BYLAWS OF THE WISCONSIN ASSOCIATION OF HEALTH UNDERWRITERS
Revised September 11, 2020
^ to top ^
This professional organization shall be known as the Wisconsin
Association of Health Underwriters (WAHU), herein after referred
to as the association, a not-for-profit organization chartered by
the National Association of health Underwriters. The territorial
limits of this Association shall be confined to the State of Wisconsin.
Use of name, emblems or logos of WAHU is allowed only with express
permission of the Board of Directors.
^ to top ^
Section 1. The objective of this Association shall be:
To promote the common business interest of those engaged in disability
and risk management.
To advance and promote public knowledge for the need and benefit
of disability income and/or health insurance products.
To provide and promote a program of continuing education and self-improvement
of WAHU members.
To increase the knowledge of members concerning the principles,
functions and applications of health insurance and disability income
To promote education, legislation, regulation and practices which
are in the best interest of the health and disability insurance
industry and the insuring public.
To do such things and to carry out other such programs so as to
further the purposes of the Association.
To present accurately, honestly and completely every fact essential
to the client’s decision as expressed in the Code of Ethics
of the National Association of Health Underwriters, which are considered
a part of these bylaws.
Section 2. Code of Ethics -- NAHU
A. Hold the selling of health insurance as a profession and a public
trust and do all in my power to maintain its prestige.
B. Keep the needs of my prospects and their families paramount.
C. Respect my client’s trust in me, and never do anything
which would betray that trust or confidence.
D. Use no advertising which may be false or misleading.
E. Exercise diligence in securing and submitting all information
necessary for the issuance of sound insurance coverage to the public
F. Consider the sale of Health Insurance as a career, know and abide
by the insurance laws of my state, and seek constantly through study
to increase my knowledge and
improve my ability to serve the insuring public.
G. Be fair and just to my competitors, and engage in no practices
which might reflect unfavorably on myself or my industry.
H. Treat prospects, clients, and companies fairly by submitting
applications which give all information pertinent to the underwriting
of a policy.
I. Be loyal to my associates, my fellow agents and the company or
companies I represent.
^ to top ^
Class of Membership
Section 2. Individual Members:
Individual members will also be referred to as active members.
An individual member may be any individual licensed by his/her state
licensing authority for the sale of disability income and health
insurance products. Individual members may also include non-licensed
individuals engaged in the distribution of disability income and
health insurance products such as, but not limited to, home office
personnel and others engaged in the management and distribution
of such products.
Section 3. Honorary Members:
Honorary Members shall be those individuals who have performed
distinguished or meritorious service of recognized value to the
Wisconsin Association of Health Underwriters, and who are elected
to Honorary Membership by the Board of Directors of this association.
Section 4. Life Members:
Life Membership shall be granted when an active member has been
in good standing for a minimum of ten (10) consecutive years and
1) has attained age 65; or 2) retired; or 3) become disabled. The
Wisconsin Association of Health Underwriters’ dues will be
reduced by 50% for such Life Member. For any member in good standing
who becomes totally and permanently disabled, all further dues will
be waived. Life membership status shall be automatically conferred
when all qualifications are met and application is made and verified.
^ to top ^
Section 1. Each member of the Association shall
remit annual dues in advance in the amount determined by the Board
of Directors. Such dues shall be billed by the National Association
of Health Underwriters and shall include the amount due the National
Association and the State Association.
Section 2. An individual member who is behind
in the payment of dues in accordance with the NAHU bylaws shall
be dropped from the roster as a member in good standing.
^ to top ^
Section 1. Regular and special meetings of the general membership
shall be held at such times and places as determined by the Board
of Directors. The stated annual meeting of each fiscal year shall
be the meeting at which the election of Officers and Board Members
to serve the following year shall be held. They may be installed
immediately or at the next regular membership meeting.
Section 2. A legally held meeting must have a quorum of 10% of
the active membership.
Section 3. Board Meetings will be held at regular intervals throughout
the year, as determined by the Board of Directors and/or the President.
A majority of the Board Members shall constitute a quorum.
^ to top ^
Section 1. The Officers of this Association shall be a President,
President Elect, Vice President, Secretary, Treasurer and the Immediate
Past President. These officers shall perform the duties prescribed
by these bylaws and by the parliamentary authority adopted by the
Section 2. The President Elect, Vice President, Secretary and Treasurer
shall be elected by the membership at the annual meeting for a term
of one year. The Immediate Past President will serve a term of one
year. The President and the President Elect cannot be re-elected
to the same or lesser office or board position for one year following
completion of their present term. The President Elect shall assume
the Office of President for the succeeding year, unless recalled
or removed by due process.
Section 3. Duties of Officers:
A. The President shall exercise general supervision over the various
activities of this Association, preside at all meetings, appoint
standing committees, special committees and task force as may be
necessary and are not in conflict with other provisions of the bylaws.
These appointments will have Board approval. The duties and responsibilities
of special committees shall be approved by the Board of Directors.
The President shall make appointments to complete the term of the
vacating officers and/or Board Members with the approval of the
Board of Directors. The President shall at his discretion appoint
a Parliamentarian and/or a Sergeant-at-Arms.
B. The Immediate Past President shall serve as an advisor
Board of Directors.
C. The President Elect shall assume the Presidency upon the completion
of the Incumbent President’s term of office. He/she shall
be considered an understudy to the President for the purpose of
continuity of Association’s programs and activities, and shall
perform such duties as assigned by the President and the Board of
Directors. The President Elect shall assume the duties of President
in the event of the President’s disability or death and have
the same duties of that office.
D. The Vice President, in addition to being responsible for overseeing
the activities of the standing committees, shall be responsible
for other duties as are assigned to him/her by the President and
Board of Directors. The Vice President shall assume the duties of
the Presidency if the President and the President Elect are both
unable to function in the capacity of President.
E. The Secretary shall be responsible for maintaining the records
of meetings and committees, and shall perform such duties as assigned
by the President and the Board of Directors.
F. The Treasurer shall oversee all of the Associations funds including
dues collection and other income sources. The Treasurer shall authorize
all Association expenditures. The Treasurer shall provide oversight
of all accounting procedures as set forth in the current budget
approved by the Board of Directors.
^ to top ^
Board of Directors
Section 1. The Board of Directors shall be comprised of the Officers
of the Association, Local Chapter Presidents and six elected Board
positions. The term of office for an elected board position is three
years, and 1/3 of the six board positions will be replace each year.
If an elected board member fails to attend two or more board meetings
without notifying the President of the intended absence, the board
may dismiss the board member. The President shall call for and set
up the time and place of the meeting for the Board of Directors.
Section 2. The Board of Directors shall elect and designate at
least two members of the Association as Delegates to represent this
Association at the meetings in the House of Delegates of the National
Association of Health Underwriters. At least two alternate delegates
may also be elected. Notice of the election of this Associations
delegates shall be sent by the secretary to the office of NAHU,
within the prescribed time limits as established by NAHU.
Section 3. The interpretation of these bylaws resides with the
Board of Directors. Disputes between members regarding the bylaws
shall be submitted to the Board of Directors, in writing, and the
Boards interpretation shall be in writing and entered into the permanent
minutes of the Board of Directors.
Section 4. The Board of Directors may transact business by mail
or electronic means by voting Upon proposals submitted to them by
the President. Any such proposal shall be adopted If a majority
of the entire board returns affirmative votes within the time specified
by the President. A board member shall be advised of the results
of such balloting no later than seven (7) days after the vote is
^ to top ^
Section 1. All standing committees will research and recommend
action on policies to the Executive Committee or the Board of Directors.
No standing or other committee will expend funds without the approval
of the Board of Directors or Executive Committee.
The President is ex officio member of all committees. All committee
meetings are open to the membership except where designated.
Section 2. The Executive Committee shall consist of the officers
of WAHU. The Executive Committee may act in place of the Board of
Directors between board meetings on all matters except those specifically
reserved for the Board of Directors. The Executive Committee shall
be responsible for the day to day operations of the Association,
according to the policies established by the board.
Section 3. Membership Committee shall encourage membership among
all licensed agents, managers, and home office persons who earn
their living from the sales and service of disability and/or health
Section 4. Nominating Committee shall recommend a slate of candidates
for the Association Officers and Board positions to be elected at
the annual meeting. In addition, nominations from the floor may
be presented at the annual meeting. The committee shall consist
of three members: One being the President Elect, who is also the
chairman, and two members from the general membership.
Section 5. Programs Committee shall arrange a program for every
meeting of the Association, in cooperation with the Board of Directors
and other committees. This committee shall also be responsible for
meetings, and arranging necessary physical facilities.
Section 6. Education and Training Committee shall aid in the promotion,
development and extension of education and training in the practice
of disability and health insurance for the use and benefit of the
members and the public in conjunction with the Communication Committee.
This committee shall oversee and arrange for Continuing Education
Courses sponsored by the Association.
Section 7. Recognition and Awards Committee:
The Recognition and Awards Committee shall have the responsibility
of recognizing industry awards such as the RHU, LPRT, HIQA, REBC
and etc. This committee will also be responsible for the Robert
C. Gilray Award.
Robert C. Gilray Award sub-committee shall consist of the last
three (3) recipients of this award, each for a term of three (3)
years, (with one (1) rollover each year), current WAHU President
and two (2) other members from the general membership to be appointed
by the current WAHU President. Robert C. Gilray will be a permanent
member of this committee.
Section 8. Legislation and Regulatory Committee shall examine laws
and regulations, existing or proposed, affecting the disability
income and health insurance business and submit its recommendations
to the Board of Directors. The committee shall assist in the implementation
of the legislative programs of the National Association of Health
Section 9. Corporate/Laureate Sponsorship Committee shall solicit
sponsorships from organizations and agencies who are engaged in
the business of issuing, administrating or marketing of disability
and/or health insurance contracts, plans or services.
Section 10. Audit Committee shall consist of at least one board
member, other than the Treasurer, and two members from the general
membership. They are to audit the Associations books once each year
and when the Treasurer position changes. A qualified CPA firm shall
conduct an independent two-year audit every other year.
Section 11. The Communications Committee shall strengthen the Association
by having a bond of common interests that knits members together
and that generates for them favorable recognition and appreciation
in the community. The committee shall also coordinate all Association
communications internally among the membership and externally to
the statewide community.
The committee shall communicate information to the public concerning
the Association and/or health insurance practices as directed by
the Board and Executive Committee.
They shall distribute health information to the public at large.
They, also, shall conduct special health care education and organize
a Speakers Bureau of members qualified to speak as laymen on health
The Communication Committee shall oversee the Technology Committee
(sub-committee) and the Media Relations Committee (sub-committee).
Section 12. The Public Service Committee shall be in charge of
all Association fund-raisers i.e. Breast Cancer Recovery, Toys for
Tots, Special Olympics, etc., and coordinate activities among the
membership in conjunction with the Communications Committee.
This committee will provide support to worthy causes of a public
service nature that meets the desires of the majority of the Association’s
^ to top ^
Section 1: Structure of the Chapters:
Board - President, Vice President, Secretary/Treasurer, Past
President and tow Board Members elected by the membership.
Financial - Administered by the State Organization -
Legal - Tax Exempt Status Filing/Incorporation.
Section 2: The Local Chapter’s administrative functions will
be handled by WAHU’s administrative service firm.
Section 3 Local Chapters shall not solicit or receive corporate
Section 4: Local Chapters’ meetings will not conflict with
state meetings or agenda. These meeting must be coordinated through
the State Association.
Section 5: The locals will accept input and direction on policies
and positions from the chairs of the state committee. Each local
committee chair shall be a member of their specific state committee.
Section 6: The locals will seek approval from the state communication
chair for all advertising and promotions.
Section 7: Local Chapters shall not endorse a product or service
without state board approval.
Section 8: The State’s Past President shall serve as Chapter
Section 9: Local chapters will grant reciprocity to other WAHU
Section 10: In case of conflict, the Wisconsin Association of Health
Underwriter’s by-laws shall take precedence over local chapter
^ to top ^
The rule contained in the current edition of Robert’s Rules
of Order Newly Revised shall govern the Association in all cases
to which they are applicable and in which they are not inconsistent
with these bylaws and any special rules of order the Association
^ to top ^
Section 1. This Association’s choice for Regional Vice President
shall be nominated by the Board of Directors. The choice for Regional
Vice President shall be given to the National Association within
the qualifying time period.
Section 2. Any individual member of this Association shall lose
all rights and privileges under this Association if their license
to sell insurance is revoked, or if they are convicted of a felony.
Section 3. The Association’s fiscal year shall begin January
1 and end December 31.
^ to top ^
Section 1. The Association shall use funds only to accomplish the
objectives and purposes specified in these bylaws and no part of
these funds shall inure, or be distributed to the members of the
Association. In the event it is disbanded or the charter revoked
for cause in violation of the bylaws of the National Association
of Health Underwriters, the last Treasurer of record or other person
in possession of the funds or assets shall submit them to the Treasurer
of the National Association of Health Underwriters. After a period
of one year, if the Association has not been reactivated or a new
Association organized and chartered, escrowed funds shall become
part of the general funds of the National Association of Health
Section 2. This Association may resign from NAHU upon passage of
a Resolution of Resignation adopted and approved by a 3/4 vote of
the active membership of the Association. Said resignation shall
be communicated by the local secretary to the Executive Vice-President
of NAHU by registered mail, and shall become effective upon acceptance
by NAHU Board of Trustees. Upon acceptance of the resignation, all
members of the Association will revert to Member-at-Large status.
^ to top ^
Amendment of the Bylaws
Section 1. Any amendment of these bylaws, if in conformity with
the policy of the National Association of Health Underwriters, may
adopt by 2/3 vote of the active members present at any meeting of
the Association, provided that written notice of the meeting and
the proposed amendment shall have been given to the members at least
one month prior to the meeting. All provisions of the previous WAHU
bylaws are hereby replaced by the provision herewith.
Section 2. Any changes to be made by members to any proposed changes
in the bylaws must be received by the secretary at least ten days
prior to the general meeting.