Cita APA (7a ed.)

Cummins, J. D., & Santomero, A. M. (1999). Changes in the life insurance industry: Efficiency, technology and risk management. Kluwer Academic.

Cita Chicago Style (17a ed.)

Cummins, J. David, y Anthony M. Santomero. Changes in the Life Insurance Industry: Efficiency, Technology and Risk Management. Boston [etc.]: Kluwer Academic, 1999.

Cita MLA (9a ed.)

Cummins, J. David, y Anthony M. Santomero. Changes in the Life Insurance Industry: Efficiency, Technology and Risk Management. Kluwer Academic, 1999.