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    2.   Optional provisions
      a.   Change of occupation
      b.   Misstatement of age
      c.   Illegal occupation
    3.   Other provisions and clauses
      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
  E.   Other insurance concepts
    1.   Total, partial, and residual disability
    2.   Owner’s rights
    3.   Dependent children benefits
    4.   Primary and contingent beneficiaries
    5.   Modes of premium payments (monthly, quarterly, annually, semiannual, etc.)
    6.   Nonduplication and coordination of benefits (e.g., primary vs. excess)
    7.   Occupational vs. nonoccupational
    8.   Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income, and medical expense, etc.)
     9.   Managed care
  F.   Field underwriting procedures
    1.   Completing application and obtaining necessary signatures
    2.   Explaining sources of insurability information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    3.   Upon payment of initial premium, giving prospect conditional receipt, and explaining the effect of that receipt (e.g., medical exam, etc.)
    4.   Submitting application (and initial premium, if collected) to company for underwriting
    5.   Assuring delivery of policy to client
    6.   Explaining policy and its provisions, riders, exclusions, and ratings to clients
    7.   In cases where initial premium did not accompany application, obtaining signed statement of continued good health, and obtaining premium for transmittal
    8.   Contract law
      a.   Requirements of a contract
      b.   Insurable interest
      c.   Warranties and representations
      d.   Unique aspects of the health contract
        (1) Conditional
        (2) Unilateral
        (3) Adhesion
V.   Wisconsin Health Insurance Law -- 3 Hours
  A.   General policy provisions
    1.   Right of return
    2.   Right of insurer to contest
    3.   Pre-existing conditions
    4.   Application responsibilities for accident and health
    5.   Grace periods
  B.   Mandated benefits
    1.   Handicapped children
    2.   Newborn children
    3.   Declined risks
    4.   Alcoholism, drug abuse, and mental and nervous disorders
    5.   Home health care
    6.   Skilled nursing care
    7.   Kidney disease treatment
    8.   Diabetes
    9.   Maternity benefits
    10.   Nurse practitioners
    11.   Optometrists
    12.   Chiropractic
    13.   Adopted children
    14.   Grandchildren
    15.   Mammograms
    16.   Lead screening
    17.   TMJ coverage
    18.   Hospital/anesthesia coverage for dental care
    19.   Breast reconstruction
  C.   Wisconsin Medicare supplements
  D.   Requirements of Medicare supplements
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Published under s. 35.93, Stats. Updated on the first day of each month. Entire code is always current. The Register date on each page is the date the chapter was last published.