Ins 6.51(7m)(d)
(d) Deductibles and waiting periods. The succeeding insurer, in applying any deductibles or waiting periods contained in its group policy, including pre-existing condition waiting periods, shall give credit for the satisfaction or partial satisfaction of the same or similar provisions under the prior group policy, to the extent that the prior and succeeding group policies provide similar coverage. Deductible provision credit shall be given for the same or overlapping benefit periods for expenses incurred and applied against the deductible provisions of the prior group policy during the 90 days preceding the effective date of the succeeding group policy, but only to the extent that these expenses are recognized under the succeeding group policy and are subject to a similar deductible provision.
Ins 6.51(7m)(e)
(e) Determination of prior insurer's coverage. Where a determination of the prior insurer's coverage is required by the succeeding insurer, the prior insurer, at the succeeding insurer's request, shall furnish a statement of the coverage available and a copy of pertinent group policy provisions to permit the succeeding insurer to verify the coverage statement or make its own coverage determination. Coverage of the prior group policy shall be determined in accordance with the definitions, conditions and covered expense provisions of that group policy rather than those of the succeeding group policy. The coverage determination shall be made as if coverage had not been replaced by the succeeding insurer.
Ins 6.51(8)
(8) More favorable provisions permitted. This section sets out minimum requirements. It does not prohibit a group policyholder and an insurer from agreeing to policy provisions which are more favorable to insured persons.
Ins 6.51(9)
(9) Effective date. As provided in s.
227.22, Stats., this section shall take effect on the first day of the month following its publication.
Ins 6.51 History
History: Cr.
Register, October, 1972, No. 202, eff. 11-1-72; emerg. am. (1) and (2), eff. 6-22-76; am. (1) and (2),
Register, September, 1976, No. 249, eff. 10-1-76; am. (1), (2) and (7) (c),
Register, March, 1979, No. 279, eff. 4-1-79; r. and recr.,
Register, March 1982, No. 315, eff. 4-1-82; am. (2),
Register, April, 1988, No. 388, eff. 5-1-88; corrections in (7) made under s. 13.93 (2m) (b) 1. and 7., Stats.,
Register, June, 1997, No. 498; corrections in (3) (a) and (9) made under s. 13.93 (2m) (b) 7., Stats.,
Register, February, 2000, No. 530; corrections in (7m) (b) (intro.), 3. a. and (c) (intro.) made under s. 13.93 (2m) (b) 7., Stats.,
Register October 2006 No. 610.
Ins 6.52
Ins 6.52
Biographical data relating to company officers and directors. Ins 6.52(1)(1)
Purpose. This rule is intended to implement and interpret ss.
611.13 (2),
611.54 (1) (a),
611.57,
618.11 (4) and
618.21 (1) (b), Stats., for the purpose of setting standards for the reporting of biographical data relating to company officers, directors, promoters and incorporators, or other persons similarly situated.
Ins 6.52(2)
(2) Scope. This rule shall apply to all persons proposing to form an insurer under the laws of this state and to all nondomestic insurers applying for admission to this state and to all insurers authorized to do business in this state except as follows:
Ins 6.52(2)(c)
(c) Nonprofit service plans, cooperative sickness care plans organized or operating under ss.
185.981 to
185.985, Stats., voluntary benefit plans organized or operating under s.
185.991, 1977 Stats., and motor club service companies organized or operating under ss.
616.71 to
616.74 and
616.76 to
616.82, Stats., and donor annuity societies.
Ins 6.52(3)
(3) Report of organization of a domestic insurer or admission of a nondomestic insurer. Biographical information in form and substance substantially in accordance with Form A, shown at the end of this rule, shall be furnished to the commissioner of insurance by all promoters, incorporators, directors, trustees and principal officers or proposed directors and principal officers, as the case may be, of an insurer being organized or of an insurer applying for admission. Financial and character reports of any such persons may be ordered by the commissioner and the cost or expense of such reports shall be paid by the incorporators as an organization expense or by the insurer applying for admission.
Ins 6.52(4)
(4) Definition. The term “officer" as used in this rule shall include the president, one or more vice presidents, secretary, treasurer, chief actuary, general counsel, comptroller and any person, however described, who enjoys in fact the executive authority of any such officers.
Ins 6.52(5)
(5) Reporting with respect to new officers and directors subsequent to organization or admission. A report shall be provided by each domestic insurer to which this rule applies with respect to the appointment or election of any new director, trustee or officer elected or appointed within 15 days after such appointment or election. Such report shall be prepared by the company in form and substance substantially in accordance with Form A, shown at the end of this rule.
Ins 6.52(6)
(6) Subsequent reports. When such a report has been provided to the commissioner by a company in accordance with subs.
(3) and
(5) of this rule, no further report concerning subsequent changes in his or her status as an officer or director of such company need be reported to the commissioner provided, however, the company shall promptly report to the commissioner any information concerning the conviction of an officer or director for a felony or the naming of a director, trustee or officer, other than as a party plaintiff or complainant, in any criminal action or in a civil action in which fraud was an issue.
Ins 6.52(7)
(7) Additional information. The commissioner may request from any company such additional information with respect to any of its officers or directors as he or she may deem necessary and such request shall be promptly complied with by the company to which such request is directed.
FORM A
STATEMENT OF EDUCATION, PRIOR OCCUPATION,
BUSINESS EXPERIENCE AND SUPPLEMENTARY
INFORMATION
STATE OF :ss:
COUNTY OF :
The undersigned, being first duly sworn upon oath deposes and says:
1. The affiant's full name is (initials not acceptable):
2. The affiant's official title and principal duties with the insurance company is or will be:
3. The affiant's business address is:
Telephone: __________
4. The affiant's residence address is:
Telephone: __________
5. The affiant's age is:
Sex
Birthplace
Birthdate Social Security No.
6. The affiant was never known by any other name(s) other than that shown above, except as follows (state such other name(s), when used, reason for change, and date of adoption of present name):
7. The affiant will subscribe to or owns, beneficially or of record the following amount of shares of stock of the insurance company and the consideration given for same:
8. The affiant states that his or her capital investment in the insurance company was not obtained from borrowed funds, except as follows:
9. The nature and tenure of each occupation or employment of the affiant for the last ten years prior to the date of this statement is as follows (present a continuous schedule, including time spent at educational institutions, and period of employment):
-
See PDF for table 
10. The affiant's educational history is as follows (include all schools attended of the college or graduate level):
-
See PDF for table
11. The affiant has never been convicted of a felony, except as follows:
12. The affiant has never been named in a criminal or civil action in which fraud was an issue, except as follows:
13. The affiant is not an officer or director and has no other relationship with any other insurer which has the effect of lessening competition substantially or in which such insurers have material adverse interests except as follows:
(Signature of Affiant)
Subscribed and sworn before me,
a Notary Public, this day of , 2 ,
Notary Public
(SEAL)
My commission expires:
Ins 6.52 History
History: Cr.
Register, June, 1973, No. 210, eff. 7-1-73; emerg. r. (2) (a), eff. 6-22-76; r. (2) (a),
Register, September, 1976, No. 249, eff. 10-1-76; am. (2) (c),
Register, March, 1979, No. 279, eff. 4-1-79; am. (5),
Register, March, 1981, No. 303, eff. 4-1-81;
CR 17-015: am. (5), r. Form B
Register December 2017 No. 744, eff. 1-1-18.
Ins 6.54
Ins 6.54
Prohibited classification of risks for rating purposes. Ins 6.54(2)
(2) Scope. This rule applies to all contracts issued, renewed or amended in Wisconsin affording automobile insurance coverage and all contracts issued, renewed or amended in Wisconsin affording coverage for loss or damage to real property used for residential purposes for not more than 4 living units or affording coverage for loss or damage to personal property used for residential purposes.
Ins 6.54(3)(a)
(a) No insurance company shall refuse, cancel or deny insurance coverage to a class of risks solely on the basis of any of the following factors (taken individually or in combination), nor shall it place a risk in a rating classification on the basis of any of the following factors without credible information supporting such a classification and demonstrating that it equitably reflects differences in past or expected losses and expenses and unless such information is filed in accordance with ss.
625.12,
625.13 and
625.21 (2), Stats.:
Ins 6.54(3)(b)
(b) Nothing in par.
(a) shall be construed as including within the definition of prohibited practices any of the following:
Ins 6.54(3)(b)1.
1. Denying, cancelling or non-renewing the automobile or property insurance of a person convicted of an offense if the offense which resulted in the conviction is directly related to the risk to be insured;
Ins 6.54(3)(b)2.
2. Establishing a classification system merely for the purpose of developing statistical data;
Ins 6.54(3)(b)3.
3. Underwriting only the class of risks which are specified in the insurer's articles of incorporation;
Ins 6.54(3)(b)4.
4. Establishing a rate based on the record of all drivers of an insured automobile;
Ins 6.54(3)(b)5.
5. Establishing a rate based on the number of people residing in a household.
Ins 6.54(3)(d)
(d) No insurer shall require an applicant or insured to undergo a physical examination to obtain or continue coverage unless the cost of such physical examination is borne by the insurer.
Ins 6.54(4)
(4) Penalty. Violation of this rule may subject the insurer to the penalties set forth in s.
601.64, Stats.
Ins 6.54 History
History: Cr.
Register, March, 1976, No. 243, eff. 4-1-76; emerg. am. (1) and (3) (c), eff. 6-22-76; am. (1) and (3) (c),
Register, September, 1976, No. 249, eff. 10-1-76; am. (3) (a) 2.,
Register, April, 1977, No. 256, eff. 5-1-77; am. (3) (a) 2., and cr. (3) (d),
Register, March, 1979, No. 279, eff. 4-1-79; corrections in (1) and (3) (c) made under s. 13.93 (2m) (b) 7., Stats.,
Register, February, 2000, No. 530; correction in (3) (c) made under s. 13.93 (2m) (b) 7., Stats.,
Register January 2002 No. 553.
Ins 6.55
Ins 6.55
Discrimination based on sex, unfair trade practice. Ins 6.55(1)(1)
Purpose. The purpose of this rule is to eliminate the act of denying benefits or refusing coverage on the basis of sex, to eliminate unfair discrimination in underwriting criteria based on sex, and to eliminate any differences in rates based on sex which cannot be justified by credible supporting information. This rule interprets and implements s.
601.01 (3), Stats., and ch.
628, Stats.
Ins 6.55(2)(a)
(a) Insurer has the meaning defined in s.
600.03 (27), Stats., and in addition includes nonprofit service plans or service insurance corporations.
Ins 6.55(2)(b)
(b) Contract means any insurance policy, plan, certificate, subscriber agreement, statement of coverage, binder, rider or endorsement offered by an insurer subject to Wisconsin insurance law.
Ins 6.55(3)(a)
(a) This rule shall apply to all contracts delivered in Wisconsin, or issued for delivery in Wisconsin on or after the effective date of this rule and to all existing group contracts subject to Wisconsin insurance law which are amended or renewed on or after the effective date of this rule.
Ins 6.55(3)(b)
(b) This rule shall not affect the right of fraternal benefit societies to determine eligibility requirements for membership.
Ins 6.55(4)(a)1.
1. Refuse or cancel coverage or deny benefits on the basis of the sex of the applicant or insured;
Ins 6.55(4)(a)2.
2. Restrict, modify, or reduce the benefits, term, or coverage on the basis of the sex of the applicant or insured.
Ins 6.55(4)(b)
(b) Examples of unfair trade practices defined by par.
(a) and prohibited by this rule are:
Ins 6.55(4)(b)1.
1. Denying coverage to females gainfully employed at home, employed part-time, or employed by relatives when coverage is offered to males similarly employed;
Ins 6.55(4)(b)2.
2. Denying benefits offered by policy riders to females when the riders are available to males;
Ins 6.55(4)(b)3.
3. Denying, under group contracts, dependent coverage to husbands of female employees, when dependent coverage is available to wives of male employees;
Ins 6.55(4)(b)4.
4. Denying disability income coverage to employed women when coverage is offered to men similarly employed;
Ins 6.55(4)(b)5.
5. Treating complications of pregnancy differently from any other illness or sickness under a contract;
Ins 6.55(4)(b)6.
6. Restricting, reducing, modifying, or excluding benefits payable for treatment of the genital organs of only one sex;
Ins 6.55(4)(b)7.
7. Offering lower maximum monthly benefits to women than to men who are in the same underwriting, earnings or occupational classification under a disability income contract;
Ins 6.55(4)(b)8.
8. Offering more restrictive benefit periods and more restrictive definitions of disability to women than to men in the same underwriting, earnings or occupational classification under a disability income contract;
Ins 6.55(4)(b)9.
9. Establishing different conditions by sex under which the policyholder may exercise benefit options contained in the contract.
Ins 6.55(5)
(5) Rates. When rates are differentiated on the basis of sex, the insurer must:
Ins 6.55(5)(a)
(a) File a brief letter of explanation along with a rate filing.
Ins 6.55(5)(b)
(b) Maintain written substantiation of such rate differentials in its home office.
Ins 6.55(5)(c)
(c) Justify in writing to the satisfaction of the commissioner the rate differential upon request.
Ins 6.55(5)(d)
(d) Base all such rates on sound actuarial principles or a valid classification system and actual experience statistics.
Ins 6.55(6)
(6) Penalty. Violation of this rule shall subject the insurer to the penalties set forth in s.
601.64, Stats.
Ins 6.55 History
History: Cr.
Register, May, 1976, No. 245, eff. 6-1-76; emerg. am. (1), eff. 6-22-76; am. (1),
Register, September, 1976, No. 249, eff. 10-1-76.
Ins 6.57
Ins 6.57
Appointment of insurance agents by insurers. Ins 6.57(1)(1)
Submission of an intermediary-agent appointment request shall initiate the appointment of an agent in accordance with s.
628.11, Stats. The appointment request shall be made in a manner prescribed by the commissioner within 15 days of the date the agent contract is executed or the date the first insurance application is submitted and shall show the lines of authority being requested for that agent. An appointment is valid only for the lines of insurance requested. The effective date of a valid appointment is the date on which the appointment request is submitted electronically in the format specified by the commissioner. Billing for the initial appointment shall be done at the time of appointment.
Ins 6.57(2)
(2) Notice of termination of appointment of an individual intermediary in accordance with s.
628.11, Stats., shall be filed prior to or within 30 calendar days of the termination date in a manner prescribed by the commissioner. Prior to or within 15 days of filing this termination notice, the insurer shall provide the agent written notice that the agent is no longer appointed as a representative of the company and that he or she may not act as its representative. This notice shall also include a formal demand for the return of all indicia of agency. “Termination date" means the date on which the insurer effectively severs the agency relationship with its intermediary-agent and withdraws the agent's authority to represent the insurer in any capacity.
