Wisconsin Administrative Code
Office of the Commissioner of Insurance
Chapter Ins 6 - General
Section Ins 6.50 - Kinds of individual intermediary or agent licenses

1. Life insurance - insurance coverage on human lives including benefits of endowment and annuities, and may include benefits in the event of death or dismemberment by accident and benefits for disability income.

2. Accident and health insurance - insurance coverage for sickness, bodily injury or accidental death and may include benefits for disability income.

3. Property insurance - insurance coverage for the direct or consequential loss or damage to property of every kind.

4. Casualty insurance - insurance coverage against legal liability, including that for death, injury or disability or damage to real or personal property.

5. Personal lines insurance - property and casualty insurance coverage sold to individuals and families for primarily noncommercial purposes.

6. Variable life and variable annuity products - insurance coverage provided under variable life insurance contracts and variable annuities.

1. Credit insurance - credit life, credit disability, credit property, credit unemployment, involuntary unemployment, mortgage life, mortgage guaranty, mortgage disability, guaranteed automobile protection (gap) insurance, and any other form of insurance offered in connection with an extension of credit that is limited to partially or wholly extinguishing that credit obligation that the insurance commissioner determines should be designated a form of limited line credit insurance.

2. Title insurance - as described in s. Ins 6.75(2) (h);

3. Legal expense insurance - insurance that covers only legal expenses incurred by or provided to an individual or business

4. Miscellaneous Limited Line insurance - insurance for an insurer authorized to do business in Wisconsin which is permitted as a limited line of insurance in a Wisconsin nonresident intermediary's home state and is not described in this section shall have the same scope of authority as granted under the limited license issued by the producer's resident state which shall be briefly described on the license issued.

Note: All intermediaries holding the limited line automobile authority on the effective date of this rule and all intermediaries holding the limited line town mutual non-property insurance on May 1, 1991 are grandfathered for these authorities.

5. Travel insurance - insurance coverage for trip cancellation, trip interruption, baggage, life, sickness and accident, disability and personal effects when limited to a specific trip and sold in connection with transportation provided by a common carrier.

6. Crop - Insurance providing protection against damage to crops from unfavorable weather conditions, fire or lightning, flood, hail, insect infestation, disease or other yield-reducing conditions or perils provided by the private insurance market, or that is subsidized by the Federal Crop Insurance Corporation, including Multi-Peril Crop Insurance.

7. Surety - Insurance or bond that covers obligations to pay the debts of, or answer for the default of another, including faithlessness in a position of public or private trust.