Wisconsin Code § 631.13

Incorporation by reference
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No 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.

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