All insurance policies filed with the commissioner pursuant to section 72C.11 shall be written in language easily readable and understandable by a person of average intelligence and education.
In determining whether a policy or contract is readable within the meaning of this section the commissioner shall consider, at least, the following factors:
(a) the simplicity of the sentence structure and the shortness of the sentences used;
(b) the extent to which commonly used and understood words are employed;
(c) the extent to which legal terms are avoided;
(d) the extent to which references to other sections or provisions of the contract are minimized;
(e) the extent to which definitional provisions are incorporated in the text of the policy or contract; and
(f) any additional factors relevant to the readability or understandability of an insurance policy or contract which the commissioner may prescribe by rule.
Official Publication of the State of Minnesota
Revisor of Statutes