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HRS §431:10-108

When a lower readability score is allowed

This section lets the insurance commissioner approve a contract with a lower readability score than the usual minimum. The commissioner can do this if a lower score would better show how readable the contract is, fits the type of contract, or is needed because state law requires certain language.

everyone

The statute, as written — Flesch reading ease score; lower score authorized; when

The commissioner may authorize a score lower than the minimum Flesch reading ease score required in section 431:10-104(1) when the commissioner determines that the lower score: (1) Will provide a more accurate indication of the readability of the contract; (2) Is warranted by the nature of a particular contract form, type or class of contract forms; or (3) Is the result of any language required by state law, regulation or agency interpretation.
Read the official text at capitol.hawaii.gov ↗as published Jan 6, 2026our copy taken Aug 20, 2026

Sections this one refers to

§431:10-104 Insurance contract readability rules

LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.