Texas Administrative Code (Last Updated: March 27,2024) |
TITLE 28. INSURANCE |
PART 1. TEXAS DEPARTMENT OF INSURANCE |
CHAPTER 3. LIFE, ACCIDENT, AND HEALTH INSURANCE AND ANNUITIES |
SUBCHAPTER S. MINIMUM STANDARDS AND BENEFITS AND READABILITY FOR INDIVIDUAL ACCIDENT AND HEALTH INSURANCE POLICIES |
SECTION 3.3102. Language Readability
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(a) Words shall be selected carefully with preference given to short, familiar words. (b) Words which are generally familiar, or are common speech shall be used to the extent possible. (c) Use of technical or abstract words shall be avoided to the extent possible. (d) While provisions that are more conceptually complex are more difficult to express in simplified language, sentences shall be expressed in the shortest possible manner. (e) Complex and compound sentences shall be avoided to the extent possible. (f) The use of prefixes and suffixes shall be avoided to the extent possible. (g) Each insurer shall submit the readability score for the policy along with the policy when it is submitted for approval. The readability tests set forth in §3.3092(c) of this title (relating to Format, Content, and Readability for Outline of Coverage) are recommended as guides for insurers. Source Note: The provisions of this §3.3102 adopted to be effective January 26, 1977, 2 TexReg 159.