TY  - GEN
AU  - Cummins, J. David 
AU  - Santomero, Anthony M.
TI  - Changes in the life insurance: industry efficiency technology and risk management
SN  - 0792385357
U1  - 368.3200973 
PY  - 1999///
CY  - Boston
PB  - Kluwer academic
KW  - Insurance
ER  -