-3181	366	38	treasury	treasury	PROPN
fsr-3181	366	39	bills	bill	NOUN
fsr-3181	366	40	/	/	SYM
fsr-3181	366	41	bonds	bond	NOUN
fsr-3181	366	42	16	16	NUM
fsr-3181	366	43	)	)	PUNCT
fsr-3181	366	44	invest	invest	VERB
fsr-3181	366	45	more	more	ADV
fsr-3181	366	46	in	in	ADP
fsr-3181	366	47	other	other	ADJ
fsr-3181	366	48	bonds	bond	NOUN
fsr-3181	366	49	17	17	NUM
fsr-3181	366	50	)	)	PUNCT
fsr-3181	366	51	invest	invest	VERB
fsr-3181	366	52	less	less	ADJ
fsr-3181	366	53	in	in	ADP
fsr-3181	366	54	retirement	retirement	NOUN
fsr-3181	366	55	assets	asset	NOUN
fsr-3181	366	56	(	(	PUNCT
fsr-3181	366	57	ira	ira	PROPN
fsr-3181	366	58	,	,	PUNCT
fsr-3181	366	59	keogh	keogh	PROPN
fsr-3181	366	60	,	,	PUNCT
fsr-3181	366	61	401(k	401(k	PROPN
fsr-3181	366	62	)	)	PUNCT
fsr-3181	366	63	,	,	PUNCT
fsr-3181	366	64	roth	roth	PROPN
fsr-3181	366	65	,	,	PUNCT
fsr-3181	366	66	etc	etc	X
fsr-3181	366	67	.	.	X
fsr-3181	366	68	)	)	PUNCT
fsr-3181	366	69	18	18	NUM
fsr-3181	366	70	)	)	PUNCT
fsr-3181	366	71	invest	invest	VERB
fsr-3181	366	72	more	more	ADV
fsr-3181	366	73	in	in	ADP
fsr-3181	366	74	retirement	retirement	NOUN
fsr-3181	366	75	assets	asset	NOUN
fsr-3181	366	76	(	(	PUNCT
fsr-3181	366	77	ira	ira	PROPN
fsr-3181	366	78	,	,	PUNCT
fsr-3181	366	79	keogh	keogh	PROPN
fsr-3181	366	80	,	,	PUNCT
fsr-3181	366	81	401(k	401(k	PROPN
fsr-3181	366	82	)	)	PUNCT
fsr-3181	366	83	,	,	PUNCT
fsr-3181	366	84	roth	roth	PROPN
fsr-3181	366	85	,	,	PUNCT
fsr-3181	366	86	etc	etc	X
fsr-3181	366	87	.	.	X
fsr-3181	366	88	)	)	PUNCT
fsr-3181	366	89	27	27	NUM
fsr-3181	366	90	)	)	PUNCT
fsr-3181	366	91	invest	invest	VERB
fsr-3181	366	92	less	less	ADJ
fsr-3181	366	93	for	for	ADP
fsr-3181	366	94	the	the	DET
fsr-3181	366	95	long	long	ADJ
fsr-3181	366	96	term	term	NOUN
fsr-3181	366	97	46	46	NUM
fsr-3181	366	98	)	)	PUNCT
fsr-3181	366	99	more	more	ADV
fsr-3181	366	100	conservative	conservative	ADJ
fsr-3181	366	101	/	/	SYM
fsr-3181	366	102	disciplined	discipline	VERB
fsr-3181	366	103	investments	investment	NOUN
fsr-3181	366	104	;	;	PUNCT
fsr-3181	366	105	less	less	ADJ
fsr-3181	366	106	risk	risk	NOUN
fsr-3181	366	107	/	/	SYM
fsr-3181	366	108	aggressive	aggressive	ADJ
fsr-3181	366	109	65	65	NUM
fsr-3181	366	110	)	)	PUNCT
fsr-3181	366	111	spend	spend	VERB
fsr-3181	366	112	less	less	ADJ
fsr-3181	366	113	,	,	PUNCT
fsr-3181	366	114	cut	cut	VERB
fsr-3181	366	115	back	back	ADV
fsr-3181	366	116	88	88	NUM
fsr-3181	366	117	)	)	PUNCT
fsr-3181	366	118	pay	pay	VERB
fsr-3181	366	119	off	off	ADP
fsr-3181	366	120	debt	debt	NOUN
fsr-3181	366	121	financial	financial	ADJ
fsr-3181	366	122	services	service	NOUN
fsr-3181	366	123	review	review	PROPN
fsr-3181	366	124	,	,	PUNCT
fsr-3181	366	125	32(1	32(1	NUM
fsr-3181	366	126	)	)	PUNCT
fsr-3181	366	127	22	22	NUM
fsr-3181	366	128	appendix	appendix	NOUN
fsr-3181	366	129	b	b	PROPN
fsr-3181	366	130	table	table	NOUN
fsr-3181	366	131	b1	b1	NOUN
fsr-3181	366	132	.	.	PUNCT
fsr-3181	367	1	robustness	robustness	NOUN
fsr-3181	367	2	test	test	NOUN
fsr-3181	367	3	results	result	NOUN
fsr-3181	367	4	for	for	ADP
fsr-3181	367	5	new	new	ADJ
fsr-3181	367	6	life	life	NOUN
fsr-3181	367	7	insurance	insurance	NOUN
fsr-3181	367	8	ownership	ownership	NOUN
fsr-3181	367	9	using	use	VERB
fsr-3181	367	10	the	the	DET
fsr-3181	367	11	iv	iv	NUM
fsr-3181	367	12	approach	approach	NOUN
fsr-3181	367	13	dependent	dependent	ADJ
fsr-3181	367	14	variable	variable	ADJ
fsr-3181	367	15	newincrterm	newincrterm	NOUN
fsr-3181	367	16	newincrwhole	newincrwhole	NOUN
fsr-3181	367	17	independent	independent	ADJ
fsr-3181	367	18	variables	variable	NOUN
fsr-3181	367	19	coefficient	coefficient	NOUN
fsr-3181	367	20	estimate	estimate	VERB
fsr-3181	367	21	standard	standard	ADJ
fsr-3181	367	22	error	error	NOUN
fsr-3181	367	23	coefficient	coefficient	NOUN
fsr-3181	367	24	estimate	estimate	VERB
fsr-3181	367	25	standard	standard	ADJ
fsr-3181	367	26	error	error	NOUN
fsr-3181	367	27	invmorecash	invmorecash	NOUN
fsr-3181	367	28	-0.3532	-0.3532	VERB
fsr-3181	368	1	0.1783	0.1783	NUM
fsr-3181	368	2	*	*	PUNCT
fsr-3181	368	3	*	*	PUNCT
fsr-3181	368	4	-0.0457	-0.0457	NOUN
fsr-3181	368	5	0.1799	0.1799	NUM
fsr-3181	368	6	invmorebonds	invmorebond	VERB
fsr-3181	368	7	0.4087	0.4087	NUM
fsr-3181	368	8	0.2058	0.2058	NUM
fsr-3181	368	9	*	*	PUNCT
fsr-3181	368	10	*	*	PUNCT
fsr-3181	368	11	-0.0956	-0.0956	NOUN
fsr-3181	369	1	0.2911	0.2911	NUM
fsr-3181	369	2	invlessstock	invlessstock	NOUN
fsr-3181	369	3	-0.1164	-0.1164	NOUN
fsr-3181	369	4	0.1247	0.1247	NUM
fsr-3181	369	5	0.1323	0.1323	NUM
fsr-3181	369	6	0.1281	0.1281	NUM
fsr-3181	369	7	invmorera	invmorera	NOUN
fsr-3181	369	8	0.3705	0.3705	NUM
fsr-3181	369	9	0.1947	0.1947	NUM
fsr-3181	369	10	*	*	PUNCT
fsr-3181	369	11	-0.4277	-0.4277	PROPN
fsr-3181	369	12	0.2662	0.2662	NUM
fsr-3181	369	13	paydebt	paydebt	NOUN
fsr-3181	369	14	0.3190	0.3190	NUM
fsr-3181	369	15	0.1685	0.1685	NUM
fsr-3181	369	16	*	*	PUNCT
fsr-3181	369	17	spendless	spendless	NOUN
fsr-3181	369	18	0.1465	0.1465	NUM
fsr-3181	369	19	0.0668	0.0668	NUM
fsr-3181	369	20	*	*	PUNCT
fsr-3181	369	21	*	*	PUNCT
fsr-3181	369	22	moreriskaver	moreriskaver	NOUN
fsr-3181	369	23	-0.1436	-0.1436	NOUN
fsr-3181	369	24	0.0793	0.0793	NUM
fsr-3181	369	25	*	*	PUNCT
fsr-3181	369	26	-0.0884	-0.0884	NOUN
fsr-3181	369	27	0.0824	0.0824	NUM
fsr-3181	369	28	invlesslong	invlesslong	NOUN
fsr-3181	369	29	0.2979	0.2979	NUM
fsr-3181	369	30	0.1764	0.1764	NUM
fsr-3181	369	31	*	*	PUNCT
fsr-3181	369	32	-0.2173	-0.2173	PROPN
fsr-3181	369	33	0.2760	0.2760	NUM
fsr-3181	369	34	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	369	35	(	(	PUNCT
fsr-3181	369	36	iv	iv	X
fsr-3181	369	37	)	)	PUNCT
fsr-3181	369	38	-2.8799	-2.8799	NOUN
fsr-3181	370	1	1.0204	1.0204	NUM
fsr-3181	370	2	*	*	PUNCT
fsr-3181	370	3	*	*	PUNCT
fsr-3181	370	4	*	*	NOUN
fsr-3181	370	5	dropdecrterm	dropdecrterm	PROPN
fsr-3181	370	6	(	(	PUNCT
fsr-3181	370	7	iv	iv	X
fsr-3181	370	8	)	)	PUNCT
fsr-3181	370	9	1.2009	1.2009	NUM
fsr-3181	370	10	1.3608	1.3608	NUM
fsr-3181	370	11	work	work	NOUN
fsr-3181	370	12	0.0852	0.0852	NUM
fsr-3181	370	13	0.0668	0.0668	NUM
fsr-3181	370	14	-0.0885	-0.0885	NOUN
fsr-3181	370	15	0.1392	0.1392	NUM
fsr-3181	370	16	lnincome	lnincome	NOUN
fsr-3181	370	17	0.0107	0.0107	NUM
fsr-3181	370	18	0.0153	0.0153	NUM
fsr-3181	370	19	0.0177	0.0177	NUM
fsr-3181	370	20	0.0177	0.0177	NUM
fsr-3181	370	21	lnnetworth	lnnetworth	NOUN
fsr-3181	370	22	0.0143	0.0143	NUM
fsr-3181	370	23	0.0100	0.0100	NUM
fsr-3181	370	24	0.0427	0.0427	NUM
fsr-3181	370	25	0.0125	0.0125	NUM
fsr-3181	370	26	*	*	PUNCT
fsr-3181	371	1	*	*	PUNCT
fsr-3181	371	2	*	*	PUNCT
fsr-3181	371	3	married	marry	VERB
fsr-3181	371	4	0.2826	0.2826	NUM
fsr-3181	371	5	0.0701	0.0701	NUM
fsr-3181	371	6	*	*	PUNCT
fsr-3181	371	7	*	*	PUNCT
fsr-3181	371	8	*	*	NOUN
fsr-3181	371	9	-0.0427	-0.0427	NOUN
fsr-3181	371	10	0.1034	0.1034	NUM
fsr-3181	371	11	risk	risk	NOUN
fsr-3181	371	12	-0.2871	-0.2871	NOUN
fsr-3181	372	1	0.0797	0.0797	NUM
fsr-3181	372	2	*	*	PUNCT
fsr-3181	372	3	*	*	PUNCT
fsr-3181	372	4	*	*	PUNCT
fsr-3181	372	5	-0.0227	-0.0227	NOUN
fsr-3181	372	6	0.0639	0.0639	NUM
fsr-3181	372	7	stockshare	stockshare	NOUN
fsr-3181	372	8	-0.0013	-0.0013	VERB
fsr-3181	372	9	0.0013	0.0013	NUM
fsr-3181	372	10	-0.0044	-0.0044	PUNCT
fsr-3181	373	1	0.0021	0.0021	NUM
fsr-3181	373	2	*	*	PUNCT
fsr-3181	373	3	age3549	age3549	PROPN
fsr-3181	373	4	0.0176	0.0176	NUM
fsr-3181	373	5	0.0706	0.0706	NUM
fsr-3181	373	6	0.0490	0.0490	NUM
fsr-3181	373	7	0.1018	0.1018	NUM
fsr-3181	373	8	age5064	age5064	NOUN
fsr-3181	373	9	-0.0226	-0.0226	NOUN
fsr-3181	373	10	0.1048	0.1048	NUM
fsr-3181	373	11	0.0462	0.0462	NUM
fsr-3181	373	12	0.1704	0.1704	NUM
fsr-3181	373	13	age65	age65	NOUN
fsr-3181	373	14	_	_	NOUN
fsr-3181	373	15	-0.2841	-0.2841	NOUN
fsr-3181	374	1	0.1315	0.1315	NUM
fsr-3181	374	2	*	*	PUNCT
fsr-3181	374	3	0.2676	0.2676	NUM
fsr-3181	374	4	0.1104	0.1104	NUM
fsr-3181	374	5	*	*	PUNCT
fsr-3181	374	6	kid	kid	NOUN
fsr-3181	374	7	0.0316	0.0316	NUM
fsr-3181	374	8	0.0246	0.0246	NUM
fsr-3181	374	9	-0.0077	-0.0077	PROPN
fsr-3181	375	1	0.0235	0.0235	NUM
fsr-3181	375	2	white	white	ADJ
fsr-3181	375	3	0.0945	0.0945	NUM
fsr-3181	375	4	0.0578	0.0578	NUM
fsr-3181	375	5	-0.0607	-0.0607	NOUN
fsr-3181	375	6	0.0672	0.0672	NUM
fsr-3181	375	7	college	college	NOUN
fsr-3181	375	8	0.0860	0.0860	NUM
fsr-3181	375	9	0.0550	0.0550	NUM
fsr-3181	375	10	0.0304	0.0304	NUM
fsr-3181	375	11	0.0746	0.0746	NUM
fsr-3181	375	12	homeowner	homeowner	NOUN
fsr-3181	375	13	0.2677	0.2677	NUM
fsr-3181	375	14	0.0760	0.0760	NUM
fsr-3181	375	15	*	*	PUNCT
fsr-3181	375	16	*	*	PUNCT
fsr-3181	375	17	*	*	PUNCT
fsr-3181	375	18	0.0475	0.0475	NUM
fsr-3181	375	19	0.1059	0.1059	NUM
fsr-3181	375	20	intercept	intercept	NOUN
fsr-3181	375	21	-0.8122	-0.8122	NOUN
fsr-3181	375	22	0.1503	0.1503	NUM
fsr-3181	375	23	*	*	PUNCT
fsr-3181	375	24	*	*	PUNCT
fsr-3181	375	25	*	*	NOUN
fsr-3181	375	26	-1.9914	-1.9914	PROPN
fsr-3181	375	27	0.2378	0.2378	NUM
fsr-3181	375	28	*	*	PUNCT
fsr-3181	375	29	*	*	PUNCT
fsr-3181	375	30	*	*	VERB
fsr-3181	375	31	observations	observation	NOUN
fsr-3181	375	32	3857	3857	NUM
fsr-3181	375	33	3857	3857	NUM
fsr-3181	375	34	pseudo	pseudo	NOUN
fsr-3181	375	35	r	r	NOUN
fsr-3181	375	36	-	-	PUNCT
fsr-3181	375	37	square	square	ADJ
fsr-3181	375	38	0.046	0.046	NUM
fsr-3181	375	39	0.032	0.032	NUM
fsr-3181	375	40	regression	regression	NOUN
fsr-3181	375	41	models	model	NOUN
fsr-3181	375	42	(	(	PUNCT
fsr-3181	375	43	1	1	NUM
fsr-3181	375	44	)	)	PUNCT
fsr-3181	375	45	(	(	PUNCT
fsr-3181	375	46	2	2	X
fsr-3181	375	47	)	)	PUNCT
fsr-3181	375	48	note	note	NOUN
fsr-3181	375	49	:	:	PUNCT
fsr-3181	375	50	the	the	DET
fsr-3181	375	51	results	result	NOUN
fsr-3181	375	52	of	of	ADP
fsr-3181	375	53	this	this	DET
fsr-3181	375	54	robustness	robustness	NOUN
fsr-3181	375	55	check	check	NOUN
fsr-3181	375	56	by	by	ADP
fsr-3181	375	57	using	use	VERB
fsr-3181	375	58	the	the	DET
fsr-3181	375	59	instrumental	instrumental	ADJ
fsr-3181	375	60	variable	variable	NOUN
fsr-3181	375	61	(	(	PUNCT
fsr-3181	375	62	iv	iv	X
fsr-3181	375	63	)	)	PUNCT
fsr-3181	375	64	approach	approach	NOUN
fsr-3181	375	65	presented	present	VERB
fsr-3181	375	66	in	in	ADP
fsr-3181	375	67	table	table	NOUN
fsr-3181	375	68	b1	b1	NOUN
fsr-3181	375	69	show	show	VERB
fsr-3181	375	70	that	that	SCONJ
fsr-3181	375	71	new	new	ADJ
fsr-3181	375	72	term	term	NOUN
fsr-3181	375	73	life	life	NOUN
fsr-3181	375	74	insurance	insurance	NOUN
fsr-3181	375	75	ownership	ownership	NOUN
fsr-3181	375	76	is	be	AUX
fsr-3181	375	77	negatively	negatively	ADV
fsr-3181	375	78	associated	associate	VERB
fsr-3181	375	79	with	with	ADP
fsr-3181	375	80	household	household	NOUN
fsr-3181	375	81	decisions	decision	NOUN
fsr-3181	375	82	to	to	PART
fsr-3181	375	83	invest	invest	VERB
fsr-3181	375	84	more	more	ADV
fsr-3181	375	85	in	in	ADP
fsr-3181	375	86	cash	cash	NOUN
fsr-3181	375	87	and	and	CCONJ
fsr-3181	375	88	cash	cash	NOUN
fsr-3181	375	89	equivalents	equivalent	NOUN
fsr-3181	375	90	and	and	CCONJ
fsr-3181	375	91	to	to	PART
fsr-3181	375	92	become	become	VERB
fsr-3181	375	93	more	more	ADJ
fsr-3181	375	94	risk	risk	NOUN
fsr-3181	375	95	averse	averse	ADJ
fsr-3181	375	96	,	,	PUNCT
fsr-3181	375	97	and	and	CCONJ
fsr-3181	375	98	positively	positively	ADV
fsr-3181	375	99	associated	associate	VERB
fsr-3181	375	100	with	with	ADP
fsr-3181	375	101	household	household	NOUN
fsr-3181	375	102	decisions	decision	NOUN
fsr-3181	375	103	to	to	PART
fsr-3181	375	104	invest	invest	VERB
fsr-3181	375	105	more	more	ADV
fsr-3181	375	106	in	in	ADP
fsr-3181	375	107	retirement	retirement	NOUN
fsr-3181	375	108	assets	asset	NOUN
fsr-3181	375	109	and	and	CCONJ
fsr-3181	375	110	less	less	ADJ
fsr-3181	375	111	for	for	ADP
fsr-3181	375	112	the	the	DET
fsr-3181	375	113	long	long	ADJ
fsr-3181	375	114	term	term	NOUN
fsr-3181	375	115	;	;	PUNCT
fsr-3181	375	116	and	and	CCONJ
fsr-3181	375	117	new	new	ADJ
fsr-3181	375	118	whole	whole	ADJ
fsr-3181	375	119	life	life	NOUN
fsr-3181	375	120	insurance	insurance	NOUN
fsr-3181	375	121	ownership	ownership	NOUN
fsr-3181	375	122	is	be	AUX
fsr-3181	375	123	positively	positively	ADV
fsr-3181	375	124	associated	associate	VERB
fsr-3181	375	125	with	with	ADP
fsr-3181	375	126	household	household	NOUN
fsr-3181	375	127	decisions	decision	NOUN
fsr-3181	375	128	to	to	PART
fsr-3181	375	129	pay	pay	VERB
fsr-3181	375	130	off	off	ADP
fsr-3181	375	131	debts	debt	NOUN
fsr-3181	375	132	and	and	CCONJ
fsr-3181	375	133	to	to	PART
fsr-3181	375	134	spend	spend	VERB
fsr-3181	375	135	less	less	ADJ
fsr-3181	375	136	during	during	ADP
fsr-3181	375	137	recessions	recession	NOUN
fsr-3181	375	138	.	.	PUNCT
fsr-3181	376	1	all	all	DET
fsr-3181	376	2	these	these	DET
fsr-3181	376	3	results	result	NOUN
fsr-3181	376	4	largely	largely	ADV
fsr-3181	376	5	confirm	confirm	VERB
fsr-3181	376	6	our	our	PRON
fsr-3181	376	7	findings	finding	NOUN
fsr-3181	376	8	in	in	ADP
fsr-3181	376	9	this	this	DET
fsr-3181	376	10	paper	paper	NOUN
fsr-3181	376	11	.	.	PUNCT
fsr-3181	377	1	wang	wang	PROPN
fsr-3181	377	2	et	et	PROPN
fsr-3181	377	3	al	al	PROPN
fsr-3181	377	4	.	.	PROPN
fsr-3181	377	5	23	23	NUM
fsr-3181	377	6	table	table	NOUN
fsr-3181	377	7	b2	b2	NOUN
fsr-3181	377	8	.	.	PUNCT
fsr-3181	378	1	robustness	robustness	NOUN
fsr-3181	378	2	test	test	NOUN
fsr-3181	378	3	results	result	NOUN
fsr-3181	378	4	for	for	ADP
fsr-3181	378	5	dropped	drop	VERB
fsr-3181	378	6	life	life	NOUN
fsr-3181	378	7	insurance	insurance	NOUN
fsr-3181	378	8	ownership	ownership	NOUN
fsr-3181	378	9	using	use	VERB
fsr-3181	378	10	the	the	DET
fsr-3181	378	11	iv	iv	NUM
fsr-3181	378	12	approach	approach	NOUN
fsr-3181	378	13	dependent	dependent	ADJ
fsr-3181	378	14	variable	variable	ADJ
fsr-3181	378	15	dropdecrterm	dropdecrterm	NOUN
fsr-3181	378	16	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	378	17	independent	independent	ADJ
fsr-3181	378	18	variables	variable	NOUN
fsr-3181	378	19	coefficient	coefficient	NOUN
fsr-3181	378	20	estimate	estimate	VERB
fsr-3181	378	21	standard	standard	ADJ
fsr-3181	378	22	error	error	NOUN
fsr-3181	378	23	coefficient	coefficient	NOUN
fsr-3181	378	24	estimate	estimate	VERB
fsr-3181	379	1	standard	standard	ADJ
fsr-3181	379	2	error	error	NOUN
fsr-3181	379	3	invmorecash	invmorecash	NOUN
fsr-3181	379	4	-0.0810	-0.0810	NOUN
fsr-3181	379	5	0.1702	0.1702	NUM
fsr-3181	379	6	0.1050	0.1050	NUM
fsr-3181	379	7	0.2051	0.2051	NUM
fsr-3181	379	8	invmorebonds	invmorebond	NOUN
fsr-3181	379	9	-0.4368	-0.4368	NOUN
fsr-3181	380	1	0.2241	0.2241	NUM
fsr-3181	380	2	*	*	PUNCT
fsr-3181	380	3	0.1551	0.1551	NUM
fsr-3181	380	4	0.2275	0.2275	NUM
fsr-3181	380	5	invlessstock	invlessstock	PROPN
fsr-3181	380	6	-0.0267	-0.0267	NOUN
fsr-3181	380	7	0.1272	0.1272	NUM
fsr-3181	380	8	-0.0094	-0.0094	NOUN
fsr-3181	381	1	0.1327	0.1327	NUM
fsr-3181	381	2	invlessra	invlessra	ADJ
fsr-3181	381	3	0.3908	0.3908	NUM
fsr-3181	381	4	0.1829	0.1829	NUM
fsr-3181	381	5	*	*	PUNCT
fsr-3181	381	6	*	*	PUNCT
fsr-3181	381	7	-0.3009	-0.3009	NOUN
fsr-3181	381	8	0.2641	0.2641	NUM
fsr-3181	381	9	paydebt	paydebt	NOUN
fsr-3181	381	10	-0.0587	-0.0587	PROPN
fsr-3181	381	11	0.1873	0.1873	NUM
fsr-3181	381	12	spendless	spendless	NOUN
fsr-3181	381	13	0.1501	0.1501	NUM
fsr-3181	381	14	0.0669	0.0669	NUM
fsr-3181	381	15	*	*	PUNCT
fsr-3181	381	16	*	*	PUNCT
fsr-3181	381	17	invlesslong	invlesslong	PROPN
fsr-3181	381	18	-0.4431	-0.4431	ADJ
fsr-3181	381	19	0.2146	0.2146	NUM
fsr-3181	381	20	*	*	PUNCT
fsr-3181	381	21	*	*	NOUN
fsr-3181	381	22	-0.0959	-0.0959	NOUN
fsr-3181	381	23	0.2277	0.2277	NUM
fsr-3181	381	24	newincrwhole	newincrwhole	NOUN
fsr-3181	381	25	(	(	PUNCT
fsr-3181	381	26	iv	iv	NUM
fsr-3181	381	27	)	)	PUNCT
fsr-3181	381	28	-0.3176	-0.3176	NOUN
fsr-3181	381	29	0.8378	0.8378	NUM
fsr-3181	381	30	newincrterm	newincrterm	NOUN
fsr-3181	381	31	(	(	PUNCT
fsr-3181	381	32	iv	iv	X
fsr-3181	381	33	)	)	PUNCT
fsr-3181	381	34	0.4317	0.4317	NUM
fsr-3181	381	35	1.0116	1.0116	NUM
fsr-3181	381	36	work	work	NOUN
fsr-3181	381	37	0.2845	0.2845	NUM
fsr-3181	381	38	0.0629	0.0629	NUM
fsr-3181	381	39	*	*	PUNCT
fsr-3181	381	40	*	*	PUNCT
fsr-3181	381	41	*	*	PUNCT
fsr-3181	381	42	-0.0822	-0.0822	NOUN
fsr-3181	381	43	0.0799	0.0799	NUM
fsr-3181	381	44	lnincome	lnincome	NOUN
fsr-3181	381	45	0.0001	0.0001	NUM
fsr-3181	381	46	0.0148	0.0148	NUM
fsr-3181	381	47	0.0117	0.0117	NUM
fsr-3181	381	48	0.0176	0.0176	NUM
fsr-3181	381	49	lnnetworth	lnnetworth	NOUN
fsr-3181	381	50	-0.0050	-0.0050	VERB
fsr-3181	382	1	0.0100	0.0100	NUM
fsr-3181	382	2	0.0313	0.0313	NUM
fsr-3181	382	3	0.0114	0.0114	NUM
fsr-3181	383	1	*	*	PUNCT
fsr-3181	383	2	*	*	PUNCT
fsr-3181	383	3	married	marry	VERB
fsr-3181	383	4	0.1911	0.1911	NUM
fsr-3181	383	5	0.0550	0.0550	NUM
fsr-3181	384	1	*	*	PUNCT
fsr-3181	384	2	*	*	PUNCT
fsr-3181	384	3	*	*	X
fsr-3181	384	4	0.1618	0.1618	NUM
fsr-3181	384	5	0.0803	0.0803	NUM
fsr-3181	384	6	*	*	PUNCT
fsr-3181	384	7	risk	risk	NOUN
fsr-3181	384	8	0.0199	0.0199	NUM
fsr-3181	384	9	0.0569	0.0569	NUM
fsr-3181	384	10	-0.2324	-0.2324	NOUN
fsr-3181	384	11	0.0775	0.0775	NUM
fsr-3181	385	1	*	*	PUNCT
fsr-3181	385	2	*	*	PUNCT
fsr-3181	385	3	stockshare	stockshare	VERB
fsr-3181	385	4	0.0003	0.0003	NUM
fsr-3181	385	5	0.0004	0.0004	NUM
fsr-3181	385	6	-0.0012	-0.0012	NOUN
fsr-3181	385	7	0.0017	0.0017	NUM
fsr-3181	385	8	age3549	age3549	NOUN
fsr-3181	385	9	0.1272	0.1272	NUM
fsr-3181	385	10	0.0742	0.0742	NUM
fsr-3181	385	11	.	.	PUNCT
fsr-3181	386	1	0.0060	0.0060	NUM
fsr-3181	386	2	0.0927	0.0927	NUM
fsr-3181	386	3	age5064	age5064	NOUN
fsr-3181	386	4	0.3311	0.3311	NUM
fsr-3181	386	5	0.0836	0.0836	NUM
fsr-3181	386	6	*	*	PUNCT
fsr-3181	386	7	*	*	PUNCT
fsr-3181	386	8	*	*	PUNCT
fsr-3181	386	9	0.3185	0.3185	NUM
fsr-3181	386	10	0.1236	0.1236	NUM
fsr-3181	386	11	*	*	PUNCT
fsr-3181	386	12	*	*	PUNCT
fsr-3181	386	13	age65	age65	PROPN
fsr-3181	386	14	_	_	NOUN
fsr-3181	386	15	0.1078	0.1078	NUM
fsr-3181	386	16	0.1134	0.1134	NUM
fsr-3181	386	17	0.4120	0.4120	NUM
fsr-3181	386	18	0.2008	0.2008	NUM
fsr-3181	386	19	*	*	PUNCT
fsr-3181	386	20	kid	kid	NOUN
fsr-3181	387	1	0.0046	0.0046	NUM
fsr-3181	387	2	0.0202	0.0202	NUM
fsr-3181	387	3	0.0554	0.0554	NUM
fsr-3181	387	4	0.0231	0.0231	NUM
fsr-3181	387	5	*	*	PUNCT
fsr-3181	387	6	white	white	ADJ
fsr-3181	387	7	-0.0556	-0.0556	NOUN
fsr-3181	387	8	0.0596	0.0596	NUM
fsr-3181	387	9	0.0059	0.0059	NUM
fsr-3181	387	10	0.0732	0.0732	NUM
fsr-3181	387	11	college	college	NOUN
fsr-3181	387	12	0.1033	0.1033	NUM
fsr-3181	387	13	0.0539	0.0539	NUM
fsr-3181	387	14	0.0350	0.0350	NUM
fsr-3181	387	15	0.0638	0.0638	NUM
fsr-3181	387	16	homeowner	homeowner	NOUN
fsr-3181	387	17	0.1679	0.1679	NUM
fsr-3181	387	18	0.0735	0.0735	NUM
fsr-3181	387	19	*	*	PUNCT
fsr-3181	387	20	0.1454	0.1454	NUM
fsr-3181	387	21	0.1025	0.1025	NUM
fsr-3181	387	22	intercept	intercept	NOUN
fsr-3181	387	23	-1.1304	-1.1304	NOUN
fsr-3181	387	24	0.1498	0.1498	NUM
fsr-3181	387	25	*	*	PUNCT
fsr-3181	387	26	*	*	PUNCT
fsr-3181	387	27	*	*	PUNCT
fsr-3181	387	28	-1.9594	-1.9594	X
fsr-3181	387	29	0.3301	0.3301	NUM
fsr-3181	388	1	*	*	PUNCT
fsr-3181	388	2	*	*	PUNCT
fsr-3181	388	3	*	*	VERB
fsr-3181	388	4	observations	observation	NOUN
fsr-3181	388	5	3857	3857	NUM
fsr-3181	388	6	3857	3857	NUM
fsr-3181	388	7	pseudo	pseudo	NOUN
fsr-3181	388	8	r	r	NOUN
fsr-3181	388	9	-	-	PUNCT
fsr-3181	388	10	square	square	ADJ
fsr-3181	388	11	0.033	0.033	NUM
fsr-3181	388	12	0.055	0.055	NUM
fsr-3181	388	13	regression	regression	NOUN
fsr-3181	388	14	models	model	NOUN
fsr-3181	388	15	(	(	PUNCT
fsr-3181	388	16	3	3	NUM
fsr-3181	388	17	)	)	PUNCT
fsr-3181	388	18	(	(	PUNCT
fsr-3181	388	19	4	4	X
fsr-3181	388	20	)	)	PUNCT
fsr-3181	388	21	note	note	NOUN
fsr-3181	388	22	:	:	PUNCT
fsr-3181	388	23	the	the	DET
fsr-3181	388	24	results	result	NOUN
fsr-3181	388	25	of	of	ADP
fsr-3181	388	26	this	this	DET
fsr-3181	388	27	robustness	robustness	NOUN
fsr-3181	388	28	check	check	NOUN
fsr-3181	388	29	by	by	ADP
fsr-3181	388	30	using	use	VERB
fsr-3181	388	31	the	the	DET
fsr-3181	388	32	iv	iv	NUM
fsr-3181	388	33	approach	approach	NOUN
fsr-3181	388	34	presented	present	VERB
fsr-3181	388	35	in	in	ADP
fsr-3181	388	36	table	table	NOUN
fsr-3181	388	37	b2	b2	NOUN
fsr-3181	388	38	show	show	NOUN
fsr-3181	388	39	that	that	PRON
fsr-3181	388	40	dropped	drop	VERB
fsr-3181	388	41	term	term	NOUN
fsr-3181	388	42	life	life	NOUN
fsr-3181	388	43	insurance	insurance	NOUN
fsr-3181	388	44	ownership	ownership	NOUN
fsr-3181	388	45	is	be	AUX
fsr-3181	388	46	negatively	negatively	ADV
fsr-3181	388	47	associated	associate	VERB
fsr-3181	388	48	with	with	ADP
fsr-3181	388	49	household	household	NOUN
fsr-3181	388	50	decisions	decision	NOUN
fsr-3181	388	51	to	to	PART
fsr-3181	388	52	invest	invest	VERB
fsr-3181	388	53	more	more	ADJ
fsr-3181	388	54	in	in	ADP
fsr-3181	388	55	bonds	bond	NOUN
fsr-3181	388	56	and	and	CCONJ
fsr-3181	388	57	less	less	ADJ
fsr-3181	388	58	for	for	ADP
fsr-3181	388	59	the	the	DET
fsr-3181	388	60	long	long	ADJ
fsr-3181	388	61	term	term	NOUN
fsr-3181	388	62	,	,	PUNCT
fsr-3181	388	63	and	and	CCONJ
fsr-3181	388	64	positively	positively	ADV
fsr-3181	388	65	associated	associate	VERB
fsr-3181	388	66	with	with	ADP
fsr-3181	388	67	household	household	NOUN
fsr-3181	388	68	decisions	decision	NOUN
fsr-3181	388	69	to	to	PART
fsr-3181	388	70	invest	invest	VERB
fsr-3181	388	71	less	less	ADJ
fsr-3181	388	72	in	in	ADP
fsr-3181	388	73	retirement	retirement	NOUN
fsr-3181	388	74	assets	asset	NOUN
fsr-3181	388	75	;	;	PUNCT
fsr-3181	388	76	and	and	CCONJ
fsr-3181	388	77	dropped	drop	VERB
fsr-3181	388	78	whole	whole	ADJ
fsr-3181	388	79	life	life	NOUN
fsr-3181	388	80	insurance	insurance	NOUN
fsr-3181	388	81	ownership	ownership	NOUN
fsr-3181	388	82	is	be	AUX
fsr-3181	388	83	positive	positive	ADJ
fsr-3181	388	84	associated	associate	VERB
fsr-3181	388	85	with	with	ADP
fsr-3181	388	86	household	household	NOUN
fsr-3181	388	87	decisions	decision	NOUN
fsr-3181	388	88	to	to	PART
fsr-3181	388	89	spend	spend	VERB
fsr-3181	388	90	less	less	ADJ
fsr-3181	388	91	.	.	PUNCT
fsr-3181	389	1	all	all	DET
fsr-3181	389	2	these	these	DET
fsr-3181	389	3	results	result	NOUN
fsr-3181	389	4	largely	largely	ADV
fsr-3181	389	5	confirm	confirm	VERB
fsr-3181	389	6	our	our	PRON
fsr-3181	389	7	findings	finding	NOUN
fsr-3181	389	8	in	in	ADP
fsr-3181	389	9	this	this	DET
fsr-3181	389	10	paper	paper	NOUN
fsr-3181	389	11	.	.	PUNCT
fsr-3181	390	1	financial	financial	ADJ
fsr-3181	390	2	services	services	PROPN
fsr-3181	390	3	review	review	PROPN
fsr-3181	390	4	,	,	PUNCT
fsr-3181	390	5	32(1	32(1	NUM
fsr-3181	390	6	)	)	PUNCT
fsr-3181	390	7	24	24	NUM
fsr-3181	390	8	table	table	NOUN
fsr-3181	390	9	b3	b3	NOUN
fsr-3181	390	10	.	.	PUNCT
fsr-3181	391	1	robustness	robustness	NOUN
fsr-3181	391	2	test	test	NOUN
fsr-3181	391	3	results	result	NOUN
fsr-3181	391	4	for	for	ADP
fsr-3181	391	5	new	new	ADJ
fsr-3181	391	6	life	life	NOUN
fsr-3181	391	7	insurance	insurance	NOUN
fsr-3181	391	8	ownership	ownership	NOUN
fsr-3181	391	9	using	use	VERB
fsr-3181	391	10	the	the	DET
fsr-3181	391	11	2009	2009	NUM
fsr-3181	391	12	control	control	NOUN
fsr-3181	391	13	variables	variable	VERB
fsr-3181	391	14	dependent	dependent	ADJ
fsr-3181	391	15	variable	variable	ADJ
fsr-3181	391	16	newincrterm	newincrterm	NOUN
fsr-3181	391	17	newincrwhole	newincrwhole	NOUN
fsr-3181	391	18	independent	independent	ADJ
fsr-3181	391	19	variables	variable	NOUN
fsr-3181	391	20	coefficient	coefficient	NOUN
fsr-3181	391	21	estimate	estimate	VERB
fsr-3181	391	22	standard	standard	ADJ
fsr-3181	391	23	error	error	NOUN
fsr-3181	391	24	coefficient	coefficient	NOUN
fsr-3181	391	25	estimate	estimate	VERB
fsr-3181	391	26	standard	standard	ADJ
fsr-3181	391	27	error	error	NOUN
fsr-3181	391	28	invmorecash	invmorecash	NOUN
fsr-3181	391	29	-0.4342	-0.4342	NOUN
fsr-3181	392	1	0.1883	0.1883	NUM
fsr-3181	392	2	*	*	PUNCT
fsr-3181	392	3	*	*	AUX
fsr-3181	392	4	-0.0672	-0.0672	NOUN
fsr-3181	392	5	0.1804	0.1804	NOUN
fsr-3181	392	6	invmorebonds	invmorebond	VERB
fsr-3181	392	7	0.2006	0.2006	NUM
fsr-3181	392	8	0.2065	0.2065	NUM
fsr-3181	392	9	-0.2031	-0.2031	NOUN
fsr-3181	392	10	0.2315	0.2315	NUM
fsr-3181	392	11	invlessstock	invlessstock	NOUN
fsr-3181	392	12	-0.0774	-0.0774	PUNCT
fsr-3181	392	13	0.1272	0.1272	NUM
fsr-3181	392	14	0.1012	0.1012	NUM
fsr-3181	392	15	0.1295	0.1295	NUM
fsr-3181	392	16	invmorera	invmorera	NOUN
fsr-3181	392	17	0.3804	0.3804	NOUN
fsr-3181	392	18	0.1936	0.1936	NUM
fsr-3181	392	19	*	*	PUNCT
fsr-3181	392	20	*	*	PUNCT
fsr-3181	392	21	-0.4773	-0.4773	NOUN
fsr-3181	393	1	0.2762	0.2762	NUM
fsr-3181	393	2	*	*	PUNCT
fsr-3181	393	3	paydebt	paydebt	PROPN
fsr-3181	393	4	0.2801	0.2801	NUM
fsr-3181	393	5	0.1652	0.1652	NUM
fsr-3181	393	6	*	*	PUNCT
fsr-3181	393	7	spendless	spendless	NOUN
fsr-3181	393	8	0.1677	0.1677	NUM
fsr-3181	393	9	0.0674	0.0674	NUM
fsr-3181	393	10	*	*	PUNCT
fsr-3181	393	11	*	*	PUNCT
fsr-3181	393	12	moreriskaver	moreriskaver	NOUN
fsr-3181	393	13	-0.1729	-0.1729	NOUN
fsr-3181	393	14	0.0798	0.0798	NUM
fsr-3181	394	1	*	*	PUNCT
fsr-3181	394	2	*	*	NOUN
fsr-3181	394	3	-0.1041	-0.1041	NOUN
fsr-3181	394	4	0.0835	0.0835	NUM
fsr-3181	394	5	invlesslong	invlesslong	VERB
fsr-3181	394	6	0.3453	0.3453	NUM
fsr-3181	394	7	0.1815	0.1815	NUM
fsr-3181	394	8	*	*	PUNCT
fsr-3181	394	9	-0.3413	-0.3413	PROPN
fsr-3181	394	10	0.2278	0.2278	NUM
fsr-3181	394	11	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	394	12	0.4119	0.4119	NUM
fsr-3181	394	13	0.0555	0.0555	NUM
fsr-3181	394	14	*	*	PUNCT
fsr-3181	394	15	*	*	PUNCT
fsr-3181	395	1	*	*	NOUN
fsr-3181	395	2	dropdecrterm	dropdecrterm	NOUN
fsr-3181	395	3	0.3620	0.3620	NUM
fsr-3181	396	1	0.0519	0.0519	NUM
fsr-3181	396	2	*	*	PUNCT
fsr-3181	396	3	*	*	PUNCT
fsr-3181	396	4	*	*	PUNCT
fsr-3181	396	5	work09	work09	VERB
fsr-3181	396	6	0.1653	0.1653	NUM
fsr-3181	396	7	0.0592	0.0592	NUM
fsr-3181	396	8	*	*	PUNCT
fsr-3181	396	9	*	*	PUNCT
fsr-3181	396	10	*	*	NOUN
fsr-3181	396	11	-0.0546	-0.0546	X
fsr-3181	396	12	0.0633	0.0633	NUM
fsr-3181	396	13	lnincome09	lnincome09	NOUN
fsr-3181	396	14	0.0349	0.0349	NUM
fsr-3181	396	15	0.0121	0.0121	NUM
fsr-3181	396	16	*	*	PUNCT
fsr-3181	396	17	*	*	PUNCT
fsr-3181	396	18	*	*	X
fsr-3181	396	19	0.0017	0.0017	NUM
fsr-3181	396	20	0.0115	0.0115	NUM
fsr-3181	396	21	lnnetworth09	lnnetworth09	NOUN
fsr-3181	396	22	-0.0035	-0.0035	VERB
fsr-3181	397	1	0.0067	0.0067	NUM
fsr-3181	397	2	0.0421	0.0421	NUM
fsr-3181	397	3	0.0085	0.0085	NUM
fsr-3181	397	4	*	*	PUNCT
fsr-3181	397	5	*	*	PUNCT
fsr-3181	397	6	*	*	PUNCT
fsr-3181	397	7	married09	married09	NOUN
fsr-3181	397	8	0.2059	0.2059	NUM
fsr-3181	397	9	0.0528	0.0528	NUM
fsr-3181	397	10	*	*	PUNCT
fsr-3181	397	11	*	*	PUNCT
fsr-3181	397	12	*	*	PUNCT
fsr-3181	397	13	0.1001	0.1001	NUM
fsr-3181	397	14	0.0581	0.0581	NUM
fsr-3181	397	15	*	*	PUNCT
fsr-3181	397	16	risk09	risk09	NOUN
fsr-3181	397	17	-0.0837	-0.0837	PROPN
fsr-3181	397	18	0.0532	0.0532	NUM
fsr-3181	397	19	-0.0722	-0.0722	NOUN
fsr-3181	397	20	0.0595	0.0595	NUM
fsr-3181	397	21	stockshare09	stockshare09	PROPN
fsr-3181	397	22	-0.0028	-0.0028	PROPN
fsr-3181	398	1	0.0023	0.0023	NUM
fsr-3181	398	2	-0.0025	-0.0025	NOUN
fsr-3181	398	3	0.0024	0.0024	NUM
fsr-3181	398	4	age3549_09	age3549_09	NOUN
fsr-3181	398	5	0.1097	0.1097	NUM
fsr-3181	398	6	0.0771	0.0771	NUM
fsr-3181	398	7	-0.1405	-0.1405	NOUN
fsr-3181	398	8	0.0961	0.0961	NUM
fsr-3181	398	9	age5064_09	age5064_09	NOUN
fsr-3181	398	10	-0.1313	-0.1313	VERB
fsr-3181	398	11	0.0811	0.0811	NUM
fsr-3181	398	12	0.0137	0.0137	NUM
fsr-3181	398	13	0.0971	0.0971	NUM
fsr-3181	398	14	age65_09	age65_09	NOUN
fsr-3181	398	15	-0.4638	-0.4638	NOUN
fsr-3181	398	16	0.0976	0.0976	NUM
fsr-3181	399	1	*	*	PUNCT
fsr-3181	399	2	*	*	PUNCT
fsr-3181	399	3	*	*	X
fsr-3181	399	4	0.1618	0.1618	NUM
fsr-3181	399	5	0.1103	0.1103	NUM
fsr-3181	399	6	kid09	kid09	PROPN
fsr-3181	399	7	0.0001	0.0001	NUM
fsr-3181	399	8	0.0207	0.0207	NUM
fsr-3181	399	9	0.0149	0.0149	NUM
fsr-3181	399	10	0.0242	0.0242	NUM
fsr-3181	399	11	white09	white09	NOUN
fsr-3181	399	12	0.0769	0.0769	NUM
fsr-3181	399	13	0.0576	0.0576	NUM
fsr-3181	399	14	-0.1137	-0.1137	NOUN
fsr-3181	399	15	0.0651	0.0651	NUM
fsr-3181	399	16	*	*	PUNCT
fsr-3181	399	17	college09	college09	NOUN
fsr-3181	399	18	-0.0099	-0.0099	VERB
fsr-3181	400	1	0.0502	0.0502	NUM
fsr-3181	400	2	0.0081	0.0081	NUM
fsr-3181	400	3	0.0557	0.0557	NUM
fsr-3181	400	4	homeowner09	homeowner09	NOUN
fsr-3181	400	5	0.1195	0.1195	NUM
fsr-3181	400	6	0.0683	0.0683	NUM
fsr-3181	400	7	*	*	PUNCT
fsr-3181	400	8	0.2456	0.2456	PRON
fsr-3181	400	9	0.0815	0.0815	NUM
fsr-3181	400	10	*	*	PUNCT
fsr-3181	400	11	*	*	PUNCT
fsr-3181	400	12	*	*	PUNCT
fsr-3181	400	13	intercept	intercept	NOUN
fsr-3181	400	14	-1.2581	-1.2581	NOUN
fsr-3181	400	15	0.1478	0.1478	PUNCT
fsr-3181	401	1	*	*	PUNCT
fsr-3181	401	2	*	*	PUNCT
fsr-3181	401	3	*	*	X
fsr-3181	401	4	-1.7069	-1.7069	PROPN
fsr-3181	402	1	0.1607	0.1607	NUM
fsr-3181	402	2	*	*	PUNCT
fsr-3181	402	3	*	*	PUNCT
fsr-3181	402	4	*	*	NOUN
fsr-3181	402	5	observations	observation	NOUN
fsr-3181	402	6	3857	3857	NUM
fsr-3181	402	7	3857	3857	NUM
fsr-3181	402	8	pseudo	pseudo	NOUN
fsr-3181	402	9	r	r	NOUN
fsr-3181	402	10	-	-	PUNCT
fsr-3181	402	11	square	square	ADJ
fsr-3181	402	12	0.066	0.066	NUM
fsr-3181	402	13	0.052	0.052	NUM
fsr-3181	402	14	regression	regression	NOUN
fsr-3181	402	15	models	model	NOUN
fsr-3181	402	16	(	(	PUNCT
fsr-3181	402	17	1	1	NUM
fsr-3181	402	18	)	)	PUNCT
fsr-3181	402	19	(	(	PUNCT
fsr-3181	402	20	2	2	X
fsr-3181	402	21	)	)	PUNCT
fsr-3181	402	22	note	note	NOUN
fsr-3181	402	23	:	:	PUNCT
fsr-3181	402	24	the	the	DET
fsr-3181	402	25	results	result	NOUN
fsr-3181	402	26	of	of	ADP
fsr-3181	402	27	the	the	DET
fsr-3181	402	28	robustness	robustness	NOUN
fsr-3181	402	29	check	check	NOUN
fsr-3181	402	30	by	by	ADP
fsr-3181	402	31	using	use	VERB
fsr-3181	402	32	the	the	DET
fsr-3181	402	33	2009	2009	NUM
fsr-3181	402	34	control	control	NOUN
fsr-3181	402	35	variables	variable	NOUN
fsr-3181	402	36	presented	present	VERB
fsr-3181	402	37	in	in	ADP
fsr-3181	402	38	table	table	NOUN
fsr-3181	402	39	b3	b3	PROPN
fsr-3181	402	40	show	show	VERB
fsr-3181	402	41	that	that	SCONJ
fsr-3181	402	42	new	new	ADJ
fsr-3181	402	43	term	term	NOUN
fsr-3181	402	44	life	life	NOUN
fsr-3181	402	45	insurance	insurance	NOUN
fsr-3181	402	46	ownership	ownership	NOUN
fsr-3181	402	47	is	be	AUX
fsr-3181	402	48	negatively	negatively	ADV
fsr-3181	402	49	associated	associate	VERB
fsr-3181	402	50	with	with	ADP
fsr-3181	402	51	household	household	NOUN
fsr-3181	402	52	decisions	decision	NOUN
fsr-3181	402	53	to	to	PART
fsr-3181	402	54	invest	invest	VERB
fsr-3181	402	55	more	more	ADV
fsr-3181	402	56	in	in	ADP
fsr-3181	402	57	cash	cash	NOUN
fsr-3181	402	58	and	and	CCONJ
fsr-3181	402	59	cash	cash	NOUN
fsr-3181	402	60	equivalents	equivalent	NOUN
fsr-3181	402	61	and	and	CCONJ
fsr-3181	402	62	to	to	PART
fsr-3181	402	63	become	become	VERB
fsr-3181	402	64	more	more	ADJ
fsr-3181	402	65	risk	risk	NOUN
fsr-3181	402	66	averse	averse	ADJ
fsr-3181	402	67	,	,	PUNCT
fsr-3181	402	68	and	and	CCONJ
fsr-3181	402	69	positively	positively	ADV
fsr-3181	402	70	associated	associate	VERB
fsr-3181	402	71	with	with	ADP
fsr-3181	402	72	household	household	NOUN
fsr-3181	402	73	decisions	decision	NOUN
fsr-3181	402	74	to	to	PART
fsr-3181	402	75	invest	invest	VERB
fsr-3181	402	76	more	more	ADV
fsr-3181	402	77	in	in	ADP
fsr-3181	402	78	retirement	retirement	NOUN
fsr-3181	402	79	assets	asset	NOUN
fsr-3181	402	80	and	and	CCONJ
fsr-3181	402	81	less	less	ADJ
fsr-3181	402	82	for	for	ADP
fsr-3181	402	83	the	the	DET
fsr-3181	402	84	long	long	ADJ
fsr-3181	402	85	term	term	NOUN
fsr-3181	402	86	;	;	PUNCT
fsr-3181	402	87	and	and	CCONJ
fsr-3181	402	88	new	new	ADJ
fsr-3181	402	89	whole	whole	ADJ
fsr-3181	402	90	life	life	NOUN
fsr-3181	402	91	insurance	insurance	NOUN
fsr-3181	402	92	ownership	ownership	NOUN
fsr-3181	402	93	is	be	AUX
fsr-3181	402	94	negatively	negatively	ADV
fsr-3181	402	95	associated	associate	VERB
fsr-3181	402	96	with	with	ADP
fsr-3181	402	97	household	household	NOUN
fsr-3181	402	98	decisions	decision	NOUN
fsr-3181	402	99	to	to	PART
fsr-3181	402	100	invest	invest	VERB
fsr-3181	402	101	more	more	ADV
fsr-3181	402	102	in	in	ADP
fsr-3181	402	103	retirement	retirement	NOUN
fsr-3181	402	104	assets	asset	NOUN
fsr-3181	402	105	,	,	PUNCT
fsr-3181	402	106	and	and	CCONJ
fsr-3181	402	107	positively	positively	ADV
fsr-3181	402	108	associated	associate	VERB
fsr-3181	402	109	with	with	ADP
fsr-3181	402	110	household	household	NOUN
fsr-3181	402	111	decisions	decision	NOUN
fsr-3181	402	112	to	to	PART
fsr-3181	402	113	pay	pay	VERB
fsr-3181	402	114	off	off	ADP
fsr-3181	402	115	debts	debt	NOUN
fsr-3181	402	116	and	and	CCONJ
fsr-3181	402	117	to	to	PART
fsr-3181	402	118	spend	spend	VERB
fsr-3181	402	119	less	less	ADJ
fsr-3181	402	120	during	during	ADP
fsr-3181	402	121	recessions	recession	NOUN
fsr-3181	402	122	.	.	PUNCT
fsr-3181	403	1	all	all	DET
fsr-3181	403	2	these	these	DET
fsr-3181	403	3	results	result	NOUN
fsr-3181	403	4	largely	largely	ADV
fsr-3181	403	5	confirm	confirm	VERB
fsr-3181	403	6	our	our	PRON
fsr-3181	403	7	findings	finding	NOUN
fsr-3181	403	8	in	in	ADP
fsr-3181	403	9	this	this	DET
fsr-3181	403	10	paper	paper	NOUN
fsr-3181	403	11	.	.	PUNCT
fsr-3181	404	1	wang	wang	PROPN
fsr-3181	404	2	et	et	PROPN
fsr-3181	404	3	al	al	PROPN
fsr-3181	404	4	.	.	PROPN
fsr-3181	405	1	25	25	NUM
fsr-3181	405	2	table	table	NOUN
fsr-3181	405	3	b4	b4	NOUN
fsr-3181	405	4	.	.	PUNCT
fsr-3181	406	1	robustness	robustness	NOUN
fsr-3181	406	2	test	test	NOUN
fsr-3181	406	3	results	result	NOUN
fsr-3181	406	4	for	for	ADP
fsr-3181	406	5	dropped	drop	VERB
fsr-3181	406	6	life	life	NOUN
fsr-3181	406	7	insurance	insurance	NOUN
fsr-3181	406	8	ownership	ownership	NOUN
fsr-3181	406	9	using	use	VERB
fsr-3181	406	10	the	the	DET
fsr-3181	406	11	2009	2009	NUM
fsr-3181	406	12	control	control	NOUN
fsr-3181	406	13	variables	variable	VERB
fsr-3181	406	14	dependent	dependent	ADJ
fsr-3181	406	15	variable	variable	ADJ
fsr-3181	406	16	dropdecrterm	dropdecrterm	NOUN
fsr-3181	406	17	dropdecrwhole	dropdecrwhole	NOUN
fsr-3181	406	18	independent	independent	ADJ
fsr-3181	406	19	variables	variable	NOUN
fsr-3181	406	20	coefficient	coefficient	NOUN
fsr-3181	406	21	estimate	estimate	VERB
fsr-3181	406	22	standard	standard	ADJ
fsr-3181	406	23	error	error	NOUN
fsr-3181	406	24	coefficient	coefficient	NOUN
fsr-3181	406	25	estimate	estimate	VERB
fsr-3181	406	26	standard	standard	ADJ
fsr-3181	406	27	error	error	NOUN
fsr-3181	406	28	invmorecash	invmorecash	NOUN
fsr-3181	406	29	-0.0459	-0.0459	VERB
fsr-3181	406	30	0.1685	0.1685	NUM
fsr-3181	406	31	0.1449	0.1449	NUM
fsr-3181	406	32	0.1705	0.1705	NUM
fsr-3181	406	33	invmorebonds	invmorebond	NOUN
fsr-3181	406	34	-0.3525	-0.3525	NOUN
fsr-3181	406	35	0.2255	0.2255	NUM
fsr-3181	406	36	0.1711	0.1711	NUM
fsr-3181	406	37	0.2077	0.2077	NUM
fsr-3181	406	38	invlessstock	invlessstock	NOUN
fsr-3181	406	39	-0.0600	-0.0600	NOUN
fsr-3181	406	40	0.1246	0.1246	NUM
fsr-3181	406	41	-0.0073	-0.0073	NOUN
fsr-3181	406	42	0.1294	0.1294	NUM
fsr-3181	406	43	invlessra	invlessra	VERB
fsr-3181	406	44	0.4102	0.4102	NUM
fsr-3181	406	45	0.1882	0.1882	NUM
fsr-3181	406	46	*	*	PUNCT
fsr-3181	406	47	*	*	PUNCT
fsr-3181	406	48	-0.3486	-0.3486	PROPN
fsr-3181	407	1	0.2517	0.2517	NUM
fsr-3181	407	2	paydebt	paydebt	NOUN
fsr-3181	407	3	-0.0973	-0.0973	VERB
fsr-3181	407	4	0.1825	0.1825	NUM
fsr-3181	407	5	spendless	spendless	NOUN
fsr-3181	407	6	0.1631	0.1631	NUM
fsr-3181	407	7	0.0673	0.0673	NUM
fsr-3181	408	1	*	*	PUNCT
fsr-3181	408	2	*	*	PUNCT
fsr-3181	408	3	invlesslong	invlesslong	PROPN
fsr-3181	408	4	-0.3342	-0.3342	PROPN
fsr-3181	408	5	0.2037	0.2037	NUM
fsr-3181	408	6	*	*	PUNCT
fsr-3181	408	7	-0.0617	-0.0617	NOUN
fsr-3181	408	8	0.1984	0.1984	NUM
fsr-3181	408	9	newincrwhole	newincrwhole	NOUN
fsr-3181	408	10	0.3773	0.3773	NUM
fsr-3181	408	11	0.0550	0.0550	NUM
fsr-3181	408	12	*	*	PUNCT
fsr-3181	408	13	*	*	PUNCT
fsr-3181	408	14	*	*	VERB
fsr-3181	408	15	newincrterm	newincrterm	ADP
fsr-3181	408	16	0.3991	0.3991	NUM
fsr-3181	408	17	0.0527	0.0527	NUM
fsr-3181	408	18	*	*	PUNCT
fsr-3181	408	19	*	*	PUNCT
fsr-3181	408	20	*	*	PUNCT
fsr-3181	408	21	work09	work09	NOUN
fsr-3181	408	22	0.1501	0.1501	NUM
fsr-3181	408	23	0.0575	0.0575	NUM
fsr-3181	408	24	*	*	PUNCT
fsr-3181	408	25	*	*	PUNCT
fsr-3181	408	26	*	*	X
fsr-3181	408	27	-0.0240	-0.0240	NOUN
fsr-3181	408	28	0.0635	0.0635	NUM
fsr-3181	408	29	lnincome09	lnincome09	NOUN
fsr-3181	408	30	-0.0139	-0.0139	PUNCT
fsr-3181	409	1	0.0107	0.0107	NUM
fsr-3181	409	2	0.0171	0.0171	NUM
fsr-3181	409	3	0.0121	0.0121	NUM
fsr-3181	409	4	lnnetworth09	lnnetworth09	NOUN
fsr-3181	409	5	-0.0109	-0.0109	VERB
fsr-3181	410	1	0.0065	0.0065	NUM
fsr-3181	411	1	*	*	PUNCT
fsr-3181	411	2	0.0189	0.0189	NUM
fsr-3181	411	3	0.0080	0.0080	NUM
fsr-3181	411	4	*	*	PUNCT
fsr-3181	411	5	*	*	PUNCT
fsr-3181	411	6	married09	married09	NOUN
fsr-3181	412	1	0.1592	0.1592	NUM
fsr-3181	412	2	0.0516	0.0516	NUM
fsr-3181	412	3	*	*	PUNCT
fsr-3181	412	4	*	*	PUNCT
fsr-3181	412	5	*	*	PUNCT
fsr-3181	412	6	0.1166	0.1166	NUM
fsr-3181	412	7	0.0581	0.0581	NUM
fsr-3181	412	8	*	*	PUNCT
fsr-3181	412	9	*	*	PUNCT
fsr-3181	412	10	risk09	risk09	NOUN
fsr-3181	412	11	0.1334	0.1334	NUM
fsr-3181	412	12	0.0519	0.0519	NUM
fsr-3181	412	13	*	*	PUNCT
fsr-3181	412	14	*	*	PUNCT
fsr-3181	412	15	-0.1452	-0.1452	NOUN
fsr-3181	412	16	0.0597	0.0597	NUM
fsr-3181	412	17	*	*	PUNCT
fsr-3181	412	18	*	*	PROPN
fsr-3181	412	19	stockshare09	stockshare09	PROPN
fsr-3181	412	20	0.0009	0.0009	NUM
fsr-3181	412	21	0.0007	0.0007	NUM
fsr-3181	412	22	0.0008	0.0008	NUM
fsr-3181	412	23	0.0007	0.0007	NUM
fsr-3181	412	24	age3549_09	age3549_09	NOUN
fsr-3181	412	25	0.0483	0.0483	NUM
fsr-3181	412	26	0.0796	0.0796	NUM
fsr-3181	412	27	0.0723	0.0723	NUM
fsr-3181	412	28	0.1000	0.1000	NUM
fsr-3181	412	29	age5064_09	age5064_09	NOUN
fsr-3181	412	30	0.2570	0.2570	NUM
fsr-3181	412	31	0.0816	0.0816	NUM
fsr-3181	412	32	*	*	PUNCT
fsr-3181	413	1	*	*	PUNCT
fsr-3181	413	2	*	*	PUNCT
fsr-3181	413	3	0.3277	0.3277	NUM
fsr-3181	413	4	0.1007	0.1007	NUM
fsr-3181	413	5	*	*	PUNCT
fsr-3181	413	6	*	*	PUNCT
fsr-3181	413	7	*	*	PUNCT
fsr-3181	413	8	age65_09	age65_09	X
fsr-3181	413	9	-0.0300	-0.0300	NOUN
fsr-3181	413	10	0.0965	0.0965	NUM
fsr-3181	413	11	0.4873	0.4873	NUM
fsr-3181	413	12	0.1143	0.1143	VERB
fsr-3181	413	13	*	*	PUNCT
fsr-3181	413	14	*	*	PUNCT
fsr-3181	413	15	*	*	PUNCT
fsr-3181	413	16	kid09	kid09	NOUN
fsr-3181	413	17	-0.0162	-0.0162	NOUN
fsr-3181	413	18	0.0211	0.0211	NUM
fsr-3181	413	19	0.0200	0.0200	NUM
fsr-3181	413	20	0.0241	0.0241	NUM
fsr-3181	414	1	white09	white09	NOUN
fsr-3181	414	2	-0.0183	-0.0183	PUNCT
fsr-3181	415	1	0.0566	0.0566	NUM
fsr-3181	415	2	0.0198	0.0198	NUM
fsr-3181	415	3	0.0665	0.0665	NUM
fsr-3181	415	4	college09	college09	NOUN
fsr-3181	415	5	0.1318	0.1318	NUM
fsr-3181	415	6	0.0493	0.0493	NUM
fsr-3181	415	7	*	*	PUNCT
fsr-3181	416	1	*	*	PUNCT
fsr-3181	416	2	*	*	PUNCT
fsr-3181	416	3	0.0184	0.0184	NUM
fsr-3181	416	4	0.0549	0.0549	NUM
fsr-3181	416	5	homeowner09	homeowner09	NOUN
fsr-3181	416	6	0.1855	0.1855	NUM
fsr-3181	416	7	0.0675	0.0675	NUM
fsr-3181	416	8	*	*	PUNCT
fsr-3181	417	1	*	*	PUNCT
fsr-3181	417	2	*	*	PUNCT
fsr-3181	417	3	0.2135	0.2135	NUM
fsr-3181	417	4	0.0807	0.0807	NUM
fsr-3181	417	5	*	*	PUNCT
fsr-3181	417	6	*	*	PUNCT
fsr-3181	417	7	*	*	PUNCT
fsr-3181	417	8	intercept	intercept	NOUN
fsr-3181	417	9	-0.9006	-0.9006	NOUN
fsr-3181	417	10	0.1396	0.1396	PUNCT
fsr-3181	418	1	*	*	PUNCT
fsr-3181	419	1	*	*	PUNCT
fsr-3181	419	2	*	*	PUNCT
fsr-3181	419	3	-1.9695	-1.9695	NOUN
fsr-3181	420	1	0.1653	0.1653	NUM
fsr-3181	420	2	*	*	PUNCT
fsr-3181	420	3	*	*	PUNCT
fsr-3181	420	4	*	*	VERB
fsr-3181	420	5	observations	observation	NOUN
fsr-3181	420	6	3857	3857	NUM
fsr-3181	420	7	3857	3857	NUM
fsr-3181	420	8	pseudo	pseudo	NOUN
fsr-3181	420	9	r	r	NOUN
fsr-3181	420	10	-	-	PUNCT
fsr-3181	420	11	square	square	ADJ
fsr-3181	420	12	0.040	0.040	NUM
fsr-3181	420	13	0.059	0.059	NUM
fsr-3181	420	14	regression	regression	NOUN
fsr-3181	420	15	models	model	NOUN
fsr-3181	420	16	(	(	PUNCT
fsr-3181	420	17	3	3	NUM
fsr-3181	420	18	)	)	PUNCT
fsr-3181	420	19	(	(	PUNCT
fsr-3181	420	20	4	4	X
fsr-3181	420	21	)	)	PUNCT
fsr-3181	420	22	note	note	NOUN
fsr-3181	420	23	:	:	PUNCT
fsr-3181	420	24	the	the	DET
fsr-3181	420	25	results	result	NOUN
fsr-3181	420	26	of	of	ADP
fsr-3181	420	27	the	the	DET
fsr-3181	420	28	robustness	robustness	NOUN
fsr-3181	420	29	check	check	NOUN
fsr-3181	420	30	by	by	ADP
fsr-3181	420	31	using	use	VERB
fsr-3181	420	32	the	the	DET
fsr-3181	420	33	2009	2009	NUM
fsr-3181	420	34	control	control	NOUN
fsr-3181	420	35	variables	variable	NOUN
fsr-3181	420	36	presented	present	VERB
fsr-3181	420	37	in	in	ADP
fsr-3181	420	38	table	table	NOUN
fsr-3181	420	39	b4	b4	NOUN
fsr-3181	420	40	show	show	VERB
fsr-3181	420	41	that	that	PRON
fsr-3181	420	42	dropped	drop	VERB
fsr-3181	420	43	term	term	NOUN
fsr-3181	420	44	life	life	NOUN
fsr-3181	420	45	insurance	insurance	NOUN
fsr-3181	420	46	ownership	ownership	NOUN
fsr-3181	420	47	is	be	AUX
fsr-3181	420	48	negatively	negatively	ADV
fsr-3181	420	49	associated	associate	VERB
fsr-3181	420	50	with	with	ADP
fsr-3181	420	51	household	household	NOUN
fsr-3181	420	52	decisions	decision	NOUN
fsr-3181	420	53	to	to	PART
fsr-3181	420	54	invest	invest	VERB
fsr-3181	420	55	less	less	ADJ
fsr-3181	420	56	for	for	ADP
fsr-3181	420	57	the	the	DET
fsr-3181	420	58	long	long	ADJ
fsr-3181	420	59	term	term	NOUN
fsr-3181	420	60	,	,	PUNCT
fsr-3181	420	61	and	and	CCONJ
fsr-3181	420	62	positively	positively	ADV
fsr-3181	420	63	associated	associate	VERB
fsr-3181	420	64	with	with	ADP
fsr-3181	420	65	household	household	NOUN
fsr-3181	420	66	decisions	decision	NOUN
fsr-3181	420	67	to	to	PART
fsr-3181	420	68	invest	invest	VERB
fsr-3181	420	69	less	less	ADJ
fsr-3181	420	70	in	in	ADP
fsr-3181	420	71	retirement	retirement	NOUN
fsr-3181	420	72	assets	asset	NOUN
fsr-3181	420	73	;	;	PUNCT
fsr-3181	420	74	and	and	CCONJ
fsr-3181	420	75	dropped	drop	VERB
fsr-3181	420	76	whole	whole	ADJ
fsr-3181	420	77	life	life	NOUN
fsr-3181	420	78	insurance	insurance	NOUN
fsr-3181	420	79	ownership	ownership	NOUN
fsr-3181	420	80	is	be	AUX
fsr-3181	420	81	positive	positive	ADJ
fsr-3181	420	82	associated	associate	VERB
fsr-3181	420	83	with	with	ADP
fsr-3181	420	84	household	household	NOUN
fsr-3181	420	85	decisions	decision	NOUN
fsr-3181	420	86	to	to	PART
fsr-3181	420	87	spend	spend	VERB
fsr-3181	420	88	less	less	ADJ
fsr-3181	420	89	.	.	PUNCT
fsr-3181	421	1	all	all	DET
fsr-3181	421	2	these	these	DET
fsr-3181	421	3	results	result	NOUN
fsr-3181	421	4	largely	largely	ADV
fsr-3181	421	5	confirm	confirm	VERB
fsr-3181	421	6	our	our	PRON
fsr-3181	421	7	findings	finding	NOUN
fsr-3181	421	8	in	in	ADP
fsr-3181	421	9	this	this	DET
fsr-3181	421	10	paper	paper	NOUN
fsr-3181	421	11	.	.	PUNCT
fsr-3181	422	1	financial	financial	ADJ
fsr-3181	422	2	services	services	PROPN
fsr-3181	422	3	review	review	PROPN
fsr-3181	422	4	,	,	PUNCT
fsr-3181	422	5	32(1	32(1	NUM
fsr-3181	422	6	)	)	PUNCT
fsr-3181	422	7	26	26	NUM
fsr-3181	422	8	references	reference	NOUN
fsr-3181	422	9	baranoff	baranoff	NOUN
fsr-3181	422	10	,	,	PUNCT
fsr-3181	422	11	e.	e.	PROPN
fsr-3181	422	12	g.	g.	PROPN
fsr-3181	422	13	,	,	PUNCT
fsr-3181	422	14	&	&	CCONJ
fsr-3181	422	15	sager	sager	PROPN
fsr-3181	422	16	,	,	PUNCT
fsr-3181	422	17	t.w	t.w	PROPN
fsr-3181	422	18	.	.	PROPN
fsr-3181	422	19	(	(	PUNCT
fsr-3181	422	20	2011	2011	NUM
fsr-3181	422	21	)	)	PUNCT
fsr-3181	422	22	.	.	PUNCT
fsr-3181	423	1	the	the	DET
fsr-3181	423	2	interplay	interplay	NOUN
fsr-3181	423	3	between	between	ADP
fsr-3181	423	4	insurers	insurer	NOUN
fsr-3181	423	5	’	’	PART
fsr-3181	423	6	financial	financial	ADJ
fsr-3181	423	7	and	and	CCONJ
fsr-3181	423	8	asset	asset	NOUN
fsr-3181	423	9	risks	risk	NOUN
fsr-3181	423	10	during	during	ADP
fsr-3181	423	11	the	the	DET
fsr-3181	423	12	crisis	crisis	NOUN
fsr-3181	423	13	of	of	ADP
fsr-3181	423	14	2007	2007	NUM
fsr-3181	423	15	-	-	SYM
fsr-3181	423	16	2009	2009	NUM
fsr-3181	423	17	.	.	PUNCT
fsr-3181	424	1	the	the	DET
fsr-3181	424	2	geneva	geneva	PROPN
fsr-3181	424	3	papers	paper	NOUN
fsr-3181	424	4	on	on	ADP
fsr-3181	424	5	risk	risk	NOUN
fsr-3181	424	6	and	and	CCONJ
fsr-3181	424	7	insurance	insurance	NOUN
fsr-3181	424	8	issues	issue	NOUN
fsr-3181	424	9	and	and	CCONJ
fsr-3181	424	10	practice	practice	NOUN
fsr-3181	424	11	,	,	PUNCT
fsr-3181	424	12	36(3	36(3	NUM
fsr-3181	424	13	)	)	PUNCT
fsr-3181	424	14	,	,	PUNCT
fsr-3181	424	15	348	348	NUM
fsr-3181	424	16	-	-	SYM
fsr-3181	424	17	379	379	NUM
fsr-3181	424	18	.	.	PUNCT
fsr-3181	424	19	bernheim	bernheim	PROPN
fsr-3181	424	20	,	,	PUNCT
fsr-3181	424	21	b.	b.	PROPN
fsr-3181	424	22	d.	d.	PROPN
fsr-3181	424	23	(	(	PUNCT
fsr-3181	424	24	1991	1991	NUM
fsr-3181	424	25	)	)	PUNCT
fsr-3181	424	26	.	.	PUNCT
fsr-3181	425	1	how	how	SCONJ
fsr-3181	425	2	strong	strong	ADJ
fsr-3181	425	3	are	be	AUX
fsr-3181	425	4	bequest	bequest	ADJ
fsr-3181	425	5	motives	motive	NOUN
fsr-3181	425	6	?	?	PUNCT
fsr-3181	426	1	evidence	evidence	NOUN
fsr-3181	426	2	based	base	VERB
fsr-3181	426	3	on	on	ADP
fsr-3181	426	4	estimates	estimate	NOUN
fsr-3181	426	5	of	of	ADP
fsr-3181	426	6	the	the	DET
fsr-3181	426	7	demand	demand	NOUN
fsr-3181	426	8	for	for	ADP
fsr-3181	426	9	life	life	NOUN
fsr-3181	426	10	insurance	insurance	NOUN
fsr-3181	426	11	and	and	CCONJ
fsr-3181	426	12	annuities	annuity	NOUN
fsr-3181	426	13	.	.	PUNCT
fsr-3181	427	1	journal	journal	NOUN
fsr-3181	427	2	of	of	ADP
fsr-3181	427	3	political	political	ADJ
fsr-3181	427	4	economy	economy	NOUN
fsr-3181	427	5	,	,	PUNCT
fsr-3181	427	6	99(5	99(5	NUM
fsr-3181	427	7	)	)	PUNCT
fsr-3181	427	8	,	,	PUNCT
fsr-3181	427	9	899	899	NUM
fsr-3181	427	10	-	-	SYM
fsr-3181	427	11	927	927	NUM
fsr-3181	427	12	.	.	PUNCT
fsr-3181	428	1	bernheim	bernheim	PROPN
fsr-3181	428	2	,	,	PUNCT
fsr-3181	428	3	b.	b.	PROPN
fsr-3181	428	4	d.	d.	PROPN
fsr-3181	428	5	,	,	PUNCT
fsr-3181	428	6	forni	forni	PROPN
fsr-3181	428	7	,	,	PUNCT
fsr-3181	428	8	l.	l.	PROPN
fsr-3181	428	9	,	,	PUNCT
fsr-3181	428	10	gokhale	gokhale	PROPN
fsr-3181	428	11	,	,	PUNCT
fsr-3181	428	12	j.	j.	PROPN
fsr-3181	428	13	,	,	PUNCT
fsr-3181	428	14	&	&	CCONJ
fsr-3181	428	15	kotlikoff	kotlikoff	PROPN
fsr-3181	428	16	,	,	PUNCT
fsr-3181	428	17	l.	l.	PROPN
fsr-3181	428	18	j.	j.	PROPN
fsr-3181	428	19	(	(	PUNCT
fsr-3181	428	20	1999	1999	NUM
fsr-3181	428	21	)	)	PUNCT
fsr-3181	428	22	.	.	PUNCT
fsr-3181	429	1	the	the	DET
fsr-3181	429	2	adequacy	adequacy	NOUN
fsr-3181	429	3	of	of	ADP
fsr-3181	429	4	life	life	NOUN
fsr-3181	429	5	insurance	insurance	NOUN
fsr-3181	429	6	:	:	PUNCT
fsr-3181	429	7	evidence	evidence	NOUN
fsr-3181	429	8	from	from	ADP
fsr-3181	429	9	the	the	DET
fsr-3181	429	10	health	health	NOUN
fsr-3181	429	11	and	and	CCONJ
fsr-3181	429	12	retirement	retirement	NOUN
fsr-3181	429	13	survey	survey	NOUN
fsr-3181	429	14	(	(	PUNCT
fsr-3181	429	15	no	no	INTJ
fsr-3181	429	16	.	.	PUNCT
fsr-3181	429	17	w7372	w7372	NOUN
fsr-3181	429	18	)	)	PUNCT
fsr-3181	429	19	.	.	PUNCT
fsr-3181	430	1	national	national	PROPN
fsr-3181	430	2	bureau	bureau	PROPN
fsr-3181	430	3	of	of	ADP
fsr-3181	430	4	economic	economic	ADJ
fsr-3181	430	5	research	research	NOUN
fsr-3181	430	6	.	.	PUNCT
fsr-3181	431	1	bertaut	bertaut	PROPN
fsr-3181	431	2	,	,	PUNCT
fsr-3181	431	3	c.	c.	PROPN
fsr-3181	431	4	c.	c.	PROPN
fsr-3181	431	5	(	(	PUNCT
fsr-3181	431	6	1998	1998	NUM
fsr-3181	431	7	)	)	PUNCT
fsr-3181	431	8	.	.	PUNCT
fsr-3181	432	1	stockholding	stockholding	NOUN
fsr-3181	432	2	behavior	behavior	NOUN
fsr-3181	432	3	of	of	ADP
fsr-3181	432	4	us	us	PROPN
fsr-3181	432	5	households	household	NOUN
fsr-3181	432	6	:	:	PUNCT
fsr-3181	432	7	evidence	evidence	NOUN
fsr-3181	432	8	from	from	ADP
fsr-3181	432	9	the	the	DET
fsr-3181	432	10	1983–1989	1983–1989	NUM
fsr-3181	432	11	survey	survey	NOUN
fsr-3181	432	12	of	of	ADP
fsr-3181	432	13	consumer	consumer	NOUN
fsr-3181	432	14	finances	finance	NOUN
fsr-3181	432	15	.	.	PUNCT
fsr-3181	433	1	review	review	NOUN
fsr-3181	433	2	of	of	ADP
fsr-3181	433	3	economics	economic	NOUN
fsr-3181	433	4	and	and	CCONJ
fsr-3181	433	5	statistics	statistic	NOUN
fsr-3181	433	6	,	,	PUNCT
fsr-3181	433	7	80(2	80(2	NUM
fsr-3181	433	8	)	)	PUNCT
fsr-3181	433	9	,	,	PUNCT
fsr-3181	433	10	263	263	NUM
fsr-3181	433	11	-	-	SYM
fsr-3181	433	12	275	275	NUM
fsr-3181	433	13	.	.	PUNCT
fsr-3181	434	1	bhamra	bhamra	PROPN
fsr-3181	434	2	,	,	PUNCT
fsr-3181	434	3	h.	h.	PROPN
fsr-3181	434	4	s.	s.	PROPN
fsr-3181	434	5	,	,	PUNCT
fsr-3181	434	6	&	&	CCONJ
fsr-3181	434	7	uppal	uppal	PROPN
fsr-3181	434	8	,	,	PUNCT
fsr-3181	434	9	r.	r.	PROPN
fsr-3181	434	10	(	(	PUNCT
fsr-3181	434	11	2019	2019	NUM
fsr-3181	434	12	)	)	PUNCT
fsr-3181	434	13	.	.	PUNCT
fsr-3181	435	1	does	do	VERB
fsr-3181	435	2	household	household	NOUN
fsr-3181	435	3	finance	finance	NOUN
fsr-3181	435	4	matter	matter	NOUN
fsr-3181	435	5	?	?	PUNCT
fsr-3181	436	1	small	small	ADJ
fsr-3181	436	2	financial	financial	ADJ
fsr-3181	436	3	errors	error	NOUN
fsr-3181	436	4	with	with	ADP
fsr-3181	436	5	large	large	ADJ
fsr-3181	436	6	social	social	ADJ
fsr-3181	436	7	costs	cost	NOUN
fsr-3181	436	8	.	.	PUNCT
fsr-3181	437	1	american	american	PROPN
fsr-3181	437	2	economic	economic	PROPN
fsr-3181	437	3	review	review	PROPN
fsr-3181	437	4	,	,	PUNCT
fsr-3181	437	5	109(3	109(3	NUM
fsr-3181	437	6	)	)	PUNCT
fsr-3181	437	7	,	,	PUNCT
fsr-3181	437	8	1116	1116	NUM
fsr-3181	437	9	-	-	SYM
fsr-3181	437	10	1154	1154	NUM
fsr-3181	437	11	.	.	PUNCT
fsr-3181	438	1	bricker	bricker	NOUN
fsr-3181	438	2	,	,	PUNCT
fsr-3181	438	3	j.	j.	PROPN
fsr-3181	438	4	,	,	PUNCT
fsr-3181	438	5	bucks	buck	NOUN
fsr-3181	438	6	,	,	PUNCT
fsr-3181	438	7	b.	b.	PROPN
fsr-3181	438	8	,	,	PUNCT
fsr-3181	438	9	kennickell	kennickell	PROPN
fsr-3181	438	10	,	,	PUNCT
fsr-3181	438	11	a.	a.	PROPN
fsr-3181	438	12	b.	b.	PROPN
fsr-3181	438	13	,	,	PUNCT
fsr-3181	438	14	mach	mach	NOUN
fsr-3181	438	15	,	,	PUNCT
fsr-3181	438	16	t.	t.	PROPN
fsr-3181	438	17	,	,	PUNCT
fsr-3181	438	18	&	&	CCONJ
fsr-3181	438	19	moore	moore	PROPN
fsr-3181	438	20	,	,	PUNCT
fsr-3181	438	21	k.	k.	PROPN
fsr-3181	438	22	b.	b.	PROPN
fsr-3181	438	23	(	(	PUNCT
fsr-3181	438	24	2011	2011	NUM
fsr-3181	438	25	)	)	PUNCT
fsr-3181	438	26	.	.	PUNCT
fsr-3181	439	1	surveying	survey	VERB
fsr-3181	439	2	the	the	DET
fsr-3181	439	3	aftermath	aftermath	NOUN
fsr-3181	439	4	of	of	ADP
fsr-3181	439	5	the	the	DET
fsr-3181	439	6	storm	storm	NOUN
fsr-3181	439	7	:	:	PUNCT
fsr-3181	439	8	changes	change	NOUN
fsr-3181	439	9	in	in	ADP
fsr-3181	439	10	family	family	NOUN
fsr-3181	439	11	finances	finance	NOUN
fsr-3181	439	12	from	from	ADP
fsr-3181	439	13	2007	2007	NUM
fsr-3181	439	14	to	to	ADP
fsr-3181	439	15	2009	2009	NUM
fsr-3181	439	16	.	.	PUNCT
fsr-3181	440	1	federal	federal	PROPN
fsr-3181	440	2	reserve	reserve	PROPN
fsr-3181	440	3	board	board	PROPN
fsr-3181	440	4	working	working	PROPN
fsr-3181	440	5	paper	paper	NOUN
fsr-3181	440	6	.	.	PUNCT
fsr-3181	441	1	brown	brown	PROPN
fsr-3181	441	2	,	,	PUNCT
fsr-3181	441	3	j.	j.	PROPN
fsr-3181	441	4	r.	r.	PROPN
fsr-3181	441	5	(	(	PUNCT
fsr-3181	441	6	1999	1999	NUM
fsr-3181	441	7	)	)	PUNCT
fsr-3181	441	8	.	.	PUNCT
fsr-3181	442	1	are	be	AUX
fsr-3181	442	2	the	the	DET
fsr-3181	442	3	elderly	elderly	ADJ
fsr-3181	442	4	really	really	ADV
fsr-3181	442	5	overannuitized	overannuitized	ADJ
fsr-3181	442	6	?	?	PUNCT
fsr-3181	443	1	new	new	ADJ
fsr-3181	443	2	evidence	evidence	NOUN
fsr-3181	443	3	on	on	ADP
fsr-3181	443	4	life	life	NOUN
fsr-3181	443	5	insurance	insurance	NOUN
fsr-3181	443	6	and	and	CCONJ
fsr-3181	443	7	bequests	bequest	NOUN
fsr-3181	443	8	(	(	PUNCT
fsr-3181	443	9	no	no	INTJ
fsr-3181	443	10	.	.	PUNCT
fsr-3181	443	11	w7193	w7193	PROPN
fsr-3181	443	12	)	)	PUNCT
fsr-3181	443	13	.	.	PUNCT
fsr-3181	444	1	national	national	PROPN
fsr-3181	444	2	bureau	bureau	PROPN
fsr-3181	444	3	of	of	ADP
fsr-3181	444	4	economic	economic	ADJ
fsr-3181	444	5	research	research	NOUN
fsr-3181	444	6	.	.	PUNCT
fsr-3181	445	1	campbell	campbell	PROPN
fsr-3181	445	2	,	,	PUNCT
fsr-3181	445	3	j.	j.	PROPN
fsr-3181	445	4	y.	y.	PROPN
fsr-3181	445	5	,	,	PUNCT
fsr-3181	445	6	ramadorai	ramadorai	NOUN
fsr-3181	445	7	,	,	PUNCT
fsr-3181	445	8	t.	t.	PROPN
fsr-3181	445	9	,	,	PUNCT
fsr-3181	445	10	&	&	CCONJ
fsr-3181	445	11	schwartz	schwartz	PROPN
fsr-3181	445	12	,	,	PUNCT
fsr-3181	445	13	a.	a.	NOUN
fsr-3181	445	14	(	(	PUNCT
fsr-3181	445	15	2009	2009	NUM
fsr-3181	445	16	)	)	PUNCT
fsr-3181	445	17	.	.	PUNCT
fsr-3181	446	1	caught	catch	VERB
fsr-3181	446	2	on	on	ADP
fsr-3181	446	3	tape	tape	NOUN
fsr-3181	446	4	:	:	PUNCT
fsr-3181	446	5	institutional	institutional	ADJ
fsr-3181	446	6	trading	trading	NOUN
fsr-3181	446	7	,	,	PUNCT
fsr-3181	446	8	stock	stock	NOUN
fsr-3181	446	9	returns	return	NOUN
fsr-3181	446	10	,	,	PUNCT
fsr-3181	446	11	and	and	CCONJ
fsr-3181	446	12	earnings	earning	NOUN
fsr-3181	446	13	announcements	announcement	NOUN
fsr-3181	446	14	.	.	PUNCT
fsr-3181	447	1	journal	journal	NOUN
fsr-3181	447	2	of	of	ADP
fsr-3181	447	3	financial	financial	ADJ
fsr-3181	447	4	economics	economic	NOUN
fsr-3181	447	5	,	,	PUNCT
fsr-3181	447	6	92(1	92(1	NOUN
fsr-3181	447	7	)	)	PUNCT
fsr-3181	447	8	,	,	PUNCT
fsr-3181	447	9	66	66	NUM
fsr-3181	447	10	-	-	SYM
fsr-3181	447	11	91	91	NUM
fsr-3181	447	12	.	.	PUNCT
fsr-3181	448	1	cole	cole	PROPN
fsr-3181	448	2	,	,	PUNCT
fsr-3181	448	3	c.	c.	PROPN
fsr-3181	448	4	r.	r.	PROPN
fsr-3181	448	5	,	,	PUNCT
fsr-3181	448	6	&	&	CCONJ
fsr-3181	448	7	fier	fier	X
fsr-3181	448	8	,	,	PUNCT
fsr-3181	448	9	s.	s.	PROPN
fsr-3181	448	10	g.	g.	PROPN
fsr-3181	448	11	(	(	PUNCT
fsr-3181	448	12	2021	2021	NUM
fsr-3181	448	13	)	)	PUNCT
fsr-3181	448	14	.	.	PUNCT
fsr-3181	449	1	an	an	DET
fsr-3181	449	2	examination	examination	NOUN
fsr-3181	449	3	of	of	ADP
fsr-3181	449	4	life	life	NOUN
fsr-3181	449	5	insurance	insurance	NOUN
fsr-3181	449	6	policy	policy	NOUN
fsr-3181	449	7	surrender	surrender	NOUN
fsr-3181	449	8	and	and	CCONJ
fsr-3181	449	9	loan	loan	NOUN
fsr-3181	449	10	activity	activity	NOUN
fsr-3181	449	11	.	.	PUNCT
fsr-3181	450	1	journal	journal	NOUN
fsr-3181	450	2	of	of	ADP
fsr-3181	450	3	risk	risk	NOUN
fsr-3181	450	4	and	and	CCONJ
fsr-3181	450	5	insurance	insurance	NOUN
fsr-3181	450	6	,	,	PUNCT
fsr-3181	450	7	88(2	88(2	NUM
fsr-3181	450	8	)	)	PUNCT
fsr-3181	450	9	,	,	PUNCT
fsr-3181	450	10	483	483	NUM
fsr-3181	450	11	-	-	SYM
fsr-3181	450	12	516	516	NUM
fsr-3181	450	13	.	.	PUNCT
fsr-3181	451	1	cragg	cragg	PROPN
fsr-3181	451	2	,	,	PUNCT
fsr-3181	451	3	j.	j.	PROPN
fsr-3181	451	4	g.	g.	PROPN
fsr-3181	451	5	(	(	PUNCT
fsr-3181	451	6	1971	1971	NUM
fsr-3181	451	7	)	)	PUNCT
fsr-3181	451	8	.	.	PUNCT
fsr-3181	452	1	some	some	DET
fsr-3181	452	2	statistical	statistical	ADJ
fsr-3181	452	3	models	model	NOUN
fsr-3181	452	4	for	for	ADP
fsr-3181	452	5	limited	limited	ADJ
fsr-3181	452	6	dependent	dependent	ADJ
fsr-3181	452	7	variables	variable	NOUN
fsr-3181	452	8	with	with	ADP
fsr-3181	452	9	application	application	NOUN
fsr-3181	452	10	to	to	ADP
fsr-3181	452	11	the	the	DET
fsr-3181	452	12	demand	demand	NOUN
fsr-3181	452	13	for	for	ADP
fsr-3181	452	14	durable	durable	ADJ
fsr-3181	452	15	goods	good	NOUN
fsr-3181	452	16	.	.	PUNCT
fsr-3181	453	1	econometrica	econometrica	PROPN
fsr-3181	453	2	,	,	PUNCT
fsr-3181	453	3	39(5	39(5	NUM
fsr-3181	453	4	)	)	PUNCT
fsr-3181	453	5	,	,	PUNCT
fsr-3181	453	6	829	829	NUM
fsr-3181	453	7	-	-	SYM
fsr-3181	453	8	844	844	NUM
fsr-3181	453	9	.	.	PUNCT
fsr-3181	454	1	eisenhauer	eisenhauer	NOUN
fsr-3181	454	2	,	,	PUNCT
fsr-3181	454	3	j.	j.	PROPN
fsr-3181	454	4	g.	g.	PROPN
fsr-3181	454	5	,	,	PUNCT
fsr-3181	454	6	&	&	CCONJ
fsr-3181	454	7	halek	halek	PROPN
fsr-3181	454	8	,	,	PUNCT
fsr-3181	454	9	m.	m.	NOUN
fsr-3181	454	10	(	(	PUNCT
fsr-3181	454	11	1999	1999	NUM
fsr-3181	454	12	)	)	PUNCT
fsr-3181	454	13	.	.	PUNCT
fsr-3181	455	1	prudence	prudence	NOUN
fsr-3181	455	2	,	,	PUNCT
fsr-3181	455	3	risk	risk	NOUN
fsr-3181	455	4	aversion	aversion	NOUN
fsr-3181	455	5	,	,	PUNCT
fsr-3181	455	6	and	and	CCONJ
fsr-3181	455	7	the	the	DET
fsr-3181	455	8	demand	demand	NOUN
fsr-3181	455	9	for	for	ADP
fsr-3181	455	10	life	life	NOUN
fsr-3181	455	11	insurance	insurance	NOUN
fsr-3181	455	12	.	.	PUNCT
fsr-3181	456	1	applied	apply	VERB
fsr-3181	456	2	economics	economic	NOUN
fsr-3181	456	3	letters	letter	NOUN
fsr-3181	456	4	,	,	PUNCT
fsr-3181	456	5	6(4	6(4	NOUN
fsr-3181	456	6	)	)	PUNCT
fsr-3181	456	7	,	,	PUNCT
fsr-3181	456	8	239	239	NUM
fsr-3181	456	9	-	-	SYM
fsr-3181	456	10	242	242	NUM
fsr-3181	456	11	.	.	PUNCT
fsr-3181	457	1	ferber	ferber	PROPN
fsr-3181	457	2	,	,	PUNCT
fsr-3181	457	3	r.	r.	PROPN
fsr-3181	457	4	,	,	PUNCT
fsr-3181	457	5	&	&	CCONJ
fsr-3181	457	6	lee	lee	PROPN
fsr-3181	457	7	,	,	PUNCT
fsr-3181	457	8	l.	l.	PROPN
fsr-3181	457	9	c.	c.	PROPN
fsr-3181	457	10	(	(	PUNCT
fsr-3181	457	11	1980	1980	NUM
fsr-3181	457	12	)	)	PUNCT
fsr-3181	457	13	.	.	PUNCT
fsr-3181	458	1	acquisition	acquisition	NOUN
fsr-3181	458	2	and	and	CCONJ
fsr-3181	458	3	accumulation	accumulation	NOUN
fsr-3181	458	4	of	of	ADP
fsr-3181	458	5	life	life	NOUN
fsr-3181	458	6	insurance	insurance	NOUN
fsr-3181	458	7	in	in	ADP
fsr-3181	458	8	early	early	ADJ
fsr-3181	458	9	married	married	ADJ
fsr-3181	458	10	life	life	NOUN
fsr-3181	458	11	.	.	PUNCT
fsr-3181	459	1	journal	journal	NOUN
fsr-3181	459	2	of	of	ADP
fsr-3181	459	3	risk	risk	NOUN
fsr-3181	459	4	and	and	CCONJ
fsr-3181	459	5	insurance	insurance	NOUN
fsr-3181	459	6	,	,	PUNCT
fsr-3181	459	7	47(4	47(4	NUM
fsr-3181	459	8	)	)	PUNCT
fsr-3181	459	9	,	,	PUNCT
fsr-3181	459	10	713	713	NUM
fsr-3181	459	11	-	-	SYM
fsr-3181	459	12	734	734	NUM
fsr-3181	459	13	.	.	PUNCT
fsr-3181	460	1	fortune	fortune	NOUN
fsr-3181	460	2	,	,	PUNCT
fsr-3181	460	3	p.	p.	NOUN
fsr-3181	460	4	(	(	PUNCT
fsr-3181	460	5	1973	1973	NUM
fsr-3181	460	6	)	)	PUNCT
fsr-3181	460	7	.	.	PUNCT
fsr-3181	461	1	a	a	DET
fsr-3181	461	2	theory	theory	NOUN
fsr-3181	461	3	of	of	ADP
fsr-3181	461	4	optimal	optimal	ADJ
fsr-3181	461	5	life	life	NOUN
fsr-3181	461	6	insurance	insurance	NOUN
fsr-3181	461	7	:	:	PUNCT
fsr-3181	461	8	development	development	NOUN
fsr-3181	461	9	and	and	CCONJ
fsr-3181	461	10	test	test	NOUN
fsr-3181	461	11	.	.	PUNCT
fsr-3181	462	1	the	the	DET
fsr-3181	462	2	journal	journal	PROPN
fsr-3181	462	3	of	of	ADP
fsr-3181	462	4	finance	finance	NOUN
fsr-3181	462	5	,	,	PUNCT
fsr-3181	462	6	28(3	28(3	NUM
fsr-3181	462	7	)	)	PUNCT
fsr-3181	462	8	,	,	PUNCT
fsr-3181	462	9	587	587	NUM
fsr-3181	462	10	-	-	SYM
fsr-3181	462	11	600	600	NUM
fsr-3181	462	12	.	.	PUNCT
fsr-3181	463	1	gomes	gome	NOUN
fsr-3181	463	2	,	,	PUNCT
fsr-3181	463	3	f.	f.	PROPN
fsr-3181	463	4	,	,	PUNCT
fsr-3181	463	5	haliassos	haliassos	NOUN
fsr-3181	463	6	,	,	PUNCT
fsr-3181	463	7	m.	m.	NOUN
fsr-3181	463	8	,	,	PUNCT
fsr-3181	463	9	&	&	CCONJ
fsr-3181	463	10	ramadorai	ramadorai	PROPN
fsr-3181	463	11	,	,	PUNCT
fsr-3181	463	12	t.	t.	PROPN
fsr-3181	463	13	(	(	PUNCT
fsr-3181	463	14	2021	2021	NUM
fsr-3181	463	15	)	)	PUNCT
fsr-3181	463	16	.	.	PUNCT
fsr-3181	464	1	household	household	NOUN
fsr-3181	464	2	finance	finance	NOUN
fsr-3181	464	3	.	.	PUNCT
fsr-3181	465	1	journal	journal	NOUN
fsr-3181	465	2	of	of	ADP
fsr-3181	465	3	economic	economic	ADJ
fsr-3181	465	4	literature	literature	NOUN
fsr-3181	465	5	,	,	PUNCT
fsr-3181	465	6	59(3	59(3	NUM
fsr-3181	465	7	)	)	PUNCT
fsr-3181	465	8	,	,	PUNCT
fsr-3181	465	9	919	919	NUM
fsr-3181	465	10	-	-	SYM
fsr-3181	465	11	1000	1000	NUM
fsr-3181	465	12	.	.	PUNCT
fsr-3181	466	1	glumov	glumov	PROPN
fsr-3181	466	2	,	,	PUNCT
fsr-3181	466	3	d.	d.	PROPN
fsr-3181	466	4	(	(	PUNCT
fsr-3181	466	5	2013	2013	NUM
fsr-3181	466	6	)	)	PUNCT
fsr-3181	466	7	.	.	PUNCT
fsr-3181	467	1	how	how	SCONJ
fsr-3181	467	2	did	do	AUX
fsr-3181	467	3	the	the	DET
fsr-3181	467	4	great	great	ADJ
fsr-3181	467	5	financial	financial	ADJ
fsr-3181	467	6	crisis	crisis	NOUN
fsr-3181	467	7	affect	affect	VERB
fsr-3181	467	8	portfolio	portfolio	NOUN
fsr-3181	467	9	allocations	allocation	NOUN
fsr-3181	467	10	and	and	CCONJ
fsr-3181	467	11	attitudes	attitude	NOUN
fsr-3181	467	12	towards	towards	ADP
fsr-3181	467	13	risk	risk	NOUN
fsr-3181	467	14	?	?	PUNCT
fsr-3181	468	1	evidence	evidence	NOUN
fsr-3181	468	2	from	from	ADP
fsr-3181	468	3	the	the	DET
fsr-3181	468	4	survey	survey	NOUN
fsr-3181	468	5	of	of	ADP
fsr-3181	468	6	consumer	consumer	NOUN
fsr-3181	468	7	finances	finance	NOUN
fsr-3181	468	8	.	.	PUNCT
fsr-3181	469	1	retrieved	retrieve	VERB
fsr-3181	469	2	from	from	ADP
fsr-3181	469	3	http://papers.ssrn.com/sol3/papers	http://papers.ssrn.com/sol3/paper	NOUN
fsr-3181	469	4	.	.	PUNCT
fsr-3181	470	1	cfm?abstract_id=2293189	cfm?abstract_id=2293189	PROPN
fsr-3181	470	2	.	.	PUNCT
fsr-3181	471	1	grable	grable	PROPN
fsr-3181	471	2	,	,	PUNCT
fsr-3181	471	3	j.	j.	PROPN
fsr-3181	471	4	e.	e.	PROPN
fsr-3181	471	5	(	(	PUNCT
fsr-3181	471	6	2016	2016	NUM
fsr-3181	471	7	)	)	PUNCT
fsr-3181	471	8	.	.	PUNCT
fsr-3181	472	1	the	the	DET
fsr-3181	472	2	case	case	NOUN
fsr-3181	472	3	approach	approach	NOUN
fsr-3181	472	4	to	to	ADP
fsr-3181	472	5	financial	financial	ADJ
fsr-3181	472	6	planning	planning	NOUN
fsr-3181	472	7	bridging	bridge	VERB
fsr-3181	472	8	the	the	DET
fsr-3181	472	9	gap	gap	NOUN
fsr-3181	472	10	between	between	ADP
fsr-3181	472	11	theory	theory	NOUN
fsr-3181	472	12	and	and	CCONJ
fsr-3181	472	13	practice	practice	NOUN
fsr-3181	472	14	(	(	PUNCT
fsr-3181	472	15	3rd	3rd	ADJ
fsr-3181	472	16	ed	ed	NOUN
fsr-3181	472	17	.	.	PUNCT
fsr-3181	472	18	)	)	PUNCT
fsr-3181	472	19	.	.	PUNCT
fsr-3181	473	1	the	the	DET
fsr-3181	473	2	national	national	ADJ
fsr-3181	473	3	underwriter	underwriter	NOUN
fsr-3181	473	4	company	company	NOUN
fsr-3181	473	5	.	.	PUNCT
fsr-3181	474	1	hau	hau	PROPN
fsr-3181	474	2	,	,	PUNCT
fsr-3181	474	3	a.	a.	NOUN
fsr-3181	474	4	(	(	PUNCT
fsr-3181	474	5	2000	2000	NUM
fsr-3181	474	6	)	)	PUNCT
fsr-3181	474	7	.	.	PUNCT
fsr-3181	475	1	liquidity	liquidity	NOUN
fsr-3181	475	2	,	,	PUNCT
fsr-3181	475	3	estate	estate	NOUN
fsr-3181	475	4	liquidation	liquidation	NOUN
fsr-3181	475	5	,	,	PUNCT
fsr-3181	475	6	charitable	charitable	ADJ
fsr-3181	475	7	motives	motive	NOUN
fsr-3181	475	8	,	,	PUNCT
fsr-3181	475	9	and	and	CCONJ
fsr-3181	475	10	life	life	NOUN
fsr-3181	475	11	insurance	insurance	NOUN
fsr-3181	475	12	demand	demand	NOUN
fsr-3181	475	13	by	by	ADP
fsr-3181	475	14	retired	retired	ADJ
fsr-3181	475	15	singles	single	NOUN
fsr-3181	475	16	.	.	PUNCT
fsr-3181	476	1	journal	journal	NOUN
fsr-3181	476	2	of	of	ADP
fsr-3181	476	3	risk	risk	NOUN
fsr-3181	476	4	and	and	CCONJ
fsr-3181	476	5	insurance	insurance	NOUN
fsr-3181	476	6	,	,	PUNCT
fsr-3181	476	7	67(1	67(1	NOUN
fsr-3181	476	8	)	)	PUNCT
fsr-3181	476	9	,	,	PUNCT
fsr-3181	476	10	123	123	NUM
fsr-3181	476	11	-	-	SYM
fsr-3181	476	12	141	141	NUM
fsr-3181	476	13	.	.	PUNCT
fsr-3181	477	1	headen	headen	ADJ
fsr-3181	477	2	,	,	PUNCT
fsr-3181	477	3	r.	r.	PROPN
fsr-3181	477	4	s.	s.	PROPN
fsr-3181	477	5	,	,	PUNCT
fsr-3181	477	6	&	&	CCONJ
fsr-3181	477	7	lee	lee	PROPN
fsr-3181	477	8	,	,	PUNCT
fsr-3181	477	9	j.	j.	PROPN
fsr-3181	477	10	f.	f.	PROPN
fsr-3181	477	11	(	(	PUNCT
fsr-3181	477	12	1974	1974	NUM
fsr-3181	477	13	)	)	PUNCT
fsr-3181	477	14	.	.	PUNCT
fsr-3181	478	1	life	life	NOUN
fsr-3181	478	2	insurance	insurance	NOUN
fsr-3181	478	3	demand	demand	NOUN
fsr-3181	478	4	and	and	CCONJ
fsr-3181	478	5	household	household	NOUN
fsr-3181	478	6	portfolio	portfolio	NOUN
fsr-3181	478	7	behavior	behavior	PROPN
fsr-3181	478	8	.	.	PUNCT
fsr-3181	479	1	journal	journal	PROPN
fsr-3181	479	2	of	of	ADP
fsr-3181	479	3	risk	risk	NOUN
fsr-3181	479	4	and	and	CCONJ
fsr-3181	479	5	insurance	insurance	NOUN
fsr-3181	479	6	,	,	PUNCT
fsr-3181	479	7	41(4	41(4	NUM
fsr-3181	479	8	)	)	PUNCT
fsr-3181	479	9	,	,	PUNCT
fsr-3181	479	10	685	685	NUM
fsr-3181	479	11	-	-	SYM
fsr-3181	479	12	698	698	NUM
fsr-3181	479	13	.	.	PUNCT
fsr-3181	480	1	heo	heo	PROPN
fsr-3181	480	2	,	,	PUNCT
fsr-3181	480	3	w.	w.	PROPN
fsr-3181	480	4	(	(	PUNCT
fsr-3181	480	5	2020	2020	NUM
fsr-3181	480	6	)	)	PUNCT
fsr-3181	480	7	.	.	PUNCT
fsr-3181	481	1	the	the	DET
fsr-3181	481	2	demand	demand	NOUN
fsr-3181	481	3	for	for	ADP
fsr-3181	481	4	life	life	NOUN
fsr-3181	481	5	insurance	insurance	NOUN
fsr-3181	481	6	:	:	PUNCT
fsr-3181	481	7	dynamic	dynamic	ADJ
fsr-3181	481	8	ecological	ecological	ADJ
fsr-3181	481	9	systemic	systemic	ADJ
fsr-3181	481	10	theory	theory	NOUN
fsr-3181	481	11	using	use	VERB
fsr-3181	481	12	machine	machine	NOUN
fsr-3181	481	13	learning	learn	VERB
fsr-3181	481	14	techniques	technique	NOUN
fsr-3181	481	15	.	.	PUNCT
fsr-3181	482	1	springer	springer	NOUN
fsr-3181	482	2	nature	nature	NOUN
fsr-3181	482	3	.	.	PUNCT
fsr-3181	483	1	heo	heo	PROPN
fsr-3181	483	2	,	,	PUNCT
fsr-3181	483	3	w.	w.	PROPN
fsr-3181	483	4	,	,	PUNCT
fsr-3181	483	5	&	&	CCONJ
fsr-3181	483	6	grable	grable	PROPN
fsr-3181	483	7	,	,	PUNCT
fsr-3181	483	8	j.	j.	PROPN
fsr-3181	483	9	e.	e.	PROPN
fsr-3181	483	10	(	(	PUNCT
fsr-3181	483	11	2017	2017	NUM
fsr-3181	483	12	)	)	PUNCT
fsr-3181	483	13	.	.	PUNCT
fsr-3181	484	1	demand	demand	NOUN
fsr-3181	484	2	for	for	ADP
fsr-3181	484	3	life	life	NOUN
fsr-3181	484	4	insurance	insurance	NOUN
fsr-3181	484	5	:	:	PUNCT
fsr-3181	484	6	a	a	DET
fsr-3181	484	7	consumer	consumer	NOUN
fsr-3181	484	8	perspective	perspective	NOUN
fsr-3181	484	9	.	.	PUNCT
fsr-3181	485	1	journal	journal	NOUN
fsr-3181	485	2	of	of	ADP
fsr-3181	485	3	financial	financial	ADJ
fsr-3181	485	4	service	service	NOUN
fsr-3181	485	5	professionals	professional	NOUN
fsr-3181	485	6	,	,	PUNCT
fsr-3181	485	7	71(3	71(3	NUM
fsr-3181	485	8	)	)	PUNCT
fsr-3181	485	9	,	,	PUNCT
fsr-3181	485	10	19	19	NUM
fsr-3181	485	11	-	-	SYM
fsr-3181	485	12	23	23	NUM
fsr-3181	485	13	.	.	PUNCT
fsr-3181	486	1	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2293189	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2293189	PROPN
fsr-3181	486	2	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2293189	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2293189	PROPN
fsr-3181	486	3	wang	wang	PROPN
fsr-3181	486	4	et	et	PROPN
fsr-3181	486	5	al	al	PROPN
fsr-3181	486	6	.	.	PROPN
fsr-3181	486	7	27	27	NUM
fsr-3181	486	8	heo	heo	PROPN
fsr-3181	486	9	,	,	PUNCT
fsr-3181	486	10	w.	w.	PROPN
fsr-3181	486	11	,	,	PUNCT
fsr-3181	486	12	grable	grable	PROPN
fsr-3181	486	13	,	,	PUNCT
fsr-3181	486	14	j.	j.	PROPN
fsr-3181	486	15	e.	e.	PROPN
fsr-3181	486	16	,	,	PUNCT
fsr-3181	486	17	&	&	CCONJ
fsr-3181	486	18	chatterjee	chatterjee	PROPN
fsr-3181	486	19	,	,	PUNCT
fsr-3181	486	20	s.	s.	PROPN
fsr-3181	486	21	(	(	PUNCT
fsr-3181	486	22	2013	2013	NUM
fsr-3181	486	23	)	)	PUNCT
fsr-3181	486	24	.	.	PUNCT
fsr-3181	487	1	life	life	NOUN
fsr-3181	487	2	insurance	insurance	NOUN
fsr-3181	487	3	consumption	consumption	NOUN
fsr-3181	487	4	as	as	ADP
fsr-3181	487	5	a	a	DET
fsr-3181	487	6	function	function	NOUN
fsr-3181	487	7	of	of	ADP
fsr-3181	487	8	wealth	wealth	NOUN
fsr-3181	487	9	change	change	NOUN
fsr-3181	487	10	.	.	PUNCT
fsr-3181	488	1	financial	financial	ADJ
fsr-3181	488	2	services	service	NOUN
fsr-3181	488	3	review	review	PROPN
fsr-3181	488	4	,	,	PUNCT
fsr-3181	488	5	22(4	22(4	NUM
fsr-3181	488	6	)	)	PUNCT
fsr-3181	488	7	,	,	PUNCT
fsr-3181	488	8	389	389	NUM
fsr-3181	488	9	-	-	SYM
fsr-3181	488	10	404	404	NUM
fsr-3181	488	11	.	.	PUNCT
fsr-3181	489	1	heo	heo	PROPN
fsr-3181	489	2	,	,	PUNCT
fsr-3181	489	3	w.	w.	PROPN
fsr-3181	489	4	,	,	PUNCT
fsr-3181	489	5	lee	lee	PROPN
fsr-3181	489	6	,	,	PUNCT
fsr-3181	489	7	j.	j.	PROPN
fsr-3181	489	8	m.	m.	PROPN
fsr-3181	489	9	,	,	PUNCT
fsr-3181	489	10	&	&	CCONJ
fsr-3181	489	11	park	park	PROPN
fsr-3181	489	12	,	,	PUNCT
fsr-3181	489	13	n.	n.	NOUN
fsr-3181	489	14	(	(	PUNCT
fsr-3181	489	15	2021	2021	NUM
fsr-3181	489	16	)	)	PUNCT
fsr-3181	489	17	.	.	PUNCT
fsr-3181	490	1	who	who	PRON
fsr-3181	490	2	demands	demand	VERB
fsr-3181	490	3	which	which	DET
fsr-3181	490	4	type	type	NOUN
fsr-3181	490	5	of	of	ADP
fsr-3181	490	6	life	life	NOUN
fsr-3181	490	7	insurance	insurance	NOUN
fsr-3181	490	8	?	?	PUNCT
fsr-3181	491	1	various	various	ADJ
fsr-3181	491	2	factors	factor	NOUN
fsr-3181	491	3	in	in	ADP
fsr-3181	491	4	life	life	NOUN
fsr-3181	491	5	insurance	insurance	NOUN
fsr-3181	491	6	ownership	ownership	NOUN
fsr-3181	491	7	.	.	PUNCT
fsr-3181	492	1	financial	financial	ADJ
fsr-3181	492	2	services	service	NOUN
fsr-3181	492	3	review	review	PROPN
fsr-3181	492	4	,	,	PUNCT
fsr-3181	492	5	29(2	29(2	NUM
fsr-3181	492	6	)	)	PUNCT
fsr-3181	492	7	,	,	PUNCT
fsr-3181	492	8	101	101	NUM
fsr-3181	492	9	-	-	SYM
fsr-3181	492	10	119	119	NUM
fsr-3181	492	11	.	.	PUNCT
fsr-3181	493	1	holsboer	holsboer	PROPN
fsr-3181	493	2	,	,	PUNCT
fsr-3181	493	3	j.	j.	PROPN
fsr-3181	493	4	h.	h.	PROPN
fsr-3181	493	5	(	(	PUNCT
fsr-3181	493	6	2000	2000	NUM
fsr-3181	493	7	)	)	PUNCT
fsr-3181	493	8	.	.	PUNCT
fsr-3181	494	1	the	the	DET
fsr-3181	494	2	impact	impact	NOUN
fsr-3181	494	3	of	of	ADP
fsr-3181	494	4	low	low	ADJ
fsr-3181	494	5	interest	interest	NOUN
fsr-3181	494	6	rates	rate	NOUN
fsr-3181	494	7	on	on	ADP
fsr-3181	494	8	insurers	insurer	NOUN
fsr-3181	494	9	.	.	PUNCT
fsr-3181	495	1	the	the	DET
fsr-3181	495	2	geneva	geneva	PROPN
fsr-3181	495	3	papers	paper	NOUN
fsr-3181	495	4	on	on	ADP
fsr-3181	495	5	risk	risk	NOUN
fsr-3181	495	6	and	and	CCONJ
fsr-3181	495	7	insurance	insurance	NOUN
fsr-3181	495	8	issues	issue	NOUN
fsr-3181	495	9	and	and	CCONJ
fsr-3181	495	10	practice	practice	NOUN
fsr-3181	495	11	,	,	PUNCT
fsr-3181	495	12	25(1	25(1	NUM
fsr-3181	495	13	)	)	PUNCT
fsr-3181	495	14	,	,	PUNCT
fsr-3181	495	15	38	38	NUM
fsr-3181	495	16	-	-	SYM
fsr-3181	495	17	58	58	NUM
fsr-3181	495	18	.	.	PUNCT
fsr-3181	496	1	hoopes	hoopes	PROPN
fsr-3181	496	2	,	,	PUNCT
fsr-3181	496	3	j.	j.	PROPN
fsr-3181	496	4	,	,	PUNCT
fsr-3181	496	5	langetieg	langetieg	PROPN
fsr-3181	496	6	,	,	PUNCT
fsr-3181	496	7	p.	p.	PROPN
fsr-3181	496	8	,	,	PUNCT
fsr-3181	496	9	nagel	nagel	PROPN
fsr-3181	496	10	,	,	PUNCT
fsr-3181	496	11	s.	s.	PROPN
fsr-3181	496	12	,	,	PUNCT
fsr-3181	496	13	reck	reck	PROPN
fsr-3181	496	14	,	,	PUNCT
fsr-3181	496	15	d.	d.	PROPN
fsr-3181	496	16	,	,	PUNCT
fsr-3181	496	17	slemrod	slemrod	NOUN
fsr-3181	496	18	,	,	PUNCT
fsr-3181	496	19	j.	j.	PROPN
fsr-3181	496	20	,	,	PUNCT
fsr-3181	496	21	&	&	CCONJ
fsr-3181	496	22	stuart	stuart	PROPN
fsr-3181	496	23	,	,	PUNCT
fsr-3181	496	24	b.	b.	PROPN
fsr-3181	496	25	(	(	PUNCT
fsr-3181	496	26	2016	2016	NUM
fsr-3181	496	27	)	)	PUNCT
fsr-3181	496	28	.	.	PUNCT
fsr-3181	497	1	who	who	PRON
fsr-3181	497	2	sold	sell	VERB
fsr-3181	497	3	during	during	ADP
fsr-3181	497	4	the	the	DET
fsr-3181	497	5	crash	crash	NOUN
fsr-3181	497	6	of	of	ADP
fsr-3181	497	7	2008	2008	NUM
fsr-3181	497	8	-	-	SYM
fsr-3181	497	9	9	9	NUM
fsr-3181	497	10	?	?	PUNCT
fsr-3181	497	11	evidence	evidence	NOUN
fsr-3181	497	12	from	from	ADP
fsr-3181	497	13	tax	tax	NOUN
fsr-3181	497	14	-	-	PUNCT
fsr-3181	497	15	return	return	NOUN
fsr-3181	497	16	data	datum	NOUN
fsr-3181	497	17	on	on	ADP
fsr-3181	497	18	daily	daily	ADJ
fsr-3181	497	19	sales	sale	NOUN
fsr-3181	497	20	of	of	ADP
fsr-3181	497	21	stock	stock	NOUN
fsr-3181	497	22	.	.	PUNCT
fsr-3181	498	1	nber	nber	PROPN
fsr-3181	498	2	working	working	PROPN
fsr-3181	498	3	paper	paper	PROPN
fsr-3181	498	4	no	no	INTJ
fsr-3181	498	5	.	.	PUNCT
fsr-3181	499	1	w22209	w22209	NOUN
fsr-3181	499	2	.	.	PUNCT
fsr-3181	500	1	national	national	PROPN
fsr-3181	500	2	bureau	bureau	PROPN
fsr-3181	500	3	of	of	ADP
fsr-3181	500	4	economic	economic	ADJ
fsr-3181	500	5	research	research	NOUN
fsr-3181	500	6	.	.	PUNCT
fsr-3181	501	1	hubener	hubener	NOUN
fsr-3181	501	2	,	,	PUNCT
fsr-3181	501	3	a.	a.	PROPN
fsr-3181	501	4	,	,	PUNCT
fsr-3181	501	5	maurer	maurer	PROPN
fsr-3181	501	6	,	,	PUNCT
fsr-3181	501	7	r.	r.	PROPN
fsr-3181	501	8	,	,	PUNCT
fsr-3181	501	9	&	&	CCONJ
fsr-3181	501	10	mitchell	mitchell	PROPN
fsr-3181	501	11	,	,	PUNCT
fsr-3181	501	12	o.	o.	PROPN
fsr-3181	501	13	s.	s.	PROPN
fsr-3181	501	14	(	(	PUNCT
fsr-3181	501	15	2016	2016	NUM
fsr-3181	501	16	)	)	PUNCT
fsr-3181	501	17	.	.	PUNCT
fsr-3181	502	1	how	how	SCONJ
fsr-3181	502	2	family	family	NOUN
fsr-3181	502	3	status	status	NOUN
fsr-3181	502	4	and	and	CCONJ
fsr-3181	502	5	social	social	ADJ
fsr-3181	502	6	security	security	NOUN
fsr-3181	502	7	claiming	claim	VERB
fsr-3181	502	8	options	option	NOUN
fsr-3181	502	9	shape	shape	VERB
fsr-3181	502	10	optimal	optimal	ADJ
fsr-3181	502	11	life	life	NOUN
fsr-3181	502	12	cycle	cycle	NOUN
fsr-3181	502	13	portfolios	portfolio	NOUN
fsr-3181	502	14	.	.	PUNCT
fsr-3181	503	1	the	the	DET
fsr-3181	503	2	review	review	NOUN
fsr-3181	503	3	of	of	ADP
fsr-3181	503	4	financial	financial	ADJ
fsr-3181	503	5	studies	study	NOUN
fsr-3181	503	6	,	,	PUNCT
fsr-3181	503	7	29(4	29(4	NOUN
fsr-3181	503	8	)	)	PUNCT
fsr-3181	503	9	,	,	PUNCT
fsr-3181	503	10	937	937	NUM
fsr-3181	503	11	-	-	SYM
fsr-3181	503	12	978	978	NUM
fsr-3181	503	13	.	.	PUNCT
fsr-3181	504	1	inkmann	inkmann	PROPN
fsr-3181	504	2	,	,	PUNCT
fsr-3181	504	3	j.	j.	PROPN
fsr-3181	504	4	,	,	PUNCT
fsr-3181	504	5	&	&	CCONJ
fsr-3181	504	6	michaelides	michaelide	NOUN
fsr-3181	504	7	,	,	PUNCT
fsr-3181	504	8	a.	a.	NOUN
fsr-3181	504	9	(	(	PUNCT
fsr-3181	504	10	2012	2012	NUM
fsr-3181	504	11	)	)	PUNCT
fsr-3181	504	12	.	.	PUNCT
fsr-3181	505	1	can	can	AUX
fsr-3181	505	2	the	the	DET
fsr-3181	505	3	life	life	NOUN
fsr-3181	505	4	insurance	insurance	NOUN
fsr-3181	505	5	market	market	NOUN
fsr-3181	505	6	provide	provide	VERB
fsr-3181	505	7	evidence	evidence	NOUN
fsr-3181	505	8	for	for	ADP
fsr-3181	505	9	a	a	DET
fsr-3181	505	10	bequest	bequest	NOUN
fsr-3181	505	11	motive	motive	NOUN
fsr-3181	505	12	?	?	PUNCT
fsr-3181	506	1	journal	journal	NOUN
fsr-3181	506	2	of	of	ADP
fsr-3181	506	3	risk	risk	NOUN
fsr-3181	506	4	and	and	CCONJ
fsr-3181	506	5	insurance	insurance	NOUN
fsr-3181	506	6	,	,	PUNCT
fsr-3181	506	7	79(3	79(3	NUM
fsr-3181	506	8	)	)	PUNCT
fsr-3181	506	9	,	,	PUNCT
fsr-3181	506	10	671	671	NUM
fsr-3181	506	11	-	-	SYM
fsr-3181	506	12	695	695	NUM
fsr-3181	506	13	.	.	PUNCT
fsr-3181	507	1	lewis	lewis	PROPN
fsr-3181	507	2	,	,	PUNCT
fsr-3181	507	3	f.	f.	PROPN
fsr-3181	507	4	(	(	PUNCT
fsr-3181	507	5	1989	1989	NUM
fsr-3181	507	6	)	)	PUNCT
fsr-3181	507	7	.	.	PUNCT
fsr-3181	508	1	dependents	dependent	NOUN
fsr-3181	508	2	and	and	CCONJ
fsr-3181	508	3	the	the	DET
fsr-3181	508	4	demand	demand	NOUN
fsr-3181	508	5	for	for	ADP
fsr-3181	508	6	life	life	NOUN
fsr-3181	508	7	insurance	insurance	NOUN
fsr-3181	508	8	.	.	PUNCT
fsr-3181	509	1	the	the	DET
fsr-3181	509	2	american	american	PROPN
fsr-3181	509	3	economic	economic	PROPN
fsr-3181	509	4	review	review	PROPN
fsr-3181	509	5	,	,	PUNCT
fsr-3181	509	6	79(3	79(3	NUM
fsr-3181	509	7	)	)	PUNCT
fsr-3181	509	8	,	,	PUNCT
fsr-3181	509	9	452	452	NUM
fsr-3181	509	10	-	-	SYM
fsr-3181	509	11	467	467	NUM
fsr-3181	509	12	.	.	PUNCT
fsr-3181	510	1	liebenberg	liebenberg	PROPN
fsr-3181	510	2	,	,	PUNCT
fsr-3181	510	3	a.	a.	PROPN
fsr-3181	510	4	p.	p.	PROPN
fsr-3181	510	5	,	,	PUNCT
fsr-3181	510	6	carson	carson	PROPN
fsr-3181	510	7	,	,	PUNCT
fsr-3181	510	8	j.	j.	PROPN
fsr-3181	510	9	m.	m.	PROPN
fsr-3181	510	10	,	,	PUNCT
fsr-3181	510	11	&	&	CCONJ
fsr-3181	510	12	hoyt	hoyt	PROPN
fsr-3181	510	13	,	,	PUNCT
fsr-3181	510	14	r.	r.	PROPN
fsr-3181	510	15	e.	e.	PROPN
fsr-3181	510	16	(	(	PUNCT
fsr-3181	510	17	2010	2010	NUM
fsr-3181	510	18	)	)	PUNCT
fsr-3181	510	19	.	.	PUNCT
fsr-3181	511	1	the	the	DET
fsr-3181	511	2	demand	demand	NOUN
fsr-3181	511	3	for	for	ADP
fsr-3181	511	4	life	life	NOUN
fsr-3181	511	5	insurance	insurance	NOUN
fsr-3181	511	6	policy	policy	NOUN
fsr-3181	511	7	loans	loan	NOUN
fsr-3181	511	8	.	.	PUNCT
fsr-3181	512	1	journal	journal	NOUN
fsr-3181	512	2	of	of	ADP
fsr-3181	512	3	risk	risk	NOUN
fsr-3181	512	4	and	and	CCONJ
fsr-3181	512	5	insurance	insurance	NOUN
fsr-3181	512	6	,	,	PUNCT
fsr-3181	512	7	77(3	77(3	NUM
fsr-3181	512	8	)	)	PUNCT
fsr-3181	512	9	,	,	PUNCT
fsr-3181	512	10	651	651	NUM
fsr-3181	512	11	-	-	SYM
fsr-3181	512	12	666	666	NUM
fsr-3181	512	13	.	.	PUNCT
fsr-3181	513	1	liebenberg	liebenberg	ADV
fsr-3181	513	2	,	,	PUNCT
fsr-3181	513	3	a.	a.	PROPN
fsr-3181	513	4	p.	p.	PROPN
fsr-3181	513	5	,	,	PUNCT
fsr-3181	513	6	carson	carson	PROPN
fsr-3181	513	7	,	,	PUNCT
fsr-3181	513	8	j.	j.	PROPN
fsr-3181	513	9	m.	m.	PROPN
fsr-3181	513	10	,	,	PUNCT
fsr-3181	513	11	&	&	CCONJ
fsr-3181	513	12	dumm	dumm	PROPN
fsr-3181	513	13	,	,	PUNCT
fsr-3181	513	14	r.	r.	PROPN
fsr-3181	513	15	e.	e.	PROPN
fsr-3181	513	16	(	(	PUNCT
fsr-3181	513	17	2012	2012	NUM
fsr-3181	513	18	)	)	PUNCT
fsr-3181	513	19	.	.	PUNCT
fsr-3181	514	1	a	a	DET
fsr-3181	514	2	dynamic	dynamic	ADJ
fsr-3181	514	3	analysis	analysis	NOUN
fsr-3181	514	4	of	of	ADP
fsr-3181	514	5	the	the	DET
fsr-3181	514	6	demand	demand	NOUN
fsr-3181	514	7	for	for	ADP
fsr-3181	514	8	life	life	NOUN
fsr-3181	514	9	insurance	insurance	NOUN
fsr-3181	514	10	.	.	PUNCT
fsr-3181	515	1	journal	journal	NOUN
fsr-3181	515	2	of	of	ADP
fsr-3181	515	3	risk	risk	NOUN
fsr-3181	515	4	and	and	CCONJ
fsr-3181	515	5	insurance	insurance	NOUN
fsr-3181	515	6	,	,	PUNCT
fsr-3181	515	7	79(3	79(3	NUM
fsr-3181	515	8	)	)	PUNCT
fsr-3181	515	9	,	,	PUNCT
fsr-3181	515	10	619	619	NUM
fsr-3181	515	11	-	-	SYM
fsr-3181	515	12	644	644	NUM
fsr-3181	515	13	.	.	PUNCT
fsr-3181	516	1	lin	lin	PROPN
fsr-3181	516	2	,	,	PUNCT
fsr-3181	516	3	y.	y.	PROPN
fsr-3181	516	4	,	,	PUNCT
fsr-3181	516	5	&	&	CCONJ
fsr-3181	516	6	grace	grace	NOUN
fsr-3181	516	7	,	,	PUNCT
fsr-3181	516	8	m.	m.	NOUN
fsr-3181	516	9	f.	f.	PROPN
fsr-3181	516	10	(	(	PUNCT
fsr-3181	516	11	2007	2007	NUM
fsr-3181	516	12	)	)	PUNCT
fsr-3181	516	13	.	.	PUNCT
fsr-3181	517	1	household	household	NOUN
fsr-3181	517	2	life	life	NOUN
fsr-3181	517	3	cycle	cycle	NOUN
fsr-3181	517	4	protection	protection	NOUN
fsr-3181	517	5	:	:	PUNCT
fsr-3181	517	6	life	life	NOUN
fsr-3181	517	7	insurance	insurance	NOUN
fsr-3181	517	8	holdings	holding	NOUN
fsr-3181	517	9	,	,	PUNCT
fsr-3181	517	10	financial	financial	ADJ
fsr-3181	517	11	vulnerability	vulnerability	NOUN
fsr-3181	517	12	,	,	PUNCT
fsr-3181	517	13	and	and	CCONJ
fsr-3181	517	14	portfolio	portfolio	NOUN
fsr-3181	517	15	implications	implication	NOUN
fsr-3181	517	16	.	.	PUNCT
fsr-3181	518	1	journal	journal	NOUN
fsr-3181	518	2	of	of	ADP
fsr-3181	518	3	risk	risk	NOUN
fsr-3181	518	4	and	and	CCONJ
fsr-3181	518	5	insurance	insurance	NOUN
fsr-3181	518	6	,	,	PUNCT
fsr-3181	518	7	74(1	74(1	NOUN
fsr-3181	518	8	)	)	PUNCT
fsr-3181	518	9	,	,	PUNCT
fsr-3181	518	10	141	141	NUM
fsr-3181	518	11	-	-	SYM
fsr-3181	518	12	173	173	NUM
fsr-3181	518	13	.	.	PUNCT
fsr-3181	519	1	luciano	luciano	PROPN
fsr-3181	519	2	,	,	PUNCT
fsr-3181	519	3	e.	e.	PROPN
fsr-3181	519	4	,	,	PUNCT
fsr-3181	519	5	outreville	outreville	PROPN
fsr-3181	519	6	,	,	PUNCT
fsr-3181	519	7	j.	j.	PROPN
fsr-3181	519	8	f.	f.	PROPN
fsr-3181	519	9	,	,	PUNCT
fsr-3181	519	10	&	&	CCONJ
fsr-3181	519	11	rossi	rossi	PROPN
fsr-3181	519	12	,	,	PUNCT
fsr-3181	519	13	m.	m.	NOUN
fsr-3181	519	14	(	(	PUNCT
fsr-3181	519	15	2016	2016	NUM
fsr-3181	519	16	)	)	PUNCT
fsr-3181	519	17	.	.	PUNCT
fsr-3181	520	1	life	life	NOUN
fsr-3181	520	2	insurance	insurance	NOUN
fsr-3181	520	3	ownership	ownership	NOUN
fsr-3181	520	4	by	by	ADP
fsr-3181	520	5	italian	italian	ADJ
fsr-3181	520	6	households	household	NOUN
fsr-3181	520	7	:	:	PUNCT
fsr-3181	520	8	a	a	DET
fsr-3181	520	9	gender	gender	NOUN
fsr-3181	520	10	-	-	PUNCT
fsr-3181	520	11	based	base	VERB
fsr-3181	520	12	differences	difference	NOUN
fsr-3181	520	13	analysis	analysis	NOUN
fsr-3181	520	14	.	.	PUNCT
fsr-3181	521	1	the	the	DET
fsr-3181	521	2	geneva	geneva	PROPN
fsr-3181	521	3	papers	paper	NOUN
fsr-3181	521	4	on	on	ADP
fsr-3181	521	5	risk	risk	NOUN
fsr-3181	521	6	and	and	CCONJ
fsr-3181	521	7	insurance	insurance	NOUN
fsr-3181	521	8	issues	issue	NOUN
fsr-3181	521	9	and	and	CCONJ
fsr-3181	521	10	practice	practice	NOUN
fsr-3181	521	11	,	,	PUNCT
fsr-3181	521	12	41(3	41(3	NUM
fsr-3181	521	13	)	)	PUNCT
fsr-3181	521	14	,	,	PUNCT
fsr-3181	521	15	468	468	NUM
fsr-3181	521	16	-	-	SYM
fsr-3181	521	17	490	490	NUM
fsr-3181	521	18	.	.	PUNCT
fsr-3181	522	1	maremont	maremont	PROPN
fsr-3181	522	2	,	,	PUNCT
fsr-3181	522	3	m.	m.	NOUN
fsr-3181	522	4	,	,	PUNCT
fsr-3181	522	5	&	&	CCONJ
fsr-3181	522	6	scism	scism	NOUN
fsr-3181	522	7	,	,	PUNCT
fsr-3181	522	8	l.	l.	PROPN
fsr-3181	522	9	(	(	PUNCT
fsr-3181	522	10	2010	2010	NUM
fsr-3181	522	11	)	)	PUNCT
fsr-3181	522	12	.	.	PUNCT
fsr-3181	523	1	shift	shift	VERB
fsr-3181	523	2	to	to	ADP
fsr-3181	523	3	wealthier	wealthy	ADJ
fsr-3181	523	4	clientele	clientele	PROPN
fsr-3181	523	5	puts	put	VERB
fsr-3181	523	6	life	life	NOUN
fsr-3181	523	7	insurers	insurer	NOUN
fsr-3181	523	8	in	in	ADP
fsr-3181	523	9	a	a	DET
fsr-3181	523	10	bind	bind	NOUN
fsr-3181	523	11	.	.	PUNCT
fsr-3181	524	1	the	the	DET
fsr-3181	524	2	wall	wall	PROPN
fsr-3181	524	3	street	street	PROPN
fsr-3181	524	4	journal	journal	PROPN
fsr-3181	524	5	.	.	PUNCT
fsr-3181	525	1	http://online.wsj.com/article/sb1000142	http://online.wsj.com/article/sb1000142	NOUN
fsr-3181	525	2	40527487034351045754214114495552	40527487034351045754214114495552	NUM
fsr-3181	525	3	40	40	NUM
fsr-3181	525	4	.	.	PUNCT
fsr-3181	526	1	miller	miller	PROPN
fsr-3181	526	2	,	,	PUNCT
fsr-3181	526	3	m.	m.	NOUN
fsr-3181	526	4	a.	a.	NOUN
fsr-3181	526	5	(	(	PUNCT
fsr-3181	526	6	1985	1985	NUM
fsr-3181	526	7	)	)	PUNCT
fsr-3181	526	8	.	.	PUNCT
fsr-3181	527	1	age	age	NOUN
fsr-3181	527	2	-	-	PUNCT
fsr-3181	527	3	related	relate	VERB
fsr-3181	527	4	reductions	reduction	NOUN
fsr-3181	527	5	in	in	ADP
fsr-3181	527	6	workers	worker	NOUN
fsr-3181	527	7	'	'	PART
fsr-3181	527	8	life	life	NOUN
fsr-3181	527	9	insurance	insurance	NOUN
fsr-3181	527	10	.	.	PUNCT
fsr-3181	528	1	monthly	monthly	ADJ
fsr-3181	528	2	labor	labor	NOUN
fsr-3181	528	3	review	review	NOUN
fsr-3181	528	4	,	,	PUNCT
fsr-3181	528	5	108	108	NUM
fsr-3181	528	6	,	,	PUNCT
fsr-3181	528	7	29	29	NUM
fsr-3181	528	8	-	-	SYM
fsr-3181	528	9	34	34	NUM
fsr-3181	528	10	.	.	PUNCT
fsr-3181	529	1	mulholland	mulholland	PROPN
fsr-3181	529	2	,	,	PUNCT
fsr-3181	529	3	b.	b.	PROPN
fsr-3181	529	4	,	,	PUNCT
fsr-3181	529	5	finke	finke	PROPN
fsr-3181	529	6	,	,	PUNCT
fsr-3181	529	7	m.	m.	NOUN
fsr-3181	529	8	,	,	PUNCT
fsr-3181	529	9	&	&	CCONJ
fsr-3181	529	10	huston	huston	PROPN
fsr-3181	529	11	,	,	PUNCT
fsr-3181	529	12	s.	s.	PROPN
fsr-3181	529	13	(	(	PUNCT
fsr-3181	529	14	2016	2016	NUM
fsr-3181	529	15	)	)	PUNCT
fsr-3181	529	16	.	.	PUNCT
fsr-3181	530	1	understanding	understand	VERB
fsr-3181	530	2	the	the	DET
fsr-3181	530	3	shift	shift	NOUN
fsr-3181	530	4	in	in	ADP
fsr-3181	530	5	demand	demand	NOUN
fsr-3181	530	6	for	for	ADP
fsr-3181	530	7	cash	cash	NOUN
fsr-3181	530	8	value	value	NOUN
fsr-3181	530	9	life	life	NOUN
fsr-3181	530	10	insurance	insurance	NOUN
fsr-3181	530	11	.	.	PUNCT
fsr-3181	531	1	risk	risk	NOUN
fsr-3181	531	2	management	management	NOUN
fsr-3181	531	3	and	and	CCONJ
fsr-3181	531	4	insurance	insurance	NOUN
fsr-3181	531	5	review	review	NOUN
fsr-3181	531	6	,	,	PUNCT
fsr-3181	531	7	19(1	19(1	NUM
fsr-3181	531	8	)	)	PUNCT
fsr-3181	531	9	,	,	PUNCT
fsr-3181	531	10	7	7	NUM
fsr-3181	531	11	-	-	SYM
fsr-3181	531	12	36	36	NUM
fsr-3181	531	13	.	.	PUNCT
fsr-3181	532	1	o'neill	o'neill	PROPN
fsr-3181	532	2	,	,	PUNCT
fsr-3181	532	3	b.	b.	PROPN
fsr-3181	532	4	,	,	PUNCT
fsr-3181	532	5	&	&	CCONJ
fsr-3181	532	6	xiao	xiao	PROPN
fsr-3181	532	7	,	,	PUNCT
fsr-3181	532	8	j.	j.	PROPN
fsr-3181	532	9	j.	j.	PROPN
fsr-3181	532	10	(	(	PUNCT
fsr-3181	532	11	2012	2012	NUM
fsr-3181	532	12	)	)	PUNCT
fsr-3181	532	13	.	.	PUNCT
fsr-3181	533	1	financial	financial	ADJ
fsr-3181	533	2	behaviors	behavior	NOUN
fsr-3181	533	3	before	before	ADP
fsr-3181	533	4	and	and	CCONJ
fsr-3181	533	5	after	after	ADP
fsr-3181	533	6	the	the	DET
fsr-3181	533	7	financial	financial	ADJ
fsr-3181	533	8	crisis	crisis	NOUN
fsr-3181	533	9	:	:	PUNCT
fsr-3181	533	10	evidence	evidence	NOUN
fsr-3181	533	11	from	from	ADP
fsr-3181	533	12	an	an	DET
fsr-3181	533	13	online	online	ADJ
fsr-3181	533	14	survey	survey	NOUN
fsr-3181	533	15	.	.	PUNCT
fsr-3181	534	1	journal	journal	NOUN
fsr-3181	534	2	of	of	ADP
fsr-3181	534	3	financial	financial	ADJ
fsr-3181	534	4	counseling	counseling	NOUN
fsr-3181	534	5	and	and	CCONJ
fsr-3181	534	6	planning	planning	NOUN
fsr-3181	534	7	,	,	PUNCT
fsr-3181	534	8	23(1	23(1	NOUN
fsr-3181	534	9	)	)	PUNCT
fsr-3181	534	10	,	,	PUNCT
fsr-3181	534	11	33	33	NUM
fsr-3181	534	12	-	-	SYM
fsr-3181	534	13	46	46	NUM
fsr-3181	534	14	.	.	PUNCT
fsr-3181	535	1	outreville	outreville	NOUN
fsr-3181	535	2	,	,	PUNCT
fsr-3181	535	3	j.	j.	PROPN
fsr-3181	535	4	f.	f.	PROPN
fsr-3181	535	5	(	(	PUNCT
fsr-3181	535	6	2013	2013	NUM
fsr-3181	535	7	)	)	PUNCT
fsr-3181	535	8	.	.	PUNCT
fsr-3181	536	1	the	the	DET
fsr-3181	536	2	relationship	relationship	NOUN
fsr-3181	536	3	between	between	ADP
fsr-3181	536	4	insurance	insurance	NOUN
fsr-3181	536	5	and	and	CCONJ
fsr-3181	536	6	economic	economic	ADJ
fsr-3181	536	7	development	development	NOUN
fsr-3181	536	8	:	:	PUNCT
fsr-3181	536	9	85	85	NUM
fsr-3181	536	10	empirical	empirical	ADJ
fsr-3181	536	11	papers	paper	NOUN
fsr-3181	536	12	for	for	ADP
fsr-3181	536	13	a	a	DET
fsr-3181	536	14	review	review	NOUN
fsr-3181	536	15	of	of	ADP
fsr-3181	536	16	the	the	DET
fsr-3181	536	17	literature	literature	NOUN
fsr-3181	536	18	.	.	PUNCT
fsr-3181	537	1	risk	risk	NOUN
fsr-3181	537	2	management	management	NOUN
fsr-3181	537	3	and	and	CCONJ
fsr-3181	537	4	insurance	insurance	NOUN
fsr-3181	537	5	review	review	PROPN
fsr-3181	537	6	,	,	PUNCT
fsr-3181	537	7	16(1	16(1	NUM
fsr-3181	537	8	)	)	PUNCT
fsr-3181	537	9	,	,	PUNCT
fsr-3181	537	10	71	71	NUM
fsr-3181	537	11	-	-	SYM
fsr-3181	537	12	122	122	NUM
fsr-3181	537	13	.	.	PUNCT
fsr-3181	537	14	outreville	outreville	NOUN
fsr-3181	537	15	,	,	PUNCT
fsr-3181	537	16	j.	j.	PROPN
fsr-3181	537	17	f.	f.	PROPN
fsr-3181	537	18	(	(	PUNCT
fsr-3181	537	19	2014	2014	NUM
fsr-3181	537	20	)	)	PUNCT
fsr-3181	537	21	.	.	PUNCT
fsr-3181	538	1	risk	risk	NOUN
fsr-3181	538	2	aversion	aversion	NOUN
fsr-3181	538	3	,	,	PUNCT
fsr-3181	538	4	risk	risk	NOUN
fsr-3181	538	5	behavior	behavior	NOUN
fsr-3181	538	6	,	,	PUNCT
fsr-3181	538	7	and	and	CCONJ
fsr-3181	538	8	demand	demand	NOUN
fsr-3181	538	9	for	for	ADP
fsr-3181	538	10	insurance	insurance	NOUN
fsr-3181	538	11	:	:	PUNCT
fsr-3181	538	12	a	a	DET
fsr-3181	538	13	survey	survey	NOUN
fsr-3181	538	14	.	.	PUNCT
fsr-3181	539	1	journal	journal	NOUN
fsr-3181	539	2	of	of	ADP
fsr-3181	539	3	insurance	insurance	NOUN
fsr-3181	539	4	issues	issue	NOUN
fsr-3181	539	5	,	,	PUNCT
fsr-3181	539	6	37(2	37(2	NOUN
fsr-3181	539	7	)	)	PUNCT
fsr-3181	539	8	,	,	PUNCT
fsr-3181	539	9	158	158	NUM
fsr-3181	539	10	-	-	SYM
fsr-3181	539	11	186	186	NUM
fsr-3181	539	12	.	.	PUNCT
fsr-3181	540	1	pissarides	pissaride	NOUN
fsr-3181	540	2	,	,	PUNCT
fsr-3181	540	3	c.	c.	PROPN
fsr-3181	540	4	a.	a.	NOUN
fsr-3181	540	5	(	(	PUNCT
fsr-3181	540	6	1980	1980	NUM
fsr-3181	540	7	)	)	PUNCT
fsr-3181	540	8	.	.	PUNCT
fsr-3181	541	1	the	the	DET
fsr-3181	541	2	wealth	wealth	NOUN
fsr-3181	541	3	-	-	PUNCT
fsr-3181	541	4	age	age	NOUN
fsr-3181	541	5	relation	relation	NOUN
fsr-3181	541	6	with	with	ADP
fsr-3181	541	7	life	life	NOUN
fsr-3181	541	8	insurance	insurance	NOUN
fsr-3181	541	9	.	.	PUNCT
fsr-3181	542	1	economica	economica	PROPN
fsr-3181	542	2	,	,	PUNCT
fsr-3181	542	3	47(188	47(188	PROPN
fsr-3181	542	4	)	)	PUNCT
fsr-3181	542	5	,	,	PUNCT
fsr-3181	542	6	451	451	NUM
fsr-3181	542	7	-	-	SYM
fsr-3181	542	8	457	457	NUM
fsr-3181	542	9	.	.	PUNCT
fsr-3181	543	1	rabbani	rabbani	PROPN
fsr-3181	543	2	,	,	PUNCT
fsr-3181	543	3	a.	a.	NOUN
fsr-3181	543	4	g.	g.	PROPN
fsr-3181	543	5	,	,	PUNCT
fsr-3181	543	6	grable	grable	PROPN
fsr-3181	543	7	,	,	PUNCT
fsr-3181	543	8	j.	j.	PROPN
fsr-3181	543	9	e.	e.	PROPN
fsr-3181	543	10	,	,	PUNCT
fsr-3181	543	11	heo	heo	PROPN
fsr-3181	543	12	,	,	PUNCT
fsr-3181	543	13	w.	w.	PROPN
fsr-3181	543	14	,	,	PUNCT
fsr-3181	543	15	nobre	nobre	PROPN
fsr-3181	543	16	,	,	PUNCT
fsr-3181	543	17	l.	l.	PROPN
fsr-3181	543	18	,	,	PUNCT
fsr-3181	543	19	&	&	CCONJ
fsr-3181	543	20	kuzniak	kuzniak	PROPN
fsr-3181	543	21	,	,	PUNCT
fsr-3181	543	22	s.	s.	PROPN
fsr-3181	543	23	(	(	PUNCT
fsr-3181	543	24	2017	2017	NUM
fsr-3181	543	25	)	)	PUNCT
fsr-3181	543	26	.	.	PUNCT
fsr-3181	544	1	stock	stock	NOUN
fsr-3181	544	2	market	market	NOUN
fsr-3181	544	3	volatility	volatility	NOUN
fsr-3181	544	4	and	and	CCONJ
fsr-3181	544	5	changes	change	NOUN
fsr-3181	544	6	in	in	ADP
fsr-3181	544	7	financial	financial	ADJ
fsr-3181	544	8	risk	risk	NOUN
fsr-3181	544	9	tolerance	tolerance	NOUN
fsr-3181	544	10	during	during	ADP
fsr-3181	544	11	the	the	DET
fsr-3181	544	12	great	great	ADJ
fsr-3181	544	13	recession	recession	NOUN
fsr-3181	544	14	.	.	PUNCT
fsr-3181	545	1	journal	journal	NOUN
fsr-3181	545	2	of	of	ADP
fsr-3181	545	3	financial	financial	ADJ
fsr-3181	545	4	counseling	counseling	NOUN
fsr-3181	545	5	and	and	CCONJ
fsr-3181	545	6	planning	planning	NOUN
fsr-3181	545	7	,	,	PUNCT
fsr-3181	545	8	28(1	28(1	NOUN
fsr-3181	545	9	):	):	PUNCT
fsr-3181	545	10	140154	140154	NUM
fsr-3181	545	11	.	.	PUNCT
fsr-3181	546	1	scott	scott	PROPN
fsr-3181	546	2	,	,	PUNCT
fsr-3181	546	3	j.	j.	PROPN
fsr-3181	546	4	k.	k.	PROPN
fsr-3181	546	5	,	,	PUNCT
fsr-3181	546	6	&	&	CCONJ
fsr-3181	546	7	gilliam	gilliam	PROPN
fsr-3181	546	8	,	,	PUNCT
fsr-3181	546	9	j.	j.	PROPN
fsr-3181	546	10	(	(	PUNCT
fsr-3181	546	11	2014	2014	NUM
fsr-3181	546	12	)	)	PUNCT
fsr-3181	546	13	.	.	PUNCT
fsr-3181	547	1	boomers	boomer	NOUN
fsr-3181	547	2	'	'	PART
fsr-3181	547	3	life	life	NOUN
fsr-3181	547	4	insurance	insurance	NOUN
fsr-3181	547	5	adequacy	adequacy	NOUN
fsr-3181	547	6	pre-	pre-	NOUN
fsr-3181	547	7	&	&	CCONJ
fsr-3181	547	8	post	post	VERB
fsr-3181	547	9	the	the	DET
fsr-3181	547	10	2008	2008	NUM
fsr-3181	547	11	financial	financial	ADJ
fsr-3181	547	12	services	service	NOUN
fsr-3181	547	13	review	review	NOUN
fsr-3181	547	14	,	,	PUNCT
fsr-3181	547	15	32(1	32(1	NUM
fsr-3181	547	16	)	)	PUNCT
fsr-3181	547	17	28	28	NUM
fsr-3181	547	18	financial	financial	ADJ
fsr-3181	547	19	crisis	crisis	NOUN
fsr-3181	547	20	.	.	PUNCT
fsr-3181	548	1	financial	financial	ADJ
fsr-3181	548	2	services	service	NOUN
fsr-3181	548	3	review	review	PROPN
fsr-3181	548	4	,	,	PUNCT
fsr-3181	548	5	23(4	23(4	NOUN
fsr-3181	548	6	)	)	PUNCT
fsr-3181	548	7	,	,	PUNCT
fsr-3181	548	8	287	287	NUM
fsr-3181	548	9	-	-	SYM
fsr-3181	548	10	304	304	NUM
fsr-3181	548	11	.	.	PUNCT
fsr-3181	549	1	shi	shi	PROPN
fsr-3181	549	2	,	,	PUNCT
fsr-3181	549	3	x.	x.	PROPN
fsr-3181	549	4	,	,	PUNCT
fsr-3181	549	5	wang	wang	PROPN
fsr-3181	549	6	,	,	PUNCT
fsr-3181	549	7	h.	h.	PROPN
fsr-3181	549	8	j.	j.	PROPN
fsr-3181	549	9	,	,	PUNCT
fsr-3181	549	10	&	&	CCONJ
fsr-3181	549	11	xing	xing	PROPN
fsr-3181	549	12	,	,	PUNCT
fsr-3181	549	13	c.	c.	PROPN
fsr-3181	549	14	(	(	PUNCT
fsr-3181	549	15	2015	2015	NUM
fsr-3181	549	16	)	)	PUNCT
fsr-3181	549	17	.	.	PUNCT
fsr-3181	550	1	the	the	DET
fsr-3181	550	2	role	role	NOUN
fsr-3181	550	3	of	of	ADP
fsr-3181	550	4	life	life	NOUN
fsr-3181	550	5	insurance	insurance	NOUN
fsr-3181	550	6	in	in	ADP
fsr-3181	550	7	an	an	DET
fsr-3181	550	8	emerging	emerge	VERB
fsr-3181	550	9	economy	economy	NOUN
fsr-3181	550	10	:	:	PUNCT
fsr-3181	550	11	human	human	ADJ
fsr-3181	550	12	capital	capital	NOUN
fsr-3181	550	13	protection	protection	NOUN
fsr-3181	550	14	,	,	PUNCT
fsr-3181	550	15	assets	asset	NOUN
fsr-3181	550	16	allocation	allocation	NOUN
fsr-3181	550	17	and	and	CCONJ
fsr-3181	550	18	social	social	ADJ
fsr-3181	550	19	interaction	interaction	NOUN
fsr-3181	550	20	.	.	PUNCT
fsr-3181	551	1	journal	journal	PROPN
fsr-3181	551	2	of	of	ADP
fsr-3181	551	3	banking	banking	NOUN
fsr-3181	551	4	&	&	CCONJ
fsr-3181	551	5	finance	finance	NOUN
fsr-3181	551	6	,	,	PUNCT
fsr-3181	551	7	50(c	50(c	NUM
fsr-3181	551	8	)	)	PUNCT
fsr-3181	551	9	,	,	PUNCT
fsr-3181	551	10	19	19	NUM
fsr-3181	551	11	-	-	SYM
fsr-3181	551	12	33	33	NUM
fsr-3181	551	13	.	.	PUNCT
fsr-3181	552	1	swiss	swiss	PROPN
fsr-3181	552	2	re	re	PROPN
fsr-3181	552	3	.	.	PUNCT
fsr-3181	552	4	(	(	PUNCT
fsr-3181	552	5	2009	2009	NUM
fsr-3181	552	6	)	)	PUNCT
fsr-3181	552	7	.	.	PUNCT
fsr-3181	553	1	world	world	NOUN
fsr-3181	553	2	insurance	insurance	NOUN
fsr-3181	553	3	in	in	ADP
fsr-3181	553	4	2008	2008	NUM
fsr-3181	553	5	.	.	PUNCT
fsr-3181	554	1	sigma	sigma	PROPN
fsr-3181	554	2	no	no	PRON
fsr-3181	554	3	.	.	PROPN
fsr-3181	555	1	3	3	X
fsr-3181	555	2	.	.	X
fsr-3181	555	3	wang	wang	PROPN
fsr-3181	555	4	,	,	PUNCT
fsr-3181	555	5	n.	n.	PROPN
fsr-3181	555	6	(	(	PUNCT
fsr-3181	555	7	2019	2019	NUM
fsr-3181	555	8	)	)	PUNCT
fsr-3181	555	9	.	.	PUNCT
fsr-3181	556	1	the	the	DET
fsr-3181	556	2	demand	demand	NOUN
fsr-3181	556	3	for	for	ADP
fsr-3181	556	4	life	life	NOUN
fsr-3181	556	5	insurance	insurance	NOUN
fsr-3181	556	6	in	in	ADP
fsr-3181	556	7	a	a	DET
fsr-3181	556	8	heterogeneous	heterogeneous	ADJ
fsr-3181	556	9	-	-	PUNCT
fsr-3181	556	10	agent	agent	NOUN
fsr-3181	556	11	life	life	NOUN
fsr-3181	556	12	cycle	cycle	NOUN
fsr-3181	556	13	economy	economy	NOUN
fsr-3181	556	14	with	with	ADP
fsr-3181	556	15	joint	joint	ADJ
fsr-3181	556	16	decisions	decision	NOUN
fsr-3181	556	17	.	.	PUNCT
fsr-3181	557	1	the	the	DET
fsr-3181	557	2	geneva	geneva	PROPN
fsr-3181	557	3	risk	risk	NOUN
fsr-3181	557	4	and	and	CCONJ
fsr-3181	557	5	insurance	insurance	NOUN
fsr-3181	557	6	review	review	NOUN
fsr-3181	557	7	,	,	PUNCT
fsr-3181	557	8	44(2	44(2	NUM
fsr-3181	557	9	):	):	PUNCT
fsr-3181	557	10	176	176	NUM
fsr-3181	557	11	-	-	SYM
fsr-3181	557	12	206	206	NUM
fsr-3181	557	13	.	.	PUNCT
fsr-3181	558	1	wang	wang	PROPN
fsr-3181	558	2	,	,	PUNCT
fsr-3181	558	3	n.	n.	PROPN
fsr-3181	558	4	(	(	PUNCT
fsr-3181	558	5	2023	2023	NUM
fsr-3181	558	6	)	)	PUNCT
fsr-3181	558	7	.	.	PUNCT
fsr-3181	559	1	a	a	DET
fsr-3181	559	2	dynamic	dynamic	ADJ
fsr-3181	559	3	analysis	analysis	NOUN
fsr-3181	559	4	of	of	ADP
fsr-3181	559	5	the	the	DET
fsr-3181	559	6	demand	demand	NOUN
fsr-3181	559	7	for	for	ADP
fsr-3181	559	8	life	life	NOUN
fsr-3181	559	9	insurance	insurance	NOUN
fsr-3181	559	10	during	during	ADP
fsr-3181	559	11	the	the	DET
fsr-3181	559	12	2008	2008	NUM
fsr-3181	559	13	financial	financial	ADJ
fsr-3181	559	14	crisis	crisis	NOUN
fsr-3181	559	15	:	:	PUNCT
fsr-3181	559	16	evidence	evidence	NOUN
fsr-3181	559	17	from	from	ADP
fsr-3181	559	18	the	the	DET
fsr-3181	559	19	panel	panel	NOUN
fsr-3181	559	20	survey	survey	NOUN
fsr-3181	559	21	of	of	ADP
fsr-3181	559	22	consumer	consumer	NOUN
fsr-3181	559	23	finances	finance	NOUN
fsr-3181	559	24	.	.	PUNCT
fsr-3181	560	1	the	the	DET
fsr-3181	560	2	geneva	geneva	PROPN
fsr-3181	560	3	papers	paper	NOUN
fsr-3181	560	4	on	on	ADP
fsr-3181	560	5	risk	risk	NOUN
fsr-3181	560	6	and	and	CCONJ
fsr-3181	560	7	insurance	insurance	NOUN
fsr-3181	560	8	issues	issue	NOUN
fsr-3181	560	9	and	and	CCONJ
fsr-3181	560	10	practice	practice	NOUN
fsr-3181	560	11	,	,	PUNCT
fsr-3181	560	12	48(4	48(4	NUM
fsr-3181	560	13	)	)	PUNCT
fsr-3181	560	14	,	,	PUNCT
fsr-3181	560	15	733	733	NUM
fsr-3181	560	16	-	-	SYM
fsr-3181	560	17	759	759	NUM
fsr-3181	560	18	.	.	PUNCT
fsr-3181	561	1	https://doi.org/10.1057/s41288-02100262-2	https://doi.org/10.1057/s41288-02100262-2	NOUN
fsr-3181	561	2	.	.	PUNCT
fsr-3181	562	1	zietz	zietz	PROPN
fsr-3181	562	2	,	,	PUNCT
fsr-3181	562	3	e.	e.	PROPN
fsr-3181	562	4	n.	n.	PROPN
fsr-3181	562	5	(	(	PUNCT
fsr-3181	562	6	2003	2003	NUM
fsr-3181	562	7	)	)	PUNCT
fsr-3181	562	8	.	.	PUNCT
fsr-3181	563	1	an	an	DET
fsr-3181	563	2	examination	examination	NOUN
fsr-3181	563	3	of	of	ADP
fsr-3181	563	4	the	the	DET
fsr-3181	563	5	demand	demand	NOUN
fsr-3181	563	6	for	for	ADP
fsr-3181	563	7	life	life	NOUN
fsr-3181	563	8	insurance	insurance	NOUN
fsr-3181	563	9	.	.	PUNCT
fsr-3181	564	1	risk	risk	NOUN
fsr-3181	564	2	management	management	NOUN
fsr-3181	564	3	and	and	CCONJ
fsr-3181	564	4	insurance	insurance	NOUN
fsr-3181	564	5	review	review	NOUN
fsr-3181	564	6	,	,	PUNCT
fsr-3181	564	7	6(2	6(2	NUM
fsr-3181	564	8	):	):	PUNCT
fsr-3181	564	9	159	159	NUM
fsr-3181	564	10	-	-	SYM
fsr-3181	564	11	191	191	NUM
fsr-3181	564	12	.	.	PUNCT
fsr-3181	565	1	zhu	zhu	PROPN
fsr-3181	565	2	,	,	PUNCT
fsr-3181	565	3	y.	y.	PROPN
fsr-3181	565	4	(	(	PUNCT
fsr-3181	565	5	2007	2007	NUM
fsr-3181	565	6	)	)	PUNCT
fsr-3181	565	7	.	.	PUNCT
fsr-3181	566	1	one	one	NUM
fsr-3181	566	2	-	-	PUNCT
fsr-3181	566	3	period	period	NOUN
fsr-3181	566	4	model	model	NOUN
fsr-3181	566	5	of	of	ADP
fsr-3181	566	6	individual	individual	ADJ
fsr-3181	566	7	consumption	consumption	NOUN
fsr-3181	566	8	,	,	PUNCT
fsr-3181	566	9	life	life	NOUN
fsr-3181	566	10	insurance	insurance	NOUN
fsr-3181	566	11	,	,	PUNCT
fsr-3181	566	12	and	and	CCONJ
fsr-3181	566	13	investment	investment	NOUN
fsr-3181	566	14	decisions	decision	NOUN
fsr-3181	566	15	.	.	PUNCT
fsr-3181	567	1	journal	journal	NOUN
fsr-3181	567	2	of	of	ADP
fsr-3181	567	3	risk	risk	NOUN
fsr-3181	567	4	and	and	CCONJ
fsr-3181	567	5	insurance	insurance	NOUN
fsr-3181	567	6	,	,	PUNCT
fsr-3181	567	7	74(3	74(3	NOUN
fsr-3181	567	8	):	):	PUNCT
fsr-3181	567	9	613	613	NUM
fsr-3181	567	10	-	-	SYM
fsr-3181	567	11	636	636	NUM
fsr-3181	567	12	.	.	PUNCT