id	sid	tid	token	lemma	pos
fsr-3203	1	1	boomers	boomer	NOUN
fsr-3203	1	2	’	’	PART
fsr-3203	1	3	life	life	NOUN
fsr-3203	1	4	insurance	insurance	NOUN
fsr-3203	1	5	adequacy	adequacy	NOUN
fsr-3203	1	6	pre	pre	X
fsr-3203	1	7	&	&	CCONJ
fsr-3203	1	8	post	post	VERB
fsr-3203	1	9	the	the	DET
fsr-3203	1	10	2008	2008	NUM
fsr-3203	1	11	financial	financial	ADJ
fsr-3203	1	12	crisis	crisis	NOUN
fsr-3203	1	13	janine	janine	PROPN
fsr-3203	1	14	k.	k.	PROPN
fsr-3203	1	15	scott	scott	PROPN
fsr-3203	1	16	,	,	PUNCT
fsr-3203	1	17	ph.d.a	ph.d.a	PROPN
fsr-3203	1	18	,	,	PUNCT
fsr-3203	1	19	*	*	PUNCT
fsr-3203	1	20	,	,	PUNCT
fsr-3203	1	21	john	john	PROPN
fsr-3203	1	22	gilliam	gilliam	PROPN
fsr-3203	1	23	,	,	PUNCT
fsr-3203	1	24	ph.d	ph.d	PROPN
fsr-3203	1	25	.	.	PROPN
fsr-3203	1	26	,	,	PUNCT
fsr-3203	1	27	mba	mba	PROPN
fsr-3203	1	28	,	,	PUNCT
fsr-3203	1	29	cfp	cfp	PROPN
fsr-3203	1	30	,	,	PUNCT
fsr-3203	1	31	chfc	chfc	NOUN
fsr-3203	1	32	,	,	PUNCT
fsr-3203	1	33	club	club	NOUN
fsr-3203	1	34	aschool	aschool	NOUN
fsr-3203	1	35	of	of	ADP
fsr-3203	1	36	economics	economic	NOUN
fsr-3203	1	37	&	&	CCONJ
fsr-3203	1	38	finance	finance	PROPN
fsr-3203	1	39	,	,	PUNCT
fsr-3203	1	40	massey	massey	PROPN
fsr-3203	1	41	university	university	PROPN
fsr-3203	1	42	,	,	PUNCT
fsr-3203	1	43	palmerston	palmerston	PROPN
fsr-3203	1	44	north	north	PROPN
fsr-3203	1	45	,	,	PUNCT
fsr-3203	1	46	new	new	PROPN
fsr-3203	1	47	zealand	zealand	PROPN
fsr-3203	1	48	bdepartment	bdepartment	NOUN
fsr-3203	1	49	of	of	ADP
fsr-3203	1	50	personal	personal	ADJ
fsr-3203	1	51	financial	financial	ADJ
fsr-3203	1	52	planning	planning	NOUN
fsr-3203	1	53	,	,	PUNCT
fsr-3203	1	54	texas	texas	PROPN
fsr-3203	1	55	tech	tech	PROPN
fsr-3203	1	56	university	university	PROPN
fsr-3203	1	57	,	,	PUNCT
fsr-3203	1	58	box	box	PROPN
fsr-3203	1	59	41210	41210	NUM
fsr-3203	1	60	,	,	PUNCT
fsr-3203	1	61	lubbock	lubbock	PROPN
fsr-3203	1	62	,	,	PUNCT
fsr-3203	1	63	tx	tx	PROPN
fsr-3203	1	64	79409	79409	NUM
fsr-3203	1	65	-	-	SYM
fsr-3203	1	66	1210	1210	NUM
fsr-3203	1	67	,	,	PUNCT
fsr-3203	1	68	usa	usa	PROPN
fsr-3203	1	69	abstract	abstract	PROPN
fsr-3203	1	70	the	the	DET
fsr-3203	1	71	baby	baby	NOUN
fsr-3203	1	72	boomers	boomer	NOUN
fsr-3203	1	73	represent	represent	VERB
fsr-3203	1	74	a	a	DET
fsr-3203	1	75	large	large	ADJ
fsr-3203	1	76	percentage	percentage	NOUN
fsr-3203	1	77	of	of	ADP
fsr-3203	1	78	the	the	DET
fsr-3203	1	79	u.s	u.s	PROPN
fsr-3203	1	80	.	.	PROPN
fsr-3203	1	81	population	population	NOUN
fsr-3203	1	82	and	and	CCONJ
fsr-3203	1	83	their	their	PRON
fsr-3203	1	84	preparation	preparation	NOUN
fsr-3203	1	85	for	for	ADP
fsr-3203	1	86	retirement	retirement	NOUN
fsr-3203	1	87	,	,	PUNCT
fsr-3203	1	88	or	or	CCONJ
fsr-3203	1	89	lack	lack	NOUN
fsr-3203	1	90	thereof	thereof	ADV
fsr-3203	1	91	,	,	PUNCT
fsr-3203	1	92	can	can	AUX
fsr-3203	1	93	affect	affect	VERB
fsr-3203	1	94	the	the	DET
fsr-3203	1	95	economy	economy	NOUN
fsr-3203	1	96	at	at	ADP
fsr-3203	1	97	large	large	ADJ
fsr-3203	1	98	.	.	PUNCT
fsr-3203	2	1	in	in	ADP
fsr-3203	2	2	light	light	NOUN
fsr-3203	2	3	of	of	ADP
fsr-3203	2	4	the	the	DET
fsr-3203	2	5	2008	2008	NUM
fsr-3203	2	6	financial	financial	ADJ
fsr-3203	2	7	crisis	crisis	NOUN
fsr-3203	2	8	,	,	PUNCT
fsr-3203	2	9	boomer	boomer	PROPN
fsr-3203	2	10	households	household	NOUN
fsr-3203	2	11	may	may	AUX
fsr-3203	2	12	be	be	AUX
fsr-3203	2	13	delaying	delay	VERB
fsr-3203	2	14	retirement	retirement	NOUN
fsr-3203	2	15	,	,	PUNCT
fsr-3203	2	16	choosing	choose	VERB
fsr-3203	2	17	to	to	PART
fsr-3203	2	18	work	work	VERB
fsr-3203	2	19	longer	long	ADV
fsr-3203	2	20	.	.	PUNCT
fsr-3203	3	1	using	use	VERB
fsr-3203	3	2	the	the	DET
fsr-3203	3	3	2004	2004	NUM
fsr-3203	3	4	and	and	CCONJ
fsr-3203	3	5	2010	2010	NUM
fsr-3203	3	6	survey	survey	NOUN
fsr-3203	3	7	of	of	ADP
fsr-3203	3	8	consumer	consumer	NOUN
fsr-3203	3	9	finance	finance	NOUN
fsr-3203	3	10	,	,	PUNCT
fsr-3203	3	11	logistic	logistic	ADJ
fsr-3203	3	12	regression	regression	NOUN
fsr-3203	3	13	analyses	analysis	NOUN
fsr-3203	3	14	are	be	AUX
fsr-3203	3	15	used	use	VERB
fsr-3203	3	16	to	to	PART
fsr-3203	3	17	examine	examine	VERB
fsr-3203	3	18	life	life	NOUN
fsr-3203	3	19	insurance	insurance	NOUN
fsr-3203	3	20	adequacy	adequacy	NOUN
fsr-3203	3	21	among	among	ADP
fsr-3203	3	22	boomers	boomer	NOUN
fsr-3203	3	23	before	before	ADP
fsr-3203	3	24	and	and	CCONJ
fsr-3203	3	25	after	after	ADP
fsr-3203	3	26	the	the	DET
fsr-3203	3	27	financial	financial	ADJ
fsr-3203	3	28	crisis	crisis	NOUN
fsr-3203	3	29	of	of	ADP
fsr-3203	3	30	2008	2008	NUM
fsr-3203	3	31	.	.	PUNCT
fsr-3203	4	1	we	we	PRON
fsr-3203	4	2	find	find	VERB
fsr-3203	4	3	a	a	DET
fsr-3203	4	4	significant	significant	ADJ
fsr-3203	4	5	difference	difference	NOUN
fsr-3203	4	6	in	in	ADP
fsr-3203	4	7	2010	2010	NUM
fsr-3203	4	8	between	between	ADP
fsr-3203	4	9	the	the	DET
fsr-3203	4	10	baby	baby	NOUN
fsr-3203	4	11	boomers	boomer	NOUN
fsr-3203	4	12	and	and	CCONJ
fsr-3203	4	13	the	the	DET
fsr-3203	4	14	senior	senior	ADJ
fsr-3203	4	15	generation	generation	NOUN
fsr-3203	4	16	in	in	ADP
fsr-3203	4	17	life	life	NOUN
fsr-3203	4	18	insurance	insurance	NOUN
fsr-3203	4	19	adequacy	adequacy	NOUN
fsr-3203	4	20	.	.	PUNCT
fsr-3203	5	1	variables	variable	NOUN
fsr-3203	5	2	related	relate	VERB
fsr-3203	5	3	to	to	ADP
fsr-3203	5	4	net	net	ADJ
fsr-3203	5	5	worth	worth	NOUN
fsr-3203	5	6	,	,	PUNCT
fsr-3203	5	7	such	such	ADJ
fsr-3203	5	8	as	as	ADP
fsr-3203	5	9	income	income	NOUN
fsr-3203	5	10	,	,	PUNCT
fsr-3203	5	11	marital	marital	ADJ
fsr-3203	5	12	status	status	NOUN
fsr-3203	5	13	,	,	PUNCT
fsr-3203	5	14	and	and	CCONJ
fsr-3203	5	15	self	self	NOUN
fsr-3203	5	16	-	-	PUNCT
fsr-3203	5	17	insurability	insurability	NOUN
fsr-3203	5	18	,	,	PUNCT
fsr-3203	5	19	were	be	AUX
fsr-3203	5	20	significant	significant	ADJ
fsr-3203	5	21	predictors	predictor	NOUN
fsr-3203	5	22	of	of	ADP
fsr-3203	5	23	life	life	NOUN
fsr-3203	5	24	insurance	insurance	NOUN
fsr-3203	5	25	adequacy	adequacy	NOUN
fsr-3203	5	26	.	.	PUNCT
fsr-3203	6	1	given	give	VERB
fsr-3203	6	2	greater	great	ADJ
fsr-3203	6	3	life	life	NOUN
fsr-3203	6	4	insurance	insurance	NOUN
fsr-3203	6	5	adequacy	adequacy	NOUN
fsr-3203	6	6	among	among	ADP
fsr-3203	6	7	those	those	PRON
fsr-3203	6	8	with	with	ADP
fsr-3203	6	9	higher	high	ADJ
fsr-3203	6	10	income	income	NOUN
fsr-3203	6	11	,	,	PUNCT
fsr-3203	6	12	increasing	increase	VERB
fsr-3203	6	13	group	group	NOUN
fsr-3203	6	14	term	term	NOUN
fsr-3203	6	15	insurance	insurance	NOUN
fsr-3203	6	16	may	may	AUX
fsr-3203	6	17	help	help	VERB
fsr-3203	6	18	mid	mid	ADJ
fsr-3203	6	19	to	to	ADP
fsr-3203	6	20	low	low	ADJ
fsr-3203	6	21	income	income	NOUN
fsr-3203	6	22	households	household	NOUN
fsr-3203	6	23	.	.	PUNCT
fsr-3203	7	1	further	further	ADJ
fsr-3203	7	2	implications	implication	NOUN
fsr-3203	7	3	to	to	ADP
fsr-3203	7	4	practitioners	practitioner	NOUN
fsr-3203	7	5	,	,	PUNCT
fsr-3203	7	6	agents	agent	NOUN
fsr-3203	7	7	,	,	PUNCT
fsr-3203	7	8	and	and	CCONJ
fsr-3203	7	9	educators	educator	NOUN
fsr-3203	7	10	are	be	AUX
fsr-3203	7	11	discussed	discuss	VERB
fsr-3203	7	12	.	.	PUNCT
fsr-3203	8	1	©	©	PROPN
fsr-3203	8	2	2014	2014	NUM
fsr-3203	8	3	academy	academy	NOUN
fsr-3203	8	4	of	of	ADP
fsr-3203	8	5	financial	financial	ADJ
fsr-3203	8	6	services	service	NOUN
fsr-3203	8	7	.	.	PUNCT
fsr-3203	9	1	all	all	DET
fsr-3203	9	2	rights	right	NOUN
fsr-3203	9	3	reserved	reserve	VERB
fsr-3203	9	4	.	.	PUNCT
fsr-3203	10	1	jel	jel	PROPN
fsr-3203	10	2	classification	classification	NOUN
fsr-3203	10	3	:	:	PUNCT
fsr-3203	10	4	g22	g22	ADJ
fsr-3203	10	5	keywords	keyword	NOUN
fsr-3203	10	6	:	:	PUNCT
fsr-3203	10	7	life	life	NOUN
fsr-3203	10	8	insurance	insurance	NOUN
fsr-3203	10	9	;	;	PUNCT
fsr-3203	10	10	baby	baby	NOUN
fsr-3203	10	11	boomers	boomer	NOUN
fsr-3203	10	12	;	;	PUNCT
fsr-3203	10	13	financial	financial	ADJ
fsr-3203	10	14	planner	planner	NOUN
fsr-3203	10	15	;	;	PUNCT
fsr-3203	10	16	human	human	ADJ
fsr-3203	10	17	capital	capital	NOUN
fsr-3203	10	18	1	1	NUM
fsr-3203	10	19	.	.	PUNCT
fsr-3203	10	20	introduction	introduction	NOUN
fsr-3203	10	21	the	the	DET
fsr-3203	10	22	oldest	old	ADJ
fsr-3203	10	23	baby	baby	NOUN
fsr-3203	10	24	boomers	boomer	NOUN
fsr-3203	10	25	(	(	PUNCT
fsr-3203	10	26	born	bear	VERB
fsr-3203	10	27	between	between	ADP
fsr-3203	10	28	1946	1946	NUM
fsr-3203	10	29	and	and	CCONJ
fsr-3203	10	30	1964	1964	NUM
fsr-3203	10	31	)	)	PUNCT
fsr-3203	10	32	,	,	PUNCT
fsr-3203	10	33	became	become	VERB
fsr-3203	10	34	eligible	eligible	ADJ
fsr-3203	10	35	to	to	PART
fsr-3203	10	36	draw	draw	VERB
fsr-3203	10	37	on	on	ADP
fsr-3203	10	38	social	social	ADJ
fsr-3203	10	39	security	security	NOUN
fsr-3203	10	40	during	during	ADP
fsr-3203	10	41	the	the	DET
fsr-3203	10	42	financial	financial	ADJ
fsr-3203	10	43	crisis	crisis	NOUN
fsr-3203	10	44	of	of	ADP
fsr-3203	10	45	2008	2008	NUM
fsr-3203	10	46	(	(	PUNCT
fsr-3203	10	47	farrell	farrell	PROPN
fsr-3203	10	48	,	,	PUNCT
fsr-3203	10	49	2013	2013	NUM
fsr-3203	10	50	)	)	PUNCT
fsr-3203	10	51	.	.	PUNCT
fsr-3203	11	1	as	as	SCONJ
fsr-3203	11	2	there	there	PRON
fsr-3203	11	3	are	be	VERB
fsr-3203	11	4	a	a	DET
fsr-3203	11	5	large	large	ADJ
fsr-3203	11	6	number	number	NOUN
fsr-3203	11	7	of	of	ADP
fsr-3203	11	8	older	old	ADJ
fsr-3203	11	9	americans	american	NOUN
fsr-3203	11	10	,	,	PUNCT
fsr-3203	11	11	specifically	specifically	ADV
fsr-3203	11	12	the	the	DET
fsr-3203	11	13	baby	baby	NOUN
fsr-3203	11	14	boomers	boomer	NOUN
fsr-3203	11	15	,	,	PUNCT
fsr-3203	11	16	examining	examine	VERB
fsr-3203	11	17	life	life	NOUN
fsr-3203	11	18	insurance	insurance	NOUN
fsr-3203	11	19	adequacy	adequacy	NOUN
fsr-3203	11	20	*	*	PUNCT
fsr-3203	11	21	corresponding	correspond	VERB
fsr-3203	11	22	author	author	NOUN
fsr-3203	11	23	.	.	PUNCT
fsr-3203	12	1	tel	tel	PROPN
fsr-3203	12	2	.	.	PUNCT
fsr-3203	12	3	:	:	PUNCT
fsr-3203	13	1	�	�	VERB
fsr-3203	13	2	64	64	NUM
fsr-3203	13	3	6	6	NUM
fsr-3203	13	4	3569099	3569099	NUM
fsr-3203	13	5	,	,	PUNCT
fsr-3203	13	6	ext	ext	NOUN
fsr-3203	13	7	83844	83844	NUM
fsr-3203	13	8	;	;	PUNCT
fsr-3203	13	9	fax	fax	NOUN
fsr-3203	13	10	:	:	PUNCT
fsr-3203	13	11	�	�	NOUN
fsr-3203	13	12	64	64	NUM
fsr-3203	13	13	6	6	NUM
fsr-3203	13	14	350	350	NUM
fsr-3203	13	15	5660	5660	NUM
fsr-3203	13	16	.	.	PUNCT
fsr-3203	14	1	e	e	X
fsr-3203	14	2	-	-	NOUN
fsr-3203	14	3	mail	mail	NOUN
fsr-3203	14	4	address	address	NOUN
fsr-3203	14	5	:	:	PUNCT
fsr-3203	14	6	j.k.scott@massey.ac.nz	j.k.scott@massey.ac.nz	PROPN
fsr-3203	14	7	(	(	PUNCT
fsr-3203	14	8	j.k	j.k	PROPN
fsr-3203	14	9	.	.	PROPN
fsr-3203	14	10	scott	scott	PROPN
fsr-3203	14	11	)	)	PUNCT
fsr-3203	14	12	financial	financial	PROPN
fsr-3203	14	13	services	service	NOUN
fsr-3203	14	14	review	review	VERB
fsr-3203	14	15	23	23	NUM
fsr-3203	14	16	(	(	PUNCT
fsr-3203	14	17	2014	2014	NUM
fsr-3203	14	18	)	)	PUNCT
fsr-3203	15	1	287–304	287–304	NUM
fsr-3203	15	2	1057	1057	NUM
fsr-3203	15	3	-	-	SYM
fsr-3203	15	4	0810/14/$	0810/14/$	NUM
fsr-3203	15	5	–	–	PUNCT
fsr-3203	15	6	see	see	VERB
fsr-3203	15	7	front	front	ADJ
fsr-3203	15	8	matter	matter	NOUN
fsr-3203	15	9	©	©	PROPN
fsr-3203	15	10	2014	2014	NUM
fsr-3203	15	11	academy	academy	NOUN
fsr-3203	15	12	of	of	ADP
fsr-3203	15	13	financial	financial	ADJ
fsr-3203	15	14	services	service	NOUN
fsr-3203	15	15	.	.	PUNCT
fsr-3203	16	1	all	all	DET
fsr-3203	16	2	rights	right	NOUN
fsr-3203	16	3	reserved	reserve	VERB
fsr-3203	16	4	.	.	PUNCT
fsr-3203	17	1	among	among	ADP
fsr-3203	17	2	this	this	DET
fsr-3203	17	3	subgroup	subgroup	NOUN
fsr-3203	17	4	of	of	ADP
fsr-3203	17	5	the	the	DET
fsr-3203	17	6	population	population	NOUN
fsr-3203	17	7	is	be	AUX
fsr-3203	17	8	an	an	DET
fsr-3203	17	9	important	important	ADJ
fsr-3203	17	10	recourse	recourse	NOUN
fsr-3203	17	11	.	.	PUNCT
fsr-3203	18	1	by	by	ADP
fsr-3203	18	2	2030	2030	NUM
fsr-3203	18	3	the	the	DET
fsr-3203	18	4	boomer	boomer	ADJ
fsr-3203	18	5	population	population	NOUN
fsr-3203	18	6	is	be	AUX
fsr-3203	18	7	projected	project	VERB
fsr-3203	18	8	to	to	PART
fsr-3203	18	9	be	be	AUX
fsr-3203	18	10	61	61	NUM
fsr-3203	18	11	million	million	NUM
fsr-3203	18	12	(	(	PUNCT
fsr-3203	18	13	knickman	knickman	NOUN
fsr-3203	18	14	and	and	CCONJ
fsr-3203	18	15	snell	snell	PROPN
fsr-3203	18	16	,	,	PUNCT
fsr-3203	18	17	2002	2002	NUM
fsr-3203	18	18	)	)	PUNCT
fsr-3203	18	19	.	.	PUNCT
fsr-3203	19	1	in	in	ADP
fsr-3203	19	2	the	the	DET
fsr-3203	19	3	event	event	NOUN
fsr-3203	19	4	that	that	PRON
fsr-3203	19	5	baby	baby	NOUN
fsr-3203	19	6	boomers	boomer	NOUN
fsr-3203	19	7	do	do	AUX
fsr-3203	19	8	not	not	PART
fsr-3203	19	9	have	have	VERB
fsr-3203	19	10	sufficient	sufficient	ADJ
fsr-3203	19	11	amounts	amount	NOUN
fsr-3203	19	12	of	of	ADP
fsr-3203	19	13	life	life	NOUN
fsr-3203	19	14	insurance	insurance	NOUN
fsr-3203	19	15	,	,	PUNCT
fsr-3203	19	16	they	they	PRON
fsr-3203	19	17	may	may	AUX
fsr-3203	19	18	sustain	sustain	VERB
fsr-3203	19	19	financial	financial	ADJ
fsr-3203	19	20	hardships	hardship	NOUN
fsr-3203	19	21	that	that	PRON
fsr-3203	19	22	have	have	VERB
fsr-3203	19	23	significant	significant	ADJ
fsr-3203	19	24	economic	economic	ADJ
fsr-3203	19	25	consequences	consequence	NOUN
fsr-3203	19	26	.	.	PUNCT
fsr-3203	20	1	the	the	DET
fsr-3203	20	2	impact	impact	NOUN
fsr-3203	20	3	of	of	ADP
fsr-3203	20	4	a	a	DET
fsr-3203	20	5	financial	financial	ADJ
fsr-3203	20	6	crisis	crisis	NOUN
fsr-3203	20	7	can	can	AUX
fsr-3203	20	8	especially	especially	ADV
fsr-3203	20	9	reduce	reduce	VERB
fsr-3203	20	10	the	the	DET
fsr-3203	20	11	purchasing	purchasing	NOUN
fsr-3203	20	12	power	power	NOUN
fsr-3203	20	13	of	of	ADP
fsr-3203	20	14	older	old	ADJ
fsr-3203	20	15	households	household	NOUN
fsr-3203	20	16	(	(	PUNCT
fsr-3203	20	17	kirkpatrick	kirkpatrick	PROPN
fsr-3203	20	18	and	and	CCONJ
fsr-3203	20	19	tennant	tennant	PROPN
fsr-3203	20	20	,	,	PUNCT
fsr-3203	20	21	2002	2002	NUM
fsr-3203	20	22	)	)	PUNCT
fsr-3203	20	23	.	.	PUNCT
fsr-3203	21	1	because	because	SCONJ
fsr-3203	21	2	these	these	DET
fsr-3203	21	3	households	household	NOUN
fsr-3203	21	4	are	be	AUX
fsr-3203	21	5	closer	close	ADJ
fsr-3203	21	6	to	to	ADP
fsr-3203	21	7	retirement	retirement	NOUN
fsr-3203	21	8	,	,	PUNCT
fsr-3203	21	9	they	they	PRON
fsr-3203	21	10	are	be	AUX
fsr-3203	21	11	more	more	ADV
fsr-3203	21	12	susceptible	susceptible	ADJ
fsr-3203	21	13	to	to	ADP
fsr-3203	21	14	income	income	NOUN
fsr-3203	21	15	shocks	shock	NOUN
fsr-3203	21	16	.	.	PUNCT
fsr-3203	22	1	holding	hold	VERB
fsr-3203	22	2	inadequate	inadequate	ADJ
fsr-3203	22	3	amounts	amount	NOUN
fsr-3203	22	4	of	of	ADP
fsr-3203	22	5	life	life	NOUN
fsr-3203	22	6	insurance	insurance	NOUN
fsr-3203	22	7	implies	imply	VERB
fsr-3203	22	8	that	that	SCONJ
fsr-3203	22	9	more	more	ADJ
fsr-3203	22	10	households	household	NOUN
fsr-3203	22	11	may	may	AUX
fsr-3203	22	12	have	have	VERB
fsr-3203	22	13	to	to	PART
fsr-3203	22	14	rely	rely	VERB
fsr-3203	22	15	on	on	ADP
fsr-3203	22	16	social	social	ADJ
fsr-3203	22	17	security	security	NOUN
fsr-3203	22	18	survivor	survivor	NOUN
fsr-3203	22	19	benefits	benefit	NOUN
fsr-3203	22	20	,	,	PUNCT
fsr-3203	22	21	placing	place	VERB
fsr-3203	22	22	additional	additional	ADJ
fsr-3203	22	23	strain	strain	NOUN
fsr-3203	22	24	on	on	ADP
fsr-3203	22	25	the	the	DET
fsr-3203	22	26	economy	economy	NOUN
fsr-3203	22	27	.	.	PUNCT
fsr-3203	23	1	because	because	SCONJ
fsr-3203	23	2	of	of	ADP
fsr-3203	23	3	the	the	DET
fsr-3203	23	4	purchasing	purchasing	NOUN
fsr-3203	23	5	and	and	CCONJ
fsr-3203	23	6	consumption	consumption	NOUN
fsr-3203	23	7	influence	influence	NOUN
fsr-3203	23	8	boomers	boomer	NOUN
fsr-3203	23	9	possess	possess	VERB
fsr-3203	23	10	,	,	PUNCT
fsr-3203	23	11	depressed	depressed	ADJ
fsr-3203	23	12	spending	spending	NOUN
fsr-3203	23	13	can	can	AUX
fsr-3203	23	14	weaken	weaken	VERB
fsr-3203	23	15	an	an	DET
fsr-3203	23	16	already	already	ADV
fsr-3203	23	17	strained	strained	ADJ
fsr-3203	23	18	economy	economy	NOUN
fsr-3203	23	19	(	(	PUNCT
fsr-3203	23	20	beinhocker	beinhocker	PROPN
fsr-3203	23	21	,	,	PUNCT
fsr-3203	23	22	farrell	farrell	PROPN
fsr-3203	23	23	,	,	PUNCT
fsr-3203	23	24	and	and	CCONJ
fsr-3203	23	25	greenberg	greenberg	PROPN
fsr-3203	23	26	,	,	PUNCT
fsr-3203	23	27	2009	2009	NUM
fsr-3203	23	28	)	)	PUNCT
fsr-3203	23	29	.	.	PUNCT
fsr-3203	24	1	older	old	ADJ
fsr-3203	24	2	households	household	NOUN
fsr-3203	24	3	are	be	AUX
fsr-3203	24	4	interested	interested	ADJ
fsr-3203	24	5	in	in	ADP
fsr-3203	24	6	insurance	insurance	NOUN
fsr-3203	24	7	not	not	PART
fsr-3203	24	8	only	only	ADV
fsr-3203	24	9	from	from	ADP
fsr-3203	24	10	a	a	DET
fsr-3203	24	11	pure	pure	ADJ
fsr-3203	24	12	death	death	NOUN
fsr-3203	24	13	protection	protection	NOUN
fsr-3203	24	14	standpoint	standpoint	NOUN
fsr-3203	24	15	(	(	PUNCT
fsr-3203	24	16	i.e.	i.e.	X
fsr-3203	24	17	,	,	PUNCT
fsr-3203	24	18	term	term	NOUN
fsr-3203	24	19	insurance	insurance	NOUN
fsr-3203	24	20	)	)	PUNCT
fsr-3203	24	21	.	.	PUNCT
fsr-3203	25	1	they	they	PRON
fsr-3203	25	2	are	be	AUX
fsr-3203	25	3	also	also	ADV
fsr-3203	25	4	interested	interested	ADJ
fsr-3203	25	5	in	in	ADP
fsr-3203	25	6	its	its	PRON
fsr-3203	25	7	saving	saving	NOUN
fsr-3203	25	8	component	component	NOUN
fsr-3203	25	9	,	,	PUNCT
fsr-3203	25	10	estate	estate	NOUN
fsr-3203	25	11	tax	tax	NOUN
fsr-3203	25	12	benefits	benefit	NOUN
fsr-3203	25	13	,	,	PUNCT
fsr-3203	25	14	in	in	ADP
fsr-3203	25	15	addition	addition	NOUN
fsr-3203	25	16	to	to	ADP
fsr-3203	25	17	bequest	bequest	NOUN
fsr-3203	25	18	motives	motive	NOUN
fsr-3203	25	19	(	(	PUNCT
fsr-3203	25	20	baek	baek	NOUN
fsr-3203	25	21	and	and	CCONJ
fsr-3203	25	22	devaney	devaney	PROPN
fsr-3203	25	23	,	,	PUNCT
fsr-3203	25	24	2005	2005	NUM
fsr-3203	25	25	;	;	PUNCT
fsr-3203	25	26	ibbotson	ibbotson	PROPN
fsr-3203	25	27	,	,	PUNCT
fsr-3203	25	28	milevsky	milevsky	NOUN
fsr-3203	25	29	,	,	PUNCT
fsr-3203	25	30	chen	chen	PROPN
fsr-3203	25	31	,	,	PUNCT
fsr-3203	25	32	and	and	CCONJ
fsr-3203	25	33	zhu	zhu	PROPN
fsr-3203	25	34	,	,	PUNCT
fsr-3203	25	35	2007	2007	NUM
fsr-3203	25	36	;	;	PUNCT
fsr-3203	25	37	mittra	mittra	PROPN
fsr-3203	25	38	,	,	PUNCT
fsr-3203	25	39	1995	1995	NUM
fsr-3203	25	40	)	)	PUNCT
fsr-3203	25	41	.	.	PUNCT
fsr-3203	26	1	this	this	DET
fsr-3203	26	2	article	article	NOUN
fsr-3203	26	3	includes	include	VERB
fsr-3203	26	4	the	the	DET
fsr-3203	26	5	face	face	NOUN
fsr-3203	26	6	amounts	amount	NOUN
fsr-3203	26	7	of	of	ADP
fsr-3203	26	8	both	both	DET
fsr-3203	26	9	term	term	NOUN
fsr-3203	26	10	and	and	CCONJ
fsr-3203	26	11	cash	cash	NOUN
fsr-3203	26	12	value	value	NOUN
fsr-3203	26	13	life	life	NOUN
fsr-3203	26	14	insurance	insurance	NOUN
fsr-3203	26	15	.	.	PUNCT
fsr-3203	27	1	in	in	ADP
fsr-3203	27	2	the	the	DET
fsr-3203	27	3	absence	absence	NOUN
fsr-3203	27	4	of	of	ADP
fsr-3203	27	5	sufficient	sufficient	ADJ
fsr-3203	27	6	insurance	insurance	NOUN
fsr-3203	27	7	to	to	PART
fsr-3203	27	8	cover	cover	VERB
fsr-3203	27	9	insurable	insurable	ADJ
fsr-3203	27	10	risks	risk	NOUN
fsr-3203	27	11	(	(	PUNCT
fsr-3203	27	12	e.g.	e.g.	ADV
fsr-3203	27	13	,	,	PUNCT
fsr-3203	27	14	untimely	untimely	ADJ
fsr-3203	27	15	death	death	NOUN
fsr-3203	27	16	)	)	PUNCT
fsr-3203	27	17	,	,	PUNCT
fsr-3203	27	18	households	household	NOUN
fsr-3203	27	19	will	will	AUX
fsr-3203	27	20	place	place	VERB
fsr-3203	27	21	too	too	ADV
fsr-3203	27	22	much	much	ADJ
fsr-3203	27	23	emphasis	emphasis	NOUN
fsr-3203	27	24	on	on	ADP
fsr-3203	27	25	these	these	DET
fsr-3203	27	26	risks	risk	NOUN
fsr-3203	27	27	while	while	SCONJ
fsr-3203	27	28	neglecting	neglect	VERB
fsr-3203	27	29	managing	manage	VERB
fsr-3203	27	30	uninsurable	uninsurable	ADJ
fsr-3203	27	31	risks	risk	NOUN
fsr-3203	27	32	(	(	PUNCT
fsr-3203	27	33	e.g.	e.g.	ADV
fsr-3203	27	34	,	,	PUNCT
fsr-3203	27	35	investing	invest	VERB
fsr-3203	27	36	in	in	ADP
fsr-3203	27	37	the	the	DET
fsr-3203	27	38	stock	stock	NOUN
fsr-3203	27	39	market	market	NOUN
fsr-3203	27	40	;	;	PUNCT
fsr-3203	27	41	mitchell	mitchell	PROPN
fsr-3203	27	42	,	,	PUNCT
fsr-3203	27	43	2011	2011	NUM
fsr-3203	27	44	)	)	PUNCT
fsr-3203	27	45	.	.	PUNCT
fsr-3203	28	1	this	this	DET
fsr-3203	28	2	article	article	NOUN
fsr-3203	28	3	seeks	seek	VERB
fsr-3203	28	4	to	to	PART
fsr-3203	28	5	assess	assess	VERB
fsr-3203	28	6	life	life	NOUN
fsr-3203	28	7	insurance	insurance	NOUN
fsr-3203	28	8	adequacy	adequacy	NOUN
fsr-3203	28	9	pre	pre	VERB
fsr-3203	28	10	and	and	CCONJ
fsr-3203	28	11	post	post	VERB
fsr-3203	28	12	the	the	DET
fsr-3203	28	13	2008	2008	NUM
fsr-3203	28	14	financial	financial	ADJ
fsr-3203	28	15	crisis	crisis	NOUN
fsr-3203	28	16	by	by	ADP
fsr-3203	28	17	investigating	investigate	VERB
fsr-3203	28	18	if	if	SCONJ
fsr-3203	28	19	there	there	PRON
fsr-3203	28	20	is	be	VERB
fsr-3203	28	21	a	a	DET
fsr-3203	28	22	difference	difference	NOUN
fsr-3203	28	23	in	in	ADP
fsr-3203	28	24	life	life	NOUN
fsr-3203	28	25	adequacy	adequacy	NOUN
fsr-3203	28	26	between	between	ADP
fsr-3203	28	27	boomers	boomer	NOUN
fsr-3203	28	28	and	and	CCONJ
fsr-3203	28	29	seniors	senior	NOUN
fsr-3203	28	30	(	(	PUNCT
fsr-3203	28	31	those	those	PRON
fsr-3203	28	32	born	bear	VERB
fsr-3203	28	33	before	before	ADP
fsr-3203	28	34	1946	1946	NUM
fsr-3203	28	35	)	)	PUNCT
fsr-3203	28	36	;	;	PUNCT
fsr-3203	28	37	current	current	ADJ
fsr-3203	28	38	life	life	NOUN
fsr-3203	28	39	insurance	insurance	NOUN
fsr-3203	28	40	holdings	holding	NOUN
fsr-3203	28	41	among	among	ADP
fsr-3203	28	42	the	the	DET
fsr-3203	28	43	boomers	boomer	NOUN
fsr-3203	28	44	in	in	ADP
fsr-3203	28	45	comparison	comparison	NOUN
fsr-3203	28	46	with	with	ADP
fsr-3203	28	47	other	other	ADJ
fsr-3203	28	48	age	age	NOUN
fsr-3203	28	49	cohorts	cohort	NOUN
fsr-3203	28	50	preand	preand	VERB
fsr-3203	28	51	post	post	ADJ
fsr-3203	28	52	-	-	ADJ
fsr-3203	28	53	financial	financial	ADJ
fsr-3203	28	54	crisis	crisis	NOUN
fsr-3203	28	55	;	;	PUNCT
fsr-3203	28	56	and	and	CCONJ
fsr-3203	28	57	whether	whether	SCONJ
fsr-3203	28	58	having	have	VERB
fsr-3203	28	59	a	a	DET
fsr-3203	28	60	financial	financial	ADJ
fsr-3203	28	61	planner	planner	NOUN
fsr-3203	28	62	increases	increase	VERB
fsr-3203	28	63	the	the	DET
fsr-3203	28	64	likelihood	likelihood	NOUN
fsr-3203	28	65	of	of	ADP
fsr-3203	28	66	boomers	boomer	NOUN
fsr-3203	28	67	having	have	VERB
fsr-3203	28	68	adequate	adequate	ADJ
fsr-3203	28	69	life	life	NOUN
fsr-3203	28	70	insurance	insurance	NOUN
fsr-3203	28	71	post	post	ADJ
fsr-3203	28	72	-	-	ADJ
fsr-3203	28	73	financial	financial	ADJ
fsr-3203	28	74	crisis	crisis	NOUN
fsr-3203	28	75	.	.	PUNCT
fsr-3203	29	1	2	2	X
fsr-3203	29	2	.	.	X
fsr-3203	29	3	background	background	NOUN
fsr-3203	29	4	historically	historically	ADV
fsr-3203	29	5	,	,	PUNCT
fsr-3203	29	6	baby	baby	NOUN
fsr-3203	29	7	boomer	boomer	NOUN
fsr-3203	29	8	wealth	wealth	PROPN
fsr-3203	29	9	has	have	AUX
fsr-3203	29	10	exceeded	exceed	VERB
fsr-3203	29	11	their	their	PRON
fsr-3203	29	12	predecessors	predecessor	NOUN
fsr-3203	29	13	by	by	ADP
fsr-3203	29	14	more	more	ADJ
fsr-3203	29	15	than	than	ADP
fsr-3203	29	16	100	100	NUM
fsr-3203	29	17	%	%	NOUN
fsr-3203	29	18	.	.	PUNCT
fsr-3203	30	1	they	they	PRON
fsr-3203	30	2	thrived	thrive	VERB
fsr-3203	30	3	during	during	ADP
fsr-3203	30	4	a	a	DET
fsr-3203	30	5	time	time	NOUN
fsr-3203	30	6	when	when	SCONJ
fsr-3203	30	7	saving	saving	NOUN
fsr-3203	30	8	was	be	AUX
fsr-3203	30	9	not	not	PART
fsr-3203	30	10	a	a	DET
fsr-3203	30	11	priority	priority	NOUN
fsr-3203	30	12	(	(	PUNCT
fsr-3203	30	13	beinhocker	beinhocker	PROPN
fsr-3203	30	14	et	et	PROPN
fsr-3203	30	15	al	al	PROPN
fsr-3203	30	16	.	.	PROPN
fsr-3203	30	17	,	,	PUNCT
fsr-3203	30	18	2009	2009	NUM
fsr-3203	30	19	)	)	PUNCT
fsr-3203	30	20	.	.	PUNCT
fsr-3203	31	1	a	a	DET
fsr-3203	31	2	burgeoning	burgeon	VERB
fsr-3203	31	3	stock	stock	NOUN
fsr-3203	31	4	market	market	NOUN
fsr-3203	31	5	alongside	alongside	ADP
fsr-3203	31	6	loose	loose	ADJ
fsr-3203	31	7	lending	lending	NOUN
fsr-3203	31	8	practices	practice	NOUN
fsr-3203	31	9	and	and	CCONJ
fsr-3203	31	10	low	low	ADJ
fsr-3203	31	11	borrowing	borrowing	NOUN
fsr-3203	31	12	costs	cost	NOUN
fsr-3203	31	13	weakened	weaken	VERB
fsr-3203	31	14	the	the	DET
fsr-3203	31	15	savings	saving	NOUN
fsr-3203	31	16	motive	motive	NOUN
fsr-3203	31	17	.	.	PUNCT
fsr-3203	32	1	moreover	moreover	ADV
fsr-3203	32	2	,	,	PUNCT
fsr-3203	32	3	boomers	boomer	NOUN
fsr-3203	32	4	as	as	ADP
fsr-3203	32	5	a	a	DET
fsr-3203	32	6	whole	whole	NOUN
fsr-3203	32	7	did	do	AUX
fsr-3203	32	8	not	not	PART
fsr-3203	32	9	share	share	VERB
fsr-3203	32	10	the	the	DET
fsr-3203	32	11	same	same	ADJ
fsr-3203	32	12	aversion	aversion	NOUN
fsr-3203	32	13	to	to	ADP
fsr-3203	32	14	credit	credit	NOUN
fsr-3203	32	15	that	that	PRON
fsr-3203	32	16	had	have	AUX
fsr-3203	32	17	preoccupied	preoccupy	VERB
fsr-3203	32	18	the	the	DET
fsr-3203	32	19	previous	previous	ADJ
fsr-3203	32	20	generation	generation	NOUN
fsr-3203	32	21	,	,	PUNCT
fsr-3203	32	22	who	who	PRON
fsr-3203	32	23	faced	face	VERB
fsr-3203	32	24	severe	severe	ADJ
fsr-3203	32	25	economic	economic	ADJ
fsr-3203	32	26	distress	distress	NOUN
fsr-3203	32	27	periods	period	NOUN
fsr-3203	32	28	,	,	PUNCT
fsr-3203	32	29	such	such	ADJ
fsr-3203	32	30	as	as	ADP
fsr-3203	32	31	the	the	DET
fsr-3203	32	32	depression	depression	NOUN
fsr-3203	32	33	and	and	CCONJ
fsr-3203	32	34	world	world	PROPN
fsr-3203	32	35	war	war	PROPN
fsr-3203	32	36	ii	ii	PROPN
fsr-3203	32	37	.	.	PUNCT
fsr-3203	33	1	boomers	boomer	NOUN
fsr-3203	33	2	may	may	AUX
fsr-3203	33	3	be	be	AUX
fsr-3203	33	4	wealthier	wealthy	ADJ
fsr-3203	33	5	than	than	ADP
fsr-3203	33	6	their	their	PRON
fsr-3203	33	7	predecessors	predecessor	NOUN
fsr-3203	33	8	,	,	PUNCT
fsr-3203	33	9	but	but	CCONJ
fsr-3203	33	10	the	the	DET
fsr-3203	33	11	same	same	ADJ
fsr-3203	33	12	characteristics	characteristic	NOUN
fsr-3203	33	13	that	that	PRON
fsr-3203	33	14	define	define	VERB
fsr-3203	33	15	their	their	PRON
fsr-3203	33	16	generation	generation	NOUN
fsr-3203	33	17	are	be	AUX
fsr-3203	33	18	creating	create	VERB
fsr-3203	33	19	unique	unique	ADJ
fsr-3203	33	20	challenges	challenge	NOUN
fsr-3203	33	21	for	for	ADP
fsr-3203	33	22	their	their	PRON
fsr-3203	33	23	future	future	NOUN
fsr-3203	33	24	that	that	PRON
fsr-3203	33	25	will	will	AUX
fsr-3203	33	26	have	have	VERB
fsr-3203	33	27	significant	significant	ADJ
fsr-3203	33	28	economic	economic	ADJ
fsr-3203	33	29	implications	implication	NOUN
fsr-3203	33	30	(	(	PUNCT
fsr-3203	33	31	gokhale	gokhale	NOUN
fsr-3203	33	32	and	and	CCONJ
fsr-3203	33	33	kotlikoff	kotlikoff	NOUN
fsr-3203	33	34	,	,	PUNCT
fsr-3203	33	35	2000	2000	NUM
fsr-3203	33	36	)	)	PUNCT
fsr-3203	33	37	.	.	PUNCT
fsr-3203	34	1	they	they	PRON
fsr-3203	34	2	are	be	AUX
fsr-3203	34	3	living	live	VERB
fsr-3203	34	4	longer	long	ADV
fsr-3203	34	5	than	than	ADP
fsr-3203	34	6	earlier	early	ADJ
fsr-3203	34	7	generations	generation	NOUN
fsr-3203	34	8	and	and	CCONJ
fsr-3203	34	9	choosing	choose	VERB
fsr-3203	34	10	to	to	PART
fsr-3203	34	11	exist	exist	VERB
fsr-3203	34	12	independently	independently	ADV
fsr-3203	34	13	from	from	ADP
fsr-3203	34	14	their	their	PRON
fsr-3203	34	15	children	child	NOUN
fsr-3203	34	16	.	.	PUNCT
fsr-3203	35	1	they	they	PRON
fsr-3203	35	2	are	be	AUX
fsr-3203	35	3	spending	spend	VERB
fsr-3203	35	4	their	their	PRON
fsr-3203	35	5	wealth	wealth	NOUN
fsr-3203	35	6	at	at	ADP
fsr-3203	35	7	a	a	DET
fsr-3203	35	8	faster	fast	ADJ
fsr-3203	35	9	rate	rate	NOUN
fsr-3203	35	10	than	than	ADP
fsr-3203	35	11	previous	previous	ADJ
fsr-3203	35	12	cohorts	cohort	NOUN
fsr-3203	35	13	.	.	PUNCT
fsr-3203	36	1	many	many	ADJ
fsr-3203	36	2	choose	choose	VERB
fsr-3203	36	3	or	or	CCONJ
fsr-3203	36	4	need	need	VERB
fsr-3203	36	5	to	to	PART
fsr-3203	36	6	work	work	VERB
fsr-3203	36	7	longer	long	ADV
fsr-3203	36	8	to	to	PART
fsr-3203	36	9	save	save	VERB
fsr-3203	36	10	more	more	ADJ
fsr-3203	36	11	for	for	ADP
fsr-3203	36	12	retirement	retirement	NOUN
fsr-3203	36	13	.	.	PUNCT
fsr-3203	37	1	as	as	ADP
fsr-3203	37	2	a	a	DET
fsr-3203	37	3	result	result	NOUN
fsr-3203	37	4	,	,	PUNCT
fsr-3203	37	5	a	a	DET
fsr-3203	37	6	larger	large	ADJ
fsr-3203	37	7	portion	portion	NOUN
fsr-3203	37	8	of	of	ADP
fsr-3203	37	9	wealth	wealth	NOUN
fsr-3203	37	10	is	be	AUX
fsr-3203	37	11	annuitized	annuitize	VERB
fsr-3203	37	12	because	because	SCONJ
fsr-3203	37	13	of	of	ADP
fsr-3203	37	14	the	the	DET
fsr-3203	37	15	expansion	expansion	NOUN
fsr-3203	37	16	of	of	ADP
fsr-3203	37	17	programs	program	NOUN
fsr-3203	37	18	such	such	ADJ
fsr-3203	37	19	as	as	ADP
fsr-3203	37	20	medicare	medicare	NOUN
fsr-3203	37	21	and	and	CCONJ
fsr-3203	37	22	social	social	ADJ
fsr-3203	37	23	security	security	NOUN
fsr-3203	37	24	;	;	PUNCT
fsr-3203	37	25	there	there	PRON
fsr-3203	37	26	are	be	VERB
fsr-3203	37	27	increasing	increase	VERB
fsr-3203	37	28	healthcare	healthcare	NOUN
fsr-3203	37	29	costs	cost	NOUN
fsr-3203	37	30	,	,	PUNCT
fsr-3203	37	31	and	and	CCONJ
fsr-3203	37	32	more	more	ADJ
fsr-3203	37	33	wealth	wealth	NOUN
fsr-3203	37	34	is	be	AUX
fsr-3203	37	35	tied	tie	VERB
fsr-3203	37	36	up	up	ADP
fsr-3203	37	37	in	in	ADP
fsr-3203	37	38	annuities	annuity	NOUN
fsr-3203	37	39	,	,	PUNCT
fsr-3203	37	40	which	which	PRON
fsr-3203	37	41	results	result	VERB
fsr-3203	37	42	in	in	ADP
fsr-3203	37	43	less	less	ADJ
fsr-3203	37	44	bequests	bequest	NOUN
fsr-3203	37	45	.	.	PUNCT
fsr-3203	38	1	boomers	boomer	NOUN
fsr-3203	38	2	also	also	ADV
fsr-3203	38	3	tend	tend	VERB
fsr-3203	38	4	to	to	PART
fsr-3203	38	5	be	be	AUX
fsr-3203	38	6	less	less	ADJ
fsr-3203	38	7	risk	risk	NOUN
fsr-3203	38	8	adverse	adverse	ADJ
fsr-3203	38	9	than	than	ADP
fsr-3203	38	10	younger	young	ADJ
fsr-3203	38	11	households	household	NOUN
fsr-3203	38	12	.	.	PUNCT
fsr-3203	39	1	this	this	PRON
fsr-3203	39	2	may	may	AUX
fsr-3203	39	3	be	be	AUX
fsr-3203	39	4	because	because	SCONJ
fsr-3203	39	5	of	of	ADP
fsr-3203	39	6	a	a	DET
fsr-3203	39	7	decreased	decrease	VERB
fsr-3203	39	8	expected	expect	VERB
fsr-3203	39	9	human	human	ADJ
fsr-3203	39	10	capital	capital	NOUN
fsr-3203	39	11	value	value	NOUN
fsr-3203	39	12	and	and	CCONJ
fsr-3203	39	13	a	a	DET
fsr-3203	39	14	greater	great	ADJ
fsr-3203	39	15	level	level	NOUN
fsr-3203	39	16	of	of	ADP
fsr-3203	39	17	accumulated	accumulate	VERB
fsr-3203	39	18	assets	asset	NOUN
fsr-3203	39	19	.	.	PUNCT
fsr-3203	40	1	for	for	ADP
fsr-3203	40	2	288	288	NUM
fsr-3203	40	3	j.k	j.k	PROPN
fsr-3203	40	4	.	.	PROPN
fsr-3203	40	5	scott	scott	PROPN
fsr-3203	40	6	,	,	PUNCT
fsr-3203	40	7	j.	j.	PROPN
fsr-3203	40	8	gilliam	gilliam	PROPN
fsr-3203	40	9	/	/	SYM
fsr-3203	40	10	financial	financial	PROPN
fsr-3203	40	11	services	service	NOUN
fsr-3203	40	12	review	review	VERB
fsr-3203	40	13	23	23	NUM
fsr-3203	40	14	(	(	PUNCT
fsr-3203	40	15	2014	2014	NUM
fsr-3203	40	16	)	)	PUNCT
fsr-3203	41	1	287–304	287–304	NUM
fsr-3203	41	2	older	old	ADJ
fsr-3203	41	3	boomers	boomer	NOUN
fsr-3203	41	4	,	,	PUNCT
fsr-3203	41	5	there	there	PRON
fsr-3203	41	6	may	may	AUX
fsr-3203	41	7	be	be	AUX
fsr-3203	41	8	no	no	PRON
fsr-3203	41	9	more	more	ADJ
fsr-3203	41	10	dependents	dependent	NOUN
fsr-3203	41	11	to	to	PART
fsr-3203	41	12	provide	provide	VERB
fsr-3203	41	13	for	for	ADP
fsr-3203	41	14	and	and	CCONJ
fsr-3203	41	15	there	there	PRON
fsr-3203	41	16	are	be	VERB
fsr-3203	41	17	fewer	few	ADJ
fsr-3203	41	18	years	year	NOUN
fsr-3203	41	19	to	to	PART
fsr-3203	41	20	protect	protect	VERB
fsr-3203	41	21	for	for	ADP
fsr-3203	41	22	the	the	DET
fsr-3203	41	23	surviving	surviving	NOUN
fsr-3203	41	24	spouse	spouse	NOUN
fsr-3203	41	25	(	(	PUNCT
fsr-3203	41	26	lin	lin	PROPN
fsr-3203	41	27	and	and	CCONJ
fsr-3203	41	28	grace	grace	NOUN
fsr-3203	41	29	,	,	PUNCT
fsr-3203	41	30	2007	2007	NUM
fsr-3203	41	31	)	)	PUNCT
fsr-3203	41	32	.	.	PUNCT
fsr-3203	42	1	a	a	DET
fsr-3203	42	2	perception	perception	NOUN
fsr-3203	42	3	of	of	ADP
fsr-3203	42	4	decreased	decrease	VERB
fsr-3203	42	5	financial	financial	ADJ
fsr-3203	42	6	vulnerability	vulnerability	NOUN
fsr-3203	42	7	leads	lead	VERB
fsr-3203	42	8	some	some	DET
fsr-3203	42	9	boomers	boomer	NOUN
fsr-3203	42	10	to	to	PART
fsr-3203	42	11	have	have	VERB
fsr-3203	42	12	inadequate	inadequate	ADJ
fsr-3203	42	13	life	life	NOUN
fsr-3203	42	14	insurance	insurance	NOUN
fsr-3203	42	15	holdings	holding	NOUN
fsr-3203	42	16	.	.	PUNCT
fsr-3203	43	1	the	the	DET
fsr-3203	43	2	matter	matter	NOUN
fsr-3203	43	3	of	of	ADP
fsr-3203	43	4	inadequate	inadequate	ADJ
fsr-3203	43	5	life	life	NOUN
fsr-3203	43	6	insurance	insurance	NOUN
fsr-3203	43	7	among	among	ADP
fsr-3203	43	8	the	the	DET
fsr-3203	43	9	baby	baby	NOUN
fsr-3203	43	10	boomers	boomer	NOUN
fsr-3203	43	11	has	have	AUX
fsr-3203	43	12	been	be	AUX
fsr-3203	43	13	under	under	ADP
fsr-3203	43	14	examined	examine	VERB
fsr-3203	43	15	.	.	PUNCT
fsr-3203	44	1	few	few	ADJ
fsr-3203	44	2	studies	study	NOUN
fsr-3203	44	3	compare	compare	VERB
fsr-3203	44	4	how	how	SCONJ
fsr-3203	44	5	baby	baby	NOUN
fsr-3203	44	6	boomers	boomer	NOUN
fsr-3203	44	7	utilized	utilize	VERB
fsr-3203	44	8	life	life	NOUN
fsr-3203	44	9	insurance	insurance	NOUN
fsr-3203	44	10	before	before	ADP
fsr-3203	44	11	and	and	CCONJ
fsr-3203	44	12	after	after	ADP
fsr-3203	44	13	the	the	DET
fsr-3203	44	14	financial	financial	ADJ
fsr-3203	44	15	crisis	crisis	NOUN
fsr-3203	44	16	of	of	ADP
fsr-3203	44	17	2008	2008	NUM
fsr-3203	44	18	;	;	PUNCT
fsr-3203	44	19	however	however	ADV
fsr-3203	44	20	,	,	PUNCT
fsr-3203	44	21	there	there	PRON
fsr-3203	44	22	is	be	VERB
fsr-3203	44	23	widespread	widespread	ADJ
fsr-3203	44	24	research	research	NOUN
fsr-3203	44	25	that	that	PRON
fsr-3203	44	26	examines	examine	VERB
fsr-3203	44	27	how	how	SCONJ
fsr-3203	44	28	the	the	DET
fsr-3203	44	29	crisis	crisis	NOUN
fsr-3203	44	30	impacted	impact	VERB
fsr-3203	44	31	the	the	DET
fsr-3203	44	32	way	way	NOUN
fsr-3203	44	33	baby	baby	NOUN
fsr-3203	44	34	boomers	boomer	NOUN
fsr-3203	44	35	prepared	prepare	VERB
fsr-3203	44	36	for	for	ADP
fsr-3203	44	37	retirement	retirement	NOUN
fsr-3203	44	38	(	(	PUNCT
fsr-3203	44	39	rosnick	rosnick	NOUN
fsr-3203	44	40	and	and	CCONJ
fsr-3203	44	41	baker	baker	PROPN
fsr-3203	44	42	,	,	PUNCT
fsr-3203	44	43	2010	2010	NUM
fsr-3203	44	44	;	;	PUNCT
fsr-3203	44	45	tres	tre	NOUN
fsr-3203	44	46	,	,	PUNCT
fsr-3203	44	47	2010	2010	NUM
fsr-3203	44	48	)	)	PUNCT
fsr-3203	44	49	.	.	PUNCT
fsr-3203	45	1	the	the	DET
fsr-3203	45	2	analysis	analysis	NOUN
fsr-3203	45	3	of	of	ADP
fsr-3203	45	4	retirement	retirement	NOUN
fsr-3203	45	5	preparation	preparation	NOUN
fsr-3203	45	6	before	before	ADV
fsr-3203	45	7	and	and	CCONJ
fsr-3203	45	8	after	after	SCONJ
fsr-3203	45	9	the	the	DET
fsr-3203	45	10	crisis	crisis	NOUN
fsr-3203	45	11	provides	provide	VERB
fsr-3203	45	12	a	a	DET
fsr-3203	45	13	lens	lens	NOUN
fsr-3203	45	14	through	through	ADP
fsr-3203	45	15	which	which	PRON
fsr-3203	45	16	we	we	PRON
fsr-3203	45	17	can	can	AUX
fsr-3203	45	18	more	more	ADV
fsr-3203	45	19	broadly	broadly	ADV
fsr-3203	45	20	understand	understand	VERB
fsr-3203	45	21	how	how	SCONJ
fsr-3203	45	22	baby	baby	NOUN
fsr-3203	45	23	boomer	boomer	NOUN
fsr-3203	45	24	wealth	wealth	NOUN
fsr-3203	45	25	was	be	AUX
fsr-3203	45	26	affected	affect	VERB
fsr-3203	45	27	by	by	ADP
fsr-3203	45	28	the	the	DET
fsr-3203	45	29	crisis	crisis	NOUN
fsr-3203	45	30	,	,	PUNCT
fsr-3203	45	31	allowing	allow	VERB
fsr-3203	45	32	us	we	PRON
fsr-3203	45	33	to	to	PART
fsr-3203	45	34	further	far	ADV
fsr-3203	45	35	examine	examine	VERB
fsr-3203	45	36	how	how	SCONJ
fsr-3203	45	37	life	life	NOUN
fsr-3203	45	38	insurance	insurance	NOUN
fsr-3203	45	39	utilization	utilization	NOUN
fsr-3203	45	40	was	be	AUX
fsr-3203	45	41	shaped	shape	VERB
fsr-3203	45	42	by	by	ADP
fsr-3203	45	43	the	the	DET
fsr-3203	45	44	crisis	crisis	NOUN
fsr-3203	45	45	.	.	PUNCT
fsr-3203	46	1	for	for	ADP
fsr-3203	46	2	example	example	NOUN
fsr-3203	46	3	,	,	PUNCT
fsr-3203	46	4	munnell	munnell	PROPN
fsr-3203	46	5	,	,	PUNCT
fsr-3203	46	6	golub	golub	NOUN
fsr-3203	46	7	-	-	PUNCT
fsr-3203	46	8	sass	sas	VERB
fsr-3203	46	9	,	,	PUNCT
fsr-3203	46	10	soto	soto	NOUN
fsr-3203	46	11	,	,	PUNCT
fsr-3203	46	12	and	and	CCONJ
fsr-3203	46	13	webb	webb	PROPN
fsr-3203	46	14	(	(	PUNCT
fsr-3203	46	15	2008	2008	NUM
fsr-3203	46	16	)	)	PUNCT
fsr-3203	46	17	find	find	VERB
fsr-3203	46	18	that	that	SCONJ
fsr-3203	46	19	in	in	ADP
fsr-3203	46	20	the	the	DET
fsr-3203	46	21	context	context	NOUN
fsr-3203	46	22	of	of	ADP
fsr-3203	46	23	the	the	DET
fsr-3203	46	24	housing	housing	NOUN
fsr-3203	46	25	crash	crash	NOUN
fsr-3203	46	26	wealth	wealth	NOUN
fsr-3203	46	27	effect	effect	NOUN
fsr-3203	46	28	,	,	PUNCT
fsr-3203	46	29	boomers	boomer	NOUN
fsr-3203	46	30	may	may	AUX
fsr-3203	46	31	not	not	PART
fsr-3203	46	32	have	have	VERB
fsr-3203	46	33	sufficient	sufficient	ADJ
fsr-3203	46	34	savings	saving	NOUN
fsr-3203	46	35	to	to	PART
fsr-3203	46	36	sustain	sustain	VERB
fsr-3203	46	37	a	a	DET
fsr-3203	46	38	desired	desire	VERB
fsr-3203	46	39	standard	standard	NOUN
fsr-3203	46	40	living	live	VERB
fsr-3203	46	41	in	in	ADP
fsr-3203	46	42	retirement	retirement	NOUN
fsr-3203	46	43	.	.	PUNCT
fsr-3203	47	1	it	it	PRON
fsr-3203	47	2	may	may	AUX
fsr-3203	47	3	not	not	PART
fsr-3203	47	4	be	be	AUX
fsr-3203	47	5	surprising	surprising	ADJ
fsr-3203	47	6	to	to	PART
fsr-3203	47	7	find	find	VERB
fsr-3203	47	8	that	that	SCONJ
fsr-3203	47	9	boomers	boomer	NOUN
fsr-3203	47	10	may	may	AUX
fsr-3203	47	11	not	not	PART
fsr-3203	47	12	have	have	VERB
fsr-3203	47	13	adequate	adequate	ADJ
fsr-3203	47	14	life	life	NOUN
fsr-3203	47	15	insurance	insurance	NOUN
fsr-3203	47	16	policies	policy	NOUN
fsr-3203	47	17	either	either	ADV
fsr-3203	47	18	.	.	PUNCT
fsr-3203	48	1	2.1	2.1	NUM
fsr-3203	48	2	.	.	PUNCT
fsr-3203	49	1	life	life	NOUN
fsr-3203	49	2	insurance	insurance	NOUN
fsr-3203	49	3	inadequacy	inadequacy	NOUN
fsr-3203	49	4	there	there	PRON
fsr-3203	49	5	are	be	VERB
fsr-3203	49	6	various	various	ADJ
fsr-3203	49	7	definitions	definition	NOUN
fsr-3203	49	8	of	of	ADP
fsr-3203	49	9	“	"	PUNCT
fsr-3203	49	10	inadequacy	inadequacy	NOUN
fsr-3203	49	11	”	"	PUNCT
fsr-3203	49	12	when	when	SCONJ
fsr-3203	49	13	associated	associate	VERB
fsr-3203	49	14	with	with	ADP
fsr-3203	49	15	life	life	NOUN
fsr-3203	49	16	insurance	insurance	NOUN
fsr-3203	49	17	usage	usage	NOUN
fsr-3203	49	18	.	.	PUNCT
fsr-3203	50	1	many	many	ADJ
fsr-3203	50	2	financial	financial	ADJ
fsr-3203	50	3	advisors	advisor	NOUN
fsr-3203	50	4	use	use	VERB
fsr-3203	50	5	an	an	DET
fsr-3203	50	6	individualized	individualized	ADJ
fsr-3203	50	7	capital	capital	NOUN
fsr-3203	50	8	needs	need	VERB
fsr-3203	50	9	analysis	analysis	NOUN
fsr-3203	50	10	to	to	PART
fsr-3203	50	11	calculate	calculate	VERB
fsr-3203	50	12	the	the	DET
fsr-3203	50	13	amount	amount	NOUN
fsr-3203	50	14	of	of	ADP
fsr-3203	50	15	life	life	NOUN
fsr-3203	50	16	insurance	insurance	NOUN
fsr-3203	50	17	an	an	DET
fsr-3203	50	18	individual	individual	ADJ
fsr-3203	50	19	needs	need	NOUN
fsr-3203	50	20	.	.	PUNCT
fsr-3203	51	1	however	however	ADV
fsr-3203	51	2	,	,	PUNCT
fsr-3203	51	3	according	accord	VERB
fsr-3203	51	4	to	to	ADP
fsr-3203	51	5	the	the	DET
fsr-3203	51	6	2010	2010	NUM
fsr-3203	51	7	life	life	NOUN
fsr-3203	51	8	insurance	insurance	NOUN
fsr-3203	51	9	study	study	NOUN
fsr-3203	51	10	(	(	PUNCT
fsr-3203	51	11	limra	limra	NOUN
fsr-3203	51	12	)	)	PUNCT
fsr-3203	51	13	,	,	PUNCT
fsr-3203	51	14	the	the	DET
fsr-3203	51	15	average	average	ADJ
fsr-3203	51	16	american	american	NOUN
fsr-3203	51	17	has	have	VERB
fsr-3203	51	18	enough	enough	ADJ
fsr-3203	51	19	life	life	NOUN
fsr-3203	51	20	insurance	insurance	NOUN
fsr-3203	51	21	to	to	PART
fsr-3203	51	22	replace	replace	VERB
fsr-3203	51	23	less	less	ADJ
fsr-3203	51	24	than	than	ADP
fsr-3203	51	25	four	four	NUM
fsr-3203	51	26	years	year	NOUN
fsr-3203	51	27	of	of	ADP
fsr-3203	51	28	income	income	NOUN
fsr-3203	51	29	,	,	PUNCT
fsr-3203	51	30	with	with	ADP
fsr-3203	51	31	an	an	DET
fsr-3203	51	32	average	average	ADJ
fsr-3203	51	33	amount	amount	NOUN
fsr-3203	51	34	of	of	ADP
fsr-3203	51	35	$	$	SYM
fsr-3203	51	36	155,000	155,000	NUM
fsr-3203	51	37	(	(	PUNCT
fsr-3203	51	38	lifejacket	lifejacket	NOUN
fsr-3203	51	39	,	,	PUNCT
fsr-3203	51	40	2011	2011	NUM
fsr-3203	51	41	)	)	PUNCT
fsr-3203	51	42	.	.	PUNCT
fsr-3203	52	1	the	the	DET
fsr-3203	52	2	2011	2011	NUM
fsr-3203	52	3	lifejacket	lifejacket	NOUN
fsr-3203	52	4	study	study	NOUN
fsr-3203	52	5	reveals	reveal	VERB
fsr-3203	52	6	that	that	SCONJ
fsr-3203	52	7	one	one	NUM
fsr-3203	52	8	-	-	PUNCT
fsr-3203	52	9	third	third	NOUN
fsr-3203	52	10	of	of	ADP
fsr-3203	52	11	life	life	NOUN
fsr-3203	52	12	insurance	insurance	NOUN
fsr-3203	52	13	policyholders	policyholder	NOUN
fsr-3203	52	14	bought	buy	VERB
fsr-3203	52	15	their	their	PRON
fsr-3203	52	16	policy	policy	NOUN
fsr-3203	52	17	a	a	DET
fsr-3203	52	18	decade	decade	NOUN
fsr-3203	52	19	ago	ago	ADV
fsr-3203	52	20	,	,	PUNCT
fsr-3203	52	21	suggesting	suggest	VERB
fsr-3203	52	22	coverage	coverage	NOUN
fsr-3203	52	23	amounts	amount	NOUN
fsr-3203	52	24	may	may	AUX
fsr-3203	52	25	not	not	PART
fsr-3203	52	26	have	have	AUX
fsr-3203	52	27	changed	change	VERB
fsr-3203	52	28	with	with	ADP
fsr-3203	52	29	life	life	NOUN
fsr-3203	52	30	circumstances	circumstance	NOUN
fsr-3203	52	31	(	(	PUNCT
fsr-3203	52	32	lifejacket	lifejacket	NOUN
fsr-3203	52	33	,	,	PUNCT
fsr-3203	52	34	2011	2011	NUM
fsr-3203	52	35	)	)	PUNCT
fsr-3203	52	36	.	.	PUNCT
fsr-3203	53	1	inadequate	inadequate	ADJ
fsr-3203	53	2	life	life	NOUN
fsr-3203	53	3	insurance	insurance	NOUN
fsr-3203	53	4	can	can	AUX
fsr-3203	53	5	have	have	VERB
fsr-3203	53	6	a	a	DET
fsr-3203	53	7	large	large	ADJ
fsr-3203	53	8	impact	impact	NOUN
fsr-3203	53	9	on	on	ADP
fsr-3203	53	10	retirement	retirement	NOUN
fsr-3203	53	11	preparedness	preparedness	NOUN
fsr-3203	53	12	in	in	ADP
fsr-3203	53	13	addition	addition	NOUN
fsr-3203	53	14	to	to	ADP
fsr-3203	53	15	significantly	significantly	ADV
fsr-3203	53	16	reducing	reduce	VERB
fsr-3203	53	17	living	living	NOUN
fsr-3203	53	18	standards	standard	NOUN
fsr-3203	53	19	for	for	ADP
fsr-3203	53	20	widows	widow	NOUN
fsr-3203	53	21	(	(	PUNCT
fsr-3203	53	22	auerbach	auerbach	NOUN
fsr-3203	53	23	and	and	CCONJ
fsr-3203	53	24	kotlikoff	kotlikoff	NOUN
fsr-3203	53	25	,	,	PUNCT
fsr-3203	53	26	1991	1991	NUM
fsr-3203	53	27	;	;	PUNCT
fsr-3203	53	28	devaney	devaney	PROPN
fsr-3203	53	29	,	,	PUNCT
fsr-3203	53	30	1995	1995	NUM
fsr-3203	53	31	)	)	PUNCT
fsr-3203	53	32	.	.	PUNCT
fsr-3203	54	1	past	past	ADJ
fsr-3203	54	2	studies	study	NOUN
fsr-3203	54	3	demonstrate	demonstrate	VERB
fsr-3203	54	4	the	the	DET
fsr-3203	54	5	severe	severe	ADJ
fsr-3203	54	6	economic	economic	ADJ
fsr-3203	54	7	impact	impact	NOUN
fsr-3203	54	8	of	of	ADP
fsr-3203	54	9	inadequate	inadequate	ADJ
fsr-3203	54	10	life	life	NOUN
fsr-3203	54	11	insurance	insurance	NOUN
fsr-3203	54	12	among	among	ADP
fsr-3203	54	13	older	old	ADJ
fsr-3203	54	14	widows	widow	NOUN
fsr-3203	54	15	,	,	PUNCT
fsr-3203	54	16	the	the	DET
fsr-3203	54	17	consequences	consequence	NOUN
fsr-3203	54	18	of	of	ADP
fsr-3203	54	19	which	which	PRON
fsr-3203	54	20	include	include	VERB
fsr-3203	54	21	falling	fall	VERB
fsr-3203	54	22	into	into	ADP
fsr-3203	54	23	poverty	poverty	NOUN
fsr-3203	54	24	(	(	PUNCT
fsr-3203	54	25	bernheim	bernheim	PROPN
fsr-3203	54	26	,	,	PUNCT
fsr-3203	54	27	forni	forni	PROPN
fsr-3203	54	28	,	,	PUNCT
fsr-3203	54	29	gokhale	gokhale	NOUN
fsr-3203	54	30	,	,	PUNCT
fsr-3203	54	31	and	and	CCONJ
fsr-3203	54	32	kotlikoff	kotlikoff	NOUN
fsr-3203	54	33	,	,	PUNCT
fsr-3203	54	34	1999	1999	NUM
fsr-3203	54	35	)	)	PUNCT
fsr-3203	54	36	.	.	PUNCT
fsr-3203	55	1	one	one	NUM
fsr-3203	55	2	of	of	ADP
fsr-3203	55	3	the	the	DET
fsr-3203	55	4	primary	primary	ADJ
fsr-3203	55	5	reasons	reason	NOUN
fsr-3203	55	6	households	household	NOUN
fsr-3203	55	7	possess	possess	VERB
fsr-3203	55	8	insufficient	insufficient	ADJ
fsr-3203	55	9	amounts	amount	NOUN
fsr-3203	55	10	of	of	ADP
fsr-3203	55	11	insurance	insurance	NOUN
fsr-3203	55	12	coverage	coverage	NOUN
fsr-3203	55	13	is	be	AUX
fsr-3203	55	14	there	there	PRON
fsr-3203	55	15	is	be	VERB
fsr-3203	55	16	little	little	ADJ
fsr-3203	55	17	income	income	NOUN
fsr-3203	55	18	to	to	PART
fsr-3203	55	19	extend	extend	VERB
fsr-3203	55	20	beyond	beyond	ADP
fsr-3203	55	21	household	household	NOUN
fsr-3203	55	22	necessities	necessity	NOUN
fsr-3203	55	23	.	.	PUNCT
fsr-3203	56	1	the	the	DET
fsr-3203	56	2	2011	2011	NUM
fsr-3203	56	3	insurance	insurance	NOUN
fsr-3203	56	4	barometer	barometer	NOUN
fsr-3203	56	5	study	study	NOUN
fsr-3203	56	6	reveals	reveal	VERB
fsr-3203	56	7	that	that	SCONJ
fsr-3203	56	8	22	22	NUM
fsr-3203	56	9	%	%	NOUN
fsr-3203	56	10	of	of	ADP
fsr-3203	56	11	respondents	respondent	NOUN
fsr-3203	56	12	cite	cite	VERB
fsr-3203	56	13	inadequate	inadequate	ADJ
fsr-3203	56	14	life	life	NOUN
fsr-3203	56	15	insurance	insurance	NOUN
fsr-3203	56	16	coverage	coverage	NOUN
fsr-3203	56	17	.	.	PUNCT
fsr-3203	57	1	approximately	approximately	ADV
fsr-3203	57	2	28	28	NUM
fsr-3203	57	3	%	%	NOUN
fsr-3203	57	4	of	of	ADP
fsr-3203	57	5	respondents	respondent	NOUN
fsr-3203	57	6	who	who	PRON
fsr-3203	57	7	are	be	AUX
fsr-3203	57	8	married	married	ADJ
fsr-3203	57	9	would	would	AUX
fsr-3203	57	10	like	like	VERB
fsr-3203	57	11	their	their	PRON
fsr-3203	57	12	spouse	spouse	NOUN
fsr-3203	57	13	or	or	CCONJ
fsr-3203	57	14	partner	partner	NOUN
fsr-3203	57	15	to	to	PART
fsr-3203	57	16	have	have	VERB
fsr-3203	57	17	life	life	NOUN
fsr-3203	57	18	insurance	insurance	NOUN
fsr-3203	57	19	or	or	CCONJ
fsr-3203	57	20	to	to	PART
fsr-3203	57	21	add	add	VERB
fsr-3203	57	22	more	more	ADJ
fsr-3203	57	23	to	to	ADP
fsr-3203	57	24	their	their	PRON
fsr-3203	57	25	existing	exist	VERB
fsr-3203	57	26	coverage	coverage	NOUN
fsr-3203	57	27	.	.	PUNCT
fsr-3203	58	1	the	the	DET
fsr-3203	58	2	study	study	NOUN
fsr-3203	58	3	also	also	ADV
fsr-3203	58	4	cites	cite	VERB
fsr-3203	58	5	that	that	SCONJ
fsr-3203	58	6	respondents	respondent	NOUN
fsr-3203	58	7	with	with	ADP
fsr-3203	58	8	life	life	NOUN
fsr-3203	58	9	insurance	insurance	NOUN
fsr-3203	58	10	still	still	ADV
fsr-3203	58	11	express	express	VERB
fsr-3203	58	12	concerns	concern	NOUN
fsr-3203	58	13	about	about	ADP
fsr-3203	58	14	coverage	coverage	NOUN
fsr-3203	58	15	contrasted	contrast	VERB
fsr-3203	58	16	with	with	ADP
fsr-3203	58	17	those	those	PRON
fsr-3203	58	18	who	who	PRON
fsr-3203	58	19	own	own	VERB
fsr-3203	58	20	long	long	ADJ
fsr-3203	58	21	-	-	PUNCT
fsr-3203	58	22	term	term	NOUN
fsr-3203	58	23	care	care	NOUN
fsr-3203	58	24	or	or	CCONJ
fsr-3203	58	25	medical	medical	ADJ
fsr-3203	58	26	insurance	insurance	NOUN
fsr-3203	58	27	—	—	PUNCT
fsr-3203	58	28	perhaps	perhaps	ADV
fsr-3203	58	29	because	because	SCONJ
fsr-3203	58	30	of	of	ADP
fsr-3203	58	31	insufficient	insufficient	ADJ
fsr-3203	58	32	coverage	coverage	NOUN
fsr-3203	58	33	and	and	CCONJ
fsr-3203	58	34	high	high	ADJ
fsr-3203	58	35	financial	financial	ADJ
fsr-3203	58	36	risk	risk	NOUN
fsr-3203	58	37	in	in	ADP
fsr-3203	58	38	the	the	DET
fsr-3203	58	39	event	event	NOUN
fsr-3203	58	40	of	of	ADP
fsr-3203	58	41	a	a	DET
fsr-3203	58	42	loss	loss	NOUN
fsr-3203	58	43	.	.	PUNCT
fsr-3203	59	1	almost	almost	ADV
fsr-3203	59	2	half	half	DET
fsr-3203	59	3	the	the	DET
fsr-3203	59	4	respondents	respondent	NOUN
fsr-3203	59	5	who	who	PRON
fsr-3203	59	6	have	have	VERB
fsr-3203	59	7	insufficient	insufficient	ADJ
fsr-3203	59	8	coverage	coverage	NOUN
fsr-3203	59	9	state	state	NOUN
fsr-3203	59	10	the	the	DET
fsr-3203	59	11	price	price	NOUN
fsr-3203	59	12	of	of	ADP
fsr-3203	59	13	life	life	NOUN
fsr-3203	59	14	insurance	insurance	NOUN
fsr-3203	59	15	as	as	ADP
fsr-3203	59	16	the	the	DET
fsr-3203	59	17	foremost	foremost	ADJ
fsr-3203	59	18	barrier	barrier	NOUN
fsr-3203	59	19	to	to	PART
fsr-3203	59	20	purchase	purchase	VERB
fsr-3203	59	21	,	,	PUNCT
fsr-3203	59	22	second	second	ADJ
fsr-3203	59	23	to	to	ADP
fsr-3203	59	24	having	have	VERB
fsr-3203	59	25	other	other	ADJ
fsr-3203	59	26	financial	financial	ADJ
fsr-3203	59	27	priorities	priority	NOUN
fsr-3203	59	28	.	.	PUNCT
fsr-3203	60	1	unawareness	unawareness	NOUN
fsr-3203	60	2	of	of	ADP
fsr-3203	60	3	need	need	NOUN
fsr-3203	60	4	or	or	CCONJ
fsr-3203	60	5	risk	risk	NOUN
fsr-3203	60	6	also	also	ADV
fsr-3203	60	7	results	result	VERB
fsr-3203	60	8	in	in	ADP
fsr-3203	60	9	insufficient	insufficient	ADJ
fsr-3203	60	10	amounts	amount	NOUN
fsr-3203	60	11	of	of	ADP
fsr-3203	60	12	life	life	NOUN
fsr-3203	60	13	insurance	insurance	NOUN
fsr-3203	60	14	(	(	PUNCT
fsr-3203	60	15	johnson	johnson	PROPN
fsr-3203	60	16	,	,	PUNCT
fsr-3203	60	17	1970	1970	NUM
fsr-3203	60	18	;	;	PUNCT
fsr-3203	60	19	mitchel	mitchel	PROPN
fsr-3203	60	20	,	,	PUNCT
fsr-3203	60	21	2003	2003	NUM
fsr-3203	60	22	)	)	PUNCT
fsr-3203	60	23	,	,	PUNCT
fsr-3203	60	24	implying	imply	VERB
fsr-3203	60	25	that	that	SCONJ
fsr-3203	60	26	educating	educate	VERB
fsr-3203	60	27	households	household	NOUN
fsr-3203	60	28	about	about	ADP
fsr-3203	60	29	the	the	DET
fsr-3203	60	30	inherent	inherent	ADJ
fsr-3203	60	31	necessity	necessity	NOUN
fsr-3203	60	32	of	of	ADP
fsr-3203	60	33	life	life	NOUN
fsr-3203	60	34	289j.k	289j.k	NUM
fsr-3203	60	35	.	.	PUNCT
fsr-3203	61	1	scott	scott	PROPN
fsr-3203	61	2	,	,	PUNCT
fsr-3203	61	3	j.	j.	PROPN
fsr-3203	61	4	gilliam	gilliam	PROPN
fsr-3203	61	5	/	/	SYM
fsr-3203	61	6	financial	financial	PROPN
fsr-3203	61	7	services	service	NOUN
fsr-3203	61	8	review	review	VERB
fsr-3203	61	9	23	23	NUM
fsr-3203	61	10	(	(	PUNCT
fsr-3203	61	11	2014	2014	NUM
fsr-3203	61	12	)	)	PUNCT
fsr-3203	61	13	287–304	287–304	NUM
fsr-3203	61	14	insurance	insurance	NOUN
fsr-3203	61	15	adequacy	adequacy	NOUN
fsr-3203	61	16	,	,	PUNCT
fsr-3203	61	17	and	and	CCONJ
fsr-3203	61	18	the	the	DET
fsr-3203	61	19	risks	risk	NOUN
fsr-3203	61	20	of	of	ADP
fsr-3203	61	21	insufficiency	insufficiency	NOUN
fsr-3203	61	22	,	,	PUNCT
fsr-3203	61	23	should	should	AUX
fsr-3203	61	24	result	result	VERB
fsr-3203	61	25	in	in	ADP
fsr-3203	61	26	adequate	adequate	ADJ
fsr-3203	61	27	life	life	NOUN
fsr-3203	61	28	insurance	insurance	NOUN
fsr-3203	61	29	.	.	PUNCT
fsr-3203	62	1	this	this	PRON
fsr-3203	62	2	produces	produce	VERB
fsr-3203	62	3	a	a	DET
fsr-3203	62	4	simple	simple	ADJ
fsr-3203	62	5	equation	equation	NOUN
fsr-3203	62	6	:	:	PUNCT
fsr-3203	62	7	awareness	awareness	NOUN
fsr-3203	62	8	of	of	ADP
fsr-3203	62	9	need	need	NOUN
fsr-3203	62	10	and	and	CCONJ
fsr-3203	62	11	risk	risk	NOUN
fsr-3203	62	12	�	�	PROPN
fsr-3203	62	13	knowledge	knowledge	NOUN
fsr-3203	62	14	�	�	PROPN
fsr-3203	62	15	sufficient	sufficient	ADJ
fsr-3203	62	16	financial	financial	ADJ
fsr-3203	62	17	assets	asset	NOUN
fsr-3203	62	18	(	(	PUNCT
fsr-3203	62	19	should	should	AUX
fsr-3203	62	20	)	)	PUNCT
fsr-3203	62	21	�	�	VERB
fsr-3203	62	22	adequate	adequate	ADJ
fsr-3203	62	23	life	life	NOUN
fsr-3203	62	24	insurance	insurance	NOUN
fsr-3203	62	25	.	.	PUNCT
fsr-3203	63	1	this	this	PRON
fsr-3203	63	2	would	would	AUX
fsr-3203	63	3	not	not	PART
fsr-3203	63	4	only	only	ADV
fsr-3203	63	5	suggest	suggest	VERB
fsr-3203	63	6	an	an	DET
fsr-3203	63	7	opportunity	opportunity	NOUN
fsr-3203	63	8	for	for	SCONJ
fsr-3203	63	9	financial	financial	ADJ
fsr-3203	63	10	planners	planner	NOUN
fsr-3203	63	11	to	to	PART
fsr-3203	63	12	educate	educate	VERB
fsr-3203	63	13	clients	client	NOUN
fsr-3203	63	14	,	,	PUNCT
fsr-3203	63	15	but	but	CCONJ
fsr-3203	63	16	insinuate	insinuate	VERB
fsr-3203	63	17	that	that	PRON
fsr-3203	63	18	simply	simply	ADV
fsr-3203	63	19	delivering	deliver	VERB
fsr-3203	63	20	the	the	DET
fsr-3203	63	21	information	information	NOUN
fsr-3203	63	22	,	,	PUNCT
fsr-3203	63	23	updating	update	VERB
fsr-3203	63	24	clients	client	NOUN
fsr-3203	63	25	about	about	ADP
fsr-3203	63	26	the	the	DET
fsr-3203	63	27	changes	change	NOUN
fsr-3203	63	28	in	in	ADP
fsr-3203	63	29	delivery	delivery	NOUN
fsr-3203	63	30	and	and	CCONJ
fsr-3203	63	31	access	access	NOUN
fsr-3203	63	32	to	to	ADP
fsr-3203	63	33	insurance	insurance	NOUN
fsr-3203	63	34	,	,	PUNCT
fsr-3203	63	35	the	the	DET
fsr-3203	63	36	wider	wide	ADJ
fsr-3203	63	37	use	use	NOUN
fsr-3203	63	38	of	of	ADP
fsr-3203	63	39	the	the	DET
fsr-3203	63	40	internet	internet	NOUN
fsr-3203	63	41	as	as	SCONJ
fsr-3203	63	42	regards	regard	VERB
fsr-3203	63	43	life	life	NOUN
fsr-3203	63	44	insurance	insurance	NOUN
fsr-3203	63	45	,	,	PUNCT
fsr-3203	63	46	the	the	DET
fsr-3203	63	47	use	use	NOUN
fsr-3203	63	48	of	of	ADP
fsr-3203	63	49	cell	cell	NOUN
fsr-3203	63	50	phones	phone	NOUN
fsr-3203	63	51	for	for	ADP
fsr-3203	63	52	financial	financial	ADJ
fsr-3203	63	53	transactions	transaction	NOUN
fsr-3203	63	54	,	,	PUNCT
fsr-3203	63	55	and	and	CCONJ
fsr-3203	63	56	so	so	ADV
fsr-3203	63	57	forth	forth	ADV
fsr-3203	63	58	,	,	PUNCT
fsr-3203	63	59	should	should	AUX
fsr-3203	63	60	result	result	VERB
fsr-3203	63	61	in	in	ADP
fsr-3203	63	62	changed	change	VERB
fsr-3203	63	63	behavior	behavior	NOUN
fsr-3203	63	64	.	.	PUNCT
fsr-3203	64	1	however	however	ADV
fsr-3203	64	2	,	,	PUNCT
fsr-3203	64	3	we	we	PRON
fsr-3203	64	4	know	know	VERB
fsr-3203	64	5	that	that	SCONJ
fsr-3203	64	6	the	the	DET
fsr-3203	64	7	situation	situation	NOUN
fsr-3203	64	8	is	be	AUX
fsr-3203	64	9	far	far	ADV
fsr-3203	64	10	more	more	ADV
fsr-3203	64	11	complicated	complicated	ADJ
fsr-3203	64	12	because	because	SCONJ
fsr-3203	64	13	of	of	ADP
fsr-3203	64	14	behavioral	behavioral	ADJ
fsr-3203	64	15	biases	bias	NOUN
fsr-3203	64	16	and	and	CCONJ
fsr-3203	64	17	other	other	ADJ
fsr-3203	64	18	extenuating	extenuate	VERB
fsr-3203	64	19	factors	factor	NOUN
fsr-3203	64	20	influencing	influence	VERB
fsr-3203	64	21	household	household	NOUN
fsr-3203	64	22	insurance	insurance	NOUN
fsr-3203	64	23	behavior	behavior	NOUN
fsr-3203	64	24	.	.	PUNCT
fsr-3203	65	1	for	for	ADP
fsr-3203	65	2	example	example	NOUN
fsr-3203	65	3	,	,	PUNCT
fsr-3203	65	4	many	many	ADJ
fsr-3203	65	5	households	household	NOUN
fsr-3203	65	6	choose	choose	VERB
fsr-3203	65	7	to	to	PART
fsr-3203	65	8	postpone	postpone	VERB
fsr-3203	65	9	paying	pay	VERB
fsr-3203	65	10	all	all	DET
fsr-3203	65	11	debts	debt	NOUN
fsr-3203	65	12	in	in	ADP
fsr-3203	65	13	the	the	DET
fsr-3203	65	14	event	event	NOUN
fsr-3203	65	15	of	of	ADP
fsr-3203	65	16	a	a	DET
fsr-3203	65	17	spouse	spouse	NOUN
fsr-3203	65	18	’s	’s	PART
fsr-3203	65	19	death	death	NOUN
fsr-3203	65	20	.	.	PUNCT
fsr-3203	66	1	they	they	PRON
fsr-3203	66	2	find	find	VERB
fsr-3203	66	3	alternative	alternative	ADJ
fsr-3203	66	4	ways	way	NOUN
fsr-3203	66	5	to	to	PART
fsr-3203	66	6	fund	fund	VERB
fsr-3203	66	7	education	education	NOUN
fsr-3203	66	8	for	for	ADP
fsr-3203	66	9	their	their	PRON
fsr-3203	66	10	children	child	NOUN
fsr-3203	66	11	.	.	PUNCT
fsr-3203	67	1	they	they	PRON
fsr-3203	67	2	may	may	AUX
fsr-3203	67	3	be	be	AUX
fsr-3203	67	4	willing	willing	ADJ
fsr-3203	67	5	to	to	PART
fsr-3203	67	6	reduce	reduce	VERB
fsr-3203	67	7	living	living	NOUN
fsr-3203	67	8	standards	standard	NOUN
fsr-3203	67	9	to	to	PART
fsr-3203	67	10	adjust	adjust	VERB
fsr-3203	67	11	after	after	ADP
fsr-3203	67	12	losing	lose	VERB
fsr-3203	67	13	a	a	DET
fsr-3203	67	14	spouse	spouse	NOUN
fsr-3203	67	15	or	or	CCONJ
fsr-3203	67	16	pin	pin	NOUN
fsr-3203	67	17	hopes	hope	NOUN
fsr-3203	67	18	on	on	ADP
fsr-3203	67	19	remarrying	remarry	VERB
fsr-3203	67	20	to	to	PART
fsr-3203	67	21	justify	justify	VERB
fsr-3203	67	22	lower	low	ADJ
fsr-3203	67	23	amounts	amount	NOUN
fsr-3203	67	24	of	of	ADP
fsr-3203	67	25	life	life	NOUN
fsr-3203	67	26	insurance	insurance	NOUN
fsr-3203	67	27	.	.	PUNCT
fsr-3203	68	1	all	all	PRON
fsr-3203	68	2	of	of	ADP
fsr-3203	68	3	these	these	DET
fsr-3203	68	4	reasons	reason	NOUN
fsr-3203	68	5	would	would	AUX
fsr-3203	68	6	be	be	AUX
fsr-3203	68	7	sufficient	sufficient	ADJ
fsr-3203	68	8	to	to	PART
fsr-3203	68	9	warrant	warrant	VERB
fsr-3203	68	10	inadequate	inadequate	ADJ
fsr-3203	68	11	coverage	coverage	NOUN
fsr-3203	68	12	of	of	ADP
fsr-3203	68	13	life	life	NOUN
fsr-3203	68	14	insurance	insurance	NOUN
fsr-3203	68	15	,	,	PUNCT
fsr-3203	68	16	but	but	CCONJ
fsr-3203	68	17	would	would	AUX
fsr-3203	68	18	leave	leave	VERB
fsr-3203	68	19	room	room	NOUN
fsr-3203	68	20	for	for	ADP
fsr-3203	68	21	copious	copious	ADJ
fsr-3203	68	22	“	"	PUNCT
fsr-3203	68	23	what	what	PRON
fsr-3203	68	24	ifs	ifs	PROPN
fsr-3203	68	25	,	,	PUNCT
fsr-3203	68	26	”	"	PUNCT
fsr-3203	68	27	which	which	PRON
fsr-3203	68	28	may	may	AUX
fsr-3203	68	29	cost	cost	VERB
fsr-3203	68	30	them	they	PRON
fsr-3203	68	31	future	future	ADJ
fsr-3203	68	32	goals	goal	NOUN
fsr-3203	68	33	.	.	PUNCT
fsr-3203	69	1	additionally	additionally	ADV
fsr-3203	69	2	,	,	PUNCT
fsr-3203	69	3	the	the	DET
fsr-3203	69	4	top	top	ADJ
fsr-3203	69	5	10	10	NUM
fsr-3203	69	6	%	%	NOUN
fsr-3203	69	7	of	of	ADP
fsr-3203	69	8	life	life	NOUN
fsr-3203	69	9	insurance	insurance	NOUN
fsr-3203	69	10	companies	company	NOUN
fsr-3203	69	11	had	have	VERB
fsr-3203	69	12	approximately	approximately	ADV
fsr-3203	69	13	one	one	NUM
fsr-3203	69	14	-	-	PUNCT
fsr-3203	69	15	quarter	quarter	NOUN
fsr-3203	69	16	of	of	ADP
fsr-3203	69	17	their	their	PRON
fsr-3203	69	18	assets	asset	NOUN
fsr-3203	69	19	tied	tie	VERB
fsr-3203	69	20	up	up	ADP
fsr-3203	69	21	in	in	ADP
fsr-3203	69	22	mortgagebacked	mortgagebacked	ADJ
fsr-3203	69	23	securities	security	NOUN
fsr-3203	69	24	by	by	ADP
fsr-3203	69	25	2006	2006	NUM
fsr-3203	69	26	—	—	PUNCT
fsr-3203	69	27	assets	asset	NOUN
fsr-3203	69	28	that	that	PRON
fsr-3203	69	29	were	be	AUX
fsr-3203	69	30	a	a	DET
fsr-3203	69	31	part	part	NOUN
fsr-3203	69	32	of	of	ADP
fsr-3203	69	33	many	many	ADJ
fsr-3203	69	34	individual	individual	ADJ
fsr-3203	69	35	household	household	NOUN
fsr-3203	69	36	portfolios	portfolio	NOUN
fsr-3203	69	37	.	.	PUNCT
fsr-3203	70	1	when	when	SCONJ
fsr-3203	70	2	many	many	ADJ
fsr-3203	70	3	homeowners	homeowner	NOUN
fsr-3203	70	4	stopped	stop	VERB
fsr-3203	70	5	paying	pay	VERB
fsr-3203	70	6	their	their	PRON
fsr-3203	70	7	mortgages	mortgage	NOUN
fsr-3203	70	8	,	,	PUNCT
fsr-3203	70	9	this	this	PRON
fsr-3203	70	10	decreased	decrease	VERB
fsr-3203	70	11	the	the	DET
fsr-3203	70	12	underlying	underlie	VERB
fsr-3203	70	13	value	value	NOUN
fsr-3203	70	14	of	of	ADP
fsr-3203	70	15	these	these	DET
fsr-3203	70	16	securities	security	NOUN
fsr-3203	70	17	,	,	PUNCT
fsr-3203	70	18	and	and	CCONJ
fsr-3203	70	19	thus	thus	ADV
fsr-3203	70	20	,	,	PUNCT
fsr-3203	70	21	severely	severely	ADV
fsr-3203	70	22	reduced	reduce	VERB
fsr-3203	70	23	many	many	ADJ
fsr-3203	70	24	household	household	NOUN
fsr-3203	70	25	portfolios	portfolio	NOUN
fsr-3203	70	26	.	.	PUNCT
fsr-3203	71	1	for	for	ADP
fsr-3203	71	2	many	many	ADJ
fsr-3203	71	3	households	household	NOUN
fsr-3203	71	4	“	"	PUNCT
fsr-3203	71	5	sufficient	sufficient	ADJ
fsr-3203	71	6	financial	financial	ADJ
fsr-3203	71	7	assets	asset	NOUN
fsr-3203	71	8	”	"	PUNCT
fsr-3203	71	9	in	in	ADP
fsr-3203	71	10	the	the	DET
fsr-3203	71	11	simple	simple	ADJ
fsr-3203	71	12	equation	equation	NOUN
fsr-3203	71	13	above	above	ADV
fsr-3203	71	14	was	be	AUX
fsr-3203	71	15	more	more	ADV
fsr-3203	71	16	than	than	ADP
fsr-3203	71	17	compromised	compromise	VERB
fsr-3203	71	18	(	(	PUNCT
fsr-3203	71	19	baranoff	baranoff	NOUN
fsr-3203	71	20	and	and	CCONJ
fsr-3203	71	21	sager	sager	NOUN
fsr-3203	71	22	,	,	PUNCT
fsr-3203	71	23	2009	2009	NUM
fsr-3203	71	24	)	)	PUNCT
fsr-3203	71	25	.	.	PUNCT
fsr-3203	72	1	calculators	calculator	NOUN
fsr-3203	72	2	are	be	AUX
fsr-3203	72	3	commonly	commonly	ADV
fsr-3203	72	4	used	use	VERB
fsr-3203	72	5	to	to	PART
fsr-3203	72	6	determine	determine	VERB
fsr-3203	72	7	life	life	NOUN
fsr-3203	72	8	insurance	insurance	NOUN
fsr-3203	72	9	adequacy	adequacy	NOUN
fsr-3203	72	10	by	by	ADP
fsr-3203	72	11	computing	compute	VERB
fsr-3203	72	12	insurance	insurance	NOUN
fsr-3203	72	13	needs	need	NOUN
fsr-3203	72	14	that	that	PRON
fsr-3203	72	15	are	be	AUX
fsr-3203	72	16	based	base	VERB
fsr-3203	72	17	on	on	ADP
fsr-3203	72	18	income	income	NOUN
fsr-3203	72	19	and	and	CCONJ
fsr-3203	72	20	arbitrary	arbitrary	ADJ
fsr-3203	72	21	numbers	number	NOUN
fsr-3203	72	22	,	,	PUNCT
fsr-3203	72	23	human	human	ADJ
fsr-3203	72	24	capitalized	capitalize	VERB
fsr-3203	72	25	method	method	NOUN
fsr-3203	72	26	,	,	PUNCT
fsr-3203	72	27	capital	capital	NOUN
fsr-3203	72	28	needs	need	VERB
fsr-3203	72	29	analysis	analysis	NOUN
fsr-3203	72	30	,	,	PUNCT
fsr-3203	72	31	the	the	DET
fsr-3203	72	32	multiple	multiple	ADJ
fsr-3203	72	33	income	income	NOUN
fsr-3203	72	34	method	method	NOUN
fsr-3203	72	35	,	,	PUNCT
fsr-3203	72	36	and	and	CCONJ
fsr-3203	72	37	the	the	DET
fsr-3203	72	38	economic	economic	ADJ
fsr-3203	72	39	life	life	NOUN
fsr-3203	72	40	cycle	cycle	NOUN
fsr-3203	72	41	method	method	NOUN
fsr-3203	72	42	(	(	PUNCT
fsr-3203	72	43	mitchell	mitchell	PROPN
fsr-3203	72	44	,	,	PUNCT
fsr-3203	72	45	2003	2003	NUM
fsr-3203	72	46	)	)	PUNCT
fsr-3203	72	47	.	.	PUNCT
fsr-3203	73	1	the	the	DET
fsr-3203	73	2	human	human	ADJ
fsr-3203	73	3	capitalized	capitalize	VERB
fsr-3203	73	4	model	model	NOUN
fsr-3203	73	5	projects	project	NOUN
fsr-3203	73	6	income	income	NOUN
fsr-3203	73	7	into	into	ADP
fsr-3203	73	8	the	the	DET
fsr-3203	73	9	future	future	NOUN
fsr-3203	73	10	and	and	CCONJ
fsr-3203	73	11	then	then	ADV
fsr-3203	73	12	discounts	discount	VERB
fsr-3203	73	13	it	it	PRON
fsr-3203	73	14	to	to	ADP
fsr-3203	73	15	the	the	DET
fsr-3203	73	16	present	present	NOUN
fsr-3203	73	17	.	.	PUNCT
fsr-3203	74	1	the	the	DET
fsr-3203	74	2	capital	capital	NOUN
fsr-3203	74	3	needs	need	VERB
fsr-3203	74	4	method	method	NOUN
fsr-3203	74	5	takes	take	VERB
fsr-3203	74	6	into	into	ADP
fsr-3203	74	7	consideration	consideration	NOUN
fsr-3203	74	8	the	the	DET
fsr-3203	74	9	reduction	reduction	NOUN
fsr-3203	74	10	of	of	ADP
fsr-3203	74	11	household	household	NOUN
fsr-3203	74	12	income	income	NOUN
fsr-3203	74	13	because	because	SCONJ
fsr-3203	74	14	of	of	ADP
fsr-3203	74	15	the	the	DET
fsr-3203	74	16	death	death	NOUN
fsr-3203	74	17	of	of	ADP
fsr-3203	74	18	a	a	DET
fsr-3203	74	19	wage	wage	NOUN
fsr-3203	74	20	earner	earner	NOUN
fsr-3203	74	21	and	and	CCONJ
fsr-3203	74	22	the	the	DET
fsr-3203	74	23	decrease	decrease	NOUN
fsr-3203	74	24	in	in	ADP
fsr-3203	74	25	living	living	NOUN
fsr-3203	74	26	standard	standard	NOUN
fsr-3203	74	27	suffered	suffer	VERB
fsr-3203	74	28	by	by	ADP
fsr-3203	74	29	the	the	DET
fsr-3203	74	30	survivors	survivor	NOUN
fsr-3203	74	31	.	.	PUNCT
fsr-3203	75	1	this	this	DET
fsr-3203	75	2	information	information	NOUN
fsr-3203	75	3	is	be	AUX
fsr-3203	75	4	then	then	ADV
fsr-3203	75	5	incorporated	incorporate	VERB
fsr-3203	75	6	into	into	ADP
fsr-3203	75	7	insurance	insurance	NOUN
fsr-3203	75	8	needs	need	NOUN
fsr-3203	75	9	.	.	PUNCT
fsr-3203	76	1	the	the	DET
fsr-3203	76	2	multiple	multiple	ADJ
fsr-3203	76	3	income	income	NOUN
fsr-3203	76	4	method	method	NOUN
fsr-3203	76	5	uses	use	VERB
fsr-3203	76	6	a	a	DET
fsr-3203	76	7	predetermined	predetermine	VERB
fsr-3203	76	8	figure	figure	NOUN
fsr-3203	76	9	and	and	CCONJ
fsr-3203	76	10	multiplies	multiply	VERB
fsr-3203	76	11	it	it	PRON
fsr-3203	76	12	by	by	ADP
fsr-3203	76	13	earnings	earning	NOUN
fsr-3203	76	14	to	to	PART
fsr-3203	76	15	derive	derive	VERB
fsr-3203	76	16	total	total	ADJ
fsr-3203	76	17	life	life	NOUN
fsr-3203	76	18	insurance	insurance	NOUN
fsr-3203	76	19	needs	need	NOUN
fsr-3203	76	20	.	.	PUNCT
fsr-3203	77	1	the	the	DET
fsr-3203	77	2	economic	economic	ADJ
fsr-3203	77	3	life	life	NOUN
fsr-3203	77	4	cycle	cycle	NOUN
fsr-3203	77	5	is	be	AUX
fsr-3203	77	6	based	base	VERB
fsr-3203	77	7	on	on	ADP
fsr-3203	77	8	the	the	DET
fsr-3203	77	9	life	life	NOUN
fsr-3203	77	10	cycle	cycle	NOUN
fsr-3203	77	11	model	model	NOUN
fsr-3203	77	12	—	—	PUNCT
fsr-3203	77	13	finding	find	VERB
fsr-3203	77	14	an	an	DET
fsr-3203	77	15	optimal	optimal	ADJ
fsr-3203	77	16	,	,	PUNCT
fsr-3203	77	17	smooth	smooth	ADJ
fsr-3203	77	18	consumption	consumption	NOUN
fsr-3203	77	19	path	path	NOUN
fsr-3203	77	20	over	over	ADP
fsr-3203	77	21	the	the	DET
fsr-3203	77	22	insured	insure	VERB
fsr-3203	77	23	’s	’s	PART
fsr-3203	77	24	lifetime	lifetime	NOUN
fsr-3203	77	25	and	and	CCONJ
fsr-3203	77	26	determining	determine	VERB
fsr-3203	77	27	appropriate	appropriate	ADJ
fsr-3203	77	28	life	life	NOUN
fsr-3203	77	29	insurance	insurance	NOUN
fsr-3203	77	30	needs	need	NOUN
fsr-3203	77	31	.	.	PUNCT
fsr-3203	78	1	because	because	SCONJ
fsr-3203	78	2	these	these	PRON
fsr-3203	78	3	are	be	AUX
fsr-3203	78	4	different	different	ADJ
fsr-3203	78	5	methods	method	NOUN
fsr-3203	78	6	,	,	PUNCT
fsr-3203	78	7	incorporating	incorporate	VERB
fsr-3203	78	8	different	different	ADJ
fsr-3203	78	9	household	household	NOUN
fsr-3203	78	10	financial	financial	ADJ
fsr-3203	78	11	information	information	NOUN
fsr-3203	78	12	,	,	PUNCT
fsr-3203	78	13	the	the	DET
fsr-3203	78	14	amount	amount	NOUN
fsr-3203	78	15	of	of	ADP
fsr-3203	78	16	life	life	NOUN
fsr-3203	78	17	insurance	insurance	NOUN
fsr-3203	78	18	will	will	AUX
fsr-3203	78	19	vary	vary	VERB
fsr-3203	78	20	based	base	VERB
fsr-3203	78	21	on	on	ADP
fsr-3203	78	22	inputs	input	NOUN
fsr-3203	78	23	.	.	PUNCT
fsr-3203	79	1	past	past	ADJ
fsr-3203	79	2	studies	study	NOUN
fsr-3203	79	3	that	that	PRON
fsr-3203	79	4	examine	examine	VERB
fsr-3203	79	5	life	life	NOUN
fsr-3203	79	6	insurance	insurance	NOUN
fsr-3203	79	7	demand	demand	NOUN
fsr-3203	79	8	use	use	VERB
fsr-3203	79	9	similar	similar	ADJ
fsr-3203	79	10	variables	variable	NOUN
fsr-3203	79	11	to	to	PART
fsr-3203	79	12	assess	assess	VERB
fsr-3203	79	13	adequacy	adequacy	NOUN
fsr-3203	79	14	.	.	PUNCT
fsr-3203	80	1	using	use	VERB
fsr-3203	80	2	the	the	DET
fsr-3203	80	3	1992	1992	NUM
fsr-3203	80	4	wave	wave	NOUN
fsr-3203	80	5	of	of	ADP
fsr-3203	80	6	the	the	DET
fsr-3203	80	7	health	health	NOUN
fsr-3203	80	8	and	and	CCONJ
fsr-3203	80	9	retirement	retirement	NOUN
fsr-3203	80	10	survey	survey	NOUN
fsr-3203	80	11	(	(	PUNCT
fsr-3203	80	12	hrs	hrs	NOUN
fsr-3203	80	13	)	)	PUNCT
fsr-3203	80	14	,	,	PUNCT
fsr-3203	80	15	and	and	CCONJ
fsr-3203	80	16	the	the	DET
fsr-3203	80	17	economic	economic	ADJ
fsr-3203	80	18	security	security	NOUN
fsr-3203	80	19	planner	planner	NOUN
fsr-3203	80	20	(	(	PUNCT
fsr-3203	80	21	esplanner	esplanner	NOUN
fsr-3203	80	22	)	)	PUNCT
fsr-3203	80	23	financial	financial	ADJ
fsr-3203	80	24	planning	planning	NOUN
fsr-3203	80	25	software	software	NOUN
fsr-3203	80	26	to	to	PART
fsr-3203	80	27	compute	compute	VERB
fsr-3203	80	28	life	life	NOUN
fsr-3203	80	29	insurance	insurance	NOUN
fsr-3203	80	30	needs	need	NOUN
fsr-3203	80	31	,	,	PUNCT
fsr-3203	80	32	bernheim	bernheim	PROPN
fsr-3203	80	33	et	et	PROPN
fsr-3203	80	34	al	al	PROPN
fsr-3203	80	35	.	.	PROPN
fsr-3203	81	1	(	(	PUNCT
fsr-3203	81	2	1999	1999	NUM
fsr-3203	81	3	)	)	PUNCT
fsr-3203	81	4	finds	find	VERB
fsr-3203	81	5	underinsurance	underinsurance	NOUN
fsr-3203	81	6	among	among	ADP
fsr-3203	81	7	single	single	ADJ
fsr-3203	81	8	households	household	NOUN
fsr-3203	81	9	,	,	PUNCT
fsr-3203	81	10	non	non	ADJ
fsr-3203	81	11	-	-	ADJ
fsr-3203	81	12	white	white	ADJ
fsr-3203	81	13	households	household	NOUN
fsr-3203	81	14	,	,	PUNCT
fsr-3203	81	15	younger	young	ADJ
fsr-3203	81	16	households	household	NOUN
fsr-3203	81	17	,	,	PUNCT
fsr-3203	81	18	and	and	CCONJ
fsr-3203	81	19	other	other	ADJ
fsr-3203	81	20	groups	group	NOUN
fsr-3203	81	21	.	.	PUNCT
fsr-3203	82	1	finke	finke	PROPN
fsr-3203	82	2	,	,	PUNCT
fsr-3203	82	3	huston	huston	PROPN
fsr-3203	82	4	,	,	PUNCT
fsr-3203	82	5	and	and	CCONJ
fsr-3203	82	6	waller	waller	PROPN
fsr-3203	82	7	(	(	PUNCT
fsr-3203	82	8	2009	2009	NUM
fsr-3203	82	9	)	)	PUNCT
fsr-3203	82	10	developed	develop	VERB
fsr-3203	82	11	the	the	DET
fsr-3203	82	12	most	most	ADV
fsr-3203	82	13	recent	recent	ADJ
fsr-3203	82	14	and	and	CCONJ
fsr-3203	82	15	extensive	extensive	ADJ
fsr-3203	82	16	model	model	NOUN
fsr-3203	82	17	of	of	ADP
fsr-3203	82	18	life	life	NOUN
fsr-3203	82	19	insurance	insurance	NOUN
fsr-3203	82	20	adequacy	adequacy	NOUN
fsr-3203	82	21	.	.	PUNCT
fsr-3203	83	1	this	this	DET
fsr-3203	83	2	model	model	NOUN
fsr-3203	83	3	includes	include	VERB
fsr-3203	83	4	current	current	ADJ
fsr-3203	83	5	life	life	NOUN
fsr-3203	83	6	insurance	insurance	NOUN
fsr-3203	83	7	,	,	PUNCT
fsr-3203	83	8	household	household	NOUN
fsr-3203	83	9	income	income	NOUN
fsr-3203	83	10	,	,	PUNCT
fsr-3203	83	11	estimated	estimate	VERB
fsr-3203	83	12	taxes	taxis	NOUN
fsr-3203	83	13	,	,	PUNCT
fsr-3203	83	14	household	household	NOUN
fsr-3203	83	15	economies	economy	NOUN
fsr-3203	83	16	of	of	ADP
fsr-3203	83	17	scale	scale	NOUN
fsr-3203	83	18	,	,	PUNCT
fsr-3203	83	19	and	and	CCONJ
fsr-3203	83	20	other	other	ADJ
fsr-3203	83	21	key	key	ADJ
fsr-3203	83	22	factors	factor	NOUN
fsr-3203	83	23	to	to	PART
fsr-3203	83	24	determine	determine	VERB
fsr-3203	83	25	adequacy	adequacy	NOUN
fsr-3203	83	26	.	.	PUNCT
fsr-3203	84	1	finke	finke	PROPN
fsr-3203	84	2	,	,	PUNCT
fsr-3203	84	3	huston	huston	PROPN
fsr-3203	84	4	,	,	PUNCT
fsr-3203	84	5	and	and	CCONJ
fsr-3203	84	6	waller	waller	PROPN
fsr-3203	84	7	’s	’s	PART
fsr-3203	84	8	(	(	PUNCT
fsr-3203	84	9	2009	2009	NUM
fsr-3203	84	10	)	)	PUNCT
fsr-3203	84	11	model	model	NOUN
fsr-3203	84	12	for	for	ADP
fsr-3203	84	13	life	life	NOUN
fsr-3203	84	14	insurance	insurance	NOUN
fsr-3203	84	15	adequacy	adequacy	NOUN
fsr-3203	84	16	will	will	AUX
fsr-3203	84	17	serve	serve	VERB
fsr-3203	84	18	as	as	ADP
fsr-3203	84	19	the	the	DET
fsr-3203	84	20	framework	framework	NOUN
fsr-3203	84	21	for	for	ADP
fsr-3203	84	22	this	this	DET
fsr-3203	84	23	study	study	NOUN
fsr-3203	84	24	,	,	PUNCT
fsr-3203	84	25	discussed	discuss	VERB
fsr-3203	84	26	later	later	ADV
fsr-3203	84	27	in	in	ADP
fsr-3203	84	28	the	the	DET
fsr-3203	84	29	article	article	NOUN
fsr-3203	84	30	.	.	PUNCT
fsr-3203	85	1	independent	independent	ADJ
fsr-3203	85	2	variables	variable	NOUN
fsr-3203	85	3	used	use	VERB
fsr-3203	85	4	in	in	ADP
fsr-3203	85	5	the	the	DET
fsr-3203	85	6	analyses	analysis	NOUN
fsr-3203	85	7	are	be	AUX
fsr-3203	85	8	discussed	discuss	VERB
fsr-3203	85	9	below	below	ADV
fsr-3203	85	10	.	.	PUNCT
fsr-3203	86	1	290	290	NUM
fsr-3203	86	2	j.k	j.k	PROPN
fsr-3203	86	3	.	.	PROPN
fsr-3203	86	4	scott	scott	PROPN
fsr-3203	86	5	,	,	PUNCT
fsr-3203	86	6	j.	j.	PROPN
fsr-3203	86	7	gilliam	gilliam	PROPN
fsr-3203	86	8	/	/	SYM
fsr-3203	86	9	financial	financial	PROPN
fsr-3203	86	10	services	service	NOUN
fsr-3203	86	11	review	review	VERB
fsr-3203	86	12	23	23	NUM
fsr-3203	86	13	(	(	PUNCT
fsr-3203	86	14	2014	2014	NUM
fsr-3203	86	15	)	)	PUNCT
fsr-3203	87	1	287–304	287–304	NUM
fsr-3203	87	2	2.2	2.2	NUM
fsr-3203	87	3	.	.	PUNCT
fsr-3203	88	1	independent	independent	ADJ
fsr-3203	88	2	variables	variable	NOUN
fsr-3203	88	3	2.2.1	2.2.1	NUM
fsr-3203	88	4	.	.	PUNCT
fsr-3203	89	1	age	age	VERB
fsr-3203	89	2	the	the	DET
fsr-3203	89	3	effect	effect	NOUN
fsr-3203	89	4	of	of	ADP
fsr-3203	89	5	age	age	NOUN
fsr-3203	89	6	on	on	ADP
fsr-3203	89	7	insurance	insurance	NOUN
fsr-3203	89	8	demand	demand	NOUN
fsr-3203	89	9	is	be	AUX
fsr-3203	89	10	varied	varied	ADJ
fsr-3203	89	11	(	(	PUNCT
fsr-3203	89	12	chen	chen	PROPN
fsr-3203	89	13	,	,	PUNCT
fsr-3203	89	14	wong	wong	PROPN
fsr-3203	89	15	,	,	PUNCT
fsr-3203	89	16	and	and	CCONJ
fsr-3203	89	17	lee	lee	PROPN
fsr-3203	89	18	,	,	PUNCT
fsr-3203	89	19	2001	2001	NUM
fsr-3203	89	20	;	;	PUNCT
fsr-3203	89	21	showers	shower	NOUN
fsr-3203	89	22	and	and	CCONJ
fsr-3203	89	23	shotick	shotick	ADJ
fsr-3203	89	24	,	,	PUNCT
fsr-3203	89	25	1994	1994	NUM
fsr-3203	89	26	;	;	PUNCT
fsr-3203	89	27	zietz	zietz	NOUN
fsr-3203	89	28	,	,	PUNCT
fsr-3203	89	29	2003	2003	NUM
fsr-3203	89	30	)	)	PUNCT
fsr-3203	89	31	.	.	PUNCT
fsr-3203	90	1	as	as	SCONJ
fsr-3203	90	2	age	age	NOUN
fsr-3203	90	3	increases	increase	NOUN
fsr-3203	90	4	,	,	PUNCT
fsr-3203	90	5	we	we	PRON
fsr-3203	90	6	would	would	AUX
fsr-3203	90	7	expect	expect	VERB
fsr-3203	90	8	life	life	NOUN
fsr-3203	90	9	insurance	insurance	NOUN
fsr-3203	90	10	face	face	NOUN
fsr-3203	90	11	value	value	NOUN
fsr-3203	90	12	amounts	amount	VERB
fsr-3203	90	13	to	to	PART
fsr-3203	90	14	decrease	decrease	NOUN
fsr-3203	90	15	because	because	SCONJ
fsr-3203	90	16	the	the	DET
fsr-3203	90	17	need	need	NOUN
fsr-3203	90	18	to	to	PART
fsr-3203	90	19	replace	replace	VERB
fsr-3203	90	20	living	live	VERB
fsr-3203	90	21	expenditures	expenditure	NOUN
fsr-3203	90	22	would	would	AUX
fsr-3203	90	23	also	also	ADV
fsr-3203	90	24	be	be	AUX
fsr-3203	90	25	decreasing	decrease	VERB
fsr-3203	90	26	.	.	PUNCT
fsr-3203	91	1	because	because	SCONJ
fsr-3203	91	2	the	the	DET
fsr-3203	91	3	value	value	NOUN
fsr-3203	91	4	of	of	ADP
fsr-3203	91	5	human	human	ADJ
fsr-3203	91	6	capital	capital	NOUN
fsr-3203	91	7	decreases	decrease	NOUN
fsr-3203	91	8	and	and	CCONJ
fsr-3203	91	9	the	the	DET
fsr-3203	91	10	cost	cost	NOUN
fsr-3203	91	11	of	of	ADP
fsr-3203	91	12	insurance	insurance	NOUN
fsr-3203	91	13	rises	rise	NOUN
fsr-3203	91	14	,	,	PUNCT
fsr-3203	91	15	it	it	PRON
fsr-3203	91	16	follows	follow	VERB
fsr-3203	91	17	that	that	SCONJ
fsr-3203	91	18	there	there	PRON
fsr-3203	91	19	should	should	AUX
fsr-3203	91	20	be	be	AUX
fsr-3203	91	21	a	a	DET
fsr-3203	91	22	decrease	decrease	NOUN
fsr-3203	91	23	in	in	ADP
fsr-3203	91	24	life	life	NOUN
fsr-3203	91	25	insurance	insurance	NOUN
fsr-3203	91	26	coverage	coverage	NOUN
fsr-3203	91	27	(	(	PUNCT
fsr-3203	91	28	campbell	campbell	PROPN
fsr-3203	91	29	,	,	PUNCT
fsr-3203	91	30	1980	1980	NUM
fsr-3203	91	31	)	)	PUNCT
fsr-3203	91	32	.	.	PUNCT
fsr-3203	92	1	alternatively	alternatively	ADV
fsr-3203	92	2	,	,	PUNCT
fsr-3203	92	3	an	an	DET
fsr-3203	92	4	increase	increase	NOUN
fsr-3203	92	5	in	in	ADP
fsr-3203	92	6	mortality	mortality	NOUN
fsr-3203	92	7	risk	risk	NOUN
fsr-3203	92	8	(	(	PUNCT
fsr-3203	92	9	and	and	CCONJ
fsr-3203	92	10	poor	poor	ADJ
fsr-3203	92	11	health	health	NOUN
fsr-3203	92	12	)	)	PUNCT
fsr-3203	92	13	can	can	AUX
fsr-3203	92	14	necessitate	necessitate	VERB
fsr-3203	92	15	greater	great	ADJ
fsr-3203	92	16	insurance	insurance	NOUN
fsr-3203	92	17	holdings	holding	NOUN
fsr-3203	92	18	,	,	PUNCT
fsr-3203	92	19	depending	depend	VERB
fsr-3203	92	20	on	on	ADP
fsr-3203	92	21	household	household	NOUN
fsr-3203	92	22	preferences	preference	NOUN
fsr-3203	92	23	(	(	PUNCT
fsr-3203	92	24	finke	finke	PROPN
fsr-3203	92	25	,	,	PUNCT
fsr-3203	92	26	huston	huston	PROPN
fsr-3203	92	27	,	,	PUNCT
fsr-3203	92	28	and	and	CCONJ
fsr-3203	92	29	waller	waller	PROPN
fsr-3203	92	30	,	,	PUNCT
fsr-3203	92	31	2009	2009	NUM
fsr-3203	92	32	)	)	PUNCT
fsr-3203	92	33	.	.	PUNCT
fsr-3203	93	1	for	for	ADP
fsr-3203	93	2	example	example	NOUN
fsr-3203	93	3	,	,	PUNCT
fsr-3203	93	4	older	old	ADJ
fsr-3203	93	5	households	household	NOUN
fsr-3203	93	6	,	,	PUNCT
fsr-3203	93	7	such	such	ADJ
fsr-3203	93	8	as	as	ADP
fsr-3203	93	9	the	the	DET
fsr-3203	93	10	baby	baby	NOUN
fsr-3203	93	11	boomers	boomer	NOUN
fsr-3203	93	12	may	may	AUX
fsr-3203	93	13	hold	hold	VERB
fsr-3203	93	14	life	life	NOUN
fsr-3203	93	15	insurance	insurance	NOUN
fsr-3203	93	16	because	because	SCONJ
fsr-3203	93	17	of	of	ADP
fsr-3203	93	18	bequest	bequest	NOUN
fsr-3203	93	19	motives	motive	NOUN
fsr-3203	93	20	or	or	CCONJ
fsr-3203	93	21	estate	estate	NOUN
fsr-3203	93	22	planning	planning	NOUN
fsr-3203	93	23	reasons	reason	NOUN
fsr-3203	93	24	(	(	PUNCT
fsr-3203	93	25	baek	baek	NOUN
fsr-3203	93	26	and	and	CCONJ
fsr-3203	93	27	devaney	devaney	PROPN
fsr-3203	93	28	,	,	PUNCT
fsr-3203	93	29	2005	2005	NUM
fsr-3203	93	30	)	)	PUNCT
fsr-3203	93	31	.	.	PUNCT
fsr-3203	94	1	given	give	VERB
fsr-3203	94	2	that	that	SCONJ
fsr-3203	94	3	prior	prior	ADJ
fsr-3203	94	4	studies	study	NOUN
fsr-3203	94	5	find	find	VERB
fsr-3203	94	6	that	that	SCONJ
fsr-3203	94	7	households	household	NOUN
fsr-3203	94	8	fail	fail	VERB
fsr-3203	94	9	to	to	PART
fsr-3203	94	10	adjust	adjust	VERB
fsr-3203	94	11	life	life	NOUN
fsr-3203	94	12	insurance	insurance	NOUN
fsr-3203	94	13	coverage	coverage	NOUN
fsr-3203	94	14	after	after	ADP
fsr-3203	94	15	initial	initial	ADJ
fsr-3203	94	16	purchase	purchase	NOUN
fsr-3203	94	17	,	,	PUNCT
fsr-3203	94	18	we	we	PRON
fsr-3203	94	19	expect	expect	VERB
fsr-3203	94	20	no	no	DET
fsr-3203	94	21	difference	difference	NOUN
fsr-3203	94	22	between	between	ADP
fsr-3203	94	23	baby	baby	NOUN
fsr-3203	94	24	boomers	boomer	NOUN
fsr-3203	94	25	and	and	CCONJ
fsr-3203	94	26	the	the	DET
fsr-3203	94	27	senior	senior	ADJ
fsr-3203	94	28	generation	generation	NOUN
fsr-3203	94	29	in	in	ADP
fsr-3203	94	30	life	life	NOUN
fsr-3203	94	31	insurance	insurance	NOUN
fsr-3203	94	32	adequacy	adequacy	NOUN
fsr-3203	94	33	pre	pre	VERB
fsr-3203	94	34	and	and	CCONJ
fsr-3203	94	35	post	post	VERB
fsr-3203	94	36	the	the	DET
fsr-3203	94	37	2008	2008	NUM
fsr-3203	94	38	financial	financial	ADJ
fsr-3203	94	39	crisis	crisis	NOUN
fsr-3203	94	40	.	.	PUNCT
fsr-3203	95	1	2.2.2	2.2.2	X
fsr-3203	95	2	.	.	PUNCT
fsr-3203	95	3	financial	financial	ADJ
fsr-3203	95	4	professional	professional	NOUN
fsr-3203	95	5	the	the	DET
fsr-3203	95	6	inclusion	inclusion	NOUN
fsr-3203	95	7	of	of	ADP
fsr-3203	95	8	a	a	DET
fsr-3203	95	9	financial	financial	ADJ
fsr-3203	95	10	planner	planner	NOUN
fsr-3203	95	11	,	,	PUNCT
fsr-3203	95	12	accountant	accountant	NOUN
fsr-3203	95	13	,	,	PUNCT
fsr-3203	95	14	broker	broker	NOUN
fsr-3203	95	15	,	,	PUNCT
fsr-3203	95	16	and	and	CCONJ
fsr-3203	95	17	banker	banker	NOUN
fsr-3203	95	18	in	in	ADP
fsr-3203	95	19	the	the	DET
fsr-3203	95	20	descriptive	descriptive	ADJ
fsr-3203	95	21	analysis	analysis	NOUN
fsr-3203	95	22	is	be	AUX
fsr-3203	95	23	pertinent	pertinent	ADJ
fsr-3203	95	24	because	because	SCONJ
fsr-3203	95	25	these	these	DET
fsr-3203	95	26	professionals	professional	NOUN
fsr-3203	95	27	may	may	AUX
fsr-3203	95	28	at	at	ADP
fsr-3203	95	29	some	some	DET
fsr-3203	95	30	point	point	NOUN
fsr-3203	95	31	dispense	dispense	VERB
fsr-3203	95	32	life	life	NOUN
fsr-3203	95	33	insurance	insurance	NOUN
fsr-3203	95	34	advice	advice	NOUN
fsr-3203	95	35	(	(	PUNCT
fsr-3203	95	36	mulholland	mulholland	NOUN
fsr-3203	95	37	,	,	PUNCT
fsr-3203	95	38	finke	finke	PROPN
fsr-3203	95	39	,	,	PUNCT
fsr-3203	95	40	and	and	CCONJ
fsr-3203	95	41	huston	huston	PROPN
fsr-3203	95	42	,	,	PUNCT
fsr-3203	95	43	2012	2012	NUM
fsr-3203	95	44	)	)	PUNCT
fsr-3203	95	45	.	.	PUNCT
fsr-3203	96	1	although	although	SCONJ
fsr-3203	96	2	the	the	DET
fsr-3203	96	3	definition	definition	NOUN
fsr-3203	96	4	of	of	ADP
fsr-3203	96	5	a	a	DET
fsr-3203	96	6	financial	financial	ADJ
fsr-3203	96	7	planner	planner	NOUN
fsr-3203	96	8	in	in	ADP
fsr-3203	96	9	the	the	DET
fsr-3203	96	10	survey	survey	NOUN
fsr-3203	96	11	of	of	ADP
fsr-3203	96	12	consumer	consumer	NOUN
fsr-3203	96	13	finances	finance	NOUN
fsr-3203	96	14	is	be	AUX
fsr-3203	96	15	not	not	PART
fsr-3203	96	16	particularly	particularly	ADV
fsr-3203	96	17	clear	clear	ADJ
fsr-3203	96	18	,	,	PUNCT
fsr-3203	96	19	as	as	SCONJ
fsr-3203	96	20	it	it	PRON
fsr-3203	96	21	does	do	AUX
fsr-3203	96	22	not	not	PART
fsr-3203	96	23	distinguish	distinguish	VERB
fsr-3203	96	24	between	between	ADP
fsr-3203	96	25	financial	financial	ADJ
fsr-3203	96	26	professionals	professional	NOUN
fsr-3203	96	27	who	who	PRON
fsr-3203	96	28	present	present	VERB
fsr-3203	96	29	themselves	themselves	PRON
fsr-3203	96	30	as	as	ADP
fsr-3203	96	31	advisors	advisor	NOUN
fsr-3203	96	32	with	with	ADP
fsr-3203	96	33	or	or	CCONJ
fsr-3203	96	34	without	without	ADP
fsr-3203	96	35	a	a	DET
fsr-3203	96	36	cfp	cfp	NOUN
fsr-3203	96	37	designation	designation	NOUN
fsr-3203	96	38	,	,	PUNCT
fsr-3203	96	39	it	it	PRON
fsr-3203	96	40	is	be	AUX
fsr-3203	96	41	interesting	interesting	ADJ
fsr-3203	96	42	to	to	PART
fsr-3203	96	43	see	see	VERB
fsr-3203	96	44	how	how	SCONJ
fsr-3203	96	45	a	a	DET
fsr-3203	96	46	financial	financial	ADJ
fsr-3203	96	47	planner	planner	NOUN
fsr-3203	96	48	compares	compare	VERB
fsr-3203	96	49	with	with	ADP
fsr-3203	96	50	the	the	DET
fsr-3203	96	51	other	other	ADJ
fsr-3203	96	52	previously	previously	ADV
fsr-3203	96	53	listed	list	VERB
fsr-3203	96	54	professionals	professional	NOUN
fsr-3203	96	55	.	.	PUNCT
fsr-3203	97	1	based	base	VERB
fsr-3203	97	2	on	on	ADP
fsr-3203	97	3	the	the	DET
fsr-3203	97	4	findings	finding	NOUN
fsr-3203	97	5	of	of	ADP
fsr-3203	97	6	finke	finke	PROPN
fsr-3203	97	7	,	,	PUNCT
fsr-3203	97	8	huston	huston	PROPN
fsr-3203	97	9	,	,	PUNCT
fsr-3203	97	10	and	and	CCONJ
fsr-3203	97	11	waller	waller	PROPN
fsr-3203	97	12	(	(	PUNCT
fsr-3203	97	13	2009	2009	NUM
fsr-3203	97	14	)	)	PUNCT
fsr-3203	97	15	and	and	CCONJ
fsr-3203	97	16	scott	scott	PROPN
fsr-3203	97	17	and	and	CCONJ
fsr-3203	97	18	finke	finke	PROPN
fsr-3203	97	19	(	(	PUNCT
fsr-3203	97	20	2013	2013	NUM
fsr-3203	97	21	)	)	PUNCT
fsr-3203	97	22	,	,	PUNCT
fsr-3203	97	23	we	we	PRON
fsr-3203	97	24	expect	expect	VERB
fsr-3203	97	25	a	a	DET
fsr-3203	97	26	positive	positive	ADJ
fsr-3203	97	27	relation	relation	NOUN
fsr-3203	97	28	between	between	ADP
fsr-3203	97	29	the	the	DET
fsr-3203	97	30	use	use	NOUN
fsr-3203	97	31	of	of	ADP
fsr-3203	97	32	a	a	DET
fsr-3203	97	33	financial	financial	ADJ
fsr-3203	97	34	planner	planner	NOUN
fsr-3203	97	35	(	(	PUNCT
fsr-3203	97	36	compared	compare	VERB
fsr-3203	97	37	with	with	ADP
fsr-3203	97	38	using	use	VERB
fsr-3203	97	39	a	a	DET
fsr-3203	97	40	non	non	ADJ
fsr-3203	97	41	-	-	ADJ
fsr-3203	97	42	financial	financial	ADJ
fsr-3203	97	43	planner	planner	NOUN
fsr-3203	97	44	professional	professional	NOUN
fsr-3203	97	45	)	)	PUNCT
fsr-3203	97	46	on	on	ADP
fsr-3203	97	47	life	life	NOUN
fsr-3203	97	48	insurance	insurance	NOUN
fsr-3203	97	49	adequacy	adequacy	NOUN
fsr-3203	97	50	.	.	PUNCT
fsr-3203	98	1	2.2.3	2.2.3	X
fsr-3203	98	2	.	.	PUNCT
fsr-3203	99	1	education	education	NOUN
fsr-3203	99	2	education	education	NOUN
fsr-3203	99	3	also	also	ADV
fsr-3203	99	4	has	have	VERB
fsr-3203	99	5	varied	varied	ADJ
fsr-3203	99	6	results	result	NOUN
fsr-3203	99	7	from	from	ADP
fsr-3203	99	8	prior	prior	ADJ
fsr-3203	99	9	studies	study	NOUN
fsr-3203	99	10	,	,	PUNCT
fsr-3203	99	11	demonstrating	demonstrate	VERB
fsr-3203	99	12	both	both	CCONJ
fsr-3203	99	13	positive	positive	ADJ
fsr-3203	99	14	and	and	CCONJ
fsr-3203	99	15	negative	negative	ADJ
fsr-3203	99	16	associations	association	NOUN
fsr-3203	99	17	with	with	ADP
fsr-3203	99	18	life	life	NOUN
fsr-3203	99	19	insurance	insurance	NOUN
fsr-3203	99	20	demand	demand	NOUN
fsr-3203	99	21	(	(	PUNCT
fsr-3203	99	22	zietz	zietz	NOUN
fsr-3203	99	23	,	,	PUNCT
fsr-3203	99	24	2003	2003	NUM
fsr-3203	99	25	)	)	PUNCT
fsr-3203	99	26	.	.	PUNCT
fsr-3203	100	1	however	however	ADV
fsr-3203	100	2	,	,	PUNCT
fsr-3203	100	3	stemming	stem	VERB
fsr-3203	100	4	from	from	ADP
fsr-3203	100	5	human	human	ADJ
fsr-3203	100	6	capital	capital	NOUN
fsr-3203	100	7	theory	theory	NOUN
fsr-3203	100	8	,	,	PUNCT
fsr-3203	100	9	households	household	NOUN
fsr-3203	100	10	with	with	ADP
fsr-3203	100	11	more	more	ADJ
fsr-3203	100	12	education	education	NOUN
fsr-3203	100	13	should	should	AUX
fsr-3203	100	14	have	have	VERB
fsr-3203	100	15	greater	great	ADJ
fsr-3203	100	16	protection	protection	NOUN
fsr-3203	100	17	because	because	SCONJ
fsr-3203	100	18	of	of	ADP
fsr-3203	100	19	a	a	DET
fsr-3203	100	20	steeper	steeper	ADV
fsr-3203	100	21	earning	earning	NOUN
fsr-3203	100	22	capacity	capacity	NOUN
fsr-3203	100	23	(	(	PUNCT
fsr-3203	100	24	bryant	bryant	PROPN
fsr-3203	100	25	and	and	CCONJ
fsr-3203	100	26	zick	zick	PROPN
fsr-3203	100	27	,	,	PUNCT
fsr-3203	100	28	2006	2006	NUM
fsr-3203	100	29	)	)	PUNCT
fsr-3203	100	30	.	.	PUNCT
fsr-3203	101	1	they	they	PRON
fsr-3203	101	2	should	should	AUX
fsr-3203	101	3	also	also	ADV
fsr-3203	101	4	be	be	AUX
fsr-3203	101	5	better	well	ADV
fsr-3203	101	6	able	able	ADJ
fsr-3203	101	7	to	to	PART
fsr-3203	101	8	make	make	VERB
fsr-3203	101	9	optimal	optimal	ADJ
fsr-3203	101	10	insurance	insurance	NOUN
fsr-3203	101	11	decisions	decision	NOUN
fsr-3203	101	12	than	than	ADP
fsr-3203	101	13	those	those	PRON
fsr-3203	101	14	with	with	ADP
fsr-3203	101	15	less	less	ADJ
fsr-3203	101	16	education	education	NOUN
fsr-3203	101	17	or	or	CCONJ
fsr-3203	101	18	utilize	utilize	VERB
fsr-3203	101	19	a	a	DET
fsr-3203	101	20	financial	financial	ADJ
fsr-3203	101	21	service	service	NOUN
fsr-3203	101	22	professional	professional	ADJ
fsr-3203	101	23	to	to	PART
fsr-3203	101	24	meet	meet	VERB
fsr-3203	101	25	insurance	insurance	NOUN
fsr-3203	101	26	needs	need	NOUN
fsr-3203	101	27	.	.	PUNCT
fsr-3203	102	1	therefore	therefore	ADV
fsr-3203	102	2	,	,	PUNCT
fsr-3203	102	3	we	we	PRON
fsr-3203	102	4	expect	expect	VERB
fsr-3203	102	5	a	a	DET
fsr-3203	102	6	positive	positive	ADJ
fsr-3203	102	7	association	association	NOUN
fsr-3203	102	8	between	between	ADP
fsr-3203	102	9	education	education	NOUN
fsr-3203	102	10	and	and	CCONJ
fsr-3203	102	11	life	life	NOUN
fsr-3203	102	12	insurance	insurance	NOUN
fsr-3203	102	13	adequacy	adequacy	NOUN
fsr-3203	102	14	.	.	PUNCT
fsr-3203	103	1	2.2.4	2.2.4	NUM
fsr-3203	103	2	.	.	PUNCT
fsr-3203	103	3	marital	marital	ADJ
fsr-3203	103	4	status	status	NOUN
fsr-3203	103	5	previous	previous	ADJ
fsr-3203	103	6	literature	literature	NOUN
fsr-3203	103	7	reports	report	VERB
fsr-3203	103	8	positive	positive	ADJ
fsr-3203	103	9	and	and	CCONJ
fsr-3203	103	10	negative	negative	ADJ
fsr-3203	103	11	as	as	ADV
fsr-3203	103	12	well	well	ADV
fsr-3203	103	13	as	as	ADP
fsr-3203	103	14	non	non	ADJ
fsr-3203	103	15	-	-	ADJ
fsr-3203	103	16	significant	significant	ADJ
fsr-3203	103	17	findings	finding	NOUN
fsr-3203	103	18	between	between	ADP
fsr-3203	103	19	marital	marital	ADJ
fsr-3203	103	20	status	status	NOUN
fsr-3203	103	21	and	and	CCONJ
fsr-3203	103	22	life	life	NOUN
fsr-3203	103	23	insurance	insurance	NOUN
fsr-3203	103	24	demand	demand	NOUN
fsr-3203	103	25	(	(	PUNCT
fsr-3203	103	26	zietz	zietz	NOUN
fsr-3203	103	27	,	,	PUNCT
fsr-3203	103	28	2003	2003	NUM
fsr-3203	103	29	)	)	PUNCT
fsr-3203	103	30	.	.	PUNCT
fsr-3203	104	1	because	because	SCONJ
fsr-3203	104	2	married	married	ADJ
fsr-3203	104	3	households	household	NOUN
fsr-3203	104	4	possess	possess	VERB
fsr-3203	104	5	the	the	DET
fsr-3203	104	6	advantage	advantage	NOUN
fsr-3203	104	7	of	of	ADP
fsr-3203	104	8	pooling	pool	VERB
fsr-3203	104	9	resources	resource	NOUN
fsr-3203	104	10	as	as	ADV
fsr-3203	104	11	well	well	ADV
fsr-3203	104	12	as	as	ADP
fsr-3203	104	13	exhibiting	exhibit	VERB
fsr-3203	104	14	greater	great	ADJ
fsr-3203	104	15	needs	need	NOUN
fsr-3203	104	16	for	for	ADP
fsr-3203	104	17	insurance	insurance	NOUN
fsr-3203	104	18	than	than	ADP
fsr-3203	104	19	single	single	ADJ
fsr-3203	104	20	households	household	NOUN
fsr-3203	104	21	,	,	PUNCT
fsr-3203	104	22	we	we	PRON
fsr-3203	104	23	expect	expect	VERB
fsr-3203	104	24	a	a	DET
fsr-3203	104	25	positive	positive	ADJ
fsr-3203	104	26	effect	effect	NOUN
fsr-3203	104	27	on	on	ADP
fsr-3203	104	28	life	life	NOUN
fsr-3203	104	29	insurance	insurance	NOUN
fsr-3203	104	30	adequacy	adequacy	NOUN
fsr-3203	104	31	.	.	PUNCT
fsr-3203	105	1	291j.k	291j.k	NUM
fsr-3203	105	2	.	.	PUNCT
fsr-3203	106	1	scott	scott	PROPN
fsr-3203	106	2	,	,	PUNCT
fsr-3203	106	3	j.	j.	PROPN
fsr-3203	106	4	gilliam	gilliam	PROPN
fsr-3203	106	5	/	/	SYM
fsr-3203	106	6	financial	financial	PROPN
fsr-3203	106	7	services	service	NOUN
fsr-3203	106	8	review	review	VERB
fsr-3203	106	9	23	23	NUM
fsr-3203	106	10	(	(	PUNCT
fsr-3203	106	11	2014	2014	NUM
fsr-3203	106	12	)	)	PUNCT
fsr-3203	107	1	287–304	287–304	NUM
fsr-3203	107	2	2.2.5	2.2.5	NUM
fsr-3203	107	3	.	.	PUNCT
fsr-3203	108	1	race	race	NOUN
fsr-3203	108	2	ethnic	ethnic	ADJ
fsr-3203	108	3	group	group	NOUN
fsr-3203	108	4	differences	difference	NOUN
fsr-3203	108	5	also	also	ADV
fsr-3203	108	6	play	play	VERB
fsr-3203	108	7	a	a	DET
fsr-3203	108	8	role	role	NOUN
fsr-3203	108	9	in	in	ADP
fsr-3203	108	10	life	life	NOUN
fsr-3203	108	11	insurance	insurance	NOUN
fsr-3203	108	12	ownership	ownership	NOUN
fsr-3203	108	13	.	.	PUNCT
fsr-3203	109	1	table	table	NOUN
fsr-3203	109	2	1	1	NUM
fsr-3203	109	3	shows	show	VERB
fsr-3203	109	4	differences	difference	NOUN
fsr-3203	109	5	between	between	ADP
fsr-3203	109	6	blacks	black	NOUN
fsr-3203	109	7	,	,	PUNCT
fsr-3203	109	8	hispanics	hispanic	NOUN
fsr-3203	109	9	,	,	PUNCT
fsr-3203	109	10	and	and	CCONJ
fsr-3203	109	11	whites	white	NOUN
fsr-3203	109	12	when	when	SCONJ
fsr-3203	109	13	compared	compare	VERB
fsr-3203	109	14	with	with	ADP
fsr-3203	109	15	each	each	DET
fsr-3203	109	16	other	other	ADJ
fsr-3203	109	17	.	.	PUNCT
fsr-3203	110	1	these	these	DET
fsr-3203	110	2	differences	difference	NOUN
fsr-3203	110	3	are	be	AUX
fsr-3203	110	4	key	key	ADJ
fsr-3203	110	5	in	in	ADP
fsr-3203	110	6	pinpointing	pinpoint	VERB
fsr-3203	110	7	specific	specific	ADJ
fsr-3203	110	8	strategies	strategy	NOUN
fsr-3203	110	9	for	for	ADP
fsr-3203	110	10	each	each	DET
fsr-3203	110	11	group	group	NOUN
fsr-3203	110	12	,	,	PUNCT
fsr-3203	110	13	considering	consider	VERB
fsr-3203	110	14	their	their	PRON
fsr-3203	110	15	preferences	preference	NOUN
fsr-3203	110	16	and	and	CCONJ
fsr-3203	110	17	goals	goal	NOUN
fsr-3203	110	18	for	for	ADP
fsr-3203	110	19	life	life	NOUN
fsr-3203	110	20	insurance	insurance	NOUN
fsr-3203	110	21	.	.	PUNCT
fsr-3203	111	1	for	for	ADP
fsr-3203	111	2	example	example	NOUN
fsr-3203	111	3	,	,	PUNCT
fsr-3203	111	4	blacks	black	NOUN
fsr-3203	111	5	have	have	VERB
fsr-3203	111	6	an	an	DET
fsr-3203	111	7	overall	overall	ADJ
fsr-3203	111	8	preference	preference	NOUN
fsr-3203	111	9	for	for	ADP
fsr-3203	111	10	life	life	NOUN
fsr-3203	111	11	insurance	insurance	NOUN
fsr-3203	111	12	compared	compare	VERB
fsr-3203	111	13	with	with	ADP
fsr-3203	111	14	hispanics	hispanic	NOUN
fsr-3203	111	15	and	and	CCONJ
fsr-3203	111	16	whites	white	NOUN
fsr-3203	111	17	.	.	PUNCT
fsr-3203	112	1	they	they	PRON
fsr-3203	112	2	are	be	AUX
fsr-3203	112	3	more	more	ADV
fsr-3203	112	4	likely	likely	ADJ
fsr-3203	112	5	to	to	PART
fsr-3203	112	6	consider	consider	VERB
fsr-3203	112	7	burdening	burden	VERB
fsr-3203	112	8	family	family	NOUN
fsr-3203	112	9	members	member	NOUN
fsr-3203	112	10	as	as	ADP
fsr-3203	112	11	a	a	DET
fsr-3203	112	12	top	top	ADJ
fsr-3203	112	13	reason	reason	NOUN
fsr-3203	112	14	for	for	ADP
fsr-3203	112	15	purchase	purchase	NOUN
fsr-3203	112	16	.	.	PUNCT
fsr-3203	113	1	blacks	black	NOUN
fsr-3203	113	2	and	and	CCONJ
fsr-3203	113	3	whites	white	NOUN
fsr-3203	113	4	will	will	AUX
fsr-3203	113	5	use	use	VERB
fsr-3203	113	6	life	life	NOUN
fsr-3203	113	7	insurance	insurance	NOUN
fsr-3203	113	8	to	to	PART
fsr-3203	113	9	cover	cover	VERB
fsr-3203	113	10	funeral	funeral	NOUN
fsr-3203	113	11	expenses	expense	NOUN
fsr-3203	113	12	more	more	ADJ
fsr-3203	113	13	than	than	ADP
fsr-3203	113	14	hispanics	hispanic	NOUN
fsr-3203	113	15	,	,	PUNCT
fsr-3203	113	16	who	who	PRON
fsr-3203	113	17	will	will	AUX
fsr-3203	113	18	use	use	VERB
fsr-3203	113	19	insurance	insurance	NOUN
fsr-3203	113	20	to	to	PART
fsr-3203	113	21	fund	fund	VERB
fsr-3203	113	22	education	education	NOUN
fsr-3203	113	23	needs	need	NOUN
fsr-3203	113	24	(	(	PUNCT
fsr-3203	113	25	mitchel	mitchel	PROPN
fsr-3203	113	26	,	,	PUNCT
fsr-3203	113	27	2011	2011	NUM
fsr-3203	113	28	)	)	PUNCT
fsr-3203	113	29	.	.	PUNCT
fsr-3203	114	1	though	though	SCONJ
fsr-3203	114	2	race	race	NOUN
fsr-3203	114	3	has	have	AUX
fsr-3203	114	4	been	be	AUX
fsr-3203	114	5	significantly	significantly	ADV
fsr-3203	114	6	related	relate	VERB
fsr-3203	114	7	to	to	ADP
fsr-3203	114	8	the	the	DET
fsr-3203	114	9	findings	finding	NOUN
fsr-3203	114	10	in	in	ADP
fsr-3203	114	11	past	past	ADJ
fsr-3203	114	12	studies	study	NOUN
fsr-3203	114	13	,	,	PUNCT
fsr-3203	114	14	we	we	PRON
fsr-3203	114	15	do	do	AUX
fsr-3203	114	16	not	not	PART
fsr-3203	114	17	expect	expect	VERB
fsr-3203	114	18	any	any	DET
fsr-3203	114	19	differences	difference	NOUN
fsr-3203	114	20	among	among	ADP
fsr-3203	114	21	racial	racial	ADJ
fsr-3203	114	22	classes	class	NOUN
fsr-3203	114	23	when	when	SCONJ
fsr-3203	114	24	examining	examine	VERB
fsr-3203	114	25	adequacy	adequacy	NOUN
fsr-3203	114	26	.	.	PUNCT
fsr-3203	115	1	2.2.6	2.2.6	NUM
fsr-3203	115	2	.	.	PUNCT
fsr-3203	115	3	risk	risk	NOUN
fsr-3203	115	4	tolerance	tolerance	NOUN
fsr-3203	115	5	as	as	ADP
fsr-3203	115	6	risk	risk	NOUN
fsr-3203	115	7	aversion	aversion	NOUN
fsr-3203	115	8	increases	increase	NOUN
fsr-3203	115	9	,	,	PUNCT
fsr-3203	115	10	a	a	DET
fsr-3203	115	11	household	household	NOUN
fsr-3203	115	12	should	should	AUX
fsr-3203	115	13	possess	possess	VERB
fsr-3203	115	14	greater	great	ADJ
fsr-3203	115	15	amounts	amount	NOUN
fsr-3203	115	16	of	of	ADP
fsr-3203	115	17	life	life	NOUN
fsr-3203	115	18	insurance	insurance	NOUN
fsr-3203	115	19	(	(	PUNCT
fsr-3203	115	20	ibbotson	ibbotson	PROPN
fsr-3203	115	21	et	et	PROPN
fsr-3203	115	22	al	al	PROPN
fsr-3203	115	23	.	.	PROPN
fsr-3203	115	24	,	,	PUNCT
fsr-3203	115	25	2007	2007	NUM
fsr-3203	115	26	)	)	PUNCT
fsr-3203	115	27	.	.	PUNCT
fsr-3203	116	1	households	household	NOUN
fsr-3203	116	2	who	who	PRON
fsr-3203	116	3	are	be	AUX
fsr-3203	116	4	substantial	substantial	ADJ
fsr-3203	116	5	risk	risk	NOUN
fsr-3203	116	6	takers	taker	NOUN
fsr-3203	116	7	display	display	VERB
fsr-3203	116	8	a	a	DET
fsr-3203	116	9	preference	preference	NOUN
fsr-3203	116	10	for	for	ADP
fsr-3203	116	11	risk	risk	NOUN
fsr-3203	116	12	seeking	seek	VERB
fsr-3203	116	13	behavior	behavior	NOUN
fsr-3203	116	14	;	;	PUNCT
fsr-3203	116	15	the	the	DET
fsr-3203	116	16	risk	risk	NOUN
fsr-3203	116	17	tolerance	tolerance	NOUN
fsr-3203	116	18	question	question	NOUN
fsr-3203	116	19	used	use	VERB
fsr-3203	116	20	in	in	ADP
fsr-3203	116	21	the	the	DET
fsr-3203	116	22	survey	survey	NOUN
fsr-3203	116	23	is	be	AUX
fsr-3203	116	24	limited	limit	VERB
fsr-3203	116	25	and	and	CCONJ
fsr-3203	116	26	may	may	AUX
fsr-3203	116	27	not	not	PART
fsr-3203	116	28	fully	fully	ADV
fsr-3203	116	29	reflect	reflect	VERB
fsr-3203	116	30	risk	risk	NOUN
fsr-3203	116	31	tolerance	tolerance	NOUN
fsr-3203	116	32	.	.	PUNCT
fsr-3203	117	1	therefore	therefore	ADV
fsr-3203	117	2	,	,	PUNCT
fsr-3203	117	3	we	we	PRON
fsr-3203	117	4	do	do	AUX
fsr-3203	117	5	not	not	PART
fsr-3203	117	6	expect	expect	VERB
fsr-3203	117	7	a	a	DET
fsr-3203	117	8	significant	significant	ADJ
fsr-3203	117	9	relation	relation	NOUN
fsr-3203	117	10	between	between	ADP
fsr-3203	117	11	risk	risk	NOUN
fsr-3203	117	12	tolerance	tolerance	NOUN
fsr-3203	117	13	and	and	CCONJ
fsr-3203	117	14	life	life	NOUN
fsr-3203	117	15	insurance	insurance	NOUN
fsr-3203	117	16	adequacy	adequacy	NOUN
fsr-3203	117	17	.	.	PUNCT
fsr-3203	118	1	2.2.7	2.2.7	X
fsr-3203	118	2	.	.	PUNCT
fsr-3203	119	1	self	self	NOUN
fsr-3203	119	2	-	-	PUNCT
fsr-3203	119	3	employment	employment	NOUN
fsr-3203	119	4	given	give	VERB
fsr-3203	119	5	the	the	DET
fsr-3203	119	6	volatility	volatility	NOUN
fsr-3203	119	7	of	of	ADP
fsr-3203	119	8	earnings	earning	NOUN
fsr-3203	119	9	within	within	ADP
fsr-3203	119	10	self	self	NOUN
fsr-3203	119	11	-	-	PUNCT
fsr-3203	119	12	employed	employ	VERB
fsr-3203	119	13	households	household	NOUN
fsr-3203	119	14	,	,	PUNCT
fsr-3203	119	15	there	there	PRON
fsr-3203	119	16	should	should	AUX
fsr-3203	119	17	be	be	AUX
fsr-3203	119	18	greater	great	ADJ
fsr-3203	119	19	life	life	NOUN
fsr-3203	119	20	insurance	insurance	NOUN
fsr-3203	119	21	coverage	coverage	NOUN
fsr-3203	119	22	than	than	ADP
fsr-3203	119	23	for	for	ADP
fsr-3203	119	24	households	household	NOUN
fsr-3203	119	25	who	who	PRON
fsr-3203	119	26	are	be	AUX
fsr-3203	119	27	not	not	PART
fsr-3203	119	28	self	self	NOUN
fsr-3203	119	29	-	-	PUNCT
fsr-3203	119	30	employed	employ	VERB
fsr-3203	119	31	.	.	PUNCT
fsr-3203	120	1	from	from	ADP
fsr-3203	120	2	a	a	DET
fsr-3203	120	3	human	human	ADJ
fsr-3203	120	4	capital	capital	NOUN
fsr-3203	120	5	standpoint	standpoint	NOUN
fsr-3203	120	6	,	,	PUNCT
fsr-3203	120	7	greater	great	ADJ
fsr-3203	120	8	life	life	NOUN
fsr-3203	120	9	insurance	insurance	NOUN
fsr-3203	120	10	adequacy	adequacy	NOUN
fsr-3203	120	11	may	may	AUX
fsr-3203	120	12	be	be	AUX
fsr-3203	120	13	warranted	warrant	VERB
fsr-3203	120	14	for	for	ADP
fsr-3203	120	15	self	self	NOUN
fsr-3203	120	16	-	-	PUNCT
fsr-3203	120	17	employed	employ	VERB
fsr-3203	120	18	households	household	NOUN
fsr-3203	120	19	.	.	PUNCT
fsr-3203	121	1	2.2.8	2.2.8	NUM
fsr-3203	121	2	.	.	PUNCT
fsr-3203	122	1	net	net	ADJ
fsr-3203	122	2	worth	worth	ADJ
fsr-3203	122	3	net	net	ADJ
fsr-3203	122	4	worth	worth	NOUN
fsr-3203	122	5	and	and	CCONJ
fsr-3203	122	6	life	life	NOUN
fsr-3203	122	7	insurance	insurance	NOUN
fsr-3203	122	8	demand	demand	NOUN
fsr-3203	122	9	has	have	AUX
fsr-3203	122	10	been	be	AUX
fsr-3203	122	11	found	find	VERB
fsr-3203	122	12	to	to	PART
fsr-3203	122	13	be	be	AUX
fsr-3203	122	14	negatively	negatively	ADV
fsr-3203	122	15	related	relate	VERB
fsr-3203	122	16	(	(	PUNCT
fsr-3203	122	17	baek	baek	NOUN
fsr-3203	122	18	and	and	CCONJ
fsr-3203	122	19	devaney	devaney	PROPN
fsr-3203	122	20	,	,	PUNCT
fsr-3203	122	21	2005	2005	NUM
fsr-3203	122	22	)	)	PUNCT
fsr-3203	122	23	,	,	PUNCT
fsr-3203	122	24	as	as	SCONJ
fsr-3203	122	25	those	those	PRON
fsr-3203	122	26	with	with	ADP
fsr-3203	122	27	greater	great	ADJ
fsr-3203	122	28	net	net	ADJ
fsr-3203	122	29	worth	worth	NOUN
fsr-3203	122	30	may	may	AUX
fsr-3203	122	31	be	be	AUX
fsr-3203	122	32	able	able	ADJ
fsr-3203	122	33	to	to	PART
fsr-3203	122	34	self	self	NOUN
fsr-3203	122	35	-	-	PUNCT
fsr-3203	122	36	insure	insure	VERB
fsr-3203	122	37	or	or	CCONJ
fsr-3203	122	38	afford	afford	VERB
fsr-3203	122	39	an	an	DET
fsr-3203	122	40	unexpected	unexpected	ADJ
fsr-3203	122	41	shock	shock	NOUN
fsr-3203	122	42	to	to	ADP
fsr-3203	122	43	income	income	NOUN
fsr-3203	122	44	.	.	PUNCT
fsr-3203	123	1	table	table	NOUN
fsr-3203	123	2	1	1	NUM
fsr-3203	123	3	ethnic	ethnic	ADJ
fsr-3203	123	4	group	group	NOUN
fsr-3203	123	5	difference	difference	NOUN
fsr-3203	123	6	in	in	ADP
fsr-3203	123	7	life	life	NOUN
fsr-3203	123	8	insurance	insurance	NOUN
fsr-3203	123	9	ownership	ownership	NOUN
fsr-3203	123	10	*	*	PUNCT
fsr-3203	123	11	blacks	black	NOUN
fsr-3203	123	12	hispanics	hispanics	PROPN
fsr-3203	123	13	whites	white	VERB
fsr-3203	123	14	positive	positive	ADJ
fsr-3203	123	15	attitude	attitude	NOUN
fsr-3203	123	16	about	about	ADP
fsr-3203	123	17	li	li	PROPN
fsr-3203	123	18	1	1	NUM
fsr-3203	123	19	1	1	NUM
fsr-3203	123	20	1	1	NUM
fsr-3203	123	21	feel	feel	VERB
fsr-3203	123	22	agents	agent	NOUN
fsr-3203	123	23	/	/	SYM
fsr-3203	123	24	financial	financial	ADJ
fsr-3203	123	25	professionals	professional	NOUN
fsr-3203	123	26	are	be	AUX
fsr-3203	123	27	knowledgeable	knowledgeable	ADJ
fsr-3203	123	28	1	1	NUM
fsr-3203	123	29	2	2	NUM
fsr-3203	123	30	1	1	NUM
fsr-3203	123	31	have	have	VERB
fsr-3203	123	32	a	a	DET
fsr-3203	123	33	greater	great	ADJ
fsr-3203	123	34	concern	concern	NOUN
fsr-3203	123	35	about	about	ADP
fsr-3203	123	36	placing	place	VERB
fsr-3203	123	37	financial	financial	ADJ
fsr-3203	123	38	burden	burden	NOUN
fsr-3203	123	39	on	on	ADP
fsr-3203	123	40	others	other	NOUN
fsr-3203	123	41	1	1	NUM
fsr-3203	123	42	2	2	NUM
fsr-3203	123	43	2	2	NUM
fsr-3203	123	44	seek	seek	VERB
fsr-3203	123	45	to	to	PART
fsr-3203	123	46	understand	understand	VERB
fsr-3203	123	47	the	the	DET
fsr-3203	123	48	product	product	NOUN
fsr-3203	123	49	1	1	NUM
fsr-3203	123	50	1	1	NUM
fsr-3203	123	51	1	1	NUM
fsr-3203	123	52	prefer	prefer	VERB
fsr-3203	123	53	to	to	PART
fsr-3203	123	54	purchase	purchase	VERB
fsr-3203	123	55	at	at	ADP
fsr-3203	123	56	their	their	PRON
fsr-3203	123	57	workplace	workplace	NOUN
fsr-3203	123	58	2	2	NUM
fsr-3203	123	59	2	2	NUM
fsr-3203	123	60	2	2	NUM
fsr-3203	123	61	research	research	NOUN
fsr-3203	123	62	on	on	ADP
fsr-3203	123	63	the	the	DET
fsr-3203	123	64	internet	internet	NOUN
fsr-3203	123	65	1	1	NUM
fsr-3203	123	66	1	1	NUM
fsr-3203	123	67	1	1	NUM
fsr-3203	123	68	prefer	prefer	VERB
fsr-3203	123	69	to	to	PART
fsr-3203	123	70	purchase	purchase	VERB
fsr-3203	123	71	on	on	ADP
fsr-3203	123	72	the	the	DET
fsr-3203	123	73	internet	internet	NOUN
fsr-3203	123	74	2	2	NUM
fsr-3203	123	75	1	1	NUM
fsr-3203	123	76	2	2	NUM
fsr-3203	123	77	prefer	prefer	VERB
fsr-3203	123	78	to	to	PART
fsr-3203	123	79	purchase	purchase	VERB
fsr-3203	123	80	from	from	ADP
fsr-3203	123	81	agent	agent	NOUN
fsr-3203	123	82	/	/	SYM
fsr-3203	123	83	financial	financial	ADJ
fsr-3203	123	84	professional	professional	ADJ
fsr-3203	123	85	1	1	NUM
fsr-3203	123	86	2	2	NUM
fsr-3203	123	87	1	1	NUM
fsr-3203	123	88	*	*	PUNCT
fsr-3203	123	89	adopted	adopt	VERB
fsr-3203	123	90	from	from	ADP
fsr-3203	123	91	the	the	DET
fsr-3203	123	92	2011	2011	NUM
fsr-3203	123	93	insurance	insurance	NOUN
fsr-3203	123	94	barometer	barometer	NOUN
fsr-3203	123	95	study	study	NOUN
fsr-3203	123	96	.	.	PUNCT
fsr-3203	124	1	292	292	NUM
fsr-3203	124	2	j.k	j.k	PROPN
fsr-3203	124	3	.	.	PROPN
fsr-3203	124	4	scott	scott	PROPN
fsr-3203	124	5	,	,	PUNCT
fsr-3203	124	6	j.	j.	PROPN
fsr-3203	124	7	gilliam	gilliam	PROPN
fsr-3203	124	8	/	/	SYM
fsr-3203	124	9	financial	financial	PROPN
fsr-3203	124	10	services	service	NOUN
fsr-3203	124	11	review	review	VERB
fsr-3203	124	12	23	23	NUM
fsr-3203	124	13	(	(	PUNCT
fsr-3203	124	14	2014	2014	NUM
fsr-3203	124	15	)	)	PUNCT
fsr-3203	125	1	287–304	287–304	NUM
fsr-3203	125	2	2.2.9	2.2.9	NUM
fsr-3203	125	3	.	.	PUNCT
fsr-3203	126	1	ability	ability	NOUN
fsr-3203	126	2	to	to	PART
fsr-3203	126	3	self	self	NOUN
fsr-3203	126	4	-	-	PUNCT
fsr-3203	126	5	insure	insure	VERB
fsr-3203	126	6	if	if	SCONJ
fsr-3203	126	7	assets	asset	NOUN
fsr-3203	126	8	are	be	AUX
fsr-3203	126	9	greater	great	ADJ
fsr-3203	126	10	than	than	ADP
fsr-3203	126	11	the	the	DET
fsr-3203	126	12	present	present	ADJ
fsr-3203	126	13	value	value	NOUN
fsr-3203	126	14	of	of	ADP
fsr-3203	126	15	human	human	ADJ
fsr-3203	126	16	capital	capital	NOUN
fsr-3203	126	17	,	,	PUNCT
fsr-3203	126	18	households	household	NOUN
fsr-3203	126	19	can	can	AUX
fsr-3203	126	20	afford	afford	VERB
fsr-3203	126	21	to	to	PART
fsr-3203	126	22	self	self	NOUN
fsr-3203	126	23	-	-	PUNCT
fsr-3203	126	24	insure	insure	NOUN
fsr-3203	126	25	;	;	PUNCT
fsr-3203	126	26	thus	thus	ADV
fsr-3203	126	27	,	,	PUNCT
fsr-3203	126	28	having	have	VERB
fsr-3203	126	29	a	a	DET
fsr-3203	126	30	negative	negative	ADJ
fsr-3203	126	31	impact	impact	NOUN
fsr-3203	126	32	on	on	ADP
fsr-3203	126	33	life	life	NOUN
fsr-3203	126	34	insurance	insurance	NOUN
fsr-3203	126	35	adequacy	adequacy	NOUN
fsr-3203	126	36	.	.	PUNCT
fsr-3203	127	1	although	although	SCONJ
fsr-3203	127	2	net	net	ADJ
fsr-3203	127	3	worth	worth	NOUN
fsr-3203	127	4	and	and	CCONJ
fsr-3203	127	5	the	the	DET
fsr-3203	127	6	ability	ability	NOUN
fsr-3203	127	7	to	to	PART
fsr-3203	127	8	self	self	NOUN
fsr-3203	127	9	-	-	PUNCT
fsr-3203	127	10	insure	insure	NOUN
fsr-3203	127	11	are	be	AUX
fsr-3203	127	12	indeed	indeed	ADV
fsr-3203	127	13	correlated	correlate	VERB
fsr-3203	127	14	,	,	PUNCT
fsr-3203	127	15	the	the	DET
fsr-3203	127	16	correlation	correlation	NOUN
fsr-3203	127	17	does	do	AUX
fsr-3203	127	18	not	not	PART
fsr-3203	127	19	interfere	interfere	VERB
fsr-3203	127	20	with	with	ADP
fsr-3203	127	21	the	the	DET
fsr-3203	127	22	analysis	analysis	NOUN
fsr-3203	127	23	evident	evident	ADJ
fsr-3203	127	24	by	by	ADP
fsr-3203	127	25	correlation	correlation	NOUN
fsr-3203	127	26	tests	test	NOUN
fsr-3203	127	27	.	.	PUNCT
fsr-3203	128	1	2.2.10	2.2.10	NUM
fsr-3203	128	2	.	.	PUNCT
fsr-3203	129	1	income	income	NOUN
fsr-3203	129	2	bernheim	bernheim	PROPN
fsr-3203	129	3	et	et	PROPN
fsr-3203	129	4	al	al	PROPN
fsr-3203	129	5	.	.	PROPN
fsr-3203	129	6	(	(	PUNCT
fsr-3203	129	7	1999	1999	NUM
fsr-3203	129	8	)	)	PUNCT
fsr-3203	129	9	finds	find	VERB
fsr-3203	129	10	more	more	ADJ
fsr-3203	129	11	underinsurance	underinsurance	NOUN
fsr-3203	129	12	at	at	ADP
fsr-3203	129	13	moderate	moderate	ADJ
fsr-3203	129	14	levels	level	NOUN
fsr-3203	129	15	of	of	ADP
fsr-3203	129	16	income	income	NOUN
fsr-3203	129	17	.	.	PUNCT
fsr-3203	130	1	as	as	ADP
fsr-3203	130	2	household	household	NOUN
fsr-3203	130	3	income	income	NOUN
fsr-3203	130	4	increases	increase	NOUN
fsr-3203	130	5	,	,	PUNCT
fsr-3203	130	6	underinsurance	underinsurance	NOUN
fsr-3203	130	7	increases	increase	NOUN
fsr-3203	130	8	also	also	ADV
fsr-3203	130	9	.	.	PUNCT
fsr-3203	131	1	however	however	ADV
fsr-3203	131	2	,	,	PUNCT
fsr-3203	131	3	past	past	ADJ
fsr-3203	131	4	studies	study	NOUN
fsr-3203	131	5	also	also	ADV
fsr-3203	131	6	demonstrate	demonstrate	VERB
fsr-3203	131	7	greater	great	ADJ
fsr-3203	131	8	affordability	affordability	NOUN
fsr-3203	131	9	of	of	ADP
fsr-3203	131	10	insurance	insurance	NOUN
fsr-3203	131	11	with	with	ADP
fsr-3203	131	12	increased	increase	VERB
fsr-3203	131	13	income	income	NOUN
fsr-3203	131	14	(	(	PUNCT
fsr-3203	131	15	browne	browne	PROPN
fsr-3203	131	16	and	and	CCONJ
fsr-3203	131	17	kim	kim	PROPN
fsr-3203	131	18	,	,	PUNCT
fsr-3203	131	19	1993	1993	NUM
fsr-3203	131	20	;	;	PUNCT
fsr-3203	131	21	lewis	lewis	PROPN
fsr-3203	131	22	,	,	PUNCT
fsr-3203	131	23	1989	1989	NUM
fsr-3203	131	24	)	)	PUNCT
fsr-3203	131	25	.	.	PUNCT
fsr-3203	132	1	as	as	SCONJ
fsr-3203	132	2	income	income	NOUN
fsr-3203	132	3	variation	variation	NOUN
fsr-3203	132	4	increases	increase	NOUN
fsr-3203	132	5	,	,	PUNCT
fsr-3203	132	6	the	the	DET
fsr-3203	132	7	present	present	ADJ
fsr-3203	132	8	value	value	NOUN
fsr-3203	132	9	of	of	ADP
fsr-3203	132	10	human	human	ADJ
fsr-3203	132	11	capital	capital	NOUN
fsr-3203	132	12	decreases	decrease	VERB
fsr-3203	132	13	,	,	PUNCT
fsr-3203	132	14	leading	lead	VERB
fsr-3203	132	15	to	to	ADP
fsr-3203	132	16	less	less	ADJ
fsr-3203	132	17	demand	demand	NOUN
fsr-3203	132	18	for	for	ADP
fsr-3203	132	19	life	life	NOUN
fsr-3203	132	20	insurance	insurance	NOUN
fsr-3203	132	21	(	(	PUNCT
fsr-3203	132	22	finke	finke	PROPN
fsr-3203	132	23	,	,	PUNCT
fsr-3203	132	24	huston	huston	PROPN
fsr-3203	132	25	,	,	PUNCT
fsr-3203	132	26	and	and	CCONJ
fsr-3203	132	27	waller	waller	PROPN
fsr-3203	132	28	,	,	PUNCT
fsr-3203	132	29	2009	2009	NUM
fsr-3203	132	30	)	)	PUNCT
fsr-3203	132	31	.	.	PUNCT
fsr-3203	133	1	2.2.11	2.2.11	NUM
fsr-3203	133	2	.	.	PUNCT
fsr-3203	134	1	expectation	expectation	NOUN
fsr-3203	134	2	of	of	ADP
fsr-3203	134	3	income	income	NOUN
fsr-3203	134	4	growth	growth	NOUN
fsr-3203	134	5	this	this	PRON
fsr-3203	134	6	is	be	AUX
fsr-3203	134	7	one	one	NUM
fsr-3203	134	8	of	of	ADP
fsr-3203	134	9	the	the	DET
fsr-3203	134	10	variables	variable	NOUN
fsr-3203	134	11	that	that	PRON
fsr-3203	134	12	aim	aim	VERB
fsr-3203	134	13	to	to	PART
fsr-3203	134	14	capture	capture	VERB
fsr-3203	134	15	attitudes	attitude	NOUN
fsr-3203	134	16	related	relate	VERB
fsr-3203	134	17	to	to	ADP
fsr-3203	134	18	life	life	NOUN
fsr-3203	134	19	insurance	insurance	NOUN
fsr-3203	134	20	adequacy	adequacy	NOUN
fsr-3203	134	21	.	.	PUNCT
fsr-3203	135	1	ibbotson	ibbotson	PROPN
fsr-3203	135	2	et	et	PROPN
fsr-3203	135	3	al	al	PROPN
fsr-3203	135	4	.	.	PROPN
fsr-3203	136	1	(	(	PUNCT
fsr-3203	136	2	2007	2007	NUM
fsr-3203	136	3	)	)	PUNCT
fsr-3203	136	4	cite	cite	VERB
fsr-3203	136	5	that	that	SCONJ
fsr-3203	136	6	with	with	ADP
fsr-3203	136	7	higher	high	ADJ
fsr-3203	136	8	income	income	NOUN
fsr-3203	136	9	,	,	PUNCT
fsr-3203	136	10	a	a	DET
fsr-3203	136	11	higher	high	ADJ
fsr-3203	136	12	discount	discount	NOUN
fsr-3203	136	13	rate	rate	NOUN
fsr-3203	136	14	should	should	AUX
fsr-3203	136	15	be	be	AUX
fsr-3203	136	16	used	use	VERB
fsr-3203	136	17	to	to	PART
fsr-3203	136	18	value	value	VERB
fsr-3203	136	19	human	human	ADJ
fsr-3203	136	20	capital	capital	NOUN
fsr-3203	136	21	and	and	CCONJ
fsr-3203	136	22	,	,	PUNCT
fsr-3203	136	23	thus	thus	ADV
fsr-3203	136	24	,	,	PUNCT
fsr-3203	136	25	would	would	AUX
fsr-3203	136	26	depress	depress	VERB
fsr-3203	136	27	life	life	NOUN
fsr-3203	136	28	insurance	insurance	NOUN
fsr-3203	136	29	holdings	holding	NOUN
fsr-3203	136	30	.	.	PUNCT
fsr-3203	137	1	2.2.12	2.2.12	NUM
fsr-3203	137	2	.	.	PUNCT
fsr-3203	138	1	spending	spend	VERB
fsr-3203	138	2	greater	great	ADJ
fsr-3203	138	3	than	than	SCONJ
fsr-3203	138	4	income	income	VERB
fsr-3203	138	5	this	this	DET
fsr-3203	138	6	variable	variable	ADJ
fsr-3203	138	7	accounts	account	NOUN
fsr-3203	138	8	for	for	ADP
fsr-3203	138	9	liquidity	liquidity	NOUN
fsr-3203	138	10	constraints	constraint	NOUN
fsr-3203	138	11	of	of	ADP
fsr-3203	138	12	the	the	DET
fsr-3203	138	13	household	household	NOUN
fsr-3203	138	14	(	(	PUNCT
fsr-3203	138	15	bernheim	bernheim	PROPN
fsr-3203	138	16	et	et	PROPN
fsr-3203	138	17	al	al	PROPN
fsr-3203	138	18	.	.	PROPN
fsr-3203	138	19	,	,	PUNCT
fsr-3203	138	20	1999	1999	NUM
fsr-3203	138	21	)	)	PUNCT
fsr-3203	138	22	.	.	PUNCT
fsr-3203	139	1	households	household	NOUN
fsr-3203	139	2	who	who	PRON
fsr-3203	139	3	spend	spend	VERB
fsr-3203	139	4	greater	great	ADJ
fsr-3203	139	5	than	than	ADP
fsr-3203	139	6	income	income	NOUN
fsr-3203	139	7	will	will	AUX
fsr-3203	139	8	be	be	AUX
fsr-3203	139	9	less	less	ADV
fsr-3203	139	10	likely	likely	ADJ
fsr-3203	139	11	to	to	PART
fsr-3203	139	12	have	have	VERB
fsr-3203	139	13	adequate	adequate	ADJ
fsr-3203	139	14	life	life	NOUN
fsr-3203	139	15	insurance	insurance	NOUN
fsr-3203	139	16	.	.	PUNCT
fsr-3203	140	1	2.2.13	2.2.13	NUM
fsr-3203	140	2	.	.	PUNCT
fsr-3203	141	1	social	social	ADJ
fsr-3203	141	2	security	security	NOUN
fsr-3203	141	3	income	income	NOUN
fsr-3203	141	4	the	the	DET
fsr-3203	141	5	receipt	receipt	NOUN
fsr-3203	141	6	of	of	ADP
fsr-3203	141	7	social	social	ADJ
fsr-3203	141	8	security	security	NOUN
fsr-3203	141	9	benefits	benefit	NOUN
fsr-3203	141	10	may	may	AUX
fsr-3203	141	11	depress	depress	VERB
fsr-3203	141	12	life	life	NOUN
fsr-3203	141	13	insurance	insurance	NOUN
fsr-3203	141	14	holdings	holding	NOUN
fsr-3203	141	15	(	(	PUNCT
fsr-3203	141	16	bernheim	bernheim	NOUN
fsr-3203	141	17	,	,	PUNCT
fsr-3203	141	18	1991	1991	NUM
fsr-3203	141	19	;	;	PUNCT
fsr-3203	141	20	fitzgerald	fitzgerald	NOUN
fsr-3203	141	21	,	,	PUNCT
fsr-3203	141	22	1987	1987	NUM
fsr-3203	141	23	)	)	PUNCT
fsr-3203	141	24	.	.	PUNCT
fsr-3203	142	1	as	as	ADP
fsr-3203	142	2	with	with	ADP
fsr-3203	142	3	other	other	ADJ
fsr-3203	142	4	sources	source	NOUN
fsr-3203	142	5	of	of	ADP
fsr-3203	142	6	income	income	NOUN
fsr-3203	142	7	,	,	PUNCT
fsr-3203	142	8	social	social	ADJ
fsr-3203	142	9	security	security	NOUN
fsr-3203	142	10	benefits	benefit	NOUN
fsr-3203	142	11	should	should	AUX
fsr-3203	142	12	be	be	AUX
fsr-3203	142	13	included	include	VERB
fsr-3203	142	14	in	in	ADP
fsr-3203	142	15	life	life	NOUN
fsr-3203	142	16	insurance	insurance	NOUN
fsr-3203	142	17	demand	demand	NOUN
fsr-3203	142	18	as	as	SCONJ
fsr-3203	142	19	it	it	PRON
fsr-3203	142	20	influences	influence	VERB
fsr-3203	142	21	survivor	survivor	NOUN
fsr-3203	142	22	benefits	benefit	NOUN
fsr-3203	142	23	(	(	PUNCT
fsr-3203	142	24	lewis	lewis	PROPN
fsr-3203	142	25	,	,	PUNCT
fsr-3203	142	26	1989	1989	NUM
fsr-3203	142	27	)	)	PUNCT
fsr-3203	142	28	.	.	PUNCT
fsr-3203	143	1	2.2.14	2.2.14	X
fsr-3203	143	2	.	.	PUNCT
fsr-3203	144	1	health	health	NOUN
fsr-3203	144	2	related	relate	VERB
fsr-3203	144	3	to	to	ADP
fsr-3203	144	4	human	human	ADJ
fsr-3203	144	5	capital	capital	NOUN
fsr-3203	144	6	,	,	PUNCT
fsr-3203	144	7	greater	great	ADJ
fsr-3203	144	8	health	health	NOUN
fsr-3203	144	9	should	should	AUX
fsr-3203	144	10	have	have	VERB
fsr-3203	144	11	a	a	DET
fsr-3203	144	12	positive	positive	ADJ
fsr-3203	144	13	effect	effect	NOUN
fsr-3203	144	14	on	on	ADP
fsr-3203	144	15	life	life	NOUN
fsr-3203	144	16	insurance	insurance	NOUN
fsr-3203	144	17	coverage	coverage	NOUN
fsr-3203	144	18	(	(	PUNCT
fsr-3203	144	19	baek	baek	NOUN
fsr-3203	144	20	and	and	CCONJ
fsr-3203	144	21	devaney	devaney	PROPN
fsr-3203	144	22	,	,	PUNCT
fsr-3203	144	23	2005	2005	NUM
fsr-3203	144	24	)	)	PUNCT
fsr-3203	144	25	.	.	PUNCT
fsr-3203	145	1	better	well	ADJ
fsr-3203	145	2	health	health	NOUN
fsr-3203	145	3	promotes	promote	VERB
fsr-3203	145	4	or	or	CCONJ
fsr-3203	145	5	facilitates	facilitate	VERB
fsr-3203	145	6	better	well	ADJ
fsr-3203	145	7	formation	formation	NOUN
fsr-3203	145	8	of	of	ADP
fsr-3203	145	9	human	human	ADJ
fsr-3203	145	10	capital	capital	NOUN
fsr-3203	145	11	and	and	CCONJ
fsr-3203	145	12	it	it	PRON
fsr-3203	145	13	can	can	AUX
fsr-3203	145	14	also	also	ADV
fsr-3203	145	15	translate	translate	VERB
fsr-3203	145	16	into	into	ADP
fsr-3203	145	17	more	more	ADJ
fsr-3203	145	18	affordable	affordable	ADJ
fsr-3203	145	19	premiums	premium	NOUN
fsr-3203	145	20	.	.	PUNCT
fsr-3203	146	1	however	however	ADV
fsr-3203	146	2	,	,	PUNCT
fsr-3203	146	3	there	there	PRON
fsr-3203	146	4	may	may	AUX
fsr-3203	146	5	be	be	AUX
fsr-3203	146	6	no	no	DET
fsr-3203	146	7	effect	effect	NOUN
fsr-3203	146	8	on	on	ADP
fsr-3203	146	9	adequacy	adequacy	NOUN
fsr-3203	146	10	.	.	PUNCT
fsr-3203	147	1	2.2.15	2.2.15	X
fsr-3203	147	2	.	.	PUNCT
fsr-3203	148	1	bequest	bequ	ADJ
fsr-3203	148	2	motive	motive	ADJ
fsr-3203	148	3	households	household	NOUN
fsr-3203	148	4	with	with	ADP
fsr-3203	148	5	a	a	DET
fsr-3203	148	6	bequest	bequest	NOUN
fsr-3203	148	7	motive	motive	NOUN
fsr-3203	148	8	should	should	AUX
fsr-3203	148	9	demand	demand	VERB
fsr-3203	148	10	life	life	NOUN
fsr-3203	148	11	insurance	insurance	NOUN
fsr-3203	148	12	at	at	ADP
fsr-3203	148	13	a	a	DET
fsr-3203	148	14	greater	great	ADJ
fsr-3203	148	15	rate	rate	NOUN
fsr-3203	148	16	than	than	ADP
fsr-3203	148	17	households	household	NOUN
fsr-3203	148	18	without	without	ADP
fsr-3203	148	19	a	a	DET
fsr-3203	148	20	bequest	bequest	NOUN
fsr-3203	148	21	motive	motive	NOUN
fsr-3203	148	22	.	.	PUNCT
fsr-3203	149	1	however	however	ADV
fsr-3203	149	2	,	,	PUNCT
fsr-3203	149	3	having	have	VERB
fsr-3203	149	4	a	a	DET
fsr-3203	149	5	bequest	bequest	NOUN
fsr-3203	149	6	motive	motive	NOUN
fsr-3203	149	7	and	and	CCONJ
fsr-3203	149	8	executing	execute	VERB
fsr-3203	149	9	financial	financial	ADJ
fsr-3203	149	10	strategies	strategy	NOUN
fsr-3203	149	11	to	to	PART
fsr-3203	149	12	prepare	prepare	VERB
fsr-3203	149	13	for	for	ADP
fsr-3203	149	14	the	the	DET
fsr-3203	149	15	distribution	distribution	NOUN
fsr-3203	149	16	of	of	ADP
fsr-3203	149	17	assets	asset	NOUN
fsr-3203	149	18	are	be	AUX
fsr-3203	149	19	two	two	NUM
fsr-3203	149	20	separate	separate	ADJ
fsr-3203	149	21	matters	matter	NOUN
fsr-3203	149	22	.	.	PUNCT
fsr-3203	150	1	therefore	therefore	ADV
fsr-3203	150	2	,	,	PUNCT
fsr-3203	150	3	although	although	SCONJ
fsr-3203	150	4	we	we	PRON
fsr-3203	150	5	would	would	AUX
fsr-3203	150	6	expect	expect	VERB
fsr-3203	150	7	a	a	DET
fsr-3203	150	8	positive	positive	ADJ
fsr-3203	150	9	relation	relation	NOUN
fsr-3203	150	10	between	between	ADP
fsr-3203	150	11	having	have	VERB
fsr-3203	150	12	a	a	DET
fsr-3203	150	13	bequest	bequest	NOUN
fsr-3203	150	14	motive	motive	NOUN
fsr-3203	150	15	and	and	CCONJ
fsr-3203	150	16	adequate	adequate	ADJ
fsr-3203	150	17	life	life	NOUN
fsr-3203	150	18	insurance	insurance	NOUN
fsr-3203	150	19	,	,	PUNCT
fsr-3203	150	20	it	it	PRON
fsr-3203	150	21	would	would	AUX
fsr-3203	150	22	not	not	PART
fsr-3203	150	23	be	be	AUX
fsr-3203	150	24	surprising	surprising	ADJ
fsr-3203	150	25	to	to	PART
fsr-3203	150	26	find	find	VERB
fsr-3203	150	27	insignificant	insignificant	ADJ
fsr-3203	150	28	results	result	NOUN
fsr-3203	150	29	.	.	PUNCT
fsr-3203	151	1	2.2.16	2.2.16	NUM
fsr-3203	151	2	.	.	PUNCT
fsr-3203	152	1	presence	presence	NOUN
fsr-3203	152	2	of	of	ADP
fsr-3203	152	3	children	child	NOUN
fsr-3203	152	4	life	life	NOUN
fsr-3203	152	5	insurance	insurance	NOUN
fsr-3203	152	6	demand	demand	NOUN
fsr-3203	152	7	should	should	AUX
fsr-3203	152	8	be	be	AUX
fsr-3203	152	9	greater	great	ADJ
fsr-3203	152	10	for	for	ADP
fsr-3203	152	11	those	those	DET
fsr-3203	152	12	households	household	NOUN
fsr-3203	152	13	with	with	ADP
fsr-3203	152	14	children	child	NOUN
fsr-3203	152	15	(	(	PUNCT
fsr-3203	152	16	lewis	lewis	PROPN
fsr-3203	152	17	,	,	PUNCT
fsr-3203	152	18	1989	1989	NUM
fsr-3203	152	19	;	;	PUNCT
fsr-3203	152	20	mulholland	mulholland	NOUN
fsr-3203	152	21	,	,	PUNCT
fsr-3203	152	22	finke	finke	PROPN
fsr-3203	152	23	,	,	PUNCT
fsr-3203	152	24	and	and	CCONJ
fsr-3203	152	25	huston	huston	PROPN
fsr-3203	152	26	,	,	PUNCT
fsr-3203	152	27	2012	2012	NUM
fsr-3203	152	28	)	)	PUNCT
fsr-3203	152	29	.	.	PUNCT
fsr-3203	153	1	293j.k	293j.k	NUM
fsr-3203	153	2	.	.	PUNCT
fsr-3203	153	3	scott	scott	PROPN
fsr-3203	153	4	,	,	PUNCT
fsr-3203	153	5	j.	j.	PROPN
fsr-3203	153	6	gilliam	gilliam	PROPN
fsr-3203	153	7	/	/	SYM
fsr-3203	153	8	financial	financial	PROPN
fsr-3203	153	9	services	service	NOUN
fsr-3203	153	10	review	review	VERB
fsr-3203	153	11	23	23	NUM
fsr-3203	153	12	(	(	PUNCT
fsr-3203	153	13	2014	2014	NUM
fsr-3203	153	14	)	)	PUNCT
fsr-3203	154	1	287–304	287–304	NUM
fsr-3203	154	2	2.2.17	2.2.17	NUM
fsr-3203	154	3	.	.	PUNCT
fsr-3203	154	4	expectation	expectation	NOUN
fsr-3203	154	5	of	of	ADP
fsr-3203	154	6	having	have	VERB
fsr-3203	154	7	a	a	DET
fsr-3203	154	8	sizeable	sizeable	ADJ
fsr-3203	154	9	estate	estate	NOUN
fsr-3203	154	10	at	at	ADP
fsr-3203	154	11	death	death	NOUN
fsr-3203	154	12	the	the	DET
fsr-3203	154	13	inclusion	inclusion	NOUN
fsr-3203	154	14	of	of	ADP
fsr-3203	154	15	this	this	DET
fsr-3203	154	16	variable	variable	NOUN
fsr-3203	154	17	in	in	ADP
fsr-3203	154	18	the	the	DET
fsr-3203	154	19	model	model	NOUN
fsr-3203	154	20	is	be	AUX
fsr-3203	154	21	similar	similar	ADJ
fsr-3203	154	22	to	to	ADP
fsr-3203	154	23	including	include	VERB
fsr-3203	154	24	a	a	DET
fsr-3203	154	25	bequest	bequ	ADJ
fsr-3203	154	26	motive	motive	ADJ
fsr-3203	154	27	variable	variable	NOUN
fsr-3203	154	28	.	.	PUNCT
fsr-3203	155	1	again	again	ADV
fsr-3203	155	2	,	,	PUNCT
fsr-3203	155	3	preferences	preference	NOUN
fsr-3203	155	4	or	or	CCONJ
fsr-3203	155	5	expectations	expectation	NOUN
fsr-3203	155	6	may	may	AUX
fsr-3203	155	7	not	not	PART
fsr-3203	155	8	always	always	ADV
fsr-3203	155	9	lend	lend	VERB
fsr-3203	155	10	to	to	ADP
fsr-3203	155	11	financial	financial	ADJ
fsr-3203	155	12	preparedness	preparedness	NOUN
fsr-3203	155	13	.	.	PUNCT
fsr-3203	156	1	2.2.18	2.2.18	NUM
fsr-3203	156	2	.	.	PUNCT
fsr-3203	156	3	homeowner	homeowner	NOUN
fsr-3203	156	4	based	base	VERB
fsr-3203	156	5	on	on	ADP
fsr-3203	156	6	the	the	DET
fsr-3203	156	7	findings	finding	NOUN
fsr-3203	156	8	of	of	ADP
fsr-3203	156	9	other	other	ADJ
fsr-3203	156	10	studies	study	NOUN
fsr-3203	156	11	,	,	PUNCT
fsr-3203	156	12	homeownership	homeownership	NOUN
fsr-3203	156	13	should	should	AUX
fsr-3203	156	14	have	have	VERB
fsr-3203	156	15	a	a	DET
fsr-3203	156	16	positive	positive	ADJ
fsr-3203	156	17	effect	effect	NOUN
fsr-3203	156	18	on	on	ADP
fsr-3203	156	19	life	life	NOUN
fsr-3203	156	20	insurance	insurance	NOUN
fsr-3203	156	21	coverage	coverage	NOUN
fsr-3203	156	22	(	(	PUNCT
fsr-3203	156	23	gandolfi	gandolfi	NOUN
fsr-3203	156	24	and	and	CCONJ
fsr-3203	156	25	miners	miner	NOUN
fsr-3203	156	26	,	,	PUNCT
fsr-3203	156	27	1996	1996	NUM
fsr-3203	156	28	)	)	PUNCT
fsr-3203	156	29	.	.	PUNCT
fsr-3203	157	1	homeownership	homeownership	NOUN
fsr-3203	157	2	can	can	AUX
fsr-3203	157	3	also	also	ADV
fsr-3203	157	4	serve	serve	VERB
fsr-3203	157	5	as	as	ADP
fsr-3203	157	6	a	a	DET
fsr-3203	157	7	signal	signal	NOUN
fsr-3203	157	8	for	for	ADP
fsr-3203	157	9	greater	great	ADJ
fsr-3203	157	10	life	life	NOUN
fsr-3203	157	11	insurance	insurance	NOUN
fsr-3203	157	12	adequacy	adequacy	NOUN
fsr-3203	157	13	because	because	SCONJ
fsr-3203	157	14	of	of	ADP
fsr-3203	157	15	the	the	DET
fsr-3203	157	16	accumulation	accumulation	NOUN
fsr-3203	157	17	of	of	ADP
fsr-3203	157	18	assets	asset	NOUN
fsr-3203	157	19	within	within	ADP
fsr-3203	157	20	and	and	CCONJ
fsr-3203	157	21	beyond	beyond	ADP
fsr-3203	157	22	the	the	DET
fsr-3203	157	23	building	building	NOUN
fsr-3203	157	24	years	year	NOUN
fsr-3203	157	25	of	of	ADP
fsr-3203	157	26	a	a	DET
fsr-3203	157	27	household	household	NOUN
fsr-3203	157	28	’s	’s	PART
fsr-3203	157	29	life	life	NOUN
fsr-3203	157	30	cycle	cycle	NOUN
fsr-3203	157	31	stage	stage	NOUN
fsr-3203	157	32	.	.	PUNCT
fsr-3203	158	1	3	3	X
fsr-3203	158	2	.	.	X
fsr-3203	158	3	theory	theory	NOUN
fsr-3203	158	4	a	a	DET
fsr-3203	158	5	household	household	NOUN
fsr-3203	158	6	seeks	seek	VERB
fsr-3203	158	7	to	to	PART
fsr-3203	158	8	maximize	maximize	VERB
fsr-3203	158	9	the	the	DET
fsr-3203	158	10	expected	expect	VERB
fsr-3203	158	11	utility	utility	NOUN
fsr-3203	158	12	of	of	ADP
fsr-3203	158	13	wealth	wealth	NOUN
fsr-3203	158	14	,	,	PUNCT
fsr-3203	158	15	that	that	ADV
fsr-3203	158	16	is	is	ADV
fsr-3203	158	17	,	,	PUNCT
fsr-3203	158	18	pursue	pursue	VERB
fsr-3203	158	19	a	a	DET
fsr-3203	158	20	level	level	NOUN
fsr-3203	158	21	consumption	consumption	NOUN
fsr-3203	158	22	path	path	NOUN
fsr-3203	158	23	over	over	ADP
fsr-3203	158	24	the	the	DET
fsr-3203	158	25	life	life	NOUN
fsr-3203	158	26	cycle	cycle	NOUN
fsr-3203	158	27	.	.	PUNCT
fsr-3203	159	1	defined	define	VERB
fsr-3203	159	2	as	as	ADP
fsr-3203	159	3	the	the	DET
fsr-3203	159	4	present	present	ADJ
fsr-3203	159	5	value	value	NOUN
fsr-3203	159	6	of	of	ADP
fsr-3203	159	7	expected	expect	VERB
fsr-3203	159	8	future	future	ADJ
fsr-3203	159	9	market	market	NOUN
fsr-3203	159	10	wages	wage	NOUN
fsr-3203	159	11	,	,	PUNCT
fsr-3203	159	12	human	human	ADJ
fsr-3203	159	13	capital	capital	NOUN
fsr-3203	159	14	is	be	AUX
fsr-3203	159	15	a	a	DET
fsr-3203	159	16	non	non	ADJ
fsr-3203	159	17	-	-	ADJ
fsr-3203	159	18	tradable	tradable	ADJ
fsr-3203	159	19	asset	asset	NOUN
fsr-3203	159	20	in	in	ADP
fsr-3203	159	21	the	the	DET
fsr-3203	159	22	household	household	NOUN
fsr-3203	159	23	portfolio	portfolio	NOUN
fsr-3203	159	24	.	.	PUNCT
fsr-3203	160	1	labor	labor	NOUN
fsr-3203	160	2	income	income	NOUN
fsr-3203	160	3	is	be	AUX
fsr-3203	160	4	used	use	VERB
fsr-3203	160	5	to	to	PART
fsr-3203	160	6	fund	fund	VERB
fsr-3203	160	7	most	most	ADJ
fsr-3203	160	8	of	of	ADP
fsr-3203	160	9	household	household	NOUN
fsr-3203	160	10	consumption	consumption	NOUN
fsr-3203	160	11	,	,	PUNCT
fsr-3203	160	12	and	and	CCONJ
fsr-3203	160	13	so	so	ADV
fsr-3203	160	14	for	for	ADP
fsr-3203	160	15	a	a	DET
fsr-3203	160	16	majority	majority	NOUN
fsr-3203	160	17	of	of	ADP
fsr-3203	160	18	households	household	NOUN
fsr-3203	160	19	this	this	PRON
fsr-3203	160	20	dominates	dominate	VERB
fsr-3203	160	21	the	the	DET
fsr-3203	160	22	financial	financial	ADJ
fsr-3203	160	23	capital	capital	NOUN
fsr-3203	160	24	side	side	NOUN
fsr-3203	160	25	of	of	ADP
fsr-3203	160	26	the	the	DET
fsr-3203	160	27	household	household	NOUN
fsr-3203	160	28	portfolio	portfolio	NOUN
fsr-3203	160	29	(	(	PUNCT
fsr-3203	160	30	campbell	campbell	PROPN
fsr-3203	160	31	,	,	PUNCT
fsr-3203	160	32	1980	1980	NUM
fsr-3203	160	33	)	)	PUNCT
fsr-3203	160	34	.	.	PUNCT
fsr-3203	161	1	life	life	NOUN
fsr-3203	161	2	insurance	insurance	NOUN
fsr-3203	161	3	serves	serve	VERB
fsr-3203	161	4	as	as	ADP
fsr-3203	161	5	an	an	DET
fsr-3203	161	6	actuarial	actuarial	ADJ
fsr-3203	161	7	hedge	hedge	NOUN
fsr-3203	161	8	against	against	ADP
fsr-3203	161	9	the	the	DET
fsr-3203	161	10	loss	loss	NOUN
fsr-3203	161	11	of	of	ADP
fsr-3203	161	12	income	income	NOUN
fsr-3203	161	13	whereas	whereas	SCONJ
fsr-3203	161	14	other	other	ADJ
fsr-3203	161	15	financial	financial	ADJ
fsr-3203	161	16	assets	asset	NOUN
fsr-3203	161	17	seek	seek	VERB
fsr-3203	161	18	to	to	PART
fsr-3203	161	19	reduce	reduce	VERB
fsr-3203	161	20	diversifiable	diversifiable	ADJ
fsr-3203	161	21	risk	risk	NOUN
fsr-3203	161	22	(	(	PUNCT
fsr-3203	161	23	collins	collin	NOUN
fsr-3203	161	24	and	and	CCONJ
fsr-3203	161	25	lam	lam	PROPN
fsr-3203	161	26	,	,	PUNCT
fsr-3203	161	27	2011	2011	NUM
fsr-3203	161	28	)	)	PUNCT
fsr-3203	161	29	.	.	PUNCT
fsr-3203	162	1	life	life	NOUN
fsr-3203	162	2	cycle	cycle	NOUN
fsr-3203	162	3	hypothesis	hypothesis	NOUN
fsr-3203	162	4	supports	support	VERB
fsr-3203	162	5	the	the	DET
fsr-3203	162	6	use	use	NOUN
fsr-3203	162	7	of	of	ADP
fsr-3203	162	8	financial	financial	ADJ
fsr-3203	162	9	capital	capital	NOUN
fsr-3203	162	10	to	to	PART
fsr-3203	162	11	supplement	supplement	VERB
fsr-3203	162	12	an	an	DET
fsr-3203	162	13	unexpected	unexpected	ADJ
fsr-3203	162	14	loss	loss	NOUN
fsr-3203	162	15	of	of	ADP
fsr-3203	162	16	human	human	ADJ
fsr-3203	162	17	capital	capital	NOUN
fsr-3203	162	18	to	to	PART
fsr-3203	162	19	mitigate	mitigate	VERB
fsr-3203	162	20	consumption	consumption	NOUN
fsr-3203	162	21	shocks	shock	NOUN
fsr-3203	162	22	that	that	PRON
fsr-3203	162	23	can	can	AUX
fsr-3203	162	24	jeopardize	jeopardize	VERB
fsr-3203	162	25	financial	financial	ADJ
fsr-3203	162	26	goals	goal	NOUN
fsr-3203	162	27	.	.	PUNCT
fsr-3203	163	1	a	a	DET
fsr-3203	163	2	household	household	NOUN
fsr-3203	163	3	’s	’s	PART
fsr-3203	163	4	age	age	NOUN
fsr-3203	163	5	in	in	ADP
fsr-3203	163	6	the	the	DET
fsr-3203	163	7	life	life	NOUN
fsr-3203	163	8	cycle	cycle	NOUN
fsr-3203	163	9	influences	influence	VERB
fsr-3203	163	10	life	life	NOUN
fsr-3203	163	11	insurance	insurance	NOUN
fsr-3203	163	12	needs	need	NOUN
fsr-3203	163	13	.	.	PUNCT
fsr-3203	164	1	in	in	ADP
fsr-3203	164	2	a	a	DET
fsr-3203	164	3	broad	broad	ADJ
fsr-3203	164	4	sense	sense	NOUN
fsr-3203	164	5	,	,	PUNCT
fsr-3203	164	6	younger	young	ADJ
fsr-3203	164	7	households	household	NOUN
fsr-3203	164	8	with	with	ADP
fsr-3203	164	9	greater	great	ADJ
fsr-3203	164	10	human	human	ADJ
fsr-3203	164	11	capital	capital	NOUN
fsr-3203	164	12	should	should	AUX
fsr-3203	164	13	possess	possess	VERB
fsr-3203	164	14	adequate	adequate	ADJ
fsr-3203	164	15	life	life	NOUN
fsr-3203	164	16	insurance	insurance	NOUN
fsr-3203	164	17	more	more	ADJ
fsr-3203	164	18	than	than	ADP
fsr-3203	164	19	older	old	ADJ
fsr-3203	164	20	households	household	NOUN
fsr-3203	164	21	with	with	ADP
fsr-3203	164	22	less	less	ADJ
fsr-3203	164	23	human	human	ADJ
fsr-3203	164	24	capital	capital	NOUN
fsr-3203	164	25	to	to	PART
fsr-3203	164	26	protect	protect	VERB
fsr-3203	164	27	.	.	PUNCT
fsr-3203	165	1	all	all	DET
fsr-3203	165	2	households	household	NOUN
fsr-3203	165	3	should	should	AUX
fsr-3203	165	4	rationally	rationally	ADV
fsr-3203	165	5	prefer	prefer	VERB
fsr-3203	165	6	a	a	DET
fsr-3203	165	7	smooth	smooth	ADJ
fsr-3203	165	8	transition	transition	NOUN
fsr-3203	165	9	from	from	ADP
fsr-3203	165	10	one	one	NUM
fsr-3203	165	11	stage	stage	NOUN
fsr-3203	165	12	of	of	ADP
fsr-3203	165	13	the	the	DET
fsr-3203	165	14	life	life	NOUN
fsr-3203	165	15	cycle	cycle	NOUN
fsr-3203	165	16	to	to	ADP
fsr-3203	165	17	the	the	DET
fsr-3203	165	18	next	next	ADJ
fsr-3203	165	19	,	,	PUNCT
fsr-3203	165	20	but	but	CCONJ
fsr-3203	165	21	this	this	PRON
fsr-3203	165	22	is	be	AUX
fsr-3203	165	23	not	not	PART
fsr-3203	165	24	always	always	ADV
fsr-3203	165	25	possible	possible	ADJ
fsr-3203	165	26	.	.	PUNCT
fsr-3203	166	1	older	old	ADJ
fsr-3203	166	2	adults	adult	NOUN
fsr-3203	166	3	,	,	PUNCT
fsr-3203	166	4	specifically	specifically	ADV
fsr-3203	166	5	baby	baby	NOUN
fsr-3203	166	6	boomers	boomer	NOUN
fsr-3203	166	7	in	in	ADP
fsr-3203	166	8	the	the	DET
fsr-3203	166	9	period	period	NOUN
fsr-3203	166	10	of	of	ADP
fsr-3203	166	11	analysis	analysis	NOUN
fsr-3203	166	12	,	,	PUNCT
fsr-3203	166	13	are	be	AUX
fsr-3203	166	14	still	still	ADV
fsr-3203	166	15	in	in	ADP
fsr-3203	166	16	the	the	DET
fsr-3203	166	17	building	building	NOUN
fsr-3203	166	18	stage	stage	NOUN
fsr-3203	166	19	and	and	CCONJ
fsr-3203	166	20	susceptible	susceptible	ADJ
fsr-3203	166	21	to	to	ADP
fsr-3203	166	22	income	income	NOUN
fsr-3203	166	23	and	and	CCONJ
fsr-3203	166	24	consumption	consumption	NOUN
fsr-3203	166	25	shocks	shock	NOUN
fsr-3203	166	26	that	that	PRON
fsr-3203	166	27	may	may	AUX
fsr-3203	166	28	alter	alter	VERB
fsr-3203	166	29	life	life	NOUN
fsr-3203	166	30	insurance	insurance	NOUN
fsr-3203	166	31	needs	need	NOUN
fsr-3203	166	32	or	or	CCONJ
fsr-3203	166	33	preferences	preference	NOUN
fsr-3203	166	34	.	.	PUNCT
fsr-3203	167	1	in	in	ADP
fsr-3203	167	2	short	short	ADJ
fsr-3203	167	3	,	,	PUNCT
fsr-3203	167	4	their	their	PRON
fsr-3203	167	5	life	life	NOUN
fsr-3203	167	6	cycle	cycle	NOUN
fsr-3203	167	7	path	path	NOUN
fsr-3203	167	8	can	can	AUX
fsr-3203	167	9	become	become	VERB
fsr-3203	167	10	steeper	steeper	ADV
fsr-3203	167	11	depending	depend	VERB
fsr-3203	167	12	on	on	ADP
fsr-3203	167	13	unexpected	unexpected	ADJ
fsr-3203	167	14	variation	variation	NOUN
fsr-3203	167	15	in	in	ADP
fsr-3203	167	16	income	income	NOUN
fsr-3203	167	17	and/or	and/or	CCONJ
fsr-3203	167	18	the	the	DET
fsr-3203	167	19	economic	economic	ADJ
fsr-3203	167	20	environment	environment	NOUN
fsr-3203	167	21	.	.	PUNCT
fsr-3203	168	1	this	this	PRON
fsr-3203	168	2	leads	lead	VERB
fsr-3203	168	3	to	to	ADP
fsr-3203	168	4	greater	great	ADJ
fsr-3203	168	5	need	need	NOUN
fsr-3203	168	6	for	for	ADP
fsr-3203	168	7	life	life	NOUN
fsr-3203	168	8	insurance	insurance	NOUN
fsr-3203	168	9	adequacy	adequacy	NOUN
fsr-3203	168	10	(	(	PUNCT
fsr-3203	168	11	not	not	PART
fsr-3203	168	12	just	just	ADV
fsr-3203	168	13	coverage	coverage	NOUN
fsr-3203	168	14	)	)	PUNCT
fsr-3203	168	15	compared	compare	VERB
fsr-3203	168	16	with	with	ADP
fsr-3203	168	17	elders	elder	NOUN
fsr-3203	168	18	with	with	ADP
fsr-3203	168	19	greater	great	ADJ
fsr-3203	168	20	stability	stability	NOUN
fsr-3203	168	21	in	in	ADP
fsr-3203	168	22	income	income	NOUN
fsr-3203	168	23	and/or	and/or	CCONJ
fsr-3203	168	24	less	less	ADJ
fsr-3203	168	25	exposure	exposure	NOUN
fsr-3203	168	26	to	to	ADP
fsr-3203	168	27	the	the	DET
fsr-3203	168	28	stock	stock	NOUN
fsr-3203	168	29	market	market	NOUN
fsr-3203	168	30	.	.	PUNCT
fsr-3203	169	1	significant	significant	ADJ
fsr-3203	169	2	predictors	predictor	NOUN
fsr-3203	169	3	of	of	ADP
fsr-3203	169	4	demand	demand	NOUN
fsr-3203	169	5	life	life	NOUN
fsr-3203	169	6	insurance	insurance	NOUN
fsr-3203	169	7	include	include	VERB
fsr-3203	169	8	household	household	NOUN
fsr-3203	169	9	size	size	NOUN
fsr-3203	169	10	,	,	PUNCT
fsr-3203	169	11	number	number	NOUN
fsr-3203	169	12	,	,	PUNCT
fsr-3203	169	13	and	and	CCONJ
fsr-3203	169	14	age	age	NOUN
fsr-3203	169	15	of	of	ADP
fsr-3203	169	16	dependent	dependent	ADJ
fsr-3203	169	17	children	child	NOUN
fsr-3203	169	18	,	,	PUNCT
fsr-3203	169	19	and	and	CCONJ
fsr-3203	169	20	income	income	NOUN
fsr-3203	169	21	(	(	PUNCT
fsr-3203	169	22	baek	baek	NOUN
fsr-3203	169	23	&	&	CCONJ
fsr-3203	169	24	devaney	devaney	PROPN
fsr-3203	169	25	,	,	PUNCT
fsr-3203	169	26	2005	2005	NUM
fsr-3203	169	27	)	)	PUNCT
fsr-3203	169	28	.	.	PUNCT
fsr-3203	170	1	lewis	lewis	PROPN
fsr-3203	170	2	(	(	PUNCT
fsr-3203	170	3	1989	1989	NUM
fsr-3203	170	4	)	)	PUNCT
fsr-3203	170	5	developed	develop	VERB
fsr-3203	170	6	his	his	PRON
fsr-3203	170	7	life	life	NOUN
fsr-3203	170	8	insurance	insurance	NOUN
fsr-3203	170	9	model	model	NOUN
fsr-3203	170	10	based	base	VERB
fsr-3203	170	11	on	on	ADP
fsr-3203	170	12	the	the	DET
fsr-3203	170	13	survivor	survivor	NOUN
fsr-3203	170	14	’s	’s	PART
fsr-3203	170	15	preferences	preference	NOUN
fsr-3203	170	16	for	for	ADP
fsr-3203	170	17	insurance	insurance	NOUN
fsr-3203	170	18	.	.	PUNCT
fsr-3203	171	1	demand	demand	NOUN
fsr-3203	171	2	for	for	ADP
fsr-3203	171	3	life	life	NOUN
fsr-3203	171	4	insurance	insurance	NOUN
fsr-3203	171	5	should	should	AUX
fsr-3203	171	6	decline	decline	VERB
fsr-3203	171	7	with	with	ADP
fsr-3203	171	8	age	age	NOUN
fsr-3203	171	9	as	as	ADP
fsr-3203	171	10	the	the	DET
fsr-3203	171	11	value	value	NOUN
fsr-3203	171	12	of	of	ADP
fsr-3203	171	13	human	human	ADJ
fsr-3203	171	14	capital	capital	NOUN
fsr-3203	171	15	decreases	decrease	NOUN
fsr-3203	171	16	(	(	PUNCT
fsr-3203	171	17	baek	baek	NOUN
fsr-3203	171	18	and	and	CCONJ
fsr-3203	171	19	devaney	devaney	PROPN
fsr-3203	171	20	,	,	PUNCT
fsr-3203	171	21	2005	2005	NUM
fsr-3203	171	22	)	)	PUNCT
fsr-3203	171	23	.	.	PUNCT
fsr-3203	172	1	however	however	ADV
fsr-3203	172	2	,	,	PUNCT
fsr-3203	172	3	demand	demand	NOUN
fsr-3203	172	4	for	for	ADP
fsr-3203	172	5	life	life	NOUN
fsr-3203	172	6	insurance	insurance	NOUN
fsr-3203	172	7	should	should	AUX
fsr-3203	172	8	theoretically	theoretically	ADV
fsr-3203	172	9	terminate	terminate	VERB
fsr-3203	172	10	at	at	ADP
fsr-3203	172	11	retirement	retirement	NOUN
fsr-3203	172	12	as	as	SCONJ
fsr-3203	172	13	the	the	DET
fsr-3203	172	14	value	value	NOUN
fsr-3203	172	15	of	of	ADP
fsr-3203	172	16	human	human	ADJ
fsr-3203	172	17	capital	capital	NOUN
fsr-3203	172	18	shrinks	shrink	VERB
fsr-3203	172	19	to	to	ADP
fsr-3203	172	20	zero	zero	NUM
fsr-3203	172	21	(	(	PUNCT
fsr-3203	172	22	collins	collin	NOUN
fsr-3203	172	23	and	and	CCONJ
fsr-3203	172	24	lam	lam	PROPN
fsr-3203	172	25	,	,	PUNCT
fsr-3203	172	26	2011	2011	NUM
fsr-3203	172	27	;	;	PUNCT
fsr-3203	172	28	finke	finke	PROPN
fsr-3203	172	29	,	,	PUNCT
fsr-3203	172	30	huston	huston	PROPN
fsr-3203	172	31	,	,	PUNCT
fsr-3203	172	32	and	and	CCONJ
fsr-3203	172	33	waller	waller	PROPN
fsr-3203	172	34	,	,	PUNCT
fsr-3203	172	35	2009	2009	NUM
fsr-3203	172	36	)	)	PUNCT
fsr-3203	172	37	.	.	PUNCT
fsr-3203	173	1	however	however	ADV
fsr-3203	173	2	,	,	PUNCT
fsr-3203	173	3	many	many	ADJ
fsr-3203	173	4	households	household	NOUN
fsr-3203	173	5	continue	continue	VERB
fsr-3203	173	6	to	to	PART
fsr-3203	173	7	hold	hold	VERB
fsr-3203	173	8	onto	onto	ADP
fsr-3203	173	9	policies	policy	NOUN
fsr-3203	173	10	beyond	beyond	ADP
fsr-3203	173	11	retirement	retirement	NOUN
fsr-3203	173	12	age	age	NOUN
fsr-3203	173	13	,	,	PUNCT
fsr-3203	173	14	most	most	ADV
fsr-3203	173	15	specifically	specifically	ADV
fsr-3203	173	16	,	,	PUNCT
fsr-3203	173	17	cash	cash	NOUN
fsr-3203	173	18	value	value	NOUN
fsr-3203	173	19	life	life	NOUN
fsr-3203	173	20	insurance	insurance	NOUN
fsr-3203	173	21	policies	policy	NOUN
fsr-3203	173	22	for	for	ADP
fsr-3203	173	23	a	a	DET
fsr-3203	173	24	number	number	NOUN
fsr-3203	173	25	of	of	ADP
fsr-3203	173	26	reasons	reason	NOUN
fsr-3203	173	27	(	(	PUNCT
fsr-3203	173	28	brown	brown	ADJ
fsr-3203	173	29	,	,	PUNCT
fsr-3203	173	30	1999	1999	NUM
fsr-3203	173	31	)	)	PUNCT
fsr-3203	173	32	.	.	PUNCT
fsr-3203	174	1	294	294	NUM
fsr-3203	174	2	j.k	j.k	PROPN
fsr-3203	174	3	.	.	PROPN
fsr-3203	174	4	scott	scott	PROPN
fsr-3203	174	5	,	,	PUNCT
fsr-3203	174	6	j.	j.	PROPN
fsr-3203	174	7	gilliam	gilliam	PROPN
fsr-3203	174	8	/	/	SYM
fsr-3203	174	9	financial	financial	PROPN
fsr-3203	174	10	services	service	NOUN
fsr-3203	174	11	review	review	VERB
fsr-3203	174	12	23	23	NUM
fsr-3203	174	13	(	(	PUNCT
fsr-3203	174	14	2014	2014	NUM
fsr-3203	174	15	)	)	PUNCT
fsr-3203	175	1	287–304	287–304	NUM
fsr-3203	175	2	4	4	NUM
fsr-3203	175	3	.	.	PUNCT
fsr-3203	175	4	methodology	methodology	NOUN
fsr-3203	175	5	4.1	4.1	NUM
fsr-3203	175	6	.	.	PUNCT
fsr-3203	175	7	model	model	NOUN
fsr-3203	175	8	to	to	PART
fsr-3203	175	9	determine	determine	VERB
fsr-3203	175	10	life	life	NOUN
fsr-3203	175	11	insurance	insurance	NOUN
fsr-3203	175	12	adequacy	adequacy	NOUN
fsr-3203	175	13	,	,	PUNCT
fsr-3203	175	14	the	the	DET
fsr-3203	175	15	following	follow	VERB
fsr-3203	175	16	method	method	NOUN
fsr-3203	175	17	adopted	adopt	VERB
fsr-3203	175	18	from	from	ADP
fsr-3203	175	19	finke	finke	PROPN
fsr-3203	175	20	,	,	PUNCT
fsr-3203	175	21	huston	huston	PROPN
fsr-3203	175	22	,	,	PUNCT
fsr-3203	175	23	and	and	CCONJ
fsr-3203	175	24	waller	waller	PROPN
fsr-3203	175	25	(	(	PUNCT
fsr-3203	175	26	2009	2009	NUM
fsr-3203	175	27	)	)	PUNCT
fsr-3203	175	28	is	be	AUX
fsr-3203	175	29	used	use	VERB
fsr-3203	175	30	.	.	PUNCT
fsr-3203	176	1	first	first	ADV
fsr-3203	176	2	,	,	PUNCT
fsr-3203	176	3	it	it	PRON
fsr-3203	176	4	is	be	AUX
fsr-3203	176	5	necessary	necessary	ADJ
fsr-3203	176	6	to	to	PART
fsr-3203	176	7	determine	determine	VERB
fsr-3203	176	8	the	the	DET
fsr-3203	176	9	number	number	NOUN
fsr-3203	176	10	of	of	ADP
fsr-3203	176	11	children	child	NOUN
fsr-3203	176	12	under	under	ADP
fsr-3203	176	13	age	age	NOUN
fsr-3203	176	14	18	18	NUM
fsr-3203	176	15	present	present	ADJ
fsr-3203	176	16	in	in	ADP
fsr-3203	176	17	the	the	DET
fsr-3203	176	18	household	household	NOUN
fsr-3203	176	19	.	.	PUNCT
fsr-3203	177	1	then	then	ADV
fsr-3203	177	2	,	,	PUNCT
fsr-3203	177	3	using	use	VERB
fsr-3203	177	4	the	the	DET
fsr-3203	177	5	u.s	u.s	PROPN
fsr-3203	177	6	.	.	PROPN
fsr-3203	177	7	census	census	PROPN
fsr-3203	177	8	bureau	bureau	PROPN
fsr-3203	177	9	household	household	NOUN
fsr-3203	177	10	poverty	poverty	NOUN
fsr-3203	177	11	and	and	CCONJ
fsr-3203	177	12	income	income	NOUN
fsr-3203	177	13	information	information	NOUN
fsr-3203	177	14	,	,	PUNCT
fsr-3203	177	15	we	we	PRON
fsr-3203	177	16	determined	determine	VERB
fsr-3203	177	17	if	if	SCONJ
fsr-3203	177	18	a	a	DET
fsr-3203	177	19	household	household	NOUN
fsr-3203	177	20	is	be	AUX
fsr-3203	177	21	above	above	ADP
fsr-3203	177	22	or	or	CCONJ
fsr-3203	177	23	below	below	ADP
fsr-3203	177	24	the	the	DET
fsr-3203	177	25	poverty	poverty	NOUN
fsr-3203	177	26	line	line	NOUN
fsr-3203	177	27	based	base	VERB
fsr-3203	177	28	on	on	ADP
fsr-3203	177	29	income	income	NOUN
fsr-3203	177	30	and	and	CCONJ
fsr-3203	177	31	dependents	dependent	NOUN
fsr-3203	177	32	.	.	PUNCT
fsr-3203	178	1	the	the	DET
fsr-3203	178	2	sample	sample	NOUN
fsr-3203	178	3	is	be	AUX
fsr-3203	178	4	then	then	ADV
fsr-3203	178	5	censored	censor	VERB
fsr-3203	178	6	to	to	ADP
fsr-3203	178	7	households	household	NOUN
fsr-3203	178	8	ages	age	NOUN
fsr-3203	178	9	35	35	NUM
fsr-3203	178	10	to	to	ADP
fsr-3203	178	11	70	70	NUM
fsr-3203	178	12	(	(	PUNCT
fsr-3203	178	13	35	35	NUM
fsr-3203	178	14	to	to	ADP
fsr-3203	178	15	76	76	NUM
fsr-3203	178	16	in	in	ADP
fsr-3203	178	17	2010	2010	NUM
fsr-3203	178	18	)	)	PUNCT
fsr-3203	178	19	who	who	PRON
fsr-3203	178	20	are	be	AUX
fsr-3203	178	21	working	work	VERB
fsr-3203	178	22	full	full	ADJ
fsr-3203	178	23	-	-	PUNCT
fsr-3203	178	24	time	time	NOUN
fsr-3203	178	25	.	.	PUNCT
fsr-3203	179	1	the	the	DET
fsr-3203	179	2	2010	2010	NUM
fsr-3203	179	3	sample	sample	NOUN
fsr-3203	179	4	is	be	AUX
fsr-3203	179	5	increased	increase	VERB
fsr-3203	179	6	to	to	ADP
fsr-3203	179	7	age	age	NOUN
fsr-3203	179	8	76	76	NUM
fsr-3203	179	9	to	to	PART
fsr-3203	179	10	account	account	VERB
fsr-3203	179	11	for	for	ADP
fsr-3203	179	12	the	the	DET
fsr-3203	179	13	senior	senior	ADJ
fsr-3203	179	14	generation	generation	NOUN
fsr-3203	179	15	.	.	PUNCT
fsr-3203	180	1	using	use	VERB
fsr-3203	180	2	bernheim	bernheim	PROPN
fsr-3203	180	3	et	et	PROPN
fsr-3203	180	4	al	al	PROPN
fsr-3203	180	5	.	.	PROPN
fsr-3203	181	1	(	(	PUNCT
fsr-3203	181	2	2001	2001	NUM
fsr-3203	181	3	)	)	PUNCT
fsr-3203	181	4	we	we	PRON
fsr-3203	181	5	adjust	adjust	VERB
fsr-3203	181	6	for	for	ADP
fsr-3203	181	7	household	household	NOUN
fsr-3203	181	8	economies	economy	NOUN
fsr-3203	181	9	of	of	ADP
fsr-3203	181	10	scale	scale	NOUN
fsr-3203	181	11	to	to	PART
fsr-3203	181	12	assess	assess	VERB
fsr-3203	181	13	replacement	replacement	NOUN
fsr-3203	181	14	needs	need	NOUN
fsr-3203	181	15	in	in	ADP
fsr-3203	181	16	a	a	DET
fsr-3203	181	17	two	two	NUM
fsr-3203	181	18	adult	adult	NOUN
fsr-3203	181	19	household	household	NOUN
fsr-3203	181	20	.	.	PUNCT
fsr-3203	182	1	taxes	taxis	NOUN
fsr-3203	182	2	are	be	AUX
fsr-3203	182	3	estimated	estimate	VERB
fsr-3203	182	4	based	base	VERB
fsr-3203	182	5	on	on	ADP
fsr-3203	182	6	filing	file	VERB
fsr-3203	182	7	status	status	NOUN
fsr-3203	182	8	,	,	PUNCT
fsr-3203	182	9	adjusted	adjust	VERB
fsr-3203	182	10	gross	gross	ADJ
fsr-3203	182	11	income	income	NOUN
fsr-3203	182	12	,	,	PUNCT
fsr-3203	182	13	and	and	CCONJ
fsr-3203	182	14	personal	personal	ADJ
fsr-3203	182	15	exemptions	exemption	NOUN
fsr-3203	182	16	.	.	PUNCT
fsr-3203	183	1	unlike	unlike	ADP
fsr-3203	183	2	finke	finke	PROPN
fsr-3203	183	3	,	,	PUNCT
fsr-3203	183	4	huston	huston	PROPN
fsr-3203	183	5	,	,	PUNCT
fsr-3203	183	6	and	and	CCONJ
fsr-3203	183	7	waller	waller	PROPN
fsr-3203	183	8	(	(	PUNCT
fsr-3203	183	9	2009	2009	NUM
fsr-3203	183	10	)	)	PUNCT
fsr-3203	183	11	,	,	PUNCT
fsr-3203	183	12	we	we	PRON
fsr-3203	183	13	use	use	VERB
fsr-3203	183	14	the	the	DET
fsr-3203	183	15	original	original	ADJ
fsr-3203	183	16	filing	filing	NOUN
fsr-3203	183	17	status	status	NOUN
fsr-3203	183	18	question	question	NOUN
fsr-3203	183	19	in	in	ADP
fsr-3203	183	20	the	the	DET
fsr-3203	183	21	survey	survey	NOUN
fsr-3203	183	22	of	of	ADP
fsr-3203	183	23	consumer	consumer	NOUN
fsr-3203	183	24	finances	finance	NOUN
fsr-3203	183	25	(	(	PUNCT
fsr-3203	183	26	scf	scf	PROPN
fsr-3203	183	27	)	)	PUNCT
fsr-3203	183	28	to	to	PART
fsr-3203	183	29	be	be	AUX
fsr-3203	183	30	consistent	consistent	ADJ
fsr-3203	183	31	with	with	ADP
fsr-3203	183	32	the	the	DET
fsr-3203	183	33	survey	survey	NOUN
fsr-3203	183	34	years	year	NOUN
fsr-3203	183	35	.	.	PUNCT
fsr-3203	184	1	insurance	insurance	NOUN
fsr-3203	184	2	coverage	coverage	NOUN
fsr-3203	184	3	is	be	AUX
fsr-3203	184	4	calculated	calculate	VERB
fsr-3203	184	5	based	base	VERB
fsr-3203	184	6	on	on	ADP
fsr-3203	184	7	the	the	DET
fsr-3203	184	8	face	face	NOUN
fsr-3203	184	9	value	value	NOUN
fsr-3203	184	10	of	of	ADP
fsr-3203	184	11	both	both	DET
fsr-3203	184	12	term	term	NOUN
fsr-3203	184	13	and	and	CCONJ
fsr-3203	184	14	cash	cash	NOUN
fsr-3203	184	15	value	value	NOUN
fsr-3203	184	16	life	life	NOUN
fsr-3203	184	17	insurance	insurance	NOUN
fsr-3203	184	18	.	.	PUNCT
fsr-3203	185	1	instead	instead	ADV
fsr-3203	185	2	of	of	ADP
fsr-3203	185	3	recreating	recreate	VERB
fsr-3203	185	4	the	the	DET
fsr-3203	185	5	insurance	insurance	NOUN
fsr-3203	185	6	ratio	ratio	NOUN
fsr-3203	185	7	developed	develop	VERB
fsr-3203	185	8	by	by	ADP
fsr-3203	185	9	finke	finke	PROPN
fsr-3203	185	10	,	,	PUNCT
fsr-3203	185	11	huston	huston	PROPN
fsr-3203	185	12	,	,	PUNCT
fsr-3203	185	13	and	and	CCONJ
fsr-3203	185	14	waller	waller	PROPN
fsr-3203	185	15	(	(	PUNCT
fsr-3203	185	16	2009	2009	NUM
fsr-3203	185	17	)	)	PUNCT
fsr-3203	185	18	,	,	PUNCT
fsr-3203	185	19	it	it	PRON
fsr-3203	185	20	seems	seem	VERB
fsr-3203	185	21	more	more	ADV
fsr-3203	185	22	straightforward	straightforward	ADJ
fsr-3203	185	23	to	to	PART
fsr-3203	185	24	view	view	VERB
fsr-3203	185	25	the	the	DET
fsr-3203	185	26	insurance	insurance	NOUN
fsr-3203	185	27	ratio	ratio	NOUN
fsr-3203	185	28	as	as	ADP
fsr-3203	185	29	current	current	ADJ
fsr-3203	185	30	life	life	NOUN
fsr-3203	185	31	insurance	insurance	NOUN
fsr-3203	185	32	to	to	ADP
fsr-3203	185	33	life	life	NOUN
fsr-3203	185	34	insurance	insurance	NOUN
fsr-3203	185	35	needs	need	NOUN
fsr-3203	185	36	.	.	PUNCT
fsr-3203	186	1	the	the	DET
fsr-3203	186	2	life	life	NOUN
fsr-3203	186	3	insurance	insurance	NOUN
fsr-3203	186	4	adequacy	adequacy	NOUN
fsr-3203	186	5	model	model	NOUN
fsr-3203	186	6	is	be	AUX
fsr-3203	186	7	presented	present	VERB
fsr-3203	186	8	in	in	ADP
fsr-3203	186	9	eq	eq	ADP
fsr-3203	186	10	.	.	PUNCT
fsr-3203	187	1	(	(	PUNCT
fsr-3203	187	2	1	1	X
fsr-3203	187	3	)	)	PUNCT
fsr-3203	187	4	below	below	ADV
fsr-3203	187	5	.	.	PUNCT
fsr-3203	188	1	adq	adq	PROPN
fsr-3203	188	2	li	li	PROPN
fsr-3203	188	3	�	�	PROPN
fsr-3203	188	4	�	�	PROPN
fsr-3203	188	5	p	p	PROPN
fsr-3203	188	6	�	�	PROPN
fsr-3203	188	7	1	1	NUM
fsr-3203	188	8	p	p	NOUN
fsr-3203	188	9	vp	vp	PROPN
fsr-3203	188	10	�	�	PROPN
fsr-3203	188	11	it	it	PRON
fsr-3203	188	12	�	�	PROPN
fsr-3203	188	13	tt	tt	PROPN
fsr-3203	188	14	�	�	PROPN
fsr-3203	188	15	f	f	PROPN
fsr-3203	188	16	�	�	PROPN
fsr-3203	188	17	�	�	PROPN
fsr-3203	188	18	�	�	PROPN
fsr-3203	188	19	�	�	PROPN
fsr-3203	188	20	1	1	NUM
fsr-3203	188	21	�	�	PROPN
fsr-3203	188	22	�	�	PROPN
fsr-3203	188	23	1	1	NUM
fsr-3203	188	24	�	�	PROPN
fsr-3203	188	25	rrr	rrr	PROPN
fsr-3203	188	26	�	�	PROPN
fsr-3203	188	27	�	�	PROPN
fsr-3203	188	28	w	w	PROPN
fsr-3203	188	29	�	�	PROPN
fsr-3203	188	30	rrr	rrr	PROPN
fsr-3203	188	31	�	�	PROPN
fsr-3203	188	32	(	(	PUNCT
fsr-3203	188	33	1	1	NUM
fsr-3203	188	34	)	)	PUNCT
fsr-3203	188	35	life	life	NOUN
fsr-3203	188	36	insurance	insurance	NOUN
fsr-3203	188	37	adequacy	adequacy	NOUN
fsr-3203	188	38	is	be	AUX
fsr-3203	188	39	a	a	DET
fsr-3203	188	40	function	function	NOUN
fsr-3203	188	41	of	of	ADP
fsr-3203	188	42	human	human	ADJ
fsr-3203	188	43	capital	capital	NOUN
fsr-3203	188	44	and	and	CCONJ
fsr-3203	188	45	household	household	NOUN
fsr-3203	188	46	financial	financial	ADJ
fsr-3203	188	47	characteristics	characteristic	NOUN
fsr-3203	188	48	.	.	PUNCT
fsr-3203	189	1	where	where	SCONJ
fsr-3203	189	2	vp	vp	PROPN
fsr-3203	189	3	in	in	ADP
fsr-3203	189	4	the	the	DET
fsr-3203	189	5	numerator	numerator	NOUN
fsr-3203	189	6	represents	represent	VERB
fsr-3203	189	7	the	the	DET
fsr-3203	189	8	face	face	NOUN
fsr-3203	189	9	value	value	NOUN
fsr-3203	189	10	of	of	ADP
fsr-3203	189	11	cash	cash	NOUN
fsr-3203	189	12	value	value	NOUN
fsr-3203	189	13	and	and	CCONJ
fsr-3203	189	14	term	term	NOUN
fsr-3203	189	15	life	life	NOUN
fsr-3203	189	16	insurance	insurance	NOUN
fsr-3203	189	17	policies	policy	NOUN
fsr-3203	189	18	;	;	PUNCT
fsr-3203	189	19	w	w	X
fsr-3203	189	20	,	,	PUNCT
fsr-3203	189	21	the	the	DET
fsr-3203	189	22	difference	difference	NOUN
fsr-3203	189	23	between	between	ADP
fsr-3203	189	24	the	the	DET
fsr-3203	189	25	respondent	respondent	NOUN
fsr-3203	189	26	’s	’s	PART
fsr-3203	189	27	age	age	NOUN
fsr-3203	189	28	and	and	CCONJ
fsr-3203	189	29	retirement	retirement	NOUN
fsr-3203	189	30	age	age	NOUN
fsr-3203	189	31	;	;	PUNCT
fsr-3203	189	32	it	it	PRON
fsr-3203	189	33	,	,	PUNCT
fsr-3203	189	34	the	the	DET
fsr-3203	189	35	household	household	NOUN
fsr-3203	189	36	’s	’s	PART
fsr-3203	189	37	current	current	ADJ
fsr-3203	189	38	income	income	NOUN
fsr-3203	189	39	;	;	PUNCT
fsr-3203	189	40	f	f	X
fsr-3203	189	41	,	,	PUNCT
fsr-3203	189	42	household	household	NOUN
fsr-3203	189	43	economies	economy	NOUN
fsr-3203	189	44	of	of	ADP
fsr-3203	189	45	scale	scale	NOUN
fsr-3203	189	46	ratio	ratio	NOUN
fsr-3203	189	47	(	(	PUNCT
fsr-3203	189	48	ability	ability	NOUN
fsr-3203	189	49	to	to	PART
fsr-3203	189	50	pool	pool	VERB
fsr-3203	189	51	resources	resource	NOUN
fsr-3203	189	52	in	in	ADP
fsr-3203	189	53	a	a	DET
fsr-3203	189	54	dual	dual	ADJ
fsr-3203	189	55	-	-	PUNCT
fsr-3203	189	56	income	income	NOUN
fsr-3203	189	57	household	household	NOUN
fsr-3203	189	58	)	)	PUNCT
fsr-3203	189	59	;	;	PUNCT
fsr-3203	189	60	tt	tt	PROPN
fsr-3203	189	61	,	,	PUNCT
fsr-3203	189	62	estimated	estimate	VERB
fsr-3203	189	63	taxes	taxis	NOUN
fsr-3203	189	64	based	base	VERB
fsr-3203	189	65	on	on	ADP
fsr-3203	189	66	filing	file	VERB
fsr-3203	189	67	status	status	NOUN
fsr-3203	189	68	,	,	PUNCT
fsr-3203	189	69	personal	personal	ADJ
fsr-3203	189	70	exemptions	exemption	NOUN
fsr-3203	189	71	,	,	PUNCT
fsr-3203	189	72	and	and	CCONJ
fsr-3203	189	73	standard	standard	ADJ
fsr-3203	189	74	deduction	deduction	NOUN
fsr-3203	189	75	;	;	PUNCT
fsr-3203	189	76	rr	rr	NOUN
fsr-3203	189	77	,	,	PUNCT
fsr-3203	189	78	expected	expect	VERB
fsr-3203	189	79	real	real	ADJ
fsr-3203	189	80	interest	interest	NOUN
fsr-3203	189	81	rate	rate	NOUN
fsr-3203	189	82	.	.	PUNCT
fsr-3203	190	1	a	a	DET
fsr-3203	190	2	household	household	NOUN
fsr-3203	190	3	has	have	VERB
fsr-3203	190	4	adequate	adequate	ADJ
fsr-3203	190	5	life	life	NOUN
fsr-3203	190	6	insurance	insurance	NOUN
fsr-3203	190	7	when	when	SCONJ
fsr-3203	190	8	its	its	PRON
fsr-3203	190	9	insurance	insurance	NOUN
fsr-3203	190	10	value	value	NOUN
fsr-3203	190	11	(	(	PUNCT
fsr-3203	190	12	in	in	ADP
fsr-3203	190	13	the	the	DET
fsr-3203	190	14	numerator	numerator	NOUN
fsr-3203	190	15	)	)	PUNCT
fsr-3203	190	16	to	to	PART
fsr-3203	190	17	insurance	insurance	NOUN
fsr-3203	190	18	need	need	NOUN
fsr-3203	190	19	(	(	PUNCT
fsr-3203	190	20	represented	represent	VERB
fsr-3203	190	21	by	by	ADP
fsr-3203	190	22	the	the	DET
fsr-3203	190	23	denominator	denominator	NOUN
fsr-3203	190	24	)	)	PUNCT
fsr-3203	190	25	is	be	AUX
fsr-3203	190	26	greater	great	ADJ
fsr-3203	190	27	than	than	ADP
fsr-3203	190	28	or	or	CCONJ
fsr-3203	190	29	equal	equal	ADJ
fsr-3203	190	30	to	to	ADP
fsr-3203	190	31	one	one	NUM
fsr-3203	190	32	.	.	PUNCT
fsr-3203	191	1	we	we	PRON
fsr-3203	191	2	assume	assume	VERB
fsr-3203	191	3	that	that	SCONJ
fsr-3203	191	4	income	income	NOUN
fsr-3203	191	5	growth	growth	NOUN
fsr-3203	191	6	is	be	AUX
fsr-3203	191	7	equal	equal	ADJ
fsr-3203	191	8	to	to	ADP
fsr-3203	191	9	the	the	DET
fsr-3203	191	10	rate	rate	NOUN
fsr-3203	191	11	of	of	ADP
fsr-3203	191	12	inflation	inflation	NOUN
fsr-3203	191	13	and	and	CCONJ
fsr-3203	191	14	to	to	PART
fsr-3203	191	15	determine	determine	VERB
fsr-3203	191	16	overall	overall	ADJ
fsr-3203	191	17	replaceable	replaceable	ADJ
fsr-3203	191	18	need	need	NOUN
fsr-3203	191	19	,	,	PUNCT
fsr-3203	191	20	a	a	DET
fsr-3203	191	21	discount	discount	NOUN
fsr-3203	191	22	rate	rate	NOUN
fsr-3203	191	23	of	of	ADP
fsr-3203	191	24	2.3	2.3	NUM
fsr-3203	191	25	%	%	NOUN
fsr-3203	191	26	is	be	AUX
fsr-3203	191	27	used	use	VERB
fsr-3203	191	28	.	.	PUNCT
fsr-3203	192	1	the	the	DET
fsr-3203	192	2	regression	regression	NOUN
fsr-3203	192	3	model	model	NOUN
fsr-3203	192	4	is	be	AUX
fsr-3203	192	5	shown	show	VERB
fsr-3203	192	6	below	below	ADP
fsr-3203	192	7	in	in	ADP
fsr-3203	192	8	eq	eq	ADP
fsr-3203	192	9	.	.	PUNCT
fsr-3203	193	1	(	(	PUNCT
fsr-3203	193	2	2	2	NUM
fsr-3203	193	3	)	)	PUNCT
fsr-3203	193	4	.	.	PUNCT
fsr-3203	194	1	adequate	adequate	ADJ
fsr-3203	194	2	life	life	NOUN
fsr-3203	194	3	insurance	insurance	PROPN
fsr-3203	194	4	�	�	PROPN
fsr-3203	194	5	�	�	PROPN
fsr-3203	194	6	0	0	PROPN
fsr-3203	194	7	�	�	PROPN
fsr-3203	194	8	�	�	PROPN
fsr-3203	194	9	1age	1age	PROPN
fsr-3203	194	10	�	�	PROPN
fsr-3203	194	11	�	�	PROPN
fsr-3203	194	12	2financial	2financial	PROPN
fsr-3203	194	13	professional	professional	ADJ
fsr-3203	194	14	�	�	PROPN
fsr-3203	194	15	�	�	PROPN
fsr-3203	194	16	3demographic	3demographic	PROPN
fsr-3203	194	17	characteristics	characteristics	PROPN
fsr-3203	194	18	�	�	PROPN
fsr-3203	194	19	�	�	PROPN
fsr-3203	194	20	4financial	4financial	PROPN
fsr-3203	194	21	characteristics	characteristic	NOUN
fsr-3203	194	22	�	�	PROPN
fsr-3203	194	23	�	�	PROPN
fsr-3203	194	24	5financial	5financial	NUM
fsr-3203	194	25	attitudes	attitude	NOUN
fsr-3203	194	26	�	�	PROPN
fsr-3203	194	27	�	�	PROPN
fsr-3203	194	28	(	(	PUNCT
fsr-3203	194	29	2	2	NUM
fsr-3203	194	30	)	)	PUNCT
fsr-3203	194	31	adequate	adequate	ADJ
fsr-3203	194	32	life	life	NOUN
fsr-3203	194	33	insurance	insurance	NOUN
fsr-3203	194	34	is	be	AUX
fsr-3203	194	35	a	a	DET
fsr-3203	194	36	binary	binary	ADJ
fsr-3203	194	37	variable	variable	NOUN
fsr-3203	194	38	equal	equal	ADJ
fsr-3203	194	39	to	to	ADP
fsr-3203	194	40	1	1	NUM
fsr-3203	194	41	if	if	SCONJ
fsr-3203	194	42	the	the	DET
fsr-3203	194	43	household	household	NOUN
fsr-3203	194	44	has	have	VERB
fsr-3203	194	45	an	an	DET
fsr-3203	194	46	insurance	insurance	NOUN
fsr-3203	194	47	coverage	coverage	NOUN
fsr-3203	194	48	to	to	ADP
fsr-3203	194	49	insurance	insurance	NOUN
fsr-3203	194	50	needs	need	NOUN
fsr-3203	194	51	ratio	ratio	NOUN
fsr-3203	194	52	is	be	AUX
fsr-3203	194	53	greater	great	ADJ
fsr-3203	194	54	than	than	ADP
fsr-3203	194	55	or	or	CCONJ
fsr-3203	194	56	equal	equal	ADJ
fsr-3203	194	57	to	to	ADP
fsr-3203	194	58	1	1	NUM
fsr-3203	194	59	.	.	PUNCT
fsr-3203	194	60	age	age	NOUN
fsr-3203	194	61	includes	include	VERB
fsr-3203	194	62	boomers	boomer	NOUN
fsr-3203	194	63	,	,	PUNCT
fsr-3203	194	64	seniors	senior	NOUN
fsr-3203	194	65	,	,	PUNCT
fsr-3203	194	66	295j.k	295j.k	NUM
fsr-3203	194	67	.	.	PUNCT
fsr-3203	195	1	scott	scott	PROPN
fsr-3203	195	2	,	,	PUNCT
fsr-3203	195	3	j.	j.	PROPN
fsr-3203	195	4	gilliam	gilliam	PROPN
fsr-3203	195	5	/	/	SYM
fsr-3203	195	6	financial	financial	PROPN
fsr-3203	195	7	services	service	NOUN
fsr-3203	195	8	review	review	VERB
fsr-3203	195	9	23	23	NUM
fsr-3203	195	10	(	(	PUNCT
fsr-3203	195	11	2014	2014	NUM
fsr-3203	195	12	)	)	PUNCT
fsr-3203	196	1	287–304	287–304	NUM
fsr-3203	196	2	and	and	CCONJ
fsr-3203	196	3	generations	generation	NOUN
fsr-3203	196	4	younger	young	ADJ
fsr-3203	196	5	than	than	ADP
fsr-3203	196	6	boomers	boomer	NOUN
fsr-3203	196	7	.	.	PUNCT
fsr-3203	197	1	financial	financial	ADJ
fsr-3203	197	2	professional	professional	NOUN
fsr-3203	197	3	includes	include	VERB
fsr-3203	197	4	the	the	DET
fsr-3203	197	5	use	use	NOUN
fsr-3203	197	6	of	of	ADP
fsr-3203	197	7	a	a	DET
fsr-3203	197	8	financial	financial	ADJ
fsr-3203	197	9	planner	planner	NOUN
fsr-3203	197	10	and	and	CCONJ
fsr-3203	197	11	non	non	ADJ
fsr-3203	197	12	-	-	ADJ
fsr-3203	197	13	financial	financial	ADJ
fsr-3203	197	14	planner	planner	NOUN
fsr-3203	197	15	.	.	PUNCT
fsr-3203	198	1	demographic	demographic	ADJ
fsr-3203	198	2	characteristics	characteristic	NOUN
fsr-3203	198	3	is	be	AUX
fsr-3203	198	4	a	a	DET
fsr-3203	198	5	vector	vector	NOUN
fsr-3203	198	6	of	of	ADP
fsr-3203	198	7	independent	independent	ADJ
fsr-3203	198	8	variables	variable	NOUN
fsr-3203	198	9	representing	represent	VERB
fsr-3203	198	10	race	race	NOUN
fsr-3203	198	11	,	,	PUNCT
fsr-3203	198	12	education	education	NOUN
fsr-3203	198	13	,	,	PUNCT
fsr-3203	198	14	children	child	NOUN
fsr-3203	198	15	,	,	PUNCT
fsr-3203	198	16	and	and	CCONJ
fsr-3203	198	17	marital	marital	ADJ
fsr-3203	198	18	status	status	NOUN
fsr-3203	198	19	.	.	PUNCT
fsr-3203	199	1	financial	financial	ADJ
fsr-3203	199	2	characteristics	characteristic	NOUN
fsr-3203	199	3	includes	include	VERB
fsr-3203	199	4	net	net	ADJ
fsr-3203	199	5	worth	worth	ADJ
fsr-3203	199	6	,	,	PUNCT
fsr-3203	199	7	income	income	NOUN
fsr-3203	199	8	,	,	PUNCT
fsr-3203	199	9	self	self	NOUN
fsr-3203	199	10	-	-	PUNCT
fsr-3203	199	11	insurability	insurability	NOUN
fsr-3203	199	12	,	,	PUNCT
fsr-3203	199	13	self	self	NOUN
fsr-3203	199	14	-	-	PUNCT
fsr-3203	199	15	employment	employment	NOUN
fsr-3203	199	16	,	,	PUNCT
fsr-3203	199	17	and	and	CCONJ
fsr-3203	199	18	homeownership	homeownership	NOUN
fsr-3203	199	19	.	.	PUNCT
fsr-3203	200	1	financial	financial	ADJ
fsr-3203	200	2	attitudes	attitude	NOUN
fsr-3203	200	3	contains	contain	VERB
fsr-3203	200	4	a	a	DET
fsr-3203	200	5	bequest	bequest	NOUN
fsr-3203	200	6	preference	preference	NOUN
fsr-3203	200	7	,	,	PUNCT
fsr-3203	200	8	a	a	DET
fsr-3203	200	9	substantial	substantial	ADJ
fsr-3203	200	10	risk	risk	NOUN
fsr-3203	200	11	tolerance	tolerance	NOUN
fsr-3203	200	12	level	level	NOUN
fsr-3203	200	13	,	,	PUNCT
fsr-3203	200	14	the	the	DET
fsr-3203	200	15	expectation	expectation	NOUN
fsr-3203	200	16	of	of	ADP
fsr-3203	200	17	greater	great	ADJ
fsr-3203	200	18	income	income	NOUN
fsr-3203	200	19	in	in	ADP
fsr-3203	200	20	the	the	DET
fsr-3203	200	21	future	future	NOUN
fsr-3203	200	22	,	,	PUNCT
fsr-3203	200	23	and	and	CCONJ
fsr-3203	200	24	spending	spend	VERB
fsr-3203	200	25	more	more	ADJ
fsr-3203	200	26	than	than	ADP
fsr-3203	200	27	annual	annual	ADJ
fsr-3203	200	28	income	income	NOUN
fsr-3203	200	29	.	.	PUNCT
fsr-3203	201	1	4.2	4.2	NUM
fsr-3203	201	2	.	.	PUNCT
fsr-3203	201	3	dataset	dataset	VERB
fsr-3203	201	4	as	as	SCONJ
fsr-3203	201	5	we	we	PRON
fsr-3203	201	6	are	be	AUX
fsr-3203	201	7	examining	examine	VERB
fsr-3203	201	8	life	life	NOUN
fsr-3203	201	9	insurance	insurance	NOUN
fsr-3203	201	10	adequacy	adequacy	NOUN
fsr-3203	201	11	among	among	ADP
fsr-3203	201	12	baby	baby	NOUN
fsr-3203	201	13	boomers	boomer	NOUN
fsr-3203	201	14	pre	pre	VERB
fsr-3203	201	15	and	and	CCONJ
fsr-3203	201	16	post	post	VERB
fsr-3203	201	17	the	the	DET
fsr-3203	201	18	2008	2008	NUM
fsr-3203	201	19	financial	financial	ADJ
fsr-3203	201	20	crisis	crisis	NOUN
fsr-3203	201	21	,	,	PUNCT
fsr-3203	201	22	the	the	DET
fsr-3203	201	23	2004	2004	NUM
fsr-3203	201	24	and	and	CCONJ
fsr-3203	201	25	2010	2010	NUM
fsr-3203	201	26	scf	scf	NOUN
fsr-3203	201	27	datasets	dataset	NOUN
fsr-3203	201	28	are	be	AUX
fsr-3203	201	29	used	use	VERB
fsr-3203	201	30	.	.	PUNCT
fsr-3203	202	1	this	this	DET
fsr-3203	202	2	survey	survey	NOUN
fsr-3203	202	3	contains	contain	VERB
fsr-3203	202	4	the	the	DET
fsr-3203	202	5	necessary	necessary	ADJ
fsr-3203	202	6	household	household	NOUN
fsr-3203	202	7	demographic	demographic	ADJ
fsr-3203	202	8	and	and	CCONJ
fsr-3203	202	9	financial	financial	ADJ
fsr-3203	202	10	characteristics	characteristic	NOUN
fsr-3203	202	11	for	for	ADP
fsr-3203	202	12	this	this	DET
fsr-3203	202	13	research	research	NOUN
fsr-3203	202	14	study	study	NOUN
fsr-3203	202	15	.	.	PUNCT
fsr-3203	203	1	there	there	PRON
fsr-3203	203	2	were	be	VERB
fsr-3203	203	3	4,519	4,519	NUM
fsr-3203	203	4	respondents	respondent	NOUN
fsr-3203	203	5	in	in	ADP
fsr-3203	203	6	2004	2004	NUM
fsr-3203	203	7	and	and	CCONJ
fsr-3203	203	8	6,482	6,482	NUM
fsr-3203	203	9	in	in	ADP
fsr-3203	203	10	2010	2010	NUM
fsr-3203	203	11	.	.	PUNCT
fsr-3203	204	1	for	for	ADP
fsr-3203	204	2	the	the	DET
fsr-3203	204	3	descriptive	descriptive	ADJ
fsr-3203	204	4	analyses	analysis	NOUN
fsr-3203	204	5	,	,	PUNCT
fsr-3203	204	6	the	the	DET
fsr-3203	204	7	scf	scf	PROPN
fsr-3203	204	8	population	population	NOUN
fsr-3203	204	9	weights	weight	NOUN
fsr-3203	204	10	will	will	AUX
fsr-3203	204	11	be	be	AUX
fsr-3203	204	12	used	use	VERB
fsr-3203	204	13	to	to	PART
fsr-3203	204	14	represent	represent	VERB
fsr-3203	204	15	the	the	DET
fsr-3203	204	16	u.s	u.s	PROPN
fsr-3203	204	17	.	.	PROPN
fsr-3203	204	18	population	population	NOUN
fsr-3203	204	19	as	as	ADP
fsr-3203	204	20	a	a	DET
fsr-3203	204	21	whole	whole	NOUN
fsr-3203	204	22	but	but	CCONJ
fsr-3203	204	23	not	not	PART
fsr-3203	204	24	for	for	ADP
fsr-3203	204	25	the	the	DET
fsr-3203	204	26	multivariate	multivariate	NOUN
fsr-3203	204	27	analysis	analysis	NOUN
fsr-3203	204	28	(	(	PUNCT
fsr-3203	204	29	rubin	rubin	PROPN
fsr-3203	204	30	,	,	PUNCT
fsr-3203	204	31	1987	1987	NUM
fsr-3203	204	32	)	)	PUNCT
fsr-3203	204	33	.	.	PUNCT
fsr-3203	205	1	following	follow	VERB
fsr-3203	205	2	finke	finke	PROPN
fsr-3203	205	3	,	,	PUNCT
fsr-3203	205	4	huston	huston	PROPN
fsr-3203	205	5	,	,	PUNCT
fsr-3203	205	6	and	and	CCONJ
fsr-3203	205	7	waller	waller	PROPN
fsr-3203	205	8	(	(	PUNCT
fsr-3203	205	9	2009	2009	NUM
fsr-3203	205	10	)	)	PUNCT
fsr-3203	205	11	,	,	PUNCT
fsr-3203	205	12	the	the	DET
fsr-3203	205	13	sample	sample	NOUN
fsr-3203	205	14	in	in	ADP
fsr-3203	205	15	2004	2004	NUM
fsr-3203	205	16	was	be	AUX
fsr-3203	205	17	censored	censor	VERB
fsr-3203	205	18	to	to	ADP
fsr-3203	205	19	married	married	ADJ
fsr-3203	205	20	households	household	NOUN
fsr-3203	205	21	working	work	VERB
fsr-3203	205	22	full	full	ADJ
fsr-3203	205	23	-	-	PUNCT
fsr-3203	205	24	time	time	NOUN
fsr-3203	205	25	,	,	PUNCT
fsr-3203	205	26	between	between	ADP
fsr-3203	205	27	age	age	NOUN
fsr-3203	205	28	35	35	NUM
fsr-3203	205	29	and	and	CCONJ
fsr-3203	205	30	70	70	NUM
fsr-3203	205	31	(	(	PUNCT
fsr-3203	205	32	expanded	expand	VERB
fsr-3203	205	33	to	to	ADP
fsr-3203	205	34	age	age	NOUN
fsr-3203	205	35	76	76	NUM
fsr-3203	205	36	in	in	ADP
fsr-3203	205	37	2010	2010	NUM
fsr-3203	205	38	)	)	PUNCT
fsr-3203	205	39	and	and	CCONJ
fsr-3203	205	40	possessing	possess	VERB
fsr-3203	205	41	income	income	NOUN
fsr-3203	205	42	above	above	ADP
fsr-3203	205	43	the	the	DET
fsr-3203	205	44	poverty	poverty	NOUN
fsr-3203	205	45	line	line	NOUN
fsr-3203	205	46	.	.	PUNCT
fsr-3203	206	1	4.3	4.3	NUM
fsr-3203	206	2	.	.	PUNCT
fsr-3203	206	3	descriptive	descriptive	ADJ
fsr-3203	206	4	statistics	statistic	NOUN
fsr-3203	206	5	descriptive	descriptive	ADJ
fsr-3203	206	6	statistics	statistic	NOUN
fsr-3203	206	7	are	be	AUX
fsr-3203	206	8	presented	present	VERB
fsr-3203	206	9	in	in	ADP
fsr-3203	206	10	tables	table	NOUN
fsr-3203	206	11	2	2	NUM
fsr-3203	206	12	and	and	CCONJ
fsr-3203	206	13	4	4	NUM
fsr-3203	206	14	.	.	NOUN
fsr-3203	206	15	table	table	NOUN
fsr-3203	206	16	3	3	NUM
fsr-3203	206	17	shows	show	VERB
fsr-3203	206	18	the	the	DET
fsr-3203	206	19	coding	coding	NOUN
fsr-3203	206	20	for	for	ADP
fsr-3203	206	21	each	each	DET
fsr-3203	206	22	variable	variable	NOUN
fsr-3203	206	23	in	in	ADP
fsr-3203	206	24	the	the	DET
fsr-3203	206	25	study	study	NOUN
fsr-3203	206	26	.	.	PUNCT
fsr-3203	207	1	table	table	NOUN
fsr-3203	207	2	2	2	NUM
fsr-3203	207	3	displays	display	VERB
fsr-3203	207	4	the	the	DET
fsr-3203	207	5	mean	mean	ADJ
fsr-3203	207	6	insurance	insurance	NOUN
fsr-3203	207	7	and	and	CCONJ
fsr-3203	207	8	mean	mean	VERB
fsr-3203	207	9	insurance	insurance	NOUN
fsr-3203	207	10	needs	need	VERB
fsr-3203	207	11	for	for	ADP
fsr-3203	207	12	all	all	DET
fsr-3203	207	13	respondents	respondent	NOUN
fsr-3203	207	14	.	.	PUNCT
fsr-3203	208	1	of	of	ADP
fsr-3203	208	2	the	the	DET
fsr-3203	208	3	generational	generational	ADJ
fsr-3203	208	4	groups	group	NOUN
fsr-3203	208	5	,	,	PUNCT
fsr-3203	208	6	boomers	boomer	NOUN
fsr-3203	208	7	have	have	VERB
fsr-3203	208	8	the	the	DET
fsr-3203	208	9	highest	high	ADJ
fsr-3203	208	10	insurance	insurance	NOUN
fsr-3203	208	11	mean	mean	NOUN
fsr-3203	208	12	of	of	ADP
fsr-3203	208	13	$	$	SYM
fsr-3203	208	14	345,297	345,297	NUM
fsr-3203	208	15	in	in	ADP
fsr-3203	208	16	2004	2004	NUM
fsr-3203	208	17	but	but	CCONJ
fsr-3203	208	18	a	a	DET
fsr-3203	208	19	greater	great	ADJ
fsr-3203	208	20	insurance	insurance	NOUN
fsr-3203	208	21	need	need	NOUN
fsr-3203	208	22	than	than	ADP
fsr-3203	208	23	seniors	senior	NOUN
fsr-3203	208	24	in	in	ADP
fsr-3203	208	25	both	both	DET
fsr-3203	208	26	years	year	NOUN
fsr-3203	208	27	.	.	PUNCT
fsr-3203	209	1	insurance	insurance	NOUN
fsr-3203	209	2	holdings	holding	NOUN
fsr-3203	209	3	on	on	ADP
fsr-3203	209	4	average	average	ADJ
fsr-3203	209	5	are	be	AUX
fsr-3203	209	6	higher	high	ADJ
fsr-3203	209	7	among	among	ADP
fsr-3203	209	8	respondents	respondent	NOUN
fsr-3203	209	9	who	who	PRON
fsr-3203	209	10	report	report	VERB
fsr-3203	209	11	seeking	seek	VERB
fsr-3203	209	12	advice	advice	NOUN
fsr-3203	209	13	from	from	ADP
fsr-3203	209	14	a	a	DET
fsr-3203	209	15	financial	financial	ADJ
fsr-3203	209	16	planner	planner	NOUN
fsr-3203	209	17	(	(	PUNCT
fsr-3203	209	18	$	$	SYM
fsr-3203	209	19	478,396	478,396	NUM
fsr-3203	209	20	)	)	PUNCT
fsr-3203	209	21	compared	compare	VERB
fsr-3203	209	22	with	with	ADP
fsr-3203	209	23	those	those	PRON
fsr-3203	209	24	who	who	PRON
fsr-3203	209	25	use	use	VERB
fsr-3203	209	26	another	another	DET
fsr-3203	209	27	financial	financial	ADJ
fsr-3203	209	28	professional	professional	NOUN
fsr-3203	209	29	(	(	PUNCT
fsr-3203	209	30	$	$	SYM
fsr-3203	209	31	284,421	284,421	NUM
fsr-3203	209	32	)	)	PUNCT
fsr-3203	209	33	.	.	PUNCT
fsr-3203	210	1	however	however	ADV
fsr-3203	210	2	,	,	PUNCT
fsr-3203	210	3	insurance	insurance	NOUN
fsr-3203	210	4	needs	need	NOUN
fsr-3203	210	5	are	be	AUX
fsr-3203	210	6	greater	great	ADJ
fsr-3203	210	7	(	(	PUNCT
fsr-3203	210	8	by	by	ADP
fsr-3203	210	9	�	�	PROPN
fsr-3203	210	10	$	$	SYM
fsr-3203	210	11	81,000	81,000	NUM
fsr-3203	210	12	)	)	PUNCT
fsr-3203	210	13	for	for	ADP
fsr-3203	210	14	households	household	NOUN
fsr-3203	210	15	with	with	ADP
fsr-3203	210	16	a	a	DET
fsr-3203	210	17	financial	financial	ADJ
fsr-3203	210	18	planner	planner	NOUN
fsr-3203	210	19	.	.	PUNCT
fsr-3203	211	1	table	table	NOUN
fsr-3203	211	2	4	4	NUM
fsr-3203	211	3	displays	display	NOUN
fsr-3203	211	4	demographic	demographic	ADJ
fsr-3203	211	5	,	,	PUNCT
fsr-3203	211	6	financial	financial	ADJ
fsr-3203	211	7	,	,	PUNCT
fsr-3203	211	8	and	and	CCONJ
fsr-3203	211	9	other	other	ADJ
fsr-3203	211	10	household	household	NOUN
fsr-3203	211	11	characteristics	characteristic	NOUN
fsr-3203	211	12	.	.	PUNCT
fsr-3203	212	1	the	the	DET
fsr-3203	212	2	first	first	ADJ
fsr-3203	212	3	column	column	NOUN
fsr-3203	212	4	for	for	ADP
fsr-3203	212	5	each	each	DET
fsr-3203	212	6	year	year	NOUN
fsr-3203	212	7	includes	include	VERB
fsr-3203	212	8	all	all	DET
fsr-3203	212	9	respondents	respondent	NOUN
fsr-3203	212	10	and	and	CCONJ
fsr-3203	212	11	the	the	DET
fsr-3203	212	12	second	second	ADJ
fsr-3203	212	13	column	column	NOUN
fsr-3203	212	14	is	be	AUX
fsr-3203	212	15	censored	censor	VERB
fsr-3203	212	16	/	/	SYM
fsr-3203	212	17	restricted	restrict	VERB
fsr-3203	212	18	based	base	VERB
fsr-3203	212	19	on	on	ADP
fsr-3203	212	20	age	age	NOUN
fsr-3203	212	21	,	,	PUNCT
fsr-3203	212	22	households	household	NOUN
fsr-3203	212	23	with	with	ADP
fsr-3203	212	24	more	more	ADJ
fsr-3203	212	25	than	than	ADP
fsr-3203	212	26	one	one	NUM
fsr-3203	212	27	member	member	NOUN
fsr-3203	212	28	and	and	CCONJ
fsr-3203	212	29	income	income	NOUN
fsr-3203	212	30	above	above	ADP
fsr-3203	212	31	the	the	DET
fsr-3203	212	32	poverty	poverty	NOUN
fsr-3203	212	33	line	line	NOUN
fsr-3203	212	34	.	.	PUNCT
fsr-3203	213	1	the	the	DET
fsr-3203	213	2	sample	sample	NOUN
fsr-3203	213	3	size	size	NOUN
fsr-3203	213	4	in	in	ADP
fsr-3203	213	5	2004	2004	NUM
fsr-3203	213	6	for	for	ADP
fsr-3203	213	7	the	the	DET
fsr-3203	213	8	censored	censored	ADJ
fsr-3203	213	9	sample	sample	NOUN
fsr-3203	213	10	is	be	AUX
fsr-3203	213	11	1,966	1,966	NUM
fsr-3203	213	12	households	household	NOUN
fsr-3203	213	13	and	and	CCONJ
fsr-3203	213	14	2,612	2,612	NUM
fsr-3203	213	15	in	in	ADP
fsr-3203	213	16	2010	2010	NUM
fsr-3203	213	17	.	.	PUNCT
fsr-3203	214	1	table	table	NOUN
fsr-3203	214	2	2	2	NUM
fsr-3203	214	3	mean	mean	NOUN
fsr-3203	214	4	insurance	insurance	NOUN
fsr-3203	214	5	and	and	CCONJ
fsr-3203	214	6	insurance	insurance	NOUN
fsr-3203	214	7	need	need	VERB
fsr-3203	214	8	2004	2004	NUM
fsr-3203	214	9	2010	2010	NUM
fsr-3203	214	10	insurance	insurance	NOUN
fsr-3203	214	11	insurance	insurance	NOUN
fsr-3203	214	12	need	need	VERB
fsr-3203	214	13	insurance	insurance	NOUN
fsr-3203	214	14	insurance	insurance	NOUN
fsr-3203	214	15	need	need	VERB
fsr-3203	214	16	boomers	boomer	NOUN
fsr-3203	214	17	$	$	SYM
fsr-3203	214	18	345,297.34	345,297.34	NUM
fsr-3203	214	19	$	$	SYM
fsr-3203	214	20	676,507.76	676,507.76	NUM
fsr-3203	214	21	$	$	SYM
fsr-3203	214	22	419,124.74	419,124.74	NUM
fsr-3203	214	23	$	$	SYM
fsr-3203	214	24	700,545.65	700,545.65	NUM
fsr-3203	214	25	seniors	senior	NOUN
fsr-3203	214	26	$	$	SYM
fsr-3203	214	27	235,741.31	235,741.31	NUM
fsr-3203	214	28	$	$	SYM
fsr-3203	214	29	325,580.83	325,580.83	NUM
fsr-3203	214	30	$	$	SYM
fsr-3203	214	31	295,727.41	295,727.41	NUM
fsr-3203	214	32	$	$	SYM
fsr-3203	214	33	286,945.90	286,945.90	NUM
fsr-3203	214	34	genx	genx	NOUN
fsr-3203	214	35	and	and	CCONJ
fsr-3203	214	36	below	below	ADP
fsr-3203	214	37	$	$	SYM
fsr-3203	214	38	235,952.48	235,952.48	NUM
fsr-3203	214	39	$	$	SYM
fsr-3203	214	40	808,799.39	808,799.39	NUM
fsr-3203	214	41	$	$	SYM
fsr-3203	214	42	342,860.90	342,860.90	NUM
fsr-3203	214	43	$	$	SYM
fsr-3203	214	44	1,212,846.14	1,212,846.14	NUM
fsr-3203	214	45	financial	financial	ADJ
fsr-3203	214	46	planner	planner	NOUN
fsr-3203	214	47	$	$	SYM
fsr-3203	214	48	478,396.10	478,396.10	NUM
fsr-3203	214	49	$	$	SYM
fsr-3203	214	50	736,178.60	736,178.60	NUM
fsr-3203	214	51	$	$	SYM
fsr-3203	214	52	586,766.69	586,766.69	NUM
fsr-3203	214	53	$	$	SYM
fsr-3203	214	54	888,523.82	888,523.82	NUM
fsr-3203	214	55	non	non	ADJ
fsr-3203	214	56	-	-	ADJ
fsr-3203	214	57	financial	financial	ADJ
fsr-3203	214	58	planner	planner	NOUN
fsr-3203	214	59	$	$	SYM
fsr-3203	214	60	284,421.30	284,421.30	NUM
fsr-3203	214	61	$	$	SYM
fsr-3203	214	62	655,043.47	655,043.47	NUM
fsr-3203	214	63	$	$	SYM
fsr-3203	214	64	351,424.69	351,424.69	NUM
fsr-3203	214	65	$	$	SYM
fsr-3203	214	66	872,127.81	872,127.81	PROPN
fsr-3203	214	67	296	296	NUM
fsr-3203	214	68	j.k	j.k	PROPN
fsr-3203	214	69	.	.	PROPN
fsr-3203	214	70	scott	scott	PROPN
fsr-3203	214	71	,	,	PUNCT
fsr-3203	214	72	j.	j.	PROPN
fsr-3203	214	73	gilliam	gilliam	PROPN
fsr-3203	214	74	/	/	SYM
fsr-3203	214	75	financial	financial	PROPN
fsr-3203	214	76	services	service	NOUN
fsr-3203	214	77	review	review	VERB
fsr-3203	214	78	23	23	NUM
fsr-3203	214	79	(	(	PUNCT
fsr-3203	214	80	2014	2014	NUM
fsr-3203	214	81	)	)	PUNCT
fsr-3203	215	1	287–304	287–304	NUM
fsr-3203	215	2	approximately	approximately	ADV
fsr-3203	215	3	15	15	NUM
fsr-3203	215	4	%	%	NOUN
fsr-3203	215	5	of	of	ADP
fsr-3203	215	6	these	these	DET
fsr-3203	215	7	households	household	NOUN
fsr-3203	215	8	possess	possess	VERB
fsr-3203	215	9	adequate	adequate	ADJ
fsr-3203	215	10	life	life	NOUN
fsr-3203	215	11	insurance	insurance	NOUN
fsr-3203	215	12	in	in	ADP
fsr-3203	215	13	2004	2004	NUM
fsr-3203	215	14	and	and	CCONJ
fsr-3203	215	15	14	14	NUM
fsr-3203	215	16	%	%	NOUN
fsr-3203	215	17	have	have	VERB
fsr-3203	215	18	adequate	adequate	ADJ
fsr-3203	215	19	life	life	NOUN
fsr-3203	215	20	insurance	insurance	NOUN
fsr-3203	215	21	in	in	ADP
fsr-3203	215	22	2010	2010	NUM
fsr-3203	215	23	.	.	PUNCT
fsr-3203	216	1	in	in	ADP
fsr-3203	216	2	both	both	DET
fsr-3203	216	3	survey	survey	NOUN
fsr-3203	216	4	years	year	NOUN
fsr-3203	216	5	,	,	PUNCT
fsr-3203	216	6	the	the	DET
fsr-3203	216	7	majority	majority	NOUN
fsr-3203	216	8	of	of	ADP
fsr-3203	216	9	respondents	respondent	NOUN
fsr-3203	216	10	are	be	AUX
fsr-3203	216	11	baby	baby	NOUN
fsr-3203	216	12	boomers	boomer	NOUN
fsr-3203	216	13	followed	follow	VERB
fsr-3203	216	14	by	by	ADP
fsr-3203	216	15	seniors	senior	NOUN
fsr-3203	216	16	in	in	ADP
fsr-3203	216	17	2004	2004	NUM
fsr-3203	216	18	and	and	CCONJ
fsr-3203	216	19	genx	genx	PROPN
fsr-3203	216	20	and	and	CCONJ
fsr-3203	216	21	below	below	ADP
fsr-3203	216	22	in	in	ADP
fsr-3203	216	23	2010	2010	NUM
fsr-3203	216	24	.	.	PUNCT
fsr-3203	217	1	the	the	DET
fsr-3203	217	2	use	use	NOUN
fsr-3203	217	3	of	of	ADP
fsr-3203	217	4	a	a	DET
fsr-3203	217	5	financial	financial	ADJ
fsr-3203	217	6	planner	planner	NOUN
fsr-3203	217	7	is	be	AUX
fsr-3203	217	8	greater	great	ADJ
fsr-3203	217	9	in	in	ADP
fsr-3203	217	10	the	the	DET
fsr-3203	217	11	restricted	restricted	ADJ
fsr-3203	217	12	sample	sample	NOUN
fsr-3203	217	13	for	for	ADP
fsr-3203	217	14	respondents	respondent	NOUN
fsr-3203	217	15	versus	versus	ADP
fsr-3203	217	16	the	the	DET
fsr-3203	217	17	use	use	NOUN
fsr-3203	217	18	of	of	ADP
fsr-3203	217	19	a	a	DET
fsr-3203	217	20	planner	planner	NOUN
fsr-3203	217	21	in	in	ADP
fsr-3203	217	22	the	the	DET
fsr-3203	217	23	full	full	ADJ
fsr-3203	217	24	sample	sample	NOUN
fsr-3203	217	25	.	.	PUNCT
fsr-3203	218	1	financial	financial	ADJ
fsr-3203	218	2	attitudes	attitude	NOUN
fsr-3203	218	3	such	such	ADJ
fsr-3203	218	4	as	as	ADP
fsr-3203	218	5	leaving	leave	VERB
fsr-3203	218	6	a	a	DET
fsr-3203	218	7	bequest	bequest	NOUN
fsr-3203	218	8	and	and	CCONJ
fsr-3203	218	9	expecting	expect	VERB
fsr-3203	218	10	to	to	PART
fsr-3203	218	11	leave	leave	VERB
fsr-3203	218	12	a	a	DET
fsr-3203	218	13	sizeable	sizeable	ADJ
fsr-3203	218	14	estate	estate	NOUN
fsr-3203	218	15	did	do	AUX
fsr-3203	218	16	not	not	PART
fsr-3203	218	17	change	change	VERB
fsr-3203	218	18	greatly	greatly	ADV
fsr-3203	218	19	from	from	ADP
fsr-3203	218	20	2004	2004	NUM
fsr-3203	218	21	to	to	ADP
fsr-3203	218	22	2010	2010	NUM
fsr-3203	218	23	in	in	ADP
fsr-3203	218	24	the	the	DET
fsr-3203	218	25	restricted	restricted	ADJ
fsr-3203	218	26	samples	sample	NOUN
fsr-3203	218	27	.	.	PUNCT
fsr-3203	219	1	table	table	NOUN
fsr-3203	219	2	3	3	NUM
fsr-3203	219	3	coding	code	VERB
fsr-3203	219	4	for	for	ADP
fsr-3203	219	5	each	each	DET
fsr-3203	219	6	variable	variable	NOUN
fsr-3203	219	7	from	from	ADP
fsr-3203	219	8	the	the	DET
fsr-3203	219	9	2004	2004	NUM
fsr-3203	219	10	and	and	CCONJ
fsr-3203	219	11	2010	2010	NUM
fsr-3203	219	12	survey	survey	NOUN
fsr-3203	219	13	of	of	ADP
fsr-3203	219	14	consumer	consumer	NOUN
fsr-3203	219	15	finances	finance	NOUN
fsr-3203	219	16	data	datum	NOUN
fsr-3203	219	17	variables	variable	NOUN
fsr-3203	219	18	coding	code	VERB
fsr-3203	219	19	adequate	adequate	ADJ
fsr-3203	219	20	life	life	NOUN
fsr-3203	219	21	insurance	insurance	NOUN
fsr-3203	219	22	(	(	PUNCT
fsr-3203	219	23	dependent	dependent	ADJ
fsr-3203	219	24	)	)	PUNCT
fsr-3203	219	25	1	1	NUM
fsr-3203	219	26	�	�	PROPN
fsr-3203	219	27	adequate	adequate	ADJ
fsr-3203	219	28	life	life	NOUN
fsr-3203	219	29	insurance	insurance	NOUN
fsr-3203	219	30	boomers	boomer	NOUN
fsr-3203	219	31	1	1	NUM
fsr-3203	219	32	�	�	NOUN
fsr-3203	219	33	age	age	NOUN
fsr-3203	219	34	between	between	ADP
fsr-3203	219	35	39	39	NUM
fsr-3203	219	36	and	and	CCONJ
fsr-3203	219	37	58	58	NUM
fsr-3203	219	38	,	,	PUNCT
fsr-3203	219	39	0	0	NUM
fsr-3203	219	40	otherwise	otherwise	ADV
fsr-3203	219	41	in	in	ADP
fsr-3203	219	42	2004	2004	NUM
fsr-3203	219	43	;	;	PUNCT
fsr-3203	219	44	1	1	NUM
fsr-3203	219	45	�	�	NOUN
fsr-3203	219	46	age	age	NOUN
fsr-3203	219	47	between	between	ADP
fsr-3203	219	48	45	45	NUM
fsr-3203	219	49	and	and	CCONJ
fsr-3203	219	50	64	64	NUM
fsr-3203	219	51	,	,	PUNCT
fsr-3203	219	52	0	0	NUM
fsr-3203	219	53	otherwise	otherwise	ADV
fsr-3203	219	54	in	in	ADP
fsr-3203	219	55	2010	2010	NUM
fsr-3203	219	56	seniors	senior	NOUN
fsr-3203	219	57	1	1	NUM
fsr-3203	219	58	�	�	PROPN
fsr-3203	219	59	age	age	NOUN
fsr-3203	219	60	�	�	PROPN
fsr-3203	219	61	59	59	NUM
fsr-3203	219	62	,	,	PUNCT
fsr-3203	219	63	0	0	NUM
fsr-3203	219	64	otherwise	otherwise	ADV
fsr-3203	219	65	in	in	ADP
fsr-3203	219	66	2004	2004	NUM
fsr-3203	219	67	;	;	PUNCT
fsr-3203	219	68	1	1	NUM
fsr-3203	219	69	�	�	PROPN
fsr-3203	219	70	age	age	NOUN
fsr-3203	219	71	�	�	PROPN
fsr-3203	219	72	65	65	NUM
fsr-3203	219	73	,	,	PUNCT
fsr-3203	219	74	0	0	NUM
fsr-3203	219	75	otherwise	otherwise	ADV
fsr-3203	219	76	in	in	ADP
fsr-3203	219	77	2010	2010	NUM
fsr-3203	219	78	generation	generation	NOUN
fsr-3203	219	79	x	x	NOUN
fsr-3203	219	80	and	and	CCONJ
fsr-3203	219	81	below	below	ADP
fsr-3203	219	82	1	1	NUM
fsr-3203	219	83	�	�	PROPN
fsr-3203	219	84	age	age	NOUN
fsr-3203	219	85	�	�	PROPN
fsr-3203	219	86	39	39	NUM
fsr-3203	219	87	,	,	PUNCT
fsr-3203	219	88	0	0	NUM
fsr-3203	219	89	otherwise	otherwise	ADV
fsr-3203	219	90	in	in	ADP
fsr-3203	219	91	2004	2004	NUM
fsr-3203	219	92	;	;	PUNCT
fsr-3203	219	93	1	1	NUM
fsr-3203	219	94	�	�	PROPN
fsr-3203	219	95	age	age	NOUN
fsr-3203	219	96	�	�	PROPN
fsr-3203	219	97	45	45	NUM
fsr-3203	219	98	,	,	PUNCT
fsr-3203	219	99	0	0	NUM
fsr-3203	219	100	otherwise	otherwise	ADV
fsr-3203	219	101	in	in	ADP
fsr-3203	219	102	2010	2010	NUM
fsr-3203	219	103	less	less	ADJ
fsr-3203	219	104	than	than	ADP
fsr-3203	219	105	high	high	ADJ
fsr-3203	219	106	school	school	NOUN
fsr-3203	219	107	1	1	NUM
fsr-3203	219	108	�	�	PROPN
fsr-3203	219	109	yes	yes	INTJ
fsr-3203	219	110	,	,	PUNCT
fsr-3203	219	111	0	0	NUM
fsr-3203	219	112	otherwise	otherwise	ADV
fsr-3203	219	113	high	high	ADJ
fsr-3203	219	114	school	school	NOUN
fsr-3203	219	115	graduate	graduate	NOUN
fsr-3203	219	116	1	1	NUM
fsr-3203	219	117	�	�	NOUN
fsr-3203	219	118	yes	yes	INTJ
fsr-3203	219	119	,	,	PUNCT
fsr-3203	219	120	0	0	NUM
fsr-3203	219	121	otherwise	otherwise	ADV
fsr-3203	219	122	some	some	DET
fsr-3203	219	123	college	college	NOUN
fsr-3203	219	124	1	1	NUM
fsr-3203	219	125	�	�	PROPN
fsr-3203	219	126	yes	yes	INTJ
fsr-3203	219	127	,	,	PUNCT
fsr-3203	219	128	0	0	NUM
fsr-3203	219	129	otherwise	otherwise	ADV
fsr-3203	219	130	college	college	NOUN
fsr-3203	219	131	graduate	graduate	PROPN
fsr-3203	219	132	1	1	NUM
fsr-3203	219	133	�	�	PROPN
fsr-3203	219	134	yes	yes	INTJ
fsr-3203	219	135	,	,	PUNCT
fsr-3203	219	136	0	0	NUM
fsr-3203	219	137	otherwise	otherwise	ADV
fsr-3203	219	138	single	single	ADJ
fsr-3203	219	139	1	1	NUM
fsr-3203	219	140	�	�	NOUN
fsr-3203	219	141	single	single	ADJ
fsr-3203	219	142	,	,	PUNCT
fsr-3203	219	143	divorced	divorced	ADJ
fsr-3203	219	144	,	,	PUNCT
fsr-3203	219	145	or	or	CCONJ
fsr-3203	219	146	widowed	widow	VERB
fsr-3203	219	147	,	,	PUNCT
fsr-3203	219	148	0	0	NUM
fsr-3203	219	149	otherwise	otherwise	ADV
fsr-3203	219	150	non	non	ADJ
fsr-3203	219	151	-	-	ADJ
fsr-3203	219	152	single	single	ADJ
fsr-3203	219	153	1	1	NUM
fsr-3203	219	154	�	�	NOUN
fsr-3203	219	155	married	marry	VERB
fsr-3203	219	156	,	,	PUNCT
fsr-3203	219	157	0	0	NUM
fsr-3203	219	158	otherwise	otherwise	ADV
fsr-3203	219	159	white	white	ADJ
fsr-3203	219	160	1	1	NUM
fsr-3203	219	161	�	�	PROPN
fsr-3203	219	162	yes	yes	INTJ
fsr-3203	219	163	,	,	PUNCT
fsr-3203	219	164	0	0	NUM
fsr-3203	219	165	otherwise	otherwise	ADV
fsr-3203	219	166	black	black	ADJ
fsr-3203	219	167	1	1	NUM
fsr-3203	219	168	�	�	NOUN
fsr-3203	219	169	yes	yes	INTJ
fsr-3203	219	170	,	,	PUNCT
fsr-3203	219	171	0	0	NUM
fsr-3203	219	172	otherwise	otherwise	ADV
fsr-3203	219	173	hispanic	hispanic	ADJ
fsr-3203	219	174	1	1	NUM
fsr-3203	219	175	�	�	PROPN
fsr-3203	219	176	yes	yes	INTJ
fsr-3203	219	177	,	,	PUNCT
fsr-3203	219	178	0	0	NUM
fsr-3203	219	179	otherwise	otherwise	ADV
fsr-3203	219	180	non	non	ADJ
fsr-3203	219	181	-	-	ADJ
fsr-3203	219	182	financial	financial	ADJ
fsr-3203	219	183	planner	planner	NOUN
fsr-3203	219	184	1	1	NUM
fsr-3203	219	185	�	�	PROPN
fsr-3203	219	186	banker	banker	NOUN
fsr-3203	219	187	,	,	PUNCT
fsr-3203	219	188	accountant	accountant	NOUN
fsr-3203	219	189	,	,	PUNCT
fsr-3203	219	190	or	or	CCONJ
fsr-3203	219	191	broker	broker	NOUN
fsr-3203	219	192	,	,	PUNCT
fsr-3203	219	193	0	0	NUM
fsr-3203	219	194	otherwise	otherwise	ADV
fsr-3203	219	195	financial	financial	ADJ
fsr-3203	219	196	planner	planner	NOUN
fsr-3203	219	197	1	1	NUM
fsr-3203	219	198	�	�	PROPN
fsr-3203	219	199	yes	yes	INTJ
fsr-3203	219	200	,	,	PUNCT
fsr-3203	219	201	0	0	NUM
fsr-3203	219	202	otherwise	otherwise	ADV
fsr-3203	219	203	spends	spend	VERB
fsr-3203	219	204	more	more	ADJ
fsr-3203	219	205	than	than	ADP
fsr-3203	219	206	income	income	NOUN
fsr-3203	219	207	1	1	NUM
fsr-3203	219	208	�	�	PROPN
fsr-3203	219	209	yes	yes	INTJ
fsr-3203	219	210	,	,	PUNCT
fsr-3203	219	211	0	0	NUM
fsr-3203	219	212	otherwise	otherwise	ADV
fsr-3203	219	213	expect	expect	VERB
fsr-3203	219	214	income	income	NOUN
fsr-3203	219	215	growth	growth	NOUN
fsr-3203	219	216	1	1	NUM
fsr-3203	219	217	�	�	PROPN
fsr-3203	219	218	yes	yes	INTJ
fsr-3203	219	219	,	,	PUNCT
fsr-3203	219	220	0	0	NUM
fsr-3203	219	221	otherwise	otherwise	ADV
fsr-3203	219	222	substantial	substantial	ADJ
fsr-3203	219	223	risk	risk	NOUN
fsr-3203	219	224	taker	taker	NOUN
fsr-3203	219	225	1	1	NUM
fsr-3203	219	226	�	�	PROPN
fsr-3203	219	227	yes	yes	INTJ
fsr-3203	219	228	,	,	PUNCT
fsr-3203	219	229	0	0	NUM
fsr-3203	219	230	otherwise	otherwise	ADV
fsr-3203	219	231	self	self	NOUN
fsr-3203	219	232	-	-	PUNCT
fsr-3203	219	233	employed	employ	VERB
fsr-3203	219	234	1	1	NUM
fsr-3203	219	235	�	�	NOUN
fsr-3203	219	236	yes	yes	INTJ
fsr-3203	219	237	,	,	PUNCT
fsr-3203	219	238	0	0	NUM
fsr-3203	219	239	otherwise	otherwise	ADV
fsr-3203	219	240	log	log	NOUN
fsr-3203	219	241	of	of	ADP
fsr-3203	219	242	net	net	ADJ
fsr-3203	219	243	worth	worth	ADJ
fsr-3203	219	244	continuous	continuous	ADJ
fsr-3203	219	245	self	self	NOUN
fsr-3203	219	246	-	-	PUNCT
fsr-3203	219	247	insurable	insurable	ADJ
fsr-3203	219	248	1	1	NUM
fsr-3203	219	249	�	�	NOUN
fsr-3203	219	250	assets	asset	NOUN
fsr-3203	219	251	is	be	AUX
fsr-3203	219	252	greater	great	ADJ
fsr-3203	219	253	than	than	ADP
fsr-3203	219	254	the	the	DET
fsr-3203	219	255	present	present	ADJ
fsr-3203	219	256	value	value	NOUN
fsr-3203	219	257	of	of	ADP
fsr-3203	219	258	human	human	ADJ
fsr-3203	219	259	capital	capital	NOUN
fsr-3203	219	260	,	,	PUNCT
fsr-3203	219	261	0	0	NUM
fsr-3203	219	262	otherwise	otherwise	ADV
fsr-3203	219	263	social	social	ADJ
fsr-3203	219	264	security	security	NOUN
fsr-3203	219	265	income	income	NOUN
fsr-3203	219	266	1	1	NUM
fsr-3203	219	267	�	�	PROPN
fsr-3203	219	268	yes	yes	INTJ
fsr-3203	219	269	,	,	PUNCT
fsr-3203	219	270	0	0	NUM
fsr-3203	219	271	otherwise	otherwise	ADV
fsr-3203	219	272	income	income	NOUN
fsr-3203	219	273	�	�	PROPN
fsr-3203	219	274	$	$	SYM
fsr-3203	219	275	35,150	35,150	NUM
fsr-3203	219	276	1	1	NUM
fsr-3203	219	277	�	�	NOUN
fsr-3203	219	278	yes	yes	INTJ
fsr-3203	219	279	,	,	PUNCT
fsr-3203	219	280	0	0	NUM
fsr-3203	219	281	otherwise	otherwise	ADV
fsr-3203	219	282	income	income	NOUN
fsr-3203	219	283	between	between	ADP
fsr-3203	219	284	$	$	SYM
fsr-3203	219	285	35,150–$90,800	35,150–$90,800	NUM
fsr-3203	219	286	1	1	NUM
fsr-3203	219	287	�	�	NOUN
fsr-3203	220	1	yes	yes	INTJ
fsr-3203	220	2	,	,	PUNCT
fsr-3203	220	3	0	0	NUM
fsr-3203	220	4	otherwise	otherwise	ADV
fsr-3203	220	5	income	income	NOUN
fsr-3203	220	6	between	between	ADP
fsr-3203	220	7	$	$	SYM
fsr-3203	220	8	90,800–$147,050	90,800–$147,050	NUM
fsr-3203	220	9	1	1	NUM
fsr-3203	220	10	�	�	NOUN
fsr-3203	220	11	yes	yes	INTJ
fsr-3203	220	12	,	,	PUNCT
fsr-3203	220	13	0	0	NUM
fsr-3203	220	14	otherwise	otherwise	ADV
fsr-3203	220	15	income	income	NOUN
fsr-3203	220	16	between	between	ADP
fsr-3203	220	17	$	$	SYM
fsr-3203	220	18	147,050–$288,350	147,050–$288,350	NUM
fsr-3203	220	19	1	1	NUM
fsr-3203	220	20	�	�	PROPN
fsr-3203	220	21	yes	yes	INTJ
fsr-3203	220	22	,	,	PUNCT
fsr-3203	220	23	0	0	NUM
fsr-3203	220	24	otherwise	otherwise	ADV
fsr-3203	220	25	income	income	NOUN
fsr-3203	220	26	�	�	PROPN
fsr-3203	220	27	$	$	SYM
fsr-3203	220	28	288,350	288,350	NUM
fsr-3203	220	29	1	1	NUM
fsr-3203	220	30	�	�	NOUN
fsr-3203	220	31	yes	yes	INTJ
fsr-3203	220	32	,	,	PUNCT
fsr-3203	220	33	0	0	NUM
fsr-3203	220	34	otherwise	otherwise	ADV
fsr-3203	220	35	poor	poor	ADJ
fsr-3203	220	36	health	health	NOUN
fsr-3203	220	37	1	1	NUM
fsr-3203	220	38	�	�	PROPN
fsr-3203	220	39	yes	yes	INTJ
fsr-3203	220	40	,	,	PUNCT
fsr-3203	220	41	0	0	NUM
fsr-3203	220	42	otherwise	otherwise	ADV
fsr-3203	220	43	good	good	ADJ
fsr-3203	220	44	or	or	CCONJ
fsr-3203	220	45	excellent	excellent	ADJ
fsr-3203	220	46	health	health	NOUN
fsr-3203	220	47	1	1	NUM
fsr-3203	220	48	�	�	PROPN
fsr-3203	221	1	yes	yes	INTJ
fsr-3203	221	2	,	,	PUNCT
fsr-3203	221	3	0	0	NUM
fsr-3203	221	4	otherwise	otherwise	ADV
fsr-3203	221	5	bequest	bequest	NOUN
fsr-3203	221	6	motive	motive	VERB
fsr-3203	221	7	1	1	NUM
fsr-3203	221	8	�	�	NOUN
fsr-3203	221	9	very	very	ADV
fsr-3203	221	10	important	important	ADJ
fsr-3203	221	11	/	/	SYM
fsr-3203	221	12	important	important	ADJ
fsr-3203	221	13	,	,	PUNCT
fsr-3203	221	14	or	or	CCONJ
fsr-3203	221	15	positive	positive	ADJ
fsr-3203	221	16	,	,	PUNCT
fsr-3203	221	17	differing	differ	VERB
fsr-3203	221	18	among	among	ADP
fsr-3203	221	19	spouses	spouse	NOUN
fsr-3203	221	20	,	,	PUNCT
fsr-3203	221	21	weak	weak	ADJ
fsr-3203	221	22	positive	positive	ADJ
fsr-3203	221	23	,	,	PUNCT
fsr-3203	221	24	or	or	CCONJ
fsr-3203	221	25	negative	negative	ADJ
fsr-3203	221	26	�	�	PROPN
fsr-3203	221	27	0	0	NUM
fsr-3203	221	28	have	have	VERB
fsr-3203	221	29	children	child	NOUN
fsr-3203	221	30	1	1	NUM
fsr-3203	221	31	�	�	PROPN
fsr-3203	221	32	kids	kid	NOUN
fsr-3203	221	33	living	live	VERB
fsr-3203	221	34	at	at	ADP
fsr-3203	221	35	home	home	NOUN
fsr-3203	221	36	or	or	CCONJ
fsr-3203	221	37	away	away	ADV
fsr-3203	221	38	from	from	ADP
fsr-3203	221	39	home	home	NOUN
fsr-3203	221	40	,	,	PUNCT
fsr-3203	221	41	0	0	NUM
fsr-3203	221	42	otherwise	otherwise	ADV
fsr-3203	221	43	expect	expect	VERB
fsr-3203	221	44	to	to	PART
fsr-3203	221	45	leave	leave	VERB
fsr-3203	221	46	sizeable	sizeable	ADJ
fsr-3203	221	47	estate	estate	NOUN
fsr-3203	221	48	1	1	NUM
fsr-3203	221	49	�	�	NOUN
fsr-3203	221	50	yes	yes	INTJ
fsr-3203	221	51	or	or	CCONJ
fsr-3203	221	52	possibly	possibly	ADV
fsr-3203	221	53	,	,	PUNCT
fsr-3203	221	54	0	0	NUM
fsr-3203	221	55	otherwise	otherwise	ADV
fsr-3203	221	56	homeowner	homeowner	NOUN
fsr-3203	221	57	1	1	NUM
fsr-3203	221	58	�	�	PROPN
fsr-3203	221	59	own	own	ADJ
fsr-3203	221	60	ranch	ranch	NOUN
fsr-3203	221	61	/	/	SYM
fsr-3203	221	62	farm	farm	NOUN
fsr-3203	221	63	/	/	SYM
fsr-3203	221	64	mobile	mobile	NOUN
fsr-3203	221	65	home	home	NOUN
fsr-3203	221	66	/	/	SYM
fsr-3203	221	67	house	house	NOUN
fsr-3203	221	68	/	/	SYM
fsr-3203	221	69	condo	condo	NOUN
fsr-3203	221	70	/	/	SYM
fsr-3203	221	71	coop/	coop/	NUM
fsr-3203	221	72	�	�	NOUN
fsr-3203	221	73	,	,	PUNCT
fsr-3203	221	74	0	0	NUM
fsr-3203	221	75	otherwise	otherwise	ADV
fsr-3203	221	76	297j.k	297j.k	NUM
fsr-3203	221	77	.	.	PUNCT
fsr-3203	222	1	scott	scott	PROPN
fsr-3203	222	2	,	,	PUNCT
fsr-3203	222	3	j.	j.	PROPN
fsr-3203	222	4	gilliam	gilliam	PROPN
fsr-3203	222	5	/	/	SYM
fsr-3203	222	6	financial	financial	PROPN
fsr-3203	222	7	services	service	NOUN
fsr-3203	222	8	review	review	VERB
fsr-3203	222	9	23	23	NUM
fsr-3203	222	10	(	(	PUNCT
fsr-3203	222	11	2014	2014	NUM
fsr-3203	222	12	)	)	PUNCT
fsr-3203	223	1	287–304	287–304	NUM
fsr-3203	223	2	5	5	NUM
fsr-3203	223	3	.	.	PUNCT
fsr-3203	223	4	results	result	VERB
fsr-3203	223	5	a	a	DET
fsr-3203	223	6	pearson	pearson	NOUN
fsr-3203	223	7	correlation	correlation	NOUN
fsr-3203	223	8	test	test	NOUN
fsr-3203	223	9	was	be	AUX
fsr-3203	223	10	implemented	implement	VERB
fsr-3203	223	11	with	with	ADP
fsr-3203	223	12	all	all	DET
fsr-3203	223	13	variables	variable	NOUN
fsr-3203	223	14	in	in	ADP
fsr-3203	223	15	the	the	DET
fsr-3203	223	16	regression	regression	NOUN
fsr-3203	223	17	models	model	NOUN
fsr-3203	223	18	(	(	PUNCT
fsr-3203	223	19	e.g.	e.g.	ADV
fsr-3203	223	20	,	,	PUNCT
fsr-3203	223	21	between	between	ADP
fsr-3203	223	22	net	net	ADJ
fsr-3203	223	23	worth	worth	NOUN
fsr-3203	223	24	and	and	CCONJ
fsr-3203	223	25	income	income	NOUN
fsr-3203	223	26	)	)	PUNCT
fsr-3203	223	27	to	to	PART
fsr-3203	223	28	avoid	avoid	VERB
fsr-3203	223	29	multi	multi	ADJ
fsr-3203	223	30	-	-	ADJ
fsr-3203	223	31	collinearity	collinearity	ADJ
fsr-3203	223	32	issues	issue	NOUN
fsr-3203	223	33	.	.	PUNCT
fsr-3203	224	1	we	we	PRON
fsr-3203	224	2	did	do	AUX
fsr-3203	224	3	not	not	PART
fsr-3203	224	4	detect	detect	VERB
fsr-3203	224	5	any	any	DET
fsr-3203	224	6	evidence	evidence	NOUN
fsr-3203	224	7	of	of	ADP
fsr-3203	224	8	multi	multi	NOUN
fsr-3203	224	9	-	-	NOUN
fsr-3203	224	10	collinearity	collinearity	NOUN
fsr-3203	224	11	.	.	PUNCT
fsr-3203	225	1	two	two	NUM
fsr-3203	225	2	binomial	binomial	ADJ
fsr-3203	225	3	logistic	logistic	ADJ
fsr-3203	225	4	regression	regression	NOUN
fsr-3203	225	5	models	model	NOUN
fsr-3203	225	6	are	be	AUX
fsr-3203	225	7	tested	test	VERB
fsr-3203	225	8	.	.	PUNCT
fsr-3203	226	1	the	the	DET
fsr-3203	226	2	first	first	ADJ
fsr-3203	226	3	,	,	PUNCT
fsr-3203	226	4	shown	show	VERB
fsr-3203	226	5	in	in	ADP
fsr-3203	226	6	table	table	NOUN
fsr-3203	226	7	5	5	NUM
fsr-3203	226	8	,	,	PUNCT
fsr-3203	226	9	represents	represent	VERB
fsr-3203	226	10	all	all	DET
fsr-3203	226	11	respondents	respondent	NOUN
fsr-3203	226	12	in	in	ADP
fsr-3203	226	13	the	the	DET
fsr-3203	226	14	censored	censored	ADJ
fsr-3203	226	15	sample	sample	NOUN
fsr-3203	226	16	,	,	PUNCT
fsr-3203	226	17	while	while	SCONJ
fsr-3203	226	18	table	table	NOUN
fsr-3203	226	19	6	6	NUM
fsr-3203	226	20	shows	show	VERB
fsr-3203	226	21	results	result	NOUN
fsr-3203	226	22	for	for	ADP
fsr-3203	226	23	only	only	ADJ
fsr-3203	226	24	baby	baby	NOUN
fsr-3203	226	25	boomers	boomer	NOUN
fsr-3203	226	26	in	in	ADP
fsr-3203	226	27	the	the	DET
fsr-3203	226	28	censored	censored	ADJ
fsr-3203	226	29	sample	sample	NOUN
fsr-3203	226	30	.	.	PUNCT
fsr-3203	227	1	table	table	NOUN
fsr-3203	227	2	4	4	NUM
fsr-3203	227	3	weighted	weight	VERB
fsr-3203	227	4	frequencies	frequency	NOUN
fsr-3203	227	5	of	of	ADP
fsr-3203	227	6	all	all	DET
fsr-3203	227	7	respondents	respondent	NOUN
fsr-3203	227	8	and	and	CCONJ
fsr-3203	227	9	censored	censor	VERB
fsr-3203	227	10	sample	sample	NOUN
fsr-3203	227	11	(	(	PUNCT
fsr-3203	227	12	used	use	VERB
fsr-3203	227	13	for	for	ADP
fsr-3203	227	14	adequate	adequate	ADJ
fsr-3203	227	15	life	life	NOUN
fsr-3203	227	16	insurance	insurance	NOUN
fsr-3203	227	17	;	;	PUNCT
fsr-3203	227	18	in	in	ADP
fsr-3203	227	19	%	%	NOUN
fsr-3203	227	20	)	)	PUNCT
fsr-3203	227	21	2004	2004	NUM
fsr-3203	227	22	2010	2010	NUM
fsr-3203	227	23	all	all	DET
fsr-3203	227	24	respondents	respondent	NOUN
fsr-3203	227	25	(	(	PUNCT
fsr-3203	227	26	n	n	X
fsr-3203	227	27	�	�	PROPN
fsr-3203	227	28	4,519	4,519	NUM
fsr-3203	227	29	)	)	PUNCT
fsr-3203	227	30	restricted	restrict	VERB
fsr-3203	227	31	sample	sample	NOUN
fsr-3203	227	32	(	(	PUNCT
fsr-3203	227	33	n	n	X
fsr-3203	227	34	�	�	PROPN
fsr-3203	227	35	1,966	1,966	NUM
fsr-3203	227	36	)	)	PUNCT
fsr-3203	227	37	all	all	DET
fsr-3203	227	38	respondents	respondent	NOUN
fsr-3203	227	39	(	(	PUNCT
fsr-3203	227	40	n	n	X
fsr-3203	227	41	�	�	PROPN
fsr-3203	227	42	6,482	6,482	NUM
fsr-3203	227	43	)	)	PUNCT
fsr-3203	227	44	restricted	restrict	VERB
fsr-3203	227	45	sample	sample	NOUN
fsr-3203	227	46	(	(	PUNCT
fsr-3203	227	47	n	n	X
fsr-3203	227	48	�	�	PROPN
fsr-3203	227	49	2,612	2,612	NUM
fsr-3203	227	50	)	)	PUNCT
fsr-3203	227	51	adequate	adequate	ADJ
fsr-3203	227	52	life	life	NOUN
fsr-3203	227	53	insurance	insurance	NOUN
fsr-3203	227	54	(	(	PUNCT
fsr-3203	227	55	dependent	dependent	ADJ
fsr-3203	227	56	)	)	PUNCT
fsr-3203	227	57	15.41	15.41	NUM
fsr-3203	227	58	14.16	14.16	NUM
fsr-3203	227	59	cohorts	cohort	VERB
fsr-3203	227	60	boomers	boomer	NOUN
fsr-3203	227	61	69.18	69.18	NUM
fsr-3203	227	62	64.36	64.36	NUM
fsr-3203	227	63	59.58	59.58	NUM
fsr-3203	227	64	70.81	70.81	NUM
fsr-3203	227	65	seniors	senior	NOUN
fsr-3203	227	66	16.02	16.02	NUM
fsr-3203	227	67	28.05	28.05	NUM
fsr-3203	227	68	5.70	5.70	NUM
fsr-3203	227	69	11.08	11.08	NUM
fsr-3203	227	70	genx	genx	NOUN
fsr-3203	227	71	and	and	CCONJ
fsr-3203	227	72	below	below	ADP
fsr-3203	227	73	14.80	14.80	NUM
fsr-3203	227	74	7.59	7.59	NUM
fsr-3203	227	75	34.72	34.72	NUM
fsr-3203	227	76	18.11	18.11	NUM
fsr-3203	227	77	education	education	NOUN
fsr-3203	227	78	less	less	ADJ
fsr-3203	227	79	than	than	ADP
fsr-3203	227	80	high	high	ADJ
fsr-3203	227	81	school	school	NOUN
fsr-3203	227	82	education	education	NOUN
fsr-3203	227	83	9.16	9.16	NUM
fsr-3203	227	84	3.30	3.30	NUM
fsr-3203	227	85	9.91	9.91	NUM
fsr-3203	227	86	4.59	4.59	NUM
fsr-3203	227	87	high	high	ADJ
fsr-3203	227	88	school	school	NOUN
fsr-3203	227	89	grad	grad	NOUN
fsr-3203	227	90	18.97	18.97	NUM
fsr-3203	227	91	15.51	15.51	NUM
fsr-3203	227	92	20.72	20.72	NUM
fsr-3203	227	93	16.76	16.76	NUM
fsr-3203	227	94	some	some	DET
fsr-3203	227	95	college	college	NOUN
fsr-3203	227	96	17.90	17.90	NUM
fsr-3203	227	97	17.16	17.16	NUM
fsr-3203	227	98	19.82	19.82	NUM
fsr-3203	227	99	14.32	14.32	NUM
fsr-3203	227	100	college	college	NOUN
fsr-3203	227	101	grad	grad	NOUN
fsr-3203	227	102	53.97	53.97	NUM
fsr-3203	227	103	64.03	64.03	NUM
fsr-3203	227	104	49.55	49.55	NUM
fsr-3203	227	105	64.32	64.32	NUM
fsr-3203	227	106	good	good	ADJ
fsr-3203	227	107	or	or	CCONJ
fsr-3203	227	108	excellent	excellent	ADJ
fsr-3203	227	109	health	health	NOUN
fsr-3203	227	110	88.56	88.56	NUM
fsr-3203	227	111	91.42	91.42	NUM
fsr-3203	227	112	86.73	86.73	NUM
fsr-3203	227	113	88.11	88.11	NUM
fsr-3203	227	114	financial	financial	ADJ
fsr-3203	227	115	professional	professional	ADJ
fsr-3203	227	116	financial	financial	ADJ
fsr-3203	227	117	planner	planner	NOUN
fsr-3203	227	118	15.51	15.51	NUM
fsr-3203	227	119	21.78	21.78	NUM
fsr-3203	227	120	15.68	15.68	NUM
fsr-3203	227	121	22.16	22.16	NUM
fsr-3203	227	122	non	non	ADJ
fsr-3203	227	123	-	-	ADJ
fsr-3203	227	124	financial	financial	ADJ
fsr-3203	227	125	planner	planner	NOUN
fsr-3203	227	126	84.49	84.49	NUM
fsr-3203	227	127	78.22	78.22	NUM
fsr-3203	227	128	84.32	84.32	NUM
fsr-3203	227	129	77.84	77.84	NUM
fsr-3203	227	130	marital	marital	ADJ
fsr-3203	227	131	status	status	NOUN
fsr-3203	227	132	married	marry	VERB
fsr-3203	227	133	81.99	81.99	NUM
fsr-3203	227	134	89.77	89.77	NUM
fsr-3203	227	135	80.37	80.37	NUM
fsr-3203	227	136	98.38	98.38	NUM
fsr-3203	227	137	single	single	ADJ
fsr-3203	227	138	18.01	18.01	NUM
fsr-3203	227	139	10.23	10.23	NUM
fsr-3203	227	140	19.63	19.63	NUM
fsr-3203	227	141	1.62	1.62	NUM
fsr-3203	227	142	race	race	NOUN
fsr-3203	227	143	black	black	ADJ
fsr-3203	227	144	7.22	7.22	NUM
fsr-3203	227	145	5.28	5.28	NUM
fsr-3203	227	146	8.66	8.66	NUM
fsr-3203	227	147	2.97	2.97	NUM
fsr-3203	227	148	hispanic	hispanic	NOUN
fsr-3203	227	149	7.27	7.27	NUM
fsr-3203	227	150	1.98	1.98	NUM
fsr-3203	227	151	9.79	9.79	NUM
fsr-3203	227	152	3.78	3.78	NUM
fsr-3203	227	153	white	white	ADJ
fsr-3203	227	154	85.50	85.50	NUM
fsr-3203	227	155	92.74	92.74	NUM
fsr-3203	227	156	81.55	81.55	NUM
fsr-3203	227	157	93.24	93.24	NUM
fsr-3203	227	158	have	have	VERB
fsr-3203	227	159	children	child	NOUN
fsr-3203	227	160	93.08	93.08	NUM
fsr-3203	227	161	95.38	95.38	NUM
fsr-3203	227	162	92.82	92.82	NUM
fsr-3203	227	163	95.41	95.41	NUM
fsr-3203	227	164	attitudes	attitude	NOUN
fsr-3203	227	165	/	/	SYM
fsr-3203	227	166	expectations	expectation	NOUN
fsr-3203	227	167	spends	spend	VERB
fsr-3203	227	168	�	�	PROPN
fsr-3203	227	169	income	income	PROPN
fsr-3203	227	170	13.12	13.12	NUM
fsr-3203	227	171	10.89	10.89	NUM
fsr-3203	227	172	15.45	15.45	NUM
fsr-3203	227	173	11.35	11.35	NUM
fsr-3203	227	174	expect	expect	VERB
fsr-3203	227	175	income	income	NOUN
fsr-3203	227	176	growth	growth	NOUN
fsr-3203	227	177	32.25	32.25	NUM
fsr-3203	227	178	35.64	35.64	NUM
fsr-3203	227	179	23.06	23.06	NUM
fsr-3203	227	180	27.03	27.03	NUM
fsr-3203	227	181	substantial	substantial	ADJ
fsr-3203	227	182	risk	risk	NOUN
fsr-3203	227	183	taker	taker	NOUN
fsr-3203	227	184	5.54	5.54	NUM
fsr-3203	227	185	6.27	6.27	NUM
fsr-3203	227	186	5.03	5.03	NUM
fsr-3203	227	187	6.22	6.22	NUM
fsr-3203	227	188	bequest	bequest	NOUN
fsr-3203	227	189	motive	motive	VERB
fsr-3203	227	190	57.27	57.27	NUM
fsr-3203	227	191	54.46	54.46	NUM
fsr-3203	227	192	55.01	55.01	NUM
fsr-3203	227	193	54.05	54.05	NUM
fsr-3203	227	194	expect	expect	VERB
fsr-3203	227	195	to	to	PART
fsr-3203	227	196	leave	leave	VERB
fsr-3203	227	197	sizeable	sizeable	ADJ
fsr-3203	227	198	estate	estate	NOUN
fsr-3203	227	199	68.41	68.41	NUM
fsr-3203	227	200	74.92	74.92	NUM
fsr-3203	227	201	66.84	66.84	NUM
fsr-3203	227	202	75.41	75.41	NUM
fsr-3203	227	203	self	self	NOUN
fsr-3203	227	204	-	-	PUNCT
fsr-3203	227	205	employed	employ	VERB
fsr-3203	227	206	39.01	39.01	NUM
fsr-3203	227	207	47.19	47.19	NUM
fsr-3203	227	208	32.27	32.27	NUM
fsr-3203	227	209	42.43	42.43	NUM
fsr-3203	227	210	homeowner	homeowner	NOUN
fsr-3203	227	211	85.10	85.10	NUM
fsr-3203	227	212	94.06	94.06	NUM
fsr-3203	227	213	81.27	81.27	NUM
fsr-3203	227	214	95.14	95.14	NUM
fsr-3203	227	215	ability	ability	NOUN
fsr-3203	227	216	to	to	PART
fsr-3203	227	217	self	self	NOUN
fsr-3203	227	218	-	-	PUNCT
fsr-3203	227	219	insure	insure	VERB
fsr-3203	227	220	47.91	47.91	NUM
fsr-3203	227	221	71.62	71.62	NUM
fsr-3203	227	222	45.34	45.34	NUM
fsr-3203	227	223	62.16	62.16	NUM
fsr-3203	227	224	social	social	ADJ
fsr-3203	227	225	security	security	NOUN
fsr-3203	227	226	benefits	benefit	VERB
fsr-3203	227	227	5.95	5.95	NUM
fsr-3203	227	228	9.57	9.57	NUM
fsr-3203	227	229	5.93	5.93	NUM
fsr-3203	227	230	12.43	12.43	NUM
fsr-3203	227	231	income	income	NOUN
fsr-3203	227	232	�	�	NOUN
fsr-3203	227	233	$	$	SYM
fsr-3203	227	234	35,150	35,150	NUM
fsr-3203	227	235	12.77	12.77	NUM
fsr-3203	227	236	6.27	6.27	NUM
fsr-3203	227	237	12.88	12.88	NUM
fsr-3203	227	238	2.43	2.43	NUM
fsr-3203	227	239	$	$	SYM
fsr-3203	227	240	35,150–$90,800	35,150–$90,800	NUM
fsr-3203	227	241	32.25	32.25	NUM
fsr-3203	227	242	26.40	26.40	NUM
fsr-3203	227	243	33.94	33.94	NUM
fsr-3203	227	244	24.59	24.59	NUM
fsr-3203	227	245	$	$	SYM
fsr-3203	227	246	90,800–$147,050	90,800–$147,050	NUM
fsr-3203	227	247	14.39	14.39	NUM
fsr-3203	227	248	14.85	14.85	NUM
fsr-3203	227	249	17.13	17.13	NUM
fsr-3203	227	250	17.30	17.30	NUM
fsr-3203	227	251	$	$	SYM
fsr-3203	227	252	147,050–$288,350	147,050–$288,350	NUM
fsr-3203	227	253	12.46	12.46	NUM
fsr-3203	227	254	17.16	17.16	NUM
fsr-3203	227	255	13.38	13.38	NUM
fsr-3203	227	256	23.51	23.51	NUM
fsr-3203	227	257	�	�	SYM
fsr-3203	227	258	$	$	SYM
fsr-3203	227	259	288,350	288,350	NUM
fsr-3203	227	260	28.13	28.13	NUM
fsr-3203	227	261	35.31	35.31	NUM
fsr-3203	227	262	22.67	22.67	NUM
fsr-3203	227	263	32.16	32.16	NUM
fsr-3203	227	264	298	298	NUM
fsr-3203	227	265	j.k	j.k	PROPN
fsr-3203	227	266	.	.	PROPN
fsr-3203	227	267	scott	scott	PROPN
fsr-3203	227	268	,	,	PUNCT
fsr-3203	227	269	j.	j.	PROPN
fsr-3203	227	270	gilliam	gilliam	PROPN
fsr-3203	227	271	/	/	SYM
fsr-3203	227	272	financial	financial	PROPN
fsr-3203	227	273	services	service	NOUN
fsr-3203	227	274	review	review	VERB
fsr-3203	227	275	23	23	NUM
fsr-3203	227	276	(	(	PUNCT
fsr-3203	227	277	2014	2014	NUM
fsr-3203	227	278	)	)	PUNCT
fsr-3203	228	1	287–304	287–304	NUM
fsr-3203	228	2	in	in	ADP
fsr-3203	228	3	the	the	DET
fsr-3203	228	4	first	first	ADJ
fsr-3203	228	5	regression	regression	NOUN
fsr-3203	228	6	(	(	PUNCT
fsr-3203	228	7	see	see	VERB
fsr-3203	228	8	table	table	NOUN
fsr-3203	228	9	5	5	NUM
fsr-3203	228	10	)	)	PUNCT
fsr-3203	228	11	generational	generational	ADJ
fsr-3203	228	12	groups	group	NOUN
fsr-3203	228	13	vary	vary	VERB
fsr-3203	228	14	significantly	significantly	ADV
fsr-3203	228	15	according	accord	VERB
fsr-3203	228	16	to	to	ADP
fsr-3203	228	17	amounts	amount	NOUN
fsr-3203	228	18	of	of	ADP
fsr-3203	228	19	adequate	adequate	ADJ
fsr-3203	228	20	life	life	NOUN
fsr-3203	228	21	insurance	insurance	NOUN
fsr-3203	228	22	in	in	ADP
fsr-3203	228	23	2010	2010	NUM
fsr-3203	228	24	.	.	PUNCT
fsr-3203	229	1	the	the	DET
fsr-3203	229	2	baby	baby	NOUN
fsr-3203	229	3	boomer	boomer	NOUN
fsr-3203	229	4	generation	generation	NOUN
fsr-3203	229	5	was	be	AUX
fsr-3203	229	6	62	62	NUM
fsr-3203	229	7	%	%	NOUN
fsr-3203	229	8	more	more	ADV
fsr-3203	229	9	likely	likely	ADJ
fsr-3203	229	10	than	than	ADP
fsr-3203	229	11	the	the	DET
fsr-3203	229	12	senior	senior	ADJ
fsr-3203	229	13	generation	generation	NOUN
fsr-3203	229	14	to	to	PART
fsr-3203	229	15	have	have	VERB
fsr-3203	229	16	adequate	adequate	ADJ
fsr-3203	229	17	life	life	NOUN
fsr-3203	229	18	insurance	insurance	NOUN
fsr-3203	229	19	.	.	PUNCT
fsr-3203	230	1	the	the	DET
fsr-3203	230	2	financial	financial	ADJ
fsr-3203	230	3	crisis	crisis	NOUN
fsr-3203	230	4	also	also	ADV
fsr-3203	230	5	impacted	impact	VERB
fsr-3203	230	6	racial	racial	ADJ
fsr-3203	230	7	disparities	disparity	NOUN
fsr-3203	230	8	among	among	ADP
fsr-3203	230	9	household	household	NOUN
fsr-3203	230	10	life	life	NOUN
fsr-3203	230	11	insurance	insurance	NOUN
fsr-3203	230	12	holdings	holding	NOUN
fsr-3203	230	13	.	.	PUNCT
fsr-3203	231	1	in	in	ADP
fsr-3203	231	2	2004	2004	NUM
fsr-3203	231	3	,	,	PUNCT
fsr-3203	231	4	hispanic	hispanic	ADJ
fsr-3203	231	5	households	household	NOUN
fsr-3203	231	6	were	be	AUX
fsr-3203	231	7	less	less	ADV
fsr-3203	231	8	likely	likely	ADJ
fsr-3203	231	9	than	than	ADP
fsr-3203	231	10	white	white	ADJ
fsr-3203	231	11	households	household	NOUN
fsr-3203	231	12	to	to	PART
fsr-3203	231	13	have	have	VERB
fsr-3203	231	14	adequate	adequate	ADJ
fsr-3203	231	15	life	life	NOUN
fsr-3203	231	16	insurance	insurance	NOUN
fsr-3203	231	17	;	;	PUNCT
fsr-3203	231	18	however	however	ADV
fsr-3203	231	19	,	,	PUNCT
fsr-3203	231	20	there	there	PRON
fsr-3203	231	21	was	be	VERB
fsr-3203	231	22	not	not	PART
fsr-3203	231	23	a	a	DET
fsr-3203	231	24	significant	significant	ADJ
fsr-3203	231	25	difference	difference	NOUN
fsr-3203	231	26	in	in	ADP
fsr-3203	231	27	2010	2010	NUM
fsr-3203	231	28	.	.	PUNCT
fsr-3203	232	1	households	household	NOUN
fsr-3203	232	2	who	who	PRON
fsr-3203	232	3	can	can	AUX
fsr-3203	232	4	afford	afford	VERB
fsr-3203	232	5	to	to	PART
fsr-3203	232	6	self	self	NOUN
fsr-3203	232	7	-	-	PUNCT
fsr-3203	232	8	insure	insure	VERB
fsr-3203	232	9	,	,	PUNCT
fsr-3203	232	10	having	have	VERB
fsr-3203	232	11	assets	asset	NOUN
fsr-3203	232	12	greater	great	ADJ
fsr-3203	232	13	than	than	ADP
fsr-3203	232	14	human	human	ADJ
fsr-3203	232	15	capital	capital	NOUN
fsr-3203	232	16	,	,	PUNCT
fsr-3203	232	17	demonstrated	demonstrate	VERB
fsr-3203	232	18	greater	great	ADJ
fsr-3203	232	19	life	life	NOUN
fsr-3203	232	20	insurance	insurance	NOUN
fsr-3203	232	21	adequacy	adequacy	NOUN
fsr-3203	232	22	in	in	ADP
fsr-3203	232	23	both	both	DET
fsr-3203	232	24	survey	survey	NOUN
fsr-3203	232	25	years	year	NOUN
fsr-3203	232	26	.	.	PUNCT
fsr-3203	233	1	in	in	ADP
fsr-3203	233	2	2010	2010	NUM
fsr-3203	233	3	,	,	PUNCT
fsr-3203	233	4	married	married	ADJ
fsr-3203	233	5	household	household	NOUN
fsr-3203	233	6	as	as	SCONJ
fsr-3203	233	7	compared	compare	VERB
fsr-3203	233	8	with	with	ADP
fsr-3203	233	9	single	single	ADJ
fsr-3203	233	10	households	household	NOUN
fsr-3203	233	11	were	be	AUX
fsr-3203	233	12	more	more	ADV
fsr-3203	233	13	likely	likely	ADJ
fsr-3203	233	14	to	to	PART
fsr-3203	233	15	have	have	VERB
fsr-3203	233	16	adequate	adequate	ADJ
fsr-3203	233	17	life	life	NOUN
fsr-3203	233	18	insurance	insurance	NOUN
fsr-3203	233	19	coverage	coverage	NOUN
fsr-3203	233	20	.	.	PUNCT
fsr-3203	234	1	this	this	PRON
fsr-3203	234	2	is	be	AUX
fsr-3203	234	3	consistent	consistent	ADJ
fsr-3203	234	4	with	with	ADP
fsr-3203	234	5	what	what	PRON
fsr-3203	234	6	we	we	PRON
fsr-3203	234	7	expected	expect	VERB
fsr-3203	234	8	,	,	PUNCT
fsr-3203	234	9	given	give	VERB
fsr-3203	234	10	household	household	NOUN
fsr-3203	234	11	economies	economy	NOUN
fsr-3203	234	12	of	of	ADP
fsr-3203	234	13	scale	scale	NOUN
fsr-3203	234	14	.	.	PUNCT
fsr-3203	235	1	table	table	NOUN
fsr-3203	235	2	5	5	NUM
fsr-3203	235	3	regression	regression	NOUN
fsr-3203	235	4	results	result	NOUN
fsr-3203	235	5	:	:	PUNCT
fsr-3203	235	6	dv	dv	PROPN
fsr-3203	235	7	�	�	PROPN
fsr-3203	235	8	adequate	adequate	ADJ
fsr-3203	235	9	insurance	insurance	NOUN
fsr-3203	235	10	(	(	PUNCT
fsr-3203	235	11	insurance	insurance	NOUN
fsr-3203	235	12	ratio	ratio	NOUN
fsr-3203	235	13	�	�	PROPN
fsr-3203	235	14	1	1	NUM
fsr-3203	235	15	)	)	PUNCT
fsr-3203	235	16	variables	variable	NOUN
fsr-3203	235	17	2004	2004	NUM
fsr-3203	235	18	(	(	PUNCT
fsr-3203	235	19	n	n	X
fsr-3203	235	20	�	�	PROPN
fsr-3203	235	21	1,966	1,966	NUM
fsr-3203	235	22	)	)	PUNCT
fsr-3203	235	23	2010	2010	NUM
fsr-3203	235	24	(	(	PUNCT
fsr-3203	235	25	n	n	X
fsr-3203	235	26	�	�	PROPN
fsr-3203	235	27	2,563	2,563	NUM
fsr-3203	235	28	)	)	PUNCT
fsr-3203	235	29	parameter	parameter	NOUN
fsr-3203	235	30	estimate	estimate	NOUN
fsr-3203	235	31	odds	odd	NOUN
fsr-3203	235	32	ratio	ratio	NOUN
fsr-3203	235	33	parameter	parameter	NOUN
fsr-3203	235	34	estimate	estimate	NOUN
fsr-3203	235	35	odds	odd	VERB
fsr-3203	235	36	ratio	ratio	NOUN
fsr-3203	235	37	adequate	adequate	ADJ
fsr-3203	235	38	life	life	NOUN
fsr-3203	235	39	insurance	insurance	NOUN
fsr-3203	235	40	(	(	PUNCT
fsr-3203	235	41	dependent	dependent	ADJ
fsr-3203	235	42	)	)	PUNCT
fsr-3203	235	43	generation	generation	NOUN
fsr-3203	235	44	(	(	PUNCT
fsr-3203	235	45	senior	senior	ADJ
fsr-3203	235	46	)	)	PUNCT
fsr-3203	235	47	boomer	boomer	PROPN
fsr-3203	235	48	�	�	PROPN
fsr-3203	235	49	0.06	0.06	NUM
fsr-3203	235	50	0.70	0.70	NUM
fsr-3203	235	51	0.34	0.34	NUM
fsr-3203	235	52	*	*	PUNCT
fsr-3203	235	53	*	*	PROPN
fsr-3203	235	54	1.62	1.62	NUM
fsr-3203	235	55	genx	genx	NOUN
fsr-3203	235	56	and	and	CCONJ
fsr-3203	235	57	below	below	ADP
fsr-3203	235	58	�	�	PROPN
fsr-3203	235	59	0.25	0.25	NUM
fsr-3203	235	60	0.57	0.57	NUM
fsr-3203	235	61	�	�	PROPN
fsr-3203	235	62	0.20	0.20	NUM
fsr-3203	235	63	0.95	0.95	NUM
fsr-3203	235	64	education	education	NOUN
fsr-3203	235	65	(	(	PUNCT
fsr-3203	235	66	�	�	NOUN
fsr-3203	235	67	high	high	ADJ
fsr-3203	235	68	school	school	NOUN
fsr-3203	235	69	)	)	PUNCT
fsr-3203	235	70	high	high	ADJ
fsr-3203	235	71	school	school	NOUN
fsr-3203	235	72	grad	grad	NOUN
fsr-3203	235	73	0.14	0.14	NUM
fsr-3203	235	74	1.99	1.99	NUM
fsr-3203	235	75	0.11	0.11	NUM
fsr-3203	235	76	1.42	1.42	NUM
fsr-3203	235	77	some	some	DET
fsr-3203	235	78	college	college	NOUN
fsr-3203	235	79	0.22	0.22	NUM
fsr-3203	235	80	2.14	2.14	NUM
fsr-3203	235	81	�	�	NOUN
fsr-3203	235	82	0.09	0.09	NUM
fsr-3203	235	83	1.15	1.15	NUM
fsr-3203	235	84	college	college	NOUN
fsr-3203	235	85	grad	grad	NOUN
fsr-3203	235	86	0.18	0.18	NUM
fsr-3203	235	87	2.07	2.07	NUM
fsr-3203	235	88	0.22	0.22	NUM
fsr-3203	235	89	1.58	1.58	NUM
fsr-3203	235	90	marital	marital	ADJ
fsr-3203	235	91	status	status	NOUN
fsr-3203	235	92	(	(	PUNCT
fsr-3203	235	93	single	single	ADJ
fsr-3203	235	94	)	)	PUNCT
fsr-3203	235	95	non	non	ADJ
fsr-3203	235	96	-	-	ADJ
fsr-3203	235	97	single	single	ADJ
fsr-3203	235	98	0.14	0.14	NUM
fsr-3203	235	99	1.32	1.32	NUM
fsr-3203	235	100	1.11	1.11	NUM
fsr-3203	235	101	*	*	PUNCT
fsr-3203	235	102	*	*	PUNCT
fsr-3203	235	103	*	*	PUNCT
fsr-3203	235	104	9.14	9.14	NUM
fsr-3203	235	105	race	race	NOUN
fsr-3203	235	106	(	(	PUNCT
fsr-3203	235	107	white	white	ADJ
fsr-3203	235	108	)	)	PUNCT
fsr-3203	235	109	black	black	ADJ
fsr-3203	235	110	0.42	0.42	NUM
fsr-3203	235	111	1.17	1.17	NUM
fsr-3203	235	112	�	�	PROPN
fsr-3203	235	113	0.12	0.12	NUM
fsr-3203	235	114	0.66	0.66	NUM
fsr-3203	235	115	hispanic	hispanic	ADJ
fsr-3203	235	116	�	�	PROPN
fsr-3203	235	117	0.68	0.68	NUM
fsr-3203	235	118	*	*	SYM
fsr-3203	235	119	0.39	0.39	NUM
fsr-3203	235	120	�	�	PROPN
fsr-3203	235	121	0.17	0.17	NUM
fsr-3203	235	122	0.63	0.63	NUM
fsr-3203	235	123	financial	financial	ADJ
fsr-3203	235	124	professional	professional	ADJ
fsr-3203	235	125	(	(	PUNCT
fsr-3203	235	126	non	non	ADJ
fsr-3203	235	127	-	-	ADJ
fsr-3203	235	128	financial	financial	ADJ
fsr-3203	235	129	planner	planner	NOUN
fsr-3203	235	130	)	)	PUNCT
fsr-3203	235	131	financial	financial	ADJ
fsr-3203	235	132	planner	planner	NOUN
fsr-3203	235	133	0.21	0.21	NUM
fsr-3203	235	134	*	*	NOUN
fsr-3203	235	135	*	*	PUNCT
fsr-3203	235	136	1.53	1.53	NUM
fsr-3203	235	137	0.14	0.14	NUM
fsr-3203	235	138	1.33	1.33	NUM
fsr-3203	235	139	spends	spend	NOUN
fsr-3203	235	140	more	more	ADJ
fsr-3203	235	141	than	than	ADP
fsr-3203	235	142	income	income	NOUN
fsr-3203	235	143	0.06	0.06	NUM
fsr-3203	235	144	1.12	1.12	NUM
fsr-3203	235	145	�	�	PROPN
fsr-3203	235	146	0.08	0.08	NUM
fsr-3203	235	147	0.84	0.84	NUM
fsr-3203	235	148	expect	expect	VERB
fsr-3203	235	149	income	income	NOUN
fsr-3203	235	150	growth	growth	NOUN
fsr-3203	235	151	0.05	0.05	NUM
fsr-3203	235	152	1.10	1.10	NUM
fsr-3203	235	153	0.04	0.04	NUM
fsr-3203	235	154	1.08	1.08	NUM
fsr-3203	235	155	substantial	substantial	ADJ
fsr-3203	235	156	risk	risk	NOUN
fsr-3203	235	157	taker	taker	NOUN
fsr-3203	235	158	0.03	0.03	NUM
fsr-3203	235	159	1.06	1.06	NUM
fsr-3203	235	160	0.07	0.07	NUM
fsr-3203	235	161	1.15	1.15	NUM
fsr-3203	235	162	self	self	NOUN
fsr-3203	235	163	-	-	PUNCT
fsr-3203	235	164	employed	employ	VERB
fsr-3203	235	165	�	�	NOUN
fsr-3203	235	166	0.05	0.05	NUM
fsr-3203	235	167	0.91	0.91	NUM
fsr-3203	235	168	�	�	PROPN
fsr-3203	235	169	0.02	0.02	NUM
fsr-3203	235	170	0.95	0.95	NUM
fsr-3203	235	171	log	log	NOUN
fsr-3203	235	172	of	of	ADP
fsr-3203	235	173	net	net	ADJ
fsr-3203	235	174	worth	worth	ADJ
fsr-3203	235	175	�	�	PROPN
fsr-3203	235	176	0.01	0.01	NUM
fsr-3203	235	177	0.99	0.99	NUM
fsr-3203	235	178	0.00	0.00	NUM
fsr-3203	235	179	1.00	1.00	NUM
fsr-3203	235	180	self	self	NOUN
fsr-3203	235	181	-	-	PUNCT
fsr-3203	235	182	insurable	insurable	NOUN
fsr-3203	235	183	0.52	0.52	NUM
fsr-3203	235	184	*	*	PUNCT
fsr-3203	235	185	*	*	PUNCT
fsr-3203	235	186	*	*	PUNCT
fsr-3203	235	187	2.84	2.84	NUM
fsr-3203	235	188	0.25	0.25	NUM
fsr-3203	235	189	*	*	PUNCT
fsr-3203	235	190	*	*	PUNCT
fsr-3203	235	191	*	*	PUNCT
fsr-3203	235	192	1.66	1.66	NUM
fsr-3203	235	193	social	social	ADJ
fsr-3203	235	194	security	security	NOUN
fsr-3203	235	195	income	income	NOUN
fsr-3203	235	196	0.11	0.11	NUM
fsr-3203	235	197	1.25	1.25	NUM
fsr-3203	235	198	0.33	0.33	NUM
fsr-3203	235	199	*	*	SYM
fsr-3203	235	200	1.93	1.93	NUM
fsr-3203	235	201	income	income	NOUN
fsr-3203	235	202	(	(	PUNCT
fsr-3203	235	203	�	�	X
fsr-3203	235	204	$	$	SYM
fsr-3203	235	205	35,150	35,150	NUM
fsr-3203	235	206	)	)	PUNCT
fsr-3203	235	207	$	$	SYM
fsr-3203	235	208	35,150–$90,800	35,150–$90,800	NUM
fsr-3203	235	209	0.04	0.04	NUM
fsr-3203	235	210	1.33	1.33	NUM
fsr-3203	235	211	0.19	0.19	NUM
fsr-3203	235	212	3.70	3.70	NUM
fsr-3203	235	213	$	$	SYM
fsr-3203	235	214	90,800–$147,050	90,800–$147,050	NUM
fsr-3203	235	215	0.04	0.04	NUM
fsr-3203	235	216	1.32	1.32	NUM
fsr-3203	235	217	0.20	0.20	NUM
fsr-3203	235	218	3.72	3.72	NUM
fsr-3203	235	219	$	$	SYM
fsr-3203	235	220	147,050–$288,350	147,050–$288,350	NUM
fsr-3203	235	221	0.27	0.27	NUM
fsr-3203	235	222	1.67	1.67	NUM
fsr-3203	235	223	0.63	0.63	NUM
fsr-3203	235	224	*	*	PUNCT
fsr-3203	235	225	*	*	PUNCT
fsr-3203	235	226	*	*	PROPN
fsr-3203	235	227	5.73	5.73	NUM
fsr-3203	235	228	�	�	NOUN
fsr-3203	235	229	$	$	SYM
fsr-3203	235	230	288,350	288,350	NUM
fsr-3203	235	231	�	�	PROPN
fsr-3203	235	232	0.11	0.11	NUM
fsr-3203	235	233	1.15	1.15	NUM
fsr-3203	235	234	0.09	0.09	NUM
fsr-3203	235	235	3.34	3.34	NUM
fsr-3203	235	236	health	health	NOUN
fsr-3203	235	237	(	(	PUNCT
fsr-3203	235	238	poor	poor	ADJ
fsr-3203	235	239	)	)	PUNCT
fsr-3203	235	240	good	good	ADJ
fsr-3203	235	241	or	or	CCONJ
fsr-3203	235	242	excellent	excellent	ADJ
fsr-3203	235	243	health	health	NOUN
fsr-3203	235	244	0.03	0.03	NUM
fsr-3203	235	245	1.06	1.06	NUM
fsr-3203	235	246	�	�	PROPN
fsr-3203	235	247	0.11	0.11	NUM
fsr-3203	235	248	0.80	0.80	NUM
fsr-3203	235	249	bequest	bequest	NOUN
fsr-3203	235	250	motive	motive	ADJ
fsr-3203	235	251	�	�	PROPN
fsr-3203	235	252	0.11	0.11	NUM
fsr-3203	235	253	0.80	0.80	NUM
fsr-3203	235	254	�	�	PROPN
fsr-3203	235	255	0.04	0.04	NUM
fsr-3203	235	256	0.93	0.93	NUM
fsr-3203	235	257	have	have	VERB
fsr-3203	235	258	children	child	NOUN
fsr-3203	235	259	0.16	0.16	NUM
fsr-3203	235	260	1.38	1.38	NUM
fsr-3203	235	261	0.15	0.15	NUM
fsr-3203	235	262	1.35	1.35	NUM
fsr-3203	235	263	expect	expect	VERB
fsr-3203	235	264	to	to	PART
fsr-3203	235	265	leave	leave	VERB
fsr-3203	235	266	sizeable	sizeable	ADJ
fsr-3203	235	267	estate	estate	NOUN
fsr-3203	235	268	�	�	PROPN
fsr-3203	235	269	0.09	0.09	NUM
fsr-3203	235	270	0.83	0.83	NUM
fsr-3203	235	271	�	�	PROPN
fsr-3203	235	272	0.09	0.09	NUM
fsr-3203	235	273	0.83	0.83	NUM
fsr-3203	235	274	homeowner	homeowner	NOUN
fsr-3203	235	275	0.26	0.26	NUM
fsr-3203	235	276	1.70	1.70	NUM
fsr-3203	235	277	0.29	0.29	NUM
fsr-3203	235	278	*	*	SYM
fsr-3203	235	279	1.79	1.79	NUM
fsr-3203	235	280	intercept	intercept	NOUN
fsr-3203	235	281	�	�	PROPN
fsr-3203	235	282	2.23	2.23	NUM
fsr-3203	235	283	�	�	NOUN
fsr-3203	235	284	3.40	3.40	NUM
fsr-3203	235	285	data	datum	NOUN
fsr-3203	235	286	are	be	AUX
fsr-3203	235	287	from	from	ADP
fsr-3203	235	288	the	the	DET
fsr-3203	235	289	survey	survey	NOUN
fsr-3203	235	290	of	of	ADP
fsr-3203	235	291	consumer	consumer	NOUN
fsr-3203	235	292	finances	finance	NOUN
fsr-3203	235	293	.	.	PUNCT
fsr-3203	236	1	*	*	PUNCT
fsr-3203	236	2	p	p	X
fsr-3203	236	3	�	�	PROPN
fsr-3203	236	4	0.05	0.05	NUM
fsr-3203	236	5	,	,	PUNCT
fsr-3203	236	6	*	*	PUNCT
fsr-3203	236	7	*	*	PUNCT
fsr-3203	236	8	p	p	X
fsr-3203	236	9	�	�	PROPN
fsr-3203	236	10	0.01	0.01	NUM
fsr-3203	236	11	,	,	PUNCT
fsr-3203	236	12	*	*	PUNCT
fsr-3203	236	13	*	*	PUNCT
fsr-3203	236	14	*	*	PUNCT
fsr-3203	236	15	p	p	PROPN
fsr-3203	236	16	�	�	PROPN
fsr-3203	236	17	0.001	0.001	NUM
fsr-3203	236	18	.	.	PUNCT
fsr-3203	237	1	299j.k	299j.k	PROPN
fsr-3203	237	2	.	.	PUNCT
fsr-3203	238	1	scott	scott	PROPN
fsr-3203	238	2	,	,	PUNCT
fsr-3203	238	3	j.	j.	PROPN
fsr-3203	238	4	gilliam	gilliam	PROPN
fsr-3203	238	5	/	/	SYM
fsr-3203	238	6	financial	financial	PROPN
fsr-3203	238	7	services	service	NOUN
fsr-3203	238	8	review	review	VERB
fsr-3203	238	9	23	23	NUM
fsr-3203	238	10	(	(	PUNCT
fsr-3203	238	11	2014	2014	NUM
fsr-3203	238	12	)	)	PUNCT
fsr-3203	239	1	287–304	287–304	NUM
fsr-3203	239	2	other	other	ADJ
fsr-3203	239	3	positive	positive	ADJ
fsr-3203	239	4	predictors	predictor	NOUN
fsr-3203	239	5	include	include	VERB
fsr-3203	239	6	receiving	receive	VERB
fsr-3203	239	7	social	social	ADJ
fsr-3203	239	8	security	security	NOUN
fsr-3203	239	9	income	income	NOUN
fsr-3203	239	10	,	,	PUNCT
fsr-3203	239	11	being	be	AUX
fsr-3203	239	12	a	a	DET
fsr-3203	239	13	homeowner	homeowner	NOUN
fsr-3203	239	14	and	and	CCONJ
fsr-3203	239	15	possessing	possess	VERB
fsr-3203	239	16	income	income	NOUN
fsr-3203	239	17	greater	great	ADJ
fsr-3203	239	18	than	than	ADP
fsr-3203	239	19	$	$	SYM
fsr-3203	239	20	147,000	147,000	NUM
fsr-3203	239	21	.	.	PUNCT
fsr-3203	240	1	specifically	specifically	ADV
fsr-3203	240	2	,	,	PUNCT
fsr-3203	240	3	respondents	respondent	NOUN
fsr-3203	240	4	reporting	report	VERB
fsr-3203	240	5	income	income	NOUN
fsr-3203	240	6	between	between	ADP
fsr-3203	240	7	$	$	SYM
fsr-3203	240	8	147,050	147,050	NUM
fsr-3203	240	9	and	and	CCONJ
fsr-3203	240	10	$	$	SYM
fsr-3203	240	11	288,350	288,350	NUM
fsr-3203	240	12	represented	represent	VERB
fsr-3203	240	13	the	the	DET
fsr-3203	240	14	highest	high	ADJ
fsr-3203	240	15	odds	odd	NOUN
fsr-3203	240	16	of	of	ADP
fsr-3203	240	17	insurance	insurance	NOUN
fsr-3203	240	18	adequacy	adequacy	NOUN
fsr-3203	240	19	,	,	PUNCT
fsr-3203	240	20	473	473	NUM
fsr-3203	240	21	%	%	NOUN
fsr-3203	240	22	higher	high	ADJ
fsr-3203	240	23	compared	compare	VERB
fsr-3203	240	24	with	with	ADP
fsr-3203	240	25	the	the	DET
fsr-3203	240	26	lowest	low	ADJ
fsr-3203	240	27	income	income	NOUN
fsr-3203	240	28	group	group	NOUN
fsr-3203	240	29	(	(	PUNCT
fsr-3203	240	30	less	less	ADJ
fsr-3203	240	31	than	than	ADP
fsr-3203	240	32	$	$	SYM
fsr-3203	240	33	35,150	35,150	NUM
fsr-3203	240	34	)	)	PUNCT
fsr-3203	240	35	.	.	PUNCT
fsr-3203	241	1	having	have	VERB
fsr-3203	241	2	a	a	DET
fsr-3203	241	3	financial	financial	ADJ
fsr-3203	241	4	planner	planner	NOUN
fsr-3203	241	5	was	be	AUX
fsr-3203	241	6	a	a	DET
fsr-3203	241	7	significant	significant	ADJ
fsr-3203	241	8	and	and	CCONJ
fsr-3203	241	9	positive	positive	ADJ
fsr-3203	241	10	predictor	predictor	NOUN
fsr-3203	241	11	of	of	ADP
fsr-3203	241	12	insurance	insurance	NOUN
fsr-3203	241	13	adequacy	adequacy	NOUN
fsr-3203	241	14	in	in	ADP
fsr-3203	241	15	2004	2004	NUM
fsr-3203	241	16	,	,	PUNCT
fsr-3203	241	17	highlighting	highlight	VERB
fsr-3203	241	18	greater	great	ADJ
fsr-3203	241	19	comprehensive	comprehensive	ADJ
fsr-3203	241	20	planning	planning	NOUN
fsr-3203	241	21	in	in	ADP
fsr-3203	241	22	risk	risk	NOUN
fsr-3203	241	23	management	management	NOUN
fsr-3203	241	24	than	than	ADP
fsr-3203	241	25	among	among	ADP
fsr-3203	241	26	other	other	ADJ
fsr-3203	241	27	financial	financial	ADJ
fsr-3203	241	28	professionals	professional	NOUN
fsr-3203	241	29	.	.	PUNCT
fsr-3203	242	1	however	however	ADV
fsr-3203	242	2	,	,	PUNCT
fsr-3203	242	3	post	post	VERB
fsr-3203	242	4	the	the	DET
fsr-3203	242	5	2008	2008	NUM
fsr-3203	242	6	crisis	crisis	NOUN
fsr-3203	242	7	,	,	PUNCT
fsr-3203	242	8	having	have	VERB
fsr-3203	242	9	a	a	DET
fsr-3203	242	10	planner	planner	NOUN
fsr-3203	242	11	had	have	VERB
fsr-3203	242	12	no	no	DET
fsr-3203	242	13	significant	significant	ADJ
fsr-3203	242	14	effect	effect	NOUN
fsr-3203	242	15	on	on	ADP
fsr-3203	242	16	life	life	NOUN
fsr-3203	242	17	insurance	insurance	NOUN
fsr-3203	242	18	adequacy	adequacy	NOUN
fsr-3203	242	19	.	.	PUNCT
fsr-3203	243	1	the	the	DET
fsr-3203	243	2	second	second	ADJ
fsr-3203	243	3	regression	regression	NOUN
fsr-3203	243	4	analysis	analysis	NOUN
fsr-3203	243	5	includes	include	VERB
fsr-3203	243	6	only	only	ADV
fsr-3203	243	7	baby	baby	NOUN
fsr-3203	243	8	boomers	boomer	NOUN
fsr-3203	243	9	(	(	PUNCT
fsr-3203	243	10	see	see	VERB
fsr-3203	243	11	table	table	NOUN
fsr-3203	243	12	6	6	NUM
fsr-3203	243	13	)	)	PUNCT
fsr-3203	243	14	.	.	PUNCT
fsr-3203	244	1	as	as	ADP
fsr-3203	244	2	with	with	ADP
fsr-3203	244	3	the	the	DET
fsr-3203	244	4	all	all	DET
fsr-3203	244	5	respondent	respondent	ADJ
fsr-3203	244	6	censored	censor	VERB
fsr-3203	244	7	sample	sample	NOUN
fsr-3203	244	8	in	in	ADP
fsr-3203	244	9	2004	2004	NUM
fsr-3203	244	10	,	,	PUNCT
fsr-3203	244	11	the	the	DET
fsr-3203	244	12	odds	odd	NOUN
fsr-3203	244	13	of	of	ADP
fsr-3203	244	14	a	a	DET
fsr-3203	244	15	boomer	boomer	NOUN
fsr-3203	244	16	having	have	VERB
fsr-3203	244	17	adequate	adequate	ADJ
fsr-3203	244	18	life	life	NOUN
fsr-3203	244	19	insurance	insurance	NOUN
fsr-3203	244	20	were	be	AUX
fsr-3203	244	21	156	156	NUM
fsr-3203	244	22	%	%	NOUN
fsr-3203	244	23	greater	great	ADJ
fsr-3203	244	24	if	if	SCONJ
fsr-3203	244	25	they	they	PRON
fsr-3203	244	26	can	can	AUX
fsr-3203	244	27	self	self	NOUN
fsr-3203	244	28	-	-	PUNCT
fsr-3203	244	29	insure	insure	VERB
fsr-3203	244	30	in	in	ADP
fsr-3203	244	31	comparison	comparison	NOUN
fsr-3203	244	32	with	with	ADP
fsr-3203	244	33	respondents	respondent	NOUN
fsr-3203	244	34	with	with	ADP
fsr-3203	244	35	insufficient	insufficient	ADJ
fsr-3203	244	36	table	table	NOUN
fsr-3203	244	37	6	6	NUM
fsr-3203	244	38	regression	regression	NOUN
fsr-3203	244	39	results	result	NOUN
fsr-3203	244	40	censored	censor	VERB
fsr-3203	244	41	by	by	ADP
fsr-3203	244	42	baby	baby	NOUN
fsr-3203	244	43	boomers	boomer	NOUN
fsr-3203	244	44	:	:	PUNCT
fsr-3203	244	45	dv	dv	PROPN
fsr-3203	244	46	�	�	PROPN
fsr-3203	244	47	adequate	adequate	ADJ
fsr-3203	244	48	insurance	insurance	NOUN
fsr-3203	244	49	(	(	PUNCT
fsr-3203	244	50	insurance	insurance	NOUN
fsr-3203	244	51	ratio	ratio	NOUN
fsr-3203	244	52	�	�	PROPN
fsr-3203	244	53	1	1	NUM
fsr-3203	244	54	)	)	PUNCT
fsr-3203	244	55	variables	variable	NOUN
fsr-3203	244	56	2004	2004	NUM
fsr-3203	244	57	(	(	PUNCT
fsr-3203	244	58	n	n	X
fsr-3203	244	59	�	�	PROPN
fsr-3203	244	60	1,360	1,360	NUM
fsr-3203	244	61	)	)	PUNCT
fsr-3203	244	62	2010	2010	NUM
fsr-3203	244	63	(	(	PUNCT
fsr-3203	244	64	n	n	X
fsr-3203	244	65	�	�	PROPN
fsr-3203	244	66	1,527	1,527	NUM
fsr-3203	244	67	)	)	PUNCT
fsr-3203	244	68	parameter	parameter	NOUN
fsr-3203	244	69	estimate	estimate	NOUN
fsr-3203	244	70	odds	odd	NOUN
fsr-3203	244	71	ratio	ratio	NOUN
fsr-3203	244	72	parameter	parameter	NOUN
fsr-3203	244	73	estimate	estimate	NOUN
fsr-3203	244	74	odds	odd	VERB
fsr-3203	244	75	ratio	ratio	NOUN
fsr-3203	244	76	adequate	adequate	ADJ
fsr-3203	244	77	life	life	NOUN
fsr-3203	244	78	insurance	insurance	NOUN
fsr-3203	244	79	(	(	PUNCT
fsr-3203	244	80	dependent	dependent	ADJ
fsr-3203	244	81	)	)	PUNCT
fsr-3203	244	82	education	education	NOUN
fsr-3203	244	83	(	(	PUNCT
fsr-3203	244	84	�	�	NOUN
fsr-3203	244	85	high	high	ADJ
fsr-3203	244	86	school	school	NOUN
fsr-3203	244	87	)	)	PUNCT
fsr-3203	244	88	high	high	ADJ
fsr-3203	244	89	school	school	NOUN
fsr-3203	244	90	grad	grad	NOUN
fsr-3203	244	91	0.16	0.16	NUM
fsr-3203	244	92	2.69	2.69	NUM
fsr-3203	244	93	0.22	0.22	NUM
fsr-3203	244	94	1.69	1.69	NUM
fsr-3203	244	95	some	some	DET
fsr-3203	244	96	college	college	NOUN
fsr-3203	244	97	0.38	0.38	NUM
fsr-3203	244	98	3.37	3.37	NUM
fsr-3203	244	99	�	�	PROPN
fsr-3203	244	100	0.03	0.03	NUM
fsr-3203	244	101	1.32	1.32	NUM
fsr-3203	244	102	college	college	NOUN
fsr-3203	244	103	grad	grad	NOUN
fsr-3203	244	104	0.29	0.29	NUM
fsr-3203	244	105	3.07	3.07	NUM
fsr-3203	244	106	0.12	0.12	NUM
fsr-3203	244	107	1.53	1.53	NUM
fsr-3203	244	108	marital	marital	ADJ
fsr-3203	244	109	status	status	NOUN
fsr-3203	244	110	(	(	PUNCT
fsr-3203	244	111	single	single	ADJ
fsr-3203	244	112	)	)	PUNCT
fsr-3203	244	113	non	non	ADJ
fsr-3203	244	114	-	-	ADJ
fsr-3203	244	115	single	single	ADJ
fsr-3203	244	116	�	�	PROPN
fsr-3203	244	117	0.04	0.04	NUM
fsr-3203	244	118	0.93	0.93	NUM
fsr-3203	244	119	1.07	1.07	NUM
fsr-3203	244	120	*	*	PUNCT
fsr-3203	244	121	*	*	PUNCT
fsr-3203	244	122	*	*	SYM
fsr-3203	244	123	8.48	8.48	NUM
fsr-3203	244	124	race	race	NOUN
fsr-3203	244	125	(	(	PUNCT
fsr-3203	244	126	white	white	ADJ
fsr-3203	244	127	)	)	PUNCT
fsr-3203	244	128	black	black	ADJ
fsr-3203	244	129	0.64	0.64	NUM
fsr-3203	244	130	*	*	SYM
fsr-3203	244	131	1.68	1.68	NUM
fsr-3203	244	132	�	�	PROPN
fsr-3203	244	133	0.37	0.37	NUM
fsr-3203	244	134	0.48	0.48	NUM
fsr-3203	244	135	hispanic	hispanic	ADJ
fsr-3203	244	136	�	�	PROPN
fsr-3203	244	137	0.77	0.77	NUM
fsr-3203	244	138	*	*	NOUN
fsr-3203	244	139	0.41	0.41	NUM
fsr-3203	244	140	0.00	0.00	NUM
fsr-3203	244	141	0.70	0.70	NUM
fsr-3203	244	142	financial	financial	ADJ
fsr-3203	244	143	professional	professional	ADJ
fsr-3203	244	144	(	(	PUNCT
fsr-3203	244	145	non	non	ADJ
fsr-3203	244	146	-	-	ADJ
fsr-3203	244	147	financial	financial	ADJ
fsr-3203	244	148	planner	planner	NOUN
fsr-3203	244	149	)	)	PUNCT
fsr-3203	244	150	financial	financial	ADJ
fsr-3203	244	151	planner	planner	NOUN
fsr-3203	244	152	0.17	0.17	NUM
fsr-3203	244	153	1.41	1.41	NUM
fsr-3203	244	154	0.10	0.10	NUM
fsr-3203	244	155	1.23	1.23	NUM
fsr-3203	244	156	spends	spend	VERB
fsr-3203	244	157	more	more	ADJ
fsr-3203	244	158	than	than	ADP
fsr-3203	244	159	income	income	NOUN
fsr-3203	244	160	0.01	0.01	NUM
fsr-3203	244	161	1.02	1.02	NUM
fsr-3203	244	162	0.02	0.02	NUM
fsr-3203	244	163	1.04	1.04	NUM
fsr-3203	244	164	expect	expect	VERB
fsr-3203	244	165	income	income	NOUN
fsr-3203	244	166	growth	growth	NOUN
fsr-3203	244	167	0.01	0.01	NUM
fsr-3203	244	168	1.03	1.03	NUM
fsr-3203	244	169	0.00	0.00	NUM
fsr-3203	244	170	1.00	1.00	NUM
fsr-3203	244	171	substantial	substantial	ADJ
fsr-3203	244	172	risk	risk	NOUN
fsr-3203	244	173	taker	taker	NOUN
fsr-3203	244	174	0.05	0.05	NUM
fsr-3203	244	175	1.10	1.10	NUM
fsr-3203	244	176	0.04	0.04	NUM
fsr-3203	244	177	1.08	1.08	NUM
fsr-3203	244	178	self	self	NOUN
fsr-3203	244	179	-	-	PUNCT
fsr-3203	244	180	employed	employ	VERB
fsr-3203	244	181	�	�	NOUN
fsr-3203	244	182	0.02	0.02	NUM
fsr-3203	244	183	0.96	0.96	NUM
fsr-3203	244	184	�	�	PROPN
fsr-3203	244	185	0.07	0.07	NUM
fsr-3203	244	186	0.87	0.87	NUM
fsr-3203	244	187	log	log	NOUN
fsr-3203	244	188	of	of	ADP
fsr-3203	244	189	net	net	ADJ
fsr-3203	244	190	worth	worth	ADJ
fsr-3203	244	191	0.03	0.03	NUM
fsr-3203	244	192	1.03	1.03	NUM
fsr-3203	244	193	�	�	NOUN
fsr-3203	244	194	0.03	0.03	NUM
fsr-3203	244	195	0.97	0.97	NUM
fsr-3203	244	196	self	self	NOUN
fsr-3203	244	197	-	-	PUNCT
fsr-3203	244	198	insurable	insurable	NOUN
fsr-3203	244	199	0.47	0.47	NUM
fsr-3203	244	200	*	*	PUNCT
fsr-3203	244	201	*	*	PUNCT
fsr-3203	244	202	*	*	PUNCT
fsr-3203	244	203	2.56	2.56	NUM
fsr-3203	244	204	0.37	0.37	NUM
fsr-3203	244	205	*	*	PUNCT
fsr-3203	244	206	*	*	PUNCT
fsr-3203	244	207	*	*	X
fsr-3203	244	208	2.12	2.12	NUM
fsr-3203	244	209	social	social	ADJ
fsr-3203	244	210	security	security	NOUN
fsr-3203	244	211	income	income	NOUN
fsr-3203	244	212	�	�	PROPN
fsr-3203	244	213	0.25	0.25	NUM
fsr-3203	244	214	0.61	0.61	NUM
fsr-3203	244	215	0.64	0.64	NUM
fsr-3203	244	216	*	*	PUNCT
fsr-3203	244	217	*	*	PUNCT
fsr-3203	244	218	*	*	PROPN
fsr-3203	244	219	3.63	3.63	NUM
fsr-3203	244	220	income	income	NOUN
fsr-3203	244	221	(	(	PUNCT
fsr-3203	244	222	�	�	X
fsr-3203	244	223	$	$	SYM
fsr-3203	244	224	35,150	35,150	NUM
fsr-3203	244	225	)	)	PUNCT
fsr-3203	244	226	$	$	SYM
fsr-3203	244	227	35,150–$90,800	35,150–$90,800	NUM
fsr-3203	244	228	0.14	0.14	NUM
fsr-3203	244	229	1.65	1.65	NUM
fsr-3203	244	230	0.08	0.08	NUM
fsr-3203	244	231	4.95	4.95	NUM
fsr-3203	244	232	$	$	SYM
fsr-3203	244	233	90,800–$147,050	90,800–$147,050	NUM
fsr-3203	244	234	�	�	NOUN
fsr-3203	244	235	0.04	0.04	NUM
fsr-3203	244	236	1.38	1.38	NUM
fsr-3203	244	237	0.26	0.26	NUM
fsr-3203	244	238	5.89	5.89	NUM
fsr-3203	244	239	$	$	SYM
fsr-3203	244	240	147,050–$288,350	147,050–$288,350	NUM
fsr-3203	244	241	0.31	0.31	NUM
fsr-3203	244	242	1.96	1.96	NUM
fsr-3203	244	243	0.87	0.87	NUM
fsr-3203	244	244	*	*	PUNCT
fsr-3203	244	245	*	*	PUNCT
fsr-3203	244	246	*	*	X
fsr-3203	244	247	10.87	10.87	NUM
fsr-3203	244	248	�	�	SYM
fsr-3203	244	249	$	$	SYM
fsr-3203	244	250	288,350	288,350	NUM
fsr-3203	244	251	�	�	NOUN
fsr-3203	244	252	0.05	0.05	NUM
fsr-3203	244	253	1.37	1.37	NUM
fsr-3203	244	254	0.30	0.30	NUM
fsr-3203	244	255	6.15	6.15	NUM
fsr-3203	244	256	health	health	NOUN
fsr-3203	244	257	(	(	PUNCT
fsr-3203	244	258	poor	poor	ADJ
fsr-3203	244	259	)	)	PUNCT
fsr-3203	244	260	good	good	ADJ
fsr-3203	244	261	or	or	CCONJ
fsr-3203	244	262	excellent	excellent	ADJ
fsr-3203	244	263	health	health	NOUN
fsr-3203	244	264	0.05	0.05	NUM
fsr-3203	244	265	1.10	1.10	NUM
fsr-3203	244	266	�	�	NOUN
fsr-3203	244	267	0.11	0.11	NUM
fsr-3203	244	268	0.81	0.81	NUM
fsr-3203	244	269	bequest	bequest	NOUN
fsr-3203	244	270	motive	motive	ADJ
fsr-3203	244	271	�	�	NOUN
fsr-3203	244	272	0.05	0.05	NUM
fsr-3203	244	273	0.91	0.91	NUM
fsr-3203	244	274	0.01	0.01	NUM
fsr-3203	244	275	1.01	1.01	NUM
fsr-3203	244	276	have	have	VERB
fsr-3203	244	277	children	child	NOUN
fsr-3203	244	278	0.15	0.15	NUM
fsr-3203	244	279	1.35	1.35	NUM
fsr-3203	244	280	0.27	0.27	NUM
fsr-3203	244	281	1.71	1.71	NUM
fsr-3203	244	282	expect	expect	VERB
fsr-3203	244	283	to	to	PART
fsr-3203	244	284	leave	leave	VERB
fsr-3203	244	285	sizeable	sizeable	ADJ
fsr-3203	244	286	estate	estate	NOUN
fsr-3203	244	287	�	�	PROPN
fsr-3203	244	288	0.12	0.12	NUM
fsr-3203	244	289	0.79	0.79	NUM
fsr-3203	244	290	�	�	PROPN
fsr-3203	244	291	0.12	0.12	NUM
fsr-3203	244	292	0.79	0.79	NUM
fsr-3203	244	293	homeowner	homeowner	NOUN
fsr-3203	244	294	0.30	0.30	NUM
fsr-3203	244	295	1.81	1.81	NUM
fsr-3203	244	296	0.40	0.40	NUM
fsr-3203	244	297	2.22	2.22	NUM
fsr-3203	244	298	intercept	intercept	NOUN
fsr-3203	244	299	�	�	PROPN
fsr-3203	244	300	3.11	3.11	NUM
fsr-3203	244	301	�	�	NOUN
fsr-3203	244	302	2.68	2.68	NUM
fsr-3203	244	303	data	datum	NOUN
fsr-3203	244	304	are	be	AUX
fsr-3203	244	305	from	from	ADP
fsr-3203	244	306	the	the	DET
fsr-3203	244	307	survey	survey	NOUN
fsr-3203	244	308	of	of	ADP
fsr-3203	244	309	consumer	consumer	NOUN
fsr-3203	244	310	finances	finance	NOUN
fsr-3203	244	311	.	.	PUNCT
fsr-3203	245	1	*	*	PUNCT
fsr-3203	245	2	p	p	X
fsr-3203	245	3	�	�	PROPN
fsr-3203	245	4	0.05	0.05	NUM
fsr-3203	245	5	,	,	PUNCT
fsr-3203	245	6	*	*	PUNCT
fsr-3203	245	7	*	*	PUNCT
fsr-3203	245	8	p	p	X
fsr-3203	245	9	�	�	PROPN
fsr-3203	245	10	0.01	0.01	NUM
fsr-3203	245	11	,	,	PUNCT
fsr-3203	245	12	*	*	PUNCT
fsr-3203	245	13	*	*	PUNCT
fsr-3203	245	14	*	*	PUNCT
fsr-3203	245	15	p	p	PROPN
fsr-3203	245	16	�	�	PROPN
fsr-3203	245	17	0.001	0.001	NUM
fsr-3203	245	18	.	.	PUNCT
fsr-3203	246	1	300	300	NUM
fsr-3203	246	2	j.k	j.k	PROPN
fsr-3203	246	3	.	.	PROPN
fsr-3203	246	4	scott	scott	PROPN
fsr-3203	246	5	,	,	PUNCT
fsr-3203	246	6	j.	j.	PROPN
fsr-3203	246	7	gilliam	gilliam	PROPN
fsr-3203	246	8	/	/	SYM
fsr-3203	246	9	financial	financial	PROPN
fsr-3203	246	10	services	service	NOUN
fsr-3203	246	11	review	review	VERB
fsr-3203	246	12	23	23	NUM
fsr-3203	246	13	(	(	PUNCT
fsr-3203	246	14	2014	2014	NUM
fsr-3203	246	15	)	)	PUNCT
fsr-3203	247	1	287–304	287–304	NUM
fsr-3203	247	2	resources	resource	NOUN
fsr-3203	247	3	to	to	AUX
fsr-3203	247	4	self	self	NOUN
fsr-3203	247	5	-	-	PUNCT
fsr-3203	247	6	insure	insure	NOUN
fsr-3203	247	7	.	.	PUNCT
fsr-3203	248	1	if	if	SCONJ
fsr-3203	248	2	an	an	DET
fsr-3203	248	3	individual	individual	NOUN
fsr-3203	248	4	can	can	AUX
fsr-3203	248	5	self	self	NOUN
fsr-3203	248	6	-	-	PUNCT
fsr-3203	248	7	insure	insure	VERB
fsr-3203	248	8	,	,	PUNCT
fsr-3203	248	9	coverage	coverage	NOUN
fsr-3203	248	10	may	may	AUX
fsr-3203	248	11	be	be	AUX
fsr-3203	248	12	unnecessary	unnecessary	ADJ
fsr-3203	248	13	but	but	CCONJ
fsr-3203	248	14	adequate	adequate	ADJ
fsr-3203	248	15	.	.	PUNCT
fsr-3203	249	1	in	in	ADP
fsr-3203	249	2	2004	2004	NUM
fsr-3203	249	3	,	,	PUNCT
fsr-3203	249	4	hispanic	hispanic	ADJ
fsr-3203	249	5	boomers	boomer	NOUN
fsr-3203	249	6	were	be	AUX
fsr-3203	249	7	59	59	NUM
fsr-3203	249	8	%	%	NOUN
fsr-3203	249	9	less	less	ADV
fsr-3203	249	10	likely	likely	ADJ
fsr-3203	249	11	to	to	PART
fsr-3203	249	12	be	be	AUX
fsr-3203	249	13	adequately	adequately	ADV
fsr-3203	249	14	insured	insure	VERB
fsr-3203	249	15	than	than	ADP
fsr-3203	249	16	white	white	ADJ
fsr-3203	249	17	boomer	boomer	PROPN
fsr-3203	249	18	households	household	NOUN
fsr-3203	249	19	.	.	PUNCT
fsr-3203	250	1	as	as	SCONJ
fsr-3203	250	2	expected	expect	VERB
fsr-3203	250	3	from	from	ADP
fsr-3203	250	4	previous	previous	ADJ
fsr-3203	250	5	research	research	NOUN
fsr-3203	250	6	,	,	PUNCT
fsr-3203	250	7	black	black	ADJ
fsr-3203	250	8	boomers	boomer	NOUN
fsr-3203	250	9	were	be	AUX
fsr-3203	250	10	more	more	ADV
fsr-3203	250	11	likely	likely	ADJ
fsr-3203	250	12	to	to	PART
fsr-3203	250	13	be	be	AUX
fsr-3203	250	14	adequately	adequately	ADV
fsr-3203	250	15	insured	insure	VERB
fsr-3203	250	16	than	than	ADP
fsr-3203	250	17	white	white	ADJ
fsr-3203	250	18	boomers	boomer	NOUN
fsr-3203	250	19	in	in	ADP
fsr-3203	250	20	2004	2004	NUM
fsr-3203	250	21	;	;	PUNCT
fsr-3203	250	22	however	however	ADV
fsr-3203	250	23	,	,	PUNCT
fsr-3203	250	24	in	in	ADP
fsr-3203	250	25	2010	2010	NUM
fsr-3203	250	26	,	,	PUNCT
fsr-3203	250	27	there	there	PRON
fsr-3203	250	28	was	be	VERB
fsr-3203	250	29	not	not	PART
fsr-3203	250	30	a	a	DET
fsr-3203	250	31	remarkable	remarkable	ADJ
fsr-3203	250	32	discrepancy	discrepancy	NOUN
fsr-3203	250	33	.	.	PUNCT
fsr-3203	251	1	examining	examine	VERB
fsr-3203	251	2	over	over	ADP
fsr-3203	251	3	-	-	PUNCT
fsr-3203	251	4	insurance	insurance	NOUN
fsr-3203	251	5	among	among	ADP
fsr-3203	251	6	black	black	ADJ
fsr-3203	251	7	households	household	NOUN
fsr-3203	251	8	would	would	AUX
fsr-3203	251	9	be	be	AUX
fsr-3203	251	10	a	a	DET
fsr-3203	251	11	worthwhile	worthwhile	ADJ
fsr-3203	251	12	research	research	NOUN
fsr-3203	251	13	topic	topic	NOUN
fsr-3203	251	14	in	in	ADP
fsr-3203	251	15	the	the	DET
fsr-3203	251	16	future	future	NOUN
fsr-3203	251	17	.	.	PUNCT
fsr-3203	252	1	post	post	NOUN
fsr-3203	252	2	2004	2004	NUM
fsr-3203	252	3	we	we	PRON
fsr-3203	252	4	see	see	VERB
fsr-3203	252	5	similar	similar	ADJ
fsr-3203	252	6	results	result	NOUN
fsr-3203	252	7	in	in	ADP
fsr-3203	252	8	the	the	DET
fsr-3203	252	9	boomer	boomer	PROPN
fsr-3203	252	10	sample	sample	NOUN
fsr-3203	252	11	.	.	PUNCT
fsr-3203	253	1	in	in	ADP
fsr-3203	253	2	2010	2010	NUM
fsr-3203	253	3	,	,	PUNCT
fsr-3203	253	4	there	there	PRON
fsr-3203	253	5	was	be	VERB
fsr-3203	253	6	a	a	DET
fsr-3203	253	7	positive	positive	ADJ
fsr-3203	253	8	relation	relation	NOUN
fsr-3203	253	9	between	between	ADP
fsr-3203	253	10	life	life	NOUN
fsr-3203	253	11	insurance	insurance	NOUN
fsr-3203	253	12	adequacy	adequacy	NOUN
fsr-3203	253	13	and	and	CCONJ
fsr-3203	253	14	boomers	boomer	NOUN
fsr-3203	253	15	who	who	PRON
fsr-3203	253	16	were	be	AUX
fsr-3203	253	17	married	marry	VERB
fsr-3203	253	18	,	,	PUNCT
fsr-3203	253	19	receiving	receive	VERB
fsr-3203	253	20	social	social	ADJ
fsr-3203	253	21	security	security	NOUN
fsr-3203	253	22	income	income	NOUN
fsr-3203	253	23	,	,	PUNCT
fsr-3203	253	24	having	have	VERB
fsr-3203	253	25	assets	asset	NOUN
fsr-3203	253	26	to	to	AUX
fsr-3203	253	27	self	self	NOUN
fsr-3203	253	28	-	-	PUNCT
fsr-3203	253	29	insure	insure	VERB
fsr-3203	253	30	,	,	PUNCT
fsr-3203	253	31	and	and	CCONJ
fsr-3203	253	32	being	be	AUX
fsr-3203	253	33	within	within	ADP
fsr-3203	253	34	the	the	DET
fsr-3203	253	35	second	second	ADJ
fsr-3203	253	36	highest	high	ADJ
fsr-3203	253	37	income	income	NOUN
fsr-3203	253	38	category	category	NOUN
fsr-3203	253	39	.	.	PUNCT
fsr-3203	254	1	variables	variable	NOUN
fsr-3203	254	2	related	relate	VERB
fsr-3203	254	3	to	to	ADP
fsr-3203	254	4	net	net	ADJ
fsr-3203	254	5	worth	worth	NOUN
fsr-3203	254	6	and	and	CCONJ
fsr-3203	254	7	income	income	NOUN
fsr-3203	254	8	had	have	VERB
fsr-3203	254	9	more	more	ADJ
fsr-3203	254	10	of	of	ADP
fsr-3203	254	11	an	an	DET
fsr-3203	254	12	impact	impact	NOUN
fsr-3203	254	13	post	post	NOUN
fsr-3203	254	14	the	the	DET
fsr-3203	254	15	2008	2008	NUM
fsr-3203	254	16	financial	financial	ADJ
fsr-3203	254	17	crisis	crisis	NOUN
fsr-3203	254	18	,	,	PUNCT
fsr-3203	254	19	whereas	whereas	SCONJ
fsr-3203	254	20	racial	racial	ADJ
fsr-3203	254	21	status	status	NOUN
fsr-3203	254	22	,	,	PUNCT
fsr-3203	254	23	in	in	ADP
fsr-3203	254	24	addition	addition	NOUN
fsr-3203	254	25	to	to	ADP
fsr-3203	254	26	having	have	VERB
fsr-3203	254	27	substantial	substantial	ADJ
fsr-3203	254	28	assets	asset	NOUN
fsr-3203	254	29	,	,	PUNCT
fsr-3203	254	30	influenced	influence	VERB
fsr-3203	254	31	insurance	insurance	NOUN
fsr-3203	254	32	adequacy	adequacy	NOUN
fsr-3203	254	33	before	before	ADP
fsr-3203	254	34	the	the	DET
fsr-3203	254	35	crisis	crisis	NOUN
fsr-3203	254	36	.	.	PUNCT
fsr-3203	255	1	this	this	PRON
fsr-3203	255	2	is	be	AUX
fsr-3203	255	3	not	not	PART
fsr-3203	255	4	surprising	surprising	ADJ
fsr-3203	255	5	because	because	SCONJ
fsr-3203	255	6	higher	high	ADJ
fsr-3203	255	7	net	net	ADJ
fsr-3203	255	8	worth	worth	ADJ
fsr-3203	255	9	households	household	NOUN
fsr-3203	255	10	can	can	AUX
fsr-3203	255	11	draw	draw	VERB
fsr-3203	255	12	on	on	ADP
fsr-3203	255	13	assets	asset	NOUN
fsr-3203	255	14	in	in	ADP
fsr-3203	255	15	difficult	difficult	ADJ
fsr-3203	255	16	economic	economic	ADJ
fsr-3203	255	17	times	time	NOUN
fsr-3203	255	18	more	more	ADV
fsr-3203	255	19	so	so	ADV
fsr-3203	255	20	than	than	ADP
fsr-3203	255	21	those	those	PRON
fsr-3203	255	22	with	with	ADP
fsr-3203	255	23	lower	low	ADJ
fsr-3203	255	24	net	net	ADJ
fsr-3203	255	25	worth	worth	NOUN
fsr-3203	255	26	.	.	PUNCT
fsr-3203	256	1	6	6	X
fsr-3203	256	2	.	.	X
fsr-3203	256	3	conclusion	conclusion	NOUN
fsr-3203	256	4	little	little	ADJ
fsr-3203	256	5	in	in	ADP
fsr-3203	256	6	the	the	DET
fsr-3203	256	7	literature	literature	NOUN
fsr-3203	256	8	exists	exist	VERB
fsr-3203	256	9	that	that	SCONJ
fsr-3203	256	10	specifically	specifically	ADV
fsr-3203	256	11	examines	examine	VERB
fsr-3203	256	12	how	how	SCONJ
fsr-3203	256	13	the	the	DET
fsr-3203	256	14	financial	financial	ADJ
fsr-3203	256	15	crisis	crisis	NOUN
fsr-3203	256	16	of	of	ADP
fsr-3203	256	17	2008	2008	NUM
fsr-3203	256	18	affected	affect	VERB
fsr-3203	256	19	life	life	NOUN
fsr-3203	256	20	insurance	insurance	NOUN
fsr-3203	256	21	adequacy	adequacy	NOUN
fsr-3203	256	22	among	among	ADP
fsr-3203	256	23	the	the	DET
fsr-3203	256	24	baby	baby	NOUN
fsr-3203	256	25	boomer	boomer	NOUN
fsr-3203	256	26	generation	generation	NOUN
fsr-3203	256	27	.	.	PUNCT
fsr-3203	257	1	this	this	DET
fsr-3203	257	2	study	study	NOUN
fsr-3203	257	3	aims	aim	VERB
fsr-3203	257	4	to	to	PART
fsr-3203	257	5	expand	expand	VERB
fsr-3203	257	6	that	that	DET
fsr-3203	257	7	literature	literature	NOUN
fsr-3203	257	8	by	by	ADP
fsr-3203	257	9	addressing	address	VERB
fsr-3203	257	10	the	the	DET
fsr-3203	257	11	unique	unique	ADJ
fsr-3203	257	12	characteristics	characteristic	NOUN
fsr-3203	257	13	and	and	CCONJ
fsr-3203	257	14	challenges	challenge	NOUN
fsr-3203	257	15	that	that	PRON
fsr-3203	257	16	define	define	VERB
fsr-3203	257	17	the	the	DET
fsr-3203	257	18	boomer	boomer	NOUN
fsr-3203	257	19	’s	’s	PART
fsr-3203	257	20	generation	generation	NOUN
fsr-3203	257	21	and	and	CCONJ
fsr-3203	257	22	economic	economic	ADJ
fsr-3203	257	23	context	context	NOUN
fsr-3203	257	24	,	,	PUNCT
fsr-3203	257	25	and	and	CCONJ
fsr-3203	257	26	by	by	ADP
fsr-3203	257	27	examining	examine	VERB
fsr-3203	257	28	boomer	boomer	ADJ
fsr-3203	257	29	life	life	NOUN
fsr-3203	257	30	insurance	insurance	NOUN
fsr-3203	257	31	adequacy	adequacy	NOUN
fsr-3203	257	32	before	before	ADP
fsr-3203	257	33	and	and	CCONJ
fsr-3203	257	34	after	after	ADP
fsr-3203	257	35	the	the	DET
fsr-3203	257	36	financial	financial	ADJ
fsr-3203	257	37	crisis	crisis	NOUN
fsr-3203	257	38	of	of	ADP
fsr-3203	257	39	2008	2008	NUM
fsr-3203	257	40	as	as	SCONJ
fsr-3203	257	41	compared	compare	VERB
fsr-3203	257	42	with	with	ADP
fsr-3203	257	43	older	old	ADJ
fsr-3203	257	44	and	and	CCONJ
fsr-3203	257	45	younger	young	ADJ
fsr-3203	257	46	generations	generation	NOUN
fsr-3203	257	47	.	.	PUNCT
fsr-3203	258	1	because	because	SCONJ
fsr-3203	258	2	life	life	NOUN
fsr-3203	258	3	insurance	insurance	NOUN
fsr-3203	258	4	is	be	AUX
fsr-3203	258	5	often	often	ADV
fsr-3203	258	6	sold	sell	VERB
fsr-3203	258	7	not	not	PART
fsr-3203	258	8	bought	buy	VERB
fsr-3203	258	9	,	,	PUNCT
fsr-3203	258	10	we	we	PRON
fsr-3203	258	11	did	do	AUX
fsr-3203	258	12	not	not	PART
fsr-3203	258	13	expect	expect	VERB
fsr-3203	258	14	to	to	PART
fsr-3203	258	15	see	see	VERB
fsr-3203	258	16	differences	difference	NOUN
fsr-3203	258	17	in	in	ADP
fsr-3203	258	18	adequacy	adequacy	NOUN
fsr-3203	258	19	within	within	ADP
fsr-3203	258	20	the	the	DET
fsr-3203	258	21	survey	survey	NOUN
fsr-3203	258	22	years	year	NOUN
fsr-3203	258	23	used	use	VERB
fsr-3203	258	24	in	in	ADP
fsr-3203	258	25	the	the	DET
fsr-3203	258	26	study	study	NOUN
fsr-3203	258	27	.	.	PUNCT
fsr-3203	259	1	however	however	ADV
fsr-3203	259	2	,	,	PUNCT
fsr-3203	259	3	using	use	VERB
fsr-3203	259	4	binomial	binomial	ADJ
fsr-3203	259	5	logistic	logistic	ADJ
fsr-3203	259	6	regression	regression	NOUN
fsr-3203	259	7	analyses	analysis	NOUN
fsr-3203	259	8	for	for	ADP
fsr-3203	259	9	the	the	DET
fsr-3203	259	10	2004	2004	NUM
fsr-3203	259	11	and	and	CCONJ
fsr-3203	259	12	2010	2010	NUM
fsr-3203	259	13	scf	scf	NOUN
fsr-3203	259	14	years	year	NOUN
fsr-3203	259	15	,	,	PUNCT
fsr-3203	259	16	we	we	PRON
fsr-3203	259	17	find	find	VERB
fsr-3203	259	18	compelling	compelling	ADJ
fsr-3203	259	19	disparities	disparity	NOUN
fsr-3203	259	20	between	between	ADP
fsr-3203	259	21	baby	baby	NOUN
fsr-3203	259	22	boomers	boomer	NOUN
fsr-3203	259	23	and	and	CCONJ
fsr-3203	259	24	the	the	DET
fsr-3203	259	25	senior	senior	ADJ
fsr-3203	259	26	generation	generation	NOUN
fsr-3203	259	27	in	in	ADP
fsr-3203	259	28	2010	2010	NUM
fsr-3203	259	29	but	but	CCONJ
fsr-3203	259	30	not	not	PART
fsr-3203	259	31	in	in	ADP
fsr-3203	259	32	2004	2004	NUM
fsr-3203	259	33	,	,	PUNCT
fsr-3203	259	34	revealing	reveal	VERB
fsr-3203	259	35	that	that	SCONJ
fsr-3203	259	36	the	the	DET
fsr-3203	259	37	boomer	boomer	PROPN
fsr-3203	259	38	generation	generation	NOUN
fsr-3203	259	39	is	be	AUX
fsr-3203	259	40	62	62	NUM
fsr-3203	259	41	%	%	NOUN
fsr-3203	259	42	more	more	ADV
fsr-3203	259	43	likely	likely	ADJ
fsr-3203	259	44	than	than	ADP
fsr-3203	259	45	the	the	DET
fsr-3203	259	46	older	old	ADJ
fsr-3203	259	47	cohort	cohort	NOUN
fsr-3203	259	48	to	to	PART
fsr-3203	259	49	have	have	VERB
fsr-3203	259	50	adequate	adequate	ADJ
fsr-3203	259	51	life	life	NOUN
fsr-3203	259	52	insurance	insurance	NOUN
fsr-3203	259	53	post	post	NOUN
fsr-3203	259	54	the	the	DET
fsr-3203	259	55	financial	financial	ADJ
fsr-3203	259	56	crisis	crisis	NOUN
fsr-3203	259	57	of	of	ADP
fsr-3203	259	58	2008	2008	NUM
fsr-3203	259	59	.	.	PUNCT
fsr-3203	260	1	these	these	DET
fsr-3203	260	2	results	result	NOUN
fsr-3203	260	3	were	be	AUX
fsr-3203	260	4	surprising	surprising	ADJ
fsr-3203	260	5	,	,	PUNCT
fsr-3203	260	6	given	give	VERB
fsr-3203	260	7	that	that	SCONJ
fsr-3203	260	8	boomers	boomer	NOUN
fsr-3203	260	9	display	display	VERB
fsr-3203	260	10	a	a	DET
fsr-3203	260	11	higher	high	ADJ
fsr-3203	260	12	risk	risk	NOUN
fsr-3203	260	13	tolerance	tolerance	NOUN
fsr-3203	260	14	than	than	ADP
fsr-3203	260	15	the	the	DET
fsr-3203	260	16	senior	senior	ADJ
fsr-3203	260	17	generation	generation	NOUN
fsr-3203	260	18	,	,	PUNCT
fsr-3203	260	19	but	but	CCONJ
fsr-3203	260	20	positive	positive	ADJ
fsr-3203	260	21	for	for	ADP
fsr-3203	260	22	boomer	boomer	ADJ
fsr-3203	260	23	households	household	NOUN
fsr-3203	260	24	in	in	ADP
fsr-3203	260	25	a	a	DET
fsr-3203	260	26	postfinancial	postfinancial	ADJ
fsr-3203	260	27	crisis	crisis	NOUN
fsr-3203	260	28	economic	economic	ADJ
fsr-3203	260	29	context	context	NOUN
fsr-3203	260	30	.	.	PUNCT
fsr-3203	261	1	when	when	SCONJ
fsr-3203	261	2	restricting	restrict	VERB
fsr-3203	261	3	the	the	DET
fsr-3203	261	4	sample	sample	NOUN
fsr-3203	261	5	to	to	ADP
fsr-3203	261	6	only	only	ADJ
fsr-3203	261	7	boomers	boomer	NOUN
fsr-3203	261	8	,	,	PUNCT
fsr-3203	261	9	the	the	DET
fsr-3203	261	10	regression	regression	NOUN
fsr-3203	261	11	analysis	analysis	NOUN
fsr-3203	261	12	demonstrated	demonstrate	VERB
fsr-3203	261	13	similar	similar	ADJ
fsr-3203	261	14	results	result	NOUN
fsr-3203	261	15	to	to	ADP
fsr-3203	261	16	the	the	DET
fsr-3203	261	17	analysis	analysis	NOUN
fsr-3203	261	18	of	of	ADP
fsr-3203	261	19	the	the	DET
fsr-3203	261	20	senior	senior	ADJ
fsr-3203	261	21	generation	generation	NOUN
fsr-3203	261	22	and	and	CCONJ
fsr-3203	261	23	the	the	DET
fsr-3203	261	24	younger	young	ADJ
fsr-3203	261	25	generation	generation	NOUN
fsr-3203	261	26	insofar	insofar	ADV
fsr-3203	261	27	as	as	ADP
fsr-3203	261	28	race	race	NOUN
fsr-3203	261	29	,	,	PUNCT
fsr-3203	261	30	self	self	NOUN
fsr-3203	261	31	-	-	PUNCT
fsr-3203	261	32	insurability	insurability	NOUN
fsr-3203	261	33	,	,	PUNCT
fsr-3203	261	34	income	income	NOUN
fsr-3203	261	35	,	,	PUNCT
fsr-3203	261	36	and	and	CCONJ
fsr-3203	261	37	marital	marital	ADJ
fsr-3203	261	38	status	status	NOUN
fsr-3203	261	39	impacted	impact	VERB
fsr-3203	261	40	life	life	NOUN
fsr-3203	261	41	insurance	insurance	NOUN
fsr-3203	261	42	adequacy	adequacy	NOUN
fsr-3203	261	43	in	in	ADP
fsr-3203	261	44	the	the	DET
fsr-3203	261	45	survey	survey	NOUN
fsr-3203	261	46	years	year	NOUN
fsr-3203	261	47	.	.	PUNCT
fsr-3203	262	1	for	for	ADP
fsr-3203	262	2	the	the	DET
fsr-3203	262	3	2004	2004	NUM
fsr-3203	262	4	scf	scf	PROPN
fsr-3203	262	5	survey	survey	NOUN
fsr-3203	262	6	year	year	NOUN
fsr-3203	262	7	,	,	PUNCT
fsr-3203	262	8	both	both	DET
fsr-3203	262	9	samples	sample	NOUN
fsr-3203	262	10	reflected	reflect	VERB
fsr-3203	262	11	racial	racial	ADJ
fsr-3203	262	12	discrepancies	discrepancy	NOUN
fsr-3203	262	13	wherein	wherein	ADJ
fsr-3203	262	14	black	black	ADJ
fsr-3203	262	15	households	household	NOUN
fsr-3203	262	16	are	be	AUX
fsr-3203	262	17	more	more	ADV
fsr-3203	262	18	likely	likely	ADJ
fsr-3203	262	19	to	to	PART
fsr-3203	262	20	be	be	AUX
fsr-3203	262	21	adequately	adequately	ADV
fsr-3203	262	22	insured	insure	VERB
fsr-3203	262	23	than	than	ADP
fsr-3203	262	24	white	white	ADJ
fsr-3203	262	25	households	household	NOUN
fsr-3203	262	26	,	,	PUNCT
fsr-3203	262	27	and	and	CCONJ
fsr-3203	262	28	hispanic	hispanic	ADJ
fsr-3203	262	29	households	household	NOUN
fsr-3203	262	30	are	be	AUX
fsr-3203	262	31	at	at	ADP
fsr-3203	262	32	a	a	DET
fsr-3203	262	33	greater	great	ADJ
fsr-3203	262	34	risk	risk	NOUN
fsr-3203	262	35	of	of	ADP
fsr-3203	262	36	being	be	AUX
fsr-3203	262	37	inadequately	inadequately	ADV
fsr-3203	262	38	insured	insure	VERB
fsr-3203	262	39	;	;	PUNCT
fsr-3203	262	40	however	however	ADV
fsr-3203	262	41	,	,	PUNCT
fsr-3203	262	42	there	there	PRON
fsr-3203	262	43	is	be	VERB
fsr-3203	262	44	little	little	ADJ
fsr-3203	262	45	racial	racial	ADJ
fsr-3203	262	46	difference	difference	NOUN
fsr-3203	262	47	in	in	ADP
fsr-3203	262	48	2010	2010	NUM
fsr-3203	262	49	.	.	PUNCT
fsr-3203	263	1	households	household	NOUN
fsr-3203	263	2	whose	whose	DET
fsr-3203	263	3	assets	asset	NOUN
fsr-3203	263	4	exceed	exceed	VERB
fsr-3203	263	5	human	human	ADJ
fsr-3203	263	6	capital	capital	NOUN
fsr-3203	263	7	,	,	PUNCT
fsr-3203	263	8	and	and	CCONJ
fsr-3203	263	9	can	can	AUX
fsr-3203	263	10	afford	afford	VERB
fsr-3203	263	11	to	to	PART
fsr-3203	263	12	self	self	NOUN
fsr-3203	263	13	-	-	PUNCT
fsr-3203	263	14	insure	insure	NOUN
fsr-3203	263	15	,	,	PUNCT
fsr-3203	263	16	showed	show	VERB
fsr-3203	263	17	significant	significant	ADJ
fsr-3203	263	18	life	life	NOUN
fsr-3203	263	19	insurance	insurance	NOUN
fsr-3203	263	20	adequacy	adequacy	NOUN
fsr-3203	263	21	.	.	PUNCT
fsr-3203	264	1	in	in	ADP
fsr-3203	264	2	some	some	DET
fsr-3203	264	3	cases	case	NOUN
fsr-3203	264	4	when	when	SCONJ
fsr-3203	264	5	an	an	DET
fsr-3203	264	6	individual	individual	NOUN
fsr-3203	264	7	can	can	AUX
fsr-3203	264	8	self	self	NOUN
fsr-3203	264	9	-	-	PUNCT
fsr-3203	264	10	insure	insure	VERB
fsr-3203	264	11	,	,	PUNCT
fsr-3203	264	12	coverage	coverage	NOUN
fsr-3203	264	13	may	may	AUX
fsr-3203	264	14	not	not	PART
fsr-3203	264	15	even	even	ADV
fsr-3203	264	16	be	be	AUX
fsr-3203	264	17	necessary	necessary	ADJ
fsr-3203	264	18	,	,	PUNCT
fsr-3203	264	19	though	though	SCONJ
fsr-3203	264	20	it	it	PRON
fsr-3203	264	21	is	be	AUX
fsr-3203	264	22	certainly	certainly	ADV
fsr-3203	264	23	adequate	adequate	ADJ
fsr-3203	264	24	.	.	PUNCT
fsr-3203	265	1	married	married	ADJ
fsr-3203	265	2	households	household	NOUN
fsr-3203	265	3	,	,	PUNCT
fsr-3203	265	4	in	in	ADP
fsr-3203	265	5	2010	2010	NUM
fsr-3203	265	6	,	,	PUNCT
fsr-3203	265	7	are	be	AUX
fsr-3203	265	8	more	more	ADV
fsr-3203	265	9	likely	likely	ADJ
fsr-3203	265	10	than	than	ADP
fsr-3203	265	11	single	single	ADJ
fsr-3203	265	12	households	household	NOUN
fsr-3203	265	13	to	to	PART
fsr-3203	265	14	be	be	AUX
fsr-3203	265	15	adequately	adequately	ADV
fsr-3203	265	16	insured	insure	VERB
fsr-3203	265	17	.	.	PUNCT
fsr-3203	266	1	social	social	ADJ
fsr-3203	266	2	security	security	NOUN
fsr-3203	266	3	income	income	NOUN
fsr-3203	266	4	is	be	AUX
fsr-3203	266	5	also	also	ADV
fsr-3203	266	6	a	a	DET
fsr-3203	266	7	positive	positive	ADJ
fsr-3203	266	8	predictor	predictor	NOUN
fsr-3203	266	9	of	of	ADP
fsr-3203	266	10	life	life	NOUN
fsr-3203	266	11	insurance	insurance	NOUN
fsr-3203	266	12	301j.k	301j.k	NUM
fsr-3203	266	13	.	.	PUNCT
fsr-3203	267	1	scott	scott	PROPN
fsr-3203	267	2	,	,	PUNCT
fsr-3203	267	3	j.	j.	PROPN
fsr-3203	267	4	gilliam	gilliam	PROPN
fsr-3203	267	5	/	/	SYM
fsr-3203	267	6	financial	financial	PROPN
fsr-3203	267	7	services	service	NOUN
fsr-3203	267	8	review	review	VERB
fsr-3203	267	9	23	23	NUM
fsr-3203	267	10	(	(	PUNCT
fsr-3203	267	11	2014	2014	NUM
fsr-3203	267	12	)	)	PUNCT
fsr-3203	267	13	287–304	287–304	NUM
fsr-3203	267	14	adequacy	adequacy	NOUN
fsr-3203	267	15	.	.	PUNCT
fsr-3203	268	1	consistent	consistent	ADJ
fsr-3203	268	2	with	with	ADP
fsr-3203	268	3	prior	prior	ADJ
fsr-3203	268	4	studies	study	NOUN
fsr-3203	268	5	,	,	PUNCT
fsr-3203	268	6	social	social	ADJ
fsr-3203	268	7	security	security	NOUN
fsr-3203	268	8	acts	act	VERB
fsr-3203	268	9	as	as	ADP
fsr-3203	268	10	a	a	DET
fsr-3203	268	11	substitute	substitute	NOUN
fsr-3203	268	12	for	for	ADP
fsr-3203	268	13	life	life	NOUN
fsr-3203	268	14	insurance	insurance	NOUN
fsr-3203	268	15	but	but	CCONJ
fsr-3203	268	16	is	be	AUX
fsr-3203	268	17	also	also	ADV
fsr-3203	268	18	indicative	indicative	ADJ
fsr-3203	268	19	of	of	ADP
fsr-3203	268	20	household	household	NOUN
fsr-3203	268	21	wealth	wealth	NOUN
fsr-3203	268	22	(	(	PUNCT
fsr-3203	268	23	browne	browne	PROPN
fsr-3203	268	24	and	and	CCONJ
fsr-3203	268	25	kim	kim	PROPN
fsr-3203	268	26	,	,	PUNCT
fsr-3203	268	27	1993	1993	NUM
fsr-3203	268	28	;	;	PUNCT
fsr-3203	268	29	lewis	lewis	PROPN
fsr-3203	268	30	,	,	PUNCT
fsr-3203	268	31	1989	1989	NUM
fsr-3203	268	32	)	)	PUNCT
fsr-3203	268	33	.	.	PUNCT
fsr-3203	269	1	the	the	DET
fsr-3203	269	2	use	use	NOUN
fsr-3203	269	3	of	of	ADP
fsr-3203	269	4	a	a	DET
fsr-3203	269	5	financial	financial	ADJ
fsr-3203	269	6	planner	planner	NOUN
fsr-3203	269	7	is	be	AUX
fsr-3203	269	8	higher	high	ADJ
fsr-3203	269	9	among	among	ADP
fsr-3203	269	10	households	household	NOUN
fsr-3203	269	11	with	with	ADP
fsr-3203	269	12	adequate	adequate	ADJ
fsr-3203	269	13	life	life	NOUN
fsr-3203	269	14	insurance	insurance	NOUN
fsr-3203	269	15	compared	compare	VERB
fsr-3203	269	16	with	with	ADP
fsr-3203	269	17	the	the	DET
fsr-3203	269	18	all	all	DET
fsr-3203	269	19	respondents	respondent	NOUN
fsr-3203	269	20	sample	sample	NOUN
fsr-3203	269	21	.	.	PUNCT
fsr-3203	270	1	furthermore	furthermore	ADV
fsr-3203	270	2	,	,	PUNCT
fsr-3203	270	3	having	have	VERB
fsr-3203	270	4	a	a	DET
fsr-3203	270	5	financial	financial	ADJ
fsr-3203	270	6	planner	planner	NOUN
fsr-3203	270	7	compared	compare	VERB
fsr-3203	270	8	with	with	ADP
fsr-3203	270	9	households	household	NOUN
fsr-3203	270	10	without	without	ADP
fsr-3203	270	11	a	a	DET
fsr-3203	270	12	planner	planner	NOUN
fsr-3203	270	13	is	be	AUX
fsr-3203	270	14	a	a	DET
fsr-3203	270	15	significant	significant	ADJ
fsr-3203	270	16	predictor	predictor	NOUN
fsr-3203	270	17	in	in	ADP
fsr-3203	270	18	the	the	DET
fsr-3203	270	19	all	all	DET
fsr-3203	270	20	respondent	respondent	NOUN
fsr-3203	270	21	regression	regression	NOUN
fsr-3203	270	22	sample	sample	NOUN
fsr-3203	270	23	in	in	ADP
fsr-3203	270	24	2004	2004	NUM
fsr-3203	270	25	,	,	PUNCT
fsr-3203	270	26	suggesting	suggest	VERB
fsr-3203	270	27	that	that	SCONJ
fsr-3203	270	28	they	they	PRON
fsr-3203	270	29	are	be	AUX
fsr-3203	270	30	making	make	VERB
fsr-3203	270	31	a	a	DET
fsr-3203	270	32	positive	positive	ADJ
fsr-3203	270	33	impact	impact	NOUN
fsr-3203	270	34	on	on	ADP
fsr-3203	270	35	household	household	NOUN
fsr-3203	270	36	insurance	insurance	NOUN
fsr-3203	270	37	behavior	behavior	NOUN
fsr-3203	270	38	.	.	PUNCT
fsr-3203	271	1	the	the	DET
fsr-3203	271	2	results	result	NOUN
fsr-3203	271	3	indicate	indicate	VERB
fsr-3203	271	4	that	that	SCONJ
fsr-3203	271	5	variables	variable	NOUN
fsr-3203	271	6	related	relate	VERB
fsr-3203	271	7	to	to	ADP
fsr-3203	271	8	net	net	ADJ
fsr-3203	271	9	worth	worth	NOUN
fsr-3203	271	10	(	(	PUNCT
fsr-3203	271	11	specifically	specifically	ADV
fsr-3203	271	12	assets	asset	NOUN
fsr-3203	271	13	used	use	VERB
fsr-3203	271	14	to	to	PART
fsr-3203	271	15	calculate	calculate	VERB
fsr-3203	271	16	self	self	NOUN
fsr-3203	271	17	-	-	PUNCT
fsr-3203	271	18	insurability	insurability	NOUN
fsr-3203	271	19	)	)	PUNCT
fsr-3203	271	20	drive	drive	VERB
fsr-3203	271	21	life	life	NOUN
fsr-3203	271	22	insurance	insurance	NOUN
fsr-3203	271	23	adequacy	adequacy	NOUN
fsr-3203	271	24	.	.	PUNCT
fsr-3203	272	1	those	those	PRON
fsr-3203	272	2	who	who	PRON
fsr-3203	272	3	can	can	AUX
fsr-3203	272	4	afford	afford	VERB
fsr-3203	272	5	to	to	PART
fsr-3203	272	6	fully	fully	ADV
fsr-3203	272	7	insure	insure	VERB
fsr-3203	272	8	,	,	PUNCT
fsr-3203	272	9	having	have	VERB
fsr-3203	272	10	a	a	DET
fsr-3203	272	11	ratio	ratio	NOUN
fsr-3203	272	12	of	of	ADP
fsr-3203	272	13	insurance	insurance	NOUN
fsr-3203	272	14	to	to	ADP
fsr-3203	272	15	insurance	insurance	NOUN
fsr-3203	272	16	need	need	VERB
fsr-3203	272	17	greater	great	ADJ
fsr-3203	272	18	than	than	ADP
fsr-3203	272	19	or	or	CCONJ
fsr-3203	272	20	equal	equal	ADJ
fsr-3203	272	21	to	to	ADP
fsr-3203	272	22	one	one	NUM
fsr-3203	272	23	,	,	PUNCT
fsr-3203	272	24	are	be	AUX
fsr-3203	272	25	able	able	ADJ
fsr-3203	272	26	to	to	PART
fsr-3203	272	27	hold	hold	VERB
fsr-3203	272	28	suitable	suitable	ADJ
fsr-3203	272	29	amounts	amount	NOUN
fsr-3203	272	30	of	of	ADP
fsr-3203	272	31	life	life	NOUN
fsr-3203	272	32	insurance	insurance	NOUN
fsr-3203	272	33	or	or	CCONJ
fsr-3203	272	34	none	none	NOUN
fsr-3203	272	35	at	at	ADV
fsr-3203	272	36	all	all	ADV
fsr-3203	272	37	.	.	PUNCT
fsr-3203	273	1	though	though	SCONJ
fsr-3203	273	2	there	there	PRON
fsr-3203	273	3	is	be	VERB
fsr-3203	273	4	not	not	PART
fsr-3203	273	5	enough	enough	ADJ
fsr-3203	273	6	evidence	evidence	NOUN
fsr-3203	273	7	to	to	PART
fsr-3203	273	8	reject	reject	VERB
fsr-3203	273	9	the	the	DET
fsr-3203	273	10	null	null	ADJ
fsr-3203	273	11	hypothesis	hypothesis	NOUN
fsr-3203	273	12	post	post	NOUN
fsr-3203	273	13	2008	2008	NUM
fsr-3203	273	14	,	,	PUNCT
fsr-3203	273	15	as	as	SCONJ
fsr-3203	273	16	boomers	boomer	NOUN
fsr-3203	273	17	had	have	VERB
fsr-3203	273	18	better	well	ADJ
fsr-3203	273	19	life	life	NOUN
fsr-3203	273	20	insurance	insurance	NOUN
fsr-3203	273	21	protection	protection	NOUN
fsr-3203	273	22	than	than	ADP
fsr-3203	273	23	the	the	DET
fsr-3203	273	24	senior	senior	ADJ
fsr-3203	273	25	generation	generation	NOUN
fsr-3203	273	26	,	,	PUNCT
fsr-3203	273	27	this	this	DET
fsr-3203	273	28	topic	topic	NOUN
fsr-3203	273	29	warrants	warrant	VERB
fsr-3203	273	30	further	further	ADJ
fsr-3203	273	31	investigation	investigation	NOUN
fsr-3203	273	32	and	and	CCONJ
fsr-3203	273	33	has	have	AUX
fsr-3203	273	34	pressing	press	VERB
fsr-3203	273	35	implications	implication	NOUN
fsr-3203	273	36	to	to	ADP
fsr-3203	273	37	financial	financial	ADJ
fsr-3203	273	38	planning	planning	NOUN
fsr-3203	273	39	practitioners	practitioner	NOUN
fsr-3203	273	40	.	.	PUNCT
fsr-3203	274	1	given	give	VERB
fsr-3203	274	2	longevity	longevity	NOUN
fsr-3203	274	3	and	and	CCONJ
fsr-3203	274	4	changes	change	NOUN
fsr-3203	274	5	in	in	ADP
fsr-3203	274	6	the	the	DET
fsr-3203	274	7	definition	definition	NOUN
fsr-3203	274	8	and	and	CCONJ
fsr-3203	274	9	the	the	DET
fsr-3203	274	10	delay	delay	NOUN
fsr-3203	274	11	of	of	ADP
fsr-3203	274	12	retirement	retirement	NOUN
fsr-3203	274	13	for	for	ADP
fsr-3203	274	14	many	many	ADJ
fsr-3203	274	15	,	,	PUNCT
fsr-3203	274	16	it	it	PRON
fsr-3203	274	17	is	be	AUX
fsr-3203	274	18	important	important	ADJ
fsr-3203	274	19	to	to	PART
fsr-3203	274	20	better	well	ADV
fsr-3203	274	21	devise	devise	VERB
fsr-3203	274	22	ways	way	NOUN
fsr-3203	274	23	to	to	PART
fsr-3203	274	24	aid	aid	VERB
fsr-3203	274	25	households	household	NOUN
fsr-3203	274	26	in	in	ADP
fsr-3203	274	27	acquiring	acquire	VERB
fsr-3203	274	28	and	and	CCONJ
fsr-3203	274	29	sustaining	sustain	VERB
fsr-3203	274	30	adequate	adequate	ADJ
fsr-3203	274	31	life	life	NOUN
fsr-3203	274	32	insurance	insurance	NOUN
fsr-3203	274	33	.	.	PUNCT
fsr-3203	275	1	financial	financial	ADJ
fsr-3203	275	2	planning	planning	NOUN
fsr-3203	275	3	practitioners	practitioner	NOUN
fsr-3203	275	4	and	and	CCONJ
fsr-3203	275	5	life	life	NOUN
fsr-3203	275	6	insurance	insurance	NOUN
fsr-3203	275	7	agents	agent	NOUN
fsr-3203	275	8	can	can	AUX
fsr-3203	275	9	improve	improve	VERB
fsr-3203	275	10	their	their	PRON
fsr-3203	275	11	services	service	NOUN
fsr-3203	275	12	to	to	ADP
fsr-3203	275	13	clients	client	NOUN
fsr-3203	275	14	by	by	ADP
fsr-3203	275	15	recognizing	recognize	VERB
fsr-3203	275	16	generational	generational	ADJ
fsr-3203	275	17	cohort	cohort	NOUN
fsr-3203	275	18	differences	difference	NOUN
fsr-3203	275	19	and	and	CCONJ
fsr-3203	275	20	illustrating	illustrate	VERB
fsr-3203	275	21	dynamic	dynamic	ADJ
fsr-3203	275	22	life	life	NOUN
fsr-3203	275	23	insurance	insurance	NOUN
fsr-3203	275	24	needs	need	VERB
fsr-3203	275	25	analysis	analysis	NOUN
fsr-3203	275	26	in	in	ADP
fsr-3203	275	27	front	front	NOUN
fsr-3203	275	28	of	of	ADP
fsr-3203	275	29	clients	client	NOUN
fsr-3203	275	30	.	.	PUNCT
fsr-3203	276	1	this	this	PRON
fsr-3203	276	2	needs	need	VERB
fsr-3203	276	3	analysis	analysis	NOUN
fsr-3203	276	4	may	may	AUX
fsr-3203	276	5	be	be	AUX
fsr-3203	276	6	different	different	ADJ
fsr-3203	276	7	for	for	ADP
fsr-3203	276	8	each	each	DET
fsr-3203	276	9	generation	generation	NOUN
fsr-3203	276	10	.	.	PUNCT
fsr-3203	277	1	for	for	ADP
fsr-3203	277	2	example	example	NOUN
fsr-3203	277	3	,	,	PUNCT
fsr-3203	277	4	younger	young	ADJ
fsr-3203	277	5	consumers	consumer	NOUN
fsr-3203	277	6	are	be	AUX
fsr-3203	277	7	more	more	ADV
fsr-3203	277	8	interested	interested	ADJ
fsr-3203	277	9	in	in	ADP
fsr-3203	277	10	the	the	DET
fsr-3203	277	11	price	price	NOUN
fsr-3203	277	12	of	of	ADP
fsr-3203	277	13	insurance	insurance	NOUN
fsr-3203	277	14	,	,	PUNCT
fsr-3203	277	15	whereas	whereas	SCONJ
fsr-3203	277	16	older	old	ADJ
fsr-3203	277	17	households	household	NOUN
fsr-3203	277	18	want	want	VERB
fsr-3203	277	19	to	to	PART
fsr-3203	277	20	see	see	VERB
fsr-3203	277	21	product	product	NOUN
fsr-3203	277	22	comparisons	comparison	NOUN
fsr-3203	277	23	(	(	PUNCT
fsr-3203	277	24	lifejacket	lifejacket	NOUN
fsr-3203	277	25	study	study	NOUN
fsr-3203	277	26	,	,	PUNCT
fsr-3203	277	27	2011	2011	NUM
fsr-3203	277	28	)	)	PUNCT
fsr-3203	277	29	.	.	PUNCT
fsr-3203	278	1	purchase	purchase	NOUN
fsr-3203	278	2	preferences	preference	NOUN
fsr-3203	278	3	of	of	ADP
fsr-3203	278	4	baby	baby	NOUN
fsr-3203	278	5	boomers	boomer	NOUN
fsr-3203	278	6	are	be	AUX
fsr-3203	278	7	different	different	ADJ
fsr-3203	278	8	than	than	ADP
fsr-3203	278	9	younger	young	ADJ
fsr-3203	278	10	age	age	NOUN
fsr-3203	278	11	cohorts	cohort	NOUN
fsr-3203	278	12	.	.	PUNCT
fsr-3203	279	1	boomers	boomer	NOUN
fsr-3203	279	2	prefer	prefer	VERB
fsr-3203	279	3	face	face	NOUN
fsr-3203	279	4	-	-	PUNCT
fsr-3203	279	5	to	to	ADP
fsr-3203	279	6	-	-	PUNCT
fsr-3203	279	7	face	face	NOUN
fsr-3203	279	8	interaction	interaction	NOUN
fsr-3203	279	9	,	,	PUNCT
fsr-3203	279	10	especially	especially	ADV
fsr-3203	279	11	those	those	DET
fsr-3203	279	12	households	household	NOUN
fsr-3203	279	13	who	who	PRON
fsr-3203	279	14	have	have	AUX
fsr-3203	279	15	been	be	AUX
fsr-3203	279	16	divorced	divorce	VERB
fsr-3203	279	17	,	,	PUNCT
fsr-3203	279	18	are	be	AUX
fsr-3203	279	19	widowed	widow	VERB
fsr-3203	279	20	or	or	CCONJ
fsr-3203	279	21	separated	separate	VERB
fsr-3203	279	22	(	(	PUNCT
fsr-3203	279	23	mitchell	mitchell	PROPN
fsr-3203	279	24	,	,	PUNCT
fsr-3203	279	25	2011	2011	NUM
fsr-3203	279	26	)	)	PUNCT
fsr-3203	279	27	.	.	PUNCT
fsr-3203	280	1	sales	sale	NOUN
fsr-3203	280	2	strategies	strategy	NOUN
fsr-3203	280	3	that	that	PRON
fsr-3203	280	4	worked	work	VERB
fsr-3203	280	5	to	to	PART
fsr-3203	280	6	attract	attract	VERB
fsr-3203	280	7	boomers	boomer	NOUN
fsr-3203	280	8	may	may	AUX
fsr-3203	280	9	not	not	PART
fsr-3203	280	10	work	work	VERB
fsr-3203	280	11	for	for	ADP
fsr-3203	280	12	later	later	ADJ
fsr-3203	280	13	generations	generation	NOUN
fsr-3203	280	14	such	such	ADJ
fsr-3203	280	15	as	as	ADP
fsr-3203	280	16	generation	generation	NOUN
fsr-3203	280	17	y.	y.	PROPN
fsr-3203	280	18	technology	technology	PROPN
fsr-3203	280	19	innovation	innovation	NOUN
fsr-3203	280	20	,	,	PUNCT
fsr-3203	280	21	in	in	ADP
fsr-3203	280	22	addition	addition	NOUN
fsr-3203	280	23	to	to	ADP
fsr-3203	280	24	the	the	DET
fsr-3203	280	25	increase	increase	NOUN
fsr-3203	280	26	in	in	ADP
fsr-3203	280	27	speed	speed	NOUN
fsr-3203	280	28	of	of	ADP
fsr-3203	280	29	accessing	access	VERB
fsr-3203	280	30	information	information	NOUN
fsr-3203	280	31	now	now	ADV
fsr-3203	280	32	than	than	ADP
fsr-3203	280	33	in	in	ADP
fsr-3203	280	34	the	the	DET
fsr-3203	280	35	past	past	NOUN
fsr-3203	280	36	,	,	PUNCT
fsr-3203	280	37	provides	provide	VERB
fsr-3203	280	38	a	a	DET
fsr-3203	280	39	new	new	ADJ
fsr-3203	280	40	ground	ground	NOUN
fsr-3203	280	41	on	on	ADP
fsr-3203	280	42	which	which	PRON
fsr-3203	280	43	practitioners	practitioner	NOUN
fsr-3203	280	44	can	can	AUX
fsr-3203	280	45	capture	capture	VERB
fsr-3203	280	46	both	both	CCONJ
fsr-3203	280	47	younger	young	ADJ
fsr-3203	280	48	and	and	CCONJ
fsr-3203	280	49	older	old	ADJ
fsr-3203	280	50	age	age	NOUN
fsr-3203	280	51	groups	group	NOUN
fsr-3203	280	52	.	.	PUNCT
fsr-3203	281	1	regarding	regard	VERB
fsr-3203	281	2	life	life	NOUN
fsr-3203	281	3	insurance	insurance	NOUN
fsr-3203	281	4	purchase	purchase	NOUN
fsr-3203	281	5	via	via	ADP
fsr-3203	281	6	the	the	DET
fsr-3203	281	7	internet	internet	NOUN
fsr-3203	281	8	,	,	PUNCT
fsr-3203	281	9	purchase	purchase	NOUN
fsr-3203	281	10	strategies	strategy	NOUN
fsr-3203	281	11	tailored	tailor	VERB
fsr-3203	281	12	specifically	specifically	ADV
fsr-3203	281	13	to	to	ADP
fsr-3203	281	14	men	man	NOUN
fsr-3203	281	15	may	may	AUX
fsr-3203	281	16	be	be	AUX
fsr-3203	281	17	worthwhile	worthwhile	ADJ
fsr-3203	281	18	,	,	PUNCT
fsr-3203	281	19	because	because	SCONJ
fsr-3203	281	20	more	more	ADJ
fsr-3203	281	21	males	male	NOUN
fsr-3203	281	22	than	than	ADP
fsr-3203	281	23	females	female	NOUN
fsr-3203	281	24	shop	shop	NOUN
fsr-3203	281	25	for	for	ADP
fsr-3203	281	26	life	life	NOUN
fsr-3203	281	27	insurance	insurance	NOUN
fsr-3203	281	28	online	online	ADV
fsr-3203	281	29	(	(	PUNCT
fsr-3203	281	30	mitchell	mitchell	PROPN
fsr-3203	281	31	,	,	PUNCT
fsr-3203	281	32	2011	2011	NUM
fsr-3203	281	33	)	)	PUNCT
fsr-3203	281	34	.	.	PUNCT
fsr-3203	282	1	for	for	ADP
fsr-3203	282	2	example	example	NOUN
fsr-3203	282	3	,	,	PUNCT
fsr-3203	282	4	using	use	VERB
fsr-3203	282	5	language	language	NOUN
fsr-3203	282	6	that	that	PRON
fsr-3203	282	7	evokes	evoke	VERB
fsr-3203	282	8	emotion	emotion	NOUN
fsr-3203	282	9	,	,	PUNCT
fsr-3203	282	10	for	for	ADP
fsr-3203	282	11	example	example	NOUN
fsr-3203	282	12	,	,	PUNCT
fsr-3203	282	13	“	"	PUNCT
fsr-3203	282	14	breadwinner	breadwinner	NOUN
fsr-3203	282	15	,	,	PUNCT
fsr-3203	282	16	”	"	PUNCT
fsr-3203	282	17	or	or	CCONJ
fsr-3203	282	18	“	"	PUNCT
fsr-3203	282	19	do	do	AUX
fsr-3203	282	20	not	not	PART
fsr-3203	282	21	leave	leave	VERB
fsr-3203	282	22	your	your	PRON
fsr-3203	282	23	family	family	NOUN
fsr-3203	282	24	unprotected	unprotected	ADJ
fsr-3203	282	25	,	,	PUNCT
fsr-3203	282	26	”	"	PUNCT
fsr-3203	282	27	rather	rather	ADV
fsr-3203	282	28	than	than	ADP
fsr-3203	282	29	deterring	deter	VERB
fsr-3203	282	30	consumers	consumer	NOUN
fsr-3203	282	31	with	with	ADP
fsr-3203	282	32	morbid	morbid	ADJ
fsr-3203	282	33	language	language	NOUN
fsr-3203	282	34	is	be	AUX
fsr-3203	282	35	important	important	ADJ
fsr-3203	282	36	.	.	PUNCT
fsr-3203	283	1	social	social	ADJ
fsr-3203	283	2	policy	policy	NOUN
fsr-3203	283	3	implications	implication	NOUN
fsr-3203	283	4	are	be	AUX
fsr-3203	283	5	evident	evident	ADJ
fsr-3203	283	6	from	from	ADP
fsr-3203	283	7	the	the	DET
fsr-3203	283	8	study	study	NOUN
fsr-3203	283	9	.	.	PUNCT
fsr-3203	284	1	auerbach	auerbach	PROPN
fsr-3203	284	2	and	and	CCONJ
fsr-3203	284	3	kotlikoff	kotlikoff	NOUN
fsr-3203	284	4	(	(	PUNCT
fsr-3203	284	5	1991	1991	NUM
fsr-3203	284	6	)	)	PUNCT
fsr-3203	284	7	suggest	suggest	VERB
fsr-3203	284	8	that	that	SCONJ
fsr-3203	284	9	employers	employer	NOUN
fsr-3203	284	10	may	may	AUX
fsr-3203	284	11	consider	consider	VERB
fsr-3203	284	12	increasing	increase	VERB
fsr-3203	284	13	group	group	NOUN
fsr-3203	284	14	life	life	NOUN
fsr-3203	284	15	insurance	insurance	NOUN
fsr-3203	284	16	coverage	coverage	NOUN
fsr-3203	284	17	.	.	PUNCT
fsr-3203	285	1	other	other	ADJ
fsr-3203	285	2	considerations	consideration	NOUN
fsr-3203	285	3	to	to	PART
fsr-3203	285	4	lessen	lessen	VERB
fsr-3203	285	5	potential	potential	ADJ
fsr-3203	285	6	hardships	hardship	NOUN
fsr-3203	285	7	from	from	ADP
fsr-3203	285	8	the	the	DET
fsr-3203	285	9	lack	lack	NOUN
fsr-3203	285	10	of	of	ADP
fsr-3203	285	11	adequate	adequate	ADJ
fsr-3203	285	12	life	life	NOUN
fsr-3203	285	13	insurance	insurance	NOUN
fsr-3203	285	14	include	include	VERB
fsr-3203	285	15	expanding	expand	VERB
fsr-3203	285	16	social	social	ADJ
fsr-3203	285	17	security	security	NOUN
fsr-3203	285	18	survivor	survivor	NOUN
fsr-3203	285	19	benefits	benefit	NOUN
fsr-3203	285	20	.	.	PUNCT
fsr-3203	286	1	however	however	ADV
fsr-3203	286	2	,	,	PUNCT
fsr-3203	286	3	both	both	PRON
fsr-3203	286	4	of	of	ADP
fsr-3203	286	5	these	these	DET
fsr-3203	286	6	suggestions	suggestion	NOUN
fsr-3203	286	7	warrant	warrant	VERB
fsr-3203	286	8	further	further	ADJ
fsr-3203	286	9	research	research	NOUN
fsr-3203	286	10	and	and	CCONJ
fsr-3203	286	11	resources	resource	NOUN
fsr-3203	286	12	.	.	PUNCT
fsr-3203	287	1	education	education	NOUN
fsr-3203	287	2	is	be	AUX
fsr-3203	287	3	key	key	ADJ
fsr-3203	287	4	(	(	PUNCT
fsr-3203	287	5	thomas	thomas	PROPN
fsr-3203	287	6	,	,	PUNCT
fsr-3203	287	7	2006	2006	NUM
fsr-3203	287	8	)	)	PUNCT
fsr-3203	287	9	and	and	CCONJ
fsr-3203	287	10	insurance	insurance	NOUN
fsr-3203	287	11	agents	agent	NOUN
fsr-3203	287	12	have	have	AUX
fsr-3203	287	13	cultivated	cultivate	VERB
fsr-3203	287	14	a	a	DET
fsr-3203	287	15	reputation	reputation	NOUN
fsr-3203	287	16	in	in	ADP
fsr-3203	287	17	the	the	DET
fsr-3203	287	18	industry	industry	NOUN
fsr-3203	287	19	—	—	PUNCT
fsr-3203	287	20	whether	whether	SCONJ
fsr-3203	287	21	good	good	ADJ
fsr-3203	287	22	or	or	CCONJ
fsr-3203	287	23	bad	bad	ADJ
fsr-3203	287	24	.	.	PUNCT
fsr-3203	288	1	however	however	ADV
fsr-3203	288	2	,	,	PUNCT
fsr-3203	288	3	agents	agent	NOUN
fsr-3203	288	4	must	must	AUX
fsr-3203	288	5	realize	realize	VERB
fsr-3203	288	6	that	that	PRON
fsr-3203	288	7	trust	trust	NOUN
fsr-3203	288	8	precedes	precede	VERB
fsr-3203	288	9	education	education	NOUN
fsr-3203	288	10	,	,	PUNCT
fsr-3203	288	11	because	because	SCONJ
fsr-3203	288	12	it	it	PRON
fsr-3203	288	13	is	be	AUX
fsr-3203	288	14	a	a	DET
fsr-3203	288	15	vital	vital	ADJ
fsr-3203	288	16	factor	factor	NOUN
fsr-3203	288	17	in	in	ADP
fsr-3203	288	18	purchasing	purchasing	NOUN
fsr-3203	288	19	decisions	decision	NOUN
fsr-3203	288	20	,	,	PUNCT
fsr-3203	288	21	especially	especially	ADV
fsr-3203	288	22	among	among	ADP
fsr-3203	288	23	boomers	boomer	NOUN
fsr-3203	288	24	.	.	PUNCT
fsr-3203	289	1	for	for	ADP
fsr-3203	289	2	example	example	NOUN
fsr-3203	289	3	,	,	PUNCT
fsr-3203	289	4	blacks	black	NOUN
fsr-3203	289	5	are	be	AUX
fsr-3203	289	6	more	more	ADV
fsr-3203	289	7	likely	likely	ADJ
fsr-3203	289	8	than	than	SCONJ
fsr-3203	289	9	whites	white	NOUN
fsr-3203	289	10	to	to	PART
fsr-3203	289	11	report	report	VERB
fsr-3203	289	12	that	that	SCONJ
fsr-3203	289	13	agents	agent	NOUN
fsr-3203	289	14	are	be	AUX
fsr-3203	289	15	trustworthy	trustworthy	ADJ
fsr-3203	289	16	and	and	CCONJ
fsr-3203	289	17	females	female	NOUN
fsr-3203	289	18	are	be	AUX
fsr-3203	289	19	more	more	ADV
fsr-3203	289	20	likely	likely	ADJ
fsr-3203	289	21	than	than	ADP
fsr-3203	289	22	males	male	NOUN
fsr-3203	289	23	to	to	PART
fsr-3203	289	24	have	have	VERB
fsr-3203	289	25	a	a	DET
fsr-3203	289	26	positive	positive	ADJ
fsr-3203	289	27	view	view	NOUN
fsr-3203	289	28	of	of	ADP
fsr-3203	289	29	insurance	insurance	NOUN
fsr-3203	289	30	salespersons	salesperson	NOUN
fsr-3203	289	31	(	(	PUNCT
fsr-3203	289	32	mitchell	mitchell	PROPN
fsr-3203	289	33	,	,	PUNCT
fsr-3203	289	34	2011	2011	NUM
fsr-3203	289	35	)	)	PUNCT
fsr-3203	289	36	.	.	PUNCT
fsr-3203	290	1	being	be	AUX
fsr-3203	290	2	transparent	transparent	ADJ
fsr-3203	290	3	about	about	ADP
fsr-3203	290	4	fees	fee	NOUN
fsr-3203	290	5	and	and	CCONJ
fsr-3203	290	6	sales	sale	NOUN
fsr-3203	290	7	charges	charge	NOUN
fsr-3203	290	8	is	be	AUX
fsr-3203	290	9	another	another	DET
fsr-3203	290	10	integral	integral	ADJ
fsr-3203	290	11	part	part	NOUN
fsr-3203	290	12	of	of	ADP
fsr-3203	290	13	educating	educate	VERB
fsr-3203	290	14	clients	client	NOUN
fsr-3203	290	15	and	and	CCONJ
fsr-3203	290	16	building	build	VERB
fsr-3203	290	17	trust	trust	NOUN
fsr-3203	290	18	among	among	ADP
fsr-3203	290	19	all	all	DET
fsr-3203	290	20	age	age	NOUN
fsr-3203	290	21	cohorts	cohort	NOUN
fsr-3203	290	22	(	(	PUNCT
fsr-3203	290	23	thomas	thomas	PROPN
fsr-3203	290	24	,	,	PUNCT
fsr-3203	290	25	2006	2006	NUM
fsr-3203	290	26	)	)	PUNCT
fsr-3203	290	27	.	.	PUNCT
fsr-3203	291	1	taking	take	VERB
fsr-3203	291	2	generational	generational	ADJ
fsr-3203	291	3	differences	difference	NOUN
fsr-3203	291	4	into	into	ADP
fsr-3203	291	5	302	302	NUM
fsr-3203	291	6	j.k	j.k	PROPN
fsr-3203	291	7	.	.	PROPN
fsr-3203	291	8	scott	scott	PROPN
fsr-3203	291	9	,	,	PUNCT
fsr-3203	291	10	j.	j.	PROPN
fsr-3203	291	11	gilliam	gilliam	PROPN
fsr-3203	291	12	/	/	SYM
fsr-3203	291	13	financial	financial	PROPN
fsr-3203	291	14	services	service	NOUN
fsr-3203	291	15	review	review	VERB
fsr-3203	291	16	23	23	NUM
fsr-3203	291	17	(	(	PUNCT
fsr-3203	291	18	2014	2014	NUM
fsr-3203	291	19	)	)	PUNCT
fsr-3203	292	1	287–304	287–304	NUM
fsr-3203	292	2	consideration	consideration	NOUN
fsr-3203	292	3	can	can	AUX
fsr-3203	292	4	be	be	AUX
fsr-3203	292	5	of	of	ADP
fsr-3203	292	6	tremendous	tremendous	ADJ
fsr-3203	292	7	value	value	NOUN
fsr-3203	292	8	to	to	ADP
fsr-3203	292	9	insurance	insurance	NOUN
fsr-3203	292	10	agents	agent	NOUN
fsr-3203	292	11	,	,	PUNCT
fsr-3203	292	12	financial	financial	ADJ
fsr-3203	292	13	service	service	NOUN
fsr-3203	292	14	professionals	professional	NOUN
fsr-3203	292	15	,	,	PUNCT
fsr-3203	292	16	and	and	CCONJ
fsr-3203	292	17	educators	educator	NOUN
fsr-3203	292	18	.	.	PUNCT
fsr-3203	293	1	we	we	PRON
fsr-3203	293	2	are	be	AUX
fsr-3203	293	3	in	in	ADP
fsr-3203	293	4	an	an	DET
fsr-3203	293	5	indispensable	indispensable	ADJ
fsr-3203	293	6	position	position	NOUN
fsr-3203	293	7	to	to	PART
fsr-3203	293	8	help	help	VERB
fsr-3203	293	9	manage	manage	VERB
fsr-3203	293	10	preferences	preference	NOUN
fsr-3203	293	11	and	and	CCONJ
fsr-3203	293	12	shape	shape	VERB
fsr-3203	293	13	perceptions	perception	NOUN
fsr-3203	293	14	about	about	ADP
fsr-3203	293	15	the	the	DET
fsr-3203	293	16	future	future	NOUN
fsr-3203	293	17	.	.	PUNCT
fsr-3203	294	1	references	reference	NOUN
fsr-3203	294	2	auerbach	auerbach	VERB
fsr-3203	294	3	,	,	PUNCT
fsr-3203	294	4	a.	a.	PROPN
fsr-3203	294	5	j.	j.	PROPN
fsr-3203	294	6	,	,	PUNCT
fsr-3203	294	7	&	&	CCONJ
fsr-3203	294	8	kotlikoff	kotlikoff	PROPN
fsr-3203	294	9	,	,	PUNCT
fsr-3203	294	10	l.	l.	PROPN
fsr-3203	294	11	(	(	PUNCT
fsr-3203	294	12	1991	1991	NUM
fsr-3203	294	13	)	)	PUNCT
fsr-3203	294	14	.	.	PUNCT
fsr-3203	295	1	life	life	NOUN
fsr-3203	295	2	insurance	insurance	NOUN
fsr-3203	295	3	inadequacy	inadequacy	NOUN
fsr-3203	295	4	-	-	PUNCT
fsr-3203	295	5	evidence	evidence	NOUN
fsr-3203	295	6	from	from	ADP
fsr-3203	295	7	a	a	DET
fsr-3203	295	8	sample	sample	NOUN
fsr-3203	295	9	of	of	ADP
fsr-3203	295	10	older	old	ADJ
fsr-3203	295	11	widows	widow	NOUN
fsr-3203	295	12	(	(	PUNCT
fsr-3203	295	13	no	no	INTJ
fsr-3203	295	14	.	.	PUNCT
fsr-3203	296	1	w3765	w3765	NUM
fsr-3203	296	2	)	)	PUNCT
fsr-3203	296	3	.	.	PUNCT
fsr-3203	297	1	cambridge	cambridge	PROPN
fsr-3203	297	2	,	,	PUNCT
fsr-3203	297	3	ma	ma	PROPN
fsr-3203	297	4	:	:	PUNCT
fsr-3203	297	5	national	national	PROPN
fsr-3203	297	6	bureau	bureau	PROPN
fsr-3203	297	7	of	of	ADP
fsr-3203	297	8	economic	economic	ADJ
fsr-3203	297	9	research	research	NOUN
fsr-3203	297	10	.	.	PUNCT
fsr-3203	298	1	baek	baek	NOUN
fsr-3203	298	2	,	,	PUNCT
fsr-3203	298	3	e.	e.	PROPN
fsr-3203	298	4	,	,	PUNCT
fsr-3203	298	5	&	&	CCONJ
fsr-3203	298	6	devaney	devaney	PROPN
fsr-3203	298	7	,	,	PUNCT
fsr-3203	298	8	s.	s.	PROPN
fsr-3203	298	9	a.	a.	PROPN
fsr-3203	298	10	(	(	PUNCT
fsr-3203	298	11	2005	2005	NUM
fsr-3203	298	12	)	)	PUNCT
fsr-3203	298	13	.	.	PUNCT
fsr-3203	299	1	human	human	ADJ
fsr-3203	299	2	capital	capital	NOUN
fsr-3203	299	3	,	,	PUNCT
fsr-3203	299	4	bequest	bequest	NOUN
fsr-3203	299	5	motives	motive	NOUN
fsr-3203	299	6	,	,	PUNCT
fsr-3203	299	7	risk	risk	NOUN
fsr-3203	299	8	,	,	PUNCT
fsr-3203	299	9	and	and	CCONJ
fsr-3203	299	10	the	the	DET
fsr-3203	299	11	purchase	purchase	NOUN
fsr-3203	299	12	of	of	ADP
fsr-3203	299	13	life	life	NOUN
fsr-3203	299	14	insurance	insurance	NOUN
fsr-3203	299	15	.	.	PUNCT
fsr-3203	300	1	journal	journal	NOUN
fsr-3203	300	2	of	of	ADP
fsr-3203	300	3	personal	personal	ADJ
fsr-3203	300	4	finance	finance	NOUN
fsr-3203	300	5	,	,	PUNCT
fsr-3203	300	6	4	4	NUM
fsr-3203	300	7	,	,	PUNCT
fsr-3203	300	8	62–84	62–84	NUM
fsr-3203	300	9	.	.	PUNCT
fsr-3203	301	1	baranoff	baranoff	PROPN
fsr-3203	301	2	,	,	PUNCT
fsr-3203	301	3	e.	e.	PROPN
fsr-3203	301	4	g.	g.	PROPN
fsr-3203	301	5	,	,	PUNCT
fsr-3203	301	6	&	&	CCONJ
fsr-3203	301	7	sager	sager	PROPN
fsr-3203	301	8	,	,	PUNCT
fsr-3203	301	9	t.	t.	PROPN
fsr-3203	301	10	w.	w.	PROPN
fsr-3203	301	11	(	(	PUNCT
fsr-3203	301	12	2009	2009	NUM
fsr-3203	301	13	)	)	PUNCT
fsr-3203	301	14	.	.	PUNCT
fsr-3203	302	1	the	the	DET
fsr-3203	302	2	impact	impact	NOUN
fsr-3203	302	3	of	of	ADP
fsr-3203	302	4	mortgage	mortgage	NOUN
fsr-3203	302	5	-	-	PUNCT
fsr-3203	302	6	backed	back	VERB
fsr-3203	302	7	securities	security	NOUN
fsr-3203	302	8	on	on	ADP
fsr-3203	302	9	capital	capital	NOUN
fsr-3203	302	10	requirements	requirement	NOUN
fsr-3203	302	11	of	of	ADP
fsr-3203	302	12	life	life	NOUN
fsr-3203	302	13	insurers	insurer	NOUN
fsr-3203	302	14	in	in	ADP
fsr-3203	302	15	the	the	DET
fsr-3203	302	16	financial	financial	ADJ
fsr-3203	302	17	crisis	crisis	NOUN
fsr-3203	302	18	of	of	ADP
fsr-3203	302	19	2007–2008	2007–2008	NUM
fsr-3203	302	20	.	.	PUNCT
fsr-3203	303	1	the	the	DET
fsr-3203	303	2	geneva	geneva	PROPN
fsr-3203	303	3	papers	paper	NOUN
fsr-3203	303	4	on	on	ADP
fsr-3203	303	5	risk	risk	NOUN
fsr-3203	303	6	and	and	CCONJ
fsr-3203	303	7	insurance	insurance	NOUN
fsr-3203	303	8	-	-	PUNCT
fsr-3203	303	9	issues	issue	NOUN
fsr-3203	303	10	and	and	CCONJ
fsr-3203	303	11	practice	practice	NOUN
fsr-3203	303	12	,	,	PUNCT
fsr-3203	303	13	34	34	NUM
fsr-3203	303	14	,	,	PUNCT
fsr-3203	303	15	100–118	100–118	NUM
fsr-3203	303	16	.	.	PUNCT
fsr-3203	303	17	beinhocker	beinhocker	PROPN
fsr-3203	303	18	,	,	PUNCT
fsr-3203	303	19	e.	e.	PROPN
fsr-3203	303	20	d.	d.	PROPN
fsr-3203	303	21	,	,	PUNCT
fsr-3203	303	22	farrell	farrell	PROPN
fsr-3203	303	23	,	,	PUNCT
fsr-3203	303	24	d.	d.	PROPN
fsr-3203	303	25	,	,	PUNCT
fsr-3203	303	26	&	&	CCONJ
fsr-3203	303	27	greenberg	greenberg	PROPN
fsr-3203	303	28	,	,	PUNCT
fsr-3203	303	29	e.	e.	PROPN
fsr-3203	303	30	(	(	PUNCT
fsr-3203	303	31	2009	2009	NUM
fsr-3203	303	32	)	)	PUNCT
fsr-3203	303	33	.	.	PUNCT
fsr-3203	304	1	why	why	SCONJ
fsr-3203	304	2	baby	baby	NOUN
fsr-3203	304	3	boomers	boomer	NOUN
fsr-3203	304	4	will	will	AUX
fsr-3203	304	5	need	need	VERB
fsr-3203	304	6	to	to	PART
fsr-3203	304	7	work	work	VERB
fsr-3203	304	8	longer	long	ADV
fsr-3203	304	9	.	.	PUNCT
fsr-3203	305	1	mckinsey	mckinsey	PROPN
fsr-3203	305	2	quarterly	quarterly	ADV
fsr-3203	305	3	,	,	PUNCT
fsr-3203	305	4	1	1	NUM
fsr-3203	305	5	,	,	PUNCT
fsr-3203	305	6	118–127	118–127	NUM
fsr-3203	305	7	.	.	PUNCT
fsr-3203	305	8	bernheim	bernheim	PROPN
fsr-3203	305	9	,	,	PUNCT
fsr-3203	305	10	b.	b.	PROPN
fsr-3203	305	11	d.	d.	PROPN
fsr-3203	305	12	(	(	PUNCT
fsr-3203	305	13	1991	1991	NUM
fsr-3203	305	14	)	)	PUNCT
fsr-3203	305	15	.	.	PUNCT
fsr-3203	306	1	how	how	SCONJ
fsr-3203	306	2	strong	strong	ADJ
fsr-3203	306	3	are	be	AUX
fsr-3203	306	4	bequest	bequest	ADJ
fsr-3203	306	5	motives	motive	NOUN
fsr-3203	306	6	?	?	PUNCT
fsr-3203	307	1	evidence	evidence	NOUN
fsr-3203	307	2	based	base	VERB
fsr-3203	307	3	on	on	ADP
fsr-3203	307	4	estimates	estimate	NOUN
fsr-3203	307	5	of	of	ADP
fsr-3203	307	6	the	the	DET
fsr-3203	307	7	demand	demand	NOUN
fsr-3203	307	8	for	for	ADP
fsr-3203	307	9	life	life	NOUN
fsr-3203	307	10	insurance	insurance	NOUN
fsr-3203	307	11	and	and	CCONJ
fsr-3203	307	12	annuities	annuity	NOUN
fsr-3203	307	13	.	.	PUNCT
fsr-3203	308	1	journal	journal	NOUN
fsr-3203	308	2	of	of	ADP
fsr-3203	308	3	political	political	ADJ
fsr-3203	308	4	economy	economy	NOUN
fsr-3203	308	5	,	,	PUNCT
fsr-3203	308	6	99	99	NUM
fsr-3203	308	7	,	,	PUNCT
fsr-3203	308	8	899–927	899–927	NUM
fsr-3203	308	9	.	.	PUNCT
fsr-3203	309	1	bernheim	bernheim	PROPN
fsr-3203	309	2	,	,	PUNCT
fsr-3203	309	3	b.	b.	PROPN
fsr-3203	309	4	d.	d.	PROPN
fsr-3203	309	5	,	,	PUNCT
fsr-3203	309	6	forni	forni	PROPN
fsr-3203	309	7	,	,	PUNCT
fsr-3203	309	8	l.	l.	PROPN
fsr-3203	309	9	,	,	PUNCT
fsr-3203	309	10	gokhale	gokhale	PROPN
fsr-3203	309	11	,	,	PUNCT
fsr-3203	309	12	j.	j.	PROPN
fsr-3203	309	13	,	,	PUNCT
fsr-3203	309	14	&	&	CCONJ
fsr-3203	309	15	kotlikoff	kotlikoff	PROPN
fsr-3203	309	16	,	,	PUNCT
fsr-3203	309	17	l.	l.	PROPN
fsr-3203	309	18	j.	j.	PROPN
fsr-3203	309	19	(	(	PUNCT
fsr-3203	309	20	1999	1999	NUM
fsr-3203	309	21	)	)	PUNCT
fsr-3203	309	22	.	.	PUNCT
fsr-3203	310	1	the	the	DET
fsr-3203	310	2	adequacy	adequacy	NOUN
fsr-3203	310	3	of	of	ADP
fsr-3203	310	4	life	life	NOUN
fsr-3203	310	5	insurance	insurance	NOUN
fsr-3203	310	6	:	:	PUNCT
fsr-3203	310	7	evidence	evidence	NOUN
fsr-3203	310	8	from	from	ADP
fsr-3203	310	9	the	the	DET
fsr-3203	310	10	health	health	NOUN
fsr-3203	310	11	and	and	CCONJ
fsr-3203	310	12	retirement	retirement	NOUN
fsr-3203	310	13	survey	survey	NOUN
fsr-3203	310	14	(	(	PUNCT
fsr-3203	310	15	no	no	INTJ
fsr-3203	310	16	.	.	PUNCT
fsr-3203	310	17	w7372	w7372	NOUN
fsr-3203	310	18	)	)	PUNCT
fsr-3203	310	19	.	.	PUNCT
fsr-3203	311	1	cambridge	cambridge	PROPN
fsr-3203	311	2	,	,	PUNCT
fsr-3203	311	3	ma	ma	PROPN
fsr-3203	311	4	:	:	PUNCT
fsr-3203	311	5	national	national	PROPN
fsr-3203	311	6	bureau	bureau	PROPN
fsr-3203	311	7	of	of	ADP
fsr-3203	311	8	economic	economic	ADJ
fsr-3203	311	9	research	research	NOUN
fsr-3203	311	10	.	.	PUNCT
fsr-3203	312	1	bernheim	bernheim	PROPN
fsr-3203	312	2	,	,	PUNCT
fsr-3203	312	3	b.	b.	PROPN
fsr-3203	312	4	d.	d.	PROPN
fsr-3203	312	5	,	,	PUNCT
fsr-3203	312	6	carman	carman	PROPN
fsr-3203	312	7	,	,	PUNCT
fsr-3203	312	8	k.	k.	PROPN
fsr-3203	312	9	g.	g.	PROPN
fsr-3203	312	10	,	,	PUNCT
fsr-3203	312	11	gokhale	gokhale	PROPN
fsr-3203	312	12	,	,	PUNCT
fsr-3203	312	13	j.	j.	PROPN
fsr-3203	312	14	,	,	PUNCT
fsr-3203	312	15	&	&	CCONJ
fsr-3203	312	16	kotlikoff	kotlikoff	PROPN
fsr-3203	312	17	,	,	PUNCT
fsr-3203	312	18	l.	l.	PROPN
fsr-3203	312	19	j.	j.	PROPN
fsr-3203	312	20	(	(	PUNCT
fsr-3203	312	21	2001	2001	NUM
fsr-3203	312	22	)	)	PUNCT
fsr-3203	312	23	.	.	PUNCT
fsr-3203	313	1	the	the	DET
fsr-3203	313	2	mismatch	mismatch	NOUN
fsr-3203	313	3	between	between	ADP
fsr-3203	313	4	life	life	NOUN
fsr-3203	313	5	insurance	insurance	NOUN
fsr-3203	313	6	holdings	holding	NOUN
fsr-3203	313	7	and	and	CCONJ
fsr-3203	313	8	financial	financial	ADJ
fsr-3203	313	9	vulnerabilities	vulnerability	NOUN
fsr-3203	313	10	:	:	PUNCT
fsr-3203	313	11	evidence	evidence	NOUN
fsr-3203	313	12	from	from	ADP
fsr-3203	313	13	the	the	DET
fsr-3203	313	14	survey	survey	NOUN
fsr-3203	313	15	of	of	ADP
fsr-3203	313	16	consumer	consumer	NOUN
fsr-3203	313	17	finances	finance	NOUN
fsr-3203	313	18	(	(	PUNCT
fsr-3203	313	19	no	no	INTJ
fsr-3203	313	20	.	.	PUNCT
fsr-3203	313	21	w8544	w8544	NOUN
fsr-3203	313	22	)	)	PUNCT
fsr-3203	313	23	.	.	PUNCT
fsr-3203	314	1	cambridge	cambridge	PROPN
fsr-3203	314	2	,	,	PUNCT
fsr-3203	314	3	ma	ma	PROPN
fsr-3203	314	4	:	:	PUNCT
fsr-3203	314	5	national	national	PROPN
fsr-3203	314	6	bureau	bureau	PROPN
fsr-3203	314	7	of	of	ADP
fsr-3203	314	8	economic	economic	ADJ
fsr-3203	314	9	research	research	NOUN
fsr-3203	314	10	.	.	PUNCT
fsr-3203	315	1	brown	brown	PROPN
fsr-3203	315	2	,	,	PUNCT
fsr-3203	315	3	j.	j.	PROPN
fsr-3203	315	4	r.	r.	PROPN
fsr-3203	315	5	(	(	PUNCT
fsr-3203	315	6	1999	1999	NUM
fsr-3203	315	7	)	)	PUNCT
fsr-3203	315	8	.	.	PUNCT
fsr-3203	316	1	are	be	AUX
fsr-3203	316	2	the	the	DET
fsr-3203	316	3	elderly	elderly	ADJ
fsr-3203	316	4	really	really	ADV
fsr-3203	316	5	over	over	ADV
fsr-3203	316	6	-	-	PUNCT
fsr-3203	316	7	annuitized	annuitize	VERB
fsr-3203	316	8	?	?	PUNCT
fsr-3203	317	1	new	new	ADJ
fsr-3203	317	2	evidence	evidence	NOUN
fsr-3203	317	3	on	on	ADP
fsr-3203	317	4	life	life	NOUN
fsr-3203	317	5	insurance	insurance	NOUN
fsr-3203	317	6	and	and	CCONJ
fsr-3203	317	7	bequests	bequest	NOUN
fsr-3203	317	8	(	(	PUNCT
fsr-3203	317	9	no	no	INTJ
fsr-3203	317	10	.	.	PUNCT
fsr-3203	317	11	w7193	w7193	PROPN
fsr-3203	317	12	)	)	PUNCT
fsr-3203	317	13	.	.	PUNCT
fsr-3203	318	1	cambridge	cambridge	PROPN
fsr-3203	318	2	,	,	PUNCT
fsr-3203	318	3	ma	ma	PROPN
fsr-3203	318	4	:	:	PUNCT
fsr-3203	318	5	national	national	PROPN
fsr-3203	318	6	bureau	bureau	PROPN
fsr-3203	318	7	of	of	ADP
fsr-3203	318	8	economic	economic	PROPN
fsr-3203	318	9	research	research	PROPN
fsr-3203	318	10	browne	browne	PROPN
fsr-3203	318	11	,	,	PUNCT
fsr-3203	318	12	m.	m.	PROPN
fsr-3203	318	13	j.	j.	PROPN
fsr-3203	318	14	,	,	PUNCT
fsr-3203	318	15	&	&	CCONJ
fsr-3203	318	16	kim	kim	PROPN
fsr-3203	318	17	,	,	PUNCT
fsr-3203	318	18	k.	k.	PROPN
fsr-3203	318	19	(	(	PUNCT
fsr-3203	318	20	1993	1993	NUM
fsr-3203	318	21	)	)	PUNCT
fsr-3203	318	22	.	.	PUNCT
fsr-3203	319	1	an	an	DET
fsr-3203	319	2	international	international	ADJ
fsr-3203	319	3	analysis	analysis	NOUN
fsr-3203	319	4	of	of	ADP
fsr-3203	319	5	life	life	NOUN
fsr-3203	319	6	insurance	insurance	NOUN
fsr-3203	319	7	demand	demand	NOUN
fsr-3203	319	8	.	.	PUNCT
fsr-3203	320	1	journal	journal	NOUN
fsr-3203	320	2	of	of	ADP
fsr-3203	320	3	risk	risk	NOUN
fsr-3203	320	4	and	and	CCONJ
fsr-3203	320	5	insurance	insurance	NOUN
fsr-3203	320	6	,	,	PUNCT
fsr-3203	320	7	60	60	NUM
fsr-3203	320	8	,	,	PUNCT
fsr-3203	320	9	616–634	616–634	NUM
fsr-3203	320	10	.	.	PUNCT
fsr-3203	321	1	bryant	bryant	PROPN
fsr-3203	321	2	,	,	PUNCT
fsr-3203	321	3	w.	w.	PROPN
fsr-3203	321	4	k.	k.	PROPN
fsr-3203	321	5	,	,	PUNCT
fsr-3203	321	6	&	&	CCONJ
fsr-3203	321	7	zick	zick	PROPN
fsr-3203	321	8	,	,	PUNCT
fsr-3203	321	9	c.	c.	PROPN
fsr-3203	321	10	d.	d.	PROPN
fsr-3203	321	11	(	(	PUNCT
fsr-3203	321	12	2006	2006	NUM
fsr-3203	321	13	)	)	PUNCT
fsr-3203	321	14	.	.	PUNCT
fsr-3203	322	1	the	the	DET
fsr-3203	322	2	economic	economic	ADJ
fsr-3203	322	3	organization	organization	NOUN
fsr-3203	322	4	of	of	ADP
fsr-3203	322	5	the	the	DET
fsr-3203	322	6	household	household	NOUN
fsr-3203	322	7	.	.	PUNCT
fsr-3203	323	1	new	new	PROPN
fsr-3203	323	2	york	york	PROPN
fsr-3203	323	3	,	,	PUNCT
fsr-3203	323	4	ny	ny	PROPN
fsr-3203	323	5	:	:	PUNCT
fsr-3203	323	6	cambridge	cambridge	PROPN
fsr-3203	323	7	university	university	PROPN
fsr-3203	323	8	press	press	NOUN
fsr-3203	323	9	.	.	PUNCT
fsr-3203	324	1	campbell	campbell	PROPN
fsr-3203	324	2	,	,	PUNCT
fsr-3203	324	3	r.	r.	PROPN
fsr-3203	324	4	(	(	PUNCT
fsr-3203	324	5	1980	1980	NUM
fsr-3203	324	6	)	)	PUNCT
fsr-3203	324	7	.	.	PUNCT
fsr-3203	325	1	the	the	DET
fsr-3203	325	2	demand	demand	NOUN
fsr-3203	325	3	for	for	ADP
fsr-3203	325	4	life	life	NOUN
fsr-3203	325	5	insurance	insurance	NOUN
fsr-3203	325	6	:	:	PUNCT
fsr-3203	325	7	an	an	DET
fsr-3203	325	8	application	application	NOUN
fsr-3203	325	9	of	of	ADP
fsr-3203	325	10	the	the	DET
fsr-3203	325	11	economics	economic	NOUN
fsr-3203	325	12	of	of	ADP
fsr-3203	325	13	uncertainty	uncertainty	NOUN
fsr-3203	325	14	.	.	PUNCT
fsr-3203	326	1	journal	journal	PROPN
fsr-3203	326	2	of	of	ADP
fsr-3203	326	3	finance	finance	NOUN
fsr-3203	326	4	,	,	PUNCT
fsr-3203	326	5	35(5	35(5	NUM
fsr-3203	326	6	)	)	PUNCT
fsr-3203	326	7	,	,	PUNCT
fsr-3203	326	8	1155–1172	1155–1172	NUM
fsr-3203	326	9	.	.	PUNCT
fsr-3203	327	1	chen	chen	PROPN
fsr-3203	327	2	,	,	PUNCT
fsr-3203	327	3	r.	r.	PROPN
fsr-3203	327	4	,	,	PUNCT
fsr-3203	327	5	wong	wong	PROPN
fsr-3203	327	6	,	,	PUNCT
fsr-3203	327	7	k.	k.	PROPN
fsr-3203	327	8	a.	a.	PROPN
fsr-3203	327	9	&	&	CCONJ
fsr-3203	327	10	lee	lee	PROPN
fsr-3203	327	11	,	,	PUNCT
fsr-3203	327	12	h.	h.	PROPN
fsr-3203	327	13	c.	c.	PROPN
fsr-3203	327	14	(	(	PUNCT
fsr-3203	327	15	2001	2001	NUM
fsr-3203	327	16	)	)	PUNCT
fsr-3203	327	17	.	.	PUNCT
fsr-3203	328	1	age	age	NOUN
fsr-3203	328	2	,	,	PUNCT
fsr-3203	328	3	period	period	NOUN
fsr-3203	328	4	and	and	CCONJ
fsr-3203	328	5	cohort	cohort	NOUN
fsr-3203	328	6	effects	effect	NOUN
fsr-3203	328	7	on	on	ADP
fsr-3203	328	8	life	life	NOUN
fsr-3203	328	9	insurance	insurance	NOUN
fsr-3203	328	10	purchases	purchase	NOUN
fsr-3203	328	11	in	in	ADP
fsr-3203	328	12	the	the	DET
fsr-3203	328	13	u.s	u.s	PROPN
fsr-3203	328	14	.	.	PROPN
fsr-3203	328	15	the	the	DET
fsr-3203	328	16	journal	journal	NOUN
fsr-3203	328	17	of	of	ADP
fsr-3203	328	18	risk	risk	NOUN
fsr-3203	328	19	and	and	CCONJ
fsr-3203	328	20	insurance	insurance	NOUN
fsr-3203	328	21	,	,	PUNCT
fsr-3203	328	22	68	68	NUM
fsr-3203	328	23	,	,	PUNCT
fsr-3203	328	24	303–327	303–327	NUM
fsr-3203	328	25	.	.	PUNCT
fsr-3203	329	1	collins	collins	PROPN
fsr-3203	329	2	,	,	PUNCT
fsr-3203	329	3	p.	p.	PROPN
fsr-3203	329	4	,	,	PUNCT
fsr-3203	329	5	&	&	CCONJ
fsr-3203	329	6	lam	lam	PROPN
fsr-3203	329	7	,	,	PUNCT
fsr-3203	329	8	h.	h.	PROPN
fsr-3203	329	9	d.	d.	PROPN
fsr-3203	329	10	(	(	PUNCT
fsr-3203	329	11	2011	2011	NUM
fsr-3203	329	12	)	)	PUNCT
fsr-3203	329	13	.	.	PUNCT
fsr-3203	330	1	asset	asset	NOUN
fsr-3203	330	2	allocation	allocation	NOUN
fsr-3203	330	3	,	,	PUNCT
fsr-3203	330	4	human	human	ADJ
fsr-3203	330	5	capital	capital	NOUN
fsr-3203	330	6	,	,	PUNCT
fsr-3203	330	7	and	and	CCONJ
fsr-3203	330	8	the	the	DET
fsr-3203	330	9	demand	demand	NOUN
fsr-3203	330	10	to	to	PART
fsr-3203	330	11	hold	hold	VERB
fsr-3203	330	12	life	life	NOUN
fsr-3203	330	13	insurance	insurance	NOUN
fsr-3203	330	14	in	in	ADP
fsr-3203	330	15	retirement	retirement	NOUN
fsr-3203	330	16	.	.	PUNCT
fsr-3203	331	1	financial	financial	ADJ
fsr-3203	331	2	services	service	NOUN
fsr-3203	331	3	review	review	PROPN
fsr-3203	331	4	,	,	PUNCT
fsr-3203	331	5	20	20	NUM
fsr-3203	331	6	,	,	PUNCT
fsr-3203	331	7	303	303	NUM
fsr-3203	331	8	.	.	PUNCT
fsr-3203	332	1	devaney	devaney	PROPN
fsr-3203	332	2	,	,	PUNCT
fsr-3203	332	3	s.	s.	PROPN
fsr-3203	332	4	a.	a.	PROPN
fsr-3203	332	5	(	(	PUNCT
fsr-3203	332	6	1995	1995	NUM
fsr-3203	332	7	)	)	PUNCT
fsr-3203	332	8	.	.	PUNCT
fsr-3203	333	1	retirement	retirement	NOUN
fsr-3203	333	2	preparation	preparation	NOUN
fsr-3203	333	3	of	of	ADP
fsr-3203	333	4	older	old	ADJ
fsr-3203	333	5	and	and	CCONJ
fsr-3203	333	6	younger	young	ADJ
fsr-3203	333	7	baby	baby	NOUN
fsr-3203	333	8	boomers	boomer	NOUN
fsr-3203	333	9	.	.	PUNCT
fsr-3203	334	1	financial	financial	ADJ
fsr-3203	334	2	counseling	counseling	NOUN
fsr-3203	334	3	and	and	CCONJ
fsr-3203	334	4	planning	planning	NOUN
fsr-3203	334	5	,	,	PUNCT
fsr-3203	334	6	6	6	NUM
fsr-3203	334	7	,	,	PUNCT
fsr-3203	334	8	25–33	25–33	NUM
fsr-3203	334	9	.	.	PUNCT
fsr-3203	335	1	farrell	farrell	PROPN
fsr-3203	335	2	,	,	PUNCT
fsr-3203	335	3	c.	c.	PROPN
fsr-3203	335	4	(	(	PUNCT
fsr-3203	335	5	2013	2013	NUM
fsr-3203	335	6	)	)	PUNCT
fsr-3203	335	7	.	.	PUNCT
fsr-3203	336	1	do	do	AUX
fsr-3203	336	2	n’t	not	PART
fsr-3203	336	3	weep	weep	VERB
fsr-3203	336	4	for	for	ADP
fsr-3203	336	5	boomers	boomer	NOUN
fsr-3203	336	6	close	close	ADJ
fsr-3203	336	7	to	to	ADP
fsr-3203	336	8	retirement	retirement	NOUN
fsr-3203	336	9	.	.	PUNCT
fsr-3203	337	1	businessweek.com	businessweek.com	X
fsr-3203	337	2	,	,	PUNCT
fsr-3203	337	3	1	1	NUM
fsr-3203	337	4	.	.	PUNCT
fsr-3203	338	1	finke	finke	PROPN
fsr-3203	338	2	,	,	PUNCT
fsr-3203	338	3	m.	m.	NOUN
fsr-3203	338	4	,	,	PUNCT
fsr-3203	338	5	huston	huston	PROPN
fsr-3203	338	6	,	,	PUNCT
fsr-3203	338	7	s.	s.	PROPN
fsr-3203	338	8	,	,	PUNCT
fsr-3203	338	9	&	&	CCONJ
fsr-3203	338	10	waller	waller	PROPN
fsr-3203	338	11	,	,	PUNCT
fsr-3203	338	12	w.	w.	PROPN
fsr-3203	338	13	(	(	PUNCT
fsr-3203	338	14	2009	2009	NUM
fsr-3203	338	15	)	)	PUNCT
fsr-3203	338	16	.	.	PUNCT
fsr-3203	339	1	do	do	AUX
fsr-3203	339	2	contracts	contract	NOUN
fsr-3203	339	3	impact	impact	VERB
fsr-3203	339	4	comprehensive	comprehensive	ADJ
fsr-3203	339	5	financial	financial	ADJ
fsr-3203	339	6	advice	advice	NOUN
fsr-3203	339	7	.	.	PUNCT
fsr-3203	340	1	financial	financial	ADJ
fsr-3203	340	2	services	service	NOUN
fsr-3203	340	3	review	review	PROPN
fsr-3203	340	4	,	,	PUNCT
fsr-3203	340	5	18	18	NUM
fsr-3203	340	6	,	,	PUNCT
fsr-3203	340	7	177–193	177–193	NUM
fsr-3203	340	8	.	.	PUNCT
fsr-3203	341	1	fitzgerald	fitzgerald	PROPN
fsr-3203	341	2	,	,	PUNCT
fsr-3203	341	3	j.	j.	PROPN
fsr-3203	341	4	(	(	PUNCT
fsr-3203	341	5	1987	1987	NUM
fsr-3203	341	6	)	)	PUNCT
fsr-3203	341	7	.	.	PUNCT
fsr-3203	342	1	the	the	DET
fsr-3203	342	2	effects	effect	NOUN
fsr-3203	342	3	of	of	ADP
fsr-3203	342	4	social	social	ADJ
fsr-3203	342	5	security	security	NOUN
fsr-3203	342	6	on	on	ADP
fsr-3203	342	7	life	life	NOUN
fsr-3203	342	8	insurance	insurance	NOUN
fsr-3203	342	9	demand	demand	NOUN
fsr-3203	342	10	by	by	ADP
fsr-3203	342	11	married	married	ADJ
fsr-3203	342	12	couples	couple	NOUN
fsr-3203	342	13	.	.	PUNCT
fsr-3203	343	1	journal	journal	NOUN
fsr-3203	343	2	of	of	ADP
fsr-3203	343	3	risk	risk	NOUN
fsr-3203	343	4	and	and	CCONJ
fsr-3203	343	5	insurance	insurance	NOUN
fsr-3203	343	6	,	,	PUNCT
fsr-3203	343	7	54	54	NUM
fsr-3203	343	8	,	,	PUNCT
fsr-3203	343	9	86–99	86–99	NUM
fsr-3203	343	10	.	.	PUNCT
fsr-3203	344	1	fortune	fortune	NOUN
fsr-3203	344	2	,	,	PUNCT
fsr-3203	344	3	p.	p.	NOUN
fsr-3203	344	4	(	(	PUNCT
fsr-3203	344	5	1973	1973	NUM
fsr-3203	344	6	)	)	PUNCT
fsr-3203	344	7	.	.	PUNCT
fsr-3203	345	1	a	a	DET
fsr-3203	345	2	theory	theory	NOUN
fsr-3203	345	3	of	of	ADP
fsr-3203	345	4	optimal	optimal	ADJ
fsr-3203	345	5	life	life	NOUN
fsr-3203	345	6	insurance	insurance	NOUN
fsr-3203	345	7	:	:	PUNCT
fsr-3203	345	8	development	development	NOUN
fsr-3203	345	9	and	and	CCONJ
fsr-3203	345	10	tests	test	NOUN
fsr-3203	345	11	.	.	PUNCT
fsr-3203	346	1	journal	journal	NOUN
fsr-3203	346	2	of	of	ADP
fsr-3203	346	3	finance	finance	NOUN
fsr-3203	346	4	,	,	PUNCT
fsr-3203	346	5	28	28	NUM
fsr-3203	346	6	,	,	PUNCT
fsr-3203	346	7	587–600	587–600	NUM
fsr-3203	346	8	.	.	PUNCT
fsr-3203	346	9	gandolfi	gandolfi	NOUN
fsr-3203	346	10	,	,	PUNCT
fsr-3203	346	11	a.	a.	PROPN
fsr-3203	346	12	s.	s.	PROPN
fsr-3203	346	13	,	,	PUNCT
fsr-3203	346	14	&	&	CCONJ
fsr-3203	346	15	miners	miner	NOUN
fsr-3203	346	16	,	,	PUNCT
fsr-3203	346	17	l.	l.	PROPN
fsr-3203	346	18	(	(	PUNCT
fsr-3203	346	19	1996	1996	NUM
fsr-3203	346	20	)	)	PUNCT
fsr-3203	346	21	.	.	PUNCT
fsr-3203	347	1	gender	gender	NOUN
fsr-3203	347	2	-	-	PUNCT
fsr-3203	347	3	based	base	VERB
fsr-3203	347	4	differences	difference	NOUN
fsr-3203	347	5	in	in	ADP
fsr-3203	347	6	life	life	NOUN
fsr-3203	347	7	insurance	insurance	NOUN
fsr-3203	347	8	ownership	ownership	NOUN
fsr-3203	347	9	.	.	PUNCT
fsr-3203	348	1	journal	journal	NOUN
fsr-3203	348	2	of	of	ADP
fsr-3203	348	3	risk	risk	NOUN
fsr-3203	348	4	and	and	CCONJ
fsr-3203	348	5	insurance	insurance	NOUN
fsr-3203	348	6	,	,	PUNCT
fsr-3203	348	7	63	63	NUM
fsr-3203	348	8	,	,	PUNCT
fsr-3203	348	9	683–693	683–693	NUM
fsr-3203	348	10	.	.	PUNCT
fsr-3203	349	1	gokhale	gokhale	NOUN
fsr-3203	349	2	,	,	PUNCT
fsr-3203	349	3	j.	j.	PROPN
fsr-3203	349	4	,	,	PUNCT
fsr-3203	349	5	&	&	CCONJ
fsr-3203	349	6	kotlikoff	kotlikoff	PROPN
fsr-3203	349	7	,	,	PUNCT
fsr-3203	349	8	l.	l.	PROPN
fsr-3203	349	9	j.	j.	PROPN
fsr-3203	349	10	(	(	PUNCT
fsr-3203	349	11	2000	2000	NUM
fsr-3203	349	12	)	)	PUNCT
fsr-3203	349	13	.	.	PUNCT
fsr-3203	350	1	the	the	DET
fsr-3203	350	2	baby	baby	NOUN
fsr-3203	350	3	boomers	boomer	NOUN
fsr-3203	350	4	’	'	PUNCT
fsr-3203	350	5	mega	mega	NOUN
fsr-3203	350	6	-	-	NOUN
fsr-3203	350	7	inheritance	inheritance	NOUN
fsr-3203	350	8	:	:	PUNCT
fsr-3203	350	9	myth	myth	NOUN
fsr-3203	350	10	or	or	CCONJ
fsr-3203	350	11	reality	reality	NOUN
fsr-3203	350	12	?	?	PUNCT
fsr-3203	351	1	federal	federal	PROPN
fsr-3203	351	2	reserve	reserve	PROPN
fsr-3203	351	3	bank	bank	PROPN
fsr-3203	351	4	of	of	ADP
fsr-3203	351	5	cleveland	cleveland	PROPN
fsr-3203	351	6	,	,	PUNCT
fsr-3203	351	7	research	research	NOUN
fsr-3203	351	8	department	department	PROPN
fsr-3203	351	9	.	.	PUNCT
fsr-3203	352	1	ibbotson	ibbotson	PROPN
fsr-3203	352	2	,	,	PUNCT
fsr-3203	352	3	r.	r.	PROPN
fsr-3203	352	4	g.	g.	PROPN
fsr-3203	352	5	,	,	PUNCT
fsr-3203	352	6	milevsky	milevsky	NOUN
fsr-3203	352	7	,	,	PUNCT
fsr-3203	352	8	m.	m.	NOUN
fsr-3203	352	9	a.	a.	PROPN
fsr-3203	352	10	,	,	PUNCT
fsr-3203	352	11	chen	chen	PROPN
fsr-3203	352	12	,	,	PUNCT
fsr-3203	352	13	p.	p.	PROPN
fsr-3203	352	14	,	,	PUNCT
fsr-3203	352	15	&	&	CCONJ
fsr-3203	352	16	zhu	zhu	PROPN
fsr-3203	352	17	,	,	PUNCT
fsr-3203	352	18	k.	k.	PROPN
fsr-3203	352	19	x.	x.	PROPN
fsr-3203	352	20	(	(	PUNCT
fsr-3203	352	21	2007	2007	NUM
fsr-3203	352	22	)	)	PUNCT
fsr-3203	352	23	.	.	PUNCT
fsr-3203	353	1	lifetime	lifetime	NOUN
fsr-3203	353	2	financial	financial	ADJ
fsr-3203	353	3	advice	advice	NOUN
fsr-3203	353	4	:	:	PUNCT
fsr-3203	353	5	human	human	ADJ
fsr-3203	353	6	capital	capital	NOUN
fsr-3203	353	7	,	,	PUNCT
fsr-3203	353	8	asset	asset	NOUN
fsr-3203	353	9	allocation	allocation	NOUN
fsr-3203	353	10	,	,	PUNCT
fsr-3203	353	11	and	and	CCONJ
fsr-3203	353	12	insurance	insurance	NOUN
fsr-3203	353	13	.	.	PUNCT
fsr-3203	354	1	charlottesville	charlottesville	PROPN
fsr-3203	354	2	,	,	PUNCT
fsr-3203	354	3	va	va	PROPN
fsr-3203	354	4	:	:	PUNCT
fsr-3203	354	5	research	research	NOUN
fsr-3203	354	6	foundation	foundation	PROPN
fsr-3203	354	7	of	of	ADP
fsr-3203	354	8	cfa	cfa	PROPN
fsr-3203	354	9	institute	institute	PROPN
fsr-3203	354	10	.	.	PUNCT
fsr-3203	355	1	johnson	johnson	PROPN
fsr-3203	355	2	,	,	PUNCT
fsr-3203	355	3	r.	r.	PROPN
fsr-3203	355	4	e.	e.	PROPN
fsr-3203	355	5	(	(	PUNCT
fsr-3203	355	6	1970	1970	NUM
fsr-3203	355	7	)	)	PUNCT
fsr-3203	355	8	.	.	PUNCT
fsr-3203	356	1	the	the	DET
fsr-3203	356	2	college	college	NOUN
fsr-3203	356	3	professor	professor	NOUN
fsr-3203	356	4	and	and	CCONJ
fsr-3203	356	5	the	the	DET
fsr-3203	356	6	adequacy	adequacy	NOUN
fsr-3203	356	7	of	of	ADP
fsr-3203	356	8	his	his	PRON
fsr-3203	356	9	insurance	insurance	NOUN
fsr-3203	356	10	coverage	coverage	NOUN
fsr-3203	356	11	.	.	PUNCT
fsr-3203	357	1	journal	journal	NOUN
fsr-3203	357	2	of	of	ADP
fsr-3203	357	3	risk	risk	NOUN
fsr-3203	357	4	&	&	CCONJ
fsr-3203	357	5	insurance	insurance	NOUN
fsr-3203	357	6	,	,	PUNCT
fsr-3203	357	7	37	37	NUM
fsr-3203	357	8	,	,	PUNCT
fsr-3203	357	9	105–114	105–114	NUM
fsr-3203	357	10	.	.	PUNCT
fsr-3203	357	11	303j.k	303j.k	NUM
fsr-3203	357	12	.	.	PUNCT
fsr-3203	358	1	scott	scott	PROPN
fsr-3203	358	2	,	,	PUNCT
fsr-3203	358	3	j.	j.	PROPN
fsr-3203	358	4	gilliam	gilliam	PROPN
fsr-3203	358	5	/	/	SYM
fsr-3203	358	6	financial	financial	PROPN
fsr-3203	358	7	services	service	NOUN
fsr-3203	358	8	review	review	VERB
fsr-3203	358	9	23	23	NUM
fsr-3203	358	10	(	(	PUNCT
fsr-3203	358	11	2014	2014	NUM
fsr-3203	358	12	)	)	PUNCT
fsr-3203	359	1	287–304	287–304	NUM
fsr-3203	359	2	kirkpatrick	kirkpatrick	PROPN
fsr-3203	359	3	,	,	PUNCT
fsr-3203	359	4	c.	c.	PROPN
fsr-3203	359	5	,	,	PUNCT
fsr-3203	359	6	&	&	CCONJ
fsr-3203	359	7	tennant	tennant	PROPN
fsr-3203	359	8	,	,	PUNCT
fsr-3203	359	9	d.	d.	PROPN
fsr-3203	359	10	(	(	PUNCT
fsr-3203	359	11	2002	2002	NUM
fsr-3203	359	12	)	)	PUNCT
fsr-3203	359	13	.	.	PUNCT
fsr-3203	360	1	responding	respond	VERB
fsr-3203	360	2	to	to	ADP
fsr-3203	360	3	financial	financial	ADJ
fsr-3203	360	4	crisis	crisis	NOUN
fsr-3203	360	5	:	:	PUNCT
fsr-3203	360	6	the	the	DET
fsr-3203	360	7	case	case	NOUN
fsr-3203	360	8	of	of	ADP
fsr-3203	360	9	jamaica	jamaica	PROPN
fsr-3203	360	10	.	.	PUNCT
fsr-3203	361	1	world	world	PROPN
fsr-3203	361	2	development	development	PROPN
fsr-3203	361	3	,	,	PUNCT
fsr-3203	361	4	30	30	NUM
fsr-3203	361	5	,	,	PUNCT
fsr-3203	361	6	1933–1950	1933–1950	NUM
fsr-3203	361	7	.	.	PUNCT
fsr-3203	361	8	knickman	knickman	PROPN
fsr-3203	361	9	,	,	PUNCT
fsr-3203	361	10	j.	j.	PROPN
fsr-3203	361	11	r.	r.	PROPN
fsr-3203	361	12	,	,	PUNCT
fsr-3203	361	13	&	&	CCONJ
fsr-3203	361	14	snell	snell	PROPN
fsr-3203	361	15	,	,	PUNCT
fsr-3203	361	16	e.	e.	PROPN
fsr-3203	361	17	k.	k.	PROPN
fsr-3203	361	18	(	(	PUNCT
fsr-3203	361	19	2002	2002	NUM
fsr-3203	361	20	)	)	PUNCT
fsr-3203	361	21	.	.	PUNCT
fsr-3203	362	1	the	the	DET
fsr-3203	362	2	2030	2030	NUM
fsr-3203	362	3	problem	problem	NOUN
fsr-3203	362	4	:	:	PUNCT
fsr-3203	362	5	caring	care	VERB
fsr-3203	362	6	for	for	ADP
fsr-3203	362	7	aging	age	VERB
fsr-3203	362	8	baby	baby	NOUN
fsr-3203	362	9	boomers	boomer	NOUN
fsr-3203	362	10	.	.	PUNCT
fsr-3203	363	1	health	health	NOUN
fsr-3203	363	2	services	service	NOUN
fsr-3203	363	3	research	research	NOUN
fsr-3203	363	4	,	,	PUNCT
fsr-3203	363	5	37	37	NUM
fsr-3203	363	6	,	,	PUNCT
fsr-3203	363	7	849–884	849–884	NUM
fsr-3203	363	8	.	.	PUNCT
fsr-3203	364	1	lewis	lewis	PROPN
fsr-3203	364	2	,	,	PUNCT
fsr-3203	364	3	f.	f.	PROPN
fsr-3203	364	4	(	(	PUNCT
fsr-3203	364	5	1989	1989	NUM
fsr-3203	364	6	)	)	PUNCT
fsr-3203	364	7	.	.	PUNCT
fsr-3203	365	1	dependents	dependent	NOUN
fsr-3203	365	2	and	and	CCONJ
fsr-3203	365	3	the	the	DET
fsr-3203	365	4	demand	demand	NOUN
fsr-3203	365	5	for	for	ADP
fsr-3203	365	6	life	life	NOUN
fsr-3203	365	7	insurance	insurance	NOUN
fsr-3203	365	8	.	.	PUNCT
fsr-3203	366	1	the	the	DET
fsr-3203	366	2	american	american	PROPN
fsr-3203	366	3	economic	economic	PROPN
fsr-3203	366	4	review	review	PROPN
fsr-3203	366	5	,	,	PUNCT
fsr-3203	366	6	79	79	NUM
fsr-3203	366	7	,	,	PUNCT
fsr-3203	366	8	452–467	452–467	NUM
fsr-3203	366	9	.	.	PUNCT
fsr-3203	367	1	the	the	DET
fsr-3203	367	2	lifejacket	lifejacket	NOUN
fsr-3203	367	3	study	study	NOUN
fsr-3203	367	4	.	.	PUNCT
fsr-3203	368	1	(	(	PUNCT
fsr-3203	368	2	2011	2011	NUM
fsr-3203	368	3	)	)	PUNCT
fsr-3203	368	4	.	.	PUNCT
fsr-3203	369	1	seven	seven	NUM
fsr-3203	369	2	key	key	ADJ
fsr-3203	369	3	insights	insight	NOUN
fsr-3203	369	4	to	to	PART
fsr-3203	369	5	help	help	VERB
fsr-3203	369	6	close	close	VERB
fsr-3203	369	7	the	the	DET
fsr-3203	369	8	coverage	coverage	NOUN
fsr-3203	369	9	gap	gap	NOUN
fsr-3203	369	10	.	.	PUNCT
fsr-3203	370	1	life	life	NOUN
fsr-3203	370	2	insurance	insurance	NOUN
fsr-3203	370	3	.	.	PUNCT
fsr-3203	371	1	new	new	PROPN
fsr-3203	371	2	york	york	PROPN
fsr-3203	371	3	,	,	PUNCT
fsr-3203	371	4	ny	ny	PROPN
fsr-3203	371	5	:	:	PUNCT
fsr-3203	371	6	genworth	genworth	PROPN
fsr-3203	371	7	life	life	PROPN
fsr-3203	371	8	insurance	insurance	NOUN
fsr-3203	371	9	company	company	NOUN
fsr-3203	371	10	.	.	PUNCT
fsr-3203	372	1	lin	lin	PROPN
fsr-3203	372	2	,	,	PUNCT
fsr-3203	372	3	y.	y.	PROPN
fsr-3203	372	4	,	,	PUNCT
fsr-3203	372	5	&	&	CCONJ
fsr-3203	372	6	grace	grace	NOUN
fsr-3203	372	7	,	,	PUNCT
fsr-3203	372	8	m.	m.	NOUN
fsr-3203	372	9	f.	f.	PROPN
fsr-3203	372	10	(	(	PUNCT
fsr-3203	372	11	2007	2007	NUM
fsr-3203	372	12	)	)	PUNCT
fsr-3203	372	13	.	.	PUNCT
fsr-3203	373	1	household	household	NOUN
fsr-3203	373	2	life	life	NOUN
fsr-3203	373	3	cycle	cycle	NOUN
fsr-3203	373	4	protection	protection	NOUN
fsr-3203	373	5	:	:	PUNCT
fsr-3203	373	6	life	life	NOUN
fsr-3203	373	7	insurance	insurance	NOUN
fsr-3203	373	8	holdings	holding	NOUN
fsr-3203	373	9	,	,	PUNCT
fsr-3203	373	10	financial	financial	ADJ
fsr-3203	373	11	vulnerability	vulnerability	NOUN
fsr-3203	373	12	,	,	PUNCT
fsr-3203	373	13	and	and	CCONJ
fsr-3203	373	14	portfolio	portfolio	NOUN
fsr-3203	373	15	implications	implication	NOUN
fsr-3203	373	16	.	.	PUNCT
fsr-3203	374	1	journal	journal	NOUN
fsr-3203	374	2	of	of	ADP
fsr-3203	374	3	risk	risk	NOUN
fsr-3203	374	4	and	and	CCONJ
fsr-3203	374	5	insurance	insurance	NOUN
fsr-3203	374	6	,	,	PUNCT
fsr-3203	374	7	74	74	NUM
fsr-3203	374	8	,	,	PUNCT
fsr-3203	374	9	141–173	141–173	NUM
fsr-3203	374	10	.	.	PUNCT
fsr-3203	375	1	mitchell	mitchell	PROPN
fsr-3203	375	2	,	,	PUNCT
fsr-3203	375	3	j.	j.	PROPN
fsr-3203	375	4	o.	o.	PROPN
fsr-3203	375	5	(	(	PUNCT
fsr-3203	375	6	2011	2011	NUM
fsr-3203	375	7	)	)	PUNCT
fsr-3203	375	8	.	.	PUNCT
fsr-3203	376	1	2011	2011	NUM
fsr-3203	376	2	insurance	insurance	NOUN
fsr-3203	376	3	barometer	barometer	NOUN
fsr-3203	376	4	study	study	NOUN
fsr-3203	376	5	.	.	PUNCT
fsr-3203	377	1	usa	usa	PROPN
fsr-3203	377	2	:	:	PUNCT
fsr-3203	377	3	life	life	NOUN
fsr-3203	377	4	foundation	foundation	NOUN
fsr-3203	377	5	and	and	CCONJ
fsr-3203	377	6	ll	ll	AUX
fsr-3203	377	7	global	global	PROPN
fsr-3203	377	8	,	,	PUNCT
fsr-3203	377	9	inc	inc	PROPN
fsr-3203	377	10	.	.	PROPN
fsr-3203	377	11	mitchel	mitchel	PROPN
fsr-3203	377	12	,	,	PUNCT
fsr-3203	377	13	j.	j.	PROPN
fsr-3203	377	14	o.	o.	PROPN
fsr-3203	377	15	(	(	PUNCT
fsr-3203	377	16	2003	2003	NUM
fsr-3203	377	17	)	)	PUNCT
fsr-3203	377	18	.	.	PUNCT
fsr-3203	378	1	the	the	DET
fsr-3203	378	2	adequacy	adequacy	NOUN
fsr-3203	378	3	of	of	ADP
fsr-3203	378	4	life	life	NOUN
fsr-3203	378	5	insurance	insurance	NOUN
fsr-3203	378	6	coverage	coverage	NOUN
fsr-3203	378	7	in	in	ADP
fsr-3203	378	8	u.s	u.s	PROPN
fsr-3203	378	9	.	.	PROPN
fsr-3203	378	10	households	household	NOUN
fsr-3203	378	11	.	.	PUNCT
fsr-3203	379	1	journal	journal	NOUN
fsr-3203	379	2	of	of	ADP
fsr-3203	379	3	financial	financial	ADJ
fsr-3203	379	4	service	service	NOUN
fsr-3203	379	5	professionals	professional	NOUN
fsr-3203	379	6	,	,	PUNCT
fsr-3203	379	7	57	57	NUM
fsr-3203	379	8	,	,	PUNCT
fsr-3203	379	9	54–63	54–63	NUM
fsr-3203	379	10	.	.	PUNCT
fsr-3203	379	11	mittra	mittra	PROPN
fsr-3203	379	12	,	,	PUNCT
fsr-3203	379	13	s.	s.	PROPN
fsr-3203	379	14	(	(	PUNCT
fsr-3203	379	15	1995	1995	NUM
fsr-3203	379	16	)	)	PUNCT
fsr-3203	379	17	.	.	PUNCT
fsr-3203	380	1	practicing	practice	VERB
fsr-3203	380	2	financial	financial	ADJ
fsr-3203	380	3	planning	planning	NOUN
fsr-3203	380	4	:	:	PUNCT
fsr-3203	380	5	a	a	DET
fsr-3203	380	6	complete	complete	ADJ
fsr-3203	380	7	guide	guide	NOUN
fsr-3203	380	8	for	for	ADP
fsr-3203	380	9	professionals	professional	NOUN
fsr-3203	380	10	.	.	PUNCT
fsr-3203	381	1	troy	troy	PROPN
fsr-3203	381	2	,	,	PUNCT
fsr-3203	381	3	mi	mi	PROPN
fsr-3203	381	4	:	:	PROPN
fsr-3203	381	5	mittra	mittra	PROPN
fsr-3203	381	6	&	&	CCONJ
fsr-3203	381	7	associates	associates	PROPN
fsr-3203	381	8	.	.	PUNCT
fsr-3203	382	1	mulholland	mulholland	PROPN
fsr-3203	382	2	,	,	PUNCT
fsr-3203	382	3	b.	b.	PROPN
fsr-3203	382	4	s.	s.	PROPN
fsr-3203	382	5	,	,	PUNCT
fsr-3203	382	6	finke	finke	PROPN
fsr-3203	382	7	,	,	PUNCT
fsr-3203	382	8	m.	m.	NOUN
fsr-3203	382	9	s.	s.	PROPN
fsr-3203	382	10	,	,	PUNCT
fsr-3203	382	11	&	&	CCONJ
fsr-3203	382	12	huston	huston	PROPN
fsr-3203	382	13	,	,	PUNCT
fsr-3203	382	14	s.	s.	PROPN
fsr-3203	382	15	(	(	PUNCT
fsr-3203	382	16	2012	2012	NUM
fsr-3203	382	17	)	)	PUNCT
fsr-3203	382	18	.	.	PUNCT
fsr-3203	383	1	understanding	understand	VERB
fsr-3203	383	2	the	the	DET
fsr-3203	383	3	shift	shift	NOUN
fsr-3203	383	4	in	in	ADP
fsr-3203	383	5	demand	demand	NOUN
fsr-3203	383	6	for	for	ADP
fsr-3203	383	7	cash	cash	NOUN
fsr-3203	383	8	value	value	NOUN
fsr-3203	383	9	life	life	NOUN
fsr-3203	383	10	insurance	insurance	NOUN
fsr-3203	383	11	.	.	PUNCT
fsr-3203	384	1	lubbock	lubbock	PROPN
fsr-3203	384	2	,	,	PUNCT
fsr-3203	384	3	tx	tx	PROPN
fsr-3203	384	4	:	:	PUNCT
fsr-3203	384	5	texas	texas	PROPN
fsr-3203	384	6	tech	tech	PROPN
fsr-3203	384	7	university	university	PROPN
fsr-3203	384	8	.	.	PUNCT
fsr-3203	385	1	munnell	munnell	PROPN
fsr-3203	385	2	,	,	PUNCT
fsr-3203	385	3	a.	a.	PROPN
fsr-3203	385	4	h.	h.	PROPN
fsr-3203	385	5	,	,	PUNCT
fsr-3203	385	6	golub	golub	PROPN
fsr-3203	385	7	-	-	PUNCT
fsr-3203	385	8	sass	sass	PROPN
fsr-3203	385	9	,	,	PUNCT
fsr-3203	385	10	f.	f.	PROPN
fsr-3203	385	11	,	,	PUNCT
fsr-3203	385	12	soto	soto	PROPN
fsr-3203	385	13	,	,	PUNCT
fsr-3203	385	14	m.	m.	NOUN
fsr-3203	385	15	,	,	PUNCT
fsr-3203	385	16	&	&	CCONJ
fsr-3203	385	17	webb	webb	PROPN
fsr-3203	385	18	,	,	PUNCT
fsr-3203	385	19	a.	a.	NOUN
fsr-3203	385	20	(	(	PUNCT
fsr-3203	385	21	2008	2008	NUM
fsr-3203	385	22	)	)	PUNCT
fsr-3203	385	23	.	.	PUNCT
fsr-3203	386	1	do	do	AUX
fsr-3203	386	2	households	household	NOUN
fsr-3203	386	3	have	have	VERB
fsr-3203	386	4	a	a	DET
fsr-3203	386	5	good	good	ADJ
fsr-3203	386	6	sense	sense	NOUN
fsr-3203	386	7	of	of	ADP
fsr-3203	386	8	their	their	PRON
fsr-3203	386	9	retirement	retirement	NOUN
fsr-3203	386	10	preparedness	preparedness	NOUN
fsr-3203	386	11	?	?	PUNCT
fsr-3203	387	1	issue	issue	NOUN
fsr-3203	387	2	in	in	ADP
fsr-3203	387	3	brief	brief	ADJ
fsr-3203	387	4	,	,	PUNCT
fsr-3203	387	5	8–11	8–11	PROPN
fsr-3203	387	6	.	.	PUNCT
fsr-3203	388	1	chestnut	chestnut	PROPN
fsr-3203	388	2	hill	hill	PROPN
fsr-3203	388	3	,	,	PUNCT
fsr-3203	388	4	ma	ma	PROPN
fsr-3203	388	5	:	:	PUNCT
fsr-3203	388	6	center	center	NOUN
fsr-3203	388	7	for	for	ADP
fsr-3203	388	8	retirement	retirement	NOUN
fsr-3203	388	9	research	research	NOUN
fsr-3203	388	10	at	at	ADP
fsr-3203	388	11	boston	boston	PROPN
fsr-3203	388	12	college	college	PROPN
fsr-3203	388	13	.	.	PUNCT
fsr-3203	389	1	rubin	rubin	PROPN
fsr-3203	389	2	,	,	PUNCT
fsr-3203	389	3	d.	d.	PROPN
fsr-3203	389	4	b.	b.	PROPN
fsr-3203	389	5	(	(	PUNCT
fsr-3203	389	6	1987	1987	NUM
fsr-3203	389	7	)	)	PUNCT
fsr-3203	389	8	.	.	PUNCT
fsr-3203	390	1	multiple	multiple	ADJ
fsr-3203	390	2	imputation	imputation	NOUN
fsr-3203	390	3	for	for	ADP
fsr-3203	390	4	nonresponse	nonresponse	NOUN
fsr-3203	390	5	in	in	ADP
fsr-3203	390	6	surveys	survey	NOUN
fsr-3203	390	7	.	.	PUNCT
fsr-3203	391	1	new	new	PROPN
fsr-3203	391	2	york	york	PROPN
fsr-3203	391	3	,	,	PUNCT
fsr-3203	391	4	wiley	wiley	PROPN
fsr-3203	391	5	.	.	PUNCT
fsr-3203	392	1	rosnick	rosnick	PROPN
fsr-3203	392	2	,	,	PUNCT
fsr-3203	392	3	d.	d.	PROPN
fsr-3203	392	4	,	,	PUNCT
fsr-3203	392	5	&	&	CCONJ
fsr-3203	392	6	baker	baker	PROPN
fsr-3203	392	7	,	,	PUNCT
fsr-3203	392	8	d.	d.	PROPN
fsr-3203	392	9	(	(	PUNCT
fsr-3203	392	10	2010	2010	NUM
fsr-3203	392	11	)	)	PUNCT
fsr-3203	392	12	.	.	PUNCT
fsr-3203	393	1	the	the	DET
fsr-3203	393	2	impact	impact	NOUN
fsr-3203	393	3	of	of	ADP
fsr-3203	393	4	the	the	DET
fsr-3203	393	5	housing	housing	NOUN
fsr-3203	393	6	crash	crash	NOUN
fsr-3203	393	7	on	on	ADP
fsr-3203	393	8	the	the	DET
fsr-3203	393	9	wealth	wealth	NOUN
fsr-3203	393	10	of	of	ADP
fsr-3203	393	11	the	the	DET
fsr-3203	393	12	baby	baby	NOUN
fsr-3203	393	13	boom	boom	NOUN
fsr-3203	393	14	cohorts	cohort	NOUN
fsr-3203	393	15	.	.	PUNCT
fsr-3203	394	1	journal	journal	NOUN
fsr-3203	394	2	of	of	ADP
fsr-3203	394	3	aging	age	VERB
fsr-3203	394	4	&	&	CCONJ
fsr-3203	394	5	social	social	ADJ
fsr-3203	394	6	policy	policy	NOUN
fsr-3203	394	7	,	,	PUNCT
fsr-3203	394	8	22	22	NUM
fsr-3203	394	9	,	,	PUNCT
fsr-3203	394	10	117–128	117–128	NUM
fsr-3203	394	11	.	.	PUNCT
fsr-3203	395	1	scott	scott	PROPN
fsr-3203	395	2	,	,	PUNCT
fsr-3203	395	3	j.	j.	PROPN
fsr-3203	395	4	k.	k.	PROPN
fsr-3203	395	5	,	,	PUNCT
fsr-3203	395	6	&	&	CCONJ
fsr-3203	395	7	finke	finke	PROPN
fsr-3203	395	8	,	,	PUNCT
fsr-3203	395	9	m.	m.	NOUN
fsr-3203	395	10	j.	j.	PROPN
fsr-3203	395	11	(	(	PUNCT
fsr-3203	395	12	2013	2013	NUM
fsr-3203	395	13	)	)	PUNCT
fsr-3203	395	14	.	.	PUNCT
fsr-3203	396	1	the	the	DET
fsr-3203	396	2	demand	demand	NOUN
fsr-3203	396	3	for	for	ADP
fsr-3203	396	4	disability	disability	NOUN
fsr-3203	396	5	insurance	insurance	NOUN
fsr-3203	396	6	.	.	PUNCT
fsr-3203	397	1	financial	financial	ADJ
fsr-3203	397	2	services	service	NOUN
fsr-3203	397	3	review	review	PROPN
fsr-3203	397	4	,	,	PUNCT
fsr-3203	397	5	22	22	NUM
fsr-3203	397	6	,	,	PUNCT
fsr-3203	397	7	1–12	1–12	NOUN
fsr-3203	397	8	.	.	PUNCT
fsr-3203	398	1	showers	shower	NOUN
fsr-3203	398	2	,	,	PUNCT
fsr-3203	398	3	v.	v.	PROPN
fsr-3203	398	4	e.	e.	PROPN
fsr-3203	398	5	,	,	PUNCT
fsr-3203	398	6	&	&	CCONJ
fsr-3203	398	7	shotick	shotick	PROPN
fsr-3203	398	8	,	,	PUNCT
fsr-3203	398	9	j.	j.	PROPN
fsr-3203	398	10	a.	a.	PROPN
fsr-3203	398	11	(	(	PUNCT
fsr-3203	398	12	1994	1994	NUM
fsr-3203	398	13	)	)	PUNCT
fsr-3203	398	14	.	.	PUNCT
fsr-3203	399	1	the	the	DET
fsr-3203	399	2	effects	effect	NOUN
fsr-3203	399	3	of	of	ADP
fsr-3203	399	4	household	household	NOUN
fsr-3203	399	5	characteristics	characteristic	NOUN
fsr-3203	399	6	on	on	ADP
fsr-3203	399	7	demand	demand	NOUN
fsr-3203	399	8	for	for	ADP
fsr-3203	399	9	insurance	insurance	NOUN
fsr-3203	399	10	:	:	PUNCT
fsr-3203	399	11	a	a	DET
fsr-3203	399	12	tobit	tobit	NOUN
fsr-3203	399	13	analysis	analysis	NOUN
fsr-3203	399	14	.	.	PUNCT
fsr-3203	400	1	journal	journal	NOUN
fsr-3203	400	2	of	of	ADP
fsr-3203	400	3	risk	risk	NOUN
fsr-3203	400	4	and	and	CCONJ
fsr-3203	400	5	insurance	insurance	NOUN
fsr-3203	400	6	,	,	PUNCT
fsr-3203	400	7	61	61	NUM
fsr-3203	400	8	,	,	PUNCT
fsr-3203	400	9	492–502	492–502	NUM
fsr-3203	400	10	.	.	PUNCT
fsr-3203	401	1	thomas	thomas	PROPN
fsr-3203	401	2	,	,	PUNCT
fsr-3203	401	3	t.	t.	PROPN
fsr-3203	401	4	(	(	PUNCT
fsr-3203	401	5	2006	2006	NUM
fsr-3203	401	6	)	)	PUNCT
fsr-3203	401	7	.	.	PUNCT
fsr-3203	402	1	limra	limra	NOUN
fsr-3203	402	2	looks	look	VERB
fsr-3203	402	3	at	at	ADP
fsr-3203	402	4	boomers	boomer	NOUN
fsr-3203	402	5	and	and	CCONJ
fsr-3203	402	6	opportunities	opportunity	NOUN
fsr-3203	402	7	for	for	ADP
fsr-3203	402	8	growth	growth	NOUN
fsr-3203	402	9	.	.	PUNCT
fsr-3203	403	1	national	national	ADJ
fsr-3203	403	2	underwriter	underwriter	PROPN
fsr-3203	403	3	/	/	SYM
fsr-3203	403	4	life	life	PROPN
fsr-3203	403	5	&	&	CCONJ
fsr-3203	403	6	health	health	PROPN
fsr-3203	403	7	financial	financial	PROPN
fsr-3203	403	8	services	service	NOUN
fsr-3203	403	9	,	,	PUNCT
fsr-3203	403	10	110	110	NUM
fsr-3203	403	11	,	,	PUNCT
fsr-3203	403	12	7–41	7–41	PROPN
fsr-3203	403	13	.	.	PUNCT
fsr-3203	403	14	trese	trese	PROPN
fsr-3203	403	15	,	,	PUNCT
fsr-3203	403	16	h.	h.	PROPN
fsr-3203	403	17	(	(	PUNCT
fsr-3203	403	18	2010	2010	NUM
fsr-3203	403	19	)	)	PUNCT
fsr-3203	403	20	.	.	PUNCT
fsr-3203	404	1	boomers	boomer	NOUN
fsr-3203	404	2	in	in	ADP
fsr-3203	404	3	crisis	crisis	NOUN
fsr-3203	404	4	.	.	PUNCT
fsr-3203	405	1	agent	agent	NOUN
fsr-3203	405	2	’s	’s	PART
fsr-3203	405	3	sales	sale	NOUN
fsr-3203	405	4	journal	journal	NOUN
fsr-3203	405	5	,	,	PUNCT
fsr-3203	405	6	february	february	PROPN
fsr-3203	405	7	2010	2010	NUM
fsr-3203	405	8	,	,	PUNCT
fsr-3203	405	9	24–26	24–26	NUM
fsr-3203	405	10	.	.	PUNCT
fsr-3203	406	1	zietz	zietz	NOUN
fsr-3203	406	2	,	,	PUNCT
fsr-3203	406	3	e.	e.	PROPN
fsr-3203	406	4	(	(	PUNCT
fsr-3203	406	5	2003	2003	NUM
fsr-3203	406	6	)	)	PUNCT
fsr-3203	406	7	.	.	PUNCT
fsr-3203	407	1	an	an	DET
fsr-3203	407	2	examination	examination	NOUN
fsr-3203	407	3	of	of	ADP
fsr-3203	407	4	the	the	DET
fsr-3203	407	5	demand	demand	NOUN
fsr-3203	407	6	for	for	ADP
fsr-3203	407	7	life	life	NOUN
fsr-3203	407	8	insurance	insurance	NOUN
fsr-3203	407	9	.	.	PUNCT
fsr-3203	408	1	risk	risk	NOUN
fsr-3203	408	2	management	management	NOUN
fsr-3203	408	3	and	and	CCONJ
fsr-3203	408	4	insurance	insurance	NOUN
fsr-3203	408	5	review	review	NOUN
fsr-3203	408	6	,	,	PUNCT
fsr-3203	408	7	6(2	6(2	NUM
fsr-3203	408	8	)	)	PUNCT
fsr-3203	408	9	,	,	PUNCT
fsr-3203	409	1	159–191	159–191	NUM
fsr-3203	409	2	.	.	PUNCT
fsr-3203	409	3	304	304	NUM
fsr-3203	409	4	j.k	j.k	PROPN
fsr-3203	409	5	.	.	PROPN
fsr-3203	409	6	scott	scott	PROPN
fsr-3203	409	7	,	,	PUNCT
fsr-3203	409	8	j.	j.	PROPN
fsr-3203	409	9	gilliam	gilliam	PROPN
fsr-3203	409	10	/	/	SYM
fsr-3203	409	11	financial	financial	PROPN
fsr-3203	409	12	services	service	NOUN
fsr-3203	409	13	review	review	VERB
fsr-3203	409	14	23	23	NUM
fsr-3203	409	15	(	(	PUNCT
fsr-3203	409	16	2014	2014	NUM
fsr-3203	409	17	)	)	PUNCT
fsr-3203	409	18	287–304	287–304	NUM