reglab/housing_qa huggingface dataset:
WI Stat § 628.03 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.03 - Requirement of license.

628.03  Requirement of license. (1) General. No natural person may perform, offer to perform, or advertise any service as an intermediary in this state, unless the natural person obtains a license under s. 628.04 or 628.09, and no person may utilize the services of another as an intermediary if the person knows or should know that the other does not have a license as required by law. The licensing requirements of this subsection do not apply to a person who solely procures unauthorized insurance, as defined in s. 618.40 (11), that is not surplus lines insurance, as defined in s. 618.40 (10). (1m)  Risk purchasing groups. No natural person may solicit, negotiate or obtain insurance on behalf of a risk purchasing group which does business in this state unless the natural person obtains a license under s. 628.04 or 628.09. A risk purchasing group may not allow a natural person to solicit, negotiate or obtain insurance on its behalf if the risk purchasing group knows that the natural person is not licensed as required by this subsection. (2)  Exemptions. The commissioner may by rule exempt certain classes of natural persons from the requirement of obtaining a license:(a) If the functions they perform do not require special competence or trustworthiness or the regulatory surveillance made possible by licensing; or(b) If other existing safeguards make regulation unnecessary. (3)  Validity of contract. No insurance contract is invalid as a result of a violation of this section.History:  1975 c. 371, 421; 1981 c. 38; 1987 a. 247; 2011 a. 224.
WI Stat § 628.05 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.05 - Licensing of town mutual agents.

628.05  Licensing of town mutual agents. (1) General exemption. Except as otherwise provided in sub. (2), or by rule promulgated by the commissioner, persons engaged in soliciting insurance exclusively for town mutuals are not subject to the licensing requirements of s. 628.03 (1). (2)  Agents soliciting insurance requiring reinsurance. No person may solicit any application for a contract providing coverage of the kind specified in s. 612.31 (3) unless the person first obtains a license to do so under this chapter. The license need be only for those coverages the town mutual is authorized to write and any examination of applicants shall be appropriately limited.History:  1975 c. 371, 421; 2011 a. 224.
WI Stat § 628.06 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.06 - Licensing of fraternal agents.

628.06  Licensing of fraternal agents. (1) General provision. Subject to sub. (2), an agent of a fraternal is subject to the same licensing requirements as an agent for any other insurer doing the same lines of business, unless the agent was an agent for a fraternal immediately prior to October 2, 1963, and is still such an agent on June 19, 1976. The agent's authority under this exception ceases upon ceasing, for however short a period, to be an agent for a fraternal. (2)  Part-time fraternal agents. An agent for one or more fraternals who devotes or intends to devote less than half-time to the solicitation of insurance business is not subject to the requirements of sub. (1). A person is presumed to have devoted half-time to the solicitation of insurance business if in the preceding calendar year the person procured life insurance contracts in a face amount in excess of $50,000, or, in the case of other kinds of insurance, on the persons of more than 25 individuals, and if the person received compensation therefor.History:  1975 c. 373, 421.Legislative Council Note, 1975: These subsections continue the general thrust of s. 208.21. The grandfather clause is considerably restricted. The part-time exception in sub. (2) reflects the informal and nonprofessional nature of some of the marketing methods of the smaller fraternals; some question may be raised about the merits of the exception, but it reflects strongly held views. It clearly permits nonprofessional solicitation of new members by existing members, when no compensation is involved. [Bill 643-S]
WI Stat § 628.07 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.07 - Licensing of nonresidents.

628.07  Licensing of nonresidents. The commissioner shall waive any examination requirement for a nonresident applicant under s. 628.04 if the applicant's home state or state of residence has issued the applicant a license for which the qualifications are equivalent to the qualifications for a license issued by this state and if that license is in good standing at the time of application.History:  1975 c. 371, 421; 2015 a. 90.
WI Stat § 628.08 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.08 - Changes in status of intermediaries.

628.08  Changes in status of intermediaries. Every change in the members of a partnership or a limited liability company or the principal officers of a corporation licensed as an intermediary, every significant change in management powers in the entity, and so far as it relates to competency or trustworthiness as an intermediary, every change in the status and relationships of a natural person licensed as an intermediary, shall be reported to the commissioner promptly by the intermediary, in such detail and form as the commissioner by rule prescribes.History:  1975 c. 371; 1993 a. 112.
WI Stat § 628.09 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.09 - Temporary licenses.

628.09  Temporary licenses. (1) Issuance of license. Except as provided in s. 628.095 or 628.097, the commissioner may issue a temporary license as an intermediary for a period of not more than 12 months to the personal representative of a deceased or mentally disabled intermediary, or to a person designated by an intermediary who is otherwise disabled or has entered active duty in the U.S. armed forces, in order to give time for more favorable sale of the goodwill of a business owned by the intermediary, for the recovery or return of the intermediary, or for the orderly training and licensing of new personnel for the intermediary's business. (2)  Limitation on authority. The commissioner may by order limit the authority of any temporary licensee in any way deemed necessary to protect insureds and the public. The commissioner may require the temporary licensee to have a suitable sponsor who is a licensed intermediary or insurer and who assumes full legal responsibility for all acts and omissions of the temporary licensee, may impose special bonding requirements and may impose other similar requirements designed to protect insureds and the public. (3)  Examinations. The commissioner may administer an examination as a prerequisite to the issuance of a temporary license. (4)  Duration of license. The commissioner may by order revoke a temporary license if the interests of insureds or the public are endangered. A temporary license may not be extended beyond the initial period specified under sub. (1). A temporary license may not continue after the owner or the personal representative disposes of the business. (5)  Fees. The fees for a temporary license are the same as for a permanent license. (6)  Status of temporary licensee. A temporary licensee is a fully qualified intermediary for all purposes other than the process of licensing, the duration of the license and the limits imposed under sub. (2).History:  1975 c. 371, 421; 1981 c. 38; 1997 a. 191; 2001 a. 65.
WI Stat § 628.097 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.097 - Refusal to issue license; failure to pay support or to comply with subpoena or warrant; tax or unemployment insurance contribution delinquency.

628.097  Refusal to issue license; failure to pay support or to comply with subpoena or warrant; tax or unemployment insurance contribution delinquency. (1m) For failure to pay support or to comply with subpoena or warrant. The commissioner shall refuse to issue to a natural person a license, including a temporary license, under this subchapter or subch. V if the natural person is delinquent in court-ordered payments of child or family support, maintenance, birth expenses, medical expenses, or other expenses related to the support of a child or former spouse, or if the natural person fails to comply, after appropriate notice, with a subpoena or warrant issued by the department of children and families or a county child support agency under s. 59.53 (5) and related to paternity or child support proceedings, as provided in a memorandum of understanding entered into under s. 49.857. (2m)  For liability for delinquent taxes or unemployment insurance contributions. The commissioner shall refuse to issue a license, including a temporary license, under this subchapter or subch. V, or to register a navigator entity under subch. V, if the department of revenue certifies under s. 73.0301 that the applicant for the license or registration is liable for delinquent taxes or if the department of workforce development certifies under s. 108.227 that the applicant for the license or registration is liable for delinquent unemployment insurance contributions. History:  1997 a. 191, 237; 2001 a. 65; 2007 a. 20; 2013 a. 20, 36, 173, 276.
WI Stat § 628.11 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.11 - Appointment of agents.

628.11  Appointment of agents. An insurer shall report to the commissioner at such intervals as the commissioner establishes by rule all appointments, including renewals of appointments, and all terminations of appointments of insurance agents to do business in this state, and shall pay the fees prescribed under s. 601.31 (1) (n).History:  1975 c. 371, 421; 1979 c. 102 s. 237; 1981 c. 20 s. 2202 (26) (a); 1995 a. 27; 2007 a. 169.
WI Stat § 628.12 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.12 - Liability of surplus lines insurer.

628.12  Liability of surplus lines insurer. If a surplus lines insurer has assumed a risk and if the premium therefor has been received by the surplus lines agent or broker who placed the insurance, then as between the insurer and the insured the insurer is deemed to have received the premium due to it for the coverage; and the insurer is liable to the insured for losses covered by the insurance and for unearned premiums upon cancellation of the insurance, whether or not the surplus lines agent or broker is indebted to the insurer. Each surplus lines insurer assuming a surplus lines risk under this section thereby subjects itself to the terms of this section.History:  1975 c. 371.
WI Stat § 628.31 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.31 - Sale of insurance through vending machines.

628.31  Sale of insurance through vending machines. No insurance policies may be sold by a vending machine except policies of personal travel accident insurance providing benefits for accidental bodily injury or accidental death.History:  1975 c. 371, 421; 1979 c. 102 s. 237; 1981 c. 20, 38.
WI Stat § 628.32 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.32 - Disclosure required.

628.32  Disclosure required. (1) An intermediary may not accept compensation from an insured or from both an insured and another source due to the insured's purchase of insurance or for advice regarding the insured's insurance needs or coverage unless the intermediary, before the insured incurs an obligation to pay compensation, clearly and conspicuously and in writing discloses to the insured all of the following:(a) The amount of compensation to be paid by the insured, excluding commissions paid by the insurer to the intermediary.(b) If compensation will be paid by another source, the fact that the intermediary will also receive compensation from the other source. (2) The commissioner may promulgate rules prescribing the form for disclosure under sub. (1).History:  1975 c. 371, 421; 1981 c. 38; 1987 a. 247.
WI Stat § 628.348 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.348 - Sale of long-term care insurance.

628.348  Sale of long-term care insurance. (1) Training requirement. On and after January 1, 2009, no person may solicit, negotiate, or sell long-term care insurance unless the person is a licensed intermediary and he or she has completed the initial training portion of the training program under s. 49.45 (31) (c) and completes the ongoing training under s. 49.45 (31) (c) every 24 months after completing the initial training. (2)  Insurer verification. Insurers providing long-term care insurance shall do all of the following:(a) Obtain from intermediaries selling long-term care insurance on behalf of the insurer verification that the intermediary is in compliance with the training requirements under sub. (1).(b) Maintain records related to the verifications obtained under par. (a).(c) Make the records under par. (b) available to the commissioner upon request.History:  2007 a. 20, 226.
WI Stat § 628.35 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.35 - Prohibition of exclusive contracts.

628.35  Prohibition of exclusive contracts. No insurer may make, enforce or participate in any contract or other arrangement for exclusive services of a health care provider that prevents or materially inhibits any other insurer authorized to do business in this state from entering into a contract or other arrangement with any health care provider of services that the other insurer has contracted to supply or for which it has promised indemnity under its insurance contracts, unless: (1) The health care provider is an individual who is an employee of the insurer; (2) The health care provider is a corporation owned by the insurer; (3) The health care provider uses the insurer's name under a franchise arrangement; or (4) The case is within a class for which the commissioner by rule establishes an exception after a finding that the contract or other arrangement does not seriously impede the effective operation of a legitimate insurance business by other insurers.History:  1975 c. 223, 371, 422.
WI Stat § 628.37 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.37 - Preservation of professional relationships in professional services.

628.37  Preservation of professional relationships in professional services. No insurance plan related to or providing health care, legal or other professional services may alter the direct relationship and responsibility of professional persons to their patients or clients for the professional services rendered. All professional relationships are subject to the same rules of contract and tort law and professional ethics as if no insurance plan were involved.History:  1975 c. 223, 371, 422.
WI Stat § 628.38 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.38 - Disclosure requirements.

628.38  Disclosure requirements. The commissioner may by rule require insurers to deliver to prospective buyers of life or disability insurance, at a time specified in the rule, information consistent with ss. 601.01 and 628.34 that will improve their ability to select appropriate coverage.History:  1981 c. 82.
WI Stat § 628.39 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.39 - Extension of credit on premiums.

628.39  Extension of credit on premiums. The extension of credit to the insured upon a premium without interest for not exceeding 60 days from the effective date of the policy, or after that time with interest at not less than the legal rate nor more than 18 percent per year on the unpaid balance, is permissible. The payment of premiums on policies issued under a mass marketing program on an installment basis through payroll deductions is not an extension of credit.History:  1975 c. 371; 1979 c. 110 s. 60 (13); 1983 a. 215.
WI Stat § 628.40 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.40 - Effect of agent's appointment on insurer.

628.40  Effect of agent's appointment on insurer. Every insurer is bound by any act of its agent performed in this state that is within the scope of the agent's apparent authority, while the agency contract remains in force and after that time until the insurer has made reasonable efforts to recover from the agent its policy forms and other indicia of agency. Reasonable efforts shall include a formal demand in writing for return of the indicia, and notice to the commissioner if the agent does not comply with the demand promptly.History:  1975 c. 371, 421.
WI Stat § 628.48 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.48 - Risk retention groups.

628.48  Risk retention groups. (1) Prohibited marketing. A risk retention group may not do any of the following:(a) Solicit or sell insurance to any person who is not eligible for membership in the risk retention group.(b) Solicit or sell insurance or otherwise operate if the risk retention group is in a hazardous financial condition or is financially impaired. (2)  Notice in policies. A risk retention group may not issue an insurance policy unless the following notice, in 10-point type, is included on the front page and declarations page of the policy:NoticeThis policy is issued by your risk retention group. Your risk retention group may not be subject to all of the insurance laws and regulations of your state. State insurance insolvency guaranty funds are not available for your risk retention group.History:  1987 a. 247.
WI Stat § 628.49 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.49 - Regulation of managing general agents, reinsurance brokers and managers and controlling producers.

628.49  Regulation of managing general agents, reinsurance brokers and managers and controlling producers. After considering the applicable model acts adopted by the National Association of Insurance Commissioners, the commissioner may promulgate rules that are reasonably necessary to regulate the business practices and transactions of the following: (1) Managing general agents. (2) Reinsurance brokers. (3) Reinsurance managers. (4) Intermediaries that control an insurer.History:  1991 a. 269.
WI Stat § 628.51 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.51 - Controlled business.

628.51  Controlled business. No intermediary may receive any compensation from an insurer for effecting insurance upon the intermediary's property, life or other risk unless during the preceding 12 months the intermediary had effected other insurance with the same insurer with aggregate premiums exceeding the premiums on the intermediary's risks.History:  1975 c. 371, 421.
WI Stat § 628.61 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.61 - Sharing commissions.

628.61  Sharing commissions. (1) Prohibition. No intermediary or insurer may pay any consideration, nor reimburse out-of-pocket expenses, to any natural person for services performed within this state as an intermediary if he or she knows or should know that the payee is not licensed under s. 628.04 or 628.09. No natural person may accept compensation for service performed as an intermediary unless the natural person is licensed under s. 628.04 or 628.09. (2)  Exceptions. This section does not prohibit:(a) The payment of deferred commissions to formerly licensed agent and broker intermediaries or their assignees; or(b) The proper exchange of business between agent and broker intermediaries lawfully licensed in this state.History:  1975 c. 371, 421; 1979 c. 102; 1981 c. 38.
WI Stat § 628.78 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.78 - Benefit plans for agents.

628.78  Benefit plans for agents. A domestic insurer may establish retirement, insurance and other benefit plans for agents on an actuarial basis approved by the commissioner.History:  1975 c. 371.
WI Stat § 628.90 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.90 - Definitions.

628.90  Definitions. In this subchapter: (1) “Exchange" means the American health benefit exchange, as described in 42 USC 18031. (2) “Health benefit plan" has the meaning given in s. 632.745 (11). (3) (a) Except as provided in par. (b), “navigator" means a natural person, or an entity that supervises or employs a natural person, who does all of the following:1. Performs any of the activities and duties identified in 42 USC 18031 (i) and 45 CFR 155.210 on behalf of the exchange.2. Receives funding to perform any of the activities and duties identified in 42 USC 18031 (i) and 45 CFR 155.210 on behalf of the exchange.(b) “Navigator" does not include a person acting as an insurance intermediary licensed under subch. II, but an insurance intermediary may apply to be licensed as a navigator under this subchapter. (4) “Nonnavigator assister" means a natural person who has been designated by the exchange, or could reasonably be described as working at the behest of the exchange, as a nonnavigator assister, including an in-person assister, enrollment assister, application assister, or certified application counselor.History:  2013 a. 20.
WI Stat § 628.91 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.91 - Requirement of licensure or registration.

628.91  Requirement of licensure or registration. No natural person or entity may act as a navigator in this state unless licensed or registered as a navigator under s. 628.92.History:  2013 a. 20.
WI Stat § 628.93 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 628 - Insurance marketing.|628.93 - Other applicable provisions.

628.93  Other applicable provisions. (1) Social security and federal employer identification numbers on applications or at time of fee payment. Applicants for individual navigator licensure and navigator entity registration are subject to s. 628.095. (2)  Refusal to issue license; failure to pay support or to comply with subpoena or warrant; delinquent taxes or unemployment insurance contributions. Applicants for individual navigator licensure and navigator entity registration are subject to s. 628.097. (3)  Termination of license. Individual navigator licenses are subject to s. 628.10.History:  2013 a. 20, 276.