(1)    Right to amend articles and make and amend bylaws. Sections 181.0207 and 181.1001 apply to town mutuals. A town mutual may make and amend bylaws as provided by the articles or, in the absence of any such provision, in the same manner as the articles may be made or amended.

   (2)   Approval required. No change in the articles or bylaws or in the business plan is effective until approved by the commissioner, nor may a town mutual depart from its business plan except with the commissioner’s approval. No change may be made inconsistent with s. 612.02 (2). Section 181.1008 applies to town mutuals.

   (3)   Grounds for disapproval. The commissioner shall approve the change unless he or she finds, after a hearing, that it would be:

      (a)    Contrary to law; or

      (b)    Inconsistent with the interests of the members or of the public.