@article{ref1,
title="Conversion of mortality ratios to a numerical rating classification for life insurance underwriting. 1988",
journal="Journal of insurance medicine",
year="2004",
author="Singer, Richard B.",
volume="36",
number="3",
pages="234-241",
abstract="<p>[Abstract unavailable]</p><p>Language: en</p>",
language="en",
issn="0743-6661",
doi="",
url="http://dx.doi.org/"
}