==========================================================================================

Section T: WILLS AND LIFE INSURANCE  (Respondent)

==========================================================================================


HHID                HOUSEHOLD IDENTIFICATION NUMBER
         Section: T     Level: Respondent      Type: Character  Width: 6   Decimals: 0

         .................................................................................
         17217           000003-502761.  Household Identification Number


==========================================================================================


PN                  RESPONDENT PERSON IDENTIFICATION NUMBER
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0

         .................................................................................
          9139         010.  Person Identifier
           585         011.  Person Identifier
            27         012.  Person Identifier
             1         013.  Person Identifier
          5474         020.  Person Identifier
           157         021.  Person Identifier
            10         022.  Person Identifier
           691         030.  Person Identifier
            42         031.  Person Identifier
             3         032.  Person Identifier
          1027         040.  Person Identifier
            58         041.  Person Identifier
             3         042.  Person Identifier


==========================================================================================


LSUBHH              2008 SUB HOUSEHOLD IDENTIFICATION NUMBER
         Section: T     Level: Respondent      Type: Character  Width: 1   Decimals: 0

         .................................................................................
         15991           0.  Original sample household - no split from divorce or
                             separation of spouses or partners
           634           1.  Split household - one half of couple from SUBHH 0 and new
                             spouse or partner, if any
           469           2.  Split household - one half of couple from SUBHH 0 and new
                             spouse or partner, if any
            47           5.  Split household - one half of couple from SUBHH 1 or 2
             7           6.  Split household - one half of couple from SUBHH 1 or 2
            68           7.  Reunited household - respondents from split household
                             reunite
             1           8.  Split household - one half of couple from SUBHH 1 or 2


==========================================================================================


KSUBHH              2006 SUB HOUSEHOLD IDENTIFICATION NUMBER
         Section: T     Level: Respondent      Type: Character  Width: 1   Decimals: 0

         .................................................................................
         16153           0.  Original sample household - no split from divorce or
                             separation of spouses or partners
           545           1.  Split household - one half of couple from SUBHH 0 and new
                             spouse or partner, if any
           413           2.  Split household - one half of couple from SUBHH 0 and new
                             spouse or partner, if any
            36           5.  Split household - one half of couple from SUBHH 1 or 2
             5           6.  Split household - one half of couple from SUBHH 1 or 2
            64           7.  Reunited household - respondents from split household
                             reunite
             1           8.  Split household - one half of couple from SUBHH 1 or 2


==========================================================================================


LPN_SP              2008 SPOUSE/PARTNER PERSON NUMBER
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0

         .................................................................................
          4711         010.  Person Identifier
           468         011.  Person Identifier
            22         012.  Person Identifier
             1         013.  Person Identifier
          4199         020.  Person Identifier
           132         021.  Person Identifier
             7         022.  Person Identifier
           524         030.  Person Identifier
            35         031.  Person Identifier
             4         032.  Person Identifier
           808         040.  Person Identifier
            47         041.  Person Identifier
             4         042.  Person Identifier
            22         811.  Spouse of Non-Original Respondent
             3         812.  Spouse of Non-Original Respondent
             5         821.  Spouse of Non-Original Respondent
             1         822.  Spouse of Non-Original Respondent
             4         831.  Spouse of Non-Original Respondent
             4         841.  Spouse of Non-Original Respondent
          6216       Blank.  INAP (Inapplicable); Partial Interview; Single R Household


==========================================================================================


LCSR                2008 WHETHER COVERSHEET RESPONDENT
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0

         .................................................................................
         11898           1.  Yes
            18           3.  2nd Coverscreen R, answers not retained
          5301           5.  No


==========================================================================================


LFAMR               2008 WHETHER FAMILY RESPONDENT
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0

         .................................................................................
         11814           1.  Family R
             4           3.  2nd Family R, answers not retained
          5399           5.  Non-Family R


==========================================================================================


LFINR               2008 WHETHER FINANCIAL RESPONDENT
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0

         .................................................................................
         11843           1.  Financial R
             5           3.  2nd Financial R, answers not retained
          5369           5.  Non-Financial R


==========================================================================================


LT001               DOES R HAVE VALID WILL
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.Wills.T001_

         
         
         Do you currently have a will that is written and witnessed?

         .................................................................................
          9139           1.  YES, WILL
           271           2.  [VOL] YES, WILL AND TRUST
           231           3.  [VOL] NO WILL, BUT HAVE TRUST
          7468           5.  NO WILL
            43           8.  DK (Don't Know); NA (Not Ascertained)
            42           9.  RF (Refused)
            23       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T001_ = NoWill) OR T001_ = NONRESPONSE) 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT002               DID R MAKE FAMILY PROVISIONS IN WILL
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.Wills.T002_

         
         
         Have you made provisions in your [will/will or trust/trust] for any family
         members [other than your [ husband/wife/partner]/ husband/wife/partner/former
         husband/former wife]?

         .................................................................................
          8463           1.  YES
          1129           5.  NO
            30           8.  DK (Don't Know); NA (Not Ascertained)
            19           9.  RF (Refused)
          7576       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T001_ = NoWill) OR T001_ = NONRESPONSE) 

         
IF NOT ((T002_ = NO) OR T002_ = NONRESPONSE) 

         
IF piInitA101_TotalKids > 0 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT003               R WILL INCLUDE CHILDREN/STEPCHILDREN
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.Wills.T003_

         Does that include any of your children or step-children?

         .................................................................................
          7777           1.  YES
           221           5.  NO
             5           8.  DK (Don't Know); NA (Not Ascertained)
             3           9.  RF (Refused)
          9211       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT004M1             WHICH CHILD IS INCLUDED IN WILL -M1
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T004_[1]

         
         
         (Which child is that?)
         
          CHOOSE all that apply. If only one child appears, select and move on

         .................................................................................
          2255                 041-990.  Other Person Number
          3541                     993.  ALL CHILDREN EQUALLY
          1938                     996.  ALL CHILDREN - "EQUALLY" NOT MENTIONED
            21                     998.  DK (Don't Know); NA (Not Ascertained)
            22                     999.  RF (Refused)
          9440                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT004M2             WHICH CHILD IS INCLUDED IN WILL -M2
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T004_[2]

         
         
         (Which child is that?)
         
          CHOOSE all that apply. If only one child appears, select and move on

         .................................................................................
          1075                 041-990.  Other Person Number
             3                     993.  ALL CHILDREN EQUALLY
             6                     996.  ALL CHILDREN - "EQUALLY" NOT MENTIONED
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         16133                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT004M3             WHICH CHILD IS INCLUDED IN WILL -M3
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T004_[3]

         
         
         (Which child is that?)
         
          CHOOSE all that apply. If only one child appears, select and move on

         .................................................................................
           398                 041-990.  Other Person Number
                                   993.  ALL CHILDREN EQUALLY
                                   996.  ALL CHILDREN - "EQUALLY" NOT MENTIONED
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         16819                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT004M4             WHICH CHILD IS INCLUDED IN WILL -M4
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T004_[4]

         
         
         (Which child is that?)
         
          CHOOSE all that apply. If only one child appears, select and move on

         .................................................................................
           178                 041-990.  Other Person Number
                                   993.  ALL CHILDREN EQUALLY
             2                     996.  ALL CHILDREN - "EQUALLY" NOT MENTIONED
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17037                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT004M5             WHICH CHILD IS INCLUDED IN WILL -M5
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T004_[5]

         
         
         (Which child is that?)
         
          CHOOSE all that apply. If only one child appears, select and move on

         .................................................................................
            69                 041-990.  Other Person Number
                                   993.  ALL CHILDREN EQUALLY
                                   996.  ALL CHILDREN - "EQUALLY" NOT MENTIONED
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17148                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT004M6             WHICH CHILD IS INCLUDED IN WILL -M6
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T004_[6]

         
         
         (Which child is that?)
         
          CHOOSE all that apply. If only one child appears, select and move on

         .................................................................................
            27                 041-990.  Other Person Number
                                   993.  ALL CHILDREN EQUALLY
                                   996.  ALL CHILDREN - "EQUALLY" NOT MENTIONED
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17190                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT004M7             WHICH CHILD IS INCLUDED IN WILL -M7
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T004_[7]

         
         
         (Which child is that?)
         
          CHOOSE all that apply. If only one child appears, select and move on

         .................................................................................
             6                 041-990.  Other Person Number
                                   993.  ALL CHILDREN EQUALLY
                                   996.  ALL CHILDREN - "EQUALLY" NOT MENTIONED
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17211                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT004M8             WHICH CHILD IS INCLUDED IN WILL -M8
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T004_[8]

         
         
         (Which child is that?)
         
          CHOOSE all that apply. If only one child appears, select and move on

         .................................................................................
             2                 041-990.  Other Person Number
                                   993.  ALL CHILDREN EQUALLY
                                   996.  ALL CHILDREN - "EQUALLY" NOT MENTIONED
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17215                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT004M9             WHICH CHILD IS INCLUDED IN WILL -M9
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T004_[9]

         
         
         (Which child is that?)
         
          CHOOSE all that apply. If only one child appears, select and move on

         .................................................................................
             2                 041-990.  Other Person Number
                                   993.  ALL CHILDREN EQUALLY
                                   996.  ALL CHILDREN - "EQUALLY" NOT MENTIONED
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17215                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT004M10            WHICH CHILD IS INCLUDED IN WILL -M10
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T004_[10]

         
         
         (Which child is that?)
         
          CHOOSE all that apply. If only one child appears, select and move on

         .................................................................................
             1                 041-990.  Other Person Number
                                   993.  ALL CHILDREN EQUALLY
                                   996.  ALL CHILDREN - "EQUALLY" NOT MENTIONED
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17216                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT004M11            WHICH CHILD IS INCLUDED IN WILL -M11
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T004_[11]

         
         
         (Which child is that?)
         
          CHOOSE all that apply. If only one child appears, select and move on

         .................................................................................
             1                 041-990.  Other Person Number
                                   993.  ALL CHILDREN EQUALLY
                                   996.  ALL CHILDREN - "EQUALLY" NOT MENTIONED
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17216                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT004M12            WHICH CHILD IS INCLUDED IN WILL -M12
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T004_[12]

         
         
         (Which child is that?)
         
          CHOOSE all that apply. If only one child appears, select and move on

         .................................................................................
                               041-990.  Other Person Number
                                   993.  ALL CHILDREN EQUALLY
                                   996.  ALL CHILDREN - "EQUALLY" NOT MENTIONED
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17217                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T001_ = NoWill) OR T001_ = NONRESPONSE) 

         
IF NOT ((T002_ = NO) OR T002_ = NONRESPONSE) 

         
IF piInitA101_TotalKids > 0 

         
IF (T003_ <> NO) AND T003_ <> NONRESPONSE 

         
IF NOT (p93 IN T050_T004MTemp) AND ((T050_T004MTemp.CARDINAL > 1) OR 
         ((T050_T004MTemp.CARDINAL = 1) AND (p96 IN T050_T004MTemp))) 

         
IF piInitA101_TotalKids > 1 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT005               WILL PROVIDE FOR ALL CHILDREN EQUALLY
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.Wills.T005_

         Does that document provide for all your children about equally?

         .................................................................................
          2586           1.  YES
           396           5.  NO
            19           8.  DK (Don't Know); NA (Not Ascertained)
            10           9.  RF (Refused)
         14206       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T001_ = NoWill) OR T001_ = NONRESPONSE) 

         
IF NOT ((T002_ = NO) OR T002_ = NONRESPONSE) 

         
IF (piE046orZ114_NumGKids > 0) AND (piE046orZ114_NumGKids <> 95) 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT006               R WILL INCLUDE GRANDCHILDREN
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.Wills.T006_

         Does that document include any grandchild directly?

         .................................................................................
           987           1.  YES
           139           2.  [VOL] ONLY THROUGH THEIR PARENTS
          4899           5.  NO
            31           8.  DK (Don't Know); NA (Not Ascertained)
             9           9.  RF (Refused)
         11152       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT007M1             R WILL INCLUDE WHICH GRANDCHILD -M1
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T007_[1]

         Which of your children is the parent of that grandchild?
         
          CHOOSE all that apply

         .................................................................................
           789                 041-990.  Other Person Number
            37                     992.  DECEASED CHILD
           294                     993.  ALL CHILDREN
             3                     998.  DK (Don't Know); NA (Not Ascertained)
             3                     999.  RF (Refused)
         16091                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT007M2             R WILL INCLUDE WHICH GRANDCHILD -M2
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T007_[2]

         Which of your children is the parent of that grandchild?
         
          CHOOSE all that apply

         .................................................................................
           163                 041-990.  Other Person Number
             8                     992.  DECEASED CHILD
             1                     993.  ALL CHILDREN
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17045                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT007M3             R WILL INCLUDE WHICH GRANDCHILD -M3
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T007_[3]

         Which of your children is the parent of that grandchild?
         
          CHOOSE all that apply

         .................................................................................
            46                 041-990.  Other Person Number
                                   992.  DECEASED CHILD
                                   993.  ALL CHILDREN
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17171                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT007M4             R WILL INCLUDE WHICH GRANDCHILD -M4
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T007_[4]

         Which of your children is the parent of that grandchild?
         
          CHOOSE all that apply

         .................................................................................
            13                 041-990.  Other Person Number
                                   992.  DECEASED CHILD
                                   993.  ALL CHILDREN
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17204                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT007M5             R WILL INCLUDE WHICH GRANDCHILD -M5
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T007_[5]

         Which of your children is the parent of that grandchild?
         
          CHOOSE all that apply

         .................................................................................
             1                 041-990.  Other Person Number
                                   992.  DECEASED CHILD
                                   993.  ALL CHILDREN
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17216                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT007M6             R WILL INCLUDE WHICH GRANDCHILD -M6
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.Wills.T007_[6]

         Which of your children is the parent of that grandchild?
         
          CHOOSE all that apply

         .................................................................................
                               041-990.  Other Person Number
                                   992.  DECEASED CHILD
                                   993.  ALL CHILDREN
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17217                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T001_ = NoWill) OR T001_ = NONRESPONSE) 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT008               WILL PROVIDE FOR CHARITY
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.Wills.T008_

         Have you made provisions for any charities in your will or trust?

         .................................................................................
           917           1.  YES
          8632           5.  NO
            57           8.  DK (Don't Know); NA (Not Ascertained)
            35           9.  RF (Refused)
          7576       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT011               R HAVE ANY LIFE INSURANCE
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.LifeInsurance.T011_

         
         
         Do you have any life insurance, including individual or group policies?

         .................................................................................
         10632           1.  YES
          6343           5.  NO
           139           8.  DK (Don't Know); NA (Not Ascertained)
            80           9.  RF (Refused)
            23       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT012               NUMBER OF DIFF LIFE INS POLICIES R HAS
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.LifeInsurance.T012_

         How many different life insurance policies do you have?
         
          Include individual policies, group policies, or paid-up policies if R asks

         .................................................................................
          6386           1.  ONE
          2824           2.  TWO
           857           3.  THREE
           241           4.  FOUR
           140           5.  FIVE OR MORE
           128           8.  DK (Don't Know); NA (Not Ascertained)
            56           9.  RF (Refused)
          6585       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT013               FACE VALUE OF R LIFE INS POLICIES
         Section: T     Level: Respondent      Type: Numeric    Width: 7   Decimals: 0
         Ref: SecT.LifeInsurance.T013_

         
         
         [What/Altogether, what] is the total face value of [this policy/these policies],
         that is, the amount of money the beneficiary would get if you were to die?
         
          Do not probe DK/RF
         
         Amount:

         .................................................................................

         -----------------------------------------------------------------
              N      Min         Max          Mean            SD    Miss
           8814        0     8000000      86929.82     229643.76    6585
         -----------------------------------------------------------------
          1300     9999998.  DK (Don't Know); NA (Not Ascertained)
           518     9999999.  RF (Refused)


==========================================================================================


         ASSIGN: 
T014_ :=  EMPTY:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 
         
IF T013_ <> EMPTY AND T013_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT014               FACE VALUE OF R LIFE INS -MIN
         Section: T     Level: Respondent      Type: Numeric    Width: 7   Decimals: 0
         Ref: SecT.LifeInsurance.T014_

         T014-T016 Unfolding Sequence
         Question text: Does it amount to less than $____ , more than $____ , or what?
         
         PROCEDURES: 3Up, 2Up1Down, 1Up2Down
         BREAKPOINTS:  $2,500, $25,000, $50,000, $250,000
         RANDOM ENTRY POINTS:  $2,500, $25,000, $50,000
         ENTRY POINT ASSIGNMENT 1 or 2 or {NOT 1 and NOT 2} AT Z087
         ORDER OF ENTRY POINT ASSIGNMENTS AND PROCEDURES CORRESPOND

         .................................................................................
           949           0.  Value of Breakpoint
            34        2500.  Value of Breakpoint
           307        2501.  Value of Breakpoint
            86       25000.  Value of Breakpoint
           148       25001.  Value of Breakpoint
            47       50000.  Value of Breakpoint
           187       50001.  Value of Breakpoint
            12      250000.  Value of Breakpoint
            46      250001.  Value of Breakpoint
         15401       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASSIGN: 
T015_ :=  EMPTY:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 
         
IF T013_ <> EMPTY AND T013_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT015               FACE VALUE OF R LIFE INS - MAX
         Section: T     Level: Respondent      Type: Numeric    Width: 10  Decimals: 0
         Ref: SecT.LifeInsurance.T015_

         .................................................................................
            56        2499.  Value of Breakpoint
            34        2500.  Value of Breakpoint
           320       24999.  Value of Breakpoint
            86       25000.  Value of Breakpoint
           154       49999.  Value of Breakpoint
            47       50000.  Value of Breakpoint
           162      249999.  Value of Breakpoint
            12      250000.  Value of Breakpoint
           945    99999996.  Greater than Maximum Breakpoint
         15401       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASSIGN: 
T016_ :=  EMPTY:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 
         
IF T013_ <> EMPTY AND T013_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT016               FACE VALUE OF R LIFE INS - RESULT
         Section: T     Level: Respondent      Type: Numeric    Width: 2   Decimals: 0
         Ref: SecT.LifeInsurance.T016_

         .................................................................................
             2          97.  Data Not Available
           510          98.  DK (Don't Know); NA (Not Ascertained)
           467          99.  RF (Refused)
         16238       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT017M1             WHO ARE BENEFFICIARIES -M1
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T017_[1]

         Who are the beneficiaries of [this policy/these policies]?
         
          CHOOSE all that apply

         .................................................................................
          2116                 041-990.  Other Person Number
          6179                     991.  R'S SPOUSE/PARTNER
             8                     992.  DECEASED CHILD
          1426                     993.  ALL CHILDREN
            41                     994.  ALL GRANDCHILDREN
           199                     995.  R's Sibling(s)
           504                     997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
            93                     998.  DK (Don't Know); NA (Not Ascertained)
            66                     999.  RF (Refused)
          6585                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT017M2             WHO ARE BENEFFICIARIES -M2
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T017_[2]

         Who are the beneficiaries of [this policy/these policies]?
         
          CHOOSE all that apply

         .................................................................................
          1079                 041-990.  Other Person Number
            95                     991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
           405                     993.  ALL CHILDREN
            41                     994.  ALL GRANDCHILDREN
            54                     995.  R's Sibling(s)
            76                     997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         15467                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT017M3             WHO ARE BENEFFICIARIES -M3
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T017_[3]

         Who are the beneficiaries of [this policy/these policies]?
         
          CHOOSE all that apply

         .................................................................................
           366                 041-990.  Other Person Number
            55                     991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
             1                     993.  ALL CHILDREN
            13                     994.  ALL GRANDCHILDREN
             3                     995.  R's Sibling(s)
            16                     997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         16763                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT017M4             WHO ARE BENEFFICIARIES -M4
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T017_[4]

         Who are the beneficiaries of [this policy/these policies]?
         
          CHOOSE all that apply

         .................................................................................
           113                 041-990.  Other Person Number
            16                     991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
                                   993.  ALL CHILDREN
             1                     994.  ALL GRANDCHILDREN
                                   995.  R's Sibling(s)
             8                     997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17079                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT017M5             WHO ARE BENEFFICIARIES -M5
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T017_[5]

         Who are the beneficiaries of [this policy/these policies]?
         
          CHOOSE all that apply

         .................................................................................
            45                 041-990.  Other Person Number
             7                     991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
             1                     993.  ALL CHILDREN
             1                     994.  ALL GRANDCHILDREN
                                   995.  R's Sibling(s)
             1                     997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17162                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT017M6             WHO ARE BENEFFICIARIES -M6
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T017_[6]

         Who are the beneficiaries of [this policy/these policies]?
         
          CHOOSE all that apply

         .................................................................................
            10                 041-990.  Other Person Number
             2                     991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
                                   993.  ALL CHILDREN
                                   994.  ALL GRANDCHILDREN
                                   995.  R's Sibling(s)
                                   997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17205                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT017M7             WHO ARE BENEFFICIARIES -M7
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T017_[7]

         Who are the beneficiaries of [this policy/these policies]?
         
          CHOOSE all that apply

         .................................................................................
             2                 041-990.  Other Person Number
             1                     991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
                                   993.  ALL CHILDREN
                                   994.  ALL GRANDCHILDREN
                                   995.  R's Sibling(s)
                                   997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17214                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT017M8             WHO ARE BENEFFICIARIES -M8
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T017_[8]

         Who are the beneficiaries of [this policy/these policies]?
         
          CHOOSE all that apply

         .................................................................................
                               041-990.  Other Person Number
                                   991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
                                   993.  ALL CHILDREN
                                   994.  ALL GRANDCHILDREN
                                   995.  R's Sibling(s)
                                   997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17217                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT018               R HAVE WHOLE/STRAIGHT LIFE INS POLICIES
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.LifeInsurance.T018_

         [Is this a life insurance policy that builds/Are any of these life insurance
         policies ones that build] up a cash value that you can borrow against, or that
         you would receive if the policy were to be cancelled?
         
         Def: (These are sometimes called 'Whole Life' or 'Straight Life Policies.')

         .................................................................................
          4426           1.  YES
          5328           5.  NO
           813           8.  DK (Don't Know); NA (Not Ascertained)
            65           9.  RF (Refused)
          6585       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 

         
IF T018_ = YES 

         
IF T012_ <> One 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT019               HOW MANY WHOLE/STRAIGHT LIFE INS POLICY
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.LifeInsurance.T019_

         (How many such policies do you have?)

         .................................................................................
          1140           1.  ONE
           732           2.  TWO
           217           3.  THREE
            66           4.  FOUR
            46           5.  FIVE OR MORE
            42           8.  DK (Don't Know); NA (Not Ascertained)
            19           9.  RF (Refused)
         14955       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 

         
IF T018_ = YES 

         
IF T012_ <> One 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT020               CURR FACE VALUE OF WHOLE LIFE INS POLICY
         Section: T     Level: Respondent      Type: Numeric    Width: 7   Decimals: 0
         Ref: SecT.LifeInsurance.T020_

         What is the current face value of [these policies/this policy]?
         
          Do not probe DK/RF
         
         Amount:

         .................................................................................

         -----------------------------------------------------------------
              N      Min         Max          Mean            SD    Miss
           1690        0     8000000      71871.39     258727.88   14957
         -----------------------------------------------------------------
           452     9999998.  DK (Don't Know); NA (Not Ascertained)
           118     9999999.  RF (Refused)


==========================================================================================


         ASSIGN: 
T021_ :=  EMPTY:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 
         
IF T018_ = YES 
         
IF T012_ <> One 
         
IF T020_ <> EMPTY AND T020_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT021               CURR FACE VALUE OF LIFE INS - MIN
         Section: T     Level: Respondent      Type: Numeric    Width: 7   Decimals: 0
         Ref: SecT.LifeInsurance.T021_

         T021-T023 Unfolding Sequence
         Question text: Does it amount to less than $____ , more than $____ , or what?
         
         PROCEDURES: 3Up, 2Up1Down, 1Up2Down
         BREAKPOINTS:  $2,500, $25,000, $50,000, $250,000
         RANDOM ENTRY POINTS:  $2,500, $25,000, $50,000
         ENTRY POINT ASSIGNMENT 1 or 2 or {NOT 1 and NOT 2} AT Z087
         ORDER OF ENTRY POINT ASSIGNMENTS AND PROCEDURES CORRESPOND

         .................................................................................
           272           0.  Value of Breakpoint
            11        2500.  Value of Breakpoint
           134        2501.  Value of Breakpoint
            23       25000.  Value of Breakpoint
            59       25001.  Value of Breakpoint
            16       50000.  Value of Breakpoint
            42       50001.  Value of Breakpoint
             2      250000.  Value of Breakpoint
            11      250001.  Value of Breakpoint
         16647       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASSIGN: 
T022_ :=  EMPTY:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 
         
IF T018_ = YES 
         
IF T012_ <> One 
         
IF T020_ <> EMPTY AND T020_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT022               CURR FACE VALUE OF LIFE INS - MAX
         Section: T     Level: Respondent      Type: Numeric    Width: 10  Decimals: 0
         Ref: SecT.LifeInsurance.T022_

         .................................................................................
            28        2499.  Value of Breakpoint
            11        2500.  Value of Breakpoint
           133       24999.  Value of Breakpoint
            23       25000.  Value of Breakpoint
            51       49999.  Value of Breakpoint
            16       50000.  Value of Breakpoint
            37      249999.  Value of Breakpoint
             2      250000.  Value of Breakpoint
           269    99999996.  Greater than Maximum Breakpoint
         16647       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASSIGN: 
T023_ :=  EMPTY:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 
         
IF T018_ = YES 
         
IF T012_ <> One 
         
IF T020_ <> EMPTY AND T020_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT023               CURR FACE VALUE OF LIFE INS - RESULT
         Section: T     Level: Respondent      Type: Numeric    Width: 2   Decimals: 0
         Ref: SecT.LifeInsurance.T023_

         .................................................................................
           163          98.  DK (Don't Know); NA (Not Ascertained)
           110          99.  RF (Refused)
         16944       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 

         
IF T018_ = YES 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT024               TOTAL AMT R PAY FOR LIFE INS POLICIES
         Section: T     Level: Respondent      Type: Numeric    Width: 5   Decimals: 0
         Ref: SecT.LifeInsurance.T024_

         (Altogether,) about how much in total do you pay for [these policies/this
         policy] each month or year?
         
          ENTER 0 If paid up or no premium payments
         
         Amount:
         
         Per:

         .................................................................................
          3927                 0-70000.  Actual Value
           383                   99998.  DK (Don't Know); NA (Not Ascertained)
           116                   99999.  RF (Refused)
         12791                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASSIGN: 
T026_ :=  EMPTY:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 
         
IF T018_ = YES 
         
IF T024_ <> EMPTY AND T024_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT026               TOTAL AMT R PAY FOR LIFE INS POLIC - MIN
         Section: T     Level: Respondent      Type: Numeric    Width: 5   Decimals: 0
         Ref: SecT.LifeInsurance.T026_

         T026-T028 Unfolding Sequence
         Question text: Does it amount to less than $____ per month, more than $____ per
         month, or what?
         
         PROCEDURES: 2Up2Down, 1Up3Down
         BREAKPOINTS: $20, $50, $100, $200, $400
         RANDOM ENTRY POINTS: $100, $200
         ENTRY POINT ASSIGNMENT 1 or {NOT 1} AT X501
         ORDER OF ENTRY POINT ASSIGNMENTS AND PROCEDURES CORRESPOND

         .................................................................................
           166           0.  Value of Breakpoint
             5          20.  Value of Breakpoint
            25          21.  Value of Breakpoint
            17          50.  Value of Breakpoint
            27          51.  Value of Breakpoint
            22         100.  Value of Breakpoint
           165         101.  Value of Breakpoint
            14         200.  Value of Breakpoint
            39         201.  Value of Breakpoint
             4         400.  Value of Breakpoint
            14         401.  Value of Breakpoint
         16719       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASSIGN: 
T027_ :=  EMPTY:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 
         
IF T018_ = YES 
         
IF T024_ <> EMPTY AND T024_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT027               TOTAL AMT R PAY FOR LIFE INS POLIC - MAX
         Section: T     Level: Respondent      Type: Numeric    Width: 10  Decimals: 0
         Ref: SecT.LifeInsurance.T027_

         .................................................................................
            11          19.  Value of Breakpoint
             5          20.  Value of Breakpoint
            30          49.  Value of Breakpoint
            17          50.  Value of Breakpoint
            37          99.  Value of Breakpoint
            22         100.  Value of Breakpoint
            40         199.  Value of Breakpoint
            14         200.  Value of Breakpoint
            28         399.  Value of Breakpoint
             4         400.  Value of Breakpoint
           290    99999996.  Greater than Maximum Breakpoint
         16719       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASSIGN: 
T028_ :=  EMPTY:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 
         
IF T018_ = YES 
         
IF T024_ <> EMPTY AND T024_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT028               TOTAL AMT R PAY FOR LIFE INS POLIC - RES
         Section: T     Level: Respondent      Type: Numeric    Width: 2   Decimals: 0
         Ref: SecT.LifeInsurance.T028_

         .................................................................................
             1          97.  OTHER (SPECIFY)
           187          98.  DK (Don't Know); NA (Not Ascertained)
           113          99.  RF (Refused)
         16916       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 

         
IF T018_ = YES 

         
IF (T024_ > 0) AND (T024_ = RESPONSE) 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT025               TOTAL AMT R PAY FOR LIFE INS - PER
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.LifeInsurance.T025_

         (Altogether, about how much in total do you pay for [these policies/this policy]
         each month or year?)
         
         Amount: [TOTAL AMT R PAY FOR LIFE INS POLICIES]
         
         Per:

         .................................................................................
          2004           1.  MONTH
           871           2.  YEAR
         14342       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT029M1             WHO ARE BENEFICIARIES OF THESE INS -M1
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T029_[1]

         Who are the beneficiaries of [these policies/this policy]?
         
          CHOOSE all that apply

         .................................................................................
           376                 041-990.  Other Person Number
          1440                     991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
           285                     993.  ALL CHILDREN
             5                     994.  ALL GRANDCHILDREN
            29                     995.  R's Sibling(s)
            96                     997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
             8                     998.  DK (Don't Know); NA (Not Ascertained)
            21                     999.  RF (Refused)
         14957                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT029M2             WHO ARE BENEFICIARIES OF THESE INS -M2
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T029_[2]

         Who are the beneficiaries of [these policies/this policy]?
         
          CHOOSE all that apply

         .................................................................................
           225                 041-990.  Other Person Number
            30                     991.  R'S SPOUSE/PARTNER
             1                     992.  DECEASED CHILD
           134                     993.  ALL CHILDREN
            13                     994.  ALL GRANDCHILDREN
            13                     995.  R's Sibling(s)
            19                     997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         16782                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT029M3             WHO ARE BENEFICIARIES OF THESE INS -M3
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T029_[3]

         Who are the beneficiaries of [these policies/this policy]?
         
          CHOOSE all that apply

         .................................................................................
            84                 041-990.  Other Person Number
            24                     991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
             1                     993.  ALL CHILDREN
             4                     994.  ALL GRANDCHILDREN
             1                     995.  R's Sibling(s)
             4                     997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17099                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT029M4             WHO ARE BENEFICIARIES OF THESE INS -M4
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T029_[4]

         Who are the beneficiaries of [these policies/this policy]?
         
          CHOOSE all that apply

         .................................................................................
            22                 041-990.  Other Person Number
            12                     991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
                                   993.  ALL CHILDREN
             1                     994.  ALL GRANDCHILDREN
                                   995.  R's Sibling(s)
             2                     997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17180                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT029M5             WHO ARE BENEFICIARIES OF THESE INS -M5
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T029_[5]

         Who are the beneficiaries of [these policies/this policy]?
         
          CHOOSE all that apply

         .................................................................................
            12                 041-990.  Other Person Number
             3                     991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
                                   993.  ALL CHILDREN
             1                     994.  ALL GRANDCHILDREN
                                   995.  R's Sibling(s)
                                   997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17201                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT029M6             WHO ARE BENEFICIARIES OF THESE INS -M6
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T029_[6]

         Who are the beneficiaries of [these policies/this policy]?
         
          CHOOSE all that apply

         .................................................................................
             2                 041-990.  Other Person Number
                                   991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
                                   993.  ALL CHILDREN
                                   994.  ALL GRANDCHILDREN
                                   995.  R's Sibling(s)
                                   997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17215                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT029M7             WHO ARE BENEFICIARIES OF THESE INS -7
         Section: T     Level: Respondent      Type: Character  Width: 3   Decimals: 0
         Ref: SecT.LifeInsurance.T029_[7]

         Who are the beneficiaries of [these policies/this policy]?
         
          CHOOSE all that apply

         .................................................................................
                               041-990.  Other Person Number
                                   991.  R'S SPOUSE/PARTNER
                                   992.  DECEASED CHILD
                                   993.  ALL CHILDREN
                                   994.  ALL GRANDCHILDREN
                                   995.  R's Sibling(s)
                                   997.  OTHER (SPECIFY); including churches, charitable
                                         organizations, ex-spouses and other persons not
                                         on list for this question
                                   998.  DK (Don't Know); NA (Not Ascertained)
                                   999.  RF (Refused)
         17217                   Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT031               LAST WAVE OBTAIN NEW LIFE INSURANCE
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.LifeInsurance.T031_

         [Since PREV WAVE FAMILY IW MONTH, [PREV WAVE FIRST R IW YEAR]/In the last two
         years], have you obtained any new life insurance policies?

         .................................................................................
           421           1.  YES
         10177           5.  NO
            21           8.  DK (Don't Know); NA (Not Ascertained)
            13           9.  RF (Refused)
          6585       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 

         
IF NOT ((T031_ = NO) OR T031_ = NONRESPONSE) 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT032               FACE VALUE NEW LIFE INSURANCE
         Section: T     Level: Respondent      Type: Numeric    Width: 7   Decimals: 0
         Ref: SecT.LifeInsurance.T032_

         What is the total face value of (this policy/all of these policies)?
         
          Do not probe DK/RF
         
         Amount:

         .................................................................................

         -----------------------------------------------------------------
              N      Min         Max          Mean            SD    Miss
            377        1     3500000     101809.40     272210.32   16796
         -----------------------------------------------------------------
            25     9999998.  DK (Don't Know); NA (Not Ascertained)
            19     9999999.  RF (Refused)


==========================================================================================


         ASSIGN: 
T033_ :=  EMPTY:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 
         
IF NOT ((T031_ = NO) OR T031_ = NONRESPONSE) 
         
IF T032_ <> EMPTY AND T032_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT033               FACE VALUE NEW LIFE INSURANCE - MIN
         Section: T     Level: Respondent      Type: Numeric    Width: 10  Decimals: 0
         Ref: SecT.LifeInsurance.T033_

         T033-T035 Unfolding Sequence
         Question text: Does it amount to less than $____ , more than $____ , or what?
         
         PROCEDURE: 2Up1Down
         BREAKPOINTS: $2,500, $25,000, $50,000, $250,000
         ENTRY POINT: $25,000

         .................................................................................
            26           0.  Value of Breakpoint
             7        2501.  Value of Breakpoint
             2       25000.  Value of Breakpoint
             6       25001.  Value of Breakpoint
             1       50000.  Value of Breakpoint
             1      250001.  Value of Breakpoint
         17174       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASSIGN: 
T034_ :=  EMPTY:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 
         
IF NOT ((T031_ = NO) OR T031_ = NONRESPONSE) 
         
IF T032_ <> EMPTY AND T032_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT034               FACE VALUE NEW LIFE INSURANCE - MAX
         Section: T     Level: Respondent      Type: Numeric    Width: 10  Decimals: 0
         Ref: SecT.LifeInsurance.T034_

         .................................................................................
             7       24999.  Value of Breakpoint
             2       25000.  Value of Breakpoint
             6       49999.  Value of Breakpoint
             1       50000.  Value of Breakpoint
            27    99999996.  Greater than Maximum Breakpoint
         17174       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASSIGN: 
T035_ :=  EMPTY:

IF NOT ((T011_ = NO) OR T011_ = NONRESPONSE) 
         
IF NOT ((T031_ = NO) OR T031_ = NONRESPONSE) 
         
IF T032_ <> EMPTY AND T032_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT035               FACE VALUE NEW LIFE INSURANCE - RESULT
         Section: T     Level: Respondent      Type: Numeric    Width: 2   Decimals: 0
         Ref: SecT.LifeInsurance.T035_

         .................................................................................
             1          97.  OTHER (SPECIFY)
             9          98.  DK (Don't Know); NA (Not Ascertained)
            17          99.  RF (Refused)
         17190       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LT036               R LIFE INS POLICY LAPSE SINCE LAST WAVE
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.LifeInsurance.T036_

         [Since PREV WAVE FAMILY IW MONTH, [PREV WAVE FIRST R IW YEAR]/In the last two
         years], have you allowed any life insurance policies to lapse or have any been
         cancelled?

         .................................................................................
           696           1.  YES
         16340           5.  NO
            94           8.  DK (Don't Know); NA (Not Ascertained)
            64           9.  RF (Refused)
            23       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T036_ = NO) OR T036_ = NONRESPONSE) 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT037               FACE VAL LAPSED LIFE INS P0LICY
         Section: T     Level: Respondent      Type: Numeric    Width: 7   Decimals: 0
         Ref: SecT.LifeInsurance.T037_

         What was the total face value of (this policy/all of these policies)?
         
          Do not probe DK/RF
         
         Amount:

         .................................................................................

         -----------------------------------------------------------------
              N      Min         Max          Mean            SD    Miss
            597        0     3000000      94776.63     223950.31   16521
         -----------------------------------------------------------------
            84     9999998.  DK (Don't Know); NA (Not Ascertained)
            15     9999999.  RF (Refused)


==========================================================================================


         ASSIGN: 
T038_ :=  EMPTY:

IF NOT ((T036_ = NO) OR T036_ = NONRESPONSE) 
         
IF T037_ <> EMPTY AND T037_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT038               FACE VAL LAPSED LIFE INS P0LICY - MIN
         Section: T     Level: Respondent      Type: Numeric    Width: 10  Decimals: 0
         Ref: SecT.LifeInsurance.T038_

         T038-T040 Unfolding Sequence
         Question text: Does it amount to less than $____ , more than $____ , or what?
         
         PROCEDURE:  1Up2Down
         BREAKPOINTS:  $2,500, $25,000, $50,000, $250,000
         ENTRY POINT:  $50,000

         .................................................................................
            53           0.  Value of Breakpoint
             9        2500.  Value of Breakpoint
            13        2501.  Value of Breakpoint
             5       25000.  Value of Breakpoint
             5       25001.  Value of Breakpoint
             3       50000.  Value of Breakpoint
             8       50001.  Value of Breakpoint
             1      250000.  Value of Breakpoint
             1      250001.  Value of Breakpoint
         17119       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASSIGN: 
T039_ :=  EMPTY:

IF NOT ((T036_ = NO) OR T036_ = NONRESPONSE) 
         
IF T037_ <> EMPTY AND T037_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT039               FACE VAL LAPSED LIFE INS P0LICY - MAX
         Section: T     Level: Respondent      Type: Numeric    Width: 10  Decimals: 0
         Ref: SecT.LifeInsurance.T039_

         .................................................................................
             9        2499.  Value of Breakpoint
             9        2500.  Value of Breakpoint
            17       24999.  Value of Breakpoint
             5       25000.  Value of Breakpoint
             7       49999.  Value of Breakpoint
             3       50000.  Value of Breakpoint
             7      249999.  Value of Breakpoint
             1      250000.  Value of Breakpoint
            40    99999996.  Greater than Maximum Breakpoint
         17119       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASSIGN: 
T040_ :=  EMPTY:

IF NOT ((T036_ = NO) OR T036_ = NONRESPONSE) 
         
IF T037_ <> EMPTY AND T037_ <> NONRESPONSE 
         
 

         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT040               FACE VAL LAPSED LIFE INS P0LICY - RESULT
         Section: T     Level: Respondent      Type: Numeric    Width: 10  Decimals: 0
         Ref: SecT.LifeInsurance.T040_

         .................................................................................
             1          97.  OTHER (Specify)
            31          98.  DK (Don't Know); NA (Not Ascertained)
            14          99.  RF (Refused)
         17171       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T036_ = NO) OR T036_ = NONRESPONSE) 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT041               WHO LET LIFE INS POLICY LAPSE
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.LifeInsurance.T041_

         Was this lapse or cancellation something you chose to do, or was it done by the
         provider, your employer, or someone else?

         .................................................................................
           514           1.  R'S CHOICE
           177           2.  PROVIDER/EMPLOYER/SOMEONE ELSE CHOICE
             4           8.  DK (Don't Know); NA (Not Ascertained)
             1           9.  RF (Refused)
         16521       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T036_ = NO) OR T036_ = NONRESPONSE) 

         
IF T041_ <> ProveREmpElseChose 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT042               WHY LET LIFE INS POLICY LAPSE
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.LifeInsurance.T042_

         Was it because the policy was too expensive, because you did not need the
         coverage or some other reason?

         .................................................................................
           259           1.  TOO EXPENSIVE
           115           2.  COVERAGE NOT NEEDED
            26           3.  R GOT NEW POLICY
            39           4.  TAKE THE CASH OUT
            10           5.  Coverage connected with job, or R moved
            58           7.  OTHER (SPECIFY); general or specific dissatisfaction with
                             plan
             8           8.  DK (Don't Know); NA (Not Ascertained)
             4           9.  RF (Refused)
         16698       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T036_ = NO) OR T036_ = NONRESPONSE) 

         
IF T041_ <> ProveREmpElseChose 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT043               R RECD CASH AFTER POLICY CANCEL OR LAPSE
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.LifeInsurance.T043_

         Did you receive any cash when the policy was cancelled or allowed to lapse?

         .................................................................................
           153           1.  YES
           363           5.  NO
             2           8.  DK (Don't Know); NA (Not Ascertained)
             1           9.  RF (Refused)
         16698       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


         ASK:

IF NOT ((T036_ = NO) OR T036_ = NONRESPONSE) 

         
IF T041_ <> ProveREmpElseChose 

         
IF NOT ((T043_ = NO) OR T043_ = NONRESPONSE) 

         
 


         - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
LT044               AMT RECD AFTER R POLICY CANCEL OR LAPSE
         Section: T     Level: Respondent      Type: Numeric    Width: 7   Decimals: 0
         Ref: SecT.LifeInsurance.T044_

         About how much cash did you receive?
         
         Amount:

         .................................................................................

         -----------------------------------------------------------------
              N      Min         Max          Mean            SD    Miss
            134       20      209000       8378.33      20139.43   17064
         -----------------------------------------------------------------
            16     9999998.  DK (Don't Know); NA (Not Ascertained)
             3     9999999.  RF (Refused)


==========================================================================================


LT047               ASSIST SECTION T - WILLS AND TRUSTS
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0
         Ref: SecT.T047_AssistT

         How often did R receive assistance with answers in section T - Wills and Trusts?

         .................................................................................
         16534           1.  NEVER
           365           2.  A FEW TIMES
           215           3.  MOST OR ALL OF THE TIME
            80           4.  THE SECTION WAS DONE BY A PROXY REPORTER
            23       Blank.  INAP (Inapplicable); Partial Interview


==========================================================================================


LVDATE              2008 DATA MODEL VERSION
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0

         User Note:  This variable identifies which data model was used to interview the
         household.  Please reference the data description for a summary of changes in
         each data model.

         .................................................................................
          2432           1.  Version 1
          3407           2.  Version 2
          3102           3.  Version 3
          8276           4.  Version 4


==========================================================================================


LVERSION            2008 DATA RELEASE VERSION
         Section: T     Level: Respondent      Type: Numeric    Width: 1   Decimals: 0

         .................................................................................
         17217           2.  HRS 2008 Final Release