Insurance Contracts in Specific Lines (full chapter)

What this document is

Wis. Stat. ch. 632, Insurance Contracts in Specific Lines (full chapter) is a state statute published by Wisconsin Legislative Reference Bureau. It is one of the Wisconsin documents that insurance license exam questions are written from, including wisconsin life & health, wisconsin property & casualty, wisconsin personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Wis. Stat. § 632.75 (3) (Prohibition of Exclusion from Coverage of Certain Dependent Children)

  “No disability insurance policy issued or renewed on or after April 30, 1980, may exclude or terminate from coverage any dependent child of an insured person or group member solely because the child does not reside with the insured person or group member. This subsection does not apply to a group...”

• Wis. Stat. § 632.48 (2) (Protection of Insurer on Beneficiary Change)

  “(2) PROTECTION OF INSURER. An insurer may prescribe formalities to be complied with for the change of beneficiaries, but formalities prescribed under this subsection shall be designed only for the protection of the insurer. The insurer discharges its obligation under the insurance policy or...”

• Wis. Stat. § 632.895 (13) (Breast Reconstruction)

  “(13) BREAST RECONSTRUCTION. (a) Every disability insurance policy, and every self-insured health plan of the state or a county, city, village, town or school district, that provides coverage of the surgical procedure known as a mastectomy shall provide coverage of breast reconstruction of the...”

• Wis. Stat. § 632.897 (8) (Premium payments for continued group coverage)

  “Premium payments for continued group coverage required under this section shall be paid to the employer.”

• Wis. Stat. § 632.46 (4) (Disability coverages and additional accident benefits)

  “Despite subs. (1) and (2), disability coverages and additional accident benefits may be contested at any time on the ground of fraudulent misrepresentation.”

• Wis. Stat. § 632.897 (4) (a) (group continuation and individual conversion rights)

  “A terminated insured who elects conversion coverage under sub. (2) (b) or (3) (c) or (d), the spouse or dependent of such a terminated insured, if the terminated insured is eligible under sub. (2) (b) 2. and the spouse or dependent was covered under the group policy, and a terminated insured...”

• Wis. Stat. § 632.746 (8) (b) (HMO affiliation periods in group health benefit plans)

  “A health maintenance organization that imposes an affiliation period under this subsection is not required to provide health care services or benefits during the affiliation period. A health maintenance organization may not charge a premium to a participant or beneficiary for any coverage that is...”

• Wis. Stat. § 632.76 (2) (ac) 1. (preexisting conditions in individual disability policies)

  “Notwithstanding par. (a), no claim or loss incurred or disability commencing after 12 months from the date of issue of an individual disability insurance policy, as defined in s. 632.895 (1) (a), may be reduced or denied on the ground that a disease or physical condition existed prior to the...”

• Wis. Stat. § 632.89 (3p) (Availability of Plan Information)

  “A group health benefit plan and a self-insured health plan that provide coverage of the treatment of nervous and mental disorders and alcoholism and other drug abuse problems, and an individual health benefit plan that provides coverage of the treatment of nervous and mental disorders or alcoholism...”

• Wis. Stat. § 632.46 (3) (Misstated Age or Sex)

  “(3) MISSTATED AGE OR SEX. (a) Subject to par. (b), if the age or sex of the person whose life is at risk is misstated in an application for a policy of life insurance and the error is not adjusted during the person's lifetime the amount payable under the policy is what the premium paid would have...”

• Wis. Stat. § 632.87 (4) (Restrictions on Health Care Services: Dentists)

  “(4) No policy, plan or contract may exclude coverage for diagnosis and treatment of a condition or complaint by a licensed dentist or dental therapist within the scope of the dentist's or dental therapist's license, if the policy, plan or contract covers diagnosis and treatment of the condition or...”

• Wis. Stat. ch. 632 § 632.46 (2) (Incontestability of Group Policies)

  “Except under sub. (3) or (4) or for nonpayment of premiums, no group life insurance policy may be contested after it has been in force for 2 years from its date of issue and no coverage of any insured thereunder may be contested on the basis of a statement made by the insured relative to his or her...”

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More Wisconsin sources

• Wis. Stat. s. 628.34: Unfair marketing practicesState statute
• Wis. Stat. Chapter 632 - Insurance Contracts in Specific Lines (selected life and disability sections)State statute
• Wis. Stat. ch. 600, Insurance, Scope and Administration (selected sections)State statute
• Wis. Stat. ch. 628, Insurance Marketing (full chapter, 39 sections, 628.01-628.98)State statute
• Wis. Stat. ch. 631, Insurance Contracts Generally (full chapter)State statute
• Wisconsin Accident and Health or Sickness: General and State Examination Content Outline (Series 22-03)Candidate handbook or exam outline
• Wisconsin Casualty: General and State Examination Content Outline (Series 22-07)Candidate handbook or exam outline
• Wisconsin Insurance Licensing Candidate Information BulletinCandidate handbook or exam outline