\documentclass[12pt,a4paper]{article}
\usepackage[utf8]{inputenc}

%%%%%% Bibliography  
\usepackage[natbibapa]{apacite}
\setlength\bibhang{0.5in}
%%%%%% Bibliography  

%%%%%% Add your needed packages here
\usepackage{amsmath,amssymb,amsfonts,latexsym,physics,eurosym}
\usepackage{graphicx,graphics,xcolor}
\usepackage{tabularx,ragged2e,booktabs,caption}
\usepackage{makecell}
\usepackage{enumitem} %to control lists   
%%%%%% Add your needed packages here

%%%%%% References             
\usepackage[hidelinks]{hyperref}     % links need to be hidden 
\usepackage{cleveref}    
%%%%%% References  

%%%%%% Indents   
\usepackage{indentfirst}				% we use this to add an indent to every paragraph, even the one after a section heading
\setlength{\parindent}{1cm}          % the size of the indent 
%%%%%% Indents   
      
%%%%%% Fancy Headings
\usepackage[myheadings]{fullpage}
\usepackage{fancyhdr}
\pagestyle{fancy}
\fancyhf{}
\renewcommand{\headrulewidth}{0pt}
\fancyhead[L]{The Journal of Risk Management and Insurance}
\fancyhead[R]{Vol.~27 No.~1 (2023)}
\fancyfoot[C]{\thepage}
\fancypagestyle{plain}{%
 \fancyhf{}
 \renewcommand{\headrulewidth}{0pt}
 \fancyhead[L]{The Journal of Risk Management and Insurance}
 \fancyhead[R]{Vol.~27 No.~1 (2023)}
 \fancyfoot[C]{\thepage}
 }
%%%%%% Fancy Headings


\title{%\large
\textbf
{%\uppercase
A Capitalised Title of the Article}}
\author{\vspace{-5ex}}%removes default author
\date{\vspace{-5ex}%removes date
}


\begin{document}
\setcounter{page}{1}       % the editor will fill in this
\maketitle
\begin{center}
\vspace{-10mm}
\textbf{\large First Author}\\\medskip
\textit{University of Something, City, Country}\\
\url{email@address.edu}\\
\vspace{5mm}
\textbf{\large Second Author}\\\medskip
\textit{University of Something, City, Country}\\
\url{email@address.edu}\\
\vspace{5mm}

\end{center} 
%\vspace{4mm}
%\hrule
\begin{flushright}
Received: Month Date, Year\\ % the editor will fill in this
Revised: Month Date, Year\\  % the editor will fill in this
Accepted: Month Date, Year\\ % the editor will fill in this
\end{flushright}
\section*{Abstract}
\noindent {\sl Text of the abstract.}  \vspace{5mm}\\
\textbf{Keywords:} Capitalised Keywords, Comma Separated
\vspace{5mm}
%\hrule
\vspace{5mm}

\newpage  %the actual article starts on a new page

\section{Introduction}\label{intro}

The actual article starts on a new page. After every paragraph add an empty line using double backslash or `bigskip', so it will look like this.  \\

This is already the second paragraph. We use package `indentfirst' to add an indent to every paragraph, even the one after a section heading. \bigskip

This is the third paragraph. 


\subsection{Subsection}

Please do not use footnotes and bold text. Use {\sl slanted text} to highlight. Place figures and tables within the text, and centred, rather than in the appendix. Tables should look like this: %\\

\begin{table}[htbp]
  \centering
  \caption{A caption of the table.}\label{table}
    \begin{tabular}{ccccc}
    \midrule
    \midrule
    \multicolumn{1}{l}{Covariate} & Time  & Annual & Dow Jones & Unemployment \\
     & duration & premium & Index variation & rate \\
    \midrule
    \midrule
    Min   & 0.01  & -1.07 & -4.53 & 3.6 \\
    Mean  & 30.26 & \$560.88  & 0     & 5.18 \\
    Max   & 62.09 & 12.13 & 2.43  & 7.1 \\
    Std Dev. & 18.78 & \$526.59  & 0.05  & 0.68 \\
    \midrule
    \multicolumn{5}{c}{\sl Note: Tables should use horizontal lines as seen above, but not vertical lines.} \\
    \end{tabular}
\end{table}




\section*{References}\label{ref}

Use `apacite' as the bibliographystyle.


\bibliographystyle{apacite}
%\bibliography{addyourfilehere}



\end{document}
