Wisconsin Code § 631.21

Explicit approval required
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(1) REQUIRED APPROVAL. Despite filing or general approval of a form under s.
631.20, the following clauses may not be used even if contained
in the form unless the commissioner gives explicit approval to
them:
(a) Expeditious notice. Clauses requiring more expeditious
notice than 1st class mail, as provided in s. 631.81 (2).
(c) Reinstatement fees. A schedule of reinstatement fees under s. 632.74, if made a part of the policy. Such a schedule need
not be included in the contract but may be given approval as a
separate document specifically made applicable to particular
classes of policies.
(2) EFFECT OF FAILURE TO OBTAIN EXPLICIT APPROVAL. If an
insurer fails to obtain explicit approval from the commissioner
for the clauses under sub. (1), the clauses shall be null and void.

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