2005 Minnesota Statutes

     72C.10 Filing requirements; duties of commissioner. 

    Subdivision 1.    Readability compliance; filing and 
 approval.  No insurer shall make, issue, amend, or renew any 
 policy or contract after the dates specified in section 72C.11 
 for the applicable type of policy unless the contract is in 
 compliance with the requirements of sections 72C.06 to 72C.09 
 and unless the contract is filed with the commissioner for 
 approval.  The contract shall be deemed approved 90 days after 
 filing unless disapproved by the commissioner within the 90-day 
 period.  The commissioner shall not unreasonably withhold 
 approval.  Any disapproval shall be delivered to the insurer in 
 writing, stating the grounds therefor.  Any policy filed with 
 the commissioner shall be accompanied by a Flesch scale 
 readability analysis and test score and by the insurer's 
 certification that the policy or contract is in its judgment 
 readable based on the factors specified in sections 72C.06 to 
 72C.08. 

    Subd. 2.    Contract or policy disapproval.  The 
 commissioner shall disapprove any contract or policy covered by 
 subdivision 1 if the commissioner finds that: 

    (a) it is not accompanied by a certified Flesch scale 
 analysis readability score of more than 40; 

    (b) it is not accompanied by the insurer's certification 
 that the policy or contract is in its judgment readable under 
 the standards of sections 72C.01 to 72C.13; 

    (c) it does not comply with the readability standards 
 established by section 72C.06; 

    (d) it does not comply with the legibility standards 
 established by section 72C.07; or 

    (e) it does not comply with the format requirements 
 established by section 72C.08. 

    HIST: 1977 c 345 s 10; 1986 c 444