Hi Peter,
If I understand you correctly, you want to add all SD records to BM table w/o creating duplicates. I also assume that you have a primary key field ID in BD table. If don't than it can be created with one more select

SELECT *, RECNO() AS Id ;
  FROM bmdata INTO CURSOR cursBM

See my corrections and additions below

>** read EXACT matches
>select * from bmdata left join sddmdata ;
>  on left(&bmzip,5)=left(sddmdata.sdzip,5) ;
>  where !empty(trim(sddmdata.sdaddr)) and ;
>        upper(trim(&bmlname))=upper(trim(sddmdata.sdlname)) and ;
>        upper(trim(&bmaddr))=upper(trim(sddmdata.addr)) ;
  into cursor cursExact
>
>** read PROBABLE matches
>select * from bmdata left join sddmdata ;
>  on left(&bmzip,5)=left(sddmdata.sdzip,5) ;
>  where !empty(trim(sddmdata.sdaddr)) and ;
>        upper(trim(&bmaddr))=upper(trim(sddmdata.addr)) ;
     <b>And Id Not In (Select Id From cursExact)</b> ;
  into cursor cursProb
>
>** read POSSIBLE matches
>select * from bmdata left join sddmdata ;
>  on left(&bmzip,5)=left(sddmdata.sdzip,5) ;
>  where !empty(trim(sddmdata.sdaddr)) and ;
>        val(trim(&bmaddr))=val(trim(sddmdata.addr)) 
     <b>And Id Not In (Select Id From cursExact)</b> ;
     <b>And Id Not In (Select Id From cursProb)</b> ;
   into cursor cursPoss

<b>SELECT * ;
  FROM bmdata ;
  WHERE ;
     Id Not In (Select Id From cursExact) ;
       And Id Not In (Select Id From cursProb) ;
       And Id Not In (Select Id From cursPoss) ;
   into cursor cursNewBD</b>

Now you can add all records from SD to the records in the cursor cursNewB.