Ins 3.13(3)(c)(c) An endorsement differs from a rider only in that it is applied to a policy by means of printing or stamping on the body of the policy. All endorsements shall comply with the requirements of s. 204.31 (2) (a) 4., 1973 Stats.
Ins 3.13(3)(d)(d) If the endorsement reduces or eliminates coverage of the policy, signed acceptance of the endorsement by the insured is necessary. However, signed acceptance of the endorsement is not necessary when the endorsement is affixed at the time of the original issuance of the policy if notice of the endorsement is affixed on the face and filing back, if any, in contrasting color, in not less than 12-point type. Such notice shall be worded in one of the following ways:
“Notice! See Elimination Endorsement Included Herein”
“Notice! See Exclusion Endorsement Included Herein”
“Notice! See Exception Endorsement Included Herein”
“Notice! See Limitation Endorsement Included Herein”
“Notice! See Reduction Endorsement Included Herein”
A company may submit, subject to approval by the commissioner, other wording which it believes is equally clear or more definite as to subject matter.
Ins 3.13(4)(4)Applications.
Ins 3.13(4)(a)(a) Application forms shall meet the requirements of s. Ins 3.28 (3).
Ins 3.13(4)(b)(b) It shall not be necessary for the applicant to sign a proxy provision as a condition for obtaining insurance. The applicant’s signature to the application must be separate and apart from any signature to a proxy provision.
Ins 3.13(4)(c)(c) The application form, or the copy of it, attached to a policy shall be plainly printed or reproduced in light-faced type of a style in general use, the size of which shall be uniform and not less than 10-point.
Ins 3.13(6)(6)Rate filings.
Ins 3.13(6)(a)(a) The following must be accompanied by a rate schedule:
Ins 3.13(6)(a)1.1. Policy forms.
Ins 3.13(6)(a)2.2. Rider or endorsement forms which affect the premium rate.
Ins 3.13(6)(b)(b) The rate schedule shall bear the insurer’s name and shall contain or be accompanied by the following information:
Ins 3.13(6)(b)1.1. The form number or identification symbol of each policy, rider or endorsement to which the rates apply.
Ins 3.13(6)(b)2.2. A schedule of rates including policy fees or rate changes at renewal, if any, variations, if any, based upon age, sex, occupation, or other classification.
Ins 3.13(6)(b)3.3. An indication of the anticipated loss ratio on an earned-incurred basis.
Ins 3.13(6)(b)4.4. Any revision of a rate filing shall be accompanied by a statement of the experience on the form and the anticipated loss ratio on an earned-incurred basis under the revised rate filing.
Ins 3.13(6)(b)5.5. Subdivisions 3. and 4. shall not apply to non-cancellable policies or riders or non-cancellable and guaranteed renewable policies or riders or guaranteed renewable policies or riders.
Ins 3.13 HistoryHistory: Cr. Register, March, 1958, No. 27; subsections (1), (5), (6) eff. 4-1-58; subsections (2), (3), (4) eff. 5-15-58; am. (2) (c) and cr. (4) (c), Register, March, 1959, No. 39, eff. 4-1-59; am. (2) (e), (6) (b) 3. and 4., Register, November, 1959, No. 47, eff. 12-1-59; am. and renum. (2) (c), (d), (e), (f), (g) and (h); am. (3) and (6) (b) 5., Register, June, 1960, No. 54, eff. 7-1-60; am. (2) (e) 4., Register, November, 1960, No. 59, eff. 12-1-60; r. (2) (j), Register, April, 1963, No. 88, eff. 5-1-63; cr. (2) (j), Register, March, 1964, No. 99, eff. 4-1-64; am. (2) (e) 2. and 4., Register, April, 1964, No. 100, eff. 5-1-64; am. (2) (j) 2.; am. NOTE in (2) (j) 3; Register, March, 1969, No. 159; eff. 4-1-69; cr. (2) (k), Register, June, 1971, No. 186, eff. 7-1-71; am. (4) (a), Register, February, 1974, No. 218, eff. 3-1-74; emerg. am. (1), (2) (e) 7., (2) (j), (3) (a) and (c), eff. 6-22-76; am. (1), (2) (e) 7., (2) (j), (3) (a) and (c), Register, September, 1976, No. 249, eff. 10-1-76; am. (1) and (2) (e) 7, Register, March, 1979, No. 279, eff. 4-1-79; r. (5), Register, January, 1980, No. 289, eff. 2-1-80; am. (2) (j) 3., Register, June, 1982, No. 318, eff. 7-1-82; emerg. am. (2) (j) and cr. (2) (jm), eff. 11-19-85; am. (2) (j) (intro.) and cr. (2) (jm), Register, March, 1986, No. 363, eff. 4-1-86; am. (1), Register, September, 1986, No. 369, eff. 10-1-86; emerg. am. (2) (j) (intro.), renum. (2) (jm) to be Ins 3.39 (7) (d), eff. 1-1-92; am. (2) (j) (intro.), renum. (2) (jm) to be Ins 3.39 (7) (d), Register, July, 1992, No. 439, eff. 8-1-92; correction in (1) made under s. 13.93 (2m) (b) 7., Stats., Register, January, 1999, No. 517; CR 08-112: am. (2) (j) 3. Register June 2009 No. 642, eff. 7-1-09; CR 19-036: am. (2) (j) (intro.), 3. Register December 2019 No. 768, eff. 1-1-20.
Ins 3.14Ins 3.14Group accident and sickness insurance.
Ins 3.14(1)(1)Purpose. This rule implements and interprets applicable statutes for the purpose of establishing procedures and requirements to expedite the review and approval of group accident and sickness policies permitted by s. 600.03 (23), Stats., and s. Ins 6.75 (1) (c) or (2) (c).
Ins 3.14(3)(3)Rate filings. Schedules of premium rates shall be filed in accordance with the requirements of ch. 601, Stats., and s. 631.20, Stats. The schedules of premium rates shall bear the insurer’s name and shall identify the coverages to which such rates are applicable.
Ins 3.14(4)(4)Certificates.
Ins 3.14(4)(a)(a) Each certificate issued to an employee or member of an insured group in connection with a group insurance policy shall include a statement in summary form of the provisions of the group policy relative to:
Ins 3.14(4)(a)1.1. The essential features of the insurance coverage,