HRS §431:10-104
Insurance contract readability rules
This law sets readability and format rules for insurance contracts sold in Hawaii. A contract must use plain language, be printed in a minimum type size, avoid highlighting any part unfairly, and include a table of contents or index if it is long. It applies in addition to other legal requirements.
businesses
The statute, as written — General readability requirements
In addition to any other requirements of law, no contract shall be delivered or issued for delivery in this State unless: (1) The text is in plain language and achieves a minimum score of forty on the Flesch reading ease test or an equivalent score on any other comparable test prescribed by the commissioner under section 431:10-105(a); (2) The contract is printed, except for specification pages, schedules, and tables, in not less than ten-point type; (3) The style, arrangement, and general appearance of the contract give no undue prominence to any endorsements, riders, or other portions of the text; and (4) A table of contents or an index of principal sections is provided with the contract when the text consists of more than three thousand words printed on three or less pages or when the text has more than three pages, regardless of the total number of printed words.
Sections this one refers to
§431:10-105 Readability test for insurance contracts
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