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 2.01Ins 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 HistoryHistory: 1-2-56; emerg. am. eff. 6-22-76; am. Register, September, 1976, No. 249, eff. 10-1-76. Ins 2.03Ins 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. Ins 2.03(2)(2) This ruling does not prohibit the exchange, alteration or conversion of policies of life insurance as of the original date of such policies if the amount of insurance provided under the new policy does not exceed the amount of insurance under the original policy or the amount of insurance which the premium paid for the original policy would have purchased if the new policy had been originally applied for, whichever is greater; nor prohibit the exercise of any conversion privilege contained in any policy or contract. Ins 2.05Ins 2.05 Separate statement of premiums for certain disability insurance benefits included in life or endowment insurance policies. Ins 2.05(1)(1) Purpose. This rule provides guidelines to determine which disability coverages may be included in life or endowment insurance policies without a separate statement of premium charge. This rule interprets and implements the separation of premium requirements stated in s. 632.44 (1), Stats., as they relate to the inclusion of disability insurance by policy provision or rider in life or endowment insurance policies such as authorized by s. Ins 6.70 and s. 627.06, Stats. Ins 2.05(2)(2) Scope. This rule shall apply to the kinds of disability insurance authorized by s. Ins 6.75 (1) (a) and (c), when such insurance is provided in a life or endowment policy either by specific policy provision or by a rider attached to such policy.