id	sid	tid	token	lemma	pos
fsr-3412	1	1	the	the	DET
fsr-3412	1	2	decrease	decrease	NOUN
fsr-3412	1	3	in	in	ADP
fsr-3412	1	4	life	life	NOUN
fsr-3412	1	5	insurance	insurance	NOUN
fsr-3412	1	6	ownership	ownership	NOUN
fsr-3412	1	7	:	:	PUNCT
fsr-3412	1	8	implications	implication	NOUN
fsr-3412	1	9	for	for	ADP
fsr-3412	1	10	financial	financial	ADJ
fsr-3412	1	11	planning	planning	NOUN
fsr-3412	1	12	kyoung	kyoung	PROPN
fsr-3412	1	13	tae	tae	PROPN
fsr-3412	1	14	kima	kima	PROPN
fsr-3412	1	15	,	,	PUNCT
fsr-3412	1	16	travis	travis	PROPN
fsr-3412	1	17	p.	p.	PROPN
fsr-3412	1	18	mountainb	mountainb	PROPN
fsr-3412	1	19	,	,	PUNCT
fsr-3412	1	20	sherman	sherman	PROPN
fsr-3412	1	21	d.	d.	PROPN
fsr-3412	1	22	hannac	hannac	PROPN
fsr-3412	1	23	,	,	PUNCT
fsr-3412	1	24	*	*	PRON
fsr-3412	1	25	,	,	PUNCT
fsr-3412	1	26	namhoon	namhoon	PROPN
fsr-3412	1	27	kimd	kimd	PROPN
fsr-3412	1	28	adepartment	adepartment	PROPN
fsr-3412	1	29	of	of	ADP
fsr-3412	1	30	consumer	consumer	NOUN
fsr-3412	1	31	sciences	science	NOUN
fsr-3412	1	32	,	,	PUNCT
fsr-3412	1	33	312	312	NUM
fsr-3412	1	34	adams	adams	PROPN
fsr-3412	1	35	hall	hall	PROPN
fsr-3412	1	36	,	,	PUNCT
fsr-3412	1	37	box	box	PROPN
fsr-3412	1	38	870158	870158	NUM
fsr-3412	1	39	,	,	PUNCT
fsr-3412	1	40	university	university	NOUN
fsr-3412	1	41	of	of	ADP
fsr-3412	1	42	alabama	alabama	PROPN
fsr-3412	1	43	,	,	PUNCT
fsr-3412	1	44	tuscaloosa	tuscaloosa	PROPN
fsr-3412	1	45	,	,	PUNCT
fsr-3412	1	46	al	al	PROPN
fsr-3412	1	47	35487	35487	NUM
fsr-3412	1	48	,	,	PUNCT
fsr-3412	1	49	usa	usa	PROPN
fsr-3412	1	50	bdepartment	bdepartment	NOUN
fsr-3412	1	51	of	of	ADP
fsr-3412	1	52	agricultural	agricultural	ADJ
fsr-3412	1	53	and	and	CCONJ
fsr-3412	1	54	applied	applied	ADJ
fsr-3412	1	55	economics	economic	NOUN
fsr-3412	1	56	,	,	PUNCT
fsr-3412	1	57	virginia	virginia	PROPN
fsr-3412	1	58	tech	tech	PROPN
fsr-3412	1	59	university	university	NOUN
fsr-3412	1	60	,	,	PUNCT
fsr-3412	1	61	250	250	NUM
fsr-3412	1	62	drillfield	drillfield	NOUN
fsr-3412	1	63	drive	drive	NOUN
fsr-3412	1	64	,	,	PUNCT
fsr-3412	1	65	blacksburg	blacksburg	PROPN
fsr-3412	1	66	,	,	PUNCT
fsr-3412	1	67	va	va	PROPN
fsr-3412	1	68	24061	24061	NUM
fsr-3412	1	69	,	,	PUNCT
fsr-3412	1	70	usa	usa	PROPN
fsr-3412	1	71	cdepartment	cdepartment	PROPN
fsr-3412	1	72	of	of	ADP
fsr-3412	1	73	human	human	PROPN
fsr-3412	1	74	sciences	sciences	PROPN
fsr-3412	1	75	,	,	PUNCT
fsr-3412	1	76	ohio	ohio	PROPN
fsr-3412	1	77	state	state	PROPN
fsr-3412	1	78	university	university	PROPN
fsr-3412	1	79	,	,	PUNCT
fsr-3412	1	80	1787	1787	NUM
fsr-3412	1	81	neil	neil	PROPN
fsr-3412	1	82	avenue	avenue	PROPN
fsr-3412	1	83	,	,	PUNCT
fsr-3412	1	84	columbus	columbus	PROPN
fsr-3412	1	85	,	,	PUNCT
fsr-3412	1	86	oh	oh	NUM
fsr-3412	1	87	43210	43210	NUM
fsr-3412	1	88	,	,	PUNCT
fsr-3412	1	89	usa	usa	PROPN
fsr-3412	1	90	dkorea	dkorea	PROPN
fsr-3412	1	91	rural	rural	PROPN
fsr-3412	1	92	economic	economic	PROPN
fsr-3412	1	93	institute	institute	NOUN
fsr-3412	1	94	,	,	PUNCT
fsr-3412	1	95	601	601	NUM
fsr-3412	1	96	bitgaram	bitgaram	NOUN
fsr-3412	1	97	-	-	PUNCT
fsr-3412	1	98	ro	ro	NOUN
fsr-3412	1	99	,	,	PUNCT
fsr-3412	1	100	naju	naju	NOUN
fsr-3412	1	101	-	-	NOUN
fsr-3412	1	102	si	si	NOUN
fsr-3412	1	103	.	.	PROPN
fsr-3412	1	104	jeollanam	jeollanam	PROPN
fsr-3412	1	105	-	-	PUNCT
fsr-3412	1	106	do	do	AUX
fsr-3412	1	107	,	,	PUNCT
fsr-3412	1	108	58321	58321	NUM
fsr-3412	1	109	,	,	PUNCT
fsr-3412	1	110	south	south	PROPN
fsr-3412	1	111	korea	korea	PROPN
fsr-3412	1	112	abstract	abstract	PROPN
fsr-3412	1	113	based	base	VERB
fsr-3412	1	114	on	on	ADP
fsr-3412	1	115	our	our	PRON
fsr-3412	1	116	analyses	analysis	NOUN
fsr-3412	1	117	of	of	ADP
fsr-3412	1	118	survey	survey	NOUN
fsr-3412	1	119	of	of	ADP
fsr-3412	1	120	consumer	consumer	NOUN
fsr-3412	1	121	finances	finance	NOUN
fsr-3412	1	122	datasets	dataset	NOUN
fsr-3412	1	123	,	,	PUNCT
fsr-3412	1	124	the	the	DET
fsr-3412	1	125	proportion	proportion	NOUN
fsr-3412	1	126	of	of	ADP
fsr-3412	1	127	households	household	NOUN
fsr-3412	1	128	owning	own	VERB
fsr-3412	1	129	a	a	DET
fsr-3412	1	130	life	life	NOUN
fsr-3412	1	131	insurance	insurance	NOUN
fsr-3412	1	132	policy	policy	NOUN
fsr-3412	1	133	decreased	decrease	VERB
fsr-3412	1	134	from	from	ADP
fsr-3412	1	135	72	72	NUM
fsr-3412	1	136	%	%	NOUN
fsr-3412	1	137	in	in	ADP
fsr-3412	1	138	1992	1992	NUM
fsr-3412	1	139	to	to	ADP
fsr-3412	1	140	60	60	NUM
fsr-3412	1	141	%	%	NOUN
fsr-3412	1	142	in	in	ADP
fsr-3412	1	143	2016	2016	NUM
fsr-3412	1	144	.	.	PUNCT
fsr-3412	2	1	we	we	PRON
fsr-3412	2	2	estimated	estimate	VERB
fsr-3412	2	3	logistic	logistic	ADJ
fsr-3412	2	4	regressions	regression	NOUN
fsr-3412	2	5	on	on	ADP
fsr-3412	2	6	the	the	DET
fsr-3412	2	7	likelihood	likelihood	NOUN
fsr-3412	2	8	of	of	ADP
fsr-3412	2	9	ownership	ownership	NOUN
fsr-3412	2	10	of	of	ADP
fsr-3412	2	11	any	any	DET
fsr-3412	2	12	,	,	PUNCT
fsr-3412	2	13	term	term	NOUN
fsr-3412	2	14	,	,	PUNCT
fsr-3412	2	15	and	and	CCONJ
fsr-3412	2	16	cash	cash	NOUN
fsr-3412	2	17	value	value	NOUN
fsr-3412	2	18	life	life	NOUN
fsr-3412	2	19	insurance	insurance	NOUN
fsr-3412	2	20	.	.	PUNCT
fsr-3412	3	1	we	we	PRON
fsr-3412	3	2	conclude	conclude	VERB
fsr-3412	3	3	that	that	SCONJ
fsr-3412	3	4	changes	change	NOUN
fsr-3412	3	5	in	in	ADP
fsr-3412	3	6	household	household	NOUN
fsr-3412	3	7	characteristics	characteristic	NOUN
fsr-3412	3	8	accounted	account	VERB
fsr-3412	3	9	for	for	ADP
fsr-3412	3	10	the	the	DET
fsr-3412	3	11	decrease	decrease	NOUN
fsr-3412	3	12	in	in	ADP
fsr-3412	3	13	term	term	NOUN
fsr-3412	3	14	life	life	NOUN
fsr-3412	3	15	insurance	insurance	NOUN
fsr-3412	3	16	ownership	ownership	NOUN
fsr-3412	3	17	,	,	PUNCT
fsr-3412	3	18	but	but	CCONJ
fsr-3412	3	19	not	not	PART
fsr-3412	3	20	for	for	ADP
fsr-3412	3	21	the	the	DET
fsr-3412	3	22	decreases	decrease	NOUN
fsr-3412	3	23	in	in	ADP
fsr-3412	3	24	any	any	PRON
fsr-3412	3	25	and	and	CCONJ
fsr-3412	3	26	in	in	ADP
fsr-3412	3	27	cash	cash	NOUN
fsr-3412	3	28	value	value	NOUN
fsr-3412	3	29	life	life	NOUN
fsr-3412	3	30	insurance	insurance	NOUN
fsr-3412	3	31	ownership	ownership	NOUN
fsr-3412	3	32	.	.	PUNCT
fsr-3412	4	1	we	we	PRON
fsr-3412	4	2	also	also	ADV
fsr-3412	4	3	found	find	VERB
fsr-3412	4	4	a	a	DET
fsr-3412	4	5	positive	positive	ADJ
fsr-3412	4	6	association	association	NOUN
fsr-3412	4	7	between	between	ADP
fsr-3412	4	8	use	use	NOUN
fsr-3412	4	9	of	of	ADP
fsr-3412	4	10	a	a	DET
fsr-3412	4	11	financial	financial	ADJ
fsr-3412	4	12	planner	planner	NOUN
fsr-3412	4	13	and	and	CCONJ
fsr-3412	4	14	life	life	NOUN
fsr-3412	4	15	insurance	insurance	NOUN
fsr-3412	4	16	ownership	ownership	NOUN
fsr-3412	4	17	.	.	PUNCT
fsr-3412	5	1	we	we	PRON
fsr-3412	5	2	discuss	discuss	VERB
fsr-3412	5	3	implications	implication	NOUN
fsr-3412	5	4	for	for	ADP
fsr-3412	5	5	financial	financial	ADJ
fsr-3412	5	6	planning	planning	NOUN
fsr-3412	5	7	.	.	PUNCT
fsr-3412	6	1	©	©	PROPN
fsr-3412	6	2	2020	2020	NUM
fsr-3412	6	3	academy	academy	NOUN
fsr-3412	6	4	of	of	ADP
fsr-3412	6	5	financial	financial	ADJ
fsr-3412	6	6	services	service	NOUN
fsr-3412	6	7	.	.	PUNCT
fsr-3412	7	1	all	all	DET
fsr-3412	7	2	rights	right	NOUN
fsr-3412	7	3	reserved	reserve	VERB
fsr-3412	7	4	.	.	PUNCT
fsr-3412	8	1	jel	jel	PROPN
fsr-3412	8	2	classification	classification	NOUN
fsr-3412	8	3	:	:	PUNCT
fsr-3412	8	4	d12	d12	NUM
fsr-3412	8	5	;	;	PUNCT
fsr-3412	8	6	d14	d14	NOUN
fsr-3412	8	7	;	;	PUNCT
fsr-3412	8	8	g22	g22	ADJ
fsr-3412	8	9	keywords	keyword	NOUN
fsr-3412	8	10	:	:	PUNCT
fsr-3412	8	11	life	life	NOUN
fsr-3412	8	12	insurance	insurance	NOUN
fsr-3412	8	13	;	;	PUNCT
fsr-3412	8	14	declining	decline	VERB
fsr-3412	8	15	insurance	insurance	NOUN
fsr-3412	8	16	demand	demand	NOUN
fsr-3412	8	17	;	;	PUNCT
fsr-3412	8	18	survey	survey	NOUN
fsr-3412	8	19	of	of	ADP
fsr-3412	8	20	consumer	consumer	NOUN
fsr-3412	8	21	finances	finance	NOUN
fsr-3412	8	22	1	1	NUM
fsr-3412	8	23	.	.	PUNCT
fsr-3412	9	1	introduction	introduction	NOUN
fsr-3412	9	2	life	life	NOUN
fsr-3412	9	3	insurance	insurance	NOUN
fsr-3412	9	4	is	be	AUX
fsr-3412	9	5	an	an	DET
fsr-3412	9	6	important	important	ADJ
fsr-3412	9	7	component	component	NOUN
fsr-3412	9	8	of	of	ADP
fsr-3412	9	9	risk	risk	NOUN
fsr-3412	9	10	management	management	NOUN
fsr-3412	9	11	and	and	CCONJ
fsr-3412	9	12	insurance	insurance	NOUN
fsr-3412	9	13	planning	planning	NOUN
fsr-3412	9	14	,	,	PUNCT
fsr-3412	9	15	and	and	CCONJ
fsr-3412	9	16	is	be	AUX
fsr-3412	9	17	also	also	ADV
fsr-3412	9	18	important	important	ADJ
fsr-3412	9	19	in	in	ADP
fsr-3412	9	20	other	other	ADJ
fsr-3412	9	21	financial	financial	ADJ
fsr-3412	9	22	planning	planning	NOUN
fsr-3412	9	23	topics	topic	NOUN
fsr-3412	9	24	,	,	PUNCT
fsr-3412	9	25	including	include	VERB
fsr-3412	9	26	employee	employee	NOUN
fsr-3412	9	27	benefits	benefit	NOUN
fsr-3412	9	28	,	,	PUNCT
fsr-3412	9	29	income	income	NOUN
fsr-3412	9	30	tax	tax	NOUN
fsr-3412	9	31	planning	planning	NOUN
fsr-3412	9	32	,	,	PUNCT
fsr-3412	9	33	and	and	CCONJ
fsr-3412	9	34	estate	estate	NOUN
fsr-3412	9	35	planning	planning	NOUN
fsr-3412	9	36	.	.	PUNCT
fsr-3412	10	1	“	"	PUNCT
fsr-3412	10	2	as	as	ADV
fsr-3412	10	3	late	late	ADV
fsr-3412	10	4	as	as	ADP
fsr-3412	10	5	1960	1960	NUM
fsr-3412	10	6	,	,	PUNCT
fsr-3412	10	7	life	life	NOUN
fsr-3412	10	8	insurance	insurance	NOUN
fsr-3412	10	9	was	be	AUX
fsr-3412	10	10	the	the	DET
fsr-3412	10	11	*	*	PUNCT
fsr-3412	10	12	corresponding	correspond	VERB
fsr-3412	10	13	author	author	NOUN
fsr-3412	10	14	.	.	PUNCT
fsr-3412	11	1	tel	tel	PROPN
fsr-3412	11	2	.	.	PUNCT
fsr-3412	11	3	:	:	PUNCT
fsr-3412	11	4	�	�	PROPN
fsr-3412	11	5	1	1	NUM
fsr-3412	11	6	-	-	SYM
fsr-3412	11	7	614	614	NUM
fsr-3412	11	8	-	-	PUNCT
fsr-3412	11	9	292	292	NUM
fsr-3412	11	10	-	-	PUNCT
fsr-3412	11	11	4584	4584	NUM
fsr-3412	11	12	;	;	PUNCT
fsr-3412	11	13	fax	fax	NOUN
fsr-3412	11	14	:	:	PUNCT
fsr-3412	11	15	�	�	PROPN
fsr-3412	11	16	1	1	NUM
fsr-3412	11	17	-	-	SYM
fsr-3412	11	18	614	614	NUM
fsr-3412	11	19	-	-	PUNCT
fsr-3412	11	20	292	292	NUM
fsr-3412	11	21	-	-	NUM
fsr-3412	11	22	4339	4339	NUM
fsr-3412	11	23	.	.	PUNCT
fsr-3412	12	1	e	e	X
fsr-3412	12	2	-	-	NOUN
fsr-3412	12	3	mail	mail	NOUN
fsr-3412	12	4	address	address	NOUN
fsr-3412	12	5	:	:	PUNCT
fsr-3412	12	6	hanna.1@osu.edu	hanna.1@osu.edu	PROPN
fsr-3412	12	7	(	(	PUNCT
fsr-3412	12	8	s.d	s.d	PROPN
fsr-3412	12	9	.	.	PROPN
fsr-3412	12	10	hanna	hanna	PROPN
fsr-3412	12	11	)	)	PUNCT
fsr-3412	12	12	financial	financial	ADJ
fsr-3412	12	13	services	service	NOUN
fsr-3412	12	14	review	review	VERB
fsr-3412	12	15	28	28	NUM
fsr-3412	12	16	(	(	PUNCT
fsr-3412	12	17	2020	2020	NUM
fsr-3412	12	18	)	)	PUNCT
fsr-3412	12	19	1	1	NUM
fsr-3412	12	20	-	-	SYM
fsr-3412	12	21	16	16	NUM
fsr-3412	12	22	1057	1057	NUM
fsr-3412	12	23	-	-	SYM
fsr-3412	12	24	0810/20/$	0810/20/$	NUM
fsr-3412	12	25	–	–	PUNCT
fsr-3412	12	26	see	see	VERB
fsr-3412	12	27	front	front	ADJ
fsr-3412	12	28	matter	matter	NOUN
fsr-3412	12	29	©	©	PROPN
fsr-3412	12	30	2020	2020	NUM
fsr-3412	12	31	academy	academy	NOUN
fsr-3412	12	32	of	of	ADP
fsr-3412	12	33	financial	financial	ADJ
fsr-3412	12	34	services	service	NOUN
fsr-3412	12	35	.	.	PUNCT
fsr-3412	13	1	all	all	DET
fsr-3412	13	2	rights	right	NOUN
fsr-3412	13	3	reserved	reserve	VERB
fsr-3412	13	4	.	.	PUNCT
fsr-3412	14	1	substance	substance	NOUN
fsr-3412	14	2	of	of	ADP
fsr-3412	14	3	financial	financial	ADJ
fsr-3412	14	4	planning	planning	NOUN
fsr-3412	14	5	.	.	PUNCT
fsr-3412	14	6	.	.	PUNCT
fsr-3412	14	7	.	.	PUNCT
fsr-3412	14	8	”	"	PUNCT
fsr-3412	15	1	(	(	PUNCT
fsr-3412	15	2	brandon	brandon	PROPN
fsr-3412	15	3	and	and	CCONJ
fsr-3412	15	4	welch	welch	PROPN
fsr-3412	15	5	,	,	PUNCT
fsr-3412	15	6	2009	2009	NUM
fsr-3412	15	7	,	,	PUNCT
fsr-3412	15	8	p.	p.	NOUN
fsr-3412	15	9	2	2	NUM
fsr-3412	15	10	)	)	PUNCT
fsr-3412	15	11	.	.	PUNCT
fsr-3412	16	1	however	however	ADV
fsr-3412	16	2	,	,	PUNCT
fsr-3412	16	3	the	the	DET
fsr-3412	16	4	importance	importance	NOUN
fsr-3412	16	5	of	of	ADP
fsr-3412	16	6	life	life	NOUN
fsr-3412	16	7	insurance	insurance	NOUN
fsr-3412	16	8	seems	seem	VERB
fsr-3412	16	9	to	to	PART
fsr-3412	16	10	be	be	AUX
fsr-3412	16	11	decreasing	decrease	VERB
fsr-3412	16	12	in	in	ADP
fsr-3412	16	13	terms	term	NOUN
fsr-3412	16	14	of	of	ADP
fsr-3412	16	15	ownership	ownership	NOUN
fsr-3412	16	16	rates	rate	NOUN
fsr-3412	16	17	,	,	PUNCT
fsr-3412	16	18	and	and	CCONJ
fsr-3412	16	19	the	the	DET
fsr-3412	16	20	relative	relative	ADJ
fsr-3412	16	21	number	number	NOUN
fsr-3412	16	22	of	of	ADP
fsr-3412	16	23	life	life	NOUN
fsr-3412	16	24	insurance	insurance	NOUN
fsr-3412	16	25	agents	agent	NOUN
fsr-3412	16	26	(	(	PUNCT
fsr-3412	16	27	scism	scism	NOUN
fsr-3412	16	28	,	,	PUNCT
fsr-3412	16	29	2016	2016	NUM
fsr-3412	16	30	)	)	PUNCT
fsr-3412	16	31	.	.	PUNCT
fsr-3412	17	1	also	also	ADV
fsr-3412	17	2	,	,	PUNCT
fsr-3412	17	3	the	the	DET
fsr-3412	17	4	certified	certify	VERB
fsr-3412	17	5	financial	financial	ADJ
fsr-3412	17	6	planner	planner	NOUN
fsr-3412	17	7	board	board	NOUN
fsr-3412	17	8	(	(	PUNCT
fsr-3412	17	9	2015	2015	NUM
fsr-3412	17	10	)	)	PUNCT
fsr-3412	17	11	list	list	NOUN
fsr-3412	17	12	of	of	ADP
fsr-3412	17	13	principal	principal	ADJ
fsr-3412	17	14	knowledge	knowledge	NOUN
fsr-3412	17	15	topics	topic	NOUN
fsr-3412	17	16	weight	weight	NOUN
fsr-3412	17	17	for	for	ADP
fsr-3412	17	18	risk	risk	NOUN
fsr-3412	17	19	management	management	NOUN
fsr-3412	17	20	and	and	CCONJ
fsr-3412	17	21	insurance	insurance	NOUN
fsr-3412	17	22	for	for	ADP
fsr-3412	17	23	the	the	DET
fsr-3412	17	24	cfp	cfp	PROPN
fsr-3412	17	25	exam	exam	NOUN
fsr-3412	17	26	,	,	PUNCT
fsr-3412	17	27	has	have	AUX
fsr-3412	17	28	decreased	decrease	VERB
fsr-3412	17	29	from	from	ADP
fsr-3412	17	30	14	14	NUM
fsr-3412	17	31	%	%	NOUN
fsr-3412	17	32	(	(	PUNCT
fsr-3412	17	33	hanna	hanna	PROPN
fsr-3412	17	34	,	,	PUNCT
fsr-3412	17	35	et	et	PROPN
fsr-3412	17	36	al	al	PROPN
fsr-3412	17	37	.	.	PROPN
fsr-3412	17	38	,	,	PUNCT
fsr-3412	17	39	2011	2011	NUM
fsr-3412	17	40	)	)	PUNCT
fsr-3412	17	41	to	to	ADP
fsr-3412	17	42	12	12	NUM
fsr-3412	17	43	%	%	NOUN
fsr-3412	17	44	(	(	PUNCT
fsr-3412	17	45	certified	certify	VERB
fsr-3412	17	46	financial	financial	ADJ
fsr-3412	17	47	planner	planner	NOUN
fsr-3412	17	48	board	board	NOUN
fsr-3412	17	49	,	,	PUNCT
fsr-3412	17	50	2015	2015	NUM
fsr-3412	17	51	)	)	PUNCT
fsr-3412	17	52	.	.	PUNCT
fsr-3412	18	1	a	a	DET
fsr-3412	18	2	wall	wall	PROPN
fsr-3412	18	3	street	street	PROPN
fsr-3412	18	4	journal	journal	PROPN
fsr-3412	18	5	article	article	NOUN
fsr-3412	18	6	(	(	PUNCT
fsr-3412	18	7	scism	scism	NOUN
fsr-3412	18	8	,	,	PUNCT
fsr-3412	18	9	2016	2016	NUM
fsr-3412	18	10	)	)	PUNCT
fsr-3412	18	11	suggested	suggest	VERB
fsr-3412	18	12	that	that	SCONJ
fsr-3412	18	13	because	because	SCONJ
fsr-3412	18	14	of	of	ADP
fsr-3412	18	15	consolidation	consolidation	NOUN
fsr-3412	18	16	and	and	CCONJ
fsr-3412	18	17	decreasing	decrease	VERB
fsr-3412	18	18	ownership	ownership	NOUN
fsr-3412	18	19	rates	rate	NOUN
fsr-3412	18	20	,	,	PUNCT
fsr-3412	18	21	the	the	DET
fsr-3412	18	22	life	life	NOUN
fsr-3412	18	23	insurance	insurance	NOUN
fsr-3412	18	24	agent	agent	NOUN
fsr-3412	18	25	may	may	AUX
fsr-3412	18	26	be	be	AUX
fsr-3412	18	27	going	go	VERB
fsr-3412	18	28	the	the	DET
fsr-3412	18	29	way	way	NOUN
fsr-3412	18	30	of	of	ADP
fsr-3412	18	31	the	the	DET
fsr-3412	18	32	dinosaur	dinosaur	NOUN
fsr-3412	18	33	.	.	PUNCT
fsr-3412	19	1	cordell	cordell	PROPN
fsr-3412	19	2	,	,	PUNCT
fsr-3412	19	3	finke	finke	PROPN
fsr-3412	19	4	,	,	PUNCT
fsr-3412	19	5	and	and	CCONJ
fsr-3412	19	6	lemoine	lemoine	PROPN
fsr-3412	19	7	(	(	PUNCT
fsr-3412	19	8	2007	2007	NUM
fsr-3412	19	9	)	)	PUNCT
fsr-3412	19	10	noted	note	VERB
fsr-3412	19	11	the	the	DET
fsr-3412	19	12	long	long	ADJ
fsr-3412	19	13	-	-	PUNCT
fsr-3412	19	14	term	term	NOUN
fsr-3412	19	15	trend	trend	NOUN
fsr-3412	19	16	of	of	ADP
fsr-3412	19	17	decreasing	decrease	VERB
fsr-3412	19	18	ownership	ownership	NOUN
fsr-3412	19	19	of	of	ADP
fsr-3412	19	20	cash	cash	NOUN
fsr-3412	19	21	value	value	NOUN
fsr-3412	19	22	life	life	NOUN
fsr-3412	19	23	insurance	insurance	NOUN
fsr-3412	19	24	between	between	ADP
fsr-3412	19	25	1995	1995	NUM
fsr-3412	19	26	and	and	CCONJ
fsr-3412	19	27	2004	2004	NUM
fsr-3412	19	28	,	,	PUNCT
fsr-3412	19	29	and	and	CCONJ
fsr-3412	19	30	retzloff	retzloff	NOUN
fsr-3412	19	31	(	(	PUNCT
fsr-3412	19	32	2010	2010	NUM
fsr-3412	19	33	)	)	PUNCT
fsr-3412	19	34	reported	report	VERB
fsr-3412	19	35	that	that	SCONJ
fsr-3412	19	36	life	life	NOUN
fsr-3412	19	37	insurance	insurance	NOUN
fsr-3412	19	38	ownership	ownership	NOUN
fsr-3412	19	39	in	in	ADP
fsr-3412	19	40	the	the	DET
fsr-3412	19	41	united	united	PROPN
fsr-3412	19	42	states	states	PROPN
fsr-3412	19	43	was	be	AUX
fsr-3412	19	44	at	at	ADP
fsr-3412	19	45	a	a	DET
fsr-3412	19	46	50	50	NUM
fsr-3412	19	47	year	year	NOUN
fsr-3412	19	48	low	low	ADJ
fsr-3412	19	49	.	.	PUNCT
fsr-3412	20	1	however	however	ADV
fsr-3412	20	2	,	,	PUNCT
fsr-3412	20	3	life	life	NOUN
fsr-3412	20	4	insurance	insurance	NOUN
fsr-3412	20	5	is	be	AUX
fsr-3412	20	6	still	still	ADV
fsr-3412	20	7	a	a	DET
fsr-3412	20	8	vital	vital	ADJ
fsr-3412	20	9	safety	safety	NOUN
fsr-3412	20	10	net	net	NOUN
fsr-3412	20	11	for	for	ADP
fsr-3412	20	12	u.s	u.s	PROPN
fsr-3412	20	13	.	.	PROPN
fsr-3412	20	14	households	household	NOUN
fsr-3412	20	15	.	.	PUNCT
fsr-3412	21	1	the	the	DET
fsr-3412	21	2	premature	premature	ADJ
fsr-3412	21	3	death	death	NOUN
fsr-3412	21	4	of	of	ADP
fsr-3412	21	5	a	a	DET
fsr-3412	21	6	wage	wage	NOUN
fsr-3412	21	7	-	-	PUNCT
fsr-3412	21	8	earner	earner	NOUN
fsr-3412	21	9	is	be	AUX
fsr-3412	21	10	one	one	NUM
fsr-3412	21	11	of	of	ADP
fsr-3412	21	12	the	the	DET
fsr-3412	21	13	more	more	ADV
fsr-3412	21	14	serious	serious	ADJ
fsr-3412	21	15	financial	financial	ADJ
fsr-3412	21	16	risks	risk	NOUN
fsr-3412	21	17	a	a	DET
fsr-3412	21	18	household	household	NOUN
fsr-3412	21	19	faces	face	VERB
fsr-3412	21	20	.	.	PUNCT
fsr-3412	22	1	income	income	NOUN
fsr-3412	22	2	replacement	replacement	NOUN
fsr-3412	22	3	and	and	CCONJ
fsr-3412	22	4	burial	burial	NOUN
fsr-3412	22	5	expenses	expense	NOUN
fsr-3412	22	6	are	be	AUX
fsr-3412	22	7	the	the	DET
fsr-3412	22	8	top	top	ADJ
fsr-3412	22	9	two	two	NUM
fsr-3412	22	10	reasons	reason	NOUN
fsr-3412	22	11	households	household	NOUN
fsr-3412	22	12	own	own	VERB
fsr-3412	22	13	life	life	NOUN
fsr-3412	22	14	insurance	insurance	NOUN
fsr-3412	22	15	(	(	PUNCT
fsr-3412	22	16	durham	durham	PROPN
fsr-3412	22	17	,	,	PUNCT
fsr-3412	22	18	2015	2015	NUM
fsr-3412	22	19	)	)	PUNCT
fsr-3412	22	20	.	.	PUNCT
fsr-3412	23	1	the	the	DET
fsr-3412	23	2	main	main	ADJ
fsr-3412	23	3	purpose	purpose	NOUN
fsr-3412	23	4	of	of	ADP
fsr-3412	23	5	our	our	PRON
fsr-3412	23	6	research	research	NOUN
fsr-3412	23	7	was	be	AUX
fsr-3412	23	8	to	to	PART
fsr-3412	23	9	ascertain	ascertain	VERB
fsr-3412	23	10	factors	factor	NOUN
fsr-3412	23	11	related	relate	VERB
fsr-3412	23	12	to	to	ADP
fsr-3412	23	13	the	the	DET
fsr-3412	23	14	decline	decline	NOUN
fsr-3412	23	15	of	of	ADP
fsr-3412	23	16	life	life	NOUN
fsr-3412	23	17	insurance	insurance	NOUN
fsr-3412	23	18	ownership	ownership	NOUN
fsr-3412	23	19	rates	rate	NOUN
fsr-3412	23	20	of	of	ADP
fsr-3412	23	21	u.s	u.s	PROPN
fsr-3412	23	22	.	.	PROPN
fsr-3412	23	23	households	household	NOUN
fsr-3412	23	24	.	.	PUNCT
fsr-3412	24	1	we	we	PRON
fsr-3412	24	2	analyzed	analyze	VERB
fsr-3412	24	3	a	a	DET
fsr-3412	24	4	combination	combination	NOUN
fsr-3412	24	5	of	of	ADP
fsr-3412	24	6	1992	1992	NUM
fsr-3412	24	7	to	to	ADP
fsr-3412	24	8	2016	2016	NUM
fsr-3412	24	9	survey	survey	NOUN
fsr-3412	24	10	of	of	ADP
fsr-3412	24	11	consumer	consumer	NOUN
fsr-3412	24	12	finances	finance	NOUN
fsr-3412	24	13	(	(	PUNCT
fsr-3412	24	14	scf	scf	PROPN
fsr-3412	24	15	)	)	PUNCT
fsr-3412	24	16	datasets	dataset	NOUN
fsr-3412	24	17	,	,	PUNCT
fsr-3412	24	18	and	and	CCONJ
fsr-3412	24	19	found	find	VERB
fsr-3412	24	20	that	that	SCONJ
fsr-3412	24	21	ownership	ownership	NOUN
fsr-3412	24	22	of	of	ADP
fsr-3412	24	23	life	life	NOUN
fsr-3412	24	24	insurance	insurance	NOUN
fsr-3412	24	25	decreased	decrease	VERB
fsr-3412	24	26	until	until	ADP
fsr-3412	24	27	2013	2013	NUM
fsr-3412	24	28	and	and	CCONJ
fsr-3412	24	29	then	then	ADV
fsr-3412	24	30	stayed	stay	VERB
fsr-3412	24	31	about	about	ADV
fsr-3412	24	32	the	the	DET
fsr-3412	24	33	same	same	ADJ
fsr-3412	24	34	in	in	ADP
fsr-3412	24	35	2016	2016	NUM
fsr-3412	24	36	.	.	PUNCT
fsr-3412	25	1	we	we	PRON
fsr-3412	25	2	conducted	conduct	VERB
fsr-3412	25	3	logistic	logistic	ADJ
fsr-3412	25	4	regression	regression	NOUN
fsr-3412	25	5	analyses	analysis	NOUN
fsr-3412	25	6	of	of	ADP
fsr-3412	25	7	the	the	DET
fsr-3412	25	8	pooled	pool	VERB
fsr-3412	25	9	dataset	dataset	NOUN
fsr-3412	25	10	to	to	PART
fsr-3412	25	11	analyze	analyze	VERB
fsr-3412	25	12	the	the	DET
fsr-3412	25	13	extent	extent	NOUN
fsr-3412	25	14	to	to	PART
fsr-3412	25	15	which	which	PRON
fsr-3412	25	16	changes	change	NOUN
fsr-3412	25	17	in	in	ADP
fsr-3412	25	18	the	the	DET
fsr-3412	25	19	composition	composition	NOUN
fsr-3412	25	20	of	of	ADP
fsr-3412	25	21	u.s	u.s	PROPN
fsr-3412	25	22	.	.	PROPN
fsr-3412	25	23	households	household	NOUN
fsr-3412	25	24	might	might	AUX
fsr-3412	25	25	have	have	AUX
fsr-3412	25	26	contributed	contribute	VERB
fsr-3412	25	27	to	to	ADP
fsr-3412	25	28	the	the	DET
fsr-3412	25	29	decreases	decrease	NOUN
fsr-3412	25	30	in	in	ADP
fsr-3412	25	31	any	any	DET
fsr-3412	25	32	,	,	PUNCT
fsr-3412	25	33	term	term	NOUN
fsr-3412	25	34	,	,	PUNCT
fsr-3412	25	35	and	and	CCONJ
fsr-3412	25	36	cash	cash	NOUN
fsr-3412	25	37	value	value	NOUN
fsr-3412	25	38	life	life	NOUN
fsr-3412	25	39	insurance	insurance	NOUN
fsr-3412	25	40	.	.	PUNCT
fsr-3412	26	1	further	far	ADV
fsr-3412	26	2	,	,	PUNCT
fsr-3412	26	3	we	we	PRON
fsr-3412	26	4	conducted	conduct	VERB
fsr-3412	26	5	additional	additional	ADJ
fsr-3412	26	6	analyses	analysis	NOUN
fsr-3412	26	7	to	to	PART
fsr-3412	26	8	investigate	investigate	VERB
fsr-3412	26	9	the	the	DET
fsr-3412	26	10	role	role	NOUN
fsr-3412	26	11	of	of	ADP
fsr-3412	26	12	financial	financial	ADJ
fsr-3412	26	13	planner	planner	NOUN
fsr-3412	26	14	use	use	NOUN
fsr-3412	26	15	on	on	ADP
fsr-3412	26	16	life	life	NOUN
fsr-3412	26	17	insurance	insurance	NOUN
fsr-3412	26	18	ownership	ownership	NOUN
fsr-3412	26	19	.	.	PUNCT
fsr-3412	27	1	our	our	PRON
fsr-3412	27	2	study	study	NOUN
fsr-3412	27	3	contributes	contribute	VERB
fsr-3412	27	4	to	to	ADP
fsr-3412	27	5	some	some	DET
fsr-3412	27	6	implications	implication	NOUN
fsr-3412	27	7	for	for	ADP
fsr-3412	27	8	financial	financial	ADJ
fsr-3412	27	9	planners	planner	NOUN
fsr-3412	27	10	by	by	ADP
fsr-3412	27	11	providing	provide	VERB
fsr-3412	27	12	insights	insight	NOUN
fsr-3412	27	13	into	into	ADP
fsr-3412	27	14	life	life	NOUN
fsr-3412	27	15	insurance	insurance	NOUN
fsr-3412	27	16	ownership	ownership	NOUN
fsr-3412	27	17	trends	trend	NOUN
fsr-3412	27	18	.	.	PUNCT
fsr-3412	28	1	2	2	X
fsr-3412	28	2	.	.	X
fsr-3412	28	3	literature	literature	NOUN
fsr-3412	28	4	review	review	VERB
fsr-3412	28	5	2.1	2.1	NUM
fsr-3412	28	6	.	.	PUNCT
fsr-3412	29	1	overview	overview	NOUN
fsr-3412	29	2	of	of	ADP
fsr-3412	29	3	life	life	NOUN
fsr-3412	29	4	insurance	insurance	NOUN
fsr-3412	29	5	without	without	ADP
fsr-3412	29	6	life	life	NOUN
fsr-3412	29	7	insurance	insurance	NOUN
fsr-3412	29	8	,	,	PUNCT
fsr-3412	29	9	most	most	ADJ
fsr-3412	29	10	families	family	NOUN
fsr-3412	29	11	would	would	AUX
fsr-3412	29	12	need	need	VERB
fsr-3412	29	13	to	to	PART
fsr-3412	29	14	reduce	reduce	VERB
fsr-3412	29	15	their	their	PRON
fsr-3412	29	16	current	current	ADJ
fsr-3412	29	17	standard	standard	NOUN
fsr-3412	29	18	of	of	ADP
fsr-3412	29	19	living	live	VERB
fsr-3412	29	20	in	in	ADP
fsr-3412	29	21	the	the	DET
fsr-3412	29	22	event	event	NOUN
fsr-3412	29	23	of	of	ADP
fsr-3412	29	24	the	the	DET
fsr-3412	29	25	death	death	NOUN
fsr-3412	29	26	of	of	ADP
fsr-3412	29	27	a	a	DET
fsr-3412	29	28	spouse	spouse	NOUN
fsr-3412	29	29	or	or	CCONJ
fsr-3412	29	30	partner	partner	NOUN
fsr-3412	29	31	(	(	PUNCT
fsr-3412	29	32	auerbach	auerbach	PROPN
fsr-3412	29	33	and	and	CCONJ
fsr-3412	29	34	kotlikoff	kotlikoff	NOUN
fsr-3412	29	35	,	,	PUNCT
fsr-3412	29	36	1991	1991	NUM
fsr-3412	29	37	;	;	PUNCT
fsr-3412	29	38	bernheim	bernheim	NOUN
fsr-3412	29	39	,	,	PUNCT
fsr-3412	29	40	carman	carman	PROPN
fsr-3412	29	41	,	,	PUNCT
fsr-3412	29	42	gokhale	gokhale	NOUN
fsr-3412	29	43	,	,	PUNCT
fsr-3412	29	44	and	and	CCONJ
fsr-3412	29	45	kotlikoff	kotlikoff	NOUN
fsr-3412	29	46	,	,	PUNCT
fsr-3412	29	47	2003	2003	NUM
fsr-3412	29	48	;	;	PUNCT
fsr-3412	29	49	bernheim	bernheim	PROPN
fsr-3412	29	50	,	,	PUNCT
fsr-3412	29	51	forni	forni	PROPN
fsr-3412	29	52	,	,	PUNCT
fsr-3412	29	53	gokhale	gokhale	NOUN
fsr-3412	29	54	,	,	PUNCT
fsr-3412	29	55	and	and	CCONJ
fsr-3412	29	56	kotlikoff	kotlikoff	NOUN
fsr-3412	29	57	,	,	PUNCT
fsr-3412	29	58	2003	2003	NUM
fsr-3412	29	59	)	)	PUNCT
fsr-3412	29	60	.	.	PUNCT
fsr-3412	30	1	cash	cash	NOUN
fsr-3412	30	2	value	value	NOUN
fsr-3412	30	3	and	and	CCONJ
fsr-3412	30	4	term	term	NOUN
fsr-3412	30	5	life	life	NOUN
fsr-3412	30	6	insurance	insurance	NOUN
fsr-3412	30	7	are	be	AUX
fsr-3412	30	8	the	the	DET
fsr-3412	30	9	two	two	NUM
fsr-3412	30	10	main	main	ADJ
fsr-3412	30	11	categories	category	NOUN
fsr-3412	30	12	of	of	ADP
fsr-3412	30	13	life	life	NOUN
fsr-3412	30	14	insurance	insurance	NOUN
fsr-3412	30	15	.	.	PUNCT
fsr-3412	31	1	in	in	ADP
fsr-3412	31	2	addition	addition	NOUN
fsr-3412	31	3	to	to	ADP
fsr-3412	31	4	the	the	DET
fsr-3412	31	5	insurance	insurance	NOUN
fsr-3412	31	6	aspect	aspect	NOUN
fsr-3412	31	7	of	of	ADP
fsr-3412	31	8	a	a	DET
fsr-3412	31	9	cash	cash	NOUN
fsr-3412	31	10	value	value	NOUN
fsr-3412	31	11	life	life	NOUN
fsr-3412	31	12	policy	policy	NOUN
fsr-3412	31	13	,	,	PUNCT
fsr-3412	31	14	it	it	PRON
fsr-3412	31	15	also	also	ADV
fsr-3412	31	16	provides	provide	VERB
fsr-3412	31	17	a	a	DET
fsr-3412	31	18	savings	saving	NOUN
fsr-3412	31	19	component	component	NOUN
fsr-3412	31	20	and	and	CCONJ
fsr-3412	31	21	is	be	AUX
fsr-3412	31	22	intended	intend	VERB
fsr-3412	31	23	to	to	PART
fsr-3412	31	24	last	last	VERB
fsr-3412	31	25	the	the	DET
fsr-3412	31	26	insured	insure	VERB
fsr-3412	31	27	’s	’s	PART
fsr-3412	31	28	“	"	PUNCT
fsr-3412	31	29	whole	whole	ADJ
fsr-3412	31	30	”	"	PUNCT
fsr-3412	31	31	life	life	NOUN
fsr-3412	31	32	.	.	PUNCT
fsr-3412	32	1	term	term	NOUN
fsr-3412	32	2	policies	policy	NOUN
fsr-3412	32	3	are	be	AUX
fsr-3412	32	4	pure	pure	ADJ
fsr-3412	32	5	insurance	insurance	NOUN
fsr-3412	32	6	that	that	PRON
fsr-3412	32	7	are	be	AUX
fsr-3412	32	8	associated	associate	VERB
fsr-3412	32	9	with	with	ADP
fsr-3412	32	10	a	a	DET
fsr-3412	32	11	set	set	ADJ
fsr-3412	32	12	number	number	NOUN
fsr-3412	32	13	of	of	ADP
fsr-3412	32	14	years	year	NOUN
fsr-3412	32	15	ranging	range	VERB
fsr-3412	32	16	from	from	ADP
fsr-3412	32	17	one	one	NUM
fsr-3412	32	18	to	to	ADP
fsr-3412	32	19	40	40	NUM
fsr-3412	32	20	with	with	ADP
fsr-3412	32	21	20	20	NUM
fsr-3412	32	22	years	year	NOUN
fsr-3412	32	23	being	be	AUX
fsr-3412	32	24	a	a	DET
fsr-3412	32	25	common	common	ADJ
fsr-3412	32	26	term	term	NOUN
fsr-3412	32	27	contract	contract	NOUN
fsr-3412	32	28	length	length	NOUN
fsr-3412	32	29	.	.	PUNCT
fsr-3412	33	1	if	if	SCONJ
fsr-3412	33	2	the	the	DET
fsr-3412	33	3	insured	insure	VERB
fsr-3412	33	4	dies	die	VERB
fsr-3412	33	5	during	during	ADP
fsr-3412	33	6	this	this	DET
fsr-3412	33	7	contract	contract	NOUN
fsr-3412	33	8	period	period	NOUN
fsr-3412	33	9	,	,	PUNCT
fsr-3412	33	10	the	the	DET
fsr-3412	33	11	beneficiary	beneficiary	NOUN
fsr-3412	33	12	receives	receive	VERB
fsr-3412	33	13	the	the	DET
fsr-3412	33	14	face	face	NOUN
fsr-3412	33	15	amount	amount	NOUN
fsr-3412	33	16	of	of	ADP
fsr-3412	33	17	the	the	DET
fsr-3412	33	18	policy	policy	NOUN
fsr-3412	33	19	.	.	PUNCT
fsr-3412	34	1	if	if	SCONJ
fsr-3412	34	2	one	one	PRON
fsr-3412	34	3	dies	die	VERB
fsr-3412	34	4	after	after	SCONJ
fsr-3412	34	5	the	the	DET
fsr-3412	34	6	contract	contract	NOUN
fsr-3412	34	7	expires	expire	VERB
fsr-3412	34	8	,	,	PUNCT
fsr-3412	34	9	no	no	DET
fsr-3412	34	10	benefits	benefit	NOUN
fsr-3412	34	11	are	be	AUX
fsr-3412	34	12	paid	pay	VERB
fsr-3412	34	13	to	to	ADP
fsr-3412	34	14	the	the	DET
fsr-3412	34	15	beneficiary	beneficiary	NOUN
fsr-3412	34	16	.	.	PUNCT
fsr-3412	35	1	employer	employer	NOUN
fsr-3412	35	2	-	-	PUNCT
fsr-3412	35	3	provided	provide	VERB
fsr-3412	35	4	group	group	NOUN
fsr-3412	35	5	life	life	NOUN
fsr-3412	35	6	insurance	insurance	NOUN
fsr-3412	35	7	is	be	AUX
fsr-3412	35	8	one	one	NUM
fsr-3412	35	9	of	of	ADP
fsr-3412	35	10	the	the	DET
fsr-3412	35	11	most	most	ADV
fsr-3412	35	12	common	common	ADJ
fsr-3412	35	13	types	type	NOUN
fsr-3412	35	14	of	of	ADP
fsr-3412	35	15	employer	employer	NOUN
fsr-3412	35	16	benefits	benefit	NOUN
fsr-3412	35	17	,	,	PUNCT
fsr-3412	35	18	and	and	CCONJ
fsr-3412	35	19	in	in	ADP
fsr-3412	35	20	2017	2017	NUM
fsr-3412	35	21	,	,	PUNCT
fsr-3412	35	22	60	60	NUM
fsr-3412	35	23	%	%	NOUN
fsr-3412	35	24	of	of	ADP
fsr-3412	35	25	employers	employer	NOUN
fsr-3412	35	26	provided	provide	VERB
fsr-3412	35	27	it	it	PRON
fsr-3412	35	28	,	,	PUNCT
fsr-3412	35	29	with	with	ADP
fsr-3412	35	30	73	73	NUM
fsr-3412	35	31	%	%	NOUN
fsr-3412	35	32	of	of	ADP
fsr-3412	35	33	eligible	eligible	ADJ
fsr-3412	35	34	employees	employee	NOUN
fsr-3412	35	35	participating	participate	VERB
fsr-3412	35	36	in	in	ADP
fsr-3412	35	37	group	group	NOUN
fsr-3412	35	38	life	life	NOUN
fsr-3412	35	39	insurance	insurance	NOUN
fsr-3412	35	40	(	(	PUNCT
fsr-3412	35	41	greenwald	greenwald	PROPN
fsr-3412	35	42	and	and	CCONJ
fsr-3412	35	43	fronstin	fronstin	PROPN
fsr-3412	35	44	,	,	PUNCT
fsr-3412	35	45	2019	2019	NUM
fsr-3412	35	46	)	)	PUNCT
fsr-3412	35	47	.	.	PUNCT
fsr-3412	36	1	2	2	NUM
fsr-3412	36	2	k.	k.	NOUN
fsr-3412	36	3	tae	tae	PROPN
fsr-3412	36	4	kim	kim	PROPN
fsr-3412	36	5	et	et	PROPN
fsr-3412	36	6	al	al	PROPN
fsr-3412	36	7	.	.	PUNCT
fsr-3412	36	8	/	/	SYM
fsr-3412	36	9	financial	financial	ADJ
fsr-3412	36	10	services	service	NOUN
fsr-3412	36	11	review	review	VERB
fsr-3412	36	12	28	28	NUM
fsr-3412	36	13	(	(	PUNCT
fsr-3412	36	14	2020	2020	NUM
fsr-3412	36	15	)	)	PUNCT
fsr-3412	36	16	1	1	NUM
fsr-3412	36	17	-	-	SYM
fsr-3412	36	18	16	16	NUM
fsr-3412	36	19	2.2	2.2	NUM
fsr-3412	36	20	.	.	PUNCT
fsr-3412	37	1	previous	previous	ADJ
fsr-3412	37	2	studies	study	NOUN
fsr-3412	37	3	on	on	ADP
fsr-3412	37	4	life	life	NOUN
fsr-3412	37	5	insurance	insurance	NOUN
fsr-3412	37	6	ownership	ownership	NOUN
fsr-3412	37	7	mulholland	mulholland	NOUN
fsr-3412	37	8	,	,	PUNCT
fsr-3412	37	9	finke	finke	PROPN
fsr-3412	37	10	,	,	PUNCT
fsr-3412	37	11	and	and	CCONJ
fsr-3412	37	12	huston	huston	PROPN
fsr-3412	37	13	(	(	PUNCT
fsr-3412	37	14	2016	2016	NUM
fsr-3412	37	15	)	)	PUNCT
fsr-3412	37	16	examined	examine	VERB
fsr-3412	37	17	the	the	DET
fsr-3412	37	18	declining	decline	VERB
fsr-3412	37	19	trend	trend	NOUN
fsr-3412	37	20	in	in	ADP
fsr-3412	37	21	cash	cash	NOUN
fsr-3412	37	22	value	value	NOUN
fsr-3412	37	23	life	life	NOUN
fsr-3412	37	24	insurance	insurance	NOUN
fsr-3412	37	25	ownership	ownership	NOUN
fsr-3412	37	26	rates	rate	NOUN
fsr-3412	37	27	using	use	VERB
fsr-3412	37	28	the	the	DET
fsr-3412	37	29	1992	1992	NUM
fsr-3412	37	30	to	to	ADP
fsr-3412	37	31	2010	2010	NUM
fsr-3412	37	32	waves	wave	NOUN
fsr-3412	37	33	of	of	ADP
fsr-3412	37	34	the	the	DET
fsr-3412	37	35	scf	scf	PROPN
fsr-3412	37	36	.	.	PUNCT
fsr-3412	38	1	the	the	DET
fsr-3412	38	2	proportion	proportion	NOUN
fsr-3412	38	3	of	of	ADP
fsr-3412	38	4	cash	cash	NOUN
fsr-3412	38	5	value	value	NOUN
fsr-3412	38	6	life	life	NOUN
fsr-3412	38	7	policies	policy	NOUN
fsr-3412	38	8	relative	relative	ADJ
fsr-3412	38	9	to	to	ADP
fsr-3412	38	10	term	term	NOUN
fsr-3412	38	11	life	life	NOUN
fsr-3412	38	12	policies	policy	NOUN
fsr-3412	38	13	dramatically	dramatically	ADV
fsr-3412	38	14	decreased	decrease	VERB
fsr-3412	38	15	over	over	ADP
fsr-3412	38	16	this	this	DET
fsr-3412	38	17	period	period	NOUN
fsr-3412	38	18	.	.	PUNCT
fsr-3412	39	1	they	they	PRON
fsr-3412	39	2	found	find	VERB
fsr-3412	39	3	a	a	DET
fsr-3412	39	4	substitution	substitution	NOUN
fsr-3412	39	5	effect	effect	NOUN
fsr-3412	39	6	,	,	PUNCT
fsr-3412	39	7	as	as	SCONJ
fsr-3412	39	8	those	those	PRON
fsr-3412	39	9	who	who	PRON
fsr-3412	39	10	owned	own	VERB
fsr-3412	39	11	term	term	NOUN
fsr-3412	39	12	life	life	NOUN
fsr-3412	39	13	insurance	insurance	NOUN
fsr-3412	39	14	were	be	AUX
fsr-3412	39	15	less	less	ADV
fsr-3412	39	16	likely	likely	ADJ
fsr-3412	39	17	to	to	PART
fsr-3412	39	18	own	own	VERB
fsr-3412	39	19	cash	cash	NOUN
fsr-3412	39	20	value	value	NOUN
fsr-3412	39	21	life	life	NOUN
fsr-3412	39	22	insurance	insurance	NOUN
fsr-3412	39	23	.	.	PUNCT
fsr-3412	40	1	however	however	ADV
fsr-3412	40	2	,	,	PUNCT
fsr-3412	40	3	frees	free	NOUN
fsr-3412	40	4	and	and	CCONJ
fsr-3412	40	5	sun	sun	NOUN
fsr-3412	40	6	(	(	PUNCT
fsr-3412	40	7	2010	2010	NUM
fsr-3412	40	8	)	)	PUNCT
fsr-3412	40	9	found	find	VERB
fsr-3412	40	10	a	a	DET
fsr-3412	40	11	complementary	complementary	ADJ
fsr-3412	40	12	effect	effect	NOUN
fsr-3412	40	13	,	,	PUNCT
fsr-3412	40	14	as	as	SCONJ
fsr-3412	40	15	those	those	PRON
fsr-3412	40	16	who	who	PRON
fsr-3412	40	17	owned	own	VERB
fsr-3412	40	18	term	term	NOUN
fsr-3412	40	19	life	life	NOUN
fsr-3412	40	20	insurance	insurance	NOUN
fsr-3412	40	21	were	be	AUX
fsr-3412	40	22	more	more	ADV
fsr-3412	40	23	likely	likely	ADJ
fsr-3412	40	24	to	to	PART
fsr-3412	40	25	own	own	VERB
fsr-3412	40	26	cash	cash	NOUN
fsr-3412	40	27	value	value	NOUN
fsr-3412	40	28	life	life	NOUN
fsr-3412	40	29	insurance	insurance	NOUN
fsr-3412	40	30	.	.	PUNCT
fsr-3412	41	1	mulholland	mulholland	NOUN
fsr-3412	41	2	et	et	PROPN
fsr-3412	41	3	al	al	PROPN
fsr-3412	41	4	.	.	PUNCT
fsr-3412	42	1	(	(	PUNCT
fsr-3412	42	2	2016	2016	NUM
fsr-3412	42	3	)	)	PUNCT
fsr-3412	42	4	and	and	CCONJ
fsr-3412	42	5	glazer	glazer	PROPN
fsr-3412	42	6	(	(	PUNCT
fsr-3412	42	7	2007	2007	NUM
fsr-3412	42	8	)	)	PUNCT
fsr-3412	42	9	noted	note	VERB
fsr-3412	42	10	that	that	SCONJ
fsr-3412	42	11	in	in	ADP
fsr-3412	42	12	addition	addition	NOUN
fsr-3412	42	13	to	to	ADP
fsr-3412	42	14	the	the	DET
fsr-3412	42	15	income	income	NOUN
fsr-3412	42	16	protection	protection	NOUN
fsr-3412	42	17	features	feature	NOUN
fsr-3412	42	18	of	of	ADP
fsr-3412	42	19	term	term	NOUN
fsr-3412	42	20	life	life	NOUN
fsr-3412	42	21	insurance	insurance	NOUN
fsr-3412	42	22	,	,	PUNCT
fsr-3412	42	23	cash	cash	NOUN
fsr-3412	42	24	value	value	NOUN
fsr-3412	42	25	life	life	NOUN
fsr-3412	42	26	insurance	insurance	NOUN
fsr-3412	42	27	policies	policy	NOUN
fsr-3412	42	28	have	have	AUX
fsr-3412	42	29	been	be	AUX
fsr-3412	42	30	marketed	market	VERB
fsr-3412	42	31	as	as	ADP
fsr-3412	42	32	tax	tax	NOUN
fsr-3412	42	33	-	-	PUNCT
fsr-3412	42	34	advantaged	advantaged	ADJ
fsr-3412	42	35	investments	investment	NOUN
fsr-3412	42	36	.	.	PUNCT
fsr-3412	43	1	however	however	ADV
fsr-3412	43	2	,	,	PUNCT
fsr-3412	43	3	with	with	ADP
fsr-3412	43	4	the	the	DET
fsr-3412	43	5	introduction	introduction	NOUN
fsr-3412	43	6	of	of	ADP
fsr-3412	43	7	more	more	ADJ
fsr-3412	43	8	tax	tax	NOUN
fsr-3412	43	9	-	-	PUNCT
fsr-3412	43	10	advantaged	advantage	VERB
fsr-3412	43	11	savings	saving	NOUN
fsr-3412	43	12	instruments	instrument	NOUN
fsr-3412	43	13	such	such	ADJ
fsr-3412	43	14	as	as	ADP
fsr-3412	43	15	roth	roth	PROPN
fsr-3412	43	16	iras	ira	NOUN
fsr-3412	43	17	,	,	PUNCT
fsr-3412	43	18	along	along	ADP
fsr-3412	43	19	with	with	ADP
fsr-3412	43	20	the	the	DET
fsr-3412	43	21	introduction	introduction	NOUN
fsr-3412	43	22	of	of	ADP
fsr-3412	43	23	tax	tax	NOUN
fsr-3412	43	24	-	-	PUNCT
fsr-3412	43	25	advantaged	advantage	VERB
fsr-3412	43	26	savings	saving	NOUN
fsr-3412	43	27	plans	plan	NOUN
fsr-3412	43	28	for	for	ADP
fsr-3412	43	29	college	college	NOUN
fsr-3412	43	30	costs	cost	NOUN
fsr-3412	43	31	,	,	PUNCT
fsr-3412	43	32	many	many	ADJ
fsr-3412	43	33	households	household	NOUN
fsr-3412	43	34	now	now	ADV
fsr-3412	43	35	have	have	VERB
fsr-3412	43	36	attractive	attractive	ADJ
fsr-3412	43	37	alternatives	alternative	NOUN
fsr-3412	43	38	to	to	ADP
fsr-3412	43	39	cash	cash	NOUN
fsr-3412	43	40	value	value	NOUN
fsr-3412	43	41	life	life	NOUN
fsr-3412	43	42	insurance	insurance	NOUN
fsr-3412	43	43	for	for	ADP
fsr-3412	43	44	important	important	ADJ
fsr-3412	43	45	financial	financial	ADJ
fsr-3412	43	46	goals	goal	NOUN
fsr-3412	43	47	.	.	PUNCT
fsr-3412	44	1	increases	increase	NOUN
fsr-3412	44	2	in	in	ADP
fsr-3412	44	3	federal	federal	ADJ
fsr-3412	44	4	income	income	NOUN
fsr-3412	44	5	tax	tax	NOUN
fsr-3412	44	6	marginal	marginal	ADJ
fsr-3412	44	7	rates	rate	NOUN
fsr-3412	44	8	could	could	AUX
fsr-3412	44	9	potentially	potentially	ADV
fsr-3412	44	10	decrease	decrease	VERB
fsr-3412	44	11	the	the	DET
fsr-3412	44	12	demand	demand	NOUN
fsr-3412	44	13	for	for	ADP
fsr-3412	44	14	cash	cash	NOUN
fsr-3412	44	15	value	value	NOUN
fsr-3412	44	16	life	life	NOUN
fsr-3412	44	17	insurance	insurance	NOUN
fsr-3412	44	18	.	.	PUNCT
fsr-3412	45	1	mulholland	mulholland	NOUN
fsr-3412	45	2	et	et	PROPN
fsr-3412	45	3	al	al	PROPN
fsr-3412	45	4	.	.	PUNCT
fsr-3412	46	1	(	(	PUNCT
fsr-3412	46	2	2016	2016	NUM
fsr-3412	46	3	)	)	PUNCT
fsr-3412	46	4	noted	note	VERB
fsr-3412	46	5	that	that	SCONJ
fsr-3412	46	6	cash	cash	NOUN
fsr-3412	46	7	value	value	NOUN
fsr-3412	46	8	life	life	NOUN
fsr-3412	46	9	insurance	insurance	NOUN
fsr-3412	46	10	has	have	AUX
fsr-3412	46	11	had	have	VERB
fsr-3412	46	12	an	an	DET
fsr-3412	46	13	important	important	ADJ
fsr-3412	46	14	role	role	NOUN
fsr-3412	46	15	in	in	ADP
fsr-3412	46	16	estate	estate	NOUN
fsr-3412	46	17	planning	planning	NOUN
fsr-3412	46	18	tools	tool	NOUN
fsr-3412	46	19	,	,	PUNCT
fsr-3412	46	20	especially	especially	ADV
fsr-3412	46	21	when	when	SCONJ
fsr-3412	46	22	more	more	ADJ
fsr-3412	46	23	households	household	NOUN
fsr-3412	46	24	were	be	AUX
fsr-3412	46	25	potentially	potentially	ADV
fsr-3412	46	26	subject	subject	ADJ
fsr-3412	46	27	to	to	ADP
fsr-3412	46	28	the	the	DET
fsr-3412	46	29	federal	federal	ADJ
fsr-3412	46	30	estate	estate	NOUN
fsr-3412	46	31	tax	tax	NOUN
fsr-3412	46	32	.	.	PUNCT
fsr-3412	47	1	the	the	DET
fsr-3412	47	2	increases	increase	NOUN
fsr-3412	47	3	in	in	ADP
fsr-3412	47	4	the	the	DET
fsr-3412	47	5	exemption	exemption	NOUN
fsr-3412	47	6	amounts	amount	VERB
fsr-3412	47	7	for	for	ADP
fsr-3412	47	8	the	the	DET
fsr-3412	47	9	federal	federal	ADJ
fsr-3412	47	10	estate	estate	NOUN
fsr-3412	47	11	tax	tax	NOUN
fsr-3412	47	12	have	have	AUX
fsr-3412	47	13	generally	generally	ADV
fsr-3412	47	14	reduced	reduce	VERB
fsr-3412	47	15	the	the	DET
fsr-3412	47	16	number	number	NOUN
fsr-3412	47	17	of	of	ADP
fsr-3412	47	18	households	household	NOUN
fsr-3412	47	19	potentially	potentially	ADV
fsr-3412	47	20	subject	subject	ADJ
fsr-3412	47	21	to	to	ADP
fsr-3412	47	22	the	the	DET
fsr-3412	47	23	tax	tax	NOUN
fsr-3412	47	24	after	after	ADP
fsr-3412	47	25	2004	2004	NUM
fsr-3412	47	26	.	.	PUNCT
fsr-3412	48	1	mulholland	mulholland	PROPN
fsr-3412	48	2	et	et	PROPN
fsr-3412	48	3	al	al	PROPN
fsr-3412	48	4	.	.	PUNCT
fsr-3412	49	1	(	(	PUNCT
fsr-3412	49	2	2016	2016	NUM
fsr-3412	49	3	)	)	PUNCT
fsr-3412	49	4	also	also	ADV
fsr-3412	49	5	noted	note	VERB
fsr-3412	49	6	that	that	SCONJ
fsr-3412	49	7	the	the	DET
fsr-3412	49	8	cost	cost	NOUN
fsr-3412	49	9	of	of	ADP
fsr-3412	49	10	term	term	NOUN
fsr-3412	49	11	life	life	NOUN
fsr-3412	49	12	insurance	insurance	NOUN
fsr-3412	49	13	has	have	AUX
fsr-3412	49	14	dropped	drop	VERB
fsr-3412	49	15	substantially	substantially	ADV
fsr-3412	49	16	since	since	SCONJ
fsr-3412	49	17	the	the	DET
fsr-3412	49	18	introduction	introduction	NOUN
fsr-3412	49	19	of	of	ADP
fsr-3412	49	20	internet	internet	NOUN
fsr-3412	49	21	marketing	marketing	NOUN
fsr-3412	49	22	and	and	CCONJ
fsr-3412	49	23	price	price	NOUN
fsr-3412	49	24	comparisons	comparison	NOUN
fsr-3412	49	25	,	,	PUNCT
fsr-3412	49	26	but	but	CCONJ
fsr-3412	49	27	the	the	DET
fsr-3412	49	28	cost	cost	NOUN
fsr-3412	49	29	of	of	ADP
fsr-3412	49	30	cash	cash	NOUN
fsr-3412	49	31	value	value	NOUN
fsr-3412	49	32	life	life	NOUN
fsr-3412	49	33	insurance	insurance	NOUN
fsr-3412	49	34	has	have	AUX
fsr-3412	49	35	not	not	PART
fsr-3412	49	36	dropped	drop	VERB
fsr-3412	49	37	as	as	ADV
fsr-3412	49	38	much	much	ADJ
fsr-3412	49	39	.	.	PUNCT
fsr-3412	50	1	heo	heo	PROPN
fsr-3412	50	2	,	,	PUNCT
fsr-3412	50	3	grable	grable	ADJ
fsr-3412	50	4	,	,	PUNCT
fsr-3412	50	5	and	and	CCONJ
fsr-3412	50	6	chatterjee	chatterjee	PROPN
fsr-3412	50	7	(	(	PUNCT
fsr-3412	50	8	2013	2013	NUM
fsr-3412	50	9	)	)	PUNCT
fsr-3412	50	10	examined	examine	VERB
fsr-3412	50	11	the	the	DET
fsr-3412	50	12	2004	2004	NUM
fsr-3412	50	13	and	and	CCONJ
fsr-3412	50	14	2008	2008	NUM
fsr-3412	50	15	national	national	ADJ
fsr-3412	50	16	longitudinal	longitudinal	ADJ
fsr-3412	50	17	survey	survey	NOUN
fsr-3412	50	18	of	of	ADP
fsr-3412	50	19	youth	youth	NOUN
fsr-3412	50	20	1979	1979	NUM
fsr-3412	50	21	cohort	cohort	NOUN
fsr-3412	50	22	that	that	PRON
fsr-3412	50	23	consisted	consist	VERB
fsr-3412	50	24	of	of	ADP
fsr-3412	50	25	respondents	respondent	NOUN
fsr-3412	50	26	aged	age	VERB
fsr-3412	50	27	43–51	43–51	NUM
fsr-3412	50	28	.	.	PUNCT
fsr-3412	51	1	heo	heo	PROPN
fsr-3412	51	2	et	et	PROPN
fsr-3412	51	3	al	al	PROPN
fsr-3412	51	4	.	.	PROPN
fsr-3412	52	1	(	(	PUNCT
fsr-3412	52	2	2013	2013	NUM
fsr-3412	52	3	)	)	PUNCT
fsr-3412	52	4	noted	note	VERB
fsr-3412	52	5	that	that	SCONJ
fsr-3412	52	6	there	there	PRON
fsr-3412	52	7	was	be	VERB
fsr-3412	52	8	a	a	DET
fsr-3412	52	9	net	net	ADJ
fsr-3412	52	10	decrease	decrease	NOUN
fsr-3412	52	11	of	of	ADP
fsr-3412	52	12	one	one	NUM
fsr-3412	52	13	percentage	percentage	NOUN
fsr-3412	52	14	in	in	ADP
fsr-3412	52	15	life	life	NOUN
fsr-3412	52	16	insurance	insurance	NOUN
fsr-3412	52	17	ownership	ownership	NOUN
fsr-3412	52	18	over	over	ADP
fsr-3412	52	19	this	this	DET
fsr-3412	52	20	period	period	NOUN
fsr-3412	52	21	.	.	PUNCT
fsr-3412	53	1	guillemette	guillemette	NOUN
fsr-3412	53	2	,	,	PUNCT
fsr-3412	53	3	hussein	hussein	PROPN
fsr-3412	53	4	,	,	PUNCT
fsr-3412	53	5	phillips	phillip	NOUN
fsr-3412	53	6	,	,	PUNCT
fsr-3412	53	7	and	and	CCONJ
fsr-3412	53	8	martin	martin	PROPN
fsr-3412	53	9	(	(	PUNCT
fsr-3412	53	10	2015	2015	NUM
fsr-3412	53	11	)	)	PUNCT
fsr-3412	53	12	analyzed	analyze	VERB
fsr-3412	53	13	the	the	DET
fsr-3412	53	14	1992	1992	NUM
fsr-3412	53	15	through	through	ADP
fsr-3412	53	16	2010	2010	NUM
fsr-3412	53	17	scf	scf	PROPN
fsr-3412	53	18	datasets	dataset	NOUN
fsr-3412	53	19	,	,	PUNCT
fsr-3412	53	20	finding	find	VERB
fsr-3412	53	21	a	a	DET
fsr-3412	53	22	decreasing	decrease	VERB
fsr-3412	53	23	ownership	ownership	NOUN
fsr-3412	53	24	trend	trend	NOUN
fsr-3412	53	25	and	and	CCONJ
fsr-3412	53	26	examined	examine	VERB
fsr-3412	53	27	if	if	SCONJ
fsr-3412	53	28	household	household	NOUN
fsr-3412	53	29	size	size	NOUN
fsr-3412	53	30	affected	affect	VERB
fsr-3412	53	31	life	life	NOUN
fsr-3412	53	32	insurance	insurance	NOUN
fsr-3412	53	33	ownership	ownership	NOUN
fsr-3412	53	34	differently	differently	ADV
fsr-3412	53	35	for	for	ADP
fsr-3412	53	36	minority	minority	NOUN
fsr-3412	53	37	households	household	NOUN
fsr-3412	53	38	.	.	PUNCT
fsr-3412	54	1	compared	compare	VERB
fsr-3412	54	2	with	with	ADP
fsr-3412	54	3	white	white	ADJ
fsr-3412	54	4	households	household	NOUN
fsr-3412	54	5	,	,	PUNCT
fsr-3412	54	6	as	as	SCONJ
fsr-3412	54	7	household	household	NOUN
fsr-3412	54	8	size	size	NOUN
fsr-3412	54	9	increases	increase	NOUN
fsr-3412	54	10	,	,	PUNCT
fsr-3412	54	11	the	the	DET
fsr-3412	54	12	likelihood	likelihood	NOUN
fsr-3412	54	13	of	of	ADP
fsr-3412	54	14	life	life	NOUN
fsr-3412	54	15	insurance	insurance	NOUN
fsr-3412	54	16	ownership	ownership	NOUN
fsr-3412	54	17	decreases	decrease	NOUN
fsr-3412	54	18	for	for	ADP
fsr-3412	54	19	both	both	CCONJ
fsr-3412	54	20	black	black	ADJ
fsr-3412	54	21	and	and	CCONJ
fsr-3412	54	22	hispanic	hispanic	ADJ
fsr-3412	54	23	households	household	NOUN
fsr-3412	54	24	.	.	PUNCT
fsr-3412	55	1	additionally	additionally	ADV
fsr-3412	55	2	,	,	PUNCT
fsr-3412	55	3	they	they	PRON
fsr-3412	55	4	found	find	VERB
fsr-3412	55	5	that	that	SCONJ
fsr-3412	55	6	being	be	AUX
fsr-3412	55	7	employed	employ	VERB
fsr-3412	55	8	,	,	PUNCT
fsr-3412	55	9	age	age	NOUN
fsr-3412	55	10	,	,	PUNCT
fsr-3412	55	11	education	education	NOUN
fsr-3412	55	12	,	,	PUNCT
fsr-3412	55	13	presence	presence	NOUN
fsr-3412	55	14	of	of	ADP
fsr-3412	55	15	children	child	NOUN
fsr-3412	55	16	,	,	PUNCT
fsr-3412	55	17	homeownership	homeownership	NOUN
fsr-3412	55	18	,	,	PUNCT
fsr-3412	55	19	and	and	CCONJ
fsr-3412	55	20	being	be	AUX
fsr-3412	55	21	married	marry	VERB
fsr-3412	55	22	to	to	PART
fsr-3412	55	23	be	be	AUX
fsr-3412	55	24	positively	positively	ADV
fsr-3412	55	25	associated	associate	VERB
fsr-3412	55	26	with	with	ADP
fsr-3412	55	27	having	have	VERB
fsr-3412	55	28	life	life	NOUN
fsr-3412	55	29	insurance	insurance	NOUN
fsr-3412	55	30	.	.	PUNCT
fsr-3412	56	1	relative	relative	ADJ
fsr-3412	56	2	to	to	ADP
fsr-3412	56	3	1992	1992	NUM
fsr-3412	56	4	,	,	PUNCT
fsr-3412	56	5	all	all	DET
fsr-3412	56	6	subsequent	subsequent	ADJ
fsr-3412	56	7	survey	survey	NOUN
fsr-3412	56	8	years	year	NOUN
fsr-3412	56	9	were	be	AUX
fsr-3412	56	10	significant	significant	ADJ
fsr-3412	56	11	and	and	CCONJ
fsr-3412	56	12	negative	negative	ADJ
fsr-3412	56	13	with	with	ADP
fsr-3412	56	14	the	the	DET
fsr-3412	56	15	exception	exception	NOUN
fsr-3412	56	16	of	of	ADP
fsr-3412	56	17	1995	1995	NUM
fsr-3412	56	18	that	that	PRON
fsr-3412	56	19	was	be	AUX
fsr-3412	56	20	not	not	PART
fsr-3412	56	21	significantly	significantly	ADV
fsr-3412	56	22	different	different	ADJ
fsr-3412	56	23	than	than	ADP
fsr-3412	56	24	1992	1992	NUM
fsr-3412	56	25	.	.	PUNCT
fsr-3412	57	1	they	they	PRON
fsr-3412	57	2	also	also	ADV
fsr-3412	57	3	found	find	VERB
fsr-3412	57	4	that	that	SCONJ
fsr-3412	57	5	self	self	NOUN
fsr-3412	57	6	-	-	PUNCT
fsr-3412	57	7	employed	employ	VERB
fsr-3412	57	8	households	household	NOUN
fsr-3412	57	9	were	be	AUX
fsr-3412	57	10	less	less	ADV
fsr-3412	57	11	likely	likely	ADJ
fsr-3412	57	12	to	to	PART
fsr-3412	57	13	own	own	VERB
fsr-3412	57	14	life	life	NOUN
fsr-3412	57	15	insurance	insurance	NOUN
fsr-3412	57	16	compared	compare	VERB
fsr-3412	57	17	with	with	ADP
fsr-3412	57	18	those	those	PRON
fsr-3412	57	19	working	work	VERB
fsr-3412	57	20	for	for	ADP
fsr-3412	57	21	an	an	DET
fsr-3412	57	22	employer	employer	NOUN
fsr-3412	57	23	,	,	PUNCT
fsr-3412	57	24	and	and	CCONJ
fsr-3412	57	25	hispanic	hispanic	ADJ
fsr-3412	57	26	households	household	NOUN
fsr-3412	57	27	were	be	AUX
fsr-3412	57	28	less	less	ADV
fsr-3412	57	29	likely	likely	ADJ
fsr-3412	57	30	to	to	PART
fsr-3412	57	31	own	own	VERB
fsr-3412	57	32	life	life	NOUN
fsr-3412	57	33	insurance	insurance	NOUN
fsr-3412	57	34	than	than	ADP
fsr-3412	57	35	otherwise	otherwise	ADV
fsr-3412	57	36	comparable	comparable	ADJ
fsr-3412	57	37	white	white	ADJ
fsr-3412	57	38	households	household	NOUN
fsr-3412	57	39	,	,	PUNCT
fsr-3412	57	40	while	while	SCONJ
fsr-3412	57	41	black	black	ADJ
fsr-3412	57	42	households	household	NOUN
fsr-3412	57	43	were	be	AUX
fsr-3412	57	44	more	more	ADV
fsr-3412	57	45	likely	likely	ADJ
fsr-3412	57	46	to	to	PART
fsr-3412	57	47	own	own	VERB
fsr-3412	57	48	life	life	NOUN
fsr-3412	57	49	insurance	insurance	NOUN
fsr-3412	57	50	than	than	ADP
fsr-3412	57	51	white	white	ADJ
fsr-3412	57	52	households	household	NOUN
fsr-3412	57	53	.	.	PUNCT
fsr-3412	58	1	gutter	gutter	NOUN
fsr-3412	58	2	and	and	CCONJ
fsr-3412	58	3	hatcher	hatcher	NOUN
fsr-3412	58	4	(	(	PUNCT
fsr-3412	58	5	2008	2008	NUM
fsr-3412	58	6	)	)	PUNCT
fsr-3412	58	7	examined	examine	VERB
fsr-3412	58	8	the	the	DET
fsr-3412	58	9	demand	demand	NOUN
fsr-3412	58	10	for	for	ADP
fsr-3412	58	11	life	life	NOUN
fsr-3412	58	12	insurance	insurance	NOUN
fsr-3412	58	13	using	use	VERB
fsr-3412	58	14	the	the	DET
fsr-3412	58	15	2004	2004	NUM
fsr-3412	58	16	scf	scf	PROPN
fsr-3412	58	17	,	,	PUNCT
fsr-3412	58	18	with	with	ADP
fsr-3412	58	19	an	an	DET
fsr-3412	58	20	objective	objective	NOUN
fsr-3412	58	21	of	of	ADP
fsr-3412	58	22	determining	determine	VERB
fsr-3412	58	23	factors	factor	NOUN
fsr-3412	58	24	related	relate	VERB
fsr-3412	58	25	to	to	ADP
fsr-3412	58	26	white	white	ADJ
fsr-3412	58	27	and	and	CCONJ
fsr-3412	58	28	black	black	ADJ
fsr-3412	58	29	household	household	NOUN
fsr-3412	58	30	life	life	NOUN
fsr-3412	58	31	insurance	insurance	NOUN
fsr-3412	58	32	ownership	ownership	NOUN
fsr-3412	58	33	differences	difference	NOUN
fsr-3412	58	34	.	.	PUNCT
fsr-3412	59	1	gutter	gutter	NOUN
fsr-3412	59	2	and	and	CCONJ
fsr-3412	59	3	hatcher	hatcher	PROPN
fsr-3412	59	4	(	(	PUNCT
fsr-3412	59	5	2008	2008	NUM
fsr-3412	59	6	)	)	PUNCT
fsr-3412	59	7	found	find	VERB
fsr-3412	59	8	age	age	NOUN
fsr-3412	59	9	to	to	PART
fsr-3412	59	10	be	be	AUX
fsr-3412	59	11	positively	positively	ADV
fsr-3412	59	12	correlated	correlate	VERB
fsr-3412	59	13	to	to	ADP
fsr-3412	59	14	life	life	NOUN
fsr-3412	59	15	insurance	insurance	NOUN
fsr-3412	59	16	ownership	ownership	NOUN
fsr-3412	59	17	.	.	PUNCT
fsr-3412	60	1	homeownership	homeownership	NOUN
fsr-3412	60	2	was	be	AUX
fsr-3412	60	3	positively	positively	ADV
fsr-3412	60	4	related	relate	VERB
fsr-3412	60	5	to	to	ADP
fsr-3412	60	6	life	life	NOUN
fsr-3412	60	7	insurance	insurance	NOUN
fsr-3412	60	8	ownership	ownership	NOUN
fsr-3412	60	9	while	while	SCONJ
fsr-3412	60	10	the	the	DET
fsr-3412	60	11	likelihood	likelihood	NOUN
fsr-3412	60	12	of	of	ADP
fsr-3412	60	13	life	life	NOUN
fsr-3412	60	14	insurance	insurance	NOUN
fsr-3412	60	15	ownership	ownership	NOUN
fsr-3412	60	16	for	for	ADP
fsr-3412	60	17	those	those	PRON
fsr-3412	60	18	with	with	ADP
fsr-3412	60	19	children	child	NOUN
fsr-3412	60	20	was	be	AUX
fsr-3412	60	21	not	not	PART
fsr-3412	60	22	different	different	ADJ
fsr-3412	60	23	from	from	ADP
fsr-3412	60	24	those	those	PRON
fsr-3412	60	25	without	without	ADP
fsr-3412	60	26	children	child	NOUN
fsr-3412	60	27	.	.	PUNCT
fsr-3412	61	1	mountain	mountain	NOUN
fsr-3412	61	2	(	(	PUNCT
fsr-3412	61	3	2015	2015	NUM
fsr-3412	61	4	)	)	PUNCT
fsr-3412	61	5	,	,	PUNCT
fsr-3412	61	6	using	use	VERB
fsr-3412	61	7	the	the	DET
fsr-3412	61	8	2013	2013	NUM
fsr-3412	61	9	scf	scf	PROPN
fsr-3412	61	10	,	,	PUNCT
fsr-3412	61	11	examined	examine	VERB
fsr-3412	61	12	life	life	NOUN
fsr-3412	61	13	insurance	insurance	NOUN
fsr-3412	61	14	ownership	ownership	NOUN
fsr-3412	61	15	for	for	ADP
fsr-3412	61	16	working	working	NOUN
fsr-3412	61	17	coupled	couple	VERB
fsr-3412	61	18	households	household	NOUN
fsr-3412	61	19	aged	age	VERB
fsr-3412	61	20	30–64	30–64	PROPN
fsr-3412	61	21	.	.	PUNCT
fsr-3412	61	22	mountain	mountain	NOUN
fsr-3412	61	23	(	(	PUNCT
fsr-3412	61	24	2015	2015	NUM
fsr-3412	61	25	)	)	PUNCT
fsr-3412	61	26	estimated	estimate	VERB
fsr-3412	61	27	that	that	SCONJ
fsr-3412	61	28	the	the	DET
fsr-3412	61	29	3k	3k	X
fsr-3412	61	30	.	.	PUNCT
fsr-3412	62	1	tae	tae	PROPN
fsr-3412	62	2	kim	kim	PROPN
fsr-3412	62	3	et	et	PROPN
fsr-3412	62	4	al	al	PROPN
fsr-3412	62	5	.	.	PUNCT
fsr-3412	62	6	/	/	SYM
fsr-3412	62	7	financial	financial	ADJ
fsr-3412	62	8	services	service	NOUN
fsr-3412	62	9	review	review	VERB
fsr-3412	62	10	28	28	NUM
fsr-3412	62	11	(	(	PUNCT
fsr-3412	62	12	2020	2020	NUM
fsr-3412	62	13	)	)	PUNCT
fsr-3412	62	14	1	1	NUM
fsr-3412	62	15	-	-	SYM
fsr-3412	62	16	16	16	NUM
fsr-3412	62	17	median	median	ADJ
fsr-3412	62	18	proportion	proportion	NOUN
fsr-3412	62	19	of	of	ADP
fsr-3412	62	20	insurable	insurable	ADJ
fsr-3412	62	21	human	human	ADJ
fsr-3412	62	22	wealth	wealth	NOUN
fsr-3412	62	23	insured	insure	VERB
fsr-3412	62	24	with	with	ADP
fsr-3412	62	25	life	life	NOUN
fsr-3412	62	26	insurance	insurance	NOUN
fsr-3412	62	27	was	be	AUX
fsr-3412	62	28	only	only	ADV
fsr-3412	62	29	28	28	NUM
fsr-3412	62	30	%	%	NOUN
fsr-3412	62	31	.	.	PUNCT
fsr-3412	63	1	age	age	NOUN
fsr-3412	63	2	and	and	CCONJ
fsr-3412	63	3	education	education	NOUN
fsr-3412	63	4	were	be	AUX
fsr-3412	63	5	positively	positively	ADV
fsr-3412	63	6	associated	associate	VERB
fsr-3412	63	7	with	with	ADP
fsr-3412	63	8	life	life	NOUN
fsr-3412	63	9	insurance	insurance	NOUN
fsr-3412	63	10	ownership	ownership	NOUN
fsr-3412	63	11	.	.	PUNCT
fsr-3412	64	1	households	household	NOUN
fsr-3412	64	2	with	with	ADP
fsr-3412	64	3	a	a	DET
fsr-3412	64	4	black	black	ADJ
fsr-3412	64	5	respondent	respondent	NOUN
fsr-3412	64	6	were	be	AUX
fsr-3412	64	7	more	more	ADV
fsr-3412	64	8	likely	likely	ADJ
fsr-3412	64	9	,	,	PUNCT
fsr-3412	64	10	and	and	CCONJ
fsr-3412	64	11	those	those	PRON
fsr-3412	64	12	with	with	ADP
fsr-3412	64	13	hispanic	hispanic	ADJ
fsr-3412	64	14	and	and	CCONJ
fsr-3412	64	15	asian	asian	ADJ
fsr-3412	64	16	/	/	SYM
fsr-3412	64	17	other	other	ADJ
fsr-3412	64	18	respondents	respondent	NOUN
fsr-3412	64	19	were	be	AUX
fsr-3412	64	20	less	less	ADV
fsr-3412	64	21	likely	likely	ADJ
fsr-3412	64	22	,	,	PUNCT
fsr-3412	64	23	to	to	PART
fsr-3412	64	24	own	own	VERB
fsr-3412	64	25	life	life	NOUN
fsr-3412	64	26	insurance	insurance	NOUN
fsr-3412	64	27	than	than	ADP
fsr-3412	64	28	households	household	NOUN
fsr-3412	64	29	with	with	ADP
fsr-3412	64	30	a	a	DET
fsr-3412	64	31	white	white	ADJ
fsr-3412	64	32	respondent	respondent	NOUN
fsr-3412	64	33	.	.	PUNCT
fsr-3412	65	1	married	married	ADJ
fsr-3412	65	2	couples	couple	NOUN
fsr-3412	65	3	were	be	AUX
fsr-3412	65	4	more	more	ADV
fsr-3412	65	5	likely	likely	ADJ
fsr-3412	65	6	to	to	PART
fsr-3412	65	7	own	own	VERB
fsr-3412	65	8	life	life	NOUN
fsr-3412	65	9	insurance	insurance	NOUN
fsr-3412	65	10	than	than	SCONJ
fsr-3412	65	11	partnered	partner	VERB
fsr-3412	65	12	couples	couple	NOUN
fsr-3412	65	13	.	.	PUNCT
fsr-3412	66	1	liebenberg	liebenberg	PROPN
fsr-3412	66	2	,	,	PUNCT
fsr-3412	66	3	carson	carson	PROPN
fsr-3412	66	4	,	,	PUNCT
fsr-3412	66	5	and	and	CCONJ
fsr-3412	66	6	dumm	dumm	PROPN
fsr-3412	66	7	(	(	PUNCT
fsr-3412	66	8	2012	2012	NUM
fsr-3412	66	9	)	)	PUNCT
fsr-3412	66	10	explored	explore	VERB
fsr-3412	66	11	the	the	DET
fsr-3412	66	12	determinants	determinant	NOUN
fsr-3412	66	13	of	of	ADP
fsr-3412	66	14	life	life	NOUN
fsr-3412	66	15	insurance	insurance	NOUN
fsr-3412	66	16	demand	demand	NOUN
fsr-3412	66	17	for	for	ADP
fsr-3412	66	18	both	both	DET
fsr-3412	66	19	term	term	NOUN
fsr-3412	66	20	and	and	CCONJ
fsr-3412	66	21	whole	whole	ADJ
fsr-3412	66	22	life	life	NOUN
fsr-3412	66	23	policies	policy	NOUN
fsr-3412	66	24	in	in	ADP
fsr-3412	66	25	a	a	DET
fsr-3412	66	26	dynamic	dynamic	ADJ
fsr-3412	66	27	analysis	analysis	NOUN
fsr-3412	66	28	where	where	SCONJ
fsr-3412	66	29	the	the	DET
fsr-3412	66	30	authors	author	NOUN
fsr-3412	66	31	used	use	VERB
fsr-3412	66	32	1983–1989	1983–1989	NUM
fsr-3412	66	33	scf	scf	PROPN
fsr-3412	66	34	panel	panel	NOUN
fsr-3412	66	35	datasets	dataset	NOUN
fsr-3412	66	36	in	in	ADP
fsr-3412	66	37	a	a	DET
fsr-3412	66	38	cragg	cragg	NOUN
fsr-3412	66	39	model	model	NOUN
fsr-3412	66	40	.	.	PUNCT
fsr-3412	67	1	they	they	PRON
fsr-3412	67	2	found	find	VERB
fsr-3412	67	3	that	that	SCONJ
fsr-3412	67	4	new	new	ADJ
fsr-3412	67	5	parents	parent	NOUN
fsr-3412	67	6	were	be	AUX
fsr-3412	67	7	more	more	ADV
fsr-3412	67	8	likely	likely	ADJ
fsr-3412	67	9	to	to	PART
fsr-3412	67	10	own	own	VERB
fsr-3412	67	11	life	life	NOUN
fsr-3412	67	12	insurance	insurance	NOUN
fsr-3412	67	13	than	than	ADP
fsr-3412	67	14	those	those	PRON
fsr-3412	67	15	who	who	PRON
fsr-3412	67	16	were	be	AUX
fsr-3412	67	17	not	not	PART
fsr-3412	67	18	new	new	ADJ
fsr-3412	67	19	parents	parent	NOUN
fsr-3412	67	20	,	,	PUNCT
fsr-3412	67	21	and	and	CCONJ
fsr-3412	67	22	households	household	NOUN
fsr-3412	67	23	who	who	PRON
fsr-3412	67	24	had	have	AUX
fsr-3412	67	25	started	start	VERB
fsr-3412	67	26	a	a	DET
fsr-3412	67	27	new	new	ADJ
fsr-3412	67	28	job	job	NOUN
fsr-3412	67	29	were	be	AUX
fsr-3412	67	30	more	more	ADV
fsr-3412	67	31	likely	likely	ADJ
fsr-3412	67	32	to	to	PART
fsr-3412	67	33	increase	increase	VERB
fsr-3412	67	34	their	their	PRON
fsr-3412	67	35	holdings	holding	NOUN
fsr-3412	67	36	of	of	ADP
fsr-3412	67	37	term	term	NOUN
fsr-3412	67	38	insurance	insurance	NOUN
fsr-3412	67	39	coverage	coverage	NOUN
fsr-3412	67	40	than	than	ADP
fsr-3412	67	41	those	those	PRON
fsr-3412	67	42	who	who	PRON
fsr-3412	67	43	had	have	VERB
fsr-3412	67	44	not	not	PART
fsr-3412	67	45	.	.	PUNCT
fsr-3412	68	1	bernheim	bernheim	PROPN
fsr-3412	68	2	,	,	PUNCT
fsr-3412	68	3	carman	carman	PROPN
fsr-3412	68	4	et	et	PROPN
fsr-3412	68	5	al	al	PROPN
fsr-3412	68	6	.	.	PROPN
fsr-3412	69	1	(	(	PUNCT
fsr-3412	69	2	2003	2003	NUM
fsr-3412	69	3	)	)	PUNCT
fsr-3412	69	4	examined	examine	VERB
fsr-3412	69	5	financial	financial	ADJ
fsr-3412	69	6	vulnerability	vulnerability	NOUN
fsr-3412	69	7	and	and	CCONJ
fsr-3412	69	8	life	life	NOUN
fsr-3412	69	9	insurance	insurance	NOUN
fsr-3412	69	10	coverage	coverage	NOUN
fsr-3412	69	11	at	at	ADP
fsr-3412	69	12	all	all	DET
fsr-3412	69	13	stages	stage	NOUN
fsr-3412	69	14	of	of	ADP
fsr-3412	69	15	the	the	DET
fsr-3412	69	16	life	life	NOUN
fsr-3412	69	17	cycle	cycle	NOUN
fsr-3412	69	18	.	.	PUNCT
fsr-3412	70	1	the	the	DET
fsr-3412	70	2	authors	author	NOUN
fsr-3412	70	3	proposed	propose	VERB
fsr-3412	70	4	two	two	NUM
fsr-3412	70	5	explanations	explanation	NOUN
fsr-3412	70	6	on	on	ADP
fsr-3412	70	7	why	why	SCONJ
fsr-3412	70	8	a	a	DET
fsr-3412	70	9	household	household	NOUN
fsr-3412	70	10	with	with	ADP
fsr-3412	70	11	financial	financial	ADJ
fsr-3412	70	12	vulnerabilities	vulnerability	NOUN
fsr-3412	70	13	might	might	AUX
fsr-3412	70	14	not	not	PART
fsr-3412	70	15	be	be	AUX
fsr-3412	70	16	protected	protect	VERB
fsr-3412	70	17	by	by	ADP
fsr-3412	70	18	life	life	NOUN
fsr-3412	70	19	insurance	insurance	NOUN
fsr-3412	70	20	:	:	PUNCT
fsr-3412	70	21	(	(	PUNCT
fsr-3412	70	22	1	1	X
fsr-3412	70	23	)	)	PUNCT
fsr-3412	70	24	young	young	ADJ
fsr-3412	70	25	households	household	NOUN
fsr-3412	70	26	purchased	purchase	VERB
fsr-3412	70	27	long	long	ADJ
fsr-3412	70	28	term	term	NOUN
fsr-3412	70	29	life	life	NOUN
fsr-3412	70	30	insurance	insurance	NOUN
fsr-3412	70	31	contracts	contract	NOUN
fsr-3412	70	32	but	but	CCONJ
fsr-3412	70	33	failed	fail	VERB
fsr-3412	70	34	to	to	PART
fsr-3412	70	35	update	update	VERB
fsr-3412	70	36	them	they	PRON
fsr-3412	70	37	as	as	SCONJ
fsr-3412	70	38	life	life	NOUN
fsr-3412	70	39	events	event	NOUN
fsr-3412	70	40	change	change	VERB
fsr-3412	70	41	;	;	PUNCT
fsr-3412	70	42	(	(	PUNCT
fsr-3412	70	43	2	2	X
fsr-3412	70	44	)	)	PUNCT
fsr-3412	70	45	actual	actual	ADJ
fsr-3412	70	46	needs	need	NOUN
fsr-3412	70	47	had	have	VERB
fsr-3412	70	48	no	no	DET
fsr-3412	70	49	effect	effect	NOUN
fsr-3412	70	50	on	on	ADP
fsr-3412	70	51	purchase	purchase	NOUN
fsr-3412	70	52	.	.	PUNCT
fsr-3412	71	1	finke	finke	PROPN
fsr-3412	71	2	,	,	PUNCT
fsr-3412	71	3	huston	huston	PROPN
fsr-3412	71	4	,	,	PUNCT
fsr-3412	71	5	and	and	CCONJ
fsr-3412	71	6	waller	waller	PROPN
fsr-3412	71	7	(	(	PUNCT
fsr-3412	71	8	2009	2009	NUM
fsr-3412	71	9	)	)	PUNCT
fsr-3412	71	10	used	use	VERB
fsr-3412	71	11	data	datum	NOUN
fsr-3412	71	12	from	from	ADP
fsr-3412	71	13	the	the	DET
fsr-3412	71	14	2004	2004	NUM
fsr-3412	71	15	scf	scf	PROPN
fsr-3412	71	16	and	and	CCONJ
fsr-3412	71	17	compared	compare	VERB
fsr-3412	71	18	the	the	DET
fsr-3412	71	19	difference	difference	NOUN
fsr-3412	71	20	of	of	ADP
fsr-3412	71	21	life	life	NOUN
fsr-3412	71	22	insurance	insurance	NOUN
fsr-3412	71	23	purchases	purchase	NOUN
fsr-3412	71	24	between	between	ADP
fsr-3412	71	25	people	people	NOUN
fsr-3412	71	26	who	who	PRON
fsr-3412	71	27	were	be	AUX
fsr-3412	71	28	advised	advise	VERB
fsr-3412	71	29	by	by	ADP
fsr-3412	71	30	either	either	CCONJ
fsr-3412	71	31	financial	financial	ADJ
fsr-3412	71	32	planners	planner	NOUN
fsr-3412	71	33	or	or	CCONJ
fsr-3412	71	34	brokers	broker	NOUN
fsr-3412	71	35	(	(	PUNCT
fsr-3412	71	36	dealers	dealer	NOUN
fsr-3412	71	37	)	)	PUNCT
fsr-3412	71	38	to	to	ADP
fsr-3412	71	39	those	those	PRON
fsr-3412	71	40	who	who	PRON
fsr-3412	71	41	were	be	AUX
fsr-3412	71	42	not	not	PART
fsr-3412	71	43	.	.	PUNCT
fsr-3412	72	1	they	they	PRON
fsr-3412	72	2	found	find	VERB
fsr-3412	72	3	that	that	SCONJ
fsr-3412	72	4	households	household	NOUN
fsr-3412	72	5	that	that	PRON
fsr-3412	72	6	used	use	VERB
fsr-3412	72	7	financial	financial	ADJ
fsr-3412	72	8	planners	planner	NOUN
fsr-3412	72	9	and	and	CCONJ
fsr-3412	72	10	that	that	SCONJ
fsr-3412	72	11	used	use	VERB
fsr-3412	72	12	broker	broker	NOUN
fsr-3412	72	13	/	/	SYM
fsr-3412	72	14	dealers	dealer	NOUN
fsr-3412	72	15	shared	share	VERB
fsr-3412	72	16	similar	similar	ADJ
fsr-3412	72	17	demographic	demographic	ADJ
fsr-3412	72	18	characteristics	characteristic	NOUN
fsr-3412	72	19	.	.	PUNCT
fsr-3412	73	1	more	more	ADV
fsr-3412	73	2	important	important	ADJ
fsr-3412	73	3	,	,	PUNCT
fsr-3412	73	4	the	the	DET
fsr-3412	73	5	estimation	estimation	NOUN
fsr-3412	73	6	results	result	NOUN
fsr-3412	73	7	showed	show	VERB
fsr-3412	73	8	that	that	SCONJ
fsr-3412	73	9	people	people	NOUN
fsr-3412	73	10	who	who	PRON
fsr-3412	73	11	relied	rely	VERB
fsr-3412	73	12	primarily	primarily	ADV
fsr-3412	73	13	on	on	ADP
fsr-3412	73	14	financial	financial	ADJ
fsr-3412	73	15	planners	planner	NOUN
fsr-3412	73	16	were	be	AUX
fsr-3412	73	17	more	more	ADV
fsr-3412	73	18	likely	likely	ADJ
fsr-3412	73	19	to	to	PART
fsr-3412	73	20	purchase	purchase	VERB
fsr-3412	73	21	adequate	adequate	ADJ
fsr-3412	73	22	life	life	NOUN
fsr-3412	73	23	insurance	insurance	NOUN
fsr-3412	73	24	holdings	holding	NOUN
fsr-3412	73	25	,	,	PUNCT
fsr-3412	73	26	while	while	SCONJ
fsr-3412	73	27	the	the	DET
fsr-3412	73	28	use	use	NOUN
fsr-3412	73	29	of	of	ADP
fsr-3412	73	30	broker	broker	NOUN
fsr-3412	73	31	/	/	SYM
fsr-3412	73	32	dealers	dealer	NOUN
fsr-3412	73	33	had	have	VERB
fsr-3412	73	34	no	no	DET
fsr-3412	73	35	impact	impact	NOUN
fsr-3412	73	36	on	on	ADP
fsr-3412	73	37	levels	level	NOUN
fsr-3412	73	38	of	of	ADP
fsr-3412	73	39	life	life	NOUN
fsr-3412	73	40	insurance	insurance	NOUN
fsr-3412	73	41	.	.	PUNCT
fsr-3412	74	1	finally	finally	ADV
fsr-3412	74	2	,	,	PUNCT
fsr-3412	74	3	households	household	NOUN
fsr-3412	74	4	who	who	PRON
fsr-3412	74	5	were	be	AUX
fsr-3412	74	6	wealthier	wealthy	ADJ
fsr-3412	74	7	,	,	PUNCT
fsr-3412	74	8	self	self	NOUN
fsr-3412	74	9	-	-	PUNCT
fsr-3412	74	10	employed	employ	VERB
fsr-3412	74	11	,	,	PUNCT
fsr-3412	74	12	and	and	CCONJ
fsr-3412	74	13	home	home	NOUN
fsr-3412	74	14	-	-	PUNCT
fsr-3412	74	15	owning	owning	NOUN
fsr-3412	74	16	tended	tend	VERB
fsr-3412	74	17	to	to	PART
fsr-3412	74	18	purchase	purchase	VERB
fsr-3412	74	19	more	more	ADV
fsr-3412	74	20	adequate	adequate	ADJ
fsr-3412	74	21	life	life	NOUN
fsr-3412	74	22	insurance	insurance	NOUN
fsr-3412	74	23	holdings	holding	NOUN
fsr-3412	74	24	.	.	PUNCT
fsr-3412	75	1	baek	baek	NOUN
fsr-3412	75	2	and	and	CCONJ
fsr-3412	75	3	devaney	devaney	PROPN
fsr-3412	75	4	(	(	PUNCT
fsr-3412	75	5	2005	2005	NUM
fsr-3412	75	6	)	)	PUNCT
fsr-3412	75	7	developed	develop	VERB
fsr-3412	75	8	a	a	DET
fsr-3412	75	9	model	model	NOUN
fsr-3412	75	10	of	of	ADP
fsr-3412	75	11	term	term	NOUN
fsr-3412	75	12	and	and	CCONJ
fsr-3412	75	13	whole	whole	ADJ
fsr-3412	75	14	life	life	NOUN
fsr-3412	75	15	insurance	insurance	NOUN
fsr-3412	75	16	ownership	ownership	NOUN
fsr-3412	75	17	and	and	CCONJ
fsr-3412	75	18	amount	amount	NOUN
fsr-3412	75	19	of	of	ADP
fsr-3412	75	20	coverage	coverage	NOUN
fsr-3412	75	21	,	,	PUNCT
fsr-3412	75	22	and	and	CCONJ
fsr-3412	75	23	tested	test	VERB
fsr-3412	75	24	the	the	DET
fsr-3412	75	25	effects	effect	NOUN
fsr-3412	75	26	of	of	ADP
fsr-3412	75	27	human	human	ADJ
fsr-3412	75	28	capital	capital	NOUN
fsr-3412	75	29	,	,	PUNCT
fsr-3412	75	30	bequest	bequest	NOUN
fsr-3412	75	31	motives	motive	NOUN
fsr-3412	75	32	,	,	PUNCT
fsr-3412	75	33	and	and	CCONJ
fsr-3412	75	34	risk	risk	NOUN
fsr-3412	75	35	variables	variable	NOUN
fsr-3412	75	36	,	,	PUNCT
fsr-3412	75	37	as	as	ADV
fsr-3412	75	38	well	well	ADV
fsr-3412	75	39	as	as	ADP
fsr-3412	75	40	other	other	ADJ
fsr-3412	75	41	household	household	NOUN
fsr-3412	75	42	characteristics	characteristic	NOUN
fsr-3412	75	43	.	.	PUNCT
fsr-3412	76	1	they	they	PRON
fsr-3412	76	2	found	find	VERB
fsr-3412	76	3	that	that	SCONJ
fsr-3412	76	4	ownership	ownership	NOUN
fsr-3412	76	5	of	of	ADP
fsr-3412	76	6	term	term	NOUN
fsr-3412	76	7	life	life	NOUN
fsr-3412	76	8	insurance	insurance	NOUN
fsr-3412	76	9	decreased	decrease	VERB
fsr-3412	76	10	with	with	ADP
fsr-3412	76	11	age	age	NOUN
fsr-3412	76	12	,	,	PUNCT
fsr-3412	76	13	was	be	AUX
fsr-3412	76	14	higher	high	ADJ
fsr-3412	76	15	for	for	ADP
fsr-3412	76	16	middle	middle	ADJ
fsr-3412	76	17	income	income	NOUN
fsr-3412	76	18	households	household	NOUN
fsr-3412	76	19	than	than	ADP
fsr-3412	76	20	for	for	ADP
fsr-3412	76	21	low	low	ADJ
fsr-3412	76	22	income	income	NOUN
fsr-3412	76	23	households	household	NOUN
fsr-3412	76	24	,	,	PUNCT
fsr-3412	76	25	and	and	CCONJ
fsr-3412	76	26	higher	high	ADJ
fsr-3412	76	27	for	for	ADP
fsr-3412	76	28	homeowners	homeowner	NOUN
fsr-3412	76	29	than	than	ADP
fsr-3412	76	30	for	for	ADP
fsr-3412	76	31	renters	renter	NOUN
fsr-3412	76	32	,	,	PUNCT
fsr-3412	76	33	but	but	CCONJ
fsr-3412	76	34	education	education	NOUN
fsr-3412	76	35	was	be	AUX
fsr-3412	76	36	not	not	PART
fsr-3412	76	37	significantly	significantly	ADV
fsr-3412	76	38	related	relate	VERB
fsr-3412	76	39	to	to	ADP
fsr-3412	76	40	term	term	NOUN
fsr-3412	76	41	life	life	NOUN
fsr-3412	76	42	insurance	insurance	NOUN
fsr-3412	76	43	ownership	ownership	NOUN
fsr-3412	76	44	.	.	PUNCT
fsr-3412	77	1	they	they	PRON
fsr-3412	77	2	also	also	ADV
fsr-3412	77	3	found	find	VERB
fsr-3412	77	4	that	that	SCONJ
fsr-3412	77	5	ownership	ownership	NOUN
fsr-3412	77	6	of	of	ADP
fsr-3412	77	7	cash	cash	NOUN
fsr-3412	77	8	value	value	NOUN
fsr-3412	77	9	life	life	NOUN
fsr-3412	77	10	insurance	insurance	NOUN
fsr-3412	77	11	was	be	AUX
fsr-3412	77	12	highest	high	ADJ
fsr-3412	77	13	for	for	ADP
fsr-3412	77	14	those	those	PRON
fsr-3412	77	15	over	over	ADP
fsr-3412	77	16	the	the	DET
fsr-3412	77	17	age	age	NOUN
fsr-3412	77	18	of	of	ADP
fsr-3412	77	19	65	65	NUM
fsr-3412	77	20	,	,	PUNCT
fsr-3412	77	21	and	and	CCONJ
fsr-3412	77	22	there	there	PRON
fsr-3412	77	23	was	be	VERB
fsr-3412	77	24	also	also	ADV
fsr-3412	77	25	a	a	DET
fsr-3412	77	26	positive	positive	ADJ
fsr-3412	77	27	relationship	relationship	NOUN
fsr-3412	77	28	with	with	ADP
fsr-3412	77	29	age	age	NOUN
fsr-3412	77	30	controlling	control	VERB
fsr-3412	77	31	for	for	ADP
fsr-3412	77	32	other	other	ADJ
fsr-3412	77	33	characteristics	characteristic	NOUN
fsr-3412	77	34	including	include	VERB
fsr-3412	77	35	life	life	NOUN
fsr-3412	77	36	expectancy	expectancy	NOUN
fsr-3412	77	37	.	.	PUNCT
fsr-3412	78	1	cash	cash	NOUN
fsr-3412	78	2	value	value	NOUN
fsr-3412	78	3	life	life	NOUN
fsr-3412	78	4	insurance	insurance	NOUN
fsr-3412	78	5	ownership	ownership	NOUN
fsr-3412	78	6	was	be	AUX
fsr-3412	78	7	also	also	ADV
fsr-3412	78	8	negatively	negatively	ADV
fsr-3412	78	9	related	relate	VERB
fsr-3412	78	10	to	to	ADP
fsr-3412	78	11	having	have	VERB
fsr-3412	78	12	excellent	excellent	ADJ
fsr-3412	78	13	health	health	NOUN
fsr-3412	78	14	,	,	PUNCT
fsr-3412	78	15	positively	positively	ADV
fsr-3412	78	16	related	relate	VERB
fsr-3412	78	17	to	to	ADP
fsr-3412	78	18	the	the	DET
fsr-3412	78	19	level	level	NOUN
fsr-3412	78	20	of	of	ADP
fsr-3412	78	21	liquid	liquid	ADJ
fsr-3412	78	22	assets	asset	NOUN
fsr-3412	78	23	,	,	PUNCT
fsr-3412	78	24	and	and	CCONJ
fsr-3412	78	25	those	those	PRON
fsr-3412	78	26	in	in	ADP
fsr-3412	78	27	the	the	DET
fsr-3412	78	28	highest	high	ADJ
fsr-3412	78	29	income	income	NOUN
fsr-3412	78	30	tax	tax	NOUN
fsr-3412	78	31	bracket	bracket	NOUN
fsr-3412	78	32	were	be	AUX
fsr-3412	78	33	more	more	ADV
fsr-3412	78	34	likely	likely	ADJ
fsr-3412	78	35	to	to	PART
fsr-3412	78	36	own	own	VERB
fsr-3412	78	37	than	than	ADP
fsr-3412	78	38	those	those	PRON
fsr-3412	78	39	in	in	ADP
fsr-3412	78	40	the	the	DET
fsr-3412	78	41	lowest	low	ADJ
fsr-3412	78	42	bracket	bracket	NOUN
fsr-3412	78	43	.	.	PUNCT
fsr-3412	79	1	ownership	ownership	NOUN
fsr-3412	79	2	was	be	AUX
fsr-3412	79	3	not	not	PART
fsr-3412	79	4	significantly	significantly	ADV
fsr-3412	79	5	related	relate	VERB
fsr-3412	79	6	to	to	ADP
fsr-3412	79	7	attitudes	attitude	NOUN
fsr-3412	79	8	about	about	ADP
fsr-3412	79	9	leaving	leave	VERB
fsr-3412	79	10	a	a	DET
fsr-3412	79	11	bequest	bequest	NOUN
fsr-3412	79	12	.	.	PUNCT
fsr-3412	80	1	using	use	VERB
fsr-3412	80	2	finke	finke	PROPN
fsr-3412	80	3	et	et	PROPN
fsr-3412	80	4	al	al	PROPN
fsr-3412	80	5	.	.	PROPN
fsr-3412	81	1	(	(	PUNCT
fsr-3412	81	2	2009	2009	NUM
fsr-3412	81	3	)	)	PUNCT
fsr-3412	81	4	as	as	ADP
fsr-3412	81	5	framework	framework	NOUN
fsr-3412	81	6	,	,	PUNCT
fsr-3412	81	7	scott	scott	PROPN
fsr-3412	81	8	and	and	CCONJ
fsr-3412	81	9	gilliam	gilliam	PROPN
fsr-3412	81	10	(	(	PUNCT
fsr-3412	81	11	2014	2014	NUM
fsr-3412	81	12	)	)	PUNCT
fsr-3412	81	13	focused	focus	VERB
fsr-3412	81	14	on	on	ADP
fsr-3412	81	15	baby	baby	NOUN
fsr-3412	81	16	boomer	boomer	PROPN
fsr-3412	81	17	life	life	PROPN
fsr-3412	81	18	insurance	insurance	NOUN
fsr-3412	81	19	adequacy	adequacy	NOUN
fsr-3412	81	20	before	before	ADP
fsr-3412	81	21	and	and	CCONJ
fsr-3412	81	22	after	after	ADP
fsr-3412	81	23	the	the	DET
fsr-3412	81	24	2008	2008	NUM
fsr-3412	81	25	financial	financial	ADJ
fsr-3412	81	26	crisis	crisis	NOUN
fsr-3412	81	27	.	.	PUNCT
fsr-3412	82	1	the	the	DET
fsr-3412	82	2	authors	author	NOUN
fsr-3412	82	3	used	use	VERB
fsr-3412	82	4	2004	2004	NUM
fsr-3412	82	5	and	and	CCONJ
fsr-3412	82	6	2010	2010	NUM
fsr-3412	82	7	scf	scf	PROPN
fsr-3412	82	8	datasets	dataset	NOUN
fsr-3412	82	9	to	to	PART
fsr-3412	82	10	represent	represent	VERB
fsr-3412	82	11	before	before	ADV
fsr-3412	82	12	and	and	CCONJ
fsr-3412	82	13	after	after	ADP
fsr-3412	82	14	the	the	DET
fsr-3412	82	15	2008	2008	NUM
fsr-3412	82	16	financial	financial	ADJ
fsr-3412	82	17	crisis	crisis	NOUN
fsr-3412	82	18	.	.	PUNCT
fsr-3412	83	1	they	they	PRON
fsr-3412	83	2	found	find	VERB
fsr-3412	83	3	that	that	SCONJ
fsr-3412	83	4	the	the	DET
fsr-3412	83	5	use	use	NOUN
fsr-3412	83	6	of	of	ADP
fsr-3412	83	7	a	a	DET
fsr-3412	83	8	financial	financial	ADJ
fsr-3412	83	9	planner	planner	NOUN
fsr-3412	83	10	was	be	AUX
fsr-3412	83	11	higher	high	ADJ
fsr-3412	83	12	among	among	ADP
fsr-3412	83	13	household	household	NOUN
fsr-3412	83	14	with	with	ADP
fsr-3412	83	15	adequate	adequate	ADJ
fsr-3412	83	16	life	life	NOUN
fsr-3412	83	17	insurance	insurance	NOUN
fsr-3412	83	18	.	.	PUNCT
fsr-3412	84	1	in	in	ADP
fsr-3412	84	2	addition	addition	NOUN
fsr-3412	84	3	,	,	PUNCT
fsr-3412	84	4	having	have	VERB
fsr-3412	84	5	a	a	DET
fsr-3412	84	6	financial	financial	ADJ
fsr-3412	84	7	planner	planner	NOUN
fsr-3412	84	8	acted	act	VERB
fsr-3412	84	9	as	as	ADP
fsr-3412	84	10	a	a	DET
fsr-3412	84	11	positive	positive	ADJ
fsr-3412	84	12	predictor	predictor	NOUN
fsr-3412	84	13	of	of	ADP
fsr-3412	84	14	life	life	NOUN
fsr-3412	84	15	insurance	insurance	NOUN
fsr-3412	84	16	adequacy	adequacy	NOUN
fsr-3412	84	17	in	in	ADP
fsr-3412	84	18	2004	2004	NUM
fsr-3412	84	19	,	,	PUNCT
fsr-3412	84	20	while	while	SCONJ
fsr-3412	84	21	it	it	PRON
fsr-3412	84	22	had	have	VERB
fsr-3412	84	23	no	no	DET
fsr-3412	84	24	impact	impact	NOUN
fsr-3412	84	25	on	on	ADP
fsr-3412	84	26	life	life	NOUN
fsr-3412	84	27	insurance	insurance	NOUN
fsr-3412	84	28	adequacy	adequacy	NOUN
fsr-3412	84	29	in	in	ADP
fsr-3412	84	30	2010	2010	NUM
fsr-3412	84	31	,	,	PUNCT
fsr-3412	84	32	after	after	ADP
fsr-3412	84	33	the	the	DET
fsr-3412	84	34	2008	2008	NUM
fsr-3412	84	35	financial	financial	ADJ
fsr-3412	84	36	crisis	crisis	NOUN
fsr-3412	84	37	.	.	PUNCT
fsr-3412	85	1	mountain	mountain	NOUN
fsr-3412	85	2	(	(	PUNCT
fsr-3412	85	3	2015	2015	NUM
fsr-3412	85	4	)	)	PUNCT
fsr-3412	85	5	found	find	VERB
fsr-3412	85	6	that	that	SCONJ
fsr-3412	85	7	households	household	NOUN
fsr-3412	85	8	who	who	PRON
fsr-3412	85	9	consulted	consult	VERB
fsr-3412	85	10	a	a	DET
fsr-3412	85	11	financial	financial	ADJ
fsr-3412	85	12	planner	planner	NOUN
fsr-3412	85	13	or	or	CCONJ
fsr-3412	85	14	broker	broker	NOUN
fsr-3412	85	15	were	be	AUX
fsr-3412	85	16	more	more	ADV
fsr-3412	85	17	likely	likely	ADJ
fsr-3412	85	18	to	to	PART
fsr-3412	85	19	own	own	VERB
fsr-3412	85	20	life	life	NOUN
fsr-3412	85	21	insurance	insurance	NOUN
fsr-3412	85	22	and	and	CCONJ
fsr-3412	85	23	also	also	ADV
fsr-3412	85	24	,	,	PUNCT
fsr-3412	85	25	given	give	VERB
fsr-3412	85	26	ownership	ownership	NOUN
fsr-3412	85	27	,	,	PUNCT
fsr-3412	85	28	to	to	PART
fsr-3412	85	29	have	have	VERB
fsr-3412	85	30	higher	high	ADJ
fsr-3412	85	31	face	face	NOUN
fsr-3412	85	32	value	value	NOUN
fsr-3412	85	33	4	4	NUM
fsr-3412	85	34	k.	k.	NOUN
fsr-3412	85	35	tae	tae	PROPN
fsr-3412	86	1	kim	kim	PROPN
fsr-3412	86	2	et	et	PROPN
fsr-3412	86	3	al	al	PROPN
fsr-3412	86	4	.	.	PUNCT
fsr-3412	86	5	/	/	SYM
fsr-3412	86	6	financial	financial	ADJ
fsr-3412	86	7	services	service	NOUN
fsr-3412	86	8	review	review	VERB
fsr-3412	86	9	28	28	NUM
fsr-3412	86	10	(	(	PUNCT
fsr-3412	86	11	2020	2020	NUM
fsr-3412	86	12	)	)	PUNCT
fsr-3412	86	13	1	1	NUM
fsr-3412	86	14	-	-	SYM
fsr-3412	86	15	16	16	NUM
fsr-3412	86	16	amounts	amount	NOUN
fsr-3412	86	17	,	,	PUNCT
fsr-3412	86	18	however	however	ADV
fsr-3412	86	19	,	,	PUNCT
fsr-3412	86	20	he	he	PRON
fsr-3412	86	21	did	do	AUX
fsr-3412	86	22	not	not	PART
fsr-3412	86	23	find	find	VERB
fsr-3412	86	24	the	the	DET
fsr-3412	86	25	financial	financial	ADJ
fsr-3412	86	26	planner	planner	NOUN
fsr-3412	86	27	or	or	CCONJ
fsr-3412	86	28	broker	broker	NOUN
fsr-3412	86	29	variable	variable	NOUN
fsr-3412	86	30	to	to	PART
fsr-3412	86	31	be	be	AUX
fsr-3412	86	32	significant	significant	ADJ
fsr-3412	86	33	when	when	SCONJ
fsr-3412	86	34	exploring	explore	VERB
fsr-3412	86	35	the	the	DET
fsr-3412	86	36	proportion	proportion	NOUN
fsr-3412	86	37	of	of	ADP
fsr-3412	86	38	insurable	insurable	ADJ
fsr-3412	86	39	human	human	ADJ
fsr-3412	86	40	wealth	wealth	NOUN
fsr-3412	86	41	that	that	PRON
fsr-3412	86	42	was	be	AUX
fsr-3412	86	43	insured	insure	VERB
fsr-3412	86	44	by	by	ADP
fsr-3412	86	45	life	life	NOUN
fsr-3412	86	46	insurance	insurance	NOUN
fsr-3412	86	47	.	.	PUNCT
fsr-3412	87	1	2.3	2.3	NUM
fsr-3412	87	2	.	.	PUNCT
fsr-3412	87	3	overview	overview	NOUN
fsr-3412	87	4	of	of	ADP
fsr-3412	87	5	past	past	ADJ
fsr-3412	87	6	research	research	NOUN
fsr-3412	87	7	on	on	ADP
fsr-3412	87	8	life	life	NOUN
fsr-3412	87	9	insurance	insurance	NOUN
fsr-3412	87	10	we	we	PRON
fsr-3412	87	11	reviewed	review	VERB
fsr-3412	87	12	selected	select	VERB
fsr-3412	87	13	research	research	NOUN
fsr-3412	87	14	on	on	ADP
fsr-3412	87	15	factors	factor	NOUN
fsr-3412	87	16	related	relate	VERB
fsr-3412	87	17	to	to	ADP
fsr-3412	87	18	life	life	NOUN
fsr-3412	87	19	insurance	insurance	NOUN
fsr-3412	87	20	ownership	ownership	NOUN
fsr-3412	87	21	and	and	CCONJ
fsr-3412	87	22	adequacy	adequacy	NOUN
fsr-3412	87	23	.	.	PUNCT
fsr-3412	88	1	while	while	SCONJ
fsr-3412	88	2	previous	previous	ADJ
fsr-3412	88	3	researchers	researcher	NOUN
fsr-3412	88	4	have	have	AUX
fsr-3412	88	5	found	find	VERB
fsr-3412	88	6	a	a	DET
fsr-3412	88	7	number	number	NOUN
fsr-3412	88	8	of	of	ADP
fsr-3412	88	9	household	household	NOUN
fsr-3412	88	10	characteristics	characteristic	NOUN
fsr-3412	88	11	to	to	PART
fsr-3412	88	12	be	be	AUX
fsr-3412	88	13	related	relate	VERB
fsr-3412	88	14	to	to	ADP
fsr-3412	88	15	life	life	NOUN
fsr-3412	88	16	insurance	insurance	NOUN
fsr-3412	88	17	ownership	ownership	NOUN
fsr-3412	88	18	,	,	PUNCT
fsr-3412	88	19	none	none	NOUN
fsr-3412	88	20	of	of	ADP
fsr-3412	88	21	the	the	DET
fsr-3412	88	22	studies	study	NOUN
fsr-3412	88	23	have	have	AUX
fsr-3412	88	24	had	have	VERB
fsr-3412	88	25	a	a	DET
fsr-3412	88	26	focus	focus	NOUN
fsr-3412	88	27	on	on	ADP
fsr-3412	88	28	identification	identification	NOUN
fsr-3412	88	29	of	of	ADP
fsr-3412	88	30	factors	factor	NOUN
fsr-3412	88	31	related	relate	VERB
fsr-3412	88	32	to	to	ADP
fsr-3412	88	33	changes	change	NOUN
fsr-3412	88	34	in	in	ADP
fsr-3412	88	35	life	life	NOUN
fsr-3412	88	36	insurance	insurance	NOUN
fsr-3412	88	37	ownership	ownership	NOUN
fsr-3412	88	38	over	over	ADP
fsr-3412	88	39	many	many	ADJ
fsr-3412	88	40	years	year	NOUN
fsr-3412	88	41	.	.	PUNCT
fsr-3412	89	1	we	we	PRON
fsr-3412	89	2	estimated	estimate	VERB
fsr-3412	89	3	models	model	NOUN
fsr-3412	89	4	of	of	ADP
fsr-3412	89	5	life	life	NOUN
fsr-3412	89	6	insurance	insurance	NOUN
fsr-3412	89	7	ownership	ownership	NOUN
fsr-3412	89	8	with	with	ADP
fsr-3412	89	9	a	a	DET
fsr-3412	89	10	combined	combine	VERB
fsr-3412	89	11	dataset	dataset	NOUN
fsr-3412	89	12	of	of	ADP
fsr-3412	89	13	1992	1992	NUM
fsr-3412	89	14	through	through	ADP
fsr-3412	89	15	2016	2016	NUM
fsr-3412	89	16	scf	scf	PROPN
fsr-3412	89	17	datasets	dataset	NOUN
fsr-3412	89	18	;	;	PUNCT
fsr-3412	89	19	thus	thus	ADV
fsr-3412	89	20	,	,	PUNCT
fsr-3412	89	21	using	use	VERB
fsr-3412	89	22	more	more	ADV
fsr-3412	89	23	recent	recent	ADJ
fsr-3412	89	24	data	datum	NOUN
fsr-3412	89	25	than	than	ADP
fsr-3412	89	26	previous	previous	ADJ
fsr-3412	89	27	research	research	NOUN
fsr-3412	89	28	,	,	PUNCT
fsr-3412	89	29	some	some	PRON
fsr-3412	89	30	of	of	ADP
fsr-3412	89	31	which	which	PRON
fsr-3412	89	32	included	include	VERB
fsr-3412	89	33	datasets	dataset	NOUN
fsr-3412	89	34	only	only	ADV
fsr-3412	89	35	through	through	ADP
fsr-3412	89	36	2010	2010	NUM
fsr-3412	89	37	.	.	PUNCT
fsr-3412	90	1	by	by	ADP
fsr-3412	90	2	estimating	estimate	VERB
fsr-3412	90	3	a	a	DET
fsr-3412	90	4	time	time	NOUN
fsr-3412	90	5	trend	trend	NOUN
fsr-3412	90	6	controlling	control	VERB
fsr-3412	90	7	for	for	ADP
fsr-3412	90	8	household	household	NOUN
fsr-3412	90	9	characteristics	characteristic	NOUN
fsr-3412	90	10	,	,	PUNCT
fsr-3412	90	11	we	we	PRON
fsr-3412	90	12	investigated	investigate	VERB
fsr-3412	90	13	the	the	DET
fsr-3412	90	14	question	question	NOUN
fsr-3412	90	15	of	of	ADP
fsr-3412	90	16	whether	whether	SCONJ
fsr-3412	90	17	the	the	DET
fsr-3412	90	18	decrease	decrease	NOUN
fsr-3412	90	19	in	in	ADP
fsr-3412	90	20	life	life	NOUN
fsr-3412	90	21	insurance	insurance	NOUN
fsr-3412	90	22	ownership	ownership	NOUN
fsr-3412	90	23	has	have	AUX
fsr-3412	90	24	been	be	AUX
fsr-3412	90	25	primarily	primarily	ADV
fsr-3412	90	26	because	because	SCONJ
fsr-3412	90	27	of	of	ADP
fsr-3412	90	28	changes	change	NOUN
fsr-3412	90	29	in	in	ADP
fsr-3412	90	30	household	household	NOUN
fsr-3412	90	31	characteristics	characteristic	NOUN
fsr-3412	90	32	,	,	PUNCT
fsr-3412	90	33	or	or	CCONJ
fsr-3412	90	34	to	to	ADP
fsr-3412	90	35	some	some	DET
fsr-3412	90	36	other	other	ADJ
fsr-3412	90	37	factors	factor	NOUN
fsr-3412	90	38	,	,	PUNCT
fsr-3412	90	39	such	such	ADJ
fsr-3412	90	40	as	as	ADP
fsr-3412	90	41	the	the	DET
fsr-3412	90	42	increasing	increase	VERB
fsr-3412	90	43	availability	availability	NOUN
fsr-3412	90	44	of	of	ADP
fsr-3412	90	45	alternative	alternative	ADJ
fsr-3412	90	46	tax	tax	NOUN
fsr-3412	90	47	advantaged	advantaged	ADJ
fsr-3412	90	48	investment	investment	NOUN
fsr-3412	90	49	options	option	NOUN
fsr-3412	90	50	such	such	ADJ
fsr-3412	90	51	as	as	ADP
fsr-3412	90	52	401k	401k	NOUN
fsr-3412	90	53	accounts	account	NOUN
fsr-3412	90	54	(	(	PUNCT
fsr-3412	90	55	mulholland	mulholland	NOUN
fsr-3412	90	56	et	et	PROPN
fsr-3412	90	57	al	al	PROPN
fsr-3412	90	58	.	.	PROPN
fsr-3412	90	59	,	,	PUNCT
fsr-3412	90	60	2016	2016	NUM
fsr-3412	90	61	)	)	PUNCT
fsr-3412	90	62	.	.	PUNCT
fsr-3412	91	1	3	3	X
fsr-3412	91	2	.	.	X
fsr-3412	91	3	methods	method	NOUN
fsr-3412	91	4	3.1	3.1	NUM
fsr-3412	91	5	.	.	PUNCT
fsr-3412	92	1	data	datum	NOUN
fsr-3412	92	2	and	and	CCONJ
fsr-3412	92	3	sample	sample	NOUN
fsr-3412	92	4	selection	selection	NOUN
fsr-3412	92	5	we	we	PRON
fsr-3412	92	6	used	use	VERB
fsr-3412	92	7	a	a	DET
fsr-3412	92	8	pooled	pool	VERB
fsr-3412	92	9	dataset	dataset	NOUN
fsr-3412	92	10	from	from	ADP
fsr-3412	92	11	nine	nine	NUM
fsr-3412	92	12	waves	wave	NOUN
fsr-3412	92	13	of	of	ADP
fsr-3412	92	14	the	the	DET
fsr-3412	92	15	survey	survey	NOUN
fsr-3412	92	16	of	of	ADP
fsr-3412	92	17	consumer	consumer	NOUN
fsr-3412	92	18	finances	finance	NOUN
fsr-3412	92	19	(	(	PUNCT
fsr-3412	92	20	scf	scf	PROPN
fsr-3412	92	21	)	)	PUNCT
fsr-3412	92	22	,	,	PUNCT
fsr-3412	92	23	from	from	ADP
fsr-3412	92	24	1992	1992	NUM
fsr-3412	92	25	to	to	ADP
fsr-3412	92	26	2016	2016	NUM
fsr-3412	92	27	.	.	PUNCT
fsr-3412	93	1	the	the	DET
fsr-3412	93	2	federal	federal	PROPN
fsr-3412	93	3	reserve	reserve	PROPN
fsr-3412	93	4	board	board	PROPN
fsr-3412	93	5	(	(	PUNCT
fsr-3412	93	6	frb	frb	PROPN
fsr-3412	93	7	)	)	PUNCT
fsr-3412	93	8	has	have	AUX
fsr-3412	93	9	released	release	VERB
fsr-3412	93	10	the	the	DET
fsr-3412	93	11	scf	scf	PROPN
fsr-3412	93	12	cross	cross	ADJ
fsr-3412	93	13	-	-	ADJ
fsr-3412	93	14	sectional	sectional	ADJ
fsr-3412	93	15	dataset	dataset	NOUN
fsr-3412	93	16	triennially	triennially	ADV
fsr-3412	93	17	since	since	SCONJ
fsr-3412	93	18	1983	1983	NUM
fsr-3412	93	19	.	.	PUNCT
fsr-3412	94	1	hanna	hanna	PROPN
fsr-3412	94	2	,	,	PUNCT
fsr-3412	94	3	kim	kim	PROPN
fsr-3412	94	4	,	,	PUNCT
fsr-3412	94	5	and	and	CCONJ
fsr-3412	94	6	lindamood	lindamood	NOUN
fsr-3412	94	7	(	(	PUNCT
fsr-3412	94	8	2018	2018	NUM
fsr-3412	94	9	)	)	PUNCT
fsr-3412	94	10	provide	provide	VERB
fsr-3412	94	11	detailed	detailed	ADJ
fsr-3412	94	12	information	information	NOUN
fsr-3412	94	13	about	about	ADP
fsr-3412	94	14	using	use	VERB
fsr-3412	94	15	scf	scf	PROPN
fsr-3412	94	16	datasets	dataset	NOUN
fsr-3412	94	17	.	.	PUNCT
fsr-3412	95	1	for	for	ADP
fsr-3412	95	2	more	more	ADJ
fsr-3412	95	3	information	information	NOUN
fsr-3412	95	4	about	about	ADP
fsr-3412	95	5	specific	specific	ADJ
fsr-3412	95	6	variables	variable	NOUN
fsr-3412	95	7	,	,	PUNCT
fsr-3412	95	8	see	see	VERB
fsr-3412	95	9	board	board	NOUN
fsr-3412	95	10	of	of	ADP
fsr-3412	95	11	governors	governor	NOUN
fsr-3412	95	12	of	of	ADP
fsr-3412	95	13	the	the	DET
fsr-3412	95	14	federal	federal	PROPN
fsr-3412	95	15	reserve	reserve	PROPN
fsr-3412	95	16	system	system	NOUN
fsr-3412	95	17	(	(	PUNCT
fsr-3412	95	18	2014	2014	NUM
fsr-3412	95	19	,	,	PUNCT
fsr-3412	95	20	2017	2017	NUM
fsr-3412	95	21	)	)	PUNCT
fsr-3412	95	22	.	.	PUNCT
fsr-3412	96	1	the	the	DET
fsr-3412	96	2	total	total	ADJ
fsr-3412	96	3	sample	sample	NOUN
fsr-3412	96	4	size	size	NOUN
fsr-3412	96	5	of	of	ADP
fsr-3412	96	6	the	the	DET
fsr-3412	96	7	pooled	pool	VERB
fsr-3412	96	8	dataset	dataset	NOUN
fsr-3412	96	9	is	be	AUX
fsr-3412	96	10	44,634	44,634	NUM
fsr-3412	96	11	.	.	PUNCT
fsr-3412	97	1	there	there	PRON
fsr-3412	97	2	were	be	VERB
fsr-3412	97	3	883	883	NUM
fsr-3412	97	4	cases	case	NOUN
fsr-3412	97	5	where	where	SCONJ
fsr-3412	97	6	life	life	NOUN
fsr-3412	97	7	insurance	insurance	NOUN
fsr-3412	97	8	ownership	ownership	NOUN
fsr-3412	97	9	was	be	AUX
fsr-3412	97	10	missing	miss	VERB
fsr-3412	97	11	(	(	PUNCT
fsr-3412	97	12	shadow	shadow	NOUN
fsr-3412	97	13	variables	variable	NOUN
fsr-3412	97	14	with	with	ADP
fsr-3412	97	15	values	value	NOUN
fsr-3412	97	16	over	over	ADP
fsr-3412	97	17	90	90	NUM
fsr-3412	97	18	,	,	PUNCT
fsr-3412	97	19	see	see	VERB
fsr-3412	97	20	hanna	hanna	PROPN
fsr-3412	97	21	et	et	PROPN
fsr-3412	97	22	al	al	PROPN
fsr-3412	97	23	.	.	PROPN
fsr-3412	97	24	,	,	PUNCT
fsr-3412	97	25	2018	2018	NUM
fsr-3412	97	26	)	)	PUNCT
fsr-3412	97	27	,	,	PUNCT
fsr-3412	97	28	and	and	CCONJ
fsr-3412	97	29	those	those	DET
fsr-3412	97	30	cases	case	NOUN
fsr-3412	97	31	were	be	AUX
fsr-3412	97	32	excluded	exclude	VERB
fsr-3412	97	33	from	from	ADP
fsr-3412	97	34	our	our	PRON
fsr-3412	97	35	analyses	analysis	NOUN
fsr-3412	97	36	.	.	PUNCT
fsr-3412	98	1	the	the	DET
fsr-3412	98	2	final	final	ADJ
fsr-3412	98	3	analytic	analytic	ADJ
fsr-3412	98	4	sample	sample	NOUN
fsr-3412	98	5	was	be	AUX
fsr-3412	98	6	43,751	43,751	NUM
fsr-3412	98	7	.	.	PUNCT
fsr-3412	99	1	3.2	3.2	NUM
fsr-3412	99	2	.	.	PUNCT
fsr-3412	99	3	measurement	measurement	NOUN
fsr-3412	99	4	of	of	ADP
fsr-3412	99	5	variables	variable	NOUN
fsr-3412	99	6	3.2.1	3.2.1	NUM
fsr-3412	99	7	.	.	PUNCT
fsr-3412	100	1	dependent	dependent	ADJ
fsr-3412	100	2	variable	variable	NOUN
fsr-3412	100	3	the	the	DET
fsr-3412	100	4	scf	scf	PROPN
fsr-3412	100	5	has	have	VERB
fsr-3412	100	6	life	life	NOUN
fsr-3412	100	7	insurance	insurance	NOUN
fsr-3412	100	8	ownership	ownership	NOUN
fsr-3412	100	9	variables	variable	NOUN
fsr-3412	100	10	for	for	ADP
fsr-3412	100	11	both	both	PRON
fsr-3412	100	12	term	term	NOUN
fsr-3412	100	13	life	life	NOUN
fsr-3412	100	14	insurance	insurance	NOUN
fsr-3412	100	15	and	and	CCONJ
fsr-3412	100	16	cash	cash	NOUN
fsr-3412	100	17	value	value	NOUN
fsr-3412	100	18	life	life	NOUN
fsr-3412	100	19	insurance	insurance	NOUN
fsr-3412	100	20	.	.	PUNCT
fsr-3412	101	1	for	for	ADP
fsr-3412	101	2	our	our	PRON
fsr-3412	101	3	empirical	empirical	ADJ
fsr-3412	101	4	analysis	analysis	NOUN
fsr-3412	101	5	as	as	ADV
fsr-3412	101	6	well	well	ADV
fsr-3412	101	7	as	as	ADP
fsr-3412	101	8	the	the	DET
fsr-3412	101	9	life	life	NOUN
fsr-3412	101	10	insurance	insurance	NOUN
fsr-3412	101	11	ownership	ownership	NOUN
fsr-3412	101	12	trend	trend	NOUN
fsr-3412	101	13	,	,	PUNCT
fsr-3412	101	14	we	we	PRON
fsr-3412	101	15	use	use	VERB
fsr-3412	101	16	three	three	NUM
fsr-3412	101	17	separate	separate	ADJ
fsr-3412	101	18	binary	binary	ADJ
fsr-3412	101	19	dependent	dependent	ADJ
fsr-3412	101	20	variables	variable	NOUN
fsr-3412	101	21	:	:	PUNCT
fsr-3412	101	22	whether	whether	SCONJ
fsr-3412	101	23	the	the	DET
fsr-3412	101	24	respondent	respondent	NOUN
fsr-3412	101	25	or	or	CCONJ
fsr-3412	101	26	any	any	DET
fsr-3412	101	27	family	family	NOUN
fsr-3412	101	28	member	member	NOUN
fsr-3412	101	29	has	have	VERB
fsr-3412	101	30	,	,	PUNCT
fsr-3412	101	31	term	term	NOUN
fsr-3412	101	32	,	,	PUNCT
fsr-3412	101	33	cash	cash	NOUN
fsr-3412	101	34	value	value	NOUN
fsr-3412	101	35	,	,	PUNCT
fsr-3412	101	36	or	or	CCONJ
fsr-3412	101	37	any	any	DET
fsr-3412	101	38	life	life	NOUN
fsr-3412	101	39	insurance	insurance	NOUN
fsr-3412	101	40	policy	policy	NOUN
fsr-3412	101	41	(	(	PUNCT
fsr-3412	101	42	i.e.	i.e.	X
fsr-3412	101	43	,	,	PUNCT
fsr-3412	101	44	term	term	NOUN
fsr-3412	101	45	or	or	CCONJ
fsr-3412	101	46	cash	cash	NOUN
fsr-3412	101	47	value	value	NOUN
fsr-3412	101	48	)	)	PUNCT
fsr-3412	101	49	.	.	PUNCT
fsr-3412	102	1	the	the	DET
fsr-3412	102	2	actual	actual	ADJ
fsr-3412	102	3	questions	question	NOUN
fsr-3412	102	4	are	be	AUX
fsr-3412	102	5	presented	present	VERB
fsr-3412	102	6	in	in	ADP
fsr-3412	102	7	appendix	appendix	NOUN
fsr-3412	102	8	1	1	NUM
fsr-3412	102	9	.	.	PUNCT
fsr-3412	102	10	3.2.2	3.2.2	NUM
fsr-3412	102	11	.	.	PUNCT
fsr-3412	103	1	independent	independent	ADJ
fsr-3412	103	2	variables	variable	NOUN
fsr-3412	103	3	following	follow	VERB
fsr-3412	103	4	the	the	DET
fsr-3412	103	5	existing	exist	VERB
fsr-3412	103	6	literature	literature	NOUN
fsr-3412	103	7	on	on	ADP
fsr-3412	103	8	life	life	NOUN
fsr-3412	103	9	insurance	insurance	NOUN
fsr-3412	103	10	ownership	ownership	NOUN
fsr-3412	103	11	,	,	PUNCT
fsr-3412	103	12	the	the	DET
fsr-3412	103	13	set	set	NOUN
fsr-3412	103	14	of	of	ADP
fsr-3412	103	15	independent	independent	ADJ
fsr-3412	103	16	variables	variable	NOUN
fsr-3412	103	17	included	include	VERB
fsr-3412	103	18	survey	survey	NOUN
fsr-3412	103	19	year	year	NOUN
fsr-3412	103	20	,	,	PUNCT
fsr-3412	103	21	age	age	NOUN
fsr-3412	103	22	of	of	ADP
fsr-3412	103	23	the	the	DET
fsr-3412	103	24	household	household	NOUN
fsr-3412	103	25	head	head	NOUN
fsr-3412	103	26	,	,	PUNCT
fsr-3412	103	27	age	age	NOUN
fsr-3412	103	28	squared	square	VERB
fsr-3412	103	29	,	,	PUNCT
fsr-3412	103	30	marital	marital	ADJ
fsr-3412	103	31	status	status	NOUN
fsr-3412	103	32	(	(	PUNCT
fsr-3412	103	33	married	married	ADJ
fsr-3412	103	34	,	,	PUNCT
fsr-3412	103	35	single	single	ADJ
fsr-3412	103	36	male	male	NOUN
fsr-3412	103	37	,	,	PUNCT
fsr-3412	103	38	single	single	ADJ
fsr-3412	103	39	female	female	NOUN
fsr-3412	103	40	,	,	PUNCT
fsr-3412	103	41	and	and	CCONJ
fsr-3412	103	42	partnered	partner	VERB
fsr-3412	103	43	)	)	PUNCT
fsr-3412	103	44	,	,	PUNCT
fsr-3412	103	45	education	education	NOUN
fsr-3412	103	46	of	of	ADP
fsr-3412	103	47	the	the	DET
fsr-3412	103	48	household	household	NOUN
fsr-3412	103	49	head	head	NOUN
fsr-3412	103	50	(	(	PUNCT
fsr-3412	103	51	less	less	ADJ
fsr-3412	103	52	5k	5k	NUM
fsr-3412	103	53	.	.	PUNCT
fsr-3412	104	1	tae	tae	PROPN
fsr-3412	104	2	kim	kim	PROPN
fsr-3412	104	3	et	et	PROPN
fsr-3412	104	4	al	al	PROPN
fsr-3412	104	5	.	.	PUNCT
fsr-3412	104	6	/	/	SYM
fsr-3412	104	7	financial	financial	ADJ
fsr-3412	104	8	services	service	NOUN
fsr-3412	104	9	review	review	VERB
fsr-3412	104	10	28	28	NUM
fsr-3412	104	11	(	(	PUNCT
fsr-3412	104	12	2020	2020	NUM
fsr-3412	104	13	)	)	PUNCT
fsr-3412	104	14	1	1	NUM
fsr-3412	104	15	-	-	SYM
fsr-3412	104	16	16	16	NUM
fsr-3412	104	17	than	than	ADP
fsr-3412	104	18	high	high	ADJ
fsr-3412	104	19	school	school	NOUN
fsr-3412	104	20	,	,	PUNCT
fsr-3412	104	21	high	high	ADJ
fsr-3412	104	22	school	school	NOUN
fsr-3412	104	23	,	,	PUNCT
fsr-3412	104	24	some	some	DET
fsr-3412	104	25	college	college	NOUN
fsr-3412	104	26	,	,	PUNCT
fsr-3412	104	27	bachelor	bachelor	NOUN
fsr-3412	104	28	degree	degree	NOUN
fsr-3412	104	29	,	,	PUNCT
fsr-3412	104	30	and	and	CCONJ
fsr-3412	104	31	postbachelor	postbachelor	NOUN
fsr-3412	104	32	degree	degree	NOUN
fsr-3412	104	33	)	)	PUNCT
fsr-3412	104	34	,	,	PUNCT
fsr-3412	104	35	race	race	NOUN
fsr-3412	104	36	/	/	SYM
fsr-3412	104	37	ethnicity	ethnicity	NOUN
fsr-3412	104	38	(	(	PUNCT
fsr-3412	104	39	white	white	ADJ
fsr-3412	104	40	,	,	PUNCT
fsr-3412	104	41	black	black	ADJ
fsr-3412	104	42	,	,	PUNCT
fsr-3412	104	43	hispanic	hispanic	ADJ
fsr-3412	104	44	,	,	PUNCT
fsr-3412	104	45	and	and	CCONJ
fsr-3412	104	46	asian	asian	ADJ
fsr-3412	104	47	/	/	SYM
fsr-3412	104	48	others	other	NOUN
fsr-3412	104	49	)	)	PUNCT
fsr-3412	104	50	,	,	PUNCT
fsr-3412	104	51	presence	presence	NOUN
fsr-3412	104	52	of	of	ADP
fsr-3412	104	53	a	a	DET
fsr-3412	104	54	child	child	NOUN
fsr-3412	104	55	under	under	ADP
fsr-3412	104	56	18	18	NUM
fsr-3412	104	57	,	,	PUNCT
fsr-3412	104	58	current	current	ADJ
fsr-3412	104	59	income	income	NOUN
fsr-3412	104	60	compared	compare	VERB
fsr-3412	104	61	with	with	ADP
fsr-3412	104	62	normal	normal	ADJ
fsr-3412	104	63	income	income	NOUN
fsr-3412	104	64	(	(	PUNCT
fsr-3412	104	65	low	low	ADJ
fsr-3412	104	66	,	,	PUNCT
fsr-3412	104	67	normal	normal	ADJ
fsr-3412	104	68	,	,	PUNCT
fsr-3412	104	69	and	and	CCONJ
fsr-3412	104	70	high	high	ADJ
fsr-3412	104	71	)	)	PUNCT
fsr-3412	104	72	,	,	PUNCT
fsr-3412	104	73	log	log	NOUN
fsr-3412	104	74	of	of	ADP
fsr-3412	104	75	household	household	NOUN
fsr-3412	104	76	income	income	NOUN
fsr-3412	104	77	,	,	PUNCT
fsr-3412	104	78	home	home	NOUN
fsr-3412	104	79	ownership	ownership	NOUN
fsr-3412	104	80	,	,	PUNCT
fsr-3412	104	81	employment	employment	NOUN
fsr-3412	104	82	status	status	NOUN
fsr-3412	104	83	of	of	ADP
fsr-3412	104	84	the	the	DET
fsr-3412	104	85	household	household	NOUN
fsr-3412	104	86	head	head	NOUN
fsr-3412	104	87	(	(	PUNCT
fsr-3412	104	88	salary	salary	NOUN
fsr-3412	104	89	worker	worker	NOUN
fsr-3412	104	90	,	,	PUNCT
fsr-3412	104	91	selfemployment	selfemployment	NOUN
fsr-3412	104	92	,	,	PUNCT
fsr-3412	104	93	retired	retire	VERB
fsr-3412	104	94	,	,	PUNCT
fsr-3412	104	95	and	and	CCONJ
fsr-3412	104	96	not	not	PART
fsr-3412	104	97	working	work	VERB
fsr-3412	104	98	)	)	PUNCT
fsr-3412	104	99	and	and	CCONJ
fsr-3412	104	100	health	health	NOUN
fsr-3412	104	101	status	status	NOUN
fsr-3412	104	102	of	of	ADP
fsr-3412	104	103	a	a	DET
fsr-3412	104	104	household	household	NOUN
fsr-3412	104	105	head	head	NOUN
fsr-3412	104	106	(	(	PUNCT
fsr-3412	104	107	excellent	excellent	ADJ
fsr-3412	104	108	,	,	PUNCT
fsr-3412	104	109	good	good	ADJ
fsr-3412	104	110	,	,	PUNCT
fsr-3412	104	111	fair	fair	ADJ
fsr-3412	104	112	,	,	PUNCT
fsr-3412	104	113	and	and	CCONJ
fsr-3412	104	114	poor	poor	ADJ
fsr-3412	104	115	)	)	PUNCT
fsr-3412	104	116	.	.	PUNCT
fsr-3412	105	1	in	in	ADP
fsr-3412	105	2	the	the	DET
fsr-3412	105	3	scf	scf	PROPN
fsr-3412	105	4	,	,	PUNCT
fsr-3412	105	5	race	race	NOUN
fsr-3412	105	6	/	/	SYM
fsr-3412	105	7	ethnicity	ethnicity	NOUN
fsr-3412	105	8	is	be	AUX
fsr-3412	105	9	of	of	ADP
fsr-3412	105	10	the	the	DET
fsr-3412	105	11	respondent	respondent	NOUN
fsr-3412	105	12	(	(	PUNCT
fsr-3412	105	13	lindamood	lindamood	ADJ
fsr-3412	105	14	,	,	PUNCT
fsr-3412	105	15	hanna	hanna	NOUN
fsr-3412	105	16	,	,	PUNCT
fsr-3412	105	17	and	and	CCONJ
fsr-3412	105	18	bi	bi	NOUN
fsr-3412	105	19	,	,	PUNCT
fsr-3412	105	20	2007	2007	NUM
fsr-3412	105	21	)	)	PUNCT
fsr-3412	105	22	,	,	PUNCT
fsr-3412	105	23	but	but	CCONJ
fsr-3412	105	24	for	for	ADP
fsr-3412	105	25	convenience	convenience	NOUN
fsr-3412	105	26	,	,	PUNCT
fsr-3412	105	27	we	we	PRON
fsr-3412	105	28	refer	refer	VERB
fsr-3412	105	29	to	to	ADP
fsr-3412	105	30	the	the	DET
fsr-3412	105	31	race	race	NOUN
fsr-3412	105	32	/	/	SYM
fsr-3412	105	33	ethnicity	ethnicity	NOUN
fsr-3412	105	34	of	of	ADP
fsr-3412	105	35	the	the	DET
fsr-3412	105	36	household	household	NOUN
fsr-3412	105	37	,	,	PUNCT
fsr-3412	105	38	for	for	ADP
fsr-3412	105	39	example	example	NOUN
fsr-3412	105	40	,	,	PUNCT
fsr-3412	105	41	white	white	ADJ
fsr-3412	105	42	households	household	NOUN
fsr-3412	105	43	.	.	PUNCT
fsr-3412	106	1	the	the	DET
fsr-3412	106	2	scf	scf	PROPN
fsr-3412	106	3	has	have	AUX
fsr-3412	106	4	had	have	VERB
fsr-3412	106	5	a	a	DET
fsr-3412	106	6	question	question	NOUN
fsr-3412	106	7	about	about	ADP
fsr-3412	106	8	whether	whether	SCONJ
fsr-3412	106	9	a	a	DET
fsr-3412	106	10	household	household	NOUN
fsr-3412	106	11	reported	report	VERB
fsr-3412	106	12	using	use	VERB
fsr-3412	106	13	a	a	DET
fsr-3412	106	14	financial	financial	ADJ
fsr-3412	106	15	planner	planner	NOUN
fsr-3412	106	16	for	for	ADP
fsr-3412	106	17	information	information	NOUN
fsr-3412	106	18	on	on	ADP
fsr-3412	106	19	(	(	PUNCT
fsr-3412	106	20	1	1	X
fsr-3412	106	21	)	)	PUNCT
fsr-3412	106	22	saving	saving	NOUN
fsr-3412	106	23	and	and	CCONJ
fsr-3412	106	24	investment	investment	NOUN
fsr-3412	106	25	decisions	decision	NOUN
fsr-3412	106	26	and/or	and/or	CCONJ
fsr-3412	106	27	(	(	PUNCT
fsr-3412	106	28	2	2	NUM
fsr-3412	106	29	)	)	PUNCT
fsr-3412	106	30	borrowing	borrowing	NOUN
fsr-3412	106	31	and	and	CCONJ
fsr-3412	106	32	credit	credit	NOUN
fsr-3412	106	33	decisions	decision	NOUN
fsr-3412	106	34	since	since	SCONJ
fsr-3412	106	35	the	the	DET
fsr-3412	106	36	1998	1998	NUM
fsr-3412	106	37	scf	scf	PROPN
fsr-3412	106	38	.	.	PUNCT
fsr-3412	107	1	we	we	PRON
fsr-3412	107	2	used	use	VERB
fsr-3412	107	3	an	an	DET
fsr-3412	107	4	indicator	indicator	NOUN
fsr-3412	107	5	for	for	ADP
fsr-3412	107	6	comprehensive	comprehensive	ADJ
fsr-3412	107	7	financial	financial	ADJ
fsr-3412	107	8	planner	planner	NOUN
fsr-3412	107	9	use	use	NOUN
fsr-3412	107	10	,	,	PUNCT
fsr-3412	107	11	defined	define	VERB
fsr-3412	107	12	as	as	ADP
fsr-3412	107	13	a	a	DET
fsr-3412	107	14	household	household	NOUN
fsr-3412	107	15	using	use	VERB
fsr-3412	107	16	a	a	DET
fsr-3412	107	17	financial	financial	ADJ
fsr-3412	107	18	planner	planner	NOUN
fsr-3412	107	19	for	for	ADP
fsr-3412	107	20	saving	saving	NOUN
fsr-3412	107	21	/	/	SYM
fsr-3412	107	22	investment	investment	NOUN
fsr-3412	107	23	and/or	and/or	CCONJ
fsr-3412	107	24	borrowing/	borrowing/	VERB
fsr-3412	107	25	credit	credit	NOUN
fsr-3412	107	26	issues	issue	NOUN
fsr-3412	107	27	(	(	PUNCT
fsr-3412	107	28	elmerick	elmerick	PROPN
fsr-3412	107	29	,	,	PUNCT
fsr-3412	107	30	montalto	montalto	NOUN
fsr-3412	107	31	,	,	PUNCT
fsr-3412	107	32	and	and	CCONJ
fsr-3412	107	33	fox	fox	PROPN
fsr-3412	107	34	,	,	PUNCT
fsr-3412	107	35	2002	2002	NUM
fsr-3412	107	36	)	)	PUNCT
fsr-3412	107	37	.	.	PUNCT
fsr-3412	108	1	3.2.3	3.2.3	X
fsr-3412	108	2	.	.	X
fsr-3412	108	3	analysis	analysis	NOUN
fsr-3412	108	4	given	give	VERB
fsr-3412	108	5	the	the	DET
fsr-3412	108	6	binary	binary	ADJ
fsr-3412	108	7	dependent	dependent	ADJ
fsr-3412	108	8	variables	variable	NOUN
fsr-3412	108	9	of	of	ADP
fsr-3412	108	10	life	life	NOUN
fsr-3412	108	11	insurance	insurance	NOUN
fsr-3412	108	12	ownership	ownership	NOUN
fsr-3412	108	13	,	,	PUNCT
fsr-3412	108	14	logistic	logistic	ADJ
fsr-3412	108	15	regression	regression	NOUN
fsr-3412	108	16	models	model	NOUN
fsr-3412	108	17	are	be	AUX
fsr-3412	108	18	utilized	utilize	VERB
fsr-3412	108	19	to	to	PART
fsr-3412	108	20	analyze	analyze	VERB
fsr-3412	108	21	factors	factor	NOUN
fsr-3412	108	22	related	relate	VERB
fsr-3412	108	23	to	to	ADP
fsr-3412	108	24	the	the	DET
fsr-3412	108	25	ownership	ownership	NOUN
fsr-3412	108	26	of	of	ADP
fsr-3412	108	27	any	any	DET
fsr-3412	108	28	life	life	NOUN
fsr-3412	108	29	insurance	insurance	NOUN
fsr-3412	108	30	,	,	PUNCT
fsr-3412	108	31	term	term	NOUN
fsr-3412	108	32	life	life	NOUN
fsr-3412	108	33	insurance	insurance	NOUN
fsr-3412	108	34	,	,	PUNCT
fsr-3412	108	35	and	and	CCONJ
fsr-3412	108	36	cash	cash	NOUN
fsr-3412	108	37	value	value	NOUN
fsr-3412	108	38	life	life	NOUN
fsr-3412	108	39	insurance	insurance	NOUN
fsr-3412	108	40	.	.	PUNCT
fsr-3412	109	1	because	because	SCONJ
fsr-3412	109	2	of	of	ADP
fsr-3412	109	3	the	the	DET
fsr-3412	109	4	nature	nature	NOUN
fsr-3412	109	5	of	of	ADP
fsr-3412	109	6	the	the	DET
fsr-3412	109	7	data	datum	NOUN
fsr-3412	109	8	and	and	CCONJ
fsr-3412	109	9	our	our	PRON
fsr-3412	109	10	analysis	analysis	NOUN
fsr-3412	109	11	,	,	PUNCT
fsr-3412	109	12	we	we	PRON
fsr-3412	109	13	are	be	AUX
fsr-3412	109	14	not	not	PART
fsr-3412	109	15	able	able	ADJ
fsr-3412	109	16	to	to	PART
fsr-3412	109	17	attribute	attribute	VERB
fsr-3412	109	18	specific	specific	ADJ
fsr-3412	109	19	causal	causal	ADJ
fsr-3412	109	20	relationships	relationship	NOUN
fsr-3412	109	21	for	for	ADP
fsr-3412	109	22	life	life	NOUN
fsr-3412	109	23	insurance	insurance	NOUN
fsr-3412	109	24	ownership	ownership	NOUN
fsr-3412	109	25	.	.	PUNCT
fsr-3412	110	1	for	for	ADP
fsr-3412	110	2	descriptive	descriptive	ADJ
fsr-3412	110	3	purposes	purpose	NOUN
fsr-3412	110	4	,	,	PUNCT
fsr-3412	110	5	means	mean	VERB
fsr-3412	110	6	tests	test	NOUN
fsr-3412	110	7	are	be	AUX
fsr-3412	110	8	also	also	ADV
fsr-3412	110	9	employed	employ	VERB
fsr-3412	110	10	.	.	PUNCT
fsr-3412	111	1	we	we	PRON
fsr-3412	111	2	used	use	VERB
fsr-3412	111	3	the	the	DET
fsr-3412	111	4	repeated	repeat	VERB
fsr-3412	111	5	-	-	PUNCT
fsr-3412	111	6	imputation	imputation	NOUN
fsr-3412	111	7	inference	inference	NOUN
fsr-3412	111	8	(	(	PUNCT
fsr-3412	111	9	rii	rii	NOUN
fsr-3412	111	10	)	)	PUNCT
fsr-3412	111	11	method	method	NOUN
fsr-3412	111	12	with	with	ADP
fsr-3412	111	13	all	all	PRON
fsr-3412	111	14	of	of	ADP
fsr-3412	111	15	the	the	DET
fsr-3412	111	16	five	five	NUM
fsr-3412	111	17	implicates	implicate	NOUN
fsr-3412	111	18	in	in	ADP
fsr-3412	111	19	each	each	DET
fsr-3412	111	20	scf	scf	PROPN
fsr-3412	111	21	dataset	dataset	NOUN
fsr-3412	111	22	,	,	PUNCT
fsr-3412	111	23	which	which	PRON
fsr-3412	111	24	provides	provide	VERB
fsr-3412	111	25	an	an	DET
fsr-3412	111	26	estimate	estimate	NOUN
fsr-3412	111	27	of	of	ADP
fsr-3412	111	28	variances	variance	NOUN
fsr-3412	111	29	more	more	ADV
fsr-3412	111	30	closely	closely	ADV
fsr-3412	111	31	representing	represent	VERB
fsr-3412	111	32	the	the	DET
fsr-3412	111	33	true	true	ADJ
fsr-3412	111	34	variances	variance	NOUN
fsr-3412	111	35	than	than	ADP
fsr-3412	111	36	estimates	estimate	NOUN
fsr-3412	111	37	obtained	obtain	VERB
fsr-3412	111	38	by	by	ADP
fsr-3412	111	39	only	only	ADV
fsr-3412	111	40	one	one	NUM
fsr-3412	111	41	implicate	implicate	NOUN
fsr-3412	111	42	(	(	PUNCT
fsr-3412	111	43	hanna	hanna	PROPN
fsr-3412	111	44	et	et	PROPN
fsr-3412	111	45	al	al	PROPN
fsr-3412	111	46	.	.	PROPN
fsr-3412	111	47	,	,	PUNCT
fsr-3412	111	48	2018	2018	NUM
fsr-3412	111	49	;	;	PUNCT
fsr-3412	111	50	lindamood	lindamood	NOUN
fsr-3412	111	51	et	et	PROPN
fsr-3412	111	52	al	al	PROPN
fsr-3412	111	53	.	.	PROPN
fsr-3412	111	54	,	,	PUNCT
fsr-3412	111	55	2007	2007	NUM
fsr-3412	111	56	)	)	PUNCT
fsr-3412	111	57	.	.	PUNCT
fsr-3412	112	1	in	in	ADP
fsr-3412	112	2	order	order	NOUN
fsr-3412	112	3	to	to	PART
fsr-3412	112	4	provide	provide	VERB
fsr-3412	112	5	conservative	conservative	ADJ
fsr-3412	112	6	hypothesis	hypothesis	NOUN
fsr-3412	112	7	tests	test	NOUN
fsr-3412	112	8	(	(	PUNCT
fsr-3412	112	9	shin	shin	NOUN
fsr-3412	112	10	and	and	CCONJ
fsr-3412	112	11	hanna	hanna	NOUN
fsr-3412	112	12	,	,	PUNCT
fsr-3412	112	13	2017	2017	NUM
fsr-3412	112	14	)	)	PUNCT
fsr-3412	112	15	,	,	PUNCT
fsr-3412	112	16	we	we	PRON
fsr-3412	112	17	did	do	AUX
fsr-3412	112	18	not	not	PART
fsr-3412	112	19	weight	weight	VERB
fsr-3412	112	20	the	the	DET
fsr-3412	112	21	multivariate	multivariate	NOUN
fsr-3412	112	22	analyses	analysis	NOUN
fsr-3412	112	23	.	.	PUNCT
fsr-3412	113	1	4	4	X
fsr-3412	113	2	.	.	NOUN
fsr-3412	113	3	results	result	VERB
fsr-3412	113	4	4.1	4.1	NUM
fsr-3412	113	5	.	.	PUNCT
fsr-3412	114	1	descriptive	descriptive	ADJ
fsr-3412	114	2	results	result	NOUN
fsr-3412	114	3	fig	fig	NOUN
fsr-3412	114	4	.	.	PUNCT
fsr-3412	115	1	1	1	NUM
fsr-3412	115	2	displays	display	VERB
fsr-3412	115	3	the	the	DET
fsr-3412	115	4	historical	historical	ADJ
fsr-3412	115	5	downward	downward	ADJ
fsr-3412	115	6	trend	trend	NOUN
fsr-3412	115	7	in	in	ADP
fsr-3412	115	8	life	life	NOUN
fsr-3412	115	9	insurance	insurance	NOUN
fsr-3412	115	10	ownership	ownership	NOUN
fsr-3412	115	11	from	from	ADP
fsr-3412	115	12	the	the	DET
fsr-3412	115	13	combined	combine	VERB
fsr-3412	115	14	1992–2016	1992–2016	NUM
fsr-3412	115	15	scf	scf	PROPN
fsr-3412	115	16	datasets	dataset	NOUN
fsr-3412	115	17	.	.	PUNCT
fsr-3412	116	1	the	the	DET
fsr-3412	116	2	proportion	proportion	NOUN
fsr-3412	116	3	of	of	ADP
fsr-3412	116	4	households	household	NOUN
fsr-3412	116	5	owning	own	VERB
fsr-3412	116	6	some	some	DET
fsr-3412	116	7	type	type	NOUN
fsr-3412	116	8	of	of	ADP
fsr-3412	116	9	life	life	NOUN
fsr-3412	116	10	insurance	insurance	NOUN
fsr-3412	116	11	peaked	peak	VERB
fsr-3412	116	12	at	at	ADP
fsr-3412	116	13	72	72	NUM
fsr-3412	116	14	%	%	NOUN
fsr-3412	116	15	in	in	ADP
fsr-3412	116	16	1992	1992	NUM
fsr-3412	116	17	and	and	CCONJ
fsr-3412	116	18	reached	reach	VERB
fsr-3412	116	19	a	a	DET
fsr-3412	116	20	low	low	NOUN
fsr-3412	116	21	of	of	ADP
fsr-3412	116	22	60	60	NUM
fsr-3412	116	23	%	%	NOUN
fsr-3412	116	24	in	in	ADP
fsr-3412	116	25	2013	2013	NUM
fsr-3412	116	26	,	,	PUNCT
fsr-3412	116	27	with	with	ADP
fsr-3412	116	28	the	the	DET
fsr-3412	116	29	2016	2016	NUM
fsr-3412	116	30	rate	rate	NOUN
fsr-3412	116	31	about	about	ADP
fsr-3412	116	32	the	the	DET
fsr-3412	116	33	same	same	ADJ
fsr-3412	116	34	as	as	ADP
fsr-3412	116	35	2013	2013	NUM
fsr-3412	116	36	.	.	PUNCT
fsr-3412	117	1	the	the	DET
fsr-3412	117	2	proportion	proportion	NOUN
fsr-3412	117	3	of	of	ADP
fsr-3412	117	4	households	household	NOUN
fsr-3412	117	5	owning	own	VERB
fsr-3412	117	6	a	a	DET
fsr-3412	117	7	term	term	NOUN
fsr-3412	117	8	life	life	NOUN
fsr-3412	117	9	insurance	insurance	NOUN
fsr-3412	117	10	policy	policy	NOUN
fsr-3412	117	11	had	have	VERB
fsr-3412	117	12	a	a	DET
fsr-3412	117	13	generally	generally	ADV
fsr-3412	117	14	downward	downward	ADJ
fsr-3412	117	15	trend	trend	NOUN
fsr-3412	117	16	,	,	PUNCT
fsr-3412	117	17	starting	start	VERB
fsr-3412	117	18	at	at	ADP
fsr-3412	117	19	54	54	NUM
fsr-3412	117	20	%	%	NOUN
fsr-3412	117	21	in	in	ADP
fsr-3412	117	22	1992	1992	NUM
fsr-3412	117	23	,	,	PUNCT
fsr-3412	117	24	and	and	CCONJ
fsr-3412	117	25	decreasing	decrease	VERB
fsr-3412	117	26	to	to	ADP
fsr-3412	117	27	48	48	NUM
fsr-3412	117	28	%	%	NOUN
fsr-3412	117	29	by	by	ADP
fsr-3412	117	30	2013	2013	NUM
fsr-3412	117	31	,	,	PUNCT
fsr-3412	117	32	and	and	CCONJ
fsr-3412	117	33	the	the	DET
fsr-3412	117	34	rate	rate	NOUN
fsr-3412	117	35	remained	remain	VERB
fsr-3412	117	36	about	about	ADP
fsr-3412	117	37	the	the	DET
fsr-3412	117	38	same	same	ADJ
fsr-3412	117	39	in	in	ADP
fsr-3412	117	40	2016	2016	NUM
fsr-3412	117	41	.	.	PUNCT
fsr-3412	118	1	the	the	DET
fsr-3412	118	2	proportion	proportion	NOUN
fsr-3412	118	3	of	of	ADP
fsr-3412	118	4	households	household	NOUN
fsr-3412	118	5	owning	own	VERB
fsr-3412	118	6	a	a	DET
fsr-3412	118	7	cash	cash	NOUN
fsr-3412	118	8	value	value	NOUN
fsr-3412	118	9	life	life	NOUN
fsr-3412	118	10	insurance	insurance	NOUN
fsr-3412	118	11	policy	policy	NOUN
fsr-3412	118	12	decreased	decrease	VERB
fsr-3412	118	13	from	from	ADP
fsr-3412	118	14	36	36	NUM
fsr-3412	118	15	%	%	NOUN
fsr-3412	118	16	in	in	ADP
fsr-3412	118	17	1992	1992	NUM
fsr-3412	118	18	to	to	ADP
fsr-3412	118	19	20	20	NUM
fsr-3412	118	20	%	%	NOUN
fsr-3412	118	21	in	in	ADP
fsr-3412	118	22	2013	2013	NUM
fsr-3412	118	23	,	,	PUNCT
fsr-3412	118	24	and	and	CCONJ
fsr-3412	118	25	the	the	DET
fsr-3412	118	26	2016	2016	NUM
fsr-3412	118	27	rate	rate	NOUN
fsr-3412	118	28	was	be	AUX
fsr-3412	118	29	about	about	ADV
fsr-3412	118	30	the	the	DET
fsr-3412	118	31	same	same	ADJ
fsr-3412	118	32	as	as	ADP
fsr-3412	118	33	2013	2013	NUM
fsr-3412	118	34	.	.	PUNCT
fsr-3412	119	1	table	table	NOUN
fsr-3412	119	2	1	1	NUM
fsr-3412	119	3	presents	present	VERB
fsr-3412	119	4	the	the	DET
fsr-3412	119	5	logistic	logistic	ADJ
fsr-3412	119	6	regression	regression	NOUN
fsr-3412	119	7	results	result	NOUN
fsr-3412	119	8	of	of	ADP
fsr-3412	119	9	the	the	DET
fsr-3412	119	10	association	association	NOUN
fsr-3412	119	11	between	between	ADP
fsr-3412	119	12	survey	survey	NOUN
fsr-3412	119	13	year	year	NOUN
fsr-3412	119	14	and	and	CCONJ
fsr-3412	119	15	the	the	DET
fsr-3412	119	16	likelihood	likelihood	NOUN
fsr-3412	119	17	of	of	ADP
fsr-3412	119	18	three	three	NUM
fsr-3412	119	19	different	different	ADJ
fsr-3412	119	20	types	type	NOUN
fsr-3412	119	21	of	of	ADP
fsr-3412	119	22	life	life	NOUN
fsr-3412	119	23	insurance	insurance	NOUN
fsr-3412	119	24	ownership	ownership	NOUN
fsr-3412	119	25	,	,	PUNCT
fsr-3412	119	26	not	not	PART
fsr-3412	119	27	controlling	control	VERB
fsr-3412	119	28	for	for	ADP
fsr-3412	119	29	other	other	ADJ
fsr-3412	119	30	household	household	NOUN
fsr-3412	119	31	characteristics	characteristic	NOUN
fsr-3412	119	32	.	.	PUNCT
fsr-3412	120	1	there	there	PRON
fsr-3412	120	2	were	be	VERB
fsr-3412	120	3	significant	significant	ADJ
fsr-3412	120	4	negative	negative	ADJ
fsr-3412	120	5	relationships	relationship	NOUN
fsr-3412	120	6	between	between	ADP
fsr-3412	120	7	the	the	DET
fsr-3412	120	8	survey	survey	NOUN
fsr-3412	120	9	year	year	NOUN
fsr-3412	120	10	and	and	CCONJ
fsr-3412	120	11	the	the	DET
fsr-3412	120	12	likelihood	likelihood	NOUN
fsr-3412	120	13	of	of	ADP
fsr-3412	120	14	ownership	ownership	NOUN
fsr-3412	120	15	of	of	ADP
fsr-3412	120	16	any	any	DET
fsr-3412	120	17	life	life	NOUN
fsr-3412	120	18	insurance	insurance	NOUN
fsr-3412	120	19	,	,	PUNCT
fsr-3412	120	20	term	term	NOUN
fsr-3412	120	21	life	life	NOUN
fsr-3412	120	22	insurance	insurance	NOUN
fsr-3412	120	23	,	,	PUNCT
fsr-3412	120	24	and	and	CCONJ
fsr-3412	120	25	cash	cash	NOUN
fsr-3412	120	26	value	value	NOUN
fsr-3412	120	27	life	life	NOUN
fsr-3412	120	28	insurance	insurance	NOUN
fsr-3412	120	29	.	.	PUNCT
fsr-3412	121	1	6	6	NUM
fsr-3412	121	2	k.	k.	NOUN
fsr-3412	121	3	tae	tae	PROPN
fsr-3412	121	4	kim	kim	PROPN
fsr-3412	121	5	et	et	PROPN
fsr-3412	121	6	al	al	PROPN
fsr-3412	121	7	.	.	PUNCT
fsr-3412	121	8	/	/	SYM
fsr-3412	121	9	financial	financial	ADJ
fsr-3412	121	10	services	service	NOUN
fsr-3412	121	11	review	review	VERB
fsr-3412	121	12	28	28	NUM
fsr-3412	121	13	(	(	PUNCT
fsr-3412	121	14	2020	2020	NUM
fsr-3412	121	15	)	)	PUNCT
fsr-3412	121	16	1	1	NUM
fsr-3412	121	17	-	-	SYM
fsr-3412	121	18	16	16	NUM
fsr-3412	121	19	4.2	4.2	NUM
fsr-3412	121	20	.	.	PUNCT
fsr-3412	122	1	rii	rii	PROPN
fsr-3412	122	2	means	means	PROPN
fsr-3412	122	3	test	test	VERB
fsr-3412	122	4	the	the	DET
fsr-3412	122	5	characteristics	characteristic	NOUN
fsr-3412	122	6	of	of	ADP
fsr-3412	122	7	our	our	PRON
fsr-3412	122	8	analytic	analytic	ADJ
fsr-3412	122	9	sample	sample	NOUN
fsr-3412	122	10	are	be	AUX
fsr-3412	122	11	presented	present	VERB
fsr-3412	122	12	in	in	ADP
fsr-3412	122	13	table	table	NOUN
fsr-3412	122	14	2	2	NUM
fsr-3412	122	15	.	.	PUNCT
fsr-3412	123	1	most	most	ADJ
fsr-3412	123	2	respondents	respondent	NOUN
fsr-3412	123	3	were	be	AUX
fsr-3412	123	4	white	white	ADJ
fsr-3412	123	5	,	,	PUNCT
fsr-3412	123	6	homeowners	homeowner	NOUN
fsr-3412	123	7	,	,	PUNCT
fsr-3412	123	8	did	do	AUX
fsr-3412	123	9	not	not	PART
fsr-3412	123	10	have	have	VERB
fsr-3412	123	11	a	a	DET
fsr-3412	123	12	child	child	NOUN
fsr-3412	123	13	under	under	ADP
fsr-3412	123	14	18	18	NUM
fsr-3412	123	15	,	,	PUNCT
fsr-3412	123	16	had	have	VERB
fsr-3412	123	17	current	current	ADJ
fsr-3412	123	18	income	income	NOUN
fsr-3412	123	19	about	about	ADP
fsr-3412	123	20	the	the	DET
fsr-3412	123	21	same	same	ADJ
fsr-3412	123	22	as	as	ADP
fsr-3412	123	23	normal	normal	ADJ
fsr-3412	123	24	,	,	PUNCT
fsr-3412	123	25	salary	salary	NOUN
fsr-3412	123	26	workers	worker	NOUN
fsr-3412	123	27	,	,	PUNCT
fsr-3412	123	28	completed	complete	VERB
fsr-3412	123	29	education	education	NOUN
fsr-3412	123	30	beyond	beyond	ADP
fsr-3412	123	31	the	the	DET
fsr-3412	123	32	high	high	ADJ
fsr-3412	123	33	school	school	NOUN
fsr-3412	123	34	level	level	NOUN
fsr-3412	123	35	and	and	CCONJ
fsr-3412	123	36	had	have	VERB
fsr-3412	123	37	good	good	ADJ
fsr-3412	123	38	or	or	CCONJ
fsr-3412	123	39	excellent	excellent	ADJ
fsr-3412	123	40	health	health	NOUN
fsr-3412	123	41	status	status	NOUN
fsr-3412	123	42	.	.	PUNCT
fsr-3412	124	1	results	result	NOUN
fsr-3412	124	2	of	of	ADP
fsr-3412	124	3	means	mean	NOUN
fsr-3412	124	4	tests	test	NOUN
fsr-3412	124	5	are	be	AUX
fsr-3412	124	6	also	also	ADV
fsr-3412	124	7	included	include	VERB
fsr-3412	124	8	to	to	PART
fsr-3412	124	9	show	show	VERB
fsr-3412	124	10	descriptive	descriptive	ADJ
fsr-3412	124	11	patterns	pattern	NOUN
fsr-3412	124	12	of	of	ADP
fsr-3412	124	13	any	any	DET
fsr-3412	124	14	,	,	PUNCT
fsr-3412	124	15	term	term	NOUN
fsr-3412	124	16	,	,	PUNCT
fsr-3412	124	17	and	and	CCONJ
fsr-3412	124	18	cash	cash	NOUN
fsr-3412	124	19	value	value	NOUN
fsr-3412	124	20	life	life	NOUN
fsr-3412	124	21	insurance	insurance	NOUN
fsr-3412	124	22	ownership	ownership	NOUN
fsr-3412	124	23	by	by	ADP
fsr-3412	124	24	selected	select	VERB
fsr-3412	124	25	household	household	NOUN
fsr-3412	124	26	characteristics	characteristic	NOUN
fsr-3412	124	27	.	.	PUNCT
fsr-3412	125	1	in	in	ADP
fsr-3412	125	2	the	the	DET
fsr-3412	125	3	discussion	discussion	NOUN
fsr-3412	125	4	below	below	ADV
fsr-3412	125	5	,	,	PUNCT
fsr-3412	125	6	we	we	PRON
fsr-3412	125	7	report	report	VERB
fsr-3412	125	8	patterns	pattern	NOUN
fsr-3412	125	9	for	for	ADP
fsr-3412	125	10	ownership	ownership	NOUN
fsr-3412	125	11	of	of	ADP
fsr-3412	125	12	any	any	DET
fsr-3412	125	13	life	life	NOUN
fsr-3412	125	14	insurance	insurance	NOUN
fsr-3412	125	15	.	.	PUNCT
fsr-3412	126	1	the	the	DET
fsr-3412	126	2	life	life	NOUN
fsr-3412	126	3	insurance	insurance	NOUN
fsr-3412	126	4	ownership	ownership	NOUN
fsr-3412	126	5	rate	rate	NOUN
fsr-3412	126	6	was	be	AUX
fsr-3412	126	7	46	46	NUM
fsr-3412	126	8	%	%	NOUN
fsr-3412	126	9	for	for	ADP
fsr-3412	126	10	households	household	NOUN
fsr-3412	126	11	with	with	ADP
fsr-3412	126	12	a	a	DET
fsr-3412	126	13	respondent	respondent	NOUN
fsr-3412	126	14	under	under	ADP
fsr-3412	126	15	30	30	NUM
fsr-3412	126	16	,	,	PUNCT
fsr-3412	126	17	71–72	71–72	NUM
fsr-3412	126	18	%	%	NOUN
fsr-3412	126	19	for	for	ADP
fsr-3412	126	20	those	those	PRON
fsr-3412	126	21	with	with	ADP
fsr-3412	126	22	a	a	DET
fsr-3412	126	23	respondent	respondent	NOUN
fsr-3412	126	24	40	40	NUM
fsr-3412	126	25	to	to	ADP
fsr-3412	126	26	49	49	NUM
fsr-3412	126	27	and	and	CCONJ
fsr-3412	126	28	50	50	NUM
fsr-3412	126	29	to	to	ADP
fsr-3412	126	30	59	59	NUM
fsr-3412	126	31	,	,	PUNCT
fsr-3412	126	32	and	and	CCONJ
fsr-3412	126	33	63	63	NUM
fsr-3412	126	34	%	%	NOUN
fsr-3412	126	35	for	for	ADP
fsr-3412	126	36	those	those	PRON
fsr-3412	126	37	with	with	ADP
fsr-3412	126	38	a	a	DET
fsr-3412	126	39	respondent	respondent	NOUN
fsr-3412	126	40	70	70	NUM
fsr-3412	126	41	and	and	CCONJ
fsr-3412	126	42	over	over	ADV
fsr-3412	126	43	.	.	PUNCT
fsr-3412	127	1	white	white	ADJ
fsr-3412	127	2	households	household	NOUN
fsr-3412	127	3	had	have	VERB
fsr-3412	127	4	a	a	DET
fsr-3412	127	5	higher	high	ADJ
fsr-3412	127	6	rate	rate	NOUN
fsr-3412	127	7	of	of	ADP
fsr-3412	127	8	life	life	NOUN
fsr-3412	127	9	insurance	insurance	NOUN
fsr-3412	127	10	ownership	ownership	NOUN
fsr-3412	127	11	(	(	PUNCT
fsr-3412	127	12	69	69	NUM
fsr-3412	127	13	%	%	NOUN
fsr-3412	127	14	)	)	PUNCT
fsr-3412	127	15	than	than	ADP
fsr-3412	127	16	each	each	PRON
fsr-3412	127	17	of	of	ADP
fsr-3412	127	18	the	the	DET
fsr-3412	127	19	other	other	ADJ
fsr-3412	127	20	racial	racial	ADJ
fsr-3412	127	21	/	/	SYM
fsr-3412	127	22	ethnic	ethnic	ADJ
fsr-3412	127	23	groups	group	NOUN
fsr-3412	127	24	,	,	PUNCT
fsr-3412	127	25	and	and	CCONJ
fsr-3412	127	26	hispanics	hispanic	NOUN
fsr-3412	127	27	had	have	VERB
fsr-3412	127	28	the	the	DET
fsr-3412	127	29	lowest	low	ADJ
fsr-3412	127	30	rate	rate	NOUN
fsr-3412	127	31	,	,	PUNCT
fsr-3412	127	32	37	37	NUM
fsr-3412	127	33	%	%	NOUN
fsr-3412	127	34	.	.	PUNCT
fsr-3412	128	1	homeowners	homeowner	NOUN
fsr-3412	128	2	had	have	VERB
fsr-3412	128	3	a	a	DET
fsr-3412	128	4	higher	high	ADJ
fsr-3412	128	5	ownership	ownership	NOUN
fsr-3412	128	6	(	(	PUNCT
fsr-3412	128	7	75	75	NUM
fsr-3412	128	8	%	%	NOUN
fsr-3412	128	9	)	)	PUNCT
fsr-3412	128	10	than	than	ADP
fsr-3412	128	11	renters	renter	NOUN
fsr-3412	128	12	(	(	PUNCT
fsr-3412	128	13	46	46	NUM
fsr-3412	128	14	%	%	NOUN
fsr-3412	128	15	)	)	PUNCT
fsr-3412	128	16	.	.	PUNCT
fsr-3412	129	1	the	the	DET
fsr-3412	129	2	proportion	proportion	NOUN
fsr-3412	129	3	of	of	ADP
fsr-3412	129	4	life	life	NOUN
fsr-3412	129	5	insurance	insurance	NOUN
fsr-3412	129	6	ownership	ownership	NOUN
fsr-3412	129	7	was	be	AUX
fsr-3412	129	8	higher	high	ADJ
fsr-3412	129	9	for	for	ADP
fsr-3412	129	10	married	married	ADJ
fsr-3412	129	11	couples	couple	NOUN
fsr-3412	129	12	(	(	PUNCT
fsr-3412	129	13	77	77	NUM
fsr-3412	129	14	%	%	NOUN
fsr-3412	129	15	)	)	PUNCT
fsr-3412	129	16	than	than	ADP
fsr-3412	129	17	for	for	ADP
fsr-3412	129	18	other	other	ADJ
fsr-3412	129	19	groups	group	NOUN
fsr-3412	129	20	.	.	PUNCT
fsr-3412	130	1	households	household	NOUN
fsr-3412	130	2	with	with	ADP
fsr-3412	130	3	a	a	DET
fsr-3412	130	4	dependent	dependent	ADJ
fsr-3412	130	5	child	child	NOUN
fsr-3412	130	6	under	under	ADP
fsr-3412	130	7	age	age	NOUN
fsr-3412	130	8	18	18	NUM
fsr-3412	130	9	had	have	VERB
fsr-3412	130	10	a	a	DET
fsr-3412	130	11	higher	high	ADJ
fsr-3412	130	12	life	life	NOUN
fsr-3412	130	13	insurance	insurance	NOUN
fsr-3412	130	14	ownership	ownership	NOUN
fsr-3412	130	15	rate	rate	NOUN
fsr-3412	130	16	(	(	PUNCT
fsr-3412	130	17	68	68	NUM
fsr-3412	130	18	%	%	NOUN
fsr-3412	130	19	)	)	PUNCT
fsr-3412	130	20	than	than	ADP
fsr-3412	130	21	those	those	PRON
fsr-3412	130	22	without	without	ADP
fsr-3412	130	23	a	a	DET
fsr-3412	130	24	child	child	NOUN
fsr-3412	130	25	(	(	PUNCT
fsr-3412	130	26	64	64	NUM
fsr-3412	130	27	%	%	NOUN
fsr-3412	130	28	)	)	PUNCT
fsr-3412	130	29	.	.	PUNCT
fsr-3412	131	1	households	household	NOUN
fsr-3412	131	2	with	with	ADP
fsr-3412	131	3	unusually	unusually	ADV
fsr-3412	131	4	high	high	ADJ
fsr-3412	131	5	fig	fig	NOUN
fsr-3412	131	6	.	.	PUNCT
fsr-3412	132	1	1	1	X
fsr-3412	132	2	.	.	X
fsr-3412	132	3	trend	trend	NOUN
fsr-3412	132	4	in	in	ADP
fsr-3412	132	5	life	life	NOUN
fsr-3412	132	6	insurance	insurance	NOUN
fsr-3412	132	7	ownership	ownership	NOUN
fsr-3412	132	8	rates	rate	NOUN
fsr-3412	132	9	,	,	PUNCT
fsr-3412	132	10	any	any	DET
fsr-3412	132	11	type	type	NOUN
fsr-3412	132	12	,	,	PUNCT
fsr-3412	132	13	term	term	NOUN
fsr-3412	132	14	,	,	PUNCT
fsr-3412	132	15	and	and	CCONJ
fsr-3412	132	16	cash	cash	NOUN
fsr-3412	132	17	value	value	NOUN
fsr-3412	132	18	,	,	PUNCT
fsr-3412	132	19	1992–2016	1992–2016	PROPN
fsr-3412	132	20	scf	scf	PROPN
fsr-3412	132	21	weighted	weight	VERB
fsr-3412	132	22	results	result	NOUN
fsr-3412	132	23	.	.	PUNCT
fsr-3412	133	1	n	n	X
fsr-3412	133	2	�	�	PROPN
fsr-3412	133	3	43,751	43,751	NUM
fsr-3412	133	4	.	.	PUNCT
fsr-3412	134	1	table	table	NOUN
fsr-3412	134	2	1	1	NUM
fsr-3412	134	3	logistic	logistic	ADJ
fsr-3412	134	4	regressions	regression	NOUN
fsr-3412	134	5	on	on	ADP
fsr-3412	134	6	ownership	ownership	NOUN
fsr-3412	134	7	of	of	ADP
fsr-3412	134	8	any	any	DET
fsr-3412	134	9	,	,	PUNCT
fsr-3412	134	10	term	term	NOUN
fsr-3412	134	11	,	,	PUNCT
fsr-3412	134	12	and	and	CCONJ
fsr-3412	134	13	cash	cash	NOUN
fsr-3412	134	14	value	value	NOUN
fsr-3412	134	15	life	life	NOUN
fsr-3412	134	16	insurance	insurance	NOUN
fsr-3412	134	17	by	by	ADP
fsr-3412	134	18	survey	survey	NOUN
fsr-3412	134	19	year	year	NOUN
fsr-3412	134	20	only	only	ADV
fsr-3412	134	21	,	,	PUNCT
fsr-3412	134	22	1992–2016	1992–2016	PROPN
fsr-3412	134	23	scf	scf	VERB
fsr-3412	134	24	any	any	DET
fsr-3412	134	25	life	life	NOUN
fsr-3412	134	26	insurance	insurance	NOUN
fsr-3412	134	27	term	term	NOUN
fsr-3412	134	28	life	life	NOUN
fsr-3412	134	29	insurance	insurance	NOUN
fsr-3412	134	30	cash	cash	NOUN
fsr-3412	134	31	value	value	NOUN
fsr-3412	134	32	life	life	NOUN
fsr-3412	134	33	insurance	insurance	NOUN
fsr-3412	134	34	coefficient	coefficient	NOUN
fsr-3412	134	35	standard	standard	ADJ
fsr-3412	134	36	error	error	NOUN
fsr-3412	134	37	coefficient	coefficient	NOUN
fsr-3412	134	38	standard	standard	ADJ
fsr-3412	134	39	error	error	NOUN
fsr-3412	134	40	coefficient	coefficient	NOUN
fsr-3412	134	41	standard	standard	ADJ
fsr-3412	134	42	error	error	NOUN
fsr-3412	134	43	survey	survey	NOUN
fsr-3412	134	44	year	year	NOUN
fsr-3412	134	45	�	�	PROPN
fsr-3412	134	46	0.0270	0.0270	NUM
fsr-3412	134	47	*	*	PUNCT
fsr-3412	134	48	*	*	PUNCT
fsr-3412	134	49	*	*	PROPN
fsr-3412	134	50	0.0030	0.0030	NUM
fsr-3412	134	51	�	�	PROPN
fsr-3412	134	52	0.0072	0.0072	NUM
fsr-3412	134	53	*	*	NOUN
fsr-3412	134	54	*	*	PUNCT
fsr-3412	134	55	*	*	X
fsr-3412	134	56	0.0028	0.0028	NUM
fsr-3412	134	57	�	�	NOUN
fsr-3412	134	58	0.0394	0.0394	NUM
fsr-3412	134	59	*	*	NOUN
fsr-3412	134	60	*	*	PUNCT
fsr-3412	134	61	*	*	X
fsr-3412	134	62	0.0030	0.0030	NUM
fsr-3412	134	63	intercept	intercept	NOUN
fsr-3412	134	64	54.9622	54.9622	NUM
fsr-3412	134	65	6.0089	6.0089	NUM
fsr-3412	134	66	14.3913	14.3913	NUM
fsr-3412	134	67	5.5264	5.5264	NUM
fsr-3412	134	68	78.1899	78.1899	NUM
fsr-3412	134	69	6.0701	6.0701	NUM
fsr-3412	134	70	mean	mean	NOUN
fsr-3412	134	71	concordance	concordance	NOUN
fsr-3412	134	72	50.1	50.1	NUM
fsr-3412	134	73	%	%	NOUN
fsr-3412	134	74	45.8	45.8	NUM
fsr-3412	134	75	%	%	NOUN
fsr-3412	134	76	53.1	53.1	NUM
fsr-3412	134	77	%	%	NOUN
fsr-3412	134	78	note	note	NOUN
fsr-3412	134	79	:	:	PUNCT
fsr-3412	134	80	*	*	PUNCT
fsr-3412	134	81	p	p	X
fsr-3412	134	82	�	�	PROPN
fsr-3412	134	83	0.05	0.05	NUM
fsr-3412	134	84	,	,	PUNCT
fsr-3412	134	85	*	*	PUNCT
fsr-3412	134	86	*	*	PUNCT
fsr-3412	134	87	p	p	X
fsr-3412	134	88	�	�	PROPN
fsr-3412	134	89	0.01	0.01	NUM
fsr-3412	134	90	,	,	PUNCT
fsr-3412	134	91	*	*	PUNCT
fsr-3412	134	92	*	*	PUNCT
fsr-3412	134	93	*	*	PUNCT
fsr-3412	134	94	p	p	PROPN
fsr-3412	134	95	�	�	PROPN
fsr-3412	134	96	0.001	0.001	NUM
fsr-3412	134	97	.	.	PUNCT
fsr-3412	135	1	unweighted	unweighte	VERB
fsr-3412	135	2	analysis	analysis	NOUN
fsr-3412	135	3	with	with	ADP
fsr-3412	135	4	rii	rii	ADJ
fsr-3412	135	5	technique	technique	NOUN
fsr-3412	135	6	.	.	PUNCT
fsr-3412	136	1	n	n	PROPN
fsr-3412	136	2	�	�	PROPN
fsr-3412	136	3	43,751	43,751	NUM
fsr-3412	136	4	.	.	PUNCT
fsr-3412	137	1	7k	7k	NOUN
fsr-3412	137	2	.	.	PUNCT
fsr-3412	138	1	tae	tae	PROPN
fsr-3412	138	2	kim	kim	PROPN
fsr-3412	138	3	et	et	PROPN
fsr-3412	138	4	al	al	PROPN
fsr-3412	138	5	.	.	PUNCT
fsr-3412	138	6	/	/	SYM
fsr-3412	138	7	financial	financial	ADJ
fsr-3412	138	8	services	service	NOUN
fsr-3412	138	9	review	review	VERB
fsr-3412	138	10	28	28	NUM
fsr-3412	138	11	(	(	PUNCT
fsr-3412	138	12	2020	2020	NUM
fsr-3412	138	13	)	)	PUNCT
fsr-3412	138	14	1	1	NUM
fsr-3412	138	15	-	-	SYM
fsr-3412	138	16	16	16	NUM
fsr-3412	138	17	current	current	ADJ
fsr-3412	138	18	income	income	NOUN
fsr-3412	138	19	were	be	AUX
fsr-3412	138	20	more	more	ADV
fsr-3412	138	21	likely	likely	ADJ
fsr-3412	138	22	to	to	PART
fsr-3412	138	23	own	own	VERB
fsr-3412	138	24	life	life	NOUN
fsr-3412	138	25	insurance	insurance	NOUN
fsr-3412	138	26	(	(	PUNCT
fsr-3412	138	27	71	71	NUM
fsr-3412	138	28	%	%	NOUN
fsr-3412	138	29	)	)	PUNCT
fsr-3412	138	30	than	than	ADP
fsr-3412	138	31	those	those	PRON
fsr-3412	138	32	with	with	ADP
fsr-3412	138	33	lower	low	ADJ
fsr-3412	138	34	current	current	ADJ
fsr-3412	138	35	income	income	NOUN
fsr-3412	138	36	(	(	PUNCT
fsr-3412	138	37	54	54	NUM
fsr-3412	138	38	%	%	NOUN
fsr-3412	138	39	)	)	PUNCT
fsr-3412	138	40	and	and	CCONJ
fsr-3412	138	41	those	those	PRON
fsr-3412	138	42	with	with	ADP
fsr-3412	138	43	current	current	ADJ
fsr-3412	138	44	income	income	NOUN
fsr-3412	138	45	about	about	ADP
fsr-3412	138	46	the	the	DET
fsr-3412	138	47	same	same	ADJ
fsr-3412	138	48	as	as	ADP
fsr-3412	138	49	normal	normal	ADJ
fsr-3412	138	50	(	(	PUNCT
fsr-3412	138	51	67	67	NUM
fsr-3412	138	52	%	%	NOUN
fsr-3412	138	53	)	)	PUNCT
fsr-3412	138	54	.	.	PUNCT
fsr-3412	139	1	households	household	NOUN
fsr-3412	139	2	with	with	ADP
fsr-3412	139	3	the	the	DET
fsr-3412	139	4	head	head	NOUN
fsr-3412	139	5	working	work	VERB
fsr-3412	139	6	for	for	ADP
fsr-3412	139	7	a	a	DET
fsr-3412	139	8	salary	salary	NOUN
fsr-3412	139	9	had	have	VERB
fsr-3412	139	10	a	a	DET
fsr-3412	139	11	higher	high	ADJ
fsr-3412	139	12	rate	rate	NOUN
fsr-3412	139	13	of	of	ADP
fsr-3412	139	14	life	life	NOUN
fsr-3412	139	15	insurance	insurance	NOUN
fsr-3412	139	16	ownership	ownership	NOUN
fsr-3412	139	17	(	(	PUNCT
fsr-3412	139	18	71	71	NUM
fsr-3412	139	19	%	%	NOUN
fsr-3412	139	20	)	)	PUNCT
fsr-3412	139	21	than	than	ADP
fsr-3412	139	22	those	those	PRON
fsr-3412	139	23	in	in	ADP
fsr-3412	139	24	other	other	ADJ
fsr-3412	139	25	types	type	NOUN
fsr-3412	139	26	of	of	ADP
fsr-3412	139	27	employment	employment	NOUN
fsr-3412	139	28	status	status	NOUN
fsr-3412	139	29	,	,	PUNCT
fsr-3412	139	30	and	and	CCONJ
fsr-3412	139	31	households	household	NOUN
fsr-3412	139	32	with	with	ADP
fsr-3412	139	33	the	the	DET
fsr-3412	139	34	head	head	NOUN
fsr-3412	139	35	not	not	PART
fsr-3412	139	36	working	work	VERB
fsr-3412	139	37	had	have	VERB
fsr-3412	139	38	only	only	ADV
fsr-3412	139	39	a	a	DET
fsr-3412	139	40	34	34	NUM
fsr-3412	139	41	%	%	NOUN
fsr-3412	139	42	life	life	NOUN
fsr-3412	139	43	insurance	insurance	NOUN
fsr-3412	139	44	ownership	ownership	NOUN
fsr-3412	139	45	rate	rate	NOUN
fsr-3412	139	46	.	.	PUNCT
fsr-3412	140	1	the	the	DET
fsr-3412	140	2	proportion	proportion	NOUN
fsr-3412	140	3	of	of	ADP
fsr-3412	140	4	life	life	NOUN
fsr-3412	140	5	insurance	insurance	NOUN
fsr-3412	140	6	ownership	ownership	NOUN
fsr-3412	140	7	was	be	AUX
fsr-3412	140	8	highest	high	ADJ
fsr-3412	140	9	for	for	ADP
fsr-3412	140	10	households	household	NOUN
fsr-3412	140	11	with	with	ADP
fsr-3412	140	12	a	a	DET
fsr-3412	140	13	head	head	NOUN
fsr-3412	140	14	having	have	VERB
fsr-3412	140	15	a	a	DET
fsr-3412	140	16	postbachelor	postbachelor	NOUN
fsr-3412	140	17	degree	degree	NOUN
fsr-3412	140	18	(	(	PUNCT
fsr-3412	140	19	77	77	NUM
fsr-3412	140	20	%	%	NOUN
fsr-3412	140	21	)	)	PUNCT
fsr-3412	140	22	,	,	PUNCT
fsr-3412	140	23	compared	compare	VERB
fsr-3412	140	24	with	with	ADP
fsr-3412	140	25	75	75	NUM
fsr-3412	140	26	%	%	NOUN
fsr-3412	140	27	for	for	ADP
fsr-3412	140	28	households	household	NOUN
fsr-3412	140	29	with	with	ADP
fsr-3412	140	30	a	a	DET
fsr-3412	140	31	bachelor	bachelor	NOUN
fsr-3412	140	32	degree	degree	NOUN
fsr-3412	140	33	,	,	PUNCT
fsr-3412	140	34	67	67	NUM
fsr-3412	140	35	%	%	NOUN
fsr-3412	140	36	for	for	ADP
fsr-3412	140	37	households	household	NOUN
fsr-3412	140	38	with	with	ADP
fsr-3412	140	39	some	some	DET
fsr-3412	140	40	college	college	NOUN
fsr-3412	140	41	,	,	PUNCT
fsr-3412	140	42	63	63	NUM
fsr-3412	140	43	%	%	NOUN
fsr-3412	140	44	for	for	ADP
fsr-3412	140	45	those	those	PRON
fsr-3412	140	46	with	with	ADP
fsr-3412	140	47	a	a	DET
fsr-3412	140	48	high	high	ADJ
fsr-3412	140	49	school	school	NOUN
fsr-3412	140	50	degree	degree	NOUN
fsr-3412	140	51	,	,	PUNCT
fsr-3412	140	52	and	and	CCONJ
fsr-3412	140	53	only	only	ADV
fsr-3412	140	54	46	46	NUM
fsr-3412	140	55	%	%	NOUN
fsr-3412	140	56	for	for	ADP
fsr-3412	140	57	those	those	PRON
fsr-3412	140	58	less	less	ADJ
fsr-3412	140	59	than	than	ADP
fsr-3412	140	60	high	high	ADJ
fsr-3412	140	61	school	school	NOUN
fsr-3412	140	62	degree	degree	NOUN
fsr-3412	140	63	.	.	PUNCT
fsr-3412	141	1	households	household	NOUN
fsr-3412	141	2	with	with	ADP
fsr-3412	141	3	a	a	DET
fsr-3412	141	4	head	head	NOUN
fsr-3412	141	5	with	with	ADP
fsr-3412	141	6	excellent	excellent	ADJ
fsr-3412	141	7	health	health	NOUN
fsr-3412	141	8	had	have	VERB
fsr-3412	141	9	the	the	DET
fsr-3412	141	10	highest	high	ADJ
fsr-3412	141	11	proportion	proportion	NOUN
fsr-3412	141	12	of	of	ADP
fsr-3412	141	13	life	life	NOUN
fsr-3412	141	14	insurance	insurance	NOUN
fsr-3412	141	15	,	,	PUNCT
fsr-3412	141	16	70	70	NUM
fsr-3412	141	17	%	%	NOUN
fsr-3412	141	18	,	,	PUNCT
fsr-3412	141	19	while	while	SCONJ
fsr-3412	141	20	those	those	PRON
fsr-3412	141	21	with	with	ADP
fsr-3412	141	22	poor	poor	ADJ
fsr-3412	141	23	health	health	NOUN
fsr-3412	141	24	had	have	VERB
fsr-3412	141	25	the	the	DET
fsr-3412	141	26	lowest	low	ADJ
fsr-3412	141	27	proportion	proportion	NOUN
fsr-3412	141	28	,	,	PUNCT
fsr-3412	141	29	50	50	NUM
fsr-3412	141	30	%	%	NOUN
fsr-3412	141	31	.	.	PUNCT
fsr-3412	142	1	table	table	NOUN
fsr-3412	142	2	2	2	NUM
fsr-3412	142	3	proportion	proportion	NOUN
fsr-3412	142	4	of	of	ADP
fsr-3412	142	5	ownership	ownership	NOUN
fsr-3412	142	6	of	of	ADP
fsr-3412	142	7	any	any	DET
fsr-3412	142	8	,	,	PUNCT
fsr-3412	142	9	term	term	NOUN
fsr-3412	142	10	,	,	PUNCT
fsr-3412	142	11	and	and	CCONJ
fsr-3412	142	12	cash	cash	NOUN
fsr-3412	142	13	value	value	NOUN
fsr-3412	142	14	life	life	NOUN
fsr-3412	142	15	,	,	PUNCT
fsr-3412	142	16	by	by	ADP
fsr-3412	142	17	household	household	NOUN
fsr-3412	142	18	characteristics	characteristic	NOUN
fsr-3412	142	19	,	,	PUNCT
fsr-3412	142	20	1992–2016	1992–2016	NUM
fsr-3412	142	21	scf	scf	PROPN
fsr-3412	142	22	variable	variable	ADJ
fsr-3412	142	23	category	category	NOUN
fsr-3412	142	24	distribution	distribution	NOUN
fsr-3412	142	25	(	(	PUNCT
fsr-3412	142	26	%	%	INTJ
fsr-3412	142	27	)	)	PUNCT
fsr-3412	142	28	any	any	DET
fsr-3412	142	29	life	life	NOUN
fsr-3412	142	30	insurance	insurance	NOUN
fsr-3412	142	31	term	term	NOUN
fsr-3412	142	32	life	life	NOUN
fsr-3412	142	33	insurance	insurance	NOUN
fsr-3412	142	34	cash	cash	NOUN
fsr-3412	142	35	value	value	NOUN
fsr-3412	142	36	life	life	NOUN
fsr-3412	142	37	insurance	insurance	NOUN
fsr-3412	142	38	rate	rate	NOUN
fsr-3412	142	39	of	of	ADP
fsr-3412	142	40	insurance	insurance	NOUN
fsr-3412	142	41	ownership	ownership	NOUN
fsr-3412	142	42	(	(	PUNCT
fsr-3412	142	43	%	%	NOUN
fsr-3412	142	44	)	)	PUNCT
fsr-3412	142	45	significance	significance	NOUN
fsr-3412	142	46	level	level	NOUN
fsr-3412	142	47	rate	rate	NOUN
fsr-3412	142	48	of	of	ADP
fsr-3412	142	49	insurance	insurance	NOUN
fsr-3412	142	50	ownership	ownership	NOUN
fsr-3412	142	51	(	(	PUNCT
fsr-3412	142	52	%	%	NOUN
fsr-3412	142	53	)	)	PUNCT
fsr-3412	142	54	significance	significance	NOUN
fsr-3412	142	55	level	level	NOUN
fsr-3412	142	56	rate	rate	NOUN
fsr-3412	142	57	of	of	ADP
fsr-3412	142	58	insurance	insurance	NOUN
fsr-3412	142	59	ownership	ownership	NOUN
fsr-3412	142	60	(	(	PUNCT
fsr-3412	142	61	%	%	NOUN
fsr-3412	142	62	)	)	PUNCT
fsr-3412	142	63	significance	significance	NOUN
fsr-3412	142	64	level	level	NOUN
fsr-3412	142	65	age	age	NOUN
fsr-3412	142	66	of	of	ADP
fsr-3412	142	67	head	head	NOUN
fsr-3412	142	68	less	less	ADJ
fsr-3412	142	69	than	than	ADP
fsr-3412	142	70	30	30	NUM
fsr-3412	142	71	12.8	12.8	NUM
fsr-3412	142	72	45.5	45.5	NUM
fsr-3412	142	73	reference	reference	NOUN
fsr-3412	142	74	37.7	37.7	NUM
fsr-3412	142	75	reference	reference	NOUN
fsr-3412	142	76	12.7	12.7	NUM
fsr-3412	142	77	reference	reference	NOUN
fsr-3412	142	78	between	between	ADP
fsr-3412	142	79	30	30	NUM
fsr-3412	142	80	and	and	CCONJ
fsr-3412	142	81	39	39	NUM
fsr-3412	142	82	19.0	19.0	NUM
fsr-3412	142	83	63.7	63.7	NUM
fsr-3412	142	84	�	�	NOUN
fsr-3412	142	85	0.001	0.001	NUM
fsr-3412	142	86	54.4	54.4	NUM
fsr-3412	142	87	�	�	PROPN
fsr-3412	142	88	0.001	0.001	NUM
fsr-3412	142	89	20.0	20.0	NUM
fsr-3412	142	90	�	�	NOUN
fsr-3412	142	91	0.001	0.001	NUM
fsr-3412	142	92	between	between	ADP
fsr-3412	142	93	40	40	NUM
fsr-3412	142	94	and	and	CCONJ
fsr-3412	142	95	49	49	NUM
fsr-3412	142	96	20.5	20.5	NUM
fsr-3412	142	97	71.1	71.1	NUM
fsr-3412	142	98	�	�	NOUN
fsr-3412	142	99	0.001	0.001	NUM
fsr-3412	142	100	60.1	60.1	NUM
fsr-3412	142	101	�	�	NOUN
fsr-3412	142	102	0.001	0.001	NUM
fsr-3412	142	103	23.6	23.6	NUM
fsr-3412	142	104	�	�	NOUN
fsr-3412	142	105	0.001	0.001	NUM
fsr-3412	142	106	between	between	ADP
fsr-3412	142	107	50	50	NUM
fsr-3412	142	108	and	and	CCONJ
fsr-3412	142	109	59	59	NUM
fsr-3412	142	110	18.0	18.0	NUM
fsr-3412	142	111	71.5	71.5	NUM
fsr-3412	142	112	�	�	PROPN
fsr-3412	142	113	0.001	0.001	NUM
fsr-3412	142	114	58.4	58.4	NUM
fsr-3412	142	115	�	�	PROPN
fsr-3412	142	116	0.001	0.001	NUM
fsr-3412	142	117	28.0	28.0	NUM
fsr-3412	142	118	�	�	NOUN
fsr-3412	142	119	0.001	0.001	NUM
fsr-3412	142	120	between	between	ADP
fsr-3412	142	121	60	60	NUM
fsr-3412	142	122	and	and	CCONJ
fsr-3412	142	123	69	69	NUM
fsr-3412	142	124	14.0	14.0	NUM
fsr-3412	142	125	70.2	70.2	NUM
fsr-3412	142	126	�	�	PROPN
fsr-3412	142	127	0.001	0.001	NUM
fsr-3412	142	128	49.6	49.6	NUM
fsr-3412	142	129	�	�	PROPN
fsr-3412	142	130	0.001	0.001	NUM
fsr-3412	142	131	33.5	33.5	NUM
fsr-3412	142	132	�	�	PROPN
fsr-3412	142	133	0.001	0.001	NUM
fsr-3412	142	134	70	70	NUM
fsr-3412	142	135	and	and	CCONJ
fsr-3412	142	136	over	over	ADP
fsr-3412	142	137	15.7	15.7	NUM
fsr-3412	142	138	62.9	62.9	NUM
fsr-3412	142	139	�	�	NOUN
fsr-3412	142	140	0.001	0.001	NUM
fsr-3412	142	141	37.3	37.3	NUM
fsr-3412	142	142	�	�	NOUN
fsr-3412	142	143	0.001	0.001	NUM
fsr-3412	142	144	32.7	32.7	NUM
fsr-3412	142	145	�	�	NOUN
fsr-3412	142	146	0.001	0.001	NUM
fsr-3412	142	147	race	race	NOUN
fsr-3412	142	148	/	/	SYM
fsr-3412	142	149	ethnicity	ethnicity	NOUN
fsr-3412	142	150	white	white	ADJ
fsr-3412	142	151	73.2	73.2	NUM
fsr-3412	142	152	68.7	68.7	NUM
fsr-3412	142	153	reference	reference	NOUN
fsr-3412	142	154	53.4	53.4	NUM
fsr-3412	142	155	reference	reference	NOUN
fsr-3412	142	156	27.6	27.6	NUM
fsr-3412	142	157	reference	reference	NOUN
fsr-3412	142	158	black	black	ADJ
fsr-3412	142	159	13.5	13.5	NUM
fsr-3412	142	160	66.5	66.5	NUM
fsr-3412	142	161	�	�	PROPN
fsr-3412	142	162	0.001	0.001	NUM
fsr-3412	142	163	50.5	50.5	NUM
fsr-3412	142	164	�	�	NOUN
fsr-3412	142	165	0.001	0.001	NUM
fsr-3412	142	166	24.7	24.7	NUM
fsr-3412	142	167	�	�	NOUN
fsr-3412	142	168	0.001	0.001	NUM
fsr-3412	142	169	hispanic	hispanic	NOUN
fsr-3412	142	170	9.2	9.2	NUM
fsr-3412	142	171	36.9	36.9	NUM
fsr-3412	142	172	�	�	PROPN
fsr-3412	142	173	0.001	0.001	NUM
fsr-3412	142	174	31.8	31.8	NUM
fsr-3412	142	175	�	�	PROPN
fsr-3412	142	176	0.001	0.001	NUM
fsr-3412	142	177	8.6	8.6	NUM
fsr-3412	142	178	�	�	NOUN
fsr-3412	142	179	0.001	0.001	NUM
fsr-3412	142	180	asian	asian	ADJ
fsr-3412	142	181	/	/	SYM
fsr-3412	142	182	other	other	ADJ
fsr-3412	142	183	4.1	4.1	NUM
fsr-3412	142	184	59.0	59.0	NUM
fsr-3412	142	185	�	�	NOUN
fsr-3412	142	186	0.001	0.001	NUM
fsr-3412	142	187	47.8	47.8	NUM
fsr-3412	142	188	�	�	PROPN
fsr-3412	142	189	0.001	0.001	NUM
fsr-3412	142	190	18.8	18.8	NUM
fsr-3412	142	191	�	�	NOUN
fsr-3412	142	192	0.001	0.001	NUM
fsr-3412	142	193	homeowner	homeowner	NOUN
fsr-3412	142	194	no	no	DET
fsr-3412	142	195	33.7	33.7	NUM
fsr-3412	142	196	45.5	45.5	NUM
fsr-3412	142	197	reference	reference	NOUN
fsr-3412	142	198	36.6	36.6	NUM
fsr-3412	142	199	reference	reference	NOUN
fsr-3412	142	200	13.7	13.7	NUM
fsr-3412	142	201	reference	reference	NOUN
fsr-3412	142	202	yes	yes	INTJ
fsr-3412	142	203	66.3	66.3	NUM
fsr-3412	142	204	75.0	75.0	NUM
fsr-3412	142	205	�	�	NOUN
fsr-3412	142	206	0.001	0.001	NUM
fsr-3412	142	207	58.0	58.0	NUM
fsr-3412	142	208	�	�	PROPN
fsr-3412	142	209	0.001	0.001	NUM
fsr-3412	142	210	30.9	30.9	NUM
fsr-3412	142	211	�	�	NOUN
fsr-3412	142	212	0.001	0.001	NUM
fsr-3412	142	213	marital	marital	ADJ
fsr-3412	142	214	status	status	NOUN
fsr-3412	142	215	married	marry	VERB
fsr-3412	142	216	50.3	50.3	NUM
fsr-3412	142	217	77.1	77.1	NUM
fsr-3412	142	218	reference	reference	NOUN
fsr-3412	142	219	61.4	61.4	NUM
fsr-3412	142	220	reference	reference	NOUN
fsr-3412	142	221	31.6	31.6	NUM
fsr-3412	142	222	reference	reference	NOUN
fsr-3412	142	223	single	single	ADJ
fsr-3412	142	224	male	male	NOUN
fsr-3412	142	225	14.9	14.9	NUM
fsr-3412	142	226	51.7	51.7	NUM
fsr-3412	142	227	�	�	PROPN
fsr-3412	142	228	0.001	0.001	NUM
fsr-3412	142	229	38.9	38.9	NUM
fsr-3412	142	230	�	�	PROPN
fsr-3412	142	231	0.001	0.001	NUM
fsr-3412	142	232	18.2	18.2	NUM
fsr-3412	142	233	�	�	NOUN
fsr-3412	142	234	0.001	0.001	NUM
fsr-3412	142	235	single	single	ADJ
fsr-3412	142	236	female	female	ADJ
fsr-3412	142	237	27.3	27.3	NUM
fsr-3412	142	238	53.7	53.7	NUM
fsr-3412	142	239	�	�	NOUN
fsr-3412	142	240	0.001	0.001	NUM
fsr-3412	142	241	39.9	39.9	NUM
fsr-3412	142	242	�	�	NOUN
fsr-3412	142	243	0.001	0.001	NUM
fsr-3412	142	244	19.5	19.5	NUM
fsr-3412	142	245	�	�	NOUN
fsr-3412	142	246	0.001	0.001	NUM
fsr-3412	142	247	partner	partner	NOUN
fsr-3412	142	248	7.5	7.5	NUM
fsr-3412	142	249	52.2	52.2	NUM
fsr-3412	142	250	�	�	PROPN
fsr-3412	142	251	0.001	0.001	NUM
fsr-3412	142	252	43.2	43.2	NUM
fsr-3412	142	253	�	�	NOUN
fsr-3412	142	254	0.001	0.001	NUM
fsr-3412	142	255	16.2	16.2	NUM
fsr-3412	142	256	�	�	NOUN
fsr-3412	142	257	0.001	0.001	NUM
fsr-3412	142	258	the	the	DET
fsr-3412	142	259	presence	presence	NOUN
fsr-3412	142	260	of	of	ADP
fsr-3412	142	261	child	child	NOUN
fsr-3412	142	262	under	under	ADP
fsr-3412	142	263	18	18	NUM
fsr-3412	142	264	no	no	DET
fsr-3412	142	265	66.2	66.2	NUM
fsr-3412	142	266	63.8	63.8	NUM
fsr-3412	142	267	reference	reference	NOUN
fsr-3412	142	268	47.4	47.4	NUM
fsr-3412	142	269	reference	reference	NOUN
fsr-3412	142	270	26.1	26.1	NUM
fsr-3412	142	271	reference	reference	NOUN
fsr-3412	142	272	yes	yes	INTJ
fsr-3412	142	273	33.8	33.8	NUM
fsr-3412	142	274	67.6	67.6	NUM
fsr-3412	142	275	�	�	PROPN
fsr-3412	142	276	0.001	0.001	NUM
fsr-3412	142	277	57.5	57.5	NUM
fsr-3412	142	278	�	�	PROPN
fsr-3412	142	279	0.001	0.001	NUM
fsr-3412	142	280	23.3	23.3	NUM
fsr-3412	142	281	�	�	NOUN
fsr-3412	142	282	0.001	0.001	NUM
fsr-3412	142	283	current	current	ADJ
fsr-3412	142	284	income	income	NOUN
fsr-3412	142	285	relative	relative	ADJ
fsr-3412	142	286	to	to	ADP
fsr-3412	142	287	normal	normal	ADJ
fsr-3412	142	288	normal	normal	ADJ
fsr-3412	142	289	73.1	73.1	NUM
fsr-3412	142	290	67.1	67.1	NUM
fsr-3412	142	291	reference	reference	NOUN
fsr-3412	142	292	52.3	52.3	NUM
fsr-3412	142	293	reference	reference	NOUN
fsr-3412	142	294	26.1	26.1	NUM
fsr-3412	142	295	reference	reference	NOUN
fsr-3412	142	296	income	income	NOUN
fsr-3412	142	297	higher	high	ADJ
fsr-3412	142	298	8.5	8.5	NUM
fsr-3412	142	299	71.4	71.4	NUM
fsr-3412	142	300	�	�	PROPN
fsr-3412	142	301	0.001	0.001	NUM
fsr-3412	142	302	56.9	56.9	NUM
fsr-3412	142	303	�	�	PROPN
fsr-3412	142	304	0.001	0.001	NUM
fsr-3412	142	305	28.4	28.4	NUM
fsr-3412	142	306	�	�	NOUN
fsr-3412	142	307	0.001	0.001	NUM
fsr-3412	142	308	income	income	NOUN
fsr-3412	142	309	lower	low	ADJ
fsr-3412	142	310	18.4	18.4	NUM
fsr-3412	142	311	54.0	54.0	NUM
fsr-3412	142	312	�	�	NOUN
fsr-3412	142	313	0.001	0.001	NUM
fsr-3412	142	314	42.2	42.2	NUM
fsr-3412	142	315	�	�	PROPN
fsr-3412	142	316	0.001	0.001	NUM
fsr-3412	142	317	19.8	19.8	NUM
fsr-3412	142	318	�	�	NOUN
fsr-3412	142	319	0.001	0.001	NUM
fsr-3412	142	320	employment	employment	NOUN
fsr-3412	142	321	status	status	NOUN
fsr-3412	142	322	of	of	ADP
fsr-3412	142	323	head	head	NOUN
fsr-3412	142	324	salary	salary	NOUN
fsr-3412	142	325	worker	worker	NOUN
fsr-3412	142	326	58.0	58.0	NUM
fsr-3412	142	327	70.7	70.7	NUM
fsr-3412	142	328	reference	reference	NOUN
fsr-3412	142	329	59.4	59.4	NUM
fsr-3412	142	330	reference	reference	NOUN
fsr-3412	142	331	23.6	23.6	NUM
fsr-3412	142	332	reference	reference	NOUN
fsr-3412	142	333	self	self	NOUN
fsr-3412	142	334	-	-	PUNCT
fsr-3412	142	335	employment	employment	NOUN
fsr-3412	142	336	10.9	10.9	NUM
fsr-3412	142	337	65.4	65.4	NUM
fsr-3412	142	338	�	�	PROPN
fsr-3412	142	339	0.001	0.001	NUM
fsr-3412	142	340	48.8	48.8	NUM
fsr-3412	142	341	�	�	PROPN
fsr-3412	142	342	0.001	0.001	NUM
fsr-3412	142	343	31.5	31.5	NUM
fsr-3412	142	344	�	�	NOUN
fsr-3412	142	345	0.001	0.001	NUM
fsr-3412	142	346	not	not	PART
fsr-3412	142	347	working	work	VERB
fsr-3412	142	348	5.7	5.7	NUM
fsr-3412	142	349	33.8	33.8	NUM
fsr-3412	142	350	�	�	NOUN
fsr-3412	142	351	0.001	0.001	NUM
fsr-3412	142	352	25.5	25.5	NUM
fsr-3412	142	353	�	�	NOUN
fsr-3412	142	354	0.001	0.001	NUM
fsr-3412	142	355	12.5	12.5	NUM
fsr-3412	142	356	�	�	NOUN
fsr-3412	142	357	0.001	0.001	NUM
fsr-3412	142	358	retired	retire	VERB
fsr-3412	142	359	25.3	25.3	NUM
fsr-3412	142	360	59.0	59.0	NUM
fsr-3412	142	361	�	�	PROPN
fsr-3412	142	362	0.001	0.001	NUM
fsr-3412	142	363	37.6	37.6	NUM
fsr-3412	142	364	�	�	PROPN
fsr-3412	142	365	0.001	0.001	NUM
fsr-3412	142	366	28.9	28.9	NUM
fsr-3412	142	367	�	�	NOUN
fsr-3412	142	368	0.001	0.001	NUM
fsr-3412	142	369	education	education	NOUN
fsr-3412	142	370	of	of	ADP
fsr-3412	142	371	household	household	NOUN
fsr-3412	142	372	head	head	NOUN
fsr-3412	142	373	less	less	ADJ
fsr-3412	142	374	than	than	ADP
fsr-3412	142	375	high	high	ADJ
fsr-3412	142	376	school	school	NOUN
fsr-3412	142	377	14.6	14.6	NUM
fsr-3412	142	378	45.6	45.6	NUM
fsr-3412	142	379	reference	reference	NOUN
fsr-3412	142	380	33.5	33.5	NUM
fsr-3412	142	381	reference	reference	NOUN
fsr-3412	142	382	16.3	16.3	NUM
fsr-3412	142	383	reference	reference	NOUN
fsr-3412	142	384	high	high	ADJ
fsr-3412	142	385	school	school	NOUN
fsr-3412	142	386	degree	degree	NOUN
fsr-3412	142	387	30.7	30.7	NUM
fsr-3412	142	388	63.1	63.1	NUM
fsr-3412	142	389	�	�	PROPN
fsr-3412	142	390	0.001	0.001	NUM
fsr-3412	142	391	47.7	47.7	NUM
fsr-3412	142	392	�	�	PROPN
fsr-3412	142	393	0.001	0.001	NUM
fsr-3412	142	394	24.6	24.6	NUM
fsr-3412	142	395	�	�	NOUN
fsr-3412	142	396	0.001	0.001	NUM
fsr-3412	142	397	some	some	DET
fsr-3412	142	398	college	college	NOUN
fsr-3412	142	399	23.0	23.0	NUM
fsr-3412	142	400	66.6	66.6	NUM
fsr-3412	142	401	�	�	PROPN
fsr-3412	142	402	0.001	0.001	NUM
fsr-3412	142	403	52.2	52.2	NUM
fsr-3412	142	404	�	�	PROPN
fsr-3412	142	405	0.001	0.001	NUM
fsr-3412	142	406	25.4	25.4	NUM
fsr-3412	142	407	�	�	NOUN
fsr-3412	142	408	0.001	0.001	NUM
fsr-3412	142	409	bachelor	bachelor	NOUN
fsr-3412	142	410	degree	degree	NOUN
fsr-3412	142	411	18.6	18.6	NUM
fsr-3412	142	412	74.7	74.7	NUM
fsr-3412	142	413	�	�	NOUN
fsr-3412	142	414	0.001	0.001	NUM
fsr-3412	142	415	61.0	61.0	NUM
fsr-3412	142	416	�	�	NOUN
fsr-3412	142	417	0.001	0.001	NUM
fsr-3412	142	418	28.7	28.7	NUM
fsr-3412	142	419	�	�	NOUN
fsr-3412	142	420	0.001	0.001	NUM
fsr-3412	142	421	post	post	ADJ
fsr-3412	142	422	-	-	ADJ
fsr-3412	142	423	bachelor	bachelor	ADJ
fsr-3412	142	424	degree	degree	NOUN
fsr-3412	142	425	11.5	11.5	NUM
fsr-3412	142	426	76.7	76.7	NUM
fsr-3412	142	427	�	�	PROPN
fsr-3412	142	428	0.001	0.001	NUM
fsr-3412	142	429	61.6	61.6	NUM
fsr-3412	142	430	�	�	PROPN
fsr-3412	142	431	0.001	0.001	NUM
fsr-3412	142	432	32.2	32.2	NUM
fsr-3412	142	433	�	�	NOUN
fsr-3412	142	434	0.001	0.001	NUM
fsr-3412	142	435	health	health	NOUN
fsr-3412	142	436	status	status	NOUN
fsr-3412	142	437	of	of	ADP
fsr-3412	142	438	head	head	NOUN
fsr-3412	142	439	excellent	excellent	ADJ
fsr-3412	142	440	health	health	NOUN
fsr-3412	142	441	27.1	27.1	NUM
fsr-3412	142	442	70.2	70.2	NUM
fsr-3412	142	443	reference	reference	NOUN
fsr-3412	142	444	56.6	56.6	NUM
fsr-3412	142	445	reference	reference	NOUN
fsr-3412	142	446	26.8	26.8	NUM
fsr-3412	142	447	reference	reference	NOUN
fsr-3412	142	448	good	good	ADJ
fsr-3412	142	449	health	health	PROPN
fsr-3412	142	450	47.3	47.3	NUM
fsr-3412	142	451	66.9	66.9	NUM
fsr-3412	142	452	�	�	NOUN
fsr-3412	142	453	0.001	0.001	NUM
fsr-3412	142	454	52.9	52.9	NUM
fsr-3412	142	455	�	�	NOUN
fsr-3412	142	456	0.001	0.001	NUM
fsr-3412	142	457	25.6	25.6	NUM
fsr-3412	142	458	�	�	NOUN
fsr-3412	142	459	0.001	0.001	NUM
fsr-3412	142	460	fair	fair	ADJ
fsr-3412	142	461	health	health	NOUN
fsr-3412	142	462	19.4	19.4	NUM
fsr-3412	142	463	58.4	58.4	NUM
fsr-3412	142	464	�	�	PROPN
fsr-3412	142	465	0.001	0.001	NUM
fsr-3412	142	466	42.8	42.8	NUM
fsr-3412	142	467	�	�	NOUN
fsr-3412	142	468	0.001	0.001	NUM
fsr-3412	142	469	23.3	23.3	NUM
fsr-3412	142	470	�	�	NOUN
fsr-3412	142	471	0.001	0.001	NUM
fsr-3412	142	472	poor	poor	ADJ
fsr-3412	142	473	health	health	NOUN
fsr-3412	142	474	6.2	6.2	NUM
fsr-3412	142	475	49.7	49.7	NUM
fsr-3412	142	476	�	�	PROPN
fsr-3412	142	477	0.001	0.001	NUM
fsr-3412	142	478	34.9	34.9	NUM
fsr-3412	142	479	�	�	PROPN
fsr-3412	142	480	0.001	0.001	NUM
fsr-3412	142	481	20.1	20.1	NUM
fsr-3412	142	482	�	�	NOUN
fsr-3412	142	483	0.001	0.001	NUM
fsr-3412	142	484	note	note	NOUN
fsr-3412	142	485	:	:	PUNCT
fsr-3412	142	486	author	author	NOUN
fsr-3412	142	487	analyses	analysis	NOUN
fsr-3412	142	488	of	of	ADP
fsr-3412	142	489	combined	combine	VERB
fsr-3412	142	490	1992–2016	1992–2016	NUM
fsr-3412	142	491	scf	scf	PROPN
fsr-3412	142	492	datasets	dataset	NOUN
fsr-3412	142	493	,	,	PUNCT
fsr-3412	142	494	n	n	X
fsr-3412	142	495	�	�	PROPN
fsr-3412	142	496	43,751	43,751	NUM
fsr-3412	142	497	.	.	PUNCT
fsr-3412	143	1	rii	rii	NOUN
fsr-3412	143	2	technique	technique	NOUN
fsr-3412	143	3	is	be	AUX
fsr-3412	143	4	used	use	VERB
fsr-3412	143	5	for	for	ADP
fsr-3412	143	6	significance	significance	NOUN
fsr-3412	143	7	tests	test	NOUN
fsr-3412	143	8	.	.	PUNCT
fsr-3412	144	1	the	the	DET
fsr-3412	144	2	reference	reference	NOUN
fsr-3412	144	3	category	category	NOUN
fsr-3412	144	4	used	use	VERB
fsr-3412	144	5	in	in	ADP
fsr-3412	144	6	the	the	DET
fsr-3412	144	7	means	mean	NOUN
fsr-3412	144	8	test	test	NOUN
fsr-3412	144	9	is	be	AUX
fsr-3412	144	10	indicated	indicate	VERB
fsr-3412	144	11	in	in	ADP
fsr-3412	144	12	bold	bold	ADJ
fsr-3412	144	13	face	face	NOUN
fsr-3412	144	14	.	.	PUNCT
fsr-3412	145	1	significance	significance	NOUN
fsr-3412	145	2	test	test	NOUN
fsr-3412	145	3	is	be	AUX
fsr-3412	145	4	for	for	ADP
fsr-3412	145	5	mean	mean	ADJ
fsr-3412	145	6	difference	difference	NOUN
fsr-3412	145	7	from	from	ADP
fsr-3412	145	8	reference	reference	NOUN
fsr-3412	145	9	category	category	NOUN
fsr-3412	145	10	for	for	ADP
fsr-3412	145	11	each	each	DET
fsr-3412	145	12	variable	variable	NOUN
fsr-3412	145	13	.	.	PUNCT
fsr-3412	146	1	8	8	NUM
fsr-3412	146	2	k.	k.	PROPN
fsr-3412	146	3	tae	tae	PROPN
fsr-3412	146	4	kim	kim	PROPN
fsr-3412	146	5	et	et	PROPN
fsr-3412	146	6	al	al	PROPN
fsr-3412	146	7	.	.	PUNCT
fsr-3412	146	8	/	/	SYM
fsr-3412	146	9	financial	financial	ADJ
fsr-3412	146	10	services	service	NOUN
fsr-3412	146	11	review	review	VERB
fsr-3412	146	12	28	28	NUM
fsr-3412	146	13	(	(	PUNCT
fsr-3412	146	14	2020	2020	NUM
fsr-3412	146	15	)	)	PUNCT
fsr-3412	146	16	1	1	NUM
fsr-3412	146	17	-	-	SYM
fsr-3412	146	18	16	16	NUM
fsr-3412	146	19	4.3	4.3	NUM
fsr-3412	146	20	.	.	PUNCT
fsr-3412	147	1	multivariate	multivariate	NOUN
fsr-3412	147	2	results	result	NOUN
fsr-3412	147	3	table	table	NOUN
fsr-3412	147	4	3	3	NUM
fsr-3412	147	5	shows	show	VERB
fsr-3412	147	6	the	the	DET
fsr-3412	147	7	logistic	logistic	ADJ
fsr-3412	147	8	regression	regression	NOUN
fsr-3412	147	9	results	result	NOUN
fsr-3412	147	10	of	of	ADP
fsr-3412	147	11	the	the	DET
fsr-3412	147	12	likelihood	likelihood	NOUN
fsr-3412	147	13	of	of	ADP
fsr-3412	147	14	three	three	NUM
fsr-3412	147	15	different	different	ADJ
fsr-3412	147	16	types	type	NOUN
fsr-3412	147	17	of	of	ADP
fsr-3412	147	18	life	life	NOUN
fsr-3412	147	19	insurance	insurance	NOUN
fsr-3412	147	20	ownership	ownership	NOUN
fsr-3412	147	21	from	from	ADP
fsr-3412	147	22	the	the	DET
fsr-3412	147	23	1992–2016	1992–2016	NUM
fsr-3412	147	24	scf	scf	PROPN
fsr-3412	147	25	dataset	dataset	NOUN
fsr-3412	147	26	,	,	PUNCT
fsr-3412	147	27	controlling	control	VERB
fsr-3412	147	28	for	for	ADP
fsr-3412	147	29	household	household	NOUN
fsr-3412	147	30	characteristics	characteristic	NOUN
fsr-3412	147	31	.	.	PUNCT
fsr-3412	148	1	there	there	PRON
fsr-3412	148	2	was	be	VERB
fsr-3412	148	3	a	a	DET
fsr-3412	148	4	negative	negative	ADJ
fsr-3412	148	5	relationship	relationship	NOUN
fsr-3412	148	6	between	between	ADP
fsr-3412	148	7	the	the	DET
fsr-3412	148	8	survey	survey	NOUN
fsr-3412	148	9	year	year	NOUN
fsr-3412	148	10	and	and	CCONJ
fsr-3412	148	11	the	the	DET
fsr-3412	148	12	likelihood	likelihood	NOUN
fsr-3412	148	13	of	of	ADP
fsr-3412	148	14	life	life	NOUN
fsr-3412	148	15	insurance	insurance	NOUN
fsr-3412	148	16	ownership	ownership	NOUN
fsr-3412	148	17	for	for	ADP
fsr-3412	148	18	any	any	DET
fsr-3412	148	19	life	life	NOUN
fsr-3412	148	20	insurance	insurance	NOUN
fsr-3412	148	21	and	and	CCONJ
fsr-3412	148	22	cash	cash	NOUN
fsr-3412	148	23	value	value	NOUN
fsr-3412	148	24	life	life	NOUN
fsr-3412	148	25	insurance	insurance	NOUN
fsr-3412	148	26	,	,	PUNCT
fsr-3412	148	27	but	but	CCONJ
fsr-3412	148	28	the	the	DET
fsr-3412	148	29	relationship	relationship	NOUN
fsr-3412	148	30	was	be	AUX
fsr-3412	148	31	not	not	PART
fsr-3412	148	32	significant	significant	ADJ
fsr-3412	148	33	for	for	ADP
fsr-3412	148	34	term	term	NOUN
fsr-3412	148	35	life	life	NOUN
fsr-3412	148	36	insurance	insurance	NOUN
fsr-3412	148	37	ownership	ownership	NOUN
fsr-3412	148	38	.	.	PUNCT
fsr-3412	149	1	the	the	DET
fsr-3412	149	2	magnitudes	magnitude	NOUN
fsr-3412	149	3	of	of	ADP
fsr-3412	149	4	the	the	DET
fsr-3412	149	5	coefficients	coefficient	NOUN
fsr-3412	149	6	of	of	ADP
fsr-3412	149	7	the	the	DET
fsr-3412	149	8	time	time	NOUN
fsr-3412	149	9	trend	trend	NOUN
fsr-3412	149	10	for	for	ADP
fsr-3412	149	11	ownership	ownership	NOUN
fsr-3412	149	12	of	of	ADP
fsr-3412	149	13	any	any	DET
fsr-3412	149	14	life	life	NOUN
fsr-3412	149	15	insurance	insurance	NOUN
fsr-3412	149	16	,	,	PUNCT
fsr-3412	149	17	and	and	CCONJ
fsr-3412	149	18	also	also	ADV
fsr-3412	149	19	for	for	ADP
fsr-3412	149	20	ownership	ownership	NOUN
fsr-3412	149	21	of	of	ADP
fsr-3412	149	22	cash	cash	NOUN
fsr-3412	149	23	value	value	NOUN
fsr-3412	149	24	life	life	NOUN
fsr-3412	149	25	insurance	insurance	NOUN
fsr-3412	149	26	were	be	AUX
fsr-3412	149	27	very	very	ADV
fsr-3412	149	28	similar	similar	ADJ
fsr-3412	149	29	between	between	ADP
fsr-3412	149	30	the	the	DET
fsr-3412	149	31	results	result	NOUN
fsr-3412	149	32	in	in	ADP
fsr-3412	149	33	table	table	NOUN
fsr-3412	149	34	3	3	NUM
fsr-3412	149	35	and	and	CCONJ
fsr-3412	149	36	the	the	DET
fsr-3412	149	37	results	result	NOUN
fsr-3412	149	38	in	in	ADP
fsr-3412	149	39	table	table	NOUN
fsr-3412	149	40	1	1	NUM
fsr-3412	149	41	,	,	PUNCT
fsr-3412	149	42	suggesting	suggest	VERB
fsr-3412	149	43	that	that	SCONJ
fsr-3412	149	44	the	the	DET
fsr-3412	149	45	negative	negative	ADJ
fsr-3412	149	46	trends	trend	NOUN
fsr-3412	149	47	in	in	ADP
fsr-3412	149	48	ownership	ownership	NOUN
fsr-3412	149	49	and	and	CCONJ
fsr-3412	149	50	in	in	ADP
fsr-3412	149	51	cash	cash	NOUN
fsr-3412	149	52	value	value	NOUN
fsr-3412	149	53	life	life	NOUN
fsr-3412	149	54	insurance	insurance	NOUN
fsr-3412	149	55	were	be	AUX
fsr-3412	149	56	not	not	PART
fsr-3412	149	57	because	because	SCONJ
fsr-3412	149	58	of	of	ADP
fsr-3412	149	59	changes	change	NOUN
fsr-3412	149	60	in	in	ADP
fsr-3412	149	61	household	household	NOUN
fsr-3412	149	62	characteristics	characteristic	NOUN
fsr-3412	149	63	.	.	PUNCT
fsr-3412	150	1	however	however	ADV
fsr-3412	150	2	,	,	PUNCT
fsr-3412	150	3	the	the	DET
fsr-3412	150	4	effect	effect	NOUN
fsr-3412	150	5	of	of	ADP
fsr-3412	150	6	the	the	DET
fsr-3412	150	7	time	time	NOUN
fsr-3412	150	8	trend	trend	NOUN
fsr-3412	150	9	on	on	ADP
fsr-3412	150	10	term	term	NOUN
fsr-3412	150	11	life	life	NOUN
fsr-3412	150	12	insurance	insurance	NOUN
fsr-3412	150	13	ownership	ownership	NOUN
fsr-3412	150	14	was	be	AUX
fsr-3412	150	15	not	not	PART
fsr-3412	150	16	significant	significant	ADJ
fsr-3412	150	17	in	in	ADP
fsr-3412	150	18	table	table	NOUN
fsr-3412	150	19	3	3	NUM
fsr-3412	150	20	,	,	PUNCT
fsr-3412	150	21	and	and	CCONJ
fsr-3412	150	22	the	the	DET
fsr-3412	150	23	magnitude	magnitude	NOUN
fsr-3412	150	24	of	of	ADP
fsr-3412	150	25	table	table	NOUN
fsr-3412	150	26	3	3	NUM
fsr-3412	150	27	logistic	logistic	ADJ
fsr-3412	150	28	regression	regression	NOUN
fsr-3412	150	29	analysis	analysis	NOUN
fsr-3412	150	30	of	of	ADP
fsr-3412	150	31	likelihood	likelihood	NOUN
fsr-3412	150	32	of	of	ADP
fsr-3412	150	33	ownership	ownership	NOUN
fsr-3412	150	34	of	of	ADP
fsr-3412	150	35	any	any	DET
fsr-3412	150	36	,	,	PUNCT
fsr-3412	150	37	term	term	NOUN
fsr-3412	150	38	,	,	PUNCT
fsr-3412	150	39	and	and	CCONJ
fsr-3412	150	40	cash	cash	NOUN
fsr-3412	150	41	value	value	NOUN
fsr-3412	150	42	life	life	NOUN
fsr-3412	150	43	,	,	PUNCT
fsr-3412	150	44	1992–2016	1992–2016	NUM
fsr-3412	150	45	scf	scf	VERB
fsr-3412	150	46	any	any	DET
fsr-3412	150	47	life	life	NOUN
fsr-3412	150	48	insurance	insurance	NOUN
fsr-3412	150	49	term	term	NOUN
fsr-3412	150	50	life	life	NOUN
fsr-3412	150	51	insurance	insurance	NOUN
fsr-3412	150	52	cash	cash	NOUN
fsr-3412	150	53	value	value	NOUN
fsr-3412	150	54	life	life	NOUN
fsr-3412	150	55	insurance	insurance	NOUN
fsr-3412	150	56	coefficient	coefficient	NOUN
fsr-3412	150	57	standard	standard	ADJ
fsr-3412	150	58	error	error	NOUN
fsr-3412	150	59	coefficient	coefficient	NOUN
fsr-3412	150	60	standard	standard	ADJ
fsr-3412	150	61	error	error	NOUN
fsr-3412	150	62	coefficient	coefficient	NOUN
fsr-3412	150	63	standard	standard	ADJ
fsr-3412	150	64	error	error	NOUN
fsr-3412	150	65	survey	survey	NOUN
fsr-3412	150	66	year	year	NOUN
fsr-3412	150	67	�	�	NOUN
fsr-3412	150	68	0.0277	0.0277	NOUN
fsr-3412	150	69	*	*	PUNCT
fsr-3412	151	1	*	*	PUNCT
fsr-3412	151	2	*	*	X
fsr-3412	151	3	0.0034	0.0034	NUM
fsr-3412	151	4	�	�	PROPN
fsr-3412	151	5	0.0039	0.0039	NUM
fsr-3412	151	6	0.0030	0.0030	NUM
fsr-3412	151	7	�	�	PROPN
fsr-3412	151	8	0.0422	0.0422	NUM
fsr-3412	151	9	*	*	PUNCT
fsr-3412	151	10	*	*	PUNCT
fsr-3412	151	11	*	*	X
fsr-3412	151	12	0.0033	0.0033	NUM
fsr-3412	151	13	age	age	NOUN
fsr-3412	151	14	of	of	ADP
fsr-3412	151	15	head	head	NOUN
fsr-3412	151	16	0.0776	0.0776	NUM
fsr-3412	151	17	*	*	PUNCT
fsr-3412	151	18	*	*	PUNCT
fsr-3412	151	19	*	*	X
fsr-3412	151	20	0.0093	0.0093	NUM
fsr-3412	151	21	0.0838	0.0838	NUM
fsr-3412	151	22	*	*	PUNCT
fsr-3412	151	23	*	*	PUNCT
fsr-3412	151	24	*	*	X
fsr-3412	151	25	0.0092	0.0092	NUM
fsr-3412	151	26	0.0510	0.0510	NUM
fsr-3412	151	27	*	*	PUNCT
fsr-3412	151	28	*	*	PUNCT
fsr-3412	151	29	*	*	X
fsr-3412	151	30	0.0108	0.0108	NUM
fsr-3412	151	31	age	age	NOUN
fsr-3412	151	32	squared	square	VERB
fsr-3412	151	33	(	(	PUNCT
fsr-3412	151	34	/10000	/10000	PUNCT
fsr-3412	151	35	)	)	PUNCT
fsr-3412	151	36	�	�	NOUN
fsr-3412	151	37	6.3726	6.3726	NUM
fsr-3412	151	38	*	*	PUNCT
fsr-3412	151	39	*	*	PUNCT
fsr-3412	151	40	*	*	PUNCT
fsr-3412	151	41	0.8658	0.8658	NUM
fsr-3412	151	42	�	�	NOUN
fsr-3412	151	43	8.6443	8.6443	NUM
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fsr-3412	151	46	*	*	PUNCT
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fsr-3412	151	51	*	*	X
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fsr-3412	151	57	reference	reference	NOUN
fsr-3412	151	58	:	:	PUNCT
fsr-3412	151	59	white	white	ADJ
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fsr-3412	151	63	*	*	PUNCT
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fsr-3412	151	68	*	*	PUNCT
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fsr-3412	151	83	�	�	NOUN
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fsr-3412	151	85	*	*	PUNCT
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fsr-3412	151	89	�	�	NUM
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fsr-3412	151	103	�	�	NOUN
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fsr-3412	151	111	homeowner	homeowner	NOUN
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fsr-3412	151	118	*	*	PUNCT
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fsr-3412	152	22	�	�	NOUN
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fsr-3412	152	42	�	�	NOUN
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fsr-3412	152	44	*	*	PUNCT
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fsr-3412	152	50	*	*	PUNCT
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fsr-3412	152	54	partnered	partner	VERB
fsr-3412	152	55	�	�	NOUN
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fsr-3412	152	57	*	*	PUNCT
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fsr-3412	152	60	0.1021	0.1021	NUM
fsr-3412	152	61	�	�	NOUN
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fsr-3412	152	63	*	*	PUNCT
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fsr-3412	154	17	reference	reference	NOUN
fsr-3412	154	18	:	:	PUNCT
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fsr-3412	154	29	0.0574	0.0574	NUM
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fsr-3412	154	52	intercept	intercept	VERB
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fsr-3412	154	60	concordance	concordance	NOUN
fsr-3412	154	61	75.6	75.6	NUM
fsr-3412	154	62	%	%	NOUN
fsr-3412	154	63	70.7	70.7	NUM
fsr-3412	154	64	%	%	NOUN
fsr-3412	154	65	72.0	72.0	NUM
fsr-3412	154	66	%	%	NOUN
fsr-3412	154	67	note	note	NOUN
fsr-3412	154	68	:	:	PUNCT
fsr-3412	154	69	*	*	PUNCT
fsr-3412	154	70	p	p	X
fsr-3412	154	71	�	�	PROPN
fsr-3412	154	72	0.05	0.05	NUM
fsr-3412	154	73	,	,	PUNCT
fsr-3412	154	74	*	*	PUNCT
fsr-3412	154	75	*	*	PUNCT
fsr-3412	154	76	p	p	X
fsr-3412	154	77	�	�	PROPN
fsr-3412	154	78	0.01	0.01	NUM
fsr-3412	154	79	,	,	PUNCT
fsr-3412	154	80	*	*	PUNCT
fsr-3412	154	81	*	*	PUNCT
fsr-3412	154	82	*	*	PUNCT
fsr-3412	154	83	p	p	PROPN
fsr-3412	154	84	�	�	PROPN
fsr-3412	154	85	0.001	0.001	NUM
fsr-3412	154	86	.	.	PUNCT
fsr-3412	155	1	unweighted	unweighte	VERB
fsr-3412	155	2	analysis	analysis	NOUN
fsr-3412	155	3	with	with	ADP
fsr-3412	155	4	rii	rii	ADJ
fsr-3412	155	5	technique	technique	NOUN
fsr-3412	155	6	.	.	PUNCT
fsr-3412	156	1	n	n	PROPN
fsr-3412	156	2	�	�	PROPN
fsr-3412	156	3	43,751	43,751	NUM
fsr-3412	156	4	.	.	PUNCT
fsr-3412	157	1	9k	9k	NUM
fsr-3412	157	2	.	.	PUNCT
fsr-3412	158	1	tae	tae	PROPN
fsr-3412	158	2	kim	kim	PROPN
fsr-3412	158	3	et	et	PROPN
fsr-3412	158	4	al	al	PROPN
fsr-3412	158	5	.	.	PUNCT
fsr-3412	158	6	/	/	SYM
fsr-3412	158	7	financial	financial	ADJ
fsr-3412	158	8	services	service	NOUN
fsr-3412	158	9	review	review	VERB
fsr-3412	158	10	28	28	NUM
fsr-3412	158	11	(	(	PUNCT
fsr-3412	158	12	2020	2020	NUM
fsr-3412	158	13	)	)	PUNCT
fsr-3412	158	14	1	1	NUM
fsr-3412	158	15	-	-	SYM
fsr-3412	158	16	16	16	NUM
fsr-3412	158	17	the	the	DET
fsr-3412	158	18	effect	effect	NOUN
fsr-3412	158	19	was	be	AUX
fsr-3412	158	20	much	much	ADV
fsr-3412	158	21	less	less	ADJ
fsr-3412	158	22	than	than	ADP
fsr-3412	158	23	the	the	DET
fsr-3412	158	24	magnitude	magnitude	NOUN
fsr-3412	158	25	in	in	ADP
fsr-3412	158	26	table	table	NOUN
fsr-3412	158	27	1	1	NUM
fsr-3412	158	28	,	,	PUNCT
fsr-3412	158	29	suggesting	suggest	VERB
fsr-3412	158	30	that	that	SCONJ
fsr-3412	158	31	the	the	DET
fsr-3412	158	32	decrease	decrease	NOUN
fsr-3412	158	33	in	in	ADP
fsr-3412	158	34	term	term	NOUN
fsr-3412	158	35	life	life	NOUN
fsr-3412	158	36	insurance	insurance	NOUN
fsr-3412	158	37	might	might	AUX
fsr-3412	158	38	have	have	AUX
fsr-3412	158	39	been	be	AUX
fsr-3412	158	40	because	because	SCONJ
fsr-3412	158	41	of	of	ADP
fsr-3412	158	42	changes	change	NOUN
fsr-3412	158	43	in	in	ADP
fsr-3412	158	44	household	household	NOUN
fsr-3412	158	45	characteristics	characteristic	NOUN
fsr-3412	158	46	from	from	ADP
fsr-3412	158	47	1992	1992	NUM
fsr-3412	158	48	to	to	ADP
fsr-3412	158	49	2016	2016	NUM
fsr-3412	158	50	.	.	PUNCT
fsr-3412	159	1	both	both	PRON
fsr-3412	159	2	age	age	NOUN
fsr-3412	159	3	and	and	CCONJ
fsr-3412	159	4	age	age	NOUN
fsr-3412	159	5	squared	square	VERB
fsr-3412	159	6	were	be	AUX
fsr-3412	159	7	significantly	significantly	ADV
fsr-3412	159	8	related	relate	VERB
fsr-3412	159	9	to	to	ADP
fsr-3412	159	10	the	the	DET
fsr-3412	159	11	likelihood	likelihood	NOUN
fsr-3412	159	12	of	of	ADP
fsr-3412	159	13	insurance	insurance	NOUN
fsr-3412	159	14	ownership	ownership	NOUN
fsr-3412	159	15	in	in	ADP
fsr-3412	159	16	each	each	DET
fsr-3412	159	17	regression	regression	NOUN
fsr-3412	159	18	.	.	PUNCT
fsr-3412	160	1	the	the	DET
fsr-3412	160	2	combined	combined	ADJ
fsr-3412	160	3	effect	effect	NOUN
fsr-3412	160	4	of	of	ADP
fsr-3412	160	5	the	the	DET
fsr-3412	160	6	age	age	NOUN
fsr-3412	160	7	variables	variable	NOUN
fsr-3412	160	8	implies	imply	VERB
fsr-3412	160	9	that	that	SCONJ
fsr-3412	160	10	at	at	ADP
fsr-3412	160	11	the	the	DET
fsr-3412	160	12	2016	2016	NUM
fsr-3412	160	13	mean	mean	NOUN
fsr-3412	160	14	values	value	NOUN
fsr-3412	160	15	of	of	ADP
fsr-3412	160	16	other	other	ADJ
fsr-3412	160	17	independent	independent	ADJ
fsr-3412	160	18	variables	variable	NOUN
fsr-3412	160	19	,	,	PUNCT
fsr-3412	160	20	the	the	DET
fsr-3412	160	21	likelihood	likelihood	NOUN
fsr-3412	160	22	of	of	ADP
fsr-3412	160	23	owning	own	VERB
fsr-3412	160	24	any	any	DET
fsr-3412	160	25	life	life	NOUN
fsr-3412	160	26	insurance	insurance	NOUN
fsr-3412	160	27	increased	increase	VERB
fsr-3412	160	28	with	with	ADP
fsr-3412	160	29	age	age	NOUN
fsr-3412	160	30	until	until	ADP
fsr-3412	160	31	age	age	NOUN
fsr-3412	160	32	61	61	NUM
fsr-3412	160	33	,	,	PUNCT
fsr-3412	160	34	then	then	ADV
fsr-3412	160	35	decreased	decrease	VERB
fsr-3412	160	36	with	with	ADP
fsr-3412	160	37	age	age	NOUN
fsr-3412	160	38	;	;	PUNCT
fsr-3412	160	39	ownership	ownership	NOUN
fsr-3412	160	40	of	of	ADP
fsr-3412	160	41	term	term	NOUN
fsr-3412	160	42	life	life	NOUN
fsr-3412	160	43	insurance	insurance	NOUN
fsr-3412	160	44	increased	increase	VERB
fsr-3412	160	45	with	with	ADP
fsr-3412	160	46	age	age	NOUN
fsr-3412	160	47	until	until	ADP
fsr-3412	160	48	age	age	NOUN
fsr-3412	160	49	48	48	NUM
fsr-3412	160	50	,	,	PUNCT
fsr-3412	160	51	then	then	ADV
fsr-3412	160	52	decreased	decrease	VERB
fsr-3412	160	53	with	with	ADP
fsr-3412	160	54	age	age	NOUN
fsr-3412	160	55	;	;	PUNCT
fsr-3412	160	56	and	and	CCONJ
fsr-3412	160	57	ownership	ownership	NOUN
fsr-3412	160	58	of	of	ADP
fsr-3412	160	59	cash	cash	NOUN
fsr-3412	160	60	value	value	NOUN
fsr-3412	160	61	life	life	NOUN
fsr-3412	160	62	insurance	insurance	NOUN
fsr-3412	160	63	increased	increase	VERB
fsr-3412	160	64	with	with	ADP
fsr-3412	160	65	age	age	NOUN
fsr-3412	160	66	for	for	ADP
fsr-3412	160	67	all	all	DET
fsr-3412	160	68	ages	age	NOUN
fsr-3412	160	69	in	in	ADP
fsr-3412	160	70	the	the	DET
fsr-3412	160	71	sample	sample	NOUN
fsr-3412	160	72	.	.	PUNCT
fsr-3412	161	1	fig	fig	NOUN
fsr-3412	161	2	.	.	PUNCT
fsr-3412	162	1	2	2	NUM
fsr-3412	162	2	shows	show	VERB
fsr-3412	162	3	the	the	DET
fsr-3412	162	4	calculated	calculate	VERB
fsr-3412	162	5	relationship	relationship	NOUN
fsr-3412	162	6	between	between	ADP
fsr-3412	162	7	age	age	NOUN
fsr-3412	162	8	of	of	ADP
fsr-3412	162	9	the	the	DET
fsr-3412	162	10	head	head	NOUN
fsr-3412	162	11	and	and	CCONJ
fsr-3412	162	12	the	the	DET
fsr-3412	162	13	likelihood	likelihood	NOUN
fsr-3412	162	14	of	of	ADP
fsr-3412	162	15	ownership	ownership	NOUN
fsr-3412	162	16	of	of	ADP
fsr-3412	162	17	each	each	DET
fsr-3412	162	18	type	type	NOUN
fsr-3412	162	19	of	of	ADP
fsr-3412	162	20	life	life	NOUN
fsr-3412	162	21	insurance	insurance	NOUN
fsr-3412	162	22	,	,	PUNCT
fsr-3412	162	23	based	base	VERB
fsr-3412	162	24	on	on	ADP
fsr-3412	162	25	the	the	DET
fsr-3412	162	26	coefficients	coefficient	NOUN
fsr-3412	162	27	in	in	ADP
fsr-3412	162	28	table	table	NOUN
fsr-3412	162	29	3	3	NUM
fsr-3412	162	30	and	and	CCONJ
fsr-3412	162	31	assuming	assume	VERB
fsr-3412	162	32	the	the	DET
fsr-3412	162	33	2016	2016	NUM
fsr-3412	162	34	mean	mean	NOUN
fsr-3412	162	35	values	value	NOUN
fsr-3412	162	36	of	of	ADP
fsr-3412	162	37	other	other	ADJ
fsr-3412	162	38	independent	independent	ADJ
fsr-3412	162	39	variables	variable	NOUN
fsr-3412	162	40	.	.	PUNCT
fsr-3412	163	1	this	this	DET
fsr-3412	163	2	pattern	pattern	NOUN
fsr-3412	163	3	is	be	AUX
fsr-3412	163	4	plausibly	plausibly	ADV
fsr-3412	163	5	related	relate	VERB
fsr-3412	163	6	to	to	ADP
fsr-3412	163	7	the	the	DET
fsr-3412	163	8	cost	cost	NOUN
fsr-3412	163	9	of	of	ADP
fsr-3412	163	10	life	life	NOUN
fsr-3412	163	11	insurance	insurance	NOUN
fsr-3412	163	12	,	,	PUNCT
fsr-3412	163	13	which	which	PRON
fsr-3412	163	14	increases	increase	VERB
fsr-3412	163	15	substantially	substantially	ADV
fsr-3412	163	16	with	with	ADP
fsr-3412	163	17	age	age	NOUN
fsr-3412	163	18	.	.	PUNCT
fsr-3412	164	1	households	household	NOUN
fsr-3412	164	2	who	who	PRON
fsr-3412	164	3	purchased	purchase	VERB
fsr-3412	164	4	20	20	NUM
fsr-3412	164	5	-	-	PUNCT
fsr-3412	164	6	year	year	NOUN
fsr-3412	164	7	term	term	NOUN
fsr-3412	164	8	policies	policy	NOUN
fsr-3412	164	9	in	in	ADP
fsr-3412	164	10	their	their	PRON
fsr-3412	164	11	40s	40	NOUN
fsr-3412	164	12	and	and	CCONJ
fsr-3412	164	13	50s	50	NOUN
fsr-3412	164	14	would	would	AUX
fsr-3412	164	15	have	have	VERB
fsr-3412	164	16	expiring	expire	VERB
fsr-3412	164	17	policies	policy	NOUN
fsr-3412	164	18	in	in	ADP
fsr-3412	164	19	their	their	PRON
fsr-3412	164	20	60s	60	NOUN
fsr-3412	164	21	and	and	CCONJ
fsr-3412	164	22	70s	70	NOUN
fsr-3412	164	23	.	.	PUNCT
fsr-3412	165	1	at	at	ADP
fsr-3412	165	2	this	this	DET
fsr-3412	165	3	point	point	NOUN
fsr-3412	165	4	in	in	ADP
fsr-3412	165	5	life	life	NOUN
fsr-3412	165	6	the	the	DET
fsr-3412	165	7	cost	cost	NOUN
fsr-3412	165	8	of	of	ADP
fsr-3412	165	9	the	the	DET
fsr-3412	165	10	insurance	insurance	NOUN
fsr-3412	165	11	may	may	AUX
fsr-3412	165	12	outweigh	outweigh	VERB
fsr-3412	165	13	the	the	DET
fsr-3412	165	14	benefits	benefit	NOUN
fsr-3412	165	15	,	,	PUNCT
fsr-3412	165	16	particularly	particularly	ADV
fsr-3412	165	17	if	if	SCONJ
fsr-3412	165	18	the	the	DET
fsr-3412	165	19	household	household	NOUN
fsr-3412	165	20	has	have	VERB
fsr-3412	165	21	relatively	relatively	ADV
fsr-3412	165	22	little	little	ADJ
fsr-3412	165	23	debt	debt	NOUN
fsr-3412	165	24	and	and	CCONJ
fsr-3412	165	25	has	have	VERB
fsr-3412	165	26	adequate	adequate	ADJ
fsr-3412	165	27	assets	asset	NOUN
fsr-3412	165	28	to	to	PART
fsr-3412	165	29	offset	offset	VERB
fsr-3412	165	30	the	the	DET
fsr-3412	165	31	loss	loss	NOUN
fsr-3412	165	32	of	of	ADP
fsr-3412	165	33	income	income	NOUN
fsr-3412	165	34	resulting	result	VERB
fsr-3412	165	35	from	from	ADP
fsr-3412	165	36	the	the	DET
fsr-3412	165	37	death	death	NOUN
fsr-3412	165	38	of	of	ADP
fsr-3412	165	39	a	a	DET
fsr-3412	165	40	spouse	spouse	NOUN
fsr-3412	165	41	or	or	CCONJ
fsr-3412	165	42	significant	significant	ADJ
fsr-3412	165	43	other	other	ADJ
fsr-3412	165	44	.	.	PUNCT
fsr-3412	166	1	on	on	ADP
fsr-3412	166	2	the	the	DET
fsr-3412	166	3	other	other	ADJ
fsr-3412	166	4	hand	hand	NOUN
fsr-3412	166	5	,	,	PUNCT
fsr-3412	166	6	given	give	VERB
fsr-3412	166	7	estate	estate	NOUN
fsr-3412	166	8	planning	planning	NOUN
fsr-3412	166	9	goals	goal	NOUN
fsr-3412	166	10	and	and	CCONJ
fsr-3412	166	11	reduced	reduce	VERB
fsr-3412	166	12	opportunities	opportunity	NOUN
fsr-3412	166	13	for	for	ADP
fsr-3412	166	14	tax	tax	NOUN
fsr-3412	166	15	sheltered	shelter	VERB
fsr-3412	166	16	retirement	retirement	NOUN
fsr-3412	166	17	accounts	account	NOUN
fsr-3412	166	18	after	after	ADP
fsr-3412	166	19	age	age	NOUN
fsr-3412	166	20	70	70	NUM
fsr-3412	166	21	,	,	PUNCT
fsr-3412	166	22	the	the	DET
fsr-3412	166	23	estimated	estimate	VERB
fsr-3412	166	24	increase	increase	NOUN
fsr-3412	166	25	in	in	ADP
fsr-3412	166	26	ownership	ownership	NOUN
fsr-3412	166	27	with	with	ADP
fsr-3412	166	28	age	age	NOUN
fsr-3412	166	29	of	of	ADP
fsr-3412	166	30	cash	cash	NOUN
fsr-3412	166	31	value	value	NOUN
fsr-3412	166	32	ownership	ownership	NOUN
fsr-3412	166	33	is	be	AUX
fsr-3412	166	34	plausible	plausible	ADJ
fsr-3412	166	35	,	,	PUNCT
fsr-3412	166	36	since	since	SCONJ
fsr-3412	166	37	household	household	NOUN
fsr-3412	166	38	income	income	NOUN
fsr-3412	166	39	is	be	AUX
fsr-3412	166	40	assumed	assume	VERB
fsr-3412	166	41	to	to	PART
fsr-3412	166	42	remain	remain	VERB
fsr-3412	166	43	at	at	ADP
fsr-3412	166	44	the	the	DET
fsr-3412	166	45	overall	overall	ADJ
fsr-3412	166	46	2016	2016	NUM
fsr-3412	166	47	sample	sample	NOUN
fsr-3412	167	1	mean	mean	VERB
fsr-3412	167	2	.	.	PUNCT
fsr-3412	168	1	for	for	ADP
fsr-3412	168	2	the	the	DET
fsr-3412	168	3	remaining	remain	VERB
fsr-3412	168	4	independent	independent	ADJ
fsr-3412	168	5	variables	variable	NOUN
fsr-3412	168	6	in	in	ADP
fsr-3412	168	7	table	table	NOUN
fsr-3412	168	8	3	3	NUM
fsr-3412	168	9	,	,	PUNCT
fsr-3412	168	10	we	we	PRON
fsr-3412	168	11	discuss	discuss	VERB
fsr-3412	168	12	only	only	ADV
fsr-3412	168	13	the	the	DET
fsr-3412	168	14	effects	effect	NOUN
fsr-3412	168	15	for	for	ADP
fsr-3412	168	16	ownership	ownership	NOUN
fsr-3412	168	17	of	of	ADP
fsr-3412	168	18	any	any	DET
fsr-3412	168	19	life	life	NOUN
fsr-3412	168	20	insurance	insurance	NOUN
fsr-3412	168	21	,	,	PUNCT
fsr-3412	168	22	though	though	SCONJ
fsr-3412	168	23	for	for	ADP
fsr-3412	168	24	many	many	ADJ
fsr-3412	168	25	of	of	ADP
fsr-3412	168	26	the	the	DET
fsr-3412	168	27	variables	variable	NOUN
fsr-3412	168	28	,	,	PUNCT
fsr-3412	168	29	the	the	DET
fsr-3412	168	30	effects	effect	NOUN
fsr-3412	168	31	were	be	AUX
fsr-3412	168	32	similar	similar	ADJ
fsr-3412	168	33	for	for	ADP
fsr-3412	168	34	ownership	ownership	NOUN
fsr-3412	168	35	of	of	ADP
fsr-3412	168	36	term	term	NOUN
fsr-3412	168	37	life	life	NOUN
fsr-3412	168	38	insurance	insurance	NOUN
fsr-3412	168	39	and	and	CCONJ
fsr-3412	168	40	of	of	ADP
fsr-3412	168	41	cash	cash	NOUN
fsr-3412	168	42	value	value	NOUN
fsr-3412	168	43	life	life	NOUN
fsr-3412	168	44	insurance	insurance	NOUN
fsr-3412	168	45	.	.	PUNCT
fsr-3412	169	1	for	for	ADP
fsr-3412	169	2	racial	racial	ADJ
fsr-3412	169	3	/	/	SYM
fsr-3412	169	4	ethnic	ethnic	ADJ
fsr-3412	169	5	patterns	pattern	NOUN
fsr-3412	169	6	based	base	VERB
fsr-3412	169	7	on	on	ADP
fsr-3412	169	8	the	the	DET
fsr-3412	169	9	regressions	regression	NOUN
fsr-3412	169	10	in	in	ADP
fsr-3412	169	11	table	table	NOUN
fsr-3412	169	12	3	3	NUM
fsr-3412	169	13	,	,	PUNCT
fsr-3412	169	14	assuming	assume	VERB
fsr-3412	169	15	other	other	ADJ
fsr-3412	169	16	household	household	NOUN
fsr-3412	169	17	characteristics	characteristic	NOUN
fsr-3412	169	18	had	have	VERB
fsr-3412	169	19	the	the	DET
fsr-3412	169	20	mean	mean	ADJ
fsr-3412	169	21	levels	level	NOUN
fsr-3412	169	22	for	for	ADP
fsr-3412	169	23	2016	2016	NUM
fsr-3412	169	24	,	,	PUNCT
fsr-3412	169	25	black	black	ADJ
fsr-3412	169	26	households	household	NOUN
fsr-3412	169	27	had	have	VERB
fsr-3412	169	28	the	the	DET
fsr-3412	169	29	highest	high	ADJ
fsr-3412	169	30	predicted	predict	VERB
fsr-3412	169	31	likelihood	likelihood	NOUN
fsr-3412	169	32	of	of	ADP
fsr-3412	169	33	owning	own	VERB
fsr-3412	169	34	life	life	NOUN
fsr-3412	169	35	insurance	insurance	NOUN
fsr-3412	169	36	,	,	PUNCT
fsr-3412	169	37	over	over	ADP
fsr-3412	169	38	73	73	NUM
fsr-3412	169	39	%	%	NOUN
fsr-3412	169	40	,	,	PUNCT
fsr-3412	169	41	compared	compare	VERB
fsr-3412	169	42	with	with	ADP
fsr-3412	169	43	61	61	NUM
fsr-3412	169	44	%	%	NOUN
fsr-3412	169	45	for	for	ADP
fsr-3412	169	46	white	white	ADJ
fsr-3412	169	47	households	household	NOUN
fsr-3412	169	48	,	,	PUNCT
fsr-3412	169	49	53	53	NUM
fsr-3412	169	50	%	%	NOUN
fsr-3412	169	51	for	for	ADP
fsr-3412	169	52	asian	asian	ADJ
fsr-3412	169	53	/	/	SYM
fsr-3412	169	54	other	other	ADJ
fsr-3412	169	55	households	household	NOUN
fsr-3412	169	56	,	,	PUNCT
fsr-3412	169	57	and	and	CCONJ
fsr-3412	169	58	only	only	ADV
fsr-3412	169	59	36	36	NUM
fsr-3412	169	60	%	%	NOUN
fsr-3412	169	61	for	for	ADP
fsr-3412	169	62	hispanic	hispanic	ADJ
fsr-3412	169	63	households	household	NOUN
fsr-3412	169	64	.	.	PUNCT
fsr-3412	170	1	there	there	PRON
fsr-3412	170	2	is	be	VERB
fsr-3412	170	3	no	no	DET
fsr-3412	170	4	theoretical	theoretical	ADJ
fsr-3412	170	5	reason	reason	NOUN
fsr-3412	170	6	for	for	ADP
fsr-3412	170	7	there	there	PRON
fsr-3412	170	8	fig	fig	NOUN
fsr-3412	170	9	.	.	PUNCT
fsr-3412	171	1	2	2	X
fsr-3412	171	2	.	.	X
fsr-3412	171	3	effect	effect	NOUN
fsr-3412	171	4	of	of	ADP
fsr-3412	171	5	age	age	NOUN
fsr-3412	171	6	on	on	ADP
fsr-3412	171	7	the	the	DET
fsr-3412	171	8	proportion	proportion	NOUN
fsr-3412	171	9	of	of	ADP
fsr-3412	171	10	households	household	NOUN
fsr-3412	171	11	owning	own	VERB
fsr-3412	171	12	any	any	PRON
fsr-3412	171	13	,	,	PUNCT
fsr-3412	171	14	term	term	NOUN
fsr-3412	171	15	,	,	PUNCT
fsr-3412	171	16	and	and	CCONJ
fsr-3412	171	17	cash	cash	NOUN
fsr-3412	171	18	value	value	NOUN
fsr-3412	171	19	life	life	NOUN
fsr-3412	171	20	insurance	insurance	NOUN
fsr-3412	171	21	,	,	PUNCT
fsr-3412	171	22	assuming	assume	VERB
fsr-3412	171	23	other	other	ADJ
fsr-3412	171	24	household	household	NOUN
fsr-3412	171	25	characteristics	characteristic	NOUN
fsr-3412	171	26	have	have	VERB
fsr-3412	171	27	2016	2016	NUM
fsr-3412	171	28	mean	mean	ADJ
fsr-3412	171	29	levels	level	NOUN
fsr-3412	171	30	.	.	PUNCT
fsr-3412	172	1	estimates	estimate	NOUN
fsr-3412	172	2	based	base	VERB
fsr-3412	172	3	on	on	ADP
fsr-3412	172	4	logistic	logistic	ADJ
fsr-3412	172	5	regressions	regression	NOUN
fsr-3412	172	6	in	in	ADP
fsr-3412	172	7	table	table	NOUN
fsr-3412	172	8	3	3	NUM
fsr-3412	172	9	.	.	PROPN
fsr-3412	172	10	10	10	NUM
fsr-3412	172	11	k.	k.	PROPN
fsr-3412	172	12	tae	tae	PROPN
fsr-3412	173	1	kim	kim	PROPN
fsr-3412	173	2	et	et	PROPN
fsr-3412	173	3	al	al	PROPN
fsr-3412	173	4	.	.	PUNCT
fsr-3412	173	5	/	/	SYM
fsr-3412	173	6	financial	financial	ADJ
fsr-3412	173	7	services	service	NOUN
fsr-3412	173	8	review	review	VERB
fsr-3412	173	9	28	28	NUM
fsr-3412	173	10	(	(	PUNCT
fsr-3412	173	11	2020	2020	NUM
fsr-3412	173	12	)	)	PUNCT
fsr-3412	173	13	1	1	NUM
fsr-3412	173	14	-	-	SYM
fsr-3412	173	15	16	16	NUM
fsr-3412	173	16	to	to	PART
fsr-3412	173	17	be	be	AUX
fsr-3412	173	18	differences	difference	NOUN
fsr-3412	173	19	in	in	ADP
fsr-3412	173	20	life	life	NOUN
fsr-3412	173	21	insurance	insurance	NOUN
fsr-3412	173	22	ownership	ownership	NOUN
fsr-3412	173	23	between	between	ADP
fsr-3412	173	24	difference	difference	NOUN
fsr-3412	173	25	race	race	NOUN
fsr-3412	173	26	/	/	SYM
fsr-3412	173	27	ethnic	ethnic	ADJ
fsr-3412	173	28	groups	group	NOUN
fsr-3412	173	29	,	,	PUNCT
fsr-3412	173	30	if	if	SCONJ
fsr-3412	173	31	other	other	ADJ
fsr-3412	173	32	household	household	NOUN
fsr-3412	173	33	characteristics	characteristic	NOUN
fsr-3412	173	34	are	be	AUX
fsr-3412	173	35	equal	equal	ADJ
fsr-3412	173	36	.	.	PUNCT
fsr-3412	174	1	the	the	DET
fsr-3412	174	2	reason	reason	NOUN
fsr-3412	174	3	for	for	ADP
fsr-3412	174	4	these	these	DET
fsr-3412	174	5	differences	difference	NOUN
fsr-3412	174	6	may	may	AUX
fsr-3412	174	7	be	be	AUX
fsr-3412	174	8	related	relate	VERB
fsr-3412	174	9	to	to	ADP
fsr-3412	174	10	differences	difference	NOUN
fsr-3412	174	11	in	in	ADP
fsr-3412	174	12	marketing	marketing	NOUN
fsr-3412	174	13	practices	practice	NOUN
fsr-3412	174	14	of	of	ADP
fsr-3412	174	15	insurance	insurance	NOUN
fsr-3412	174	16	companies	company	NOUN
fsr-3412	174	17	.	.	PUNCT
fsr-3412	175	1	hispanic	hispanic	ADJ
fsr-3412	175	2	and	and	CCONJ
fsr-3412	175	3	asian	asian	ADJ
fsr-3412	175	4	households	household	NOUN
fsr-3412	175	5	consist	consist	VERB
fsr-3412	175	6	of	of	ADP
fsr-3412	175	7	a	a	DET
fsr-3412	175	8	higher	high	ADJ
fsr-3412	175	9	proportion	proportion	NOUN
fsr-3412	175	10	of	of	ADP
fsr-3412	175	11	immigrant	immigrant	ADJ
fsr-3412	175	12	households	household	NOUN
fsr-3412	175	13	,	,	PUNCT
fsr-3412	175	14	so	so	SCONJ
fsr-3412	175	15	it	it	PRON
fsr-3412	175	16	is	be	AUX
fsr-3412	175	17	possible	possible	ADJ
fsr-3412	175	18	that	that	SCONJ
fsr-3412	175	19	insurance	insurance	NOUN
fsr-3412	175	20	companies	company	NOUN
fsr-3412	175	21	have	have	AUX
fsr-3412	175	22	not	not	PART
fsr-3412	175	23	effectively	effectively	ADV
fsr-3412	175	24	found	find	VERB
fsr-3412	175	25	a	a	DET
fsr-3412	175	26	way	way	NOUN
fsr-3412	175	27	to	to	ADP
fsr-3412	175	28	market	market	VERB
fsr-3412	175	29	to	to	ADP
fsr-3412	175	30	these	these	DET
fsr-3412	175	31	individuals	individual	NOUN
fsr-3412	175	32	(	(	PUNCT
fsr-3412	175	33	mountain	mountain	NOUN
fsr-3412	175	34	,	,	PUNCT
fsr-3412	175	35	2015	2015	NUM
fsr-3412	175	36	)	)	PUNCT
fsr-3412	175	37	,	,	PUNCT
fsr-3412	175	38	especially	especially	ADV
fsr-3412	175	39	if	if	SCONJ
fsr-3412	175	40	life	life	NOUN
fsr-3412	175	41	insurance	insurance	NOUN
fsr-3412	175	42	is	be	AUX
fsr-3412	175	43	a	a	DET
fsr-3412	175	44	product	product	NOUN
fsr-3412	175	45	that	that	PRON
fsr-3412	175	46	is	be	AUX
fsr-3412	175	47	not	not	PART
fsr-3412	175	48	well	well	ADV
fsr-3412	175	49	established	establish	VERB
fsr-3412	175	50	in	in	ADP
fsr-3412	175	51	their	their	PRON
fsr-3412	175	52	country	country	NOUN
fsr-3412	175	53	of	of	ADP
fsr-3412	175	54	origin	origin	NOUN
fsr-3412	175	55	.	.	PUNCT
fsr-3412	176	1	hispanic	hispanic	ADJ
fsr-3412	176	2	and	and	CCONJ
fsr-3412	176	3	asian	asian	ADJ
fsr-3412	176	4	households	household	NOUN
fsr-3412	176	5	may	may	AUX
fsr-3412	176	6	also	also	ADV
fsr-3412	176	7	rely	rely	VERB
fsr-3412	176	8	more	more	ADV
fsr-3412	176	9	heavily	heavily	ADV
fsr-3412	176	10	on	on	ADP
fsr-3412	176	11	their	their	PRON
fsr-3412	176	12	extended	extended	ADJ
fsr-3412	176	13	family	family	NOUN
fsr-3412	176	14	network	network	NOUN
fsr-3412	176	15	than	than	ADP
fsr-3412	176	16	both	both	CCONJ
fsr-3412	176	17	black	black	ADJ
fsr-3412	176	18	and	and	CCONJ
fsr-3412	176	19	white	white	ADJ
fsr-3412	176	20	households	household	NOUN
fsr-3412	176	21	,	,	PUNCT
fsr-3412	176	22	something	something	PRON
fsr-3412	176	23	that	that	PRON
fsr-3412	176	24	is	be	AUX
fsr-3412	176	25	not	not	PART
fsr-3412	176	26	measured	measure	VERB
fsr-3412	176	27	in	in	ADP
fsr-3412	176	28	the	the	DET
fsr-3412	176	29	scf	scf	PROPN
fsr-3412	176	30	.	.	PUNCT
fsr-3412	177	1	for	for	ADP
fsr-3412	177	2	the	the	DET
fsr-3412	177	3	relationship	relationship	NOUN
fsr-3412	177	4	between	between	ADP
fsr-3412	177	5	marital	marital	ADJ
fsr-3412	177	6	status	status	NOUN
fsr-3412	177	7	and	and	CCONJ
fsr-3412	177	8	life	life	NOUN
fsr-3412	177	9	insurance	insurance	NOUN
fsr-3412	177	10	ownership	ownership	NOUN
fsr-3412	177	11	,	,	PUNCT
fsr-3412	177	12	assuming	assume	VERB
fsr-3412	177	13	other	other	ADJ
fsr-3412	177	14	household	household	NOUN
fsr-3412	177	15	characteristics	characteristic	NOUN
fsr-3412	177	16	had	have	VERB
fsr-3412	177	17	the	the	DET
fsr-3412	177	18	mean	mean	ADJ
fsr-3412	177	19	levels	level	NOUN
fsr-3412	177	20	for	for	ADP
fsr-3412	177	21	2016	2016	NUM
fsr-3412	177	22	,	,	PUNCT
fsr-3412	177	23	married	married	ADJ
fsr-3412	177	24	households	household	NOUN
fsr-3412	177	25	had	have	VERB
fsr-3412	177	26	the	the	DET
fsr-3412	177	27	highest	high	ADJ
fsr-3412	177	28	predicted	predict	VERB
fsr-3412	177	29	likelihood	likelihood	NOUN
fsr-3412	177	30	of	of	ADP
fsr-3412	177	31	owning	own	VERB
fsr-3412	177	32	life	life	NOUN
fsr-3412	177	33	insurance	insurance	NOUN
fsr-3412	177	34	,	,	PUNCT
fsr-3412	177	35	almost	almost	ADV
fsr-3412	177	36	70	70	NUM
fsr-3412	177	37	%	%	NOUN
fsr-3412	177	38	,	,	PUNCT
fsr-3412	177	39	compared	compare	VERB
fsr-3412	177	40	with	with	ADP
fsr-3412	177	41	56	56	NUM
fsr-3412	177	42	%	%	NOUN
fsr-3412	177	43	for	for	ADP
fsr-3412	177	44	partner	partner	NOUN
fsr-3412	177	45	households	household	NOUN
fsr-3412	177	46	,	,	PUNCT
fsr-3412	177	47	50	50	NUM
fsr-3412	177	48	%	%	NOUN
fsr-3412	177	49	for	for	ADP
fsr-3412	177	50	single	single	ADJ
fsr-3412	177	51	male	male	ADJ
fsr-3412	177	52	households	household	NOUN
fsr-3412	177	53	,	,	PUNCT
fsr-3412	177	54	and	and	CCONJ
fsr-3412	177	55	49	49	NUM
fsr-3412	177	56	%	%	NOUN
fsr-3412	177	57	for	for	ADP
fsr-3412	177	58	single	single	ADJ
fsr-3412	177	59	female	female	ADJ
fsr-3412	177	60	households	household	NOUN
fsr-3412	177	61	.	.	PUNCT
fsr-3412	178	1	surviving	survive	VERB
fsr-3412	178	2	individuals	individual	NOUN
fsr-3412	178	3	in	in	ADP
fsr-3412	178	4	a	a	DET
fsr-3412	178	5	coupled	couple	VERB
fsr-3412	178	6	household	household	NOUN
fsr-3412	178	7	are	be	AUX
fsr-3412	178	8	likely	likely	ADJ
fsr-3412	178	9	to	to	PART
fsr-3412	178	10	be	be	AUX
fsr-3412	178	11	financially	financially	ADV
fsr-3412	178	12	burdened	burden	VERB
fsr-3412	178	13	if	if	SCONJ
fsr-3412	178	14	a	a	DET
fsr-3412	178	15	spouse	spouse	NOUN
fsr-3412	178	16	or	or	CCONJ
fsr-3412	178	17	partner	partner	NOUN
fsr-3412	178	18	were	be	AUX
fsr-3412	178	19	to	to	PART
fsr-3412	178	20	die	die	VERB
fsr-3412	178	21	.	.	PUNCT
fsr-3412	179	1	life	life	NOUN
fsr-3412	179	2	insurance	insurance	NOUN
fsr-3412	179	3	can	can	AUX
fsr-3412	179	4	help	help	VERB
fsr-3412	179	5	fill	fill	VERB
fsr-3412	179	6	this	this	DET
fsr-3412	179	7	burden	burden	NOUN
fsr-3412	179	8	.	.	PUNCT
fsr-3412	180	1	in	in	ADP
fsr-3412	180	2	general	general	ADJ
fsr-3412	180	3	,	,	PUNCT
fsr-3412	180	4	single	single	ADJ
fsr-3412	180	5	headed	head	VERB
fsr-3412	180	6	households	household	NOUN
fsr-3412	180	7	are	be	AUX
fsr-3412	180	8	not	not	PART
fsr-3412	180	9	financially	financially	ADV
fsr-3412	180	10	dependent	dependent	ADJ
fsr-3412	180	11	on	on	ADP
fsr-3412	180	12	another	another	DET
fsr-3412	180	13	wage	wage	NOUN
fsr-3412	180	14	-	-	PUNCT
fsr-3412	180	15	earner	earner	NOUN
fsr-3412	180	16	and	and	CCONJ
fsr-3412	180	17	have	have	VERB
fsr-3412	180	18	little	little	ADJ
fsr-3412	180	19	need	need	NOUN
fsr-3412	180	20	for	for	ADP
fsr-3412	180	21	life	life	NOUN
fsr-3412	180	22	insurance	insurance	NOUN
fsr-3412	180	23	,	,	PUNCT
fsr-3412	180	24	because	because	SCONJ
fsr-3412	180	25	there	there	PRON
fsr-3412	180	26	would	would	AUX
fsr-3412	180	27	be	be	AUX
fsr-3412	180	28	no	no	DET
fsr-3412	180	29	surviving	surviving	NOUN
fsr-3412	180	30	spouse	spouse	NOUN
fsr-3412	180	31	,	,	PUNCT
fsr-3412	180	32	though	though	SCONJ
fsr-3412	180	33	as	as	SCONJ
fsr-3412	180	34	nam	nam	PROPN
fsr-3412	180	35	and	and	CCONJ
fsr-3412	180	36	hanna	hanna	PROPN
fsr-3412	180	37	(	(	PUNCT
fsr-3412	180	38	2019	2019	NUM
fsr-3412	180	39	)	)	PUNCT
fsr-3412	180	40	discussed	discuss	VERB
fsr-3412	180	41	,	,	PUNCT
fsr-3412	180	42	there	there	PRON
fsr-3412	180	43	might	might	AUX
fsr-3412	180	44	still	still	ADV
fsr-3412	180	45	be	be	AUX
fsr-3412	180	46	a	a	DET
fsr-3412	180	47	need	need	NOUN
fsr-3412	180	48	in	in	ADP
fsr-3412	180	49	terms	term	NOUN
fsr-3412	180	50	of	of	ADP
fsr-3412	180	51	making	make	VERB
fsr-3412	180	52	sure	sure	ADJ
fsr-3412	180	53	the	the	DET
fsr-3412	180	54	person	person	NOUN
fsr-3412	180	55	with	with	ADP
fsr-3412	180	56	custody	custody	NOUN
fsr-3412	180	57	of	of	ADP
fsr-3412	180	58	dependent	dependent	ADJ
fsr-3412	180	59	children	child	NOUN
fsr-3412	180	60	would	would	AUX
fsr-3412	180	61	have	have	VERB
fsr-3412	180	62	adequate	adequate	ADJ
fsr-3412	180	63	resources	resource	NOUN
fsr-3412	180	64	.	.	PUNCT
fsr-3412	181	1	the	the	DET
fsr-3412	181	2	difference	difference	NOUN
fsr-3412	181	3	between	between	ADP
fsr-3412	181	4	married	married	ADJ
fsr-3412	181	5	and	and	CCONJ
fsr-3412	181	6	partnered	partner	VERB
fsr-3412	181	7	coupled	couple	VERB
fsr-3412	181	8	households	household	NOUN
fsr-3412	181	9	may	may	AUX
fsr-3412	181	10	be	be	AUX
fsr-3412	181	11	because	because	SCONJ
fsr-3412	181	12	of	of	ADP
fsr-3412	181	13	the	the	DET
fsr-3412	181	14	married	married	ADJ
fsr-3412	181	15	households	household	NOUN
fsr-3412	181	16	having	have	VERB
fsr-3412	181	17	a	a	DET
fsr-3412	181	18	longer	long	ADJ
fsr-3412	181	19	-	-	PUNCT
fsr-3412	181	20	term	term	NOUN
fsr-3412	181	21	time	time	NOUN
fsr-3412	181	22	horizon	horizon	NOUN
fsr-3412	181	23	than	than	ADP
fsr-3412	181	24	otherwise	otherwise	ADV
fsr-3412	181	25	similar	similar	ADJ
fsr-3412	181	26	partnered	partnered	ADJ
fsr-3412	181	27	households	household	NOUN
fsr-3412	181	28	.	.	PUNCT
fsr-3412	182	1	presence	presence	NOUN
fsr-3412	182	2	of	of	ADP
fsr-3412	182	3	a	a	DET
fsr-3412	182	4	dependent	dependent	ADJ
fsr-3412	182	5	child	child	NOUN
fsr-3412	182	6	under	under	ADP
fsr-3412	182	7	age	age	NOUN
fsr-3412	182	8	18	18	NUM
fsr-3412	182	9	was	be	AUX
fsr-3412	182	10	not	not	PART
fsr-3412	182	11	significantly	significantly	ADV
fsr-3412	182	12	related	relate	VERB
fsr-3412	182	13	to	to	ADP
fsr-3412	182	14	ownership	ownership	NOUN
fsr-3412	182	15	of	of	ADP
fsr-3412	182	16	any	any	DET
fsr-3412	182	17	life	life	NOUN
fsr-3412	182	18	insurance	insurance	NOUN
fsr-3412	182	19	or	or	CCONJ
fsr-3412	182	20	of	of	ADP
fsr-3412	182	21	cash	cash	NOUN
fsr-3412	182	22	value	value	NOUN
fsr-3412	182	23	life	life	NOUN
fsr-3412	182	24	insurance	insurance	NOUN
fsr-3412	182	25	,	,	PUNCT
fsr-3412	182	26	but	but	CCONJ
fsr-3412	182	27	was	be	AUX
fsr-3412	182	28	positively	positively	ADV
fsr-3412	182	29	related	relate	VERB
fsr-3412	182	30	to	to	ADP
fsr-3412	182	31	ownership	ownership	NOUN
fsr-3412	182	32	of	of	ADP
fsr-3412	182	33	term	term	NOUN
fsr-3412	182	34	life	life	NOUN
fsr-3412	182	35	insurance	insurance	NOUN
fsr-3412	182	36	.	.	PUNCT
fsr-3412	183	1	this	this	PRON
fsr-3412	183	2	is	be	AUX
fsr-3412	183	3	reasonable	reasonable	ADJ
fsr-3412	183	4	,	,	PUNCT
fsr-3412	183	5	because	because	SCONJ
fsr-3412	183	6	dependent	dependent	ADJ
fsr-3412	183	7	children	child	NOUN
fsr-3412	183	8	make	make	VERB
fsr-3412	183	9	the	the	DET
fsr-3412	183	10	need	need	NOUN
fsr-3412	183	11	for	for	ADP
fsr-3412	183	12	support	support	NOUN
fsr-3412	183	13	for	for	ADP
fsr-3412	183	14	them	they	PRON
fsr-3412	183	15	paramount	paramount	ADJ
fsr-3412	183	16	.	.	PUNCT
fsr-3412	184	1	household	household	NOUN
fsr-3412	184	2	income	income	NOUN
fsr-3412	184	3	was	be	AUX
fsr-3412	184	4	positively	positively	ADV
fsr-3412	184	5	associated	associate	VERB
fsr-3412	184	6	with	with	ADP
fsr-3412	184	7	the	the	DET
fsr-3412	184	8	likelihood	likelihood	NOUN
fsr-3412	184	9	of	of	ADP
fsr-3412	184	10	owning	own	VERB
fsr-3412	184	11	any	any	DET
fsr-3412	184	12	life	life	NOUN
fsr-3412	184	13	or	or	CCONJ
fsr-3412	184	14	of	of	ADP
fsr-3412	184	15	owning	own	VERB
fsr-3412	184	16	cash	cash	NOUN
fsr-3412	184	17	value	value	NOUN
fsr-3412	184	18	life	life	NOUN
fsr-3412	184	19	insurance	insurance	NOUN
fsr-3412	184	20	.	.	PUNCT
fsr-3412	185	1	for	for	ADP
fsr-3412	185	2	the	the	DET
fsr-3412	185	3	relationship	relationship	NOUN
fsr-3412	185	4	between	between	ADP
fsr-3412	185	5	income	income	NOUN
fsr-3412	185	6	shocks	shock	NOUN
fsr-3412	185	7	and	and	CCONJ
fsr-3412	185	8	life	life	NOUN
fsr-3412	185	9	insurance	insurance	NOUN
fsr-3412	185	10	ownership	ownership	NOUN
fsr-3412	185	11	,	,	PUNCT
fsr-3412	185	12	assuming	assume	VERB
fsr-3412	185	13	other	other	ADJ
fsr-3412	185	14	household	household	NOUN
fsr-3412	185	15	characteristics	characteristic	NOUN
fsr-3412	185	16	had	have	VERB
fsr-3412	185	17	the	the	DET
fsr-3412	185	18	mean	mean	ADJ
fsr-3412	185	19	levels	level	NOUN
fsr-3412	185	20	for	for	ADP
fsr-3412	185	21	2016	2016	NUM
fsr-3412	185	22	,	,	PUNCT
fsr-3412	185	23	households	household	NOUN
fsr-3412	185	24	with	with	ADP
fsr-3412	185	25	current	current	ADJ
fsr-3412	185	26	income	income	NOUN
fsr-3412	185	27	below	below	ADP
fsr-3412	185	28	normal	normal	ADJ
fsr-3412	185	29	had	have	VERB
fsr-3412	185	30	the	the	DET
fsr-3412	185	31	lowest	low	ADJ
fsr-3412	185	32	predicted	predict	VERB
fsr-3412	185	33	likelihood	likelihood	NOUN
fsr-3412	185	34	of	of	ADP
fsr-3412	185	35	owning	own	VERB
fsr-3412	185	36	life	life	NOUN
fsr-3412	185	37	insurance	insurance	NOUN
fsr-3412	185	38	,	,	PUNCT
fsr-3412	185	39	54	54	NUM
fsr-3412	185	40	%	%	NOUN
fsr-3412	185	41	,	,	PUNCT
fsr-3412	185	42	compared	compare	VERB
fsr-3412	185	43	with	with	ADP
fsr-3412	185	44	64	64	NUM
fsr-3412	185	45	%	%	NOUN
fsr-3412	185	46	for	for	ADP
fsr-3412	185	47	households	household	NOUN
fsr-3412	185	48	with	with	ADP
fsr-3412	185	49	higher	high	ADJ
fsr-3412	185	50	than	than	ADP
fsr-3412	185	51	normal	normal	ADJ
fsr-3412	185	52	income	income	NOUN
fsr-3412	185	53	and	and	CCONJ
fsr-3412	185	54	61	61	NUM
fsr-3412	185	55	%	%	NOUN
fsr-3412	185	56	for	for	ADP
fsr-3412	185	57	households	household	NOUN
fsr-3412	185	58	with	with	ADP
fsr-3412	185	59	normal	normal	ADJ
fsr-3412	185	60	income	income	NOUN
fsr-3412	185	61	.	.	PUNCT
fsr-3412	186	1	this	this	PRON
fsr-3412	186	2	may	may	AUX
fsr-3412	186	3	be	be	AUX
fsr-3412	186	4	because	because	SCONJ
fsr-3412	186	5	of	of	ADP
fsr-3412	186	6	household	household	NOUN
fsr-3412	186	7	budget	budget	NOUN
fsr-3412	186	8	constraints	constraint	NOUN
fsr-3412	186	9	.	.	PUNCT
fsr-3412	187	1	households	household	NOUN
fsr-3412	187	2	may	may	AUX
fsr-3412	187	3	accurately	accurately	ADV
fsr-3412	187	4	perceive	perceive	VERB
fsr-3412	187	5	the	the	DET
fsr-3412	187	6	likelihood	likelihood	NOUN
fsr-3412	187	7	of	of	ADP
fsr-3412	187	8	death	death	NOUN
fsr-3412	187	9	in	in	ADP
fsr-3412	187	10	the	the	DET
fsr-3412	187	11	current	current	ADJ
fsr-3412	187	12	year	year	NOUN
fsr-3412	187	13	as	as	ADP
fsr-3412	187	14	very	very	ADV
fsr-3412	187	15	low	low	ADJ
fsr-3412	187	16	,	,	PUNCT
fsr-3412	187	17	and	and	CCONJ
fsr-3412	187	18	,	,	PUNCT
fsr-3412	187	19	thus	thus	ADV
fsr-3412	187	20	,	,	PUNCT
fsr-3412	187	21	temporarily	temporarily	ADV
fsr-3412	187	22	terminate	terminate	VERB
fsr-3412	187	23	a	a	DET
fsr-3412	187	24	life	life	NOUN
fsr-3412	187	25	insurance	insurance	NOUN
fsr-3412	187	26	policy	policy	NOUN
fsr-3412	187	27	if	if	SCONJ
fsr-3412	187	28	household	household	NOUN
fsr-3412	187	29	income	income	NOUN
fsr-3412	187	30	falls	fall	VERB
fsr-3412	187	31	below	below	ADP
fsr-3412	187	32	normal	normal	ADJ
fsr-3412	187	33	income	income	NOUN
fsr-3412	187	34	.	.	PUNCT
fsr-3412	188	1	conversely	conversely	ADV
fsr-3412	188	2	,	,	PUNCT
fsr-3412	188	3	when	when	SCONJ
fsr-3412	188	4	household	household	NOUN
fsr-3412	188	5	income	income	NOUN
fsr-3412	188	6	is	be	AUX
fsr-3412	188	7	above	above	ADP
fsr-3412	188	8	normal	normal	ADJ
fsr-3412	188	9	income	income	NOUN
fsr-3412	188	10	,	,	PUNCT
fsr-3412	188	11	households	household	NOUN
fsr-3412	188	12	may	may	AUX
fsr-3412	188	13	feel	feel	VERB
fsr-3412	188	14	less	less	ADJ
fsr-3412	188	15	of	of	ADP
fsr-3412	188	16	a	a	DET
fsr-3412	188	17	constraint	constraint	NOUN
fsr-3412	188	18	on	on	ADP
fsr-3412	188	19	the	the	DET
fsr-3412	188	20	household	household	NOUN
fsr-3412	188	21	budget	budget	NOUN
fsr-3412	188	22	and	and	CCONJ
fsr-3412	188	23	use	use	VERB
fsr-3412	188	24	this	this	DET
fsr-3412	188	25	extra	extra	ADJ
fsr-3412	188	26	income	income	NOUN
fsr-3412	188	27	on	on	ADP
fsr-3412	188	28	life	life	NOUN
fsr-3412	188	29	insurance	insurance	NOUN
fsr-3412	188	30	,	,	PUNCT
fsr-3412	188	31	something	something	PRON
fsr-3412	188	32	they	they	PRON
fsr-3412	188	33	otherwise	otherwise	ADV
fsr-3412	188	34	were	be	AUX
fsr-3412	188	35	not	not	PART
fsr-3412	188	36	willing	willing	ADJ
fsr-3412	188	37	to	to	PART
fsr-3412	188	38	own	own	VERB
fsr-3412	188	39	.	.	PUNCT
fsr-3412	189	1	current	current	ADJ
fsr-3412	189	2	income	income	NOUN
fsr-3412	189	3	was	be	AUX
fsr-3412	189	4	positively	positively	ADV
fsr-3412	189	5	related	relate	VERB
fsr-3412	189	6	to	to	ADP
fsr-3412	189	7	the	the	DET
fsr-3412	189	8	likelihood	likelihood	NOUN
fsr-3412	189	9	of	of	ADP
fsr-3412	189	10	owning	own	VERB
fsr-3412	189	11	any	any	DET
fsr-3412	189	12	life	life	NOUN
fsr-3412	189	13	insurance	insurance	NOUN
fsr-3412	189	14	and	and	CCONJ
fsr-3412	189	15	to	to	ADP
fsr-3412	189	16	the	the	DET
fsr-3412	189	17	likelihood	likelihood	NOUN
fsr-3412	189	18	of	of	ADP
fsr-3412	189	19	owning	own	VERB
fsr-3412	189	20	cash	cash	NOUN
fsr-3412	189	21	value	value	NOUN
fsr-3412	189	22	life	life	NOUN
fsr-3412	189	23	insurance	insurance	NOUN
fsr-3412	189	24	,	,	PUNCT
fsr-3412	189	25	but	but	CCONJ
fsr-3412	189	26	not	not	PART
fsr-3412	189	27	to	to	ADP
fsr-3412	189	28	the	the	DET
fsr-3412	189	29	likelihood	likelihood	NOUN
fsr-3412	189	30	of	of	ADP
fsr-3412	189	31	owning	own	VERB
fsr-3412	189	32	term	term	NOUN
fsr-3412	189	33	life	life	NOUN
fsr-3412	189	34	insurance	insurance	NOUN
fsr-3412	189	35	.	.	PUNCT
fsr-3412	190	1	given	give	VERB
fsr-3412	190	2	that	that	DET
fsr-3412	190	3	employment	employment	NOUN
fsr-3412	190	4	status	status	NOUN
fsr-3412	190	5	is	be	AUX
fsr-3412	190	6	controlled	control	VERB
fsr-3412	190	7	,	,	PUNCT
fsr-3412	190	8	the	the	DET
fsr-3412	190	9	lack	lack	NOUN
fsr-3412	190	10	of	of	ADP
fsr-3412	190	11	significance	significance	NOUN
fsr-3412	190	12	is	be	AUX
fsr-3412	190	13	reasonable	reasonable	ADJ
fsr-3412	190	14	,	,	PUNCT
fsr-3412	190	15	as	as	SCONJ
fsr-3412	190	16	an	an	DET
fsr-3412	190	17	employer	employer	NOUN
fsr-3412	190	18	group	group	NOUN
fsr-3412	190	19	life	life	NOUN
fsr-3412	190	20	insurance	insurance	NOUN
fsr-3412	190	21	is	be	AUX
fsr-3412	190	22	something	something	PRON
fsr-3412	190	23	that	that	PRON
fsr-3412	190	24	is	be	AUX
fsr-3412	190	25	available	available	ADJ
fsr-3412	190	26	for	for	ADP
fsr-3412	190	27	many	many	ADJ
fsr-3412	190	28	employees	employee	NOUN
fsr-3412	190	29	without	without	ADP
fsr-3412	190	30	having	have	VERB
fsr-3412	190	31	to	to	PART
fsr-3412	190	32	make	make	VERB
fsr-3412	190	33	a	a	DET
fsr-3412	190	34	purchase	purchase	NOUN
fsr-3412	190	35	decision	decision	NOUN
fsr-3412	190	36	.	.	PUNCT
fsr-3412	191	1	for	for	ADP
fsr-3412	191	2	the	the	DET
fsr-3412	191	3	relationship	relationship	NOUN
fsr-3412	191	4	between	between	ADP
fsr-3412	191	5	employment	employment	NOUN
fsr-3412	191	6	status	status	NOUN
fsr-3412	191	7	of	of	ADP
fsr-3412	191	8	the	the	DET
fsr-3412	191	9	head	head	NOUN
fsr-3412	191	10	and	and	CCONJ
fsr-3412	191	11	life	life	NOUN
fsr-3412	191	12	insurance	insurance	NOUN
fsr-3412	191	13	ownership	ownership	NOUN
fsr-3412	191	14	,	,	PUNCT
fsr-3412	191	15	assuming	assume	VERB
fsr-3412	191	16	other	other	ADJ
fsr-3412	191	17	household	household	NOUN
fsr-3412	191	18	characteristics	characteristic	NOUN
fsr-3412	191	19	had	have	VERB
fsr-3412	191	20	the	the	DET
fsr-3412	191	21	mean	mean	ADJ
fsr-3412	191	22	levels	level	NOUN
fsr-3412	191	23	for	for	ADP
fsr-3412	191	24	2016	2016	NUM
fsr-3412	191	25	,	,	PUNCT
fsr-3412	191	26	households	household	NOUN
fsr-3412	191	27	headed	head	VERB
fsr-3412	191	28	11k	11k	NOUN
fsr-3412	191	29	.	.	PUNCT
fsr-3412	192	1	tae	tae	PROPN
fsr-3412	192	2	kim	kim	PROPN
fsr-3412	192	3	et	et	PROPN
fsr-3412	192	4	al	al	PROPN
fsr-3412	192	5	.	.	PUNCT
fsr-3412	192	6	/	/	SYM
fsr-3412	192	7	financial	financial	ADJ
fsr-3412	192	8	services	service	NOUN
fsr-3412	192	9	review	review	VERB
fsr-3412	192	10	28	28	NUM
fsr-3412	192	11	(	(	PUNCT
fsr-3412	192	12	2020	2020	NUM
fsr-3412	192	13	)	)	PUNCT
fsr-3412	192	14	1	1	NUM
fsr-3412	192	15	-	-	SYM
fsr-3412	192	16	16	16	NUM
fsr-3412	192	17	by	by	ADP
fsr-3412	192	18	an	an	DET
fsr-3412	192	19	employee	employee	NOUN
fsr-3412	192	20	had	have	VERB
fsr-3412	192	21	the	the	DET
fsr-3412	192	22	highest	high	ADJ
fsr-3412	192	23	predicted	predict	VERB
fsr-3412	192	24	likelihood	likelihood	NOUN
fsr-3412	192	25	of	of	ADP
fsr-3412	192	26	owning	own	VERB
fsr-3412	192	27	life	life	NOUN
fsr-3412	192	28	insurance	insurance	NOUN
fsr-3412	192	29	,	,	PUNCT
fsr-3412	192	30	68	68	NUM
fsr-3412	192	31	%	%	NOUN
fsr-3412	192	32	,	,	PUNCT
fsr-3412	192	33	presumably	presumably	ADV
fsr-3412	192	34	partly	partly	ADV
fsr-3412	192	35	because	because	SCONJ
fsr-3412	192	36	of	of	ADP
fsr-3412	192	37	the	the	DET
fsr-3412	192	38	availability	availability	NOUN
fsr-3412	192	39	of	of	ADP
fsr-3412	192	40	group	group	NOUN
fsr-3412	192	41	life	life	NOUN
fsr-3412	192	42	insurance	insurance	NOUN
fsr-3412	192	43	from	from	ADP
fsr-3412	192	44	many	many	ADJ
fsr-3412	192	45	employers	employer	NOUN
fsr-3412	192	46	.	.	PUNCT
fsr-3412	193	1	group	group	NOUN
fsr-3412	193	2	insurance	insurance	NOUN
fsr-3412	193	3	may	may	AUX
fsr-3412	193	4	be	be	AUX
fsr-3412	193	5	provided	provide	VERB
fsr-3412	193	6	for	for	ADP
fsr-3412	193	7	free	free	ADJ
fsr-3412	193	8	or	or	CCONJ
fsr-3412	193	9	at	at	ADP
fsr-3412	193	10	reduced	reduced	ADJ
fsr-3412	193	11	rate	rate	NOUN
fsr-3412	193	12	as	as	ADP
fsr-3412	193	13	an	an	DET
fsr-3412	193	14	employer	employer	NOUN
fsr-3412	193	15	benefit	benefit	NOUN
fsr-3412	193	16	.	.	PUNCT
fsr-3412	194	1	additionally	additionally	ADV
fsr-3412	194	2	,	,	PUNCT
fsr-3412	194	3	group	group	NOUN
fsr-3412	194	4	life	life	NOUN
fsr-3412	194	5	insurance	insurance	NOUN
fsr-3412	194	6	removes	remove	VERB
fsr-3412	194	7	the	the	DET
fsr-3412	194	8	barrier	barrier	NOUN
fsr-3412	194	9	of	of	ADP
fsr-3412	194	10	having	have	VERB
fsr-3412	194	11	to	to	PART
fsr-3412	194	12	have	have	VERB
fsr-3412	194	13	a	a	DET
fsr-3412	194	14	medical	medical	ADJ
fsr-3412	194	15	exam	exam	NOUN
fsr-3412	194	16	to	to	PART
fsr-3412	194	17	be	be	AUX
fsr-3412	194	18	insured	insure	VERB
fsr-3412	194	19	,	,	PUNCT
fsr-3412	194	20	something	something	PRON
fsr-3412	194	21	that	that	PRON
fsr-3412	194	22	is	be	AUX
fsr-3412	194	23	common	common	ADJ
fsr-3412	194	24	in	in	ADP
fsr-3412	194	25	the	the	DET
fsr-3412	194	26	individual	individual	ADJ
fsr-3412	194	27	insurance	insurance	NOUN
fsr-3412	194	28	market	market	NOUN
fsr-3412	194	29	.	.	PUNCT
fsr-3412	195	1	this	this	DET
fsr-3412	195	2	barrier	barrier	NOUN
fsr-3412	195	3	may	may	AUX
fsr-3412	195	4	prevent	prevent	VERB
fsr-3412	195	5	individuals	individual	NOUN
fsr-3412	195	6	from	from	ADP
fsr-3412	195	7	seeking	seek	VERB
fsr-3412	195	8	life	life	NOUN
fsr-3412	195	9	insurance	insurance	NOUN
fsr-3412	195	10	,	,	PUNCT
fsr-3412	195	11	even	even	ADV
fsr-3412	195	12	if	if	SCONJ
fsr-3412	195	13	they	they	PRON
fsr-3412	195	14	would	would	AUX
fsr-3412	195	15	qualify	qualify	VERB
fsr-3412	195	16	for	for	ADP
fsr-3412	195	17	the	the	DET
fsr-3412	195	18	policy	policy	NOUN
fsr-3412	195	19	upon	upon	SCONJ
fsr-3412	195	20	completion	completion	NOUN
fsr-3412	195	21	of	of	ADP
fsr-3412	195	22	the	the	DET
fsr-3412	195	23	exam	exam	NOUN
fsr-3412	195	24	.	.	PUNCT
fsr-3412	196	1	the	the	DET
fsr-3412	196	2	predicted	predict	VERB
fsr-3412	196	3	life	life	NOUN
fsr-3412	196	4	insurance	insurance	NOUN
fsr-3412	196	5	ownership	ownership	NOUN
fsr-3412	196	6	rates	rate	NOUN
fsr-3412	196	7	were	be	AUX
fsr-3412	196	8	only	only	ADV
fsr-3412	196	9	51	51	NUM
fsr-3412	196	10	%	%	NOUN
fsr-3412	196	11	for	for	ADP
fsr-3412	196	12	households	household	NOUN
fsr-3412	196	13	with	with	ADP
fsr-3412	196	14	a	a	DET
fsr-3412	196	15	self	self	NOUN
fsr-3412	196	16	-	-	PUNCT
fsr-3412	196	17	employed	employ	VERB
fsr-3412	196	18	head	head	NOUN
fsr-3412	196	19	,	,	PUNCT
fsr-3412	196	20	49	49	NUM
fsr-3412	196	21	%	%	NOUN
fsr-3412	196	22	for	for	ADP
fsr-3412	196	23	households	household	NOUN
fsr-3412	196	24	of	of	ADP
fsr-3412	196	25	a	a	DET
fsr-3412	196	26	retired	retire	VERB
fsr-3412	196	27	head	head	NOUN
fsr-3412	196	28	,	,	PUNCT
fsr-3412	196	29	and	and	CCONJ
fsr-3412	196	30	40	40	NUM
fsr-3412	196	31	%	%	NOUN
fsr-3412	196	32	for	for	ADP
fsr-3412	196	33	households	household	NOUN
fsr-3412	196	34	with	with	ADP
fsr-3412	196	35	heads	head	NOUN
fsr-3412	196	36	not	not	PART
fsr-3412	196	37	working	work	VERB
fsr-3412	196	38	but	but	CCONJ
fsr-3412	196	39	not	not	PART
fsr-3412	196	40	of	of	ADP
fsr-3412	196	41	retirement	retirement	NOUN
fsr-3412	196	42	age	age	NOUN
fsr-3412	196	43	.	.	PUNCT
fsr-3412	197	1	for	for	ADP
fsr-3412	197	2	the	the	DET
fsr-3412	197	3	relationship	relationship	NOUN
fsr-3412	197	4	between	between	ADP
fsr-3412	197	5	the	the	DET
fsr-3412	197	6	education	education	NOUN
fsr-3412	197	7	of	of	ADP
fsr-3412	197	8	the	the	DET
fsr-3412	197	9	head	head	NOUN
fsr-3412	197	10	and	and	CCONJ
fsr-3412	197	11	life	life	NOUN
fsr-3412	197	12	insurance	insurance	NOUN
fsr-3412	197	13	ownership	ownership	NOUN
fsr-3412	197	14	,	,	PUNCT
fsr-3412	197	15	assuming	assume	VERB
fsr-3412	197	16	other	other	ADJ
fsr-3412	197	17	household	household	NOUN
fsr-3412	197	18	characteristics	characteristic	NOUN
fsr-3412	197	19	had	have	VERB
fsr-3412	197	20	the	the	DET
fsr-3412	197	21	mean	mean	ADJ
fsr-3412	197	22	levels	level	NOUN
fsr-3412	197	23	for	for	ADP
fsr-3412	197	24	2016	2016	NUM
fsr-3412	197	25	,	,	PUNCT
fsr-3412	197	26	households	household	NOUN
fsr-3412	197	27	headed	head	VERB
fsr-3412	197	28	by	by	ADP
fsr-3412	197	29	somebody	somebody	PRON
fsr-3412	197	30	with	with	ADP
fsr-3412	197	31	a	a	DET
fsr-3412	197	32	postbachelor	postbachelor	NOUN
fsr-3412	197	33	degree	degree	NOUN
fsr-3412	197	34	had	have	VERB
fsr-3412	197	35	a	a	DET
fsr-3412	197	36	predicted	predict	VERB
fsr-3412	197	37	life	life	NOUN
fsr-3412	197	38	insurance	insurance	NOUN
fsr-3412	197	39	ownership	ownership	NOUN
fsr-3412	197	40	rate	rate	NOUN
fsr-3412	197	41	of	of	ADP
fsr-3412	197	42	65	65	NUM
fsr-3412	197	43	%	%	NOUN
fsr-3412	197	44	,	,	PUNCT
fsr-3412	197	45	and	and	CCONJ
fsr-3412	197	46	those	those	PRON
fsr-3412	197	47	with	with	ADP
fsr-3412	197	48	a	a	DET
fsr-3412	197	49	bachelor	bachelor	NOUN
fsr-3412	197	50	degree	degree	NOUN
fsr-3412	197	51	had	have	VERB
fsr-3412	197	52	a	a	DET
fsr-3412	197	53	predicted	predict	VERB
fsr-3412	197	54	rate	rate	NOUN
fsr-3412	197	55	of	of	ADP
fsr-3412	197	56	68	68	NUM
fsr-3412	197	57	%	%	NOUN
fsr-3412	197	58	,	,	PUNCT
fsr-3412	197	59	compared	compare	VERB
fsr-3412	197	60	with	with	ADP
fsr-3412	197	61	62	62	NUM
fsr-3412	197	62	%	%	NOUN
fsr-3412	197	63	for	for	ADP
fsr-3412	197	64	those	those	PRON
fsr-3412	197	65	with	with	ADP
fsr-3412	197	66	some	some	DET
fsr-3412	197	67	college	college	NOUN
fsr-3412	197	68	but	but	CCONJ
fsr-3412	197	69	no	no	DET
fsr-3412	197	70	degree	degree	NOUN
fsr-3412	197	71	,	,	PUNCT
fsr-3412	197	72	57	57	NUM
fsr-3412	197	73	%	%	NOUN
fsr-3412	197	74	for	for	ADP
fsr-3412	197	75	those	those	PRON
fsr-3412	197	76	whose	whose	DET
fsr-3412	197	77	highest	high	ADJ
fsr-3412	197	78	education	education	NOUN
fsr-3412	197	79	is	be	AUX
fsr-3412	197	80	a	a	DET
fsr-3412	197	81	high	high	ADJ
fsr-3412	197	82	school	school	NOUN
fsr-3412	197	83	degree	degree	NOUN
fsr-3412	197	84	,	,	PUNCT
fsr-3412	197	85	and	and	CCONJ
fsr-3412	197	86	44	44	NUM
fsr-3412	197	87	%	%	NOUN
fsr-3412	197	88	for	for	ADP
fsr-3412	197	89	those	those	PRON
fsr-3412	197	90	with	with	ADP
fsr-3412	197	91	no	no	DET
fsr-3412	197	92	high	high	ADJ
fsr-3412	197	93	school	school	NOUN
fsr-3412	197	94	degree	degree	NOUN
fsr-3412	197	95	.	.	PUNCT
fsr-3412	198	1	higher	high	ADJ
fsr-3412	198	2	education	education	NOUN
fsr-3412	198	3	levels	level	NOUN
fsr-3412	198	4	are	be	AUX
fsr-3412	198	5	likely	likely	ADV
fsr-3412	198	6	related	relate	VERB
fsr-3412	198	7	to	to	ADP
fsr-3412	198	8	more	more	ADV
fsr-3412	198	9	future	future	ADJ
fsr-3412	198	10	oriented	orient	VERB
fsr-3412	198	11	thinking	thinking	NOUN
fsr-3412	198	12	(	(	PUNCT
fsr-3412	198	13	yuh	yuh	PROPN
fsr-3412	198	14	and	and	CCONJ
fsr-3412	198	15	hanna	hanna	PROPN
fsr-3412	198	16	,	,	PUNCT
fsr-3412	198	17	2010	2010	NUM
fsr-3412	198	18	)	)	PUNCT
fsr-3412	198	19	,	,	PUNCT
fsr-3412	198	20	which	which	PRON
fsr-3412	198	21	would	would	AUX
fsr-3412	198	22	be	be	AUX
fsr-3412	198	23	consistent	consistent	ADJ
fsr-3412	198	24	with	with	ADP
fsr-3412	198	25	the	the	DET
fsr-3412	198	26	life	life	NOUN
fsr-3412	198	27	insurance	insurance	NOUN
fsr-3412	198	28	ownership	ownership	NOUN
fsr-3412	198	29	patterns	pattern	NOUN
fsr-3412	198	30	shown	show	VERB
fsr-3412	198	31	in	in	ADP
fsr-3412	198	32	fig	fig	NOUN
fsr-3412	198	33	.	.	PUNCT
fsr-3412	199	1	10	10	NUM
fsr-3412	199	2	.	.	PUNCT
fsr-3412	200	1	for	for	ADP
fsr-3412	200	2	the	the	DET
fsr-3412	200	3	relationship	relationship	NOUN
fsr-3412	200	4	between	between	ADP
fsr-3412	200	5	homeownership	homeownership	NOUN
fsr-3412	200	6	status	status	NOUN
fsr-3412	200	7	and	and	CCONJ
fsr-3412	200	8	life	life	NOUN
fsr-3412	200	9	insurance	insurance	NOUN
fsr-3412	200	10	ownership	ownership	NOUN
fsr-3412	200	11	,	,	PUNCT
fsr-3412	200	12	assuming	assume	VERB
fsr-3412	200	13	other	other	ADJ
fsr-3412	200	14	household	household	NOUN
fsr-3412	200	15	characteristics	characteristic	NOUN
fsr-3412	200	16	had	have	VERB
fsr-3412	200	17	the	the	DET
fsr-3412	200	18	mean	mean	ADJ
fsr-3412	200	19	levels	level	NOUN
fsr-3412	200	20	for	for	ADP
fsr-3412	200	21	2016	2016	NUM
fsr-3412	200	22	,	,	PUNCT
fsr-3412	200	23	homeowners	homeowner	NOUN
fsr-3412	200	24	had	have	VERB
fsr-3412	200	25	a	a	DET
fsr-3412	200	26	predicted	predict	VERB
fsr-3412	200	27	ownership	ownership	NOUN
fsr-3412	200	28	rate	rate	NOUN
fsr-3412	200	29	of	of	ADP
fsr-3412	200	30	67	67	NUM
fsr-3412	200	31	%	%	NOUN
fsr-3412	200	32	,	,	PUNCT
fsr-3412	200	33	compared	compare	VERB
fsr-3412	200	34	with	with	ADP
fsr-3412	200	35	a	a	DET
fsr-3412	200	36	predicted	predict	VERB
fsr-3412	200	37	rate	rate	NOUN
fsr-3412	200	38	of	of	ADP
fsr-3412	200	39	47	47	NUM
fsr-3412	200	40	%	%	NOUN
fsr-3412	200	41	for	for	ADP
fsr-3412	200	42	renters	renter	NOUN
fsr-3412	200	43	.	.	PUNCT
fsr-3412	201	1	homeowners	homeowner	NOUN
fsr-3412	201	2	with	with	ADP
fsr-3412	201	3	a	a	DET
fsr-3412	201	4	mortgage	mortgage	NOUN
fsr-3412	201	5	may	may	AUX
fsr-3412	201	6	need	need	VERB
fsr-3412	201	7	to	to	PART
fsr-3412	201	8	have	have	VERB
fsr-3412	201	9	life	life	NOUN
fsr-3412	201	10	insurance	insurance	NOUN
fsr-3412	201	11	to	to	PART
fsr-3412	201	12	make	make	VERB
fsr-3412	201	13	sure	sure	ADJ
fsr-3412	201	14	the	the	DET
fsr-3412	201	15	loan	loan	NOUN
fsr-3412	201	16	is	be	AUX
fsr-3412	201	17	paid	pay	VERB
fsr-3412	201	18	off	off	ADP
fsr-3412	201	19	if	if	SCONJ
fsr-3412	201	20	a	a	DET
fsr-3412	201	21	primary	primary	ADJ
fsr-3412	201	22	earner	earner	NOUN
fsr-3412	201	23	dies	die	VERB
fsr-3412	201	24	.	.	PUNCT
fsr-3412	202	1	homeownership	homeownership	NOUN
fsr-3412	202	2	may	may	AUX
fsr-3412	202	3	also	also	ADV
fsr-3412	202	4	be	be	AUX
fsr-3412	202	5	a	a	DET
fsr-3412	202	6	signal	signal	NOUN
fsr-3412	202	7	of	of	ADP
fsr-3412	202	8	financial	financial	ADJ
fsr-3412	202	9	stability	stability	NOUN
fsr-3412	202	10	.	.	PUNCT
fsr-3412	203	1	typically	typically	ADV
fsr-3412	203	2	,	,	PUNCT
fsr-3412	203	3	homeowners	homeowner	NOUN
fsr-3412	203	4	are	be	AUX
fsr-3412	203	5	required	require	VERB
fsr-3412	203	6	to	to	PART
fsr-3412	203	7	make	make	VERB
fsr-3412	203	8	a	a	DET
fsr-3412	203	9	substantial	substantial	ADJ
fsr-3412	203	10	down	down	ADJ
fsr-3412	203	11	payment	payment	NOUN
fsr-3412	203	12	to	to	PART
fsr-3412	203	13	purchase	purchase	VERB
fsr-3412	203	14	a	a	DET
fsr-3412	203	15	home	home	NOUN
fsr-3412	203	16	,	,	PUNCT
fsr-3412	203	17	which	which	PRON
fsr-3412	203	18	,	,	PUNCT
fsr-3412	203	19	for	for	ADP
fsr-3412	203	20	most	most	ADJ
fsr-3412	203	21	households	household	NOUN
fsr-3412	203	22	requires	require	VERB
fsr-3412	203	23	substantial	substantial	ADJ
fsr-3412	203	24	financial	financial	ADJ
fsr-3412	203	25	planning	planning	NOUN
fsr-3412	203	26	.	.	PUNCT
fsr-3412	204	1	therefore	therefore	ADV
fsr-3412	204	2	,	,	PUNCT
fsr-3412	204	3	homeowners	homeowner	NOUN
fsr-3412	204	4	may	may	AUX
fsr-3412	204	5	be	be	AUX
fsr-3412	204	6	more	more	ADV
fsr-3412	204	7	likely	likely	ADJ
fsr-3412	204	8	to	to	PART
fsr-3412	204	9	both	both	CCONJ
fsr-3412	204	10	afford	afford	VERB
fsr-3412	204	11	and	and	CCONJ
fsr-3412	204	12	plan	plan	VERB
fsr-3412	204	13	for	for	ADP
fsr-3412	204	14	life	life	NOUN
fsr-3412	204	15	insurance	insurance	NOUN
fsr-3412	204	16	.	.	PUNCT
fsr-3412	205	1	4.4	4.4	NUM
fsr-3412	205	2	.	.	PUNCT
fsr-3412	206	1	the	the	DET
fsr-3412	206	2	association	association	NOUN
fsr-3412	206	3	between	between	ADP
fsr-3412	206	4	use	use	NOUN
fsr-3412	206	5	of	of	ADP
fsr-3412	206	6	financial	financial	ADJ
fsr-3412	206	7	planner	planner	NOUN
fsr-3412	206	8	and	and	CCONJ
fsr-3412	206	9	life	life	NOUN
fsr-3412	206	10	insurance	insurance	NOUN
fsr-3412	206	11	ownership	ownership	NOUN
fsr-3412	206	12	table	table	NOUN
fsr-3412	206	13	4	4	NUM
fsr-3412	206	14	shows	show	VERB
fsr-3412	206	15	the	the	DET
fsr-3412	206	16	logistic	logistic	ADJ
fsr-3412	206	17	regression	regression	NOUN
fsr-3412	206	18	results	result	NOUN
fsr-3412	206	19	of	of	ADP
fsr-3412	206	20	the	the	DET
fsr-3412	206	21	association	association	NOUN
fsr-3412	206	22	between	between	ADP
fsr-3412	206	23	the	the	DET
fsr-3412	206	24	use	use	NOUN
fsr-3412	206	25	of	of	ADP
fsr-3412	206	26	comprehensive	comprehensive	ADJ
fsr-3412	206	27	financial	financial	ADJ
fsr-3412	206	28	planner	planner	NOUN
fsr-3412	206	29	and	and	CCONJ
fsr-3412	206	30	the	the	DET
fsr-3412	206	31	likelihood	likelihood	NOUN
fsr-3412	206	32	of	of	ADP
fsr-3412	206	33	different	different	ADJ
fsr-3412	206	34	types	type	NOUN
fsr-3412	206	35	of	of	ADP
fsr-3412	206	36	life	life	NOUN
fsr-3412	206	37	insurance	insurance	NOUN
fsr-3412	206	38	table	table	NOUN
fsr-3412	206	39	4	4	NUM
fsr-3412	206	40	logistic	logistic	ADJ
fsr-3412	206	41	regression	regression	NOUN
fsr-3412	206	42	analysis	analysis	NOUN
fsr-3412	206	43	,	,	PUNCT
fsr-3412	206	44	the	the	DET
fsr-3412	206	45	association	association	NOUN
fsr-3412	206	46	between	between	ADP
fsr-3412	206	47	comprehensive	comprehensive	ADJ
fsr-3412	206	48	financial	financial	ADJ
fsr-3412	206	49	planner	planner	NOUN
fsr-3412	206	50	use	use	NOUN
fsr-3412	206	51	and	and	CCONJ
fsr-3412	206	52	the	the	DET
fsr-3412	206	53	likelihood	likelihood	NOUN
fsr-3412	206	54	of	of	ADP
fsr-3412	206	55	life	life	NOUN
fsr-3412	206	56	insurance	insurance	NOUN
fsr-3412	206	57	ownership	ownership	NOUN
fsr-3412	206	58	,	,	PUNCT
fsr-3412	206	59	1998–2016	1998–2016	NUM
fsr-3412	206	60	scf	scf	VERB
fsr-3412	206	61	any	any	DET
fsr-3412	206	62	life	life	NOUN
fsr-3412	206	63	insurance	insurance	NOUN
fsr-3412	206	64	term	term	NOUN
fsr-3412	206	65	life	life	NOUN
fsr-3412	206	66	insurance	insurance	NOUN
fsr-3412	206	67	cash	cash	NOUN
fsr-3412	206	68	value	value	NOUN
fsr-3412	206	69	life	life	NOUN
fsr-3412	206	70	insurance	insurance	NOUN
fsr-3412	206	71	coefficient	coefficient	NOUN
fsr-3412	206	72	standard	standard	ADJ
fsr-3412	206	73	error	error	NOUN
fsr-3412	206	74	coefficient	coefficient	NOUN
fsr-3412	206	75	standard	standard	ADJ
fsr-3412	206	76	error	error	NOUN
fsr-3412	206	77	coefficient	coefficient	NOUN
fsr-3412	206	78	standard	standard	ADJ
fsr-3412	206	79	error	error	NOUN
fsr-3412	206	80	use	use	NOUN
fsr-3412	206	81	of	of	ADP
fsr-3412	206	82	comprehensive	comprehensive	ADJ
fsr-3412	206	83	financial	financial	ADJ
fsr-3412	206	84	planner	planner	NOUN
fsr-3412	206	85	0.3727	0.3727	NUM
fsr-3412	206	86	*	*	PUNCT
fsr-3412	206	87	*	*	PUNCT
fsr-3412	206	88	*	*	PUNCT
fsr-3412	206	89	0.0425	0.0425	NUM
fsr-3412	206	90	0.2117	0.2117	NUM
fsr-3412	206	91	*	*	PUNCT
fsr-3412	206	92	*	*	PUNCT
fsr-3412	206	93	*	*	PUNCT
fsr-3412	206	94	0.0356	0.0356	NUM
fsr-3412	206	95	0.2989	0.2989	NUM
fsr-3412	206	96	*	*	PUNCT
fsr-3412	206	97	*	*	PUNCT
fsr-3412	206	98	*	*	X
fsr-3412	206	99	0.0364	0.0364	NUM
fsr-3412	206	100	survey	survey	NOUN
fsr-3412	206	101	year	year	NOUN
fsr-3412	206	102	�	�	PROPN
fsr-3412	206	103	0.0230	0.0230	NUM
fsr-3412	206	104	*	*	PUNCT
fsr-3412	206	105	*	*	PUNCT
fsr-3412	206	106	*	*	PUNCT
fsr-3412	207	1	0.0021	0.0021	NUM
fsr-3412	207	2	0.0169	0.0169	NUM
fsr-3412	207	3	0.0020	0.0020	NUM
fsr-3412	207	4	�	�	PROPN
fsr-3412	207	5	0.0398	0.0398	NUM
fsr-3412	207	6	*	*	PUNCT
fsr-3412	207	7	*	*	PUNCT
fsr-3412	207	8	*	*	X
fsr-3412	207	9	0.0022	0.0022	NUM
fsr-3412	207	10	intercept	intercept	NOUN
fsr-3412	207	11	44.0071	44.0071	NUM
fsr-3412	207	12	*	*	PUNCT
fsr-3412	207	13	*	*	PUNCT
fsr-3412	207	14	*	*	X
fsr-3412	207	15	4.2934	4.2934	NUM
fsr-3412	207	16	�	�	NOUN
fsr-3412	207	17	5.6204	5.6204	NUM
fsr-3412	207	18	3.9183	3.9183	NUM
fsr-3412	207	19	75.8085	75.8085	NUM
fsr-3412	207	20	*	*	PUNCT
fsr-3412	207	21	*	*	PUNCT
fsr-3412	207	22	*	*	PUNCT
fsr-3412	207	23	4.3208	4.3208	NUM
fsr-3412	207	24	other	other	ADJ
fsr-3412	207	25	control	control	NOUN
fsr-3412	207	26	variables	variable	NOUN
fsr-3412	207	27	yes	yes	INTJ
fsr-3412	208	1	yes	yes	INTJ
fsr-3412	208	2	yes	yes	INTJ
fsr-3412	208	3	mean	mean	VERB
fsr-3412	208	4	concordance	concordance	NOUN
fsr-3412	208	5	75.9	75.9	NUM
fsr-3412	208	6	%	%	NOUN
fsr-3412	208	7	71.3	71.3	NUM
fsr-3412	208	8	%	%	NOUN
fsr-3412	208	9	71.7	71.7	NUM
fsr-3412	208	10	%	%	NOUN
fsr-3412	208	11	note	note	NOUN
fsr-3412	208	12	:	:	PUNCT
fsr-3412	208	13	*	*	PUNCT
fsr-3412	208	14	p	p	X
fsr-3412	208	15	�	�	PROPN
fsr-3412	208	16	0.05	0.05	NUM
fsr-3412	208	17	,	,	PUNCT
fsr-3412	208	18	*	*	PUNCT
fsr-3412	208	19	*	*	PUNCT
fsr-3412	208	20	p	p	X
fsr-3412	208	21	�	�	PROPN
fsr-3412	208	22	0.01	0.01	NUM
fsr-3412	208	23	,	,	PUNCT
fsr-3412	208	24	*	*	PUNCT
fsr-3412	208	25	*	*	PUNCT
fsr-3412	208	26	*	*	PUNCT
fsr-3412	208	27	p	p	PROPN
fsr-3412	208	28	�	�	PROPN
fsr-3412	208	29	0.001	0.001	NUM
fsr-3412	208	30	.	.	PUNCT
fsr-3412	209	1	unweighted	unweighte	VERB
fsr-3412	209	2	analysis	analysis	NOUN
fsr-3412	209	3	with	with	ADP
fsr-3412	209	4	rii	rii	ADJ
fsr-3412	209	5	technique	technique	NOUN
fsr-3412	209	6	.	.	PUNCT
fsr-3412	210	1	n	n	X
fsr-3412	210	2	�	�	PROPN
fsr-3412	210	3	35,667	35,667	NUM
fsr-3412	210	4	.	.	PUNCT
fsr-3412	211	1	control	control	NOUN
fsr-3412	211	2	variables	variable	NOUN
fsr-3412	211	3	include	include	VERB
fsr-3412	211	4	the	the	DET
fsr-3412	211	5	independent	independent	ADJ
fsr-3412	211	6	variables	variable	NOUN
fsr-3412	211	7	shown	show	VERB
fsr-3412	211	8	in	in	ADP
fsr-3412	211	9	table	table	NOUN
fsr-3412	211	10	3	3	NUM
fsr-3412	211	11	.	.	PROPN
fsr-3412	211	12	12	12	NUM
fsr-3412	211	13	k.	k.	NOUN
fsr-3412	211	14	tae	tae	PROPN
fsr-3412	212	1	kim	kim	PROPN
fsr-3412	212	2	et	et	PROPN
fsr-3412	212	3	al	al	PROPN
fsr-3412	212	4	.	.	PUNCT
fsr-3412	212	5	/	/	SYM
fsr-3412	212	6	financial	financial	ADJ
fsr-3412	212	7	services	service	NOUN
fsr-3412	212	8	review	review	VERB
fsr-3412	212	9	28	28	NUM
fsr-3412	212	10	(	(	PUNCT
fsr-3412	212	11	2020	2020	NUM
fsr-3412	212	12	)	)	PUNCT
fsr-3412	212	13	1	1	NUM
fsr-3412	212	14	-	-	SYM
fsr-3412	212	15	16	16	NUM
fsr-3412	212	16	ownership	ownership	NOUN
fsr-3412	212	17	,	,	PUNCT
fsr-3412	212	18	controlling	control	VERB
fsr-3412	212	19	for	for	ADP
fsr-3412	212	20	the	the	DET
fsr-3412	212	21	other	other	ADJ
fsr-3412	212	22	independent	independent	ADJ
fsr-3412	212	23	variables	variable	NOUN
fsr-3412	212	24	in	in	ADP
fsr-3412	212	25	table	table	NOUN
fsr-3412	212	26	3	3	NUM
fsr-3412	212	27	.	.	PUNCT
fsr-3412	213	1	the	the	DET
fsr-3412	213	2	scf	scf	PROPN
fsr-3412	213	3	did	do	AUX
fsr-3412	213	4	not	not	PART
fsr-3412	213	5	have	have	VERB
fsr-3412	213	6	a	a	DET
fsr-3412	213	7	specific	specific	ADJ
fsr-3412	213	8	code	code	NOUN
fsr-3412	213	9	for	for	ADP
fsr-3412	213	10	use	use	NOUN
fsr-3412	213	11	of	of	ADP
fsr-3412	213	12	financial	financial	ADJ
fsr-3412	213	13	planners	planner	NOUN
fsr-3412	213	14	before	before	ADP
fsr-3412	213	15	1998	1998	NUM
fsr-3412	213	16	,	,	PUNCT
fsr-3412	213	17	so	so	CCONJ
fsr-3412	213	18	we	we	PRON
fsr-3412	213	19	used	use	VERB
fsr-3412	213	20	a	a	DET
fsr-3412	213	21	pooled	pool	VERB
fsr-3412	213	22	dataset	dataset	NOUN
fsr-3412	213	23	from	from	ADP
fsr-3412	213	24	the	the	DET
fsr-3412	213	25	1998	1998	NUM
fsr-3412	213	26	–	–	SYM
fsr-3412	213	27	2016	2016	NUM
fsr-3412	213	28	scf	scf	NOUN
fsr-3412	213	29	for	for	ADP
fsr-3412	213	30	this	this	DET
fsr-3412	213	31	additional	additional	ADJ
fsr-3412	213	32	analysis	analysis	NOUN
fsr-3412	213	33	.	.	PUNCT
fsr-3412	214	1	the	the	DET
fsr-3412	214	2	utilization	utilization	NOUN
fsr-3412	214	3	of	of	ADP
fsr-3412	214	4	a	a	DET
fsr-3412	214	5	comprehensive	comprehensive	ADJ
fsr-3412	214	6	financial	financial	ADJ
fsr-3412	214	7	planner	planner	NOUN
fsr-3412	214	8	was	be	AUX
fsr-3412	214	9	positively	positively	ADV
fsr-3412	214	10	associated	associate	VERB
fsr-3412	214	11	with	with	ADP
fsr-3412	214	12	ownership	ownership	NOUN
fsr-3412	214	13	of	of	ADP
fsr-3412	214	14	any	any	DET
fsr-3412	214	15	,	,	PUNCT
fsr-3412	214	16	term	term	NOUN
fsr-3412	214	17	,	,	PUNCT
fsr-3412	214	18	and	and	CCONJ
fsr-3412	214	19	cash	cash	NOUN
fsr-3412	214	20	value	value	NOUN
fsr-3412	214	21	life	life	NOUN
fsr-3412	214	22	insurance	insurance	NOUN
fsr-3412	214	23	policies	policy	NOUN
fsr-3412	214	24	.	.	PUNCT
fsr-3412	215	1	households	household	NOUN
fsr-3412	215	2	who	who	PRON
fsr-3412	215	3	used	use	VERB
fsr-3412	215	4	a	a	DET
fsr-3412	215	5	comprehensive	comprehensive	ADJ
fsr-3412	215	6	financial	financial	ADJ
fsr-3412	215	7	planner	planner	NOUN
fsr-3412	215	8	had	have	VERB
fsr-3412	215	9	45.2	45.2	NUM
fsr-3412	215	10	%	%	NOUN
fsr-3412	215	11	higher	high	ADJ
fsr-3412	215	12	odds	odd	NOUN
fsr-3412	215	13	of	of	ADP
fsr-3412	215	14	owning	own	VERB
fsr-3412	215	15	any	any	DET
fsr-3412	215	16	life	life	NOUN
fsr-3412	215	17	insurance	insurance	NOUN
fsr-3412	215	18	than	than	ADP
fsr-3412	215	19	those	those	PRON
fsr-3412	215	20	without	without	ADP
fsr-3412	215	21	using	use	VERB
fsr-3412	215	22	a	a	DET
fsr-3412	215	23	financial	financial	ADJ
fsr-3412	215	24	planner	planner	NOUN
fsr-3412	215	25	.	.	PUNCT
fsr-3412	216	1	similarly	similarly	ADV
fsr-3412	216	2	,	,	PUNCT
fsr-3412	216	3	the	the	DET
fsr-3412	216	4	use	use	NOUN
fsr-3412	216	5	of	of	ADP
fsr-3412	216	6	comprehensive	comprehensive	ADJ
fsr-3412	216	7	financial	financial	ADJ
fsr-3412	216	8	planner	planner	NOUN
fsr-3412	216	9	increased	increase	VERB
fsr-3412	216	10	the	the	DET
fsr-3412	216	11	odds	odd	NOUN
fsr-3412	216	12	of	of	ADP
fsr-3412	216	13	owning	own	VERB
fsr-3412	216	14	term	term	NOUN
fsr-3412	216	15	life	life	NOUN
fsr-3412	216	16	and	and	CCONJ
fsr-3412	216	17	whole	whole	ADJ
fsr-3412	216	18	life	life	NOUN
fsr-3412	216	19	insurance	insurance	NOUN
fsr-3412	216	20	policy	policy	NOUN
fsr-3412	216	21	by	by	ADP
fsr-3412	216	22	24	24	NUM
fsr-3412	216	23	%	%	NOUN
fsr-3412	216	24	and	and	CCONJ
fsr-3412	216	25	35	35	NUM
fsr-3412	216	26	%	%	NOUN
fsr-3412	216	27	,	,	PUNCT
fsr-3412	216	28	respectively	respectively	ADV
fsr-3412	216	29	.	.	PUNCT
fsr-3412	217	1	controlling	control	VERB
fsr-3412	217	2	for	for	ADP
fsr-3412	217	3	use	use	NOUN
fsr-3412	217	4	of	of	ADP
fsr-3412	217	5	a	a	DET
fsr-3412	217	6	financial	financial	ADJ
fsr-3412	217	7	planner	planner	NOUN
fsr-3412	217	8	did	do	AUX
fsr-3412	217	9	not	not	PART
fsr-3412	217	10	substantially	substantially	ADV
fsr-3412	217	11	change	change	VERB
fsr-3412	217	12	the	the	DET
fsr-3412	217	13	effect	effect	NOUN
fsr-3412	217	14	of	of	ADP
fsr-3412	217	15	the	the	DET
fsr-3412	217	16	survey	survey	NOUN
fsr-3412	217	17	year	year	NOUN
fsr-3412	217	18	compared	compare	VERB
fsr-3412	217	19	with	with	ADP
fsr-3412	217	20	the	the	DET
fsr-3412	217	21	results	result	NOUN
fsr-3412	217	22	in	in	ADP
fsr-3412	217	23	table	table	NOUN
fsr-3412	217	24	3	3	NUM
fsr-3412	217	25	,	,	PUNCT
fsr-3412	217	26	as	as	SCONJ
fsr-3412	217	27	the	the	DET
fsr-3412	217	28	survey	survey	NOUN
fsr-3412	217	29	year	year	NOUN
fsr-3412	217	30	had	have	VERB
fsr-3412	217	31	a	a	DET
fsr-3412	217	32	negative	negative	ADJ
fsr-3412	217	33	effect	effect	NOUN
fsr-3412	217	34	for	for	ADP
fsr-3412	217	35	any	any	DET
fsr-3412	217	36	life	life	NOUN
fsr-3412	217	37	insurance	insurance	NOUN
fsr-3412	217	38	and	and	CCONJ
fsr-3412	217	39	for	for	ADP
fsr-3412	217	40	cash	cash	NOUN
fsr-3412	217	41	value	value	NOUN
fsr-3412	217	42	life	life	NOUN
fsr-3412	217	43	insurance	insurance	NOUN
fsr-3412	217	44	,	,	PUNCT
fsr-3412	217	45	but	but	CCONJ
fsr-3412	217	46	the	the	DET
fsr-3412	217	47	effect	effect	NOUN
fsr-3412	217	48	was	be	AUX
fsr-3412	217	49	not	not	PART
fsr-3412	217	50	significantly	significantly	ADV
fsr-3412	217	51	different	different	ADJ
fsr-3412	217	52	from	from	ADP
fsr-3412	217	53	zero	zero	NUM
fsr-3412	217	54	for	for	ADP
fsr-3412	217	55	term	term	NOUN
fsr-3412	217	56	life	life	NOUN
fsr-3412	217	57	insurance	insurance	NOUN
fsr-3412	217	58	.	.	PUNCT
fsr-3412	218	1	5	5	X
fsr-3412	218	2	.	.	X
fsr-3412	218	3	discussion	discussion	NOUN
fsr-3412	218	4	and	and	CCONJ
fsr-3412	218	5	implication	implication	NOUN
fsr-3412	218	6	the	the	DET
fsr-3412	218	7	effect	effect	NOUN
fsr-3412	218	8	of	of	ADP
fsr-3412	218	9	the	the	DET
fsr-3412	218	10	time	time	NOUN
fsr-3412	218	11	trend	trend	NOUN
fsr-3412	218	12	in	in	ADP
fsr-3412	218	13	the	the	DET
fsr-3412	218	14	logistic	logistic	ADJ
fsr-3412	218	15	regression	regression	NOUN
fsr-3412	218	16	means	mean	VERB
fsr-3412	218	17	that	that	SCONJ
fsr-3412	218	18	even	even	ADV
fsr-3412	218	19	if	if	SCONJ
fsr-3412	218	20	the	the	DET
fsr-3412	218	21	characteristics	characteristic	NOUN
fsr-3412	218	22	of	of	ADP
fsr-3412	218	23	households	household	NOUN
fsr-3412	218	24	in	in	ADP
fsr-3412	218	25	the	the	DET
fsr-3412	218	26	united	united	PROPN
fsr-3412	218	27	states	states	PROPN
fsr-3412	218	28	had	have	AUX
fsr-3412	218	29	not	not	PART
fsr-3412	218	30	changed	change	VERB
fsr-3412	218	31	between	between	ADP
fsr-3412	218	32	1992	1992	NUM
fsr-3412	218	33	and	and	CCONJ
fsr-3412	218	34	2016	2016	NUM
fsr-3412	218	35	,	,	PUNCT
fsr-3412	218	36	there	there	PRON
fsr-3412	218	37	would	would	AUX
fsr-3412	218	38	have	have	AUX
fsr-3412	218	39	been	be	AUX
fsr-3412	218	40	a	a	DET
fsr-3412	218	41	substantial	substantial	ADJ
fsr-3412	218	42	decrease	decrease	NOUN
fsr-3412	218	43	in	in	ADP
fsr-3412	218	44	ownership	ownership	NOUN
fsr-3412	218	45	of	of	ADP
fsr-3412	218	46	any	any	DET
fsr-3412	218	47	life	life	NOUN
fsr-3412	218	48	insurance	insurance	NOUN
fsr-3412	218	49	and	and	CCONJ
fsr-3412	218	50	of	of	ADP
fsr-3412	218	51	cash	cash	NOUN
fsr-3412	218	52	value	value	NOUN
fsr-3412	218	53	life	life	NOUN
fsr-3412	218	54	insurance	insurance	NOUN
fsr-3412	218	55	during	during	ADP
fsr-3412	218	56	that	that	DET
fsr-3412	218	57	period	period	NOUN
fsr-3412	218	58	.	.	PUNCT
fsr-3412	219	1	however	however	ADV
fsr-3412	219	2	,	,	PUNCT
fsr-3412	219	3	based	base	VERB
fsr-3412	219	4	on	on	ADP
fsr-3412	219	5	the	the	DET
fsr-3412	219	6	logistic	logistic	ADJ
fsr-3412	219	7	regression	regression	NOUN
fsr-3412	219	8	in	in	ADP
fsr-3412	219	9	table	table	NOUN
fsr-3412	219	10	3	3	NUM
fsr-3412	219	11	,	,	PUNCT
fsr-3412	219	12	ownership	ownership	NOUN
fsr-3412	219	13	of	of	ADP
fsr-3412	219	14	term	term	NOUN
fsr-3412	219	15	life	life	NOUN
fsr-3412	219	16	insurance	insurance	NOUN
fsr-3412	219	17	might	might	AUX
fsr-3412	219	18	not	not	PART
fsr-3412	219	19	have	have	AUX
fsr-3412	219	20	decreased	decrease	VERB
fsr-3412	219	21	if	if	SCONJ
fsr-3412	219	22	household	household	NOUN
fsr-3412	219	23	characteristics	characteristic	NOUN
fsr-3412	219	24	had	have	AUX
fsr-3412	219	25	not	not	PART
fsr-3412	219	26	changed	change	VERB
fsr-3412	219	27	.	.	PUNCT
fsr-3412	220	1	the	the	DET
fsr-3412	220	2	trends	trend	NOUN
fsr-3412	220	3	for	for	ADP
fsr-3412	220	4	some	some	DET
fsr-3412	220	5	household	household	NOUN
fsr-3412	220	6	characteristics	characteristic	NOUN
fsr-3412	220	7	related	relate	VERB
fsr-3412	220	8	to	to	ADP
fsr-3412	220	9	lower	low	ADJ
fsr-3412	220	10	likelihood	likelihood	NOUN
fsr-3412	220	11	of	of	ADP
fsr-3412	220	12	life	life	NOUN
fsr-3412	220	13	insurance	insurance	NOUN
fsr-3412	220	14	ownership	ownership	NOUN
fsr-3412	220	15	(	(	PUNCT
fsr-3412	220	16	hispanic	hispanic	ADJ
fsr-3412	220	17	and	and	CCONJ
fsr-3412	220	18	asian	asian	ADJ
fsr-3412	220	19	/	/	SYM
fsr-3412	220	20	other	other	ADJ
fsr-3412	220	21	households	household	NOUN
fsr-3412	220	22	,	,	PUNCT
fsr-3412	220	23	unmarried	unmarried	ADJ
fsr-3412	220	24	households	household	NOUN
fsr-3412	220	25	)	)	PUNCT
fsr-3412	220	26	might	might	AUX
fsr-3412	220	27	have	have	AUX
fsr-3412	220	28	contributed	contribute	VERB
fsr-3412	220	29	to	to	PART
fsr-3412	220	30	lower	lower	VERB
fsr-3412	220	31	ownership	ownership	NOUN
fsr-3412	220	32	during	during	ADP
fsr-3412	220	33	the	the	DET
fsr-3412	220	34	1992	1992	NUM
fsr-3412	220	35	to	to	ADP
fsr-3412	220	36	2016	2016	NUM
fsr-3412	220	37	period	period	NOUN
fsr-3412	220	38	,	,	PUNCT
fsr-3412	220	39	but	but	CCONJ
fsr-3412	220	40	the	the	DET
fsr-3412	220	41	trends	trend	NOUN
fsr-3412	220	42	for	for	ADP
fsr-3412	220	43	education	education	NOUN
fsr-3412	220	44	and	and	CCONJ
fsr-3412	220	45	age	age	NOUN
fsr-3412	220	46	might	might	AUX
fsr-3412	220	47	have	have	AUX
fsr-3412	220	48	contributed	contribute	VERB
fsr-3412	220	49	to	to	ADP
fsr-3412	220	50	increased	increase	VERB
fsr-3412	220	51	ownership	ownership	NOUN
fsr-3412	220	52	.	.	PUNCT
fsr-3412	221	1	overall	overall	ADJ
fsr-3412	221	2	,	,	PUNCT
fsr-3412	221	3	changes	change	NOUN
fsr-3412	221	4	in	in	ADP
fsr-3412	221	5	household	household	NOUN
fsr-3412	221	6	characteristics	characteristic	NOUN
fsr-3412	221	7	during	during	ADP
fsr-3412	221	8	the	the	DET
fsr-3412	221	9	periods	period	NOUN
fsr-3412	221	10	played	play	VERB
fsr-3412	221	11	a	a	DET
fsr-3412	221	12	relatively	relatively	ADV
fsr-3412	221	13	small	small	ADJ
fsr-3412	221	14	role	role	NOUN
fsr-3412	221	15	in	in	ADP
fsr-3412	221	16	the	the	DET
fsr-3412	221	17	decreases	decrease	NOUN
fsr-3412	221	18	in	in	ADP
fsr-3412	221	19	ownership	ownership	NOUN
fsr-3412	221	20	of	of	ADP
fsr-3412	221	21	any	any	PRON
fsr-3412	221	22	and	and	CCONJ
fsr-3412	221	23	of	of	ADP
fsr-3412	221	24	cash	cash	NOUN
fsr-3412	221	25	value	value	NOUN
fsr-3412	221	26	life	life	NOUN
fsr-3412	221	27	insurance	insurance	NOUN
fsr-3412	221	28	,	,	PUNCT
fsr-3412	221	29	partly	partly	ADV
fsr-3412	221	30	because	because	SCONJ
fsr-3412	221	31	most	most	ADJ
fsr-3412	221	32	household	household	NOUN
fsr-3412	221	33	characteristics	characteristic	NOUN
fsr-3412	221	34	changed	change	VERB
fsr-3412	221	35	slowly	slowly	ADV
fsr-3412	221	36	.	.	PUNCT
fsr-3412	222	1	for	for	ADP
fsr-3412	222	2	instance	instance	NOUN
fsr-3412	222	3	,	,	PUNCT
fsr-3412	222	4	the	the	DET
fsr-3412	222	5	proportion	proportion	NOUN
fsr-3412	222	6	of	of	ADP
fsr-3412	222	7	households	household	NOUN
fsr-3412	222	8	with	with	ADP
fsr-3412	222	9	married	married	ADJ
fsr-3412	222	10	couples	couple	NOUN
fsr-3412	222	11	decreased	decrease	VERB
fsr-3412	222	12	from	from	ADP
fsr-3412	222	13	53.9	53.9	NUM
fsr-3412	222	14	%	%	NOUN
fsr-3412	222	15	in	in	ADP
fsr-3412	222	16	1992	1992	NUM
fsr-3412	222	17	to	to	ADP
fsr-3412	222	18	46.8	46.8	NUM
fsr-3412	222	19	%	%	NOUN
fsr-3412	222	20	in	in	ADP
fsr-3412	222	21	2016	2016	NUM
fsr-3412	222	22	,	,	PUNCT
fsr-3412	222	23	and	and	CCONJ
fsr-3412	222	24	the	the	DET
fsr-3412	222	25	proportion	proportion	NOUN
fsr-3412	222	26	of	of	ADP
fsr-3412	222	27	household	household	NOUN
fsr-3412	222	28	heads	head	NOUN
fsr-3412	222	29	who	who	PRON
fsr-3412	222	30	were	be	AUX
fsr-3412	222	31	employees	employee	NOUN
fsr-3412	222	32	(	(	PUNCT
fsr-3412	222	33	vs.	vs.	ADP
fsr-3412	222	34	self	self	NOUN
fsr-3412	222	35	-	-	PUNCT
fsr-3412	222	36	employed	employ	VERB
fsr-3412	222	37	or	or	CCONJ
fsr-3412	222	38	retired	retire	VERB
fsr-3412	222	39	or	or	CCONJ
fsr-3412	222	40	not	not	PART
fsr-3412	222	41	working	work	VERB
fsr-3412	222	42	)	)	PUNCT
fsr-3412	222	43	changed	change	VERB
fsr-3412	222	44	from	from	ADP
fsr-3412	222	45	55	55	NUM
fsr-3412	222	46	%	%	NOUN
fsr-3412	222	47	in	in	ADP
fsr-3412	222	48	1992	1992	NUM
fsr-3412	222	49	to	to	ADP
fsr-3412	222	50	56	56	NUM
fsr-3412	222	51	%	%	NOUN
fsr-3412	222	52	in	in	ADP
fsr-3412	222	53	2016	2016	NUM
fsr-3412	222	54	.	.	PUNCT
fsr-3412	223	1	insuring	insure	VERB
fsr-3412	223	2	human	human	ADJ
fsr-3412	223	3	wealth	wealth	NOUN
fsr-3412	223	4	is	be	AUX
fsr-3412	223	5	an	an	DET
fsr-3412	223	6	appropriate	appropriate	ADJ
fsr-3412	223	7	life	life	NOUN
fsr-3412	223	8	insurance	insurance	NOUN
fsr-3412	223	9	objective	objective	NOUN
fsr-3412	223	10	(	(	PUNCT
fsr-3412	223	11	chen	chen	PROPN
fsr-3412	223	12	,	,	PUNCT
fsr-3412	223	13	ibbotson	ibbotson	PROPN
fsr-3412	223	14	,	,	PUNCT
fsr-3412	223	15	milevsky	milevsky	NOUN
fsr-3412	223	16	,	,	PUNCT
fsr-3412	223	17	and	and	CCONJ
fsr-3412	223	18	zhu	zhu	PROPN
fsr-3412	223	19	,	,	PUNCT
fsr-3412	223	20	2006	2006	NUM
fsr-3412	223	21	)	)	PUNCT
fsr-3412	223	22	but	but	CCONJ
fsr-3412	223	23	even	even	ADV
fsr-3412	223	24	at	at	ADP
fsr-3412	223	25	the	the	DET
fsr-3412	223	26	current	current	ADJ
fsr-3412	223	27	ownership	ownership	NOUN
fsr-3412	223	28	rates	rate	NOUN
fsr-3412	223	29	,	,	PUNCT
fsr-3412	223	30	the	the	DET
fsr-3412	223	31	amount	amount	NOUN
fsr-3412	223	32	of	of	ADP
fsr-3412	223	33	life	life	NOUN
fsr-3412	223	34	insurance	insurance	NOUN
fsr-3412	223	35	is	be	AUX
fsr-3412	223	36	not	not	PART
fsr-3412	223	37	enough	enough	ADJ
fsr-3412	223	38	to	to	PART
fsr-3412	223	39	replace	replace	VERB
fsr-3412	223	40	lost	lose	VERB
fsr-3412	223	41	human	human	ADJ
fsr-3412	223	42	wealth	wealth	NOUN
fsr-3412	223	43	for	for	ADP
fsr-3412	223	44	many	many	ADJ
fsr-3412	223	45	households	household	NOUN
fsr-3412	223	46	(	(	PUNCT
fsr-3412	223	47	mountain	mountain	NOUN
fsr-3412	223	48	,	,	PUNCT
fsr-3412	223	49	2015	2015	NUM
fsr-3412	223	50	)	)	PUNCT
fsr-3412	223	51	.	.	PUNCT
fsr-3412	224	1	while	while	SCONJ
fsr-3412	224	2	the	the	DET
fsr-3412	224	3	cash	cash	NOUN
fsr-3412	224	4	-	-	PUNCT
fsr-3412	224	5	value	value	NOUN
fsr-3412	224	6	policy	policy	NOUN
fsr-3412	224	7	decline	decline	NOUN
fsr-3412	224	8	may	may	AUX
fsr-3412	224	9	reflect	reflect	VERB
fsr-3412	224	10	rational	rational	ADJ
fsr-3412	224	11	decision	decision	NOUN
fsr-3412	224	12	-	-	PUNCT
fsr-3412	224	13	making	making	NOUN
fsr-3412	224	14	because	because	SCONJ
fsr-3412	224	15	of	of	ADP
fsr-3412	224	16	changes	change	NOUN
fsr-3412	224	17	in	in	ADP
fsr-3412	224	18	tax	tax	NOUN
fsr-3412	224	19	laws	law	NOUN
fsr-3412	224	20	and	and	CCONJ
fsr-3412	224	21	the	the	DET
fsr-3412	224	22	increase	increase	NOUN
fsr-3412	224	23	in	in	ADP
fsr-3412	224	24	tax	tax	NOUN
fsr-3412	224	25	advantaged	advantage	VERB
fsr-3412	224	26	investment	investment	NOUN
fsr-3412	224	27	options	option	NOUN
fsr-3412	224	28	,	,	PUNCT
fsr-3412	224	29	these	these	DET
fsr-3412	224	30	patterns	pattern	NOUN
fsr-3412	224	31	could	could	AUX
fsr-3412	224	32	change	change	VERB
fsr-3412	224	33	with	with	ADP
fsr-3412	224	34	changes	change	NOUN
fsr-3412	224	35	in	in	ADP
fsr-3412	224	36	the	the	DET
fsr-3412	224	37	federal	federal	ADJ
fsr-3412	224	38	income	income	NOUN
fsr-3412	224	39	tax	tax	NOUN
fsr-3412	224	40	and	and	CCONJ
fsr-3412	224	41	with	with	ADP
fsr-3412	224	42	any	any	DET
fsr-3412	224	43	substantial	substantial	ADJ
fsr-3412	224	44	changes	change	NOUN
fsr-3412	224	45	in	in	ADP
fsr-3412	224	46	the	the	DET
fsr-3412	224	47	federal	federal	ADJ
fsr-3412	224	48	estate	estate	NOUN
fsr-3412	224	49	tax	tax	NOUN
fsr-3412	224	50	.	.	PUNCT
fsr-3412	225	1	durham	durham	PROPN
fsr-3412	225	2	(	(	PUNCT
fsr-3412	225	3	2015	2015	NUM
fsr-3412	225	4	)	)	PUNCT
fsr-3412	225	5	found	find	VERB
fsr-3412	225	6	that	that	SCONJ
fsr-3412	225	7	households	household	NOUN
fsr-3412	225	8	often	often	ADV
fsr-3412	225	9	overestimate	overestimate	VERB
fsr-3412	225	10	the	the	DET
fsr-3412	225	11	cost	cost	NOUN
fsr-3412	225	12	of	of	ADP
fsr-3412	225	13	life	life	NOUN
fsr-3412	225	14	insurance	insurance	NOUN
fsr-3412	225	15	and	and	CCONJ
fsr-3412	225	16	do	do	VERB
fsr-3412	225	17	so	so	ADV
fsr-3412	225	18	by	by	ADP
fsr-3412	225	19	drastic	drastic	ADJ
fsr-3412	225	20	amounts	amount	NOUN
fsr-3412	225	21	.	.	PUNCT
fsr-3412	226	1	when	when	SCONJ
fsr-3412	226	2	households	household	NOUN
fsr-3412	226	3	were	be	AUX
fsr-3412	226	4	asked	ask	VERB
fsr-3412	226	5	to	to	PART
fsr-3412	226	6	provide	provide	VERB
fsr-3412	226	7	what	what	PRON
fsr-3412	226	8	they	they	PRON
fsr-3412	226	9	thought	think	VERB
fsr-3412	226	10	a	a	DET
fsr-3412	226	11	$	$	SYM
fsr-3412	226	12	250,000	250,000	NUM
fsr-3412	226	13	20	20	NUM
fsr-3412	226	14	-	-	PUNCT
fsr-3412	226	15	year	year	NOUN
fsr-3412	226	16	term	term	NOUN
fsr-3412	226	17	policy	policy	NOUN
fsr-3412	226	18	would	would	AUX
fsr-3412	226	19	cost	cost	VERB
fsr-3412	226	20	,	,	PUNCT
fsr-3412	226	21	one	one	NUM
fsr-3412	226	22	-	-	PUNCT
fsr-3412	226	23	quarter	quarter	NOUN
fsr-3412	226	24	overestimated	overestimate	VERB
fsr-3412	226	25	the	the	DET
fsr-3412	226	26	cost	cost	NOUN
fsr-3412	226	27	by	by	ADP
fsr-3412	226	28	625	625	NUM
fsr-3412	226	29	%	%	NOUN
fsr-3412	226	30	and	and	CCONJ
fsr-3412	226	31	one	one	NUM
fsr-3412	226	32	half	half	NOUN
fsr-3412	226	33	overestimated	overestimate	VERB
fsr-3412	226	34	the	the	DET
fsr-3412	226	35	cost	cost	NOUN
fsr-3412	226	36	by	by	ADP
fsr-3412	226	37	250	250	NUM
fsr-3412	226	38	%	%	NOUN
fsr-3412	226	39	.	.	PUNCT
fsr-3412	227	1	meanwhile	meanwhile	ADV
fsr-3412	227	2	,	,	PUNCT
fsr-3412	227	3	life	life	NOUN
fsr-3412	227	4	insurance	insurance	NOUN
fsr-3412	227	5	advice	advice	NOUN
fsr-3412	227	6	from	from	ADP
fsr-3412	227	7	a	a	DET
fsr-3412	227	8	financial	financial	ADJ
fsr-3412	227	9	planner	planner	NOUN
fsr-3412	227	10	is	be	AUX
fsr-3412	227	11	something	something	PRON
fsr-3412	227	12	that	that	PRON
fsr-3412	227	13	families	family	NOUN
fsr-3412	227	14	place	place	VERB
fsr-3412	227	15	a	a	DET
fsr-3412	227	16	low	low	ADJ
fsr-3412	227	17	value	value	NOUN
fsr-3412	227	18	on	on	ADP
fsr-3412	227	19	(	(	PUNCT
fsr-3412	227	20	warschauer	warschauer	NOUN
fsr-3412	227	21	and	and	CCONJ
fsr-3412	227	22	sciglimpaglia	sciglimpaglia	NOUN
fsr-3412	227	23	,	,	PUNCT
fsr-3412	227	24	2012	2012	NUM
fsr-3412	227	25	)	)	PUNCT
fsr-3412	227	26	,	,	PUNCT
fsr-3412	227	27	making	make	VERB
fsr-3412	227	28	life	life	NOUN
fsr-3412	227	29	insurance	insurance	NOUN
fsr-3412	227	30	planning	plan	VERB
fsr-3412	227	31	something	something	PRON
fsr-3412	227	32	a	a	DET
fsr-3412	227	33	family	family	NOUN
fsr-3412	227	34	is	be	AUX
fsr-3412	227	35	more	more	ADV
fsr-3412	227	36	likely	likely	ADJ
fsr-3412	227	37	13k	13k	NUM
fsr-3412	227	38	.	.	PUNCT
fsr-3412	228	1	tae	tae	PROPN
fsr-3412	228	2	kim	kim	PROPN
fsr-3412	228	3	et	et	PROPN
fsr-3412	228	4	al	al	PROPN
fsr-3412	228	5	.	.	PUNCT
fsr-3412	228	6	/	/	SYM
fsr-3412	228	7	financial	financial	ADJ
fsr-3412	228	8	services	service	NOUN
fsr-3412	228	9	review	review	VERB
fsr-3412	228	10	28	28	NUM
fsr-3412	228	11	(	(	PUNCT
fsr-3412	228	12	2020	2020	NUM
fsr-3412	228	13	)	)	PUNCT
fsr-3412	228	14	1	1	NUM
fsr-3412	228	15	-	-	SYM
fsr-3412	228	16	16	16	NUM
fsr-3412	228	17	to	to	PART
fsr-3412	228	18	do	do	VERB
fsr-3412	228	19	on	on	ADP
fsr-3412	228	20	its	its	PRON
fsr-3412	228	21	own	own	ADJ
fsr-3412	228	22	.	.	PUNCT
fsr-3412	229	1	while	while	SCONJ
fsr-3412	229	2	we	we	PRON
fsr-3412	229	3	found	find	VERB
fsr-3412	229	4	higher	high	ADJ
fsr-3412	229	5	likelihood	likelihood	NOUN
fsr-3412	229	6	of	of	ADP
fsr-3412	229	7	life	life	NOUN
fsr-3412	229	8	insurance	insurance	NOUN
fsr-3412	229	9	ownership	ownership	NOUN
fsr-3412	229	10	for	for	ADP
fsr-3412	229	11	households	household	NOUN
fsr-3412	229	12	who	who	PRON
fsr-3412	229	13	have	have	VERB
fsr-3412	229	14	a	a	DET
fsr-3412	229	15	financial	financial	ADJ
fsr-3412	229	16	planner	planner	NOUN
fsr-3412	229	17	,	,	PUNCT
fsr-3412	229	18	we	we	PRON
fsr-3412	229	19	can	can	AUX
fsr-3412	229	20	not	not	PART
fsr-3412	229	21	be	be	AUX
fsr-3412	229	22	certain	certain	ADJ
fsr-3412	229	23	if	if	SCONJ
fsr-3412	229	24	the	the	DET
fsr-3412	229	25	financial	financial	ADJ
fsr-3412	229	26	planner	planner	NOUN
fsr-3412	229	27	’s	’s	PART
fsr-3412	229	28	advice	advice	NOUN
fsr-3412	229	29	led	lead	VERB
fsr-3412	229	30	to	to	ADP
fsr-3412	229	31	life	life	NOUN
fsr-3412	229	32	insurance	insurance	NOUN
fsr-3412	229	33	ownership	ownership	NOUN
fsr-3412	229	34	or	or	CCONJ
fsr-3412	229	35	if	if	SCONJ
fsr-3412	229	36	households	household	NOUN
fsr-3412	229	37	who	who	PRON
fsr-3412	229	38	have	have	VERB
fsr-3412	229	39	life	life	NOUN
fsr-3412	229	40	insurance	insurance	NOUN
fsr-3412	229	41	were	be	AUX
fsr-3412	229	42	more	more	ADV
fsr-3412	229	43	likely	likely	ADJ
fsr-3412	229	44	to	to	PART
fsr-3412	229	45	seek	seek	VERB
fsr-3412	229	46	advice	advice	NOUN
fsr-3412	229	47	from	from	ADP
fsr-3412	229	48	a	a	DET
fsr-3412	229	49	financial	financial	ADJ
fsr-3412	229	50	planner	planner	NOUN
fsr-3412	229	51	.	.	PUNCT
fsr-3412	230	1	future	future	ADJ
fsr-3412	230	2	research	research	NOUN
fsr-3412	230	3	might	might	AUX
fsr-3412	230	4	use	use	VERB
fsr-3412	230	5	methods	method	NOUN
fsr-3412	230	6	to	to	PART
fsr-3412	230	7	correct	correct	VERB
fsr-3412	230	8	for	for	ADP
fsr-3412	230	9	the	the	DET
fsr-3412	230	10	selection	selection	NOUN
fsr-3412	230	11	effect	effect	NOUN
fsr-3412	230	12	,	,	PUNCT
fsr-3412	230	13	as	as	SCONJ
fsr-3412	230	14	was	be	AUX
fsr-3412	230	15	done	do	VERB
fsr-3412	230	16	by	by	ADP
fsr-3412	230	17	kim	kim	PROPN
fsr-3412	230	18	,	,	PUNCT
fsr-3412	230	19	pak	pak	PROPN
fsr-3412	230	20	,	,	PUNCT
fsr-3412	230	21	shin	shin	NOUN
fsr-3412	230	22	,	,	PUNCT
fsr-3412	230	23	and	and	CCONJ
fsr-3412	230	24	hanna	hanna	PROPN
fsr-3412	230	25	(	(	PUNCT
fsr-3412	230	26	2018	2018	NUM
fsr-3412	230	27	)	)	PUNCT
fsr-3412	230	28	for	for	ADP
fsr-3412	230	29	analyses	analysis	NOUN
fsr-3412	230	30	of	of	ADP
fsr-3412	230	31	the	the	DET
fsr-3412	230	32	effect	effect	NOUN
fsr-3412	230	33	of	of	ADP
fsr-3412	230	34	financial	financial	ADJ
fsr-3412	230	35	planner	planner	NOUN
fsr-3412	230	36	use	use	NOUN
fsr-3412	230	37	on	on	ADP
fsr-3412	230	38	holding	hold	VERB
fsr-3412	230	39	a	a	DET
fsr-3412	230	40	retirement	retirement	NOUN
fsr-3412	230	41	savings	saving	NOUN
fsr-3412	230	42	goal	goal	NOUN
fsr-3412	230	43	.	.	PUNCT
fsr-3412	231	1	it	it	PRON
fsr-3412	231	2	is	be	AUX
fsr-3412	231	3	of	of	ADP
fsr-3412	231	4	little	little	ADJ
fsr-3412	231	5	surprise	surprise	NOUN
fsr-3412	231	6	that	that	SCONJ
fsr-3412	231	7	life	life	NOUN
fsr-3412	231	8	insurance	insurance	NOUN
fsr-3412	231	9	ownership	ownership	NOUN
fsr-3412	231	10	trends	trend	NOUN
fsr-3412	231	11	are	be	AUX
fsr-3412	231	12	decreasing	decrease	VERB
fsr-3412	231	13	when	when	SCONJ
fsr-3412	231	14	households	household	NOUN
fsr-3412	231	15	place	place	VERB
fsr-3412	231	16	little	little	ADJ
fsr-3412	231	17	importance	importance	NOUN
fsr-3412	231	18	on	on	ADP
fsr-3412	231	19	life	life	NOUN
fsr-3412	231	20	insurance	insurance	NOUN
fsr-3412	231	21	planning	planning	NOUN
fsr-3412	231	22	while	while	SCONJ
fsr-3412	231	23	also	also	ADV
fsr-3412	231	24	dramatically	dramatically	ADV
fsr-3412	231	25	overestimating	overestimate	VERB
fsr-3412	231	26	its	its	PRON
fsr-3412	231	27	cost	cost	NOUN
fsr-3412	231	28	.	.	PUNCT
fsr-3412	232	1	if	if	SCONJ
fsr-3412	232	2	financial	financial	ADJ
fsr-3412	232	3	planners	planner	NOUN
fsr-3412	232	4	were	be	AUX
fsr-3412	232	5	to	to	PART
fsr-3412	232	6	view	view	VERB
fsr-3412	232	7	term	term	NOUN
fsr-3412	232	8	life	life	NOUN
fsr-3412	232	9	insurance	insurance	NOUN
fsr-3412	232	10	as	as	ADP
fsr-3412	232	11	a	a	DET
fsr-3412	232	12	loss	loss	NOUN
fsr-3412	232	13	leader	leader	NOUN
fsr-3412	232	14	product	product	NOUN
fsr-3412	232	15	,	,	PUNCT
fsr-3412	232	16	or	or	CCONJ
fsr-3412	232	17	a	a	DET
fsr-3412	232	18	breakeven	breakeven	ADJ
fsr-3412	232	19	product	product	NOUN
fsr-3412	232	20	,	,	PUNCT
fsr-3412	232	21	instead	instead	ADV
fsr-3412	232	22	of	of	ADP
fsr-3412	232	23	a	a	DET
fsr-3412	232	24	profit	profit	NOUN
fsr-3412	232	25	generator	generator	NOUN
fsr-3412	232	26	,	,	PUNCT
fsr-3412	232	27	both	both	CCONJ
fsr-3412	232	28	the	the	DET
fsr-3412	232	29	financial	financial	ADJ
fsr-3412	232	30	planner	planner	NOUN
fsr-3412	232	31	and	and	CCONJ
fsr-3412	232	32	client	client	NOUN
fsr-3412	232	33	might	might	AUX
fsr-3412	232	34	be	be	AUX
fsr-3412	232	35	better	well	ADJ
fsr-3412	232	36	off	off	ADV
fsr-3412	232	37	.	.	PUNCT
fsr-3412	233	1	as	as	ADP
fsr-3412	233	2	a	a	DET
fsr-3412	233	3	gateway	gateway	NOUN
fsr-3412	233	4	product	product	NOUN
fsr-3412	233	5	,	,	PUNCT
fsr-3412	233	6	term	term	NOUN
fsr-3412	233	7	insurance	insurance	NOUN
fsr-3412	233	8	can	can	AUX
fsr-3412	233	9	help	help	VERB
fsr-3412	233	10	establish	establish	VERB
fsr-3412	233	11	trust	trust	NOUN
fsr-3412	233	12	and	and	CCONJ
fsr-3412	233	13	rapport	rapport	NOUN
fsr-3412	233	14	with	with	ADP
fsr-3412	233	15	clients	client	NOUN
fsr-3412	233	16	.	.	PUNCT
fsr-3412	234	1	planners	planner	NOUN
fsr-3412	234	2	could	could	AUX
fsr-3412	234	3	start	start	VERB
fsr-3412	234	4	by	by	ADP
fsr-3412	234	5	asking	ask	VERB
fsr-3412	234	6	the	the	DET
fsr-3412	234	7	client	client	NOUN
fsr-3412	234	8	how	how	SCONJ
fsr-3412	234	9	much	much	ADV
fsr-3412	234	10	they	they	PRON
fsr-3412	234	11	think	think	VERB
fsr-3412	234	12	a	a	DET
fsr-3412	234	13	$	$	SYM
fsr-3412	234	14	100,000	100,000	NUM
fsr-3412	234	15	20	20	NUM
fsr-3412	234	16	-	-	PUNCT
fsr-3412	234	17	year	year	NOUN
fsr-3412	234	18	term	term	NOUN
fsr-3412	234	19	life	life	NOUN
fsr-3412	234	20	policy	policy	NOUN
fsr-3412	234	21	would	would	AUX
fsr-3412	234	22	cost	cost	VERB
fsr-3412	234	23	them	they	PRON
fsr-3412	234	24	,	,	PUNCT
fsr-3412	234	25	and	and	CCONJ
fsr-3412	234	26	see	see	VERB
fsr-3412	234	27	how	how	SCONJ
fsr-3412	234	28	that	that	PRON
fsr-3412	234	29	compares	compare	VERB
fsr-3412	234	30	with	with	ADP
fsr-3412	234	31	reality	reality	NOUN
fsr-3412	234	32	.	.	PUNCT
fsr-3412	235	1	once	once	SCONJ
fsr-3412	235	2	the	the	DET
fsr-3412	235	3	client	client	NOUN
fsr-3412	235	4	has	have	VERB
fsr-3412	235	5	the	the	DET
fsr-3412	235	6	peace	peace	NOUN
fsr-3412	235	7	of	of	ADP
fsr-3412	235	8	mind	mind	NOUN
fsr-3412	235	9	that	that	SCONJ
fsr-3412	235	10	his	his	PRON
fsr-3412	235	11	or	or	CCONJ
fsr-3412	235	12	family	family	NOUN
fsr-3412	235	13	will	will	AUX
fsr-3412	235	14	be	be	AUX
fsr-3412	235	15	financially	financially	ADV
fsr-3412	235	16	taken	take	VERB
fsr-3412	235	17	care	care	NOUN
fsr-3412	235	18	of	of	ADP
fsr-3412	235	19	upon	upon	SCONJ
fsr-3412	235	20	an	an	DET
fsr-3412	235	21	untimely	untimely	ADJ
fsr-3412	235	22	death	death	NOUN
fsr-3412	235	23	,	,	PUNCT
fsr-3412	235	24	relatively	relatively	ADV
fsr-3412	235	25	inexpensively	inexpensively	ADV
fsr-3412	235	26	,	,	PUNCT
fsr-3412	235	27	transition	transition	NOUN
fsr-3412	235	28	to	to	ADP
fsr-3412	235	29	other	other	ADJ
fsr-3412	235	30	planning	planning	NOUN
fsr-3412	235	31	areas	area	NOUN
fsr-3412	235	32	can	can	AUX
fsr-3412	235	33	ensue	ensue	VERB
fsr-3412	235	34	.	.	PUNCT
fsr-3412	236	1	this	this	DET
fsr-3412	236	2	approach	approach	NOUN
fsr-3412	236	3	would	would	AUX
fsr-3412	236	4	likely	likely	ADV
fsr-3412	236	5	benefit	benefit	VERB
fsr-3412	236	6	financial	financial	ADJ
fsr-3412	236	7	planners	planner	NOUN
fsr-3412	236	8	who	who	PRON
fsr-3412	236	9	are	be	AUX
fsr-3412	236	10	following	follow	VERB
fsr-3412	236	11	or	or	CCONJ
fsr-3412	236	12	not	not	PART
fsr-3412	236	13	following	follow	VERB
fsr-3412	236	14	a	a	DET
fsr-3412	236	15	fiduciary	fiduciary	ADJ
fsr-3412	236	16	standard	standard	NOUN
fsr-3412	236	17	,	,	PUNCT
fsr-3412	236	18	recommendations	recommendation	NOUN
fsr-3412	236	19	of	of	ADP
fsr-3412	236	20	term	term	NOUN
fsr-3412	236	21	life	life	NOUN
fsr-3412	236	22	insurance	insurance	NOUN
fsr-3412	236	23	without	without	ADP
fsr-3412	236	24	direct	direct	ADJ
fsr-3412	236	25	financial	financial	ADJ
fsr-3412	236	26	benefit	benefit	NOUN
fsr-3412	236	27	may	may	AUX
fsr-3412	236	28	diminish	diminish	VERB
fsr-3412	236	29	apprehension	apprehension	NOUN
fsr-3412	236	30	some	some	DET
fsr-3412	236	31	clients	client	NOUN
fsr-3412	236	32	might	might	AUX
fsr-3412	236	33	otherwise	otherwise	ADV
fsr-3412	236	34	feel	feel	VERB
fsr-3412	236	35	may	may	AUX
fsr-3412	236	36	have	have	VERB
fsr-3412	236	37	when	when	SCONJ
fsr-3412	236	38	presented	present	VERB
fsr-3412	236	39	with	with	ADP
fsr-3412	236	40	the	the	DET
fsr-3412	236	41	advice	advice	NOUN
fsr-3412	236	42	to	to	ADP
fsr-3412	236	43	purchasing	purchase	VERB
fsr-3412	236	44	life	life	NOUN
fsr-3412	236	45	insurance	insurance	NOUN
fsr-3412	236	46	.	.	PUNCT
fsr-3412	237	1	for	for	ADP
fsr-3412	237	2	clients	client	NOUN
fsr-3412	237	3	with	with	ADP
fsr-3412	237	4	more	more	ADV
fsr-3412	237	5	complicated	complicated	ADJ
fsr-3412	237	6	financial	financial	ADJ
fsr-3412	237	7	needs	need	NOUN
fsr-3412	237	8	where	where	SCONJ
fsr-3412	237	9	cashvalue	cashvalue	NOUN
fsr-3412	237	10	life	life	NOUN
fsr-3412	237	11	insurance	insurance	NOUN
fsr-3412	237	12	is	be	AUX
fsr-3412	237	13	appropriate	appropriate	ADJ
fsr-3412	237	14	,	,	PUNCT
fsr-3412	237	15	it	it	PRON
fsr-3412	237	16	may	may	AUX
fsr-3412	237	17	be	be	AUX
fsr-3412	237	18	a	a	DET
fsr-3412	237	19	product	product	NOUN
fsr-3412	237	20	that	that	PRON
fsr-3412	237	21	is	be	AUX
fsr-3412	237	22	brought	bring	VERB
fsr-3412	237	23	up	up	ADP
fsr-3412	237	24	later	later	ADV
fsr-3412	237	25	,	,	PUNCT
fsr-3412	237	26	rather	rather	ADV
fsr-3412	237	27	earlier	early	ADV
fsr-3412	237	28	,	,	PUNCT
fsr-3412	237	29	in	in	ADP
fsr-3412	237	30	the	the	DET
fsr-3412	237	31	financial	financial	ADJ
fsr-3412	237	32	plan	plan	NOUN
fsr-3412	237	33	.	.	PUNCT
fsr-3412	238	1	if	if	SCONJ
fsr-3412	238	2	the	the	DET
fsr-3412	238	3	ownership	ownership	NOUN
fsr-3412	238	4	rates	rate	NOUN
fsr-3412	238	5	continue	continue	VERB
fsr-3412	238	6	to	to	PART
fsr-3412	238	7	decline	decline	VERB
fsr-3412	238	8	,	,	PUNCT
fsr-3412	238	9	more	more	ADJ
fsr-3412	238	10	and	and	CCONJ
fsr-3412	238	11	more	more	ADJ
fsr-3412	238	12	families	family	NOUN
fsr-3412	238	13	will	will	AUX
fsr-3412	238	14	face	face	VERB
fsr-3412	238	15	financial	financial	ADJ
fsr-3412	238	16	hardship	hardship	NOUN
fsr-3412	238	17	and	and	CCONJ
fsr-3412	238	18	economic	economic	ADJ
fsr-3412	238	19	distress	distress	NOUN
fsr-3412	238	20	if	if	SCONJ
fsr-3412	238	21	a	a	DET
fsr-3412	238	22	spouse	spouse	NOUN
fsr-3412	238	23	or	or	CCONJ
fsr-3412	238	24	partner	partner	NOUN
fsr-3412	238	25	dies	die	VERB
fsr-3412	238	26	prematurely	prematurely	ADV
fsr-3412	238	27	.	.	PUNCT
fsr-3412	239	1	in	in	ADP
fsr-3412	239	2	terms	term	NOUN
fsr-3412	239	3	of	of	ADP
fsr-3412	239	4	the	the	DET
fsr-3412	239	5	potential	potential	ADJ
fsr-3412	239	6	benefits	benefit	NOUN
fsr-3412	239	7	of	of	ADP
fsr-3412	239	8	financial	financial	ADJ
fsr-3412	239	9	planning	planning	NOUN
fsr-3412	239	10	advice	advice	NOUN
fsr-3412	239	11	based	base	VERB
fsr-3412	239	12	on	on	ADP
fsr-3412	239	13	normative	normative	ADJ
fsr-3412	239	14	economic	economic	ADJ
fsr-3412	239	15	models	model	NOUN
fsr-3412	239	16	,	,	PUNCT
fsr-3412	239	17	risk	risk	NOUN
fsr-3412	239	18	management	management	NOUN
fsr-3412	239	19	is	be	AUX
fsr-3412	239	20	an	an	DET
fsr-3412	239	21	important	important	ADJ
fsr-3412	239	22	component	component	NOUN
fsr-3412	239	23	of	of	ADP
fsr-3412	239	24	the	the	DET
fsr-3412	239	25	value	value	NOUN
fsr-3412	239	26	of	of	ADP
fsr-3412	239	27	advice	advice	NOUN
fsr-3412	239	28	(	(	PUNCT
fsr-3412	239	29	hanna	hanna	NOUN
fsr-3412	239	30	and	and	CCONJ
fsr-3412	239	31	lindamood	lindamood	NOUN
fsr-3412	239	32	,	,	PUNCT
fsr-3412	239	33	2010	2010	NUM
fsr-3412	239	34	)	)	PUNCT
fsr-3412	239	35	,	,	PUNCT
fsr-3412	239	36	and	and	CCONJ
fsr-3412	239	37	for	for	ADP
fsr-3412	239	38	many	many	ADJ
fsr-3412	239	39	families	family	NOUN
fsr-3412	239	40	,	,	PUNCT
fsr-3412	239	41	life	life	NOUN
fsr-3412	239	42	insurance	insurance	NOUN
fsr-3412	239	43	still	still	ADV
fsr-3412	239	44	should	should	AUX
fsr-3412	239	45	be	be	AUX
fsr-3412	239	46	a	a	DET
fsr-3412	239	47	salient	salient	ADJ
fsr-3412	239	48	component	component	NOUN
fsr-3412	239	49	of	of	ADP
fsr-3412	239	50	a	a	DET
fsr-3412	239	51	financial	financial	ADJ
fsr-3412	239	52	plan	plan	NOUN
fsr-3412	239	53	.	.	PUNCT
fsr-3412	240	1	this	this	PRON
fsr-3412	240	2	is	be	AUX
fsr-3412	240	3	surprising	surprising	ADJ
fsr-3412	240	4	as	as	SCONJ
fsr-3412	240	5	there	there	PRON
fsr-3412	240	6	are	be	VERB
fsr-3412	240	7	several	several	ADJ
fsr-3412	240	8	studies	study	NOUN
fsr-3412	240	9	have	have	AUX
fsr-3412	240	10	found	find	VERB
fsr-3412	240	11	that	that	SCONJ
fsr-3412	240	12	a	a	DET
fsr-3412	240	13	substantial	substantial	ADJ
fsr-3412	240	14	proportion	proportion	NOUN
fsr-3412	240	15	of	of	ADP
fsr-3412	240	16	households	household	NOUN
fsr-3412	240	17	still	still	ADV
fsr-3412	240	18	remain	remain	VERB
fsr-3412	240	19	underinsured	underinsured	ADJ
fsr-3412	240	20	.	.	PUNCT
fsr-3412	241	1	financial	financial	ADJ
fsr-3412	241	2	planners	planner	NOUN
fsr-3412	241	3	and	and	CCONJ
fsr-3412	241	4	educators	educator	NOUN
fsr-3412	241	5	can	can	AUX
fsr-3412	241	6	better	well	ADV
fsr-3412	241	7	inform	inform	VERB
fsr-3412	241	8	their	their	PRON
fsr-3412	241	9	clients	client	NOUN
fsr-3412	241	10	and	and	CCONJ
fsr-3412	241	11	the	the	DET
fsr-3412	241	12	population	population	NOUN
fsr-3412	241	13	as	as	ADP
fsr-3412	241	14	to	to	ADP
fsr-3412	241	15	the	the	DET
fsr-3412	241	16	merits	merit	NOUN
fsr-3412	241	17	of	of	ADP
fsr-3412	241	18	life	life	NOUN
fsr-3412	241	19	insurance	insurance	NOUN
fsr-3412	241	20	.	.	PUNCT
fsr-3412	242	1	additionally	additionally	ADV
fsr-3412	242	2	,	,	PUNCT
fsr-3412	242	3	alternative	alternative	ADJ
fsr-3412	242	4	products	product	NOUN
fsr-3412	242	5	,	,	PUNCT
fsr-3412	242	6	adjustments	adjustment	NOUN
fsr-3412	242	7	to	to	ADP
fsr-3412	242	8	the	the	DET
fsr-3412	242	9	current	current	ADJ
fsr-3412	242	10	life	life	NOUN
fsr-3412	242	11	insurance	insurance	NOUN
fsr-3412	242	12	products	product	NOUN
fsr-3412	242	13	,	,	PUNCT
fsr-3412	242	14	or	or	CCONJ
fsr-3412	242	15	additional	additional	ADJ
fsr-3412	242	16	saving	saving	NOUN
fsr-3412	242	17	will	will	AUX
fsr-3412	242	18	need	need	VERB
fsr-3412	242	19	to	to	PART
fsr-3412	242	20	fill	fill	VERB
fsr-3412	242	21	the	the	DET
fsr-3412	242	22	void	void	NOUN
fsr-3412	242	23	of	of	ADP
fsr-3412	242	24	the	the	DET
fsr-3412	242	25	disappearing	disappear	VERB
fsr-3412	242	26	life	life	NOUN
fsr-3412	242	27	insurance	insurance	NOUN
fsr-3412	242	28	.	.	PUNCT
fsr-3412	243	1	given	give	VERB
fsr-3412	243	2	our	our	PRON
fsr-3412	243	3	conclusion	conclusion	NOUN
fsr-3412	243	4	that	that	SCONJ
fsr-3412	243	5	the	the	DET
fsr-3412	243	6	decreases	decrease	NOUN
fsr-3412	243	7	in	in	ADP
fsr-3412	243	8	ownership	ownership	NOUN
fsr-3412	243	9	of	of	ADP
fsr-3412	243	10	any	any	DET
fsr-3412	243	11	life	life	NOUN
fsr-3412	243	12	insurance	insurance	NOUN
fsr-3412	243	13	and	and	CCONJ
fsr-3412	243	14	in	in	ADP
fsr-3412	243	15	ownership	ownership	NOUN
fsr-3412	243	16	of	of	ADP
fsr-3412	243	17	cash	cash	NOUN
fsr-3412	243	18	value	value	NOUN
fsr-3412	243	19	life	life	NOUN
fsr-3412	243	20	insurance	insurance	NOUN
fsr-3412	243	21	were	be	AUX
fsr-3412	243	22	not	not	PART
fsr-3412	243	23	because	because	SCONJ
fsr-3412	243	24	of	of	ADP
fsr-3412	243	25	changes	change	NOUN
fsr-3412	243	26	in	in	ADP
fsr-3412	243	27	household	household	NOUN
fsr-3412	243	28	characteristics	characteristic	NOUN
fsr-3412	243	29	between	between	ADP
fsr-3412	243	30	1992	1992	NUM
fsr-3412	243	31	and	and	CCONJ
fsr-3412	243	32	2016	2016	NUM
fsr-3412	243	33	,	,	PUNCT
fsr-3412	243	34	it	it	PRON
fsr-3412	243	35	is	be	AUX
fsr-3412	243	36	plausible	plausible	ADJ
fsr-3412	243	37	that	that	SCONJ
fsr-3412	243	38	future	future	ADJ
fsr-3412	243	39	changes	change	NOUN
fsr-3412	243	40	in	in	ADP
fsr-3412	243	41	federal	federal	ADJ
fsr-3412	243	42	income	income	NOUN
fsr-3412	243	43	tax	tax	NOUN
fsr-3412	243	44	and	and	CCONJ
fsr-3412	243	45	estate	estate	NOUN
fsr-3412	243	46	tax	tax	NOUN
fsr-3412	243	47	policies	policy	NOUN
fsr-3412	243	48	could	could	AUX
fsr-3412	243	49	lead	lead	VERB
fsr-3412	243	50	to	to	ADP
fsr-3412	243	51	future	future	ADJ
fsr-3412	243	52	increases	increase	NOUN
fsr-3412	243	53	in	in	ADP
fsr-3412	243	54	life	life	NOUN
fsr-3412	243	55	insurance	insurance	NOUN
fsr-3412	243	56	ownership	ownership	NOUN
fsr-3412	243	57	.	.	PUNCT
fsr-3412	244	1	for	for	ADP
fsr-3412	244	2	instance	instance	NOUN
fsr-3412	244	3	,	,	PUNCT
fsr-3412	244	4	if	if	SCONJ
fsr-3412	244	5	a	a	DET
fsr-3412	244	6	proposal	proposal	NOUN
fsr-3412	244	7	by	by	ADP
fsr-3412	244	8	senator	senator	PROPN
fsr-3412	244	9	bernie	bernie	PROPN
fsr-3412	244	10	sanders	sanders	PROPN
fsr-3412	244	11	to	to	PART
fsr-3412	244	12	decrease	decrease	VERB
fsr-3412	244	13	the	the	DET
fsr-3412	244	14	estate	estate	NOUN
fsr-3412	244	15	tax	tax	NOUN
fsr-3412	244	16	exemption	exemption	NOUN
fsr-3412	244	17	from	from	ADP
fsr-3412	244	18	$	$	SYM
fsr-3412	244	19	11.4	11.4	NUM
fsr-3412	244	20	million	million	NUM
fsr-3412	244	21	in	in	ADP
fsr-3412	244	22	2019	2019	NUM
fsr-3412	244	23	to	to	PART
fsr-3412	244	24	$	$	SYM
fsr-3412	244	25	3.5	3.5	NUM
fsr-3412	244	26	million	million	NUM
fsr-3412	244	27	(	(	PUNCT
fsr-3412	244	28	2009	2009	NUM
fsr-3412	244	29	level	level	NOUN
fsr-3412	244	30	)	)	PUNCT
fsr-3412	244	31	were	be	AUX
fsr-3412	244	32	to	to	PART
fsr-3412	244	33	be	be	AUX
fsr-3412	244	34	implemented	implement	VERB
fsr-3412	244	35	,	,	PUNCT
fsr-3412	244	36	many	many	ADJ
fsr-3412	244	37	wealthy	wealthy	ADJ
fsr-3412	244	38	households	household	NOUN
fsr-3412	244	39	would	would	AUX
fsr-3412	244	40	likely	likely	ADV
fsr-3412	244	41	make	make	VERB
fsr-3412	244	42	substantial	substantial	ADJ
fsr-3412	244	43	changes	change	NOUN
fsr-3412	244	44	in	in	ADP
fsr-3412	244	45	their	their	PRON
fsr-3412	244	46	estate	estate	NOUN
fsr-3412	244	47	planning	planning	NOUN
fsr-3412	244	48	(	(	PUNCT
fsr-3412	244	49	shenkman	shenkman	ADJ
fsr-3412	244	50	,	,	PUNCT
fsr-3412	244	51	2019	2019	NUM
fsr-3412	244	52	)	)	PUNCT
fsr-3412	244	53	,	,	PUNCT
fsr-3412	244	54	and	and	CCONJ
fsr-3412	244	55	cash	cash	NOUN
fsr-3412	244	56	value	value	NOUN
fsr-3412	244	57	life	life	NOUN
fsr-3412	244	58	insurance	insurance	NOUN
fsr-3412	244	59	might	might	AUX
fsr-3412	244	60	provide	provide	VERB
fsr-3412	244	61	one	one	NUM
fsr-3412	244	62	type	type	NOUN
fsr-3412	244	63	of	of	ADP
fsr-3412	244	64	strategy	strategy	NOUN
fsr-3412	244	65	.	.	PUNCT
fsr-3412	245	1	further	far	ADV
fsr-3412	245	2	,	,	PUNCT
fsr-3412	245	3	proposed	propose	VERB
fsr-3412	245	4	increases	increase	NOUN
fsr-3412	245	5	in	in	ADP
fsr-3412	245	6	federal	federal	ADJ
fsr-3412	245	7	income	income	NOUN
fsr-3412	245	8	tax	tax	NOUN
fsr-3412	245	9	rates	rate	NOUN
fsr-3412	245	10	might	might	AUX
fsr-3412	245	11	also	also	ADV
fsr-3412	245	12	make	make	VERB
fsr-3412	245	13	cash	cash	NOUN
fsr-3412	245	14	value	value	NOUN
fsr-3412	245	15	life	life	NOUN
fsr-3412	245	16	insurance	insurance	NOUN
fsr-3412	245	17	more	more	ADV
fsr-3412	245	18	attractive	attractive	ADJ
fsr-3412	245	19	.	.	PUNCT
fsr-3412	246	1	even	even	ADV
fsr-3412	246	2	if	if	SCONJ
fsr-3412	246	3	no	no	DET
fsr-3412	246	4	near	near	ADJ
fsr-3412	246	5	-	-	PUNCT
fsr-3412	246	6	term	term	NOUN
fsr-3412	246	7	tax	tax	NOUN
fsr-3412	246	8	legislation	legislation	NOUN
fsr-3412	246	9	is	be	AUX
fsr-3412	246	10	passed	pass	VERB
fsr-3412	246	11	,	,	PUNCT
fsr-3412	246	12	most	most	ADJ
fsr-3412	246	13	individual	individual	ADJ
fsr-3412	246	14	income	income	NOUN
fsr-3412	246	15	tax	tax	NOUN
fsr-3412	246	16	changes	change	NOUN
fsr-3412	246	17	in	in	ADP
fsr-3412	246	18	the	the	DET
fsr-3412	246	19	tax	tax	NOUN
fsr-3412	246	20	cuts	cut	NOUN
fsr-3412	246	21	and	and	CCONJ
fsr-3412	246	22	jobs	job	NOUN
fsr-3412	246	23	act	act	NOUN
fsr-3412	246	24	of	of	ADP
fsr-3412	246	25	2017	2017	NUM
fsr-3412	246	26	are	be	AUX
fsr-3412	246	27	set	set	VERB
fsr-3412	246	28	to	to	PART
fsr-3412	246	29	sunset	sunset	VERB
fsr-3412	246	30	january	january	PROPN
fsr-3412	246	31	1	1	NUM
fsr-3412	246	32	,	,	PUNCT
fsr-3412	246	33	2026	2026	NUM
fsr-3412	246	34	.	.	PUNCT
fsr-3412	247	1	the	the	DET
fsr-3412	247	2	increases	increase	NOUN
fsr-3412	247	3	in	in	ADP
fsr-3412	247	4	income	income	NOUN
fsr-3412	247	5	tax	tax	NOUN
fsr-3412	247	6	rates	rate	NOUN
fsr-3412	247	7	might	might	AUX
fsr-3412	247	8	nudge	nudge	VERB
fsr-3412	247	9	households	household	NOUN
fsr-3412	247	10	to	to	PART
fsr-3412	247	11	reconsider	reconsider	VERB
fsr-3412	247	12	cash	cash	NOUN
fsr-3412	247	13	-	-	PUNCT
fsr-3412	247	14	value	value	NOUN
fsr-3412	247	15	life	life	NOUN
fsr-3412	247	16	insurance	insurance	NOUN
fsr-3412	247	17	policies	policy	NOUN
fsr-3412	247	18	.	.	PUNCT
fsr-3412	248	1	14	14	NUM
fsr-3412	248	2	k.	k.	NOUN
fsr-3412	248	3	tae	tae	PROPN
fsr-3412	249	1	kim	kim	PROPN
fsr-3412	249	2	et	et	PROPN
fsr-3412	249	3	al	al	PROPN
fsr-3412	249	4	.	.	PUNCT
fsr-3412	249	5	/	/	SYM
fsr-3412	249	6	financial	financial	ADJ
fsr-3412	249	7	services	service	NOUN
fsr-3412	249	8	review	review	VERB
fsr-3412	249	9	28	28	NUM
fsr-3412	249	10	(	(	PUNCT
fsr-3412	249	11	2020	2020	NUM
fsr-3412	249	12	)	)	PUNCT
fsr-3412	249	13	1	1	NUM
fsr-3412	249	14	-	-	SYM
fsr-3412	249	15	16	16	NUM
fsr-3412	249	16	references	reference	NOUN
fsr-3412	249	17	auerbach	auerbach	VERB
fsr-3412	249	18	,	,	PUNCT
fsr-3412	249	19	a.	a.	PROPN
fsr-3412	249	20	j.	j.	PROPN
fsr-3412	249	21	,	,	PUNCT
fsr-3412	249	22	&	&	CCONJ
fsr-3412	249	23	kotlikoff	kotlikoff	PROPN
fsr-3412	249	24	,	,	PUNCT
fsr-3412	249	25	l.	l.	PROPN
fsr-3412	249	26	(	(	PUNCT
fsr-3412	249	27	1991	1991	NUM
fsr-3412	249	28	)	)	PUNCT
fsr-3412	249	29	.	.	PUNCT
fsr-3412	250	1	life	life	NOUN
fsr-3412	250	2	insurance	insurance	NOUN
fsr-3412	250	3	inadequacy	inadequacy	NOUN
fsr-3412	250	4	-	-	PUNCT
fsr-3412	250	5	evidence	evidence	NOUN
fsr-3412	250	6	from	from	ADP
fsr-3412	250	7	a	a	DET
fsr-3412	250	8	sample	sample	NOUN
fsr-3412	250	9	of	of	ADP
fsr-3412	250	10	older	old	ADJ
fsr-3412	250	11	widows	widow	NOUN
fsr-3412	250	12	(	(	PUNCT
fsr-3412	250	13	nber	nber	PROPN
fsr-3412	250	14	working	working	NOUN
fsr-3412	250	15	papers	paper	NOUN
fsr-3412	250	16	3765	3765	NUM
fsr-3412	250	17	)	)	PUNCT
fsr-3412	250	18	.	.	PUNCT
fsr-3412	251	1	national	national	PROPN
fsr-3412	251	2	bureau	bureau	PROPN
fsr-3412	251	3	of	of	ADP
fsr-3412	251	4	economic	economic	ADJ
fsr-3412	251	5	research	research	NOUN
fsr-3412	251	6	.	.	PUNCT
fsr-3412	252	1	baek	baek	NOUN
fsr-3412	252	2	,	,	PUNCT
fsr-3412	252	3	e.	e.	PROPN
fsr-3412	252	4	,	,	PUNCT
fsr-3412	252	5	&	&	CCONJ
fsr-3412	252	6	devaney	devaney	PROPN
fsr-3412	252	7	,	,	PUNCT
fsr-3412	252	8	s.	s.	PROPN
fsr-3412	252	9	a.	a.	PROPN
fsr-3412	252	10	(	(	PUNCT
fsr-3412	252	11	2005	2005	NUM
fsr-3412	252	12	)	)	PUNCT
fsr-3412	252	13	.	.	PUNCT
fsr-3412	253	1	human	human	ADJ
fsr-3412	253	2	capital	capital	NOUN
fsr-3412	253	3	,	,	PUNCT
fsr-3412	253	4	bequest	bequest	NOUN
fsr-3412	253	5	motives	motive	NOUN
fsr-3412	253	6	,	,	PUNCT
fsr-3412	253	7	risk	risk	NOUN
fsr-3412	253	8	,	,	PUNCT
fsr-3412	253	9	and	and	CCONJ
fsr-3412	253	10	the	the	DET
fsr-3412	253	11	purchase	purchase	NOUN
fsr-3412	253	12	of	of	ADP
fsr-3412	253	13	life	life	NOUN
fsr-3412	253	14	insurance	insurance	NOUN
fsr-3412	253	15	.	.	PUNCT
fsr-3412	254	1	journal	journal	NOUN
fsr-3412	254	2	of	of	ADP
fsr-3412	254	3	personal	personal	ADJ
fsr-3412	254	4	finance	finance	NOUN
fsr-3412	254	5	,	,	PUNCT
fsr-3412	254	6	4	4	NUM
fsr-3412	254	7	,	,	PUNCT
fsr-3412	254	8	62–84	62–84	NUM
fsr-3412	254	9	.	.	PUNCT
fsr-3412	255	1	bernheim	bernheim	PROPN
fsr-3412	255	2	,	,	PUNCT
fsr-3412	255	3	b.	b.	PROPN
fsr-3412	255	4	d.	d.	PROPN
fsr-3412	255	5	,	,	PUNCT
fsr-3412	255	6	carman	carman	PROPN
fsr-3412	255	7	,	,	PUNCT
fsr-3412	255	8	k.	k.	PROPN
fsr-3412	255	9	g.	g.	PROPN
fsr-3412	255	10	,	,	PUNCT
fsr-3412	255	11	gokhale	gokhale	PROPN
fsr-3412	255	12	,	,	PUNCT
fsr-3412	255	13	j.	j.	PROPN
fsr-3412	255	14	,	,	PUNCT
fsr-3412	255	15	&	&	CCONJ
fsr-3412	255	16	kotlikoff	kotlikoff	PROPN
fsr-3412	255	17	,	,	PUNCT
fsr-3412	255	18	l.	l.	PROPN
fsr-3412	255	19	j.	j.	PROPN
fsr-3412	255	20	(	(	PUNCT
fsr-3412	255	21	2003	2003	NUM
fsr-3412	255	22	)	)	PUNCT
fsr-3412	255	23	.	.	PUNCT
fsr-3412	256	1	are	be	AUX
fsr-3412	256	2	life	life	NOUN
fsr-3412	256	3	insurance	insurance	NOUN
fsr-3412	256	4	holdings	holding	NOUN
fsr-3412	256	5	related	relate	VERB
fsr-3412	256	6	to	to	ADP
fsr-3412	256	7	financial	financial	ADJ
fsr-3412	256	8	vulnerabilities	vulnerability	NOUN
fsr-3412	256	9	?	?	PUNCT
fsr-3412	257	1	economic	economic	ADJ
fsr-3412	257	2	inquiry	inquiry	NOUN
fsr-3412	257	3	,	,	PUNCT
fsr-3412	257	4	41	41	NUM
fsr-3412	257	5	,	,	PUNCT
fsr-3412	257	6	531–554	531–554	NUM
fsr-3412	257	7	.	.	PUNCT
fsr-3412	258	1	bernheim	bernheim	PROPN
fsr-3412	258	2	,	,	PUNCT
fsr-3412	258	3	b.	b.	PROPN
fsr-3412	258	4	d.	d.	PROPN
fsr-3412	258	5	,	,	PUNCT
fsr-3412	258	6	forni	forni	PROPN
fsr-3412	258	7	,	,	PUNCT
fsr-3412	258	8	l.	l.	PROPN
fsr-3412	258	9	,	,	PUNCT
fsr-3412	258	10	gokhale	gokhale	PROPN
fsr-3412	258	11	,	,	PUNCT
fsr-3412	258	12	j.	j.	PROPN
fsr-3412	258	13	,	,	PUNCT
fsr-3412	258	14	&	&	CCONJ
fsr-3412	258	15	kotlikoff	kotlikoff	PROPN
fsr-3412	258	16	,	,	PUNCT
fsr-3412	258	17	l.	l.	PROPN
fsr-3412	258	18	j.	j.	PROPN
fsr-3412	258	19	(	(	PUNCT
fsr-3412	258	20	2003	2003	NUM
fsr-3412	258	21	)	)	PUNCT
fsr-3412	258	22	.	.	PUNCT
fsr-3412	259	1	the	the	DET
fsr-3412	259	2	mismatch	mismatch	NOUN
fsr-3412	259	3	between	between	ADP
fsr-3412	259	4	life	life	NOUN
fsr-3412	259	5	insurance	insurance	NOUN
fsr-3412	259	6	holdings	holding	NOUN
fsr-3412	259	7	and	and	CCONJ
fsr-3412	259	8	financial	financial	ADJ
fsr-3412	259	9	vulnerabilities	vulnerability	NOUN
fsr-3412	259	10	:	:	PUNCT
fsr-3412	259	11	evidence	evidence	NOUN
fsr-3412	259	12	from	from	ADP
fsr-3412	259	13	the	the	DET
fsr-3412	259	14	health	health	NOUN
fsr-3412	259	15	and	and	CCONJ
fsr-3412	259	16	retirement	retirement	NOUN
fsr-3412	259	17	study	study	NOUN
fsr-3412	259	18	.	.	PUNCT
fsr-3412	260	1	american	american	PROPN
fsr-3412	260	2	economic	economic	PROPN
fsr-3412	260	3	review	review	PROPN
fsr-3412	260	4	,	,	PUNCT
fsr-3412	260	5	93	93	NUM
fsr-3412	260	6	,	,	PUNCT
fsr-3412	260	7	354–365	354–365	NUM
fsr-3412	260	8	.	.	PUNCT
fsr-3412	260	9	board	board	NOUN
fsr-3412	260	10	of	of	ADP
fsr-3412	260	11	governors	governor	NOUN
fsr-3412	260	12	of	of	ADP
fsr-3412	260	13	the	the	DET
fsr-3412	260	14	federal	federal	PROPN
fsr-3412	260	15	reserve	reserve	PROPN
fsr-3412	260	16	system	system	NOUN
fsr-3412	260	17	.	.	PUNCT
fsr-3412	261	1	(	(	PUNCT
fsr-3412	261	2	2014	2014	NUM
fsr-3412	261	3	)	)	PUNCT
fsr-3412	261	4	.	.	PUNCT
fsr-3412	262	1	codebook	codebook	NOUN
fsr-3412	262	2	for	for	ADP
fsr-3412	262	3	the	the	DET
fsr-3412	262	4	2013	2013	NUM
fsr-3412	262	5	survey	survey	NOUN
fsr-3412	262	6	of	of	ADP
fsr-3412	262	7	consumer	consumer	NOUN
fsr-3412	262	8	finances	finance	NOUN
fsr-3412	262	9	.	.	PUNCT
fsr-3412	263	1	(	(	PUNCT
fsr-3412	263	2	available	available	ADJ
fsr-3412	263	3	at	at	ADP
fsr-3412	263	4	http://www.federalreserve.gov/econresdata/scf/files/codebk2013.txt	http://www.federalreserve.gov/econresdata/scf/files/codebk2013.txt	NOUN
fsr-3412	263	5	)	)	PUNCT
fsr-3412	263	6	board	board	NOUN
fsr-3412	263	7	of	of	ADP
fsr-3412	263	8	governors	governor	NOUN
fsr-3412	263	9	of	of	ADP
fsr-3412	263	10	the	the	DET
fsr-3412	263	11	federal	federal	PROPN
fsr-3412	263	12	reserve	reserve	PROPN
fsr-3412	263	13	system	system	NOUN
fsr-3412	263	14	.	.	PUNCT
fsr-3412	264	1	(	(	PUNCT
fsr-3412	264	2	2017	2017	NUM
fsr-3412	264	3	)	)	PUNCT
fsr-3412	264	4	.	.	PUNCT
fsr-3412	265	1	codebook	codebook	NOUN
fsr-3412	265	2	for	for	ADP
fsr-3412	265	3	the	the	DET
fsr-3412	265	4	2016	2016	NUM
fsr-3412	265	5	survey	survey	NOUN
fsr-3412	265	6	of	of	ADP
fsr-3412	265	7	consumer	consumer	NOUN
fsr-3412	265	8	finances	finance	NOUN
fsr-3412	265	9	.	.	PUNCT
fsr-3412	266	1	(	(	PUNCT
fsr-3412	266	2	available	available	ADJ
fsr-3412	266	3	at	at	ADP
fsr-3412	266	4	https://www.federalreserve.gov/econres/files/codebk2016.txt	https://www.federalreserve.gov/econres/files/codebk2016.txt	PROPN
fsr-3412	266	5	)	)	PUNCT
fsr-3412	266	6	brandon	brandon	PROPN
fsr-3412	266	7	,	,	PUNCT
fsr-3412	266	8	jr	jr	PROPN
fsr-3412	266	9	.	.	PROPN
fsr-3412	266	10	,	,	PUNCT
fsr-3412	266	11	e.	e.	PROPN
fsr-3412	266	12	d.	d.	PROPN
fsr-3412	266	13	,	,	PUNCT
fsr-3412	266	14	&	&	CCONJ
fsr-3412	266	15	welch	welch	PROPN
fsr-3412	266	16	,	,	PUNCT
fsr-3412	266	17	h.	h.	PROPN
fsr-3412	266	18	o.	o.	PROPN
fsr-3412	266	19	(	(	PUNCT
fsr-3412	266	20	2009	2009	NUM
fsr-3412	266	21	)	)	PUNCT
fsr-3412	266	22	.	.	PUNCT
fsr-3412	267	1	the	the	DET
fsr-3412	267	2	history	history	NOUN
fsr-3412	267	3	of	of	ADP
fsr-3412	267	4	financial	financial	ADJ
fsr-3412	267	5	planning	planning	NOUN
fsr-3412	267	6	:	:	PUNCT
fsr-3412	267	7	the	the	DET
fsr-3412	267	8	transformation	transformation	NOUN
fsr-3412	267	9	of	of	ADP
fsr-3412	267	10	financial	financial	ADJ
fsr-3412	267	11	services	service	NOUN
fsr-3412	267	12	.	.	PUNCT
fsr-3412	268	1	hoboken	hoboken	PROPN
fsr-3412	268	2	,	,	PUNCT
fsr-3412	268	3	nj	nj	PROPN
fsr-3412	268	4	:	:	PUNCT
fsr-3412	268	5	john	john	PROPN
fsr-3412	268	6	wiley	wiley	PROPN
fsr-3412	268	7	&	&	CCONJ
fsr-3412	268	8	sons	son	NOUN
fsr-3412	268	9	.	.	PUNCT
fsr-3412	269	1	certified	certify	VERB
fsr-3412	269	2	financial	financial	ADJ
fsr-3412	269	3	planner	planner	NOUN
fsr-3412	269	4	board	board	NOUN
fsr-3412	269	5	.	.	PUNCT
fsr-3412	270	1	(	(	PUNCT
fsr-3412	270	2	2015	2015	NUM
fsr-3412	270	3	)	)	PUNCT
fsr-3412	270	4	.	.	PUNCT
fsr-3412	271	1	2015	2015	NUM
fsr-3412	271	2	principal	principal	ADJ
fsr-3412	271	3	knowledge	knowledge	NOUN
fsr-3412	271	4	topics	topic	NOUN
fsr-3412	271	5	.	.	PUNCT
fsr-3412	272	1	(	(	PUNCT
fsr-3412	272	2	available	available	ADJ
fsr-3412	272	3	at	at	ADP
fsr-3412	272	4	https://www.cfp.net/	https://www.cfp.net/	NOUN
fsr-3412	272	5	become	become	VERB
fsr-3412	272	6	-	-	PUNCT
fsr-3412	272	7	a	a	DET
fsr-3412	272	8	-	-	PUNCT
fsr-3412	272	9	cfp	cfp	NOUN
fsr-3412	272	10	-	-	PUNCT
fsr-3412	272	11	professional/2015	professional/2015	NOUN
fsr-3412	272	12	-	-	PUNCT
fsr-3412	272	13	job	job	NOUN
fsr-3412	272	14	-	-	PUNCT
fsr-3412	272	15	task	task	NOUN
fsr-3412	272	16	-	-	PUNCT
fsr-3412	272	17	analysis/2015	analysis/2015	NOUN
fsr-3412	272	18	-	-	PUNCT
fsr-3412	272	19	principal	principal	ADJ
fsr-3412	272	20	-	-	PUNCT
fsr-3412	272	21	knowledge	knowledge	NOUN
fsr-3412	272	22	-	-	PUNCT
fsr-3412	272	23	topics	topic	NOUN
fsr-3412	272	24	)	)	PUNCT
fsr-3412	272	25	chen	chen	PROPN
fsr-3412	272	26	,	,	PUNCT
fsr-3412	272	27	p.	p.	PROPN
fsr-3412	272	28	,	,	PUNCT
fsr-3412	272	29	ibbotson	ibbotson	PROPN
fsr-3412	272	30	,	,	PUNCT
fsr-3412	272	31	r.	r.	PROPN
fsr-3412	272	32	g.	g.	PROPN
fsr-3412	272	33	,	,	PUNCT
fsr-3412	272	34	milevsky	milevsky	NOUN
fsr-3412	272	35	,	,	PUNCT
fsr-3412	272	36	m.	m.	NOUN
fsr-3412	272	37	a.	a.	PROPN
fsr-3412	272	38	,	,	PUNCT
fsr-3412	272	39	&	&	CCONJ
fsr-3412	272	40	zhu	zhu	PROPN
fsr-3412	272	41	,	,	PUNCT
fsr-3412	272	42	k.	k.	PROPN
fsr-3412	272	43	x.	x.	PROPN
fsr-3412	272	44	(	(	PUNCT
fsr-3412	272	45	2006	2006	NUM
fsr-3412	272	46	)	)	PUNCT
fsr-3412	272	47	.	.	PUNCT
fsr-3412	273	1	human	human	ADJ
fsr-3412	273	2	capital	capital	NOUN
fsr-3412	273	3	,	,	PUNCT
fsr-3412	273	4	asset	asset	NOUN
fsr-3412	273	5	allocation	allocation	NOUN
fsr-3412	273	6	,	,	PUNCT
fsr-3412	273	7	and	and	CCONJ
fsr-3412	273	8	life	life	NOUN
fsr-3412	273	9	insurance	insurance	NOUN
fsr-3412	273	10	.	.	PUNCT
fsr-3412	274	1	financial	financial	ADJ
fsr-3412	274	2	analysts	analyst	NOUN
fsr-3412	274	3	journal	journal	NOUN
fsr-3412	274	4	,	,	PUNCT
fsr-3412	274	5	62	62	NUM
fsr-3412	274	6	,	,	PUNCT
fsr-3412	274	7	97–109	97–109	NUM
fsr-3412	274	8	.	.	PUNCT
fsr-3412	275	1	cordell	cordell	PROPN
fsr-3412	275	2	,	,	PUNCT
fsr-3412	275	3	d.	d.	PROPN
fsr-3412	275	4	m.	m.	PROPN
fsr-3412	275	5	,	,	PUNCT
fsr-3412	275	6	finke	finke	PROPN
fsr-3412	275	7	,	,	PUNCT
fsr-3412	275	8	m.	m.	NOUN
fsr-3412	275	9	,	,	PUNCT
fsr-3412	275	10	&	&	CCONJ
fsr-3412	275	11	lemoine	lemoine	PROPN
fsr-3412	275	12	,	,	PUNCT
fsr-3412	275	13	c.	c.	PROPN
fsr-3412	275	14	(	(	PUNCT
fsr-3412	275	15	2007	2007	NUM
fsr-3412	275	16	)	)	PUNCT
fsr-3412	275	17	.	.	PUNCT
fsr-3412	276	1	the	the	DET
fsr-3412	276	2	death	death	NOUN
fsr-3412	276	3	of	of	ADP
fsr-3412	276	4	life	life	NOUN
fsr-3412	276	5	?	?	PUNCT
fsr-3412	277	1	the	the	DET
fsr-3412	277	2	demand	demand	NOUN
fsr-3412	277	3	for	for	ADP
fsr-3412	277	4	cash	cash	NOUN
fsr-3412	277	5	-	-	PUNCT
fsr-3412	277	6	value	value	NOUN
fsr-3412	277	7	life	life	NOUN
fsr-3412	277	8	insurance	insurance	NOUN
fsr-3412	277	9	has	have	AUX
fsr-3412	277	10	slipped	slip	VERB
fsr-3412	277	11	in	in	ADP
fsr-3412	277	12	recent	recent	ADJ
fsr-3412	277	13	years	year	NOUN
fsr-3412	277	14	,	,	PUNCT
fsr-3412	277	15	say	say	VERB
fsr-3412	277	16	the	the	DET
fsr-3412	277	17	authors	author	NOUN
fsr-3412	277	18	,	,	PUNCT
fsr-3412	277	19	much	much	ADJ
fsr-3412	277	20	of	of	ADP
fsr-3412	277	21	it	it	PRON
fsr-3412	277	22	due	due	ADP
fsr-3412	277	23	to	to	ADP
fsr-3412	277	24	bad	bad	ADJ
fsr-3412	277	25	publicity	publicity	NOUN
fsr-3412	277	26	.	.	PUNCT
fsr-3412	278	1	journal	journal	NOUN
fsr-3412	278	2	of	of	ADP
fsr-3412	278	3	financial	financial	ADJ
fsr-3412	278	4	planning	planning	NOUN
fsr-3412	278	5	,	,	PUNCT
fsr-3412	278	6	20	20	NUM
fsr-3412	278	7	,	,	PUNCT
fsr-3412	278	8	42–44	42–44	NUM
fsr-3412	278	9	.	.	PUNCT
fsr-3412	279	1	durham	durham	PROPN
fsr-3412	279	2	,	,	PUNCT
fsr-3412	279	3	a.	a.	NOUN
fsr-3412	279	4	(	(	PUNCT
fsr-3412	279	5	2015	2015	NUM
fsr-3412	279	6	)	)	PUNCT
fsr-3412	279	7	.	.	PUNCT
fsr-3412	280	1	2015	2015	NUM
fsr-3412	280	2	insurance	insurance	NOUN
fsr-3412	280	3	barometer	barometer	NOUN
fsr-3412	280	4	study	study	NOUN
fsr-3412	280	5	.	.	PUNCT
fsr-3412	281	1	life	life	NOUN
fsr-3412	281	2	happens	happen	VERB
fsr-3412	281	3	.	.	PUNCT
fsr-3412	282	1	(	(	PUNCT
fsr-3412	282	2	available	available	ADJ
fsr-3412	282	3	at	at	ADP
fsr-3412	282	4	https://www.lifehappens.org/	https://www.lifehappens.org/	NOUN
fsr-3412	282	5	industry	industry	NOUN
fsr-3412	282	6	-	-	PUNCT
fsr-3412	282	7	resources/2015barometer/	resources/2015barometer/	NOUN
fsr-3412	282	8	)	)	PUNCT
fsr-3412	282	9	elmerick	elmerick	PROPN
fsr-3412	282	10	,	,	PUNCT
fsr-3412	282	11	s.	s.	PROPN
fsr-3412	282	12	a.	a.	PROPN
fsr-3412	282	13	,	,	PUNCT
fsr-3412	282	14	montalto	montalto	PROPN
fsr-3412	282	15	,	,	PUNCT
fsr-3412	282	16	c.	c.	PROPN
fsr-3412	282	17	p.	p.	PROPN
fsr-3412	282	18	,	,	PUNCT
fsr-3412	282	19	&	&	CCONJ
fsr-3412	282	20	fox	fox	PROPN
fsr-3412	282	21	,	,	PUNCT
fsr-3412	282	22	j.	j.	PROPN
fsr-3412	282	23	j.	j.	PROPN
fsr-3412	282	24	(	(	PUNCT
fsr-3412	282	25	2002	2002	NUM
fsr-3412	282	26	)	)	PUNCT
fsr-3412	282	27	.	.	PUNCT
fsr-3412	283	1	use	use	NOUN
fsr-3412	283	2	of	of	ADP
fsr-3412	283	3	financial	financial	ADJ
fsr-3412	283	4	planners	planner	NOUN
fsr-3412	283	5	by	by	ADP
fsr-3412	283	6	u.s	u.s	PROPN
fsr-3412	283	7	.	.	PROPN
fsr-3412	283	8	households	household	NOUN
fsr-3412	283	9	.	.	PUNCT
fsr-3412	284	1	financial	financial	ADJ
fsr-3412	284	2	services	service	NOUN
fsr-3412	284	3	review	review	NOUN
fsr-3412	284	4	,	,	PUNCT
fsr-3412	284	5	11	11	NUM
fsr-3412	284	6	,	,	PUNCT
fsr-3412	284	7	217–231	217–231	NUM
fsr-3412	284	8	.	.	PUNCT
fsr-3412	285	1	appendix	appendix	VERB
fsr-3412	285	2	1	1	NUM
fsr-3412	285	3	life	life	NOUN
fsr-3412	285	4	insurance	insurance	NOUN
fsr-3412	285	5	variables	variable	NOUN
fsr-3412	285	6	in	in	ADP
fsr-3412	285	7	the	the	DET
fsr-3412	285	8	scf	scf	PROPN
fsr-3412	285	9	variable	variable	ADJ
fsr-3412	285	10	description	description	NOUN
fsr-3412	285	11	x4001	x4001	X
fsr-3412	286	1	do	do	AUX
fsr-3412	286	2	you	you	PRON
fsr-3412	286	3	(	(	PUNCT
fsr-3412	286	4	or	or	CCONJ
fsr-3412	286	5	anyone	anyone	PRON
fsr-3412	286	6	in	in	ADP
fsr-3412	286	7	your	your	PRON
fsr-3412	286	8	family	family	NOUN
fsr-3412	286	9	living	live	VERB
fsr-3412	286	10	here	here	ADV
fsr-3412	286	11	)	)	PUNCT
fsr-3412	286	12	have	have	VERB
fsr-3412	286	13	any	any	DET
fsr-3412	286	14	life	life	NOUN
fsr-3412	286	15	insurance	insurance	NOUN
fsr-3412	286	16	?	?	PUNCT
fsr-3412	287	1	please	please	INTJ
fsr-3412	287	2	include	include	VERB
fsr-3412	287	3	individual	individual	ADJ
fsr-3412	287	4	and	and	CCONJ
fsr-3412	287	5	group	group	NOUN
fsr-3412	287	6	policies	policy	NOUN
fsr-3412	287	7	,	,	PUNCT
fsr-3412	287	8	but	but	CCONJ
fsr-3412	287	9	not	not	PART
fsr-3412	287	10	accident	accident	NOUN
fsr-3412	287	11	insurance	insurance	NOUN
fsr-3412	287	12	.	.	PUNCT
fsr-3412	288	1	1	1	X
fsr-3412	288	2	.	.	X
fsr-3412	289	1	*	*	PUNCT
fsr-3412	289	2	yes	yes	INTJ
fsr-3412	289	3	5	5	NUM
fsr-3412	289	4	.	.	X
fsr-3412	290	1	*	*	PUNCT
fsr-3412	290	2	no	no	DET
fsr-3412	290	3	x4002	x4002	NOUN
fsr-3412	290	4	the	the	DET
fsr-3412	290	5	two	two	NUM
fsr-3412	290	6	major	major	ADJ
fsr-3412	290	7	types	type	NOUN
fsr-3412	290	8	of	of	ADP
fsr-3412	290	9	life	life	NOUN
fsr-3412	290	10	insurance	insurance	NOUN
fsr-3412	290	11	are	be	AUX
fsr-3412	290	12	term	term	NOUN
fsr-3412	290	13	and	and	CCONJ
fsr-3412	290	14	cash	cash	NOUN
fsr-3412	290	15	-	-	PUNCT
fsr-3412	290	16	value	value	NOUN
fsr-3412	290	17	policies	policy	NOUN
fsr-3412	290	18	.	.	PUNCT
fsr-3412	291	1	term	term	NOUN
fsr-3412	291	2	policies	policy	NOUN
fsr-3412	291	3	pay	pay	VERB
fsr-3412	291	4	a	a	DET
fsr-3412	291	5	benefit	benefit	NOUN
fsr-3412	291	6	if	if	SCONJ
fsr-3412	291	7	the	the	DET
fsr-3412	291	8	insured	insured	ADJ
fsr-3412	291	9	person	person	NOUN
fsr-3412	291	10	dies	die	VERB
fsr-3412	291	11	,	,	PUNCT
fsr-3412	291	12	but	but	CCONJ
fsr-3412	291	13	otherwise	otherwise	ADV
fsr-3412	291	14	have	have	VERB
fsr-3412	291	15	no	no	DET
fsr-3412	291	16	value	value	NOUN
fsr-3412	291	17	.	.	PUNCT
fsr-3412	292	1	they	they	PRON
fsr-3412	292	2	are	be	AUX
fsr-3412	292	3	often	often	ADV
fsr-3412	292	4	provided	provide	VERB
fsr-3412	292	5	through	through	ADP
fsr-3412	292	6	an	an	DET
fsr-3412	292	7	employer	employer	NOUN
fsr-3412	292	8	or	or	CCONJ
fsr-3412	292	9	union	union	NOUN
fsr-3412	292	10	,	,	PUNCT
fsr-3412	292	11	but	but	CCONJ
fsr-3412	292	12	may	may	AUX
fsr-3412	292	13	also	also	ADV
fsr-3412	292	14	be	be	AUX
fsr-3412	292	15	bought	buy	VERB
fsr-3412	292	16	by	by	ADP
fsr-3412	292	17	individuals	individual	NOUN
fsr-3412	292	18	.	.	PUNCT
fsr-3412	293	1	cash	cash	NOUN
fsr-3412	293	2	-	-	PUNCT
fsr-3412	293	3	value	value	NOUN
fsr-3412	293	4	policies	policy	NOUN
fsr-3412	293	5	also	also	ADV
fsr-3412	293	6	pay	pay	VERB
fsr-3412	293	7	a	a	DET
fsr-3412	293	8	death	death	NOUN
fsr-3412	293	9	benefit	benefit	NOUN
fsr-3412	293	10	,	,	PUNCT
fsr-3412	293	11	but	but	CCONJ
fsr-3412	293	12	differ	differ	VERB
fsr-3412	293	13	in	in	ADP
fsr-3412	293	14	that	that	SCONJ
fsr-3412	293	15	they	they	PRON
fsr-3412	293	16	build	build	VERB
fsr-3412	293	17	up	up	ADP
fsr-3412	293	18	a	a	DET
fsr-3412	293	19	value	value	NOUN
fsr-3412	293	20	as	as	SCONJ
fsr-3412	293	21	premiums	premium	NOUN
fsr-3412	293	22	are	be	AUX
fsr-3412	293	23	paid	pay	VERB
fsr-3412	293	24	.	.	PUNCT
fsr-3412	294	1	are	be	AUX
fsr-3412	294	2	any	any	PRON
fsr-3412	294	3	of	of	ADP
fsr-3412	294	4	your	your	PRON
fsr-3412	294	5	(	(	PUNCT
fsr-3412	294	6	family	family	NOUN
fsr-3412	294	7	’s	’s	PART
fsr-3412	294	8	)	)	PUNCT
fsr-3412	294	9	policies	policy	NOUN
fsr-3412	294	10	term	term	NOUN
fsr-3412	294	11	insurance	insurance	NOUN
fsr-3412	294	12	?	?	PUNCT
fsr-3412	295	1	1	1	X
fsr-3412	295	2	.	.	X
fsr-3412	296	1	*	*	PUNCT
fsr-3412	296	2	yes	yes	INTJ
fsr-3412	296	3	5	5	NUM
fsr-3412	296	4	.	.	X
fsr-3412	297	1	*	*	PUNCT
fsr-3412	297	2	no	no	DET
fsr-3412	297	3	0	0	NOUN
fsr-3412	297	4	.	.	PUNCT
fsr-3412	298	1	inap	inap	PROPN
fsr-3412	298	2	.	.	PUNCT
fsr-3412	299	1	(	(	PUNCT
fsr-3412	299	2	no	no	DET
fsr-3412	299	3	life	life	NOUN
fsr-3412	299	4	insurance	insurance	NOUN
fsr-3412	299	5	:	:	PUNCT
fsr-3412	299	6	x4001∧	x4001∧	X
fsr-3412	299	7	�	�	PROPN
fsr-3412	299	8	1	1	NUM
fsr-3412	299	9	)	)	PUNCT
fsr-3412	299	10	x4004	x4004	NUM
fsr-3412	299	11	do	do	AUX
fsr-3412	299	12	you	you	PRON
fsr-3412	299	13	have	have	VERB
fsr-3412	299	14	any	any	DET
fsr-3412	299	15	policies	policy	NOUN
fsr-3412	299	16	that	that	PRON
fsr-3412	299	17	build	build	VERB
fsr-3412	299	18	up	up	ADP
fsr-3412	299	19	a	a	DET
fsr-3412	299	20	cash	cash	NOUN
fsr-3412	299	21	value	value	NOUN
fsr-3412	299	22	or	or	CCONJ
fsr-3412	299	23	that	that	SCONJ
fsr-3412	299	24	you	you	PRON
fsr-3412	299	25	can	can	AUX
fsr-3412	299	26	borrow	borrow	VERB
fsr-3412	299	27	on	on	ADP
fsr-3412	299	28	?	?	PUNCT
fsr-3412	300	1	these	these	PRON
fsr-3412	300	2	are	be	AUX
fsr-3412	300	3	sometimes	sometimes	ADV
fsr-3412	300	4	called	call	VERB
fsr-3412	300	5	‘	'	PUNCT
fsr-3412	300	6	whole	whole	ADJ
fsr-3412	300	7	life	life	NOUN
fsr-3412	300	8	’	'	PUNCT
fsr-3412	300	9	,	,	PUNCT
fsr-3412	300	10	“	"	PUNCT
fsr-3412	300	11	straight	straight	ADJ
fsr-3412	300	12	life	life	NOUN
fsr-3412	300	13	,	,	PUNCT
fsr-3412	300	14	”	"	PUNCT
fsr-3412	300	15	or	or	CCONJ
fsr-3412	300	16	“	"	PUNCT
fsr-3412	300	17	universal	universal	ADJ
fsr-3412	300	18	life	life	NOUN
fsr-3412	300	19	”	"	PUNCT
fsr-3412	300	20	policies	policy	NOUN
fsr-3412	300	21	.	.	PUNCT
fsr-3412	301	1	1	1	X
fsr-3412	301	2	.	.	X
fsr-3412	302	1	*	*	PUNCT
fsr-3412	302	2	yes	yes	INTJ
fsr-3412	302	3	5	5	NUM
fsr-3412	302	4	.	.	X
fsr-3412	303	1	*	*	PUNCT
fsr-3412	303	2	no	no	DET
fsr-3412	303	3	0	0	NOUN
fsr-3412	303	4	.	.	PUNCT
fsr-3412	304	1	inap	inap	PROPN
fsr-3412	304	2	.	.	PUNCT
fsr-3412	305	1	(	(	PUNCT
fsr-3412	305	2	no	no	DET
fsr-3412	305	3	life	life	NOUN
fsr-3412	305	4	insurance	insurance	NOUN
fsr-3412	305	5	:	:	PUNCT
fsr-3412	305	6	x4001∧	x4001∧	X
fsr-3412	305	7	�	�	PROPN
fsr-3412	305	8	1	1	NUM
fsr-3412	305	9	)	)	PUNCT
fsr-3412	305	10	15k	15k	NOUN
fsr-3412	305	11	.	.	PUNCT
fsr-3412	306	1	tae	tae	PROPN
fsr-3412	306	2	kim	kim	PROPN
fsr-3412	306	3	et	et	PROPN
fsr-3412	306	4	al	al	PROPN
fsr-3412	306	5	.	.	PUNCT
fsr-3412	306	6	/	/	SYM
fsr-3412	306	7	financial	financial	ADJ
fsr-3412	306	8	services	service	NOUN
fsr-3412	306	9	review	review	VERB
fsr-3412	306	10	28	28	NUM
fsr-3412	306	11	(	(	PUNCT
fsr-3412	306	12	2020	2020	NUM
fsr-3412	306	13	)	)	PUNCT
fsr-3412	306	14	1	1	NUM
fsr-3412	306	15	-	-	SYM
fsr-3412	306	16	16	16	NUM
fsr-3412	306	17	federal	federal	PROPN
fsr-3412	306	18	reserve	reserve	PROPN
fsr-3412	306	19	bank	bank	PROPN
fsr-3412	306	20	.	.	PUNCT
fsr-3412	307	1	(	(	PUNCT
fsr-3412	307	2	2016	2016	NUM
fsr-3412	307	3	)	)	PUNCT
fsr-3412	307	4	.	.	PUNCT
fsr-3412	308	1	codebook	codebook	NOUN
fsr-3412	308	2	for	for	ADP
fsr-3412	308	3	2016	2016	NUM
fsr-3412	308	4	survey	survey	NOUN
fsr-3412	308	5	of	of	ADP
fsr-3412	308	6	consumer	consumer	NOUN
fsr-3412	308	7	finances	finance	NOUN
fsr-3412	308	8	.	.	PUNCT
fsr-3412	309	1	washington	washington	PROPN
fsr-3412	309	2	,	,	PUNCT
fsr-3412	309	3	dc	dc	PROPN
fsr-3412	309	4	:	:	PUNCT
fsr-3412	309	5	federal	federal	PROPN
fsr-3412	309	6	reserve	reserve	PROPN
fsr-3412	309	7	bank	bank	PROPN
fsr-3412	309	8	.	.	PUNCT
fsr-3412	310	1	finke	finke	PROPN
fsr-3412	310	2	,	,	PUNCT
fsr-3412	310	3	m.	m.	NOUN
fsr-3412	310	4	s.	s.	PROPN
fsr-3412	310	5	,	,	PUNCT
fsr-3412	310	6	huston	huston	PROPN
fsr-3412	310	7	,	,	PUNCT
fsr-3412	310	8	s.	s.	PROPN
fsr-3412	310	9	j.	j.	PROPN
fsr-3412	310	10	,	,	PUNCT
fsr-3412	310	11	&	&	CCONJ
fsr-3412	310	12	waller	waller	PROPN
fsr-3412	310	13	,	,	PUNCT
fsr-3412	310	14	w.	w.	PROPN
fsr-3412	310	15	(	(	PUNCT
fsr-3412	310	16	2009	2009	NUM
fsr-3412	310	17	)	)	PUNCT
fsr-3412	310	18	.	.	PUNCT
fsr-3412	311	1	do	do	AUX
fsr-3412	311	2	contracts	contract	NOUN
fsr-3412	311	3	impact	impact	VERB
fsr-3412	311	4	comprehensive	comprehensive	ADJ
fsr-3412	311	5	financial	financial	ADJ
fsr-3412	311	6	advice	advice	NOUN
fsr-3412	311	7	?	?	PUNCT
fsr-3412	312	1	(	(	PUNCT
fsr-3412	312	2	available	available	ADJ
fsr-3412	312	3	at	at	ADP
fsr-3412	312	4	http://dx.doi.org/10.2139/ssrn.1429807	http://dx.doi.org/10.2139/ssrn.1429807	ADJ
fsr-3412	312	5	)	)	PUNCT
fsr-3412	312	6	frees	free	NOUN
fsr-3412	312	7	,	,	PUNCT
fsr-3412	312	8	e.	e.	PROPN
fsr-3412	312	9	w.	w.	PROPN
fsr-3412	312	10	,	,	PUNCT
fsr-3412	312	11	&	&	CCONJ
fsr-3412	312	12	sun	sun	PROPN
fsr-3412	312	13	,	,	PUNCT
fsr-3412	312	14	y.	y.	PROPN
fsr-3412	312	15	(	(	PUNCT
fsr-3412	312	16	2010	2010	NUM
fsr-3412	312	17	)	)	PUNCT
fsr-3412	312	18	.	.	PUNCT
fsr-3412	313	1	household	household	NOUN
fsr-3412	313	2	life	life	NOUN
fsr-3412	313	3	insurance	insurance	NOUN
fsr-3412	313	4	demand	demand	NOUN
fsr-3412	313	5	:	:	PUNCT
fsr-3412	313	6	a	a	DET
fsr-3412	313	7	multivariate	multivariate	NOUN
fsr-3412	313	8	two	two	NUM
fsr-3412	313	9	-	-	PUNCT
fsr-3412	313	10	part	part	NOUN
fsr-3412	313	11	model	model	NOUN
fsr-3412	313	12	.	.	PUNCT
fsr-3412	314	1	north	north	ADJ
fsr-3412	314	2	american	american	ADJ
fsr-3412	314	3	actuarial	actuarial	ADJ
fsr-3412	314	4	journal	journal	NOUN
fsr-3412	314	5	,	,	PUNCT
fsr-3412	314	6	14	14	NUM
fsr-3412	314	7	,	,	PUNCT
fsr-3412	314	8	338–354	338–354	NUM
fsr-3412	314	9	.	.	PUNCT
fsr-3412	315	1	glazer	glazer	PROPN
fsr-3412	315	2	,	,	PUNCT
fsr-3412	315	3	d.	d.	PROPN
fsr-3412	315	4	a.	a.	PROPN
fsr-3412	315	5	(	(	PUNCT
fsr-3412	315	6	2007	2007	NUM
fsr-3412	315	7	)	)	PUNCT
fsr-3412	315	8	.	.	PUNCT
fsr-3412	316	1	the	the	DET
fsr-3412	316	2	effect	effect	NOUN
fsr-3412	316	3	of	of	ADP
fsr-3412	316	4	commission	commission	NOUN
fsr-3412	316	5	versus	versus	ADP
fsr-3412	316	6	non	non	ADJ
fsr-3412	316	7	-	-	ADJ
fsr-3412	316	8	commission	commission	ADJ
fsr-3412	316	9	benefits	benefit	NOUN
fsr-3412	316	10	on	on	ADP
fsr-3412	316	11	customer	customer	NOUN
fsr-3412	316	12	value	value	NOUN
fsr-3412	316	13	:	:	PUNCT
fsr-3412	316	14	the	the	DET
fsr-3412	316	15	case	case	NOUN
fsr-3412	316	16	of	of	ADP
fsr-3412	316	17	life	life	NOUN
fsr-3412	316	18	insurance	insurance	NOUN
fsr-3412	316	19	policy	policy	NOUN
fsr-3412	316	20	performance	performance	NOUN
fsr-3412	316	21	.	.	PUNCT
fsr-3412	317	1	financial	financial	ADJ
fsr-3412	317	2	services	service	NOUN
fsr-3412	317	3	review	review	PROPN
fsr-3412	317	4	,	,	PUNCT
fsr-3412	317	5	16	16	NUM
fsr-3412	317	6	,	,	PUNCT
fsr-3412	317	7	135–153	135–153	NUM
fsr-3412	317	8	.	.	PUNCT
fsr-3412	318	1	greenwald	greenwald	PROPN
fsr-3412	318	2	,	,	PUNCT
fsr-3412	318	3	l.	l.	PROPN
fsr-3412	318	4	,	,	PUNCT
fsr-3412	318	5	&	&	CCONJ
fsr-3412	318	6	fronstin	fronstin	PROPN
fsr-3412	318	7	,	,	PUNCT
fsr-3412	318	8	p.	p.	NOUN
fsr-3412	318	9	(	(	PUNCT
fsr-3412	318	10	2019	2019	NUM
fsr-3412	318	11	)	)	PUNCT
fsr-3412	318	12	.	.	PUNCT
fsr-3412	319	1	the	the	DET
fsr-3412	319	2	state	state	NOUN
fsr-3412	319	3	of	of	ADP
fsr-3412	319	4	employee	employee	NOUN
fsr-3412	319	5	benefits	benefit	NOUN
fsr-3412	319	6	:	:	PUNCT
fsr-3412	319	7	findings	finding	NOUN
fsr-3412	319	8	from	from	ADP
fsr-3412	319	9	the	the	DET
fsr-3412	319	10	2018	2018	NUM
fsr-3412	319	11	health	health	NOUN
fsr-3412	319	12	and	and	CCONJ
fsr-3412	319	13	workplace	workplace	NOUN
fsr-3412	319	14	benefits	benefit	NOUN
fsr-3412	319	15	survey	survey	NOUN
fsr-3412	319	16	.	.	PUNCT
fsr-3412	320	1	employee	employee	NOUN
fsr-3412	320	2	benefit	benefit	PROPN
fsr-3412	320	3	research	research	PROPN
fsr-3412	320	4	institute	institute	NOUN
fsr-3412	320	5	no	no	INTJ
fsr-3412	320	6	.	.	PROPN
fsr-3412	320	7	470	470	NUM
fsr-3412	320	8	.	.	PUNCT
fsr-3412	321	1	(	(	PUNCT
fsr-3412	321	2	available	available	ADJ
fsr-3412	321	3	at	at	ADP
fsr-3412	321	4	https://www.ebri.org/	https://www.ebri.org/	ADJ
fsr-3412	321	5	docs	doc	NOUN
fsr-3412	321	6	/	/	SYM
fsr-3412	321	7	default	default	NOUN
fsr-3412	321	8	-	-	PUNCT
fsr-3412	321	9	source	source	NOUN
fsr-3412	321	10	/	/	SYM
fsr-3412	321	11	ebri	ebri	NOUN
fsr-3412	321	12	-	-	PUNCT
fsr-3412	321	13	issue	issue	NOUN
fsr-3412	321	14	-	-	PUNCT
fsr-3412	321	15	brief	brief	NOUN
fsr-3412	321	16	/	/	SYM
fsr-3412	321	17	ebri_ib_470_wbs2	ebri_ib_470_wbs2	PROPN
fsr-3412	321	18	-	-	PUNCT
fsr-3412	321	19	10jan19.pdf?sfvrsn	10jan19.pdf?sfvrsn	NUM
fsr-3412	321	20	�	�	NOUN
fsr-3412	321	21	c5db3e2f_10	c5db3e2f_10	NOUN
fsr-3412	321	22	)	)	PUNCT
fsr-3412	321	23	guillemette	guillemette	NOUN
fsr-3412	321	24	,	,	PUNCT
fsr-3412	321	25	m.	m.	NOUN
fsr-3412	321	26	,	,	PUNCT
fsr-3412	321	27	hussein	hussein	PROPN
fsr-3412	321	28	,	,	PUNCT
fsr-3412	321	29	m.	m.	NOUN
fsr-3412	321	30	,	,	PUNCT
fsr-3412	321	31	phillips	phillips	PROPN
fsr-3412	321	32	,	,	PUNCT
fsr-3412	321	33	g.	g.	PROPN
fsr-3412	321	34	m.	m.	PROPN
fsr-3412	321	35	,	,	PUNCT
fsr-3412	321	36	&	&	CCONJ
fsr-3412	321	37	martin	martin	PROPN
fsr-3412	321	38	,	,	PUNCT
fsr-3412	321	39	t.	t.	PROPN
fsr-3412	321	40	(	(	PUNCT
fsr-3412	321	41	2014	2014	NUM
fsr-3412	321	42	)	)	PUNCT
fsr-3412	321	43	.	.	PUNCT
fsr-3412	322	1	minority	minority	NOUN
fsr-3412	322	2	household	household	NOUN
fsr-3412	322	3	size	size	NOUN
fsr-3412	322	4	and	and	CCONJ
fsr-3412	322	5	the	the	DET
fsr-3412	322	6	life	life	NOUN
fsr-3412	322	7	insurance	insurance	NOUN
fsr-3412	322	8	purchase	purchase	NOUN
fsr-3412	322	9	decision	decision	NOUN
fsr-3412	322	10	.	.	PUNCT
fsr-3412	323	1	financial	financial	ADJ
fsr-3412	323	2	services	service	NOUN
fsr-3412	323	3	review	review	PROPN
fsr-3412	323	4	,	,	PUNCT
fsr-3412	323	5	24	24	NUM
fsr-3412	323	6	,	,	PUNCT
fsr-3412	323	7	37–51	37–51	NUM
fsr-3412	323	8	.	.	PUNCT
fsr-3412	323	9	gutter	gutter	NOUN
fsr-3412	323	10	,	,	PUNCT
fsr-3412	323	11	m.	m.	NOUN
fsr-3412	323	12	s.	s.	PROPN
fsr-3412	323	13	,	,	PUNCT
fsr-3412	323	14	&	&	CCONJ
fsr-3412	323	15	hatcher	hatcher	PROPN
fsr-3412	323	16	,	,	PUNCT
fsr-3412	323	17	c.	c.	PROPN
fsr-3412	323	18	b.	b.	PROPN
fsr-3412	323	19	(	(	PUNCT
fsr-3412	323	20	2008	2008	NUM
fsr-3412	323	21	)	)	PUNCT
fsr-3412	323	22	.	.	PUNCT
fsr-3412	324	1	racial	racial	ADJ
fsr-3412	324	2	differences	difference	NOUN
fsr-3412	324	3	in	in	ADP
fsr-3412	324	4	the	the	DET
fsr-3412	324	5	demand	demand	NOUN
fsr-3412	324	6	for	for	ADP
fsr-3412	324	7	life	life	NOUN
fsr-3412	324	8	insurance	insurance	NOUN
fsr-3412	324	9	.	.	PUNCT
fsr-3412	325	1	journal	journal	NOUN
fsr-3412	325	2	of	of	ADP
fsr-3412	325	3	risk	risk	NOUN
fsr-3412	325	4	and	and	CCONJ
fsr-3412	325	5	insurance	insurance	NOUN
fsr-3412	325	6	,	,	PUNCT
fsr-3412	325	7	75	75	NUM
fsr-3412	325	8	,	,	PUNCT
fsr-3412	325	9	677–689	677–689	NUM
fsr-3412	325	10	.	.	PUNCT
fsr-3412	326	1	hanna	hanna	PROPN
fsr-3412	326	2	,	,	PUNCT
fsr-3412	326	3	s.	s.	PROPN
fsr-3412	326	4	d.	d.	PROPN
fsr-3412	326	5	,	,	PUNCT
fsr-3412	326	6	&	&	CCONJ
fsr-3412	326	7	lindamood	lindamood	PROPN
fsr-3412	326	8	,	,	PUNCT
fsr-3412	326	9	s.	s.	PROPN
fsr-3412	326	10	(	(	PUNCT
fsr-3412	326	11	2010	2010	NUM
fsr-3412	326	12	)	)	PUNCT
fsr-3412	326	13	.	.	PUNCT
fsr-3412	327	1	quantifying	quantify	VERB
fsr-3412	327	2	the	the	DET
fsr-3412	327	3	economic	economic	ADJ
fsr-3412	327	4	benefits	benefit	NOUN
fsr-3412	327	5	of	of	ADP
fsr-3412	327	6	personal	personal	ADJ
fsr-3412	327	7	financial	financial	ADJ
fsr-3412	327	8	planning	planning	NOUN
fsr-3412	327	9	.	.	PUNCT
fsr-3412	328	1	financial	financial	ADJ
fsr-3412	328	2	services	service	NOUN
fsr-3412	328	3	review	review	PROPN
fsr-3412	328	4	,	,	PUNCT
fsr-3412	328	5	19	19	NUM
fsr-3412	328	6	,	,	PUNCT
fsr-3412	328	7	111–127	111–127	NUM
fsr-3412	328	8	.	.	PUNCT
fsr-3412	329	1	hanna	hanna	PROPN
fsr-3412	329	2	,	,	PUNCT
fsr-3412	329	3	s.	s.	PROPN
fsr-3412	329	4	d.	d.	PROPN
fsr-3412	329	5	,	,	PUNCT
fsr-3412	329	6	ji	ji	PROPN
fsr-3412	329	7	,	,	PUNCT
fsr-3412	329	8	h.	h.	PROPN
fsr-3412	329	9	,	,	PUNCT
fsr-3412	329	10	lee	lee	PROPN
fsr-3412	329	11	,	,	PUNCT
fsr-3412	329	12	j.	j.	PROPN
fsr-3412	329	13	,	,	PUNCT
fsr-3412	329	14	son	son	PROPN
fsr-3412	329	15	,	,	PUNCT
fsr-3412	329	16	j.	j.	PROPN
fsr-3412	329	17	,	,	PUNCT
fsr-3412	329	18	letkiewicz	letkiewicz	PROPN
fsr-3412	329	19	,	,	PUNCT
fsr-3412	329	20	j.	j.	PROPN
fsr-3412	329	21	,	,	PUNCT
fsr-3412	329	22	lim	lim	PROPN
fsr-3412	329	23	,	,	PUNCT
fsr-3412	329	24	h.	h.	PROPN
fsr-3412	329	25	,	,	PUNCT
fsr-3412	329	26	&	&	CCONJ
fsr-3412	329	27	zhang	zhang	PROPN
fsr-3412	329	28	,	,	PUNCT
fsr-3412	329	29	l.	l.	PROPN
fsr-3412	329	30	(	(	PUNCT
fsr-3412	329	31	2011	2011	NUM
fsr-3412	329	32	)	)	PUNCT
fsr-3412	329	33	.	.	PUNCT
fsr-3412	330	1	content	content	NOUN
fsr-3412	330	2	analysis	analysis	NOUN
fsr-3412	330	3	of	of	ADP
fsr-3412	330	4	financial	financial	ADJ
fsr-3412	330	5	services	service	NOUN
fsr-3412	330	6	review	review	NOUN
fsr-3412	330	7	.	.	PUNCT
fsr-3412	331	1	financial	financial	ADJ
fsr-3412	331	2	services	service	NOUN
fsr-3412	331	3	review	review	NOUN
fsr-3412	331	4	,	,	PUNCT
fsr-3412	331	5	20	20	NUM
fsr-3412	331	6	(	(	PUNCT
fsr-3412	331	7	3	3	NUM
fsr-3412	331	8	)	)	PUNCT
fsr-3412	331	9	,	,	PUNCT
fsr-3412	331	10	237–251	237–251	NUM
fsr-3412	331	11	.	.	PUNCT
fsr-3412	332	1	hanna	hanna	PROPN
fsr-3412	332	2	,	,	PUNCT
fsr-3412	332	3	s.	s.	PROPN
fsr-3412	332	4	d.	d.	PROPN
fsr-3412	332	5	,	,	PUNCT
fsr-3412	332	6	kim	kim	PROPN
fsr-3412	332	7	,	,	PUNCT
fsr-3412	332	8	k.	k.	PROPN
fsr-3412	332	9	t.	t.	PROPN
fsr-3412	332	10	,	,	PUNCT
fsr-3412	332	11	&	&	CCONJ
fsr-3412	332	12	lindamood	lindamood	PROPN
fsr-3412	332	13	,	,	PUNCT
fsr-3412	332	14	s.	s.	PROPN
fsr-3412	332	15	(	(	PUNCT
fsr-3412	332	16	2018	2018	NUM
fsr-3412	332	17	)	)	PUNCT
fsr-3412	332	18	.	.	PUNCT
fsr-3412	333	1	behind	behind	ADP
fsr-3412	333	2	the	the	DET
fsr-3412	333	3	numbers	number	NOUN
fsr-3412	333	4	:	:	PUNCT
fsr-3412	333	5	understanding	understand	VERB
fsr-3412	333	6	the	the	DET
fsr-3412	333	7	survey	survey	NOUN
fsr-3412	333	8	of	of	ADP
fsr-3412	333	9	consumer	consumer	NOUN
fsr-3412	333	10	finances	finance	NOUN
fsr-3412	333	11	.	.	PUNCT
fsr-3412	334	1	journal	journal	NOUN
fsr-3412	334	2	of	of	ADP
fsr-3412	334	3	financial	financial	ADJ
fsr-3412	334	4	counseling	counseling	NOUN
fsr-3412	334	5	and	and	CCONJ
fsr-3412	334	6	planning	planning	NOUN
fsr-3412	334	7	,	,	PUNCT
fsr-3412	334	8	29	29	NUM
fsr-3412	334	9	,	,	PUNCT
fsr-3412	334	10	410–418	410–418	NUM
fsr-3412	334	11	.	.	PUNCT
fsr-3412	335	1	heo	heo	PROPN
fsr-3412	335	2	,	,	PUNCT
fsr-3412	335	3	w.	w.	PROPN
fsr-3412	335	4	,	,	PUNCT
fsr-3412	335	5	grable	grable	PROPN
fsr-3412	335	6	,	,	PUNCT
fsr-3412	335	7	j.	j.	PROPN
fsr-3412	335	8	e.	e.	PROPN
fsr-3412	335	9	,	,	PUNCT
fsr-3412	335	10	&	&	CCONJ
fsr-3412	335	11	chatterjee	chatterjee	PROPN
fsr-3412	335	12	,	,	PUNCT
fsr-3412	335	13	s.	s.	PROPN
fsr-3412	335	14	(	(	PUNCT
fsr-3412	335	15	2013	2013	NUM
fsr-3412	335	16	)	)	PUNCT
fsr-3412	335	17	.	.	PUNCT
fsr-3412	336	1	life	life	NOUN
fsr-3412	336	2	insurance	insurance	NOUN
fsr-3412	336	3	consumption	consumption	NOUN
fsr-3412	336	4	as	as	ADP
fsr-3412	336	5	a	a	DET
fsr-3412	336	6	function	function	NOUN
fsr-3412	336	7	of	of	ADP
fsr-3412	336	8	wealth	wealth	NOUN
fsr-3412	336	9	change	change	NOUN
fsr-3412	336	10	.	.	PUNCT
fsr-3412	337	1	financial	financial	ADJ
fsr-3412	337	2	services	service	NOUN
fsr-3412	337	3	review	review	PROPN
fsr-3412	337	4	,	,	PUNCT
fsr-3412	337	5	22	22	NUM
fsr-3412	337	6	,	,	PUNCT
fsr-3412	337	7	389–404	389–404	NUM
fsr-3412	337	8	.	.	PUNCT
fsr-3412	338	1	kim	kim	PROPN
fsr-3412	338	2	,	,	PUNCT
fsr-3412	338	3	k.	k.	PROPN
fsr-3412	338	4	t.	t.	PROPN
fsr-3412	338	5	,	,	PUNCT
fsr-3412	338	6	pak	pak	PROPN
fsr-3412	338	7	,	,	PUNCT
fsr-3412	338	8	t.	t.	PROPN
fsr-3412	338	9	k.	k.	PROPN
fsr-3412	338	10	,	,	PUNCT
fsr-3412	338	11	shin	shin	PROPN
fsr-3412	338	12	,	,	PUNCT
fsr-3412	338	13	s.	s.	PROPN
fsr-3412	338	14	h.	h.	PROPN
fsr-3412	338	15	,	,	PUNCT
fsr-3412	338	16	&	&	CCONJ
fsr-3412	338	17	hanna	hanna	PROPN
fsr-3412	338	18	,	,	PUNCT
fsr-3412	338	19	s.	s.	PROPN
fsr-3412	338	20	d.	d.	PROPN
fsr-3412	338	21	(	(	PUNCT
fsr-3412	338	22	2018	2018	NUM
fsr-3412	338	23	)	)	PUNCT
fsr-3412	338	24	.	.	PUNCT
fsr-3412	339	1	the	the	DET
fsr-3412	339	2	relationship	relationship	NOUN
fsr-3412	339	3	between	between	ADP
fsr-3412	339	4	financial	financial	ADJ
fsr-3412	339	5	planner	planner	NOUN
fsr-3412	339	6	use	use	NOUN
fsr-3412	339	7	and	and	CCONJ
fsr-3412	339	8	holding	hold	VERB
fsr-3412	339	9	a	a	DET
fsr-3412	339	10	retirement	retirement	NOUN
fsr-3412	339	11	saving	save	VERB
fsr-3412	339	12	goal	goal	NOUN
fsr-3412	339	13	:	:	PUNCT
fsr-3412	339	14	a	a	DET
fsr-3412	339	15	propensity	propensity	NOUN
fsr-3412	339	16	score	score	NOUN
fsr-3412	339	17	matching	match	VERB
fsr-3412	339	18	analysis	analysis	NOUN
fsr-3412	339	19	.	.	PUNCT
fsr-3412	340	1	financial	financial	ADJ
fsr-3412	340	2	planning	planning	NOUN
fsr-3412	340	3	review	review	NOUN
fsr-3412	340	4	,	,	PUNCT
fsr-3412	340	5	1	1	NUM
fsr-3412	340	6	,	,	PUNCT
fsr-3412	340	7	e1008	e1008	PROPN
fsr-3412	340	8	.	.	PUNCT
fsr-3412	341	1	https://doi.org/10.1002/cfp2.1008	https://doi.org/10.1002/cfp2.1008	NOUN
fsr-3412	341	2	liebenberg	liebenberg	ADV
fsr-3412	341	3	,	,	PUNCT
fsr-3412	341	4	a.	a.	PROPN
fsr-3412	341	5	p.	p.	PROPN
fsr-3412	341	6	,	,	PUNCT
fsr-3412	341	7	carson	carson	PROPN
fsr-3412	341	8	,	,	PUNCT
fsr-3412	341	9	j.	j.	PROPN
fsr-3412	341	10	m.	m.	PROPN
fsr-3412	341	11	,	,	PUNCT
fsr-3412	341	12	&	&	CCONJ
fsr-3412	341	13	dumm	dumm	PROPN
fsr-3412	341	14	,	,	PUNCT
fsr-3412	341	15	r.	r.	PROPN
fsr-3412	341	16	e.	e.	PROPN
fsr-3412	341	17	(	(	PUNCT
fsr-3412	341	18	2012	2012	NUM
fsr-3412	341	19	)	)	PUNCT
fsr-3412	341	20	.	.	PUNCT
fsr-3412	342	1	a	a	DET
fsr-3412	342	2	dynamic	dynamic	ADJ
fsr-3412	342	3	analysis	analysis	NOUN
fsr-3412	342	4	of	of	ADP
fsr-3412	342	5	the	the	DET
fsr-3412	342	6	demand	demand	NOUN
fsr-3412	342	7	for	for	ADP
fsr-3412	342	8	life	life	NOUN
fsr-3412	342	9	insurance	insurance	NOUN
fsr-3412	342	10	.	.	PUNCT
fsr-3412	343	1	journal	journal	NOUN
fsr-3412	343	2	of	of	ADP
fsr-3412	343	3	risk	risk	NOUN
fsr-3412	343	4	and	and	CCONJ
fsr-3412	343	5	insurance	insurance	NOUN
fsr-3412	343	6	,	,	PUNCT
fsr-3412	343	7	79	79	NUM
fsr-3412	343	8	,	,	PUNCT
fsr-3412	343	9	619–644	619–644	NUM
fsr-3412	343	10	.	.	PUNCT
fsr-3412	344	1	lindamood	lindamood	PROPN
fsr-3412	344	2	,	,	PUNCT
fsr-3412	344	3	s.	s.	PROPN
fsr-3412	344	4	,	,	PUNCT
fsr-3412	344	5	hanna	hanna	PROPN
fsr-3412	344	6	,	,	PUNCT
fsr-3412	344	7	s.	s.	PROPN
fsr-3412	344	8	d.	d.	PROPN
fsr-3412	344	9	,	,	PUNCT
fsr-3412	344	10	&	&	CCONJ
fsr-3412	344	11	bi	bi	PROPN
fsr-3412	344	12	,	,	PUNCT
fsr-3412	344	13	l.	l.	PROPN
fsr-3412	344	14	(	(	PUNCT
fsr-3412	344	15	2007	2007	NUM
fsr-3412	344	16	)	)	PUNCT
fsr-3412	344	17	.	.	PUNCT
fsr-3412	345	1	using	use	VERB
fsr-3412	345	2	the	the	DET
fsr-3412	345	3	survey	survey	NOUN
fsr-3412	345	4	of	of	ADP
fsr-3412	345	5	consumer	consumer	NOUN
fsr-3412	345	6	finances	finance	NOUN
fsr-3412	345	7	:	:	PUNCT
fsr-3412	345	8	some	some	DET
fsr-3412	345	9	methodological	methodological	ADJ
fsr-3412	345	10	considerations	consideration	NOUN
fsr-3412	345	11	and	and	CCONJ
fsr-3412	345	12	issues	issue	NOUN
fsr-3412	345	13	.	.	PUNCT
fsr-3412	346	1	journal	journal	NOUN
fsr-3412	346	2	of	of	ADP
fsr-3412	346	3	consumer	consumer	NOUN
fsr-3412	346	4	affairs	affair	NOUN
fsr-3412	346	5	,	,	PUNCT
fsr-3412	346	6	41	41	NUM
fsr-3412	346	7	,	,	PUNCT
fsr-3412	346	8	195–222	195–222	NUM
fsr-3412	346	9	.	.	PUNCT
fsr-3412	347	1	mountain	mountain	NOUN
fsr-3412	347	2	,	,	PUNCT
fsr-3412	347	3	t.	t.	PROPN
fsr-3412	347	4	p.	p.	PROPN
fsr-3412	347	5	(	(	PUNCT
fsr-3412	347	6	2015	2015	NUM
fsr-3412	347	7	)	)	PUNCT
fsr-3412	347	8	.	.	PUNCT
fsr-3412	348	1	life	life	NOUN
fsr-3412	348	2	insurance	insurance	NOUN
fsr-3412	348	3	and	and	CCONJ
fsr-3412	348	4	financial	financial	ADJ
fsr-3412	348	5	vulnerability	vulnerability	NOUN
fsr-3412	348	6	.	.	PUNCT
fsr-3412	349	1	ph.d	ph.d	PROPN
fsr-3412	349	2	.	.	PUNCT
fsr-3412	350	1	dissertation	dissertation	NOUN
fsr-3412	350	2	,	,	PUNCT
fsr-3412	350	3	the	the	DET
fsr-3412	350	4	ohio	ohio	PROPN
fsr-3412	350	5	state	state	PROPN
fsr-3412	350	6	university	university	PROPN
fsr-3412	350	7	.	.	PUNCT
fsr-3412	351	1	mulholland	mulholland	PROPN
fsr-3412	351	2	,	,	PUNCT
fsr-3412	351	3	b.	b.	PROPN
fsr-3412	351	4	,	,	PUNCT
fsr-3412	351	5	finke	finke	PROPN
fsr-3412	351	6	,	,	PUNCT
fsr-3412	351	7	m.	m.	NOUN
fsr-3412	351	8	,	,	PUNCT
fsr-3412	351	9	&	&	CCONJ
fsr-3412	351	10	huston	huston	PROPN
fsr-3412	351	11	,	,	PUNCT
fsr-3412	351	12	s.	s.	PROPN
fsr-3412	351	13	(	(	PUNCT
fsr-3412	351	14	2016	2016	NUM
fsr-3412	351	15	)	)	PUNCT
fsr-3412	351	16	.	.	PUNCT
fsr-3412	352	1	understanding	understand	VERB
fsr-3412	352	2	the	the	DET
fsr-3412	352	3	shift	shift	NOUN
fsr-3412	352	4	in	in	ADP
fsr-3412	352	5	demand	demand	NOUN
fsr-3412	352	6	for	for	ADP
fsr-3412	352	7	cash	cash	NOUN
fsr-3412	352	8	value	value	NOUN
fsr-3412	352	9	life	life	NOUN
fsr-3412	352	10	insurance	insurance	NOUN
fsr-3412	352	11	.	.	PUNCT
fsr-3412	353	1	risk	risk	NOUN
fsr-3412	353	2	management	management	NOUN
fsr-3412	353	3	and	and	CCONJ
fsr-3412	353	4	insurance	insurance	NOUN
fsr-3412	353	5	review	review	NOUN
fsr-3412	353	6	,	,	PUNCT
fsr-3412	353	7	19	19	NUM
fsr-3412	353	8	,	,	PUNCT
fsr-3412	353	9	7–36	7–36	PROPN
fsr-3412	353	10	.	.	PUNCT
fsr-3412	354	1	nam	nam	PROPN
fsr-3412	354	2	,	,	PUNCT
fsr-3412	354	3	y.	y.	PROPN
fsr-3412	354	4	,	,	PUNCT
fsr-3412	354	5	&	&	CCONJ
fsr-3412	354	6	hanna	hanna	PROPN
fsr-3412	354	7	,	,	PUNCT
fsr-3412	354	8	s.	s.	PROPN
fsr-3412	354	9	d.	d.	PROPN
fsr-3412	354	10	(	(	PUNCT
fsr-3412	354	11	2019	2019	NUM
fsr-3412	354	12	)	)	PUNCT
fsr-3412	354	13	.	.	PUNCT
fsr-3412	355	1	the	the	DET
fsr-3412	355	2	effects	effect	NOUN
fsr-3412	355	3	of	of	ADP
fsr-3412	355	4	risk	risk	NOUN
fsr-3412	355	5	aversion	aversion	NOUN
fsr-3412	355	6	on	on	ADP
fsr-3412	355	7	life	life	NOUN
fsr-3412	355	8	insurance	insurance	NOUN
fsr-3412	355	9	ownership	ownership	NOUN
fsr-3412	355	10	of	of	ADP
fsr-3412	355	11	single	single	ADJ
fsr-3412	355	12	-	-	PUNCT
fsr-3412	355	13	parent	parent	NOUN
fsr-3412	355	14	households	household	NOUN
fsr-3412	355	15	.	.	PUNCT
fsr-3412	356	1	applied	apply	VERB
fsr-3412	356	2	economics	economic	NOUN
fsr-3412	356	3	letters	letter	NOUN
fsr-3412	356	4	,	,	PUNCT
fsr-3412	356	5	26	26	NUM
fsr-3412	356	6	,	,	PUNCT
fsr-3412	356	7	1285–1288	1285–1288	NUM
fsr-3412	356	8	.	.	PUNCT
fsr-3412	357	1	http://dx.doi.org/10.1080/13504851.2018.1546044	http://dx.doi.org/10.1080/13504851.2018.1546044	PROPN
fsr-3412	357	2	retzloff	retzloff	NOUN
fsr-3412	357	3	,	,	PUNCT
fsr-3412	357	4	c.	c.	PROPN
fsr-3412	357	5	d.	d.	PROPN
fsr-3412	357	6	(	(	PUNCT
fsr-3412	357	7	2010	2010	NUM
fsr-3412	357	8	)	)	PUNCT
fsr-3412	357	9	.	.	PUNCT
fsr-3412	358	1	household	household	NOUN
fsr-3412	358	2	trends	trend	NOUN
fsr-3412	358	3	in	in	ADP
fsr-3412	358	4	u.s	u.s	PROPN
fsr-3412	358	5	.	.	PROPN
fsr-3412	358	6	life	life	NOUN
fsr-3412	358	7	insurance	insurance	NOUN
fsr-3412	358	8	ownership	ownership	NOUN
fsr-3412	358	9	.	.	PUNCT
fsr-3412	359	1	limra	limra	NOUN
fsr-3412	359	2	,	,	PUNCT
fsr-3412	359	3	report	report	NOUN
fsr-3412	359	4	,	,	PUNCT
fsr-3412	359	5	november	november	PROPN
fsr-3412	359	6	,	,	PUNCT
fsr-3412	359	7	1	1	X
fsr-3412	359	8	.	.	X
fsr-3412	359	9	scism	scism	NOUN
fsr-3412	359	10	,	,	PUNCT
fsr-3412	359	11	l.	l.	PROPN
fsr-3412	359	12	(	(	PUNCT
fsr-3412	359	13	2016	2016	NUM
fsr-3412	359	14	,	,	PUNCT
fsr-3412	359	15	feb	feb	NOUN
fsr-3412	359	16	25	25	NUM
fsr-3412	359	17	)	)	PUNCT
fsr-3412	359	18	.	.	PUNCT
fsr-3412	360	1	death	death	NOUN
fsr-3412	360	2	of	of	ADP
fsr-3412	360	3	the	the	DET
fsr-3412	360	4	insurance	insurance	NOUN
fsr-3412	360	5	salesman	salesman	NOUN
fsr-3412	360	6	at	at	ADP
fsr-3412	360	7	metlife	metlife	NOUN
fsr-3412	360	8	.	.	PUNCT
fsr-3412	361	1	the	the	DET
fsr-3412	361	2	wall	wall	PROPN
fsr-3412	361	3	street	street	PROPN
fsr-3412	361	4	journal	journal	PROPN
fsr-3412	361	5	.	.	PUNCT
fsr-3412	362	1	scott	scott	PROPN
fsr-3412	362	2	,	,	PUNCT
fsr-3412	362	3	j.	j.	PROPN
fsr-3412	362	4	k.	k.	PROPN
fsr-3412	362	5	,	,	PUNCT
fsr-3412	362	6	&	&	CCONJ
fsr-3412	362	7	gilliam	gilliam	PROPN
fsr-3412	362	8	,	,	PUNCT
fsr-3412	362	9	j.	j.	PROPN
fsr-3412	362	10	(	(	PUNCT
fsr-3412	362	11	2014	2014	NUM
fsr-3412	362	12	)	)	PUNCT
fsr-3412	362	13	.	.	PUNCT
fsr-3412	363	1	boomers	boomer	NOUN
fsr-3412	363	2	’	’	PART
fsr-3412	363	3	life	life	NOUN
fsr-3412	363	4	insurance	insurance	NOUN
fsr-3412	363	5	adequacy	adequacy	NOUN
fsr-3412	363	6	pre	pre	X
fsr-3412	363	7	&	&	CCONJ
fsr-3412	363	8	post	post	VERB
fsr-3412	363	9	the	the	DET
fsr-3412	363	10	2008	2008	NUM
fsr-3412	363	11	financial	financial	ADJ
fsr-3412	363	12	crisis	crisis	NOUN
fsr-3412	363	13	.	.	PUNCT
fsr-3412	364	1	financial	financial	ADJ
fsr-3412	364	2	services	service	NOUN
fsr-3412	364	3	review	review	PROPN
fsr-3412	364	4	,	,	PUNCT
fsr-3412	364	5	23	23	NUM
fsr-3412	364	6	,	,	PUNCT
fsr-3412	364	7	287–304	287–304	NUM
fsr-3412	364	8	.	.	PUNCT
fsr-3412	365	1	shenkman	shenkman	ADJ
fsr-3412	365	2	,	,	PUNCT
fsr-3412	365	3	m.	m.	NOUN
fsr-3412	365	4	(	(	PUNCT
fsr-3412	365	5	2019	2019	NUM
fsr-3412	365	6	,	,	PUNCT
fsr-3412	365	7	march	march	PROPN
fsr-3412	365	8	21	21	NUM
fsr-3412	365	9	)	)	PUNCT
fsr-3412	365	10	.	.	PUNCT
fsr-3412	366	1	sanders	sanders	PROPN
fsr-3412	366	2	estate	estate	PROPN
fsr-3412	366	3	tax	tax	NOUN
fsr-3412	366	4	proposal	proposal	NOUN
fsr-3412	366	5	:	:	PUNCT
fsr-3412	366	6	estate	estate	NOUN
fsr-3412	366	7	planning	planning	NOUN
fsr-3412	366	8	steps	step	NOUN
fsr-3412	366	9	to	to	PART
fsr-3412	366	10	take	take	VERB
fsr-3412	366	11	now	now	ADV
fsr-3412	366	12	.	.	PUNCT
fsr-3412	367	1	(	(	PUNCT
fsr-3412	367	2	available	available	ADJ
fsr-3412	367	3	at	at	ADP
fsr-3412	367	4	https://www.forbes.com/sites/martinshenkman/2019/03/21/sanders-estate-tax-proposal-estate-planning-steps-to-take-now/#16bae6299f5e	https://www.forbes.com/sites/martinshenkman/2019/03/21/sanders-estate-tax-proposal-estate-planning-steps-to-take-now/#16bae6299f5e	PROPN
fsr-3412	367	5	)	)	PUNCT
fsr-3412	367	6	shin	shin	NOUN
fsr-3412	367	7	,	,	PUNCT
fsr-3412	367	8	s.	s.	PROPN
fsr-3412	367	9	h.	h.	PROPN
fsr-3412	367	10	,	,	PUNCT
fsr-3412	367	11	&	&	CCONJ
fsr-3412	367	12	hanna	hanna	PROPN
fsr-3412	367	13	,	,	PUNCT
fsr-3412	367	14	s.	s.	PROPN
fsr-3412	367	15	d.	d.	PROPN
fsr-3412	367	16	(	(	PUNCT
fsr-3412	367	17	2017	2017	NUM
fsr-3412	367	18	)	)	PUNCT
fsr-3412	367	19	.	.	PUNCT
fsr-3412	368	1	accounting	account	VERB
fsr-3412	368	2	for	for	ADP
fsr-3412	368	3	complex	complex	ADJ
fsr-3412	368	4	sample	sample	NOUN
fsr-3412	368	5	designs	design	NOUN
fsr-3412	368	6	in	in	ADP
fsr-3412	368	7	analyses	analysis	NOUN
fsr-3412	368	8	of	of	ADP
fsr-3412	368	9	the	the	DET
fsr-3412	368	10	survey	survey	NOUN
fsr-3412	368	11	of	of	ADP
fsr-3412	368	12	consumer	consumer	NOUN
fsr-3412	368	13	finances	finance	NOUN
fsr-3412	368	14	.	.	PUNCT
fsr-3412	369	1	journal	journal	NOUN
fsr-3412	369	2	of	of	ADP
fsr-3412	369	3	consumer	consumer	NOUN
fsr-3412	369	4	affairs	affair	NOUN
fsr-3412	369	5	,	,	PUNCT
fsr-3412	369	6	51	51	NUM
fsr-3412	369	7	,	,	PUNCT
fsr-3412	369	8	255–283	255–283	NUM
fsr-3412	369	9	.	.	PUNCT
fsr-3412	370	1	warschauer	warschauer	NOUN
fsr-3412	370	2	,	,	PUNCT
fsr-3412	370	3	t.	t.	NOUN
fsr-3412	370	4	a.	a.	NOUN
fsr-3412	370	5	(	(	PUNCT
fsr-3412	370	6	2012	2012	NUM
fsr-3412	370	7	)	)	PUNCT
fsr-3412	370	8	.	.	PUNCT
fsr-3412	371	1	the	the	DET
fsr-3412	371	2	economic	economic	ADJ
fsr-3412	371	3	benefits	benefit	NOUN
fsr-3412	371	4	of	of	ADP
fsr-3412	371	5	personal	personal	ADJ
fsr-3412	371	6	financial	financial	ADJ
fsr-3412	371	7	planning	planning	NOUN
fsr-3412	371	8	:	:	PUNCT
fsr-3412	371	9	an	an	DET
fsr-3412	371	10	empirical	empirical	ADJ
fsr-3412	371	11	analysis	analysis	NOUN
fsr-3412	371	12	.	.	PUNCT
fsr-3412	372	1	financial	financial	ADJ
fsr-3412	372	2	services	service	NOUN
fsr-3412	372	3	review	review	PROPN
fsr-3412	372	4	,	,	PUNCT
fsr-3412	372	5	21	21	NUM
fsr-3412	372	6	,	,	PUNCT
fsr-3412	372	7	195–208	195–208	NUM
fsr-3412	372	8	.	.	PUNCT
fsr-3412	373	1	yuh	yuh	PROPN
fsr-3412	373	2	,	,	PUNCT
fsr-3412	373	3	y.	y.	PROPN
fsr-3412	373	4	,	,	PUNCT
fsr-3412	373	5	&	&	CCONJ
fsr-3412	373	6	hanna	hanna	PROPN
fsr-3412	373	7	,	,	PUNCT
fsr-3412	373	8	s.	s.	PROPN
fsr-3412	373	9	d.	d.	PROPN
fsr-3412	373	10	(	(	PUNCT
fsr-3412	373	11	2010	2010	NUM
fsr-3412	373	12	)	)	PUNCT
fsr-3412	373	13	.	.	PUNCT
fsr-3412	374	1	which	which	DET
fsr-3412	374	2	households	household	NOUN
fsr-3412	374	3	think	think	VERB
fsr-3412	374	4	they	they	PRON
fsr-3412	374	5	save	save	VERB
fsr-3412	374	6	?	?	PUNCT
fsr-3412	375	1	journal	journal	NOUN
fsr-3412	375	2	of	of	ADP
fsr-3412	375	3	consumer	consumer	NOUN
fsr-3412	375	4	affairs	affair	NOUN
fsr-3412	375	5	,	,	PUNCT
fsr-3412	375	6	44	44	NUM
fsr-3412	375	7	,	,	PUNCT
fsr-3412	375	8	70–97	70–97	NUM
fsr-3412	375	9	.	.	PUNCT
fsr-3412	376	1	16	16	NUM
fsr-3412	376	2	k.	k.	PROPN
fsr-3412	376	3	tae	tae	PROPN
fsr-3412	376	4	kim	kim	PROPN
fsr-3412	377	1	et	et	PROPN
fsr-3412	377	2	al	al	PROPN
fsr-3412	377	3	.	.	PUNCT
fsr-3412	377	4	/	/	SYM
fsr-3412	377	5	financial	financial	ADJ
fsr-3412	377	6	services	service	NOUN
fsr-3412	377	7	review	review	VERB
fsr-3412	377	8	28	28	NUM
fsr-3412	377	9	(	(	PUNCT
fsr-3412	377	10	2020	2020	NUM
fsr-3412	377	11	)	)	PUNCT
fsr-3412	377	12	1	1	NUM
fsr-3412	377	13	-	-	SYM
fsr-3412	377	14	16	16	NUM