a. Insuring clause
b. Free look (10-day, 20-day, etc.)
c. Consideration clause
d. Probationary (waiting) period
e. Elimination (waiting) period
f. Waiver of premium
g. Exclusions
h. Pre-existing conditions
i. Recurrent disability
j. Coinsurance
k. Deductibles
4. Riders
a. Impairment rider
b. Guaranteed insurability rider
c. Multiple indemnity rider (double, triple)
5. Rights of renewability
a. Noncancellable
b. Cancelable
c. Guaranteed renewable
d. Conditionally renewable
e. Optionally renewable
f. Period of time
D. Social insurance
1. Medicare
a. primary, secondary payor
b. Medicare and Choice
2. Medicaid
3. Social security benefits
4. Badger Care