(1) MEMBERSHIP. A fraternal may admit any natural person to membership under such conditions and for such insurance and other benefits as its laws prescribe, subject to this chapter and other applicable laws. Members not having insurance cease to be members if the fraternal is converted to a mutual. (2) APPLICANTS AUTHORIZED. Subject to s. 631.07, a fraternal may do any of the following: (a) In general. Provide insurance benefits to its members and, on the application of members, to others. (b) Children. Insure the lives or disability of children younger than the minimum age for membership in the fraternal but otherwise eligible for membership, on the application of some adult person. (c) Employees. 1. In this paragraph, “employee” includes a former employee who is classified as a retired employee under a retirement plan or other written policy of a fraternal or of a subsidiary or other affiliate of a fraternal. 2. Notwithstanding s. 614.01 (1) (a) 2. , provide insurance benefits to its employees and to employees of the fraternal’s subsidiaries or other affiliates. 3. Notwithstanding s. 614.01 (1) (a) 2., on the application of an employee specified in subd. 2., provide insurance benefits to the employee’s spouse or domestic partner under ch. 770 or a child of the employee who receives financial services or support from the employee. (3) CHILDREN’S LODGES. A fraternal may organize lodges for children covered by insurance but not old enough for membership. Membership in local lodges is not required for such children, and they have no voting rights. (4) BENEFITS PENDING MEMBERSHIP. A fraternal may extend temporary or conditional insurance coverage to a nonmember who has applied for membership in the fraternal.
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