Chapter Ins 2

LIFE INSURANCE

Ins 2.01   Estoppel by report of medical examiner.

Ins 2.03   Policies not dated back to lower insurance age.

Ins 2.05   Separate statement of premiums for certain disability insurance benefits included in life or endowment insurance policies.

Ins 2.07   Replacement of life insurance or annuity contracts; disclosure requirements.

Ins 2.08   Special policies and provisions; prohibitions, regulations, and disclosure requirements.

Ins 2.09   Separate and distinct representations of life insurance.

Ins 2.12   Exceptions to unfair discrimination.

Ins 2.13   Separate accounts and variable contracts.

Ins 2.14   Life insurance solicitation.

Ins 2.15   Annuity benefit solicitations.

Ins 2.16   Advertisements of and deceptive practices in life insurance and annuities.

Ins 2.17   Life insurance illustrations.

Ins 2.18   Life settlement contracts.

Ins 2.19   Military sales practices.

Ins 2.20   Unisex nonforfeiture values in certain life insurance policies.

Ins 2.30   Annuity mortality tables.

Ins 2.35   Smoker and nonsmoker mortality tables for minimum reserve liabilities and minimum nonforfeiture benefits.

Ins 2.40   Annuity contracts without life contingencies.

Ins 2.45   Charitable organizations; insurable interest.

Ins 2.80   Valuation of life insurance policies.

Ins 2.81   Recognition of the 2001 CSO mortality table for use in determining minimum reserve liabilities and nonforfeiture benefits.

Ins 2.01 Ins 2.01 Estoppel by report of medical examiner. No company or fraternal benefit society shall issue in this state a contract, based on a medical examination, providing for disability benefits, the provisions of which are in conflict with ss. 632.50 and 632.71, Stats., or shall indulge in any practice which is at variance with said section.

Ins 2.01 History History: 1-2-56; emerg. am. eff. 6-22-76; am. Register, September, 1976, No. 249, eff. 10-1-76.

Ins 2.03 Ins 2.03 Policies not dated back to lower insurance age.

Ins 2.03(1) (1) No company shall issue for delivery in this state any policy or contract of life insurance which purports to be issued or take effect as of a date more than 6 months before the application therefor was made, if thereby the premium on such policy or contract is reduced below the premium which would be payable thereon as determined by the nearest birthday of the insured at the time when such application was made. The date of application must be considered to be the date on which the application (Part I) or the medical examination (Part II) is completed, whichever is the later.