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);

Terms Used In Hawaii Revised Statutes 431:10-104

  • Contract: A legal written agreement that becomes binding when signed.
  • Contract: means any policy of life, accident and health or sickness, credit life, credit disability, homeowners, and motor vehicle insurance covering personally owned or personally leased private passenger motor vehicles prepared for delivery by an insurer. See Hawaii Revised Statutes 431:10-102
  • Flesch reading ease test: means the test set forth in section 431:10-106. See Hawaii Revised Statutes 431:10-102
  • Text: includes all printed material in the contract except:

    (1) The insurer's name and address;

    (2) The name, number, or title of the contract;

    (3) The table of contents or index;

    (4) Any captions or subcaptions;

    (5) Any specification pages, schedules, or tables;

    (6) Any language required by federal law, regulation, or agency interpretation or any written certification to exclude such language;

    (7) Any language required by any collective bargaining agreement;

    (8) Any medical terminology; and

    (9) Any definitions. See Hawaii Revised Statutes 431:10-102

(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.

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