044-52 Wyo. Code R. § 52-4
A creditor may remit and an insurer may collect premiums on a monthly balance basis if the insurance charges or premiums are not added to the amount of the loan and do not constitute part of the outstanding indebtedness, or if no direct or indirect, interest, finance, carrying, credit or service charges are made to the debtor in connection with the insurance charges or premiums. In those instances in which identifiable insurance charges or premiums are added to the total amount of indebtedness and direct or indirect interest, finance, carrying, credit or service charges are made thereon, the creditor shall at the time of imposition of such additional interest or other charge be deemed to have loaned the insurance charges or premiums to the debtor and the premiums shall be deemed collected for the insurer at the time they are added to the indebtedness, in which event the creditor shall remit and the insurer shall collect on a single premium basis only.
044-52 Wyo. Code R. § 52-4