The BCMA Term Life Insurance plan has introduced lower rates for nonsmokers and two new underwriting classes—Preferred and Elite. Members and their spouses who practise a healthy lifestyle are rewarded with lower premiums.
To be eligible for the Preferred or Elite class, you must be in very good health and lead a low-risk lifestyle, and your term life insurance coverage must be a minimum of $250 000. Through the normal medical underwriting process, other factors will also be examined, including:
• Tobacco use
• Physical build
• Cholesterol level
• Blood pressure
• Recreational activities
• Driving record
• Personal and family medical history
As an example, the accompanying tables illustrate the cost savings between the new and the standard rate classes for women and men, age 40.
To find out more about the new underwriting rate classes or to request an application, contact the BCMA Insurance Department.
—Sandie Braid, CEBS, BCMA Insurance
Above is the information needed to cite this article in your paper or presentation. The International Committee
of Medical Journal Editors (ICMJE) recommends the following citation style, which is the now nearly universally
accepted citation style for scientific papers:
Halpern SD, Ubel PA, Caplan AL, Marion DW, Palmer AM, Schiding JK, et al. Solid-organ transplantation in HIV-infected patients. N Engl J Med. 2002;347:284-7.
About the ICMJE and citation styles
The ICMJE is small group of editors of general medical journals who first met informally in Vancouver, British Columbia, in 1978 to establish guidelines for the format of manuscripts submitted to their journals. The group became known as the Vancouver Group. Its requirements for manuscripts, including formats for bibliographic references developed by the U.S. National Library of Medicine (NLM), were first published in 1979. The Vancouver Group expanded and evolved into the International Committee of Medical Journal Editors (ICMJE), which meets annually. The ICMJE created the Recommendations for the Conduct, Reporting, Editing, and Publication of Scholarly Work in Medical Journals to help authors and editors create and distribute accurate, clear, easily accessible reports of biomedical studies.
An alternate version of ICMJE style is to additionally list the month an issue number, but since most journals use continuous pagination, the shorter form provides sufficient information to locate the reference. The NLM now lists all authors.
BCMJ standard citation style is a slight modification of the ICMJE/NLM style, as follows:
- Only the first three authors are listed, followed by "et al."
- There is no period after the journal name.
- Page numbers are not abbreviated.
For more information on the ICMJE Recommendations for the Conduct, Reporting, Editing, and Publication of Scholarly Work in Medical Journals, visit www.icmje.org