Ga. Comp. R. & Regs. R. 120-2-42-.04 - Standards
Policies and forms subject to this Regulation shall meet the following standards:
(a) The policy
shall include a table of contents of important provisions.
(b) Each section shall be self-contained and
independent. However, general provisions applicable to more than one section
may be included in a common section.
(c) The policy, except for declarations
pages, schedules, and tables, shall be printed in not less than ten-point type,
one-point leaded.
(d) The policy
shall be printed in a legible type-style with adequate contrast between ink and
paper. Captions, headings, and spacing shall be used to increase overall
legibility.
(e) The policy shall be
written in everyday conversational language consistent with its standing as a
contract. Short sentences and a personal style shall be used wherever
possible.
(f) Technical terms and
words with special meaning shall be avoided wherever possible.
(g) The policy text shall achieve a minimum
score of forty (40) on the Flesch Reading Ease Test or an equivalent score on
any other comparable test or a lower score on either if the Commissioner finds
the policy reasonably easy to read. For purposes of this Regulation, a Flesch
Reading Ease Test shall be scored by the following methods:
1. For a policy containing 10,000 words or
less of text, the entire policy shall be analyzed. For a policy containing more
than 10,000 words, the readability of two 100-word samples per page may be
analyzed instead. The samples shall be separated by at least twenty (20)
printed lines.
2. The total number
of words in the text or sample shall be divided by the total number of
sentences. The figure obtained shall be multiplied by 1.015.
3. The total number of syllables in the text
or sample shall be divided by the total number of words. The figure obtained
shall be multiplied by 84.6.
4. The
sum of the figures computed under subparagraphs 2. and 3. subtracted from
206.835 equals the Flesch Reading Ease Test score.
5. For purposes of this Regulation, the
following procedures shall be used:
(i) A
contraction, hyphenated word, number, or letter, when separated by spaces,
shall be counted as one word;
(ii)
A unit of text ending with a period, semicolon, or colon shall be counted as a
sentence;
(iii) A syllable means a
unit of spoken language consisting of one or more letters of a word as divided
by an accepted dictionary. Where the dictionary shows two or more equally
acceptable pronunciations of a word, the pronunciation containing fewer
syllables may be used; and
(iv) At
the option of the insurer, any form made a part of the policy may be scored
separately or as part of the policy.
6. The term "text" as used in this Regulation
includes all printed matter except the name and address of the insurer; the
name, number or title of the policy or form; the table of contents or index;
headings and captions; and declarations pages, schedules, or tables.
7. The Commissioner may authorize a lower
score than the Flesch reading score required in subparagraph (g) of Rule
120-2-42-.04 if such lower score is
caused by certain language which is drafted to conform to the requirements of
any state or federal law, regulation or agency interpretation.
Notes
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