<xsl:variable name="returnOfPremiumFlag" as="xs:string" select="PolicyHdr/PolicyCovHdr/PolicyCovHdrData/PolicyCovHdrData/CovOption"/>


<xsl:variable name="returnOfPremiumFlagValue”>
    <xsl:choose>
            <xsl:when test="$returnOfPremiumFlag='Preserve'">0</xsl:when>
            <xsl:when test="$returnOfPremiumFlag='ProOption'">1</xsl:when>
            <xsl:when test="$returnOfPremiumFlag='TriVysta'">0</xsl:when>
    </xsl:choose>
</xsl:variable>