@article{ref1,
title="Morbidity experience under personal accident and health insurance",
journal="Transactions of the Association of Life Insurance Medical Directors of America",
year="1954",
author="Horan, J. C.",
volume="37",
number="",
pages="217-236",
abstract="<p>[Abstract unavailable]</p><p>Language: en</p>",
language="en",
issn="0066-9598",
doi="",
url="http://dx.doi.org/"
}