@article{ref1,
title="Substandard accident and sickness insurance",
journal="Transactions of the Association of Life Insurance Medical Directors of America",
year="1956",
author="Scoins, W. H.",
volume="39",
number="",
pages="47-56; discussion, 56",
abstract="<p>[Abstract unavailable]</p><p>Language: en</p>",
language="en",
issn="0066-9598",
doi="",
url="http://dx.doi.org/"
}