Incorporation by reference
Wis. Stat. § 631.13
in effectNo insurance contract may contain any agreement or incorporate any provision not fully set forth in the policy or in an application or other document attached to and made a part of the policy at the time of its delivery except that:
(1) Rates. Any policy may by reference incorporate rate schedules and classifications of risks and short-rate tables filed with the commissioner; and
(2) Complex contracts. By rule or order or by approval of a form the commissioner may authorize for complex contracts incorporation by reference of provisions for administrative arrangements, premium schedules and payment procedures.
Source: WI Statutes (Official Site)URL: https://docs.legis.wisconsin.gov/document/statutes/631.13Fetched: 10/7/2026
