NRS 687B.124
Readability of policies: Flesch test

  • style, arrangement and overall appearance
  • index or table of contents.

1.

Except as provided by NRS 687B.122, a policy must not be delivered or issued for delivery in this state on or after July 1, 1983, unless:

(a)

The text of the policy achieves a score of at least 40 on the Flesch test of reading ease or an equivalent score on any comparable test which is approved by the Commissioner;

(b)

It is printed, except for pages which contain specifications, schedules or tables, in not less than 10-point type, one point leaded;

(c)

The style, arrangement and overall appearance of the policy give no undue prominence to any portion of the text of or endorsements or riders to the policy; and

(d)

It contains a table of contents or an index of the principal sections of the policy if it contains more than 3,000 words or has more than three pages.

2.

The score for the Flesch test of reading ease must be calculated in the following manner:

(a)

If a form contains 10,000 words or less of text, the entire text must be used as a basis for calculating the score. If it contains more than 10,000 words, two samples, which are separated from each other by at least 20 printed lines, of 200 words per page must be used as the basis for calculating the score.

(b)

The number of words and sentences used in the basis for the calculation must be counted and the total number of words divided by the total number of sentences. This figure must be multiplied by 1.015.

(c)

The number of syllables must be counted and the total divided by the total number of words. This figure must be multiplied by 84.6.

(d)

The results of the calculations made pursuant to paragraphs (b) and (c) must be added together and the total must be subtracted from 206.835.

(e)

The result of the calculation made pursuant to paragraph (d) is the score for the policy.

3.

For the purposes of performing the calculations required by subsection 2:

(a)

A contraction, hyphenated word or numbers and letters when separated by spaces must be counted as one word;

(b)

A sequence of words which ends with a period, semicolon or colon, except for headings and captions, must be counted as a sentence; and

(c)

Where a dictionary shows two or more equally acceptable pronunciations of a word, the pronunciation containing fewer syllables may be used.

4.

As used in this section, “text” includes all printed matter except:

(a)

The name and address of the insurer, the name, number or title of the policy, the table of contents or index, captions and subcaptions and pages which contain specifications, schedules and tables; and

(b)

Any language of the policy which is drafted in a particular manner so as to meet the requirements of:

(1)

Any federal or state law or regulation or any interpretation of a law or regulation by a federal or state agency;

(2)

Any collective bargaining agreement;

(3)

Usage of medical terms; and

(4)

Definitions contained in the policy,
Ê if the insurer so identifies this language and certifies in writing that it is excepted by this paragraph.

5.

An insurer may score riders, endorsements, applications and other forms as separate forms or as part of the policy with which they are used.

Source: Section 687B.124 — Readability of policies: Flesch test; style, arrangement and overall appearance; index or table of contents., https://www.­leg.­state.­nv.­us/NRS/NRS-687B.­html#NRS687BSec124.

687B.010
Scope.
687B.015
“Binder” defined.
687B.021
Signatures.
687B.030
Waiver of payment of premium.
687B.040
Insurable interest: Personal insurance.
687B.050
Insurable interest: Exception when certain institutions designated beneficiary.
687B.060
Insurable interest: Property.
687B.070
Power to contract: Purchase of insurance and annuities by minors.
687B.080
Consent of insured to life or health insurance required
687B.090
Alteration of application: Life and health insurance.
687B.100
Application as evidence.
687B.110
Representations in applications.
687B.113
Control of cost of health care: Provisions encouraging use of certain services and facilities.
687B.117
Control of cost of health care: Insurer required to use three or more practices that control cost in administering benefits.
687B.120
Filing and approval of forms
687B.122
Readability of policies: Applicability of requirements.
687B.124
Readability of policies: Flesch test
687B.126
Readability of policies: Filing policy for Commissioner’s approval
687B.128
Readability of policies: Approval by Commissioner.
687B.130
Grounds for disapproval.
687B.140
Standard provisions.
687B.145
Provisions in policies of casualty insurance: Proration of recovery or benefits
687B.147
Exclusion, reduction or limitation of certain coverage in motor vehicle insurance policies allowed
687B.150
Inclusion of portion of charter or bylaws.
687B.160
Execution of policies.
687B.170
Underwriters’ and combination policies.
687B.180
Validity and construction of noncomplying forms.
687B.182
Binders: Issuance
687B.183
Binders: Forms
687B.184
Binders: Form and premium for policy issued as replacement.
687B.185
Binders: Prohibition of use to lower premiums.
687B.186
Binders: Proof of insurance coverage.
687B.187
Binders: Disapproval of insurer.
687B.190
Delivery of policy.
687B.200
Assignability.
687B.210
Payment discharges insurer.
687B.220
Forms for proof of loss to be furnished.
687B.225
Requirements for contracts for payment of cost of medical or dental care which require prior authorization of care.
687B.240
Administration of claims not waiver.
687B.250
Payment not to constitute admission of liability or waiver of defenses.
687B.255
Insurer to pay claim with negotiable instrument.
687B.260
Exemption of proceeds of certain policies.
687B.270
Exemption of proceeds: Health insurance.
687B.280
Exemption of proceeds: Group insurance.
687B.290
Exemption of proceeds: Annuities
687B.300
Retention of proceeds of policy by insurer.
687B.310
Cancellations and nonrenewals
687B.320
Midterm cancellation
687B.325
Industrial insurance policies: Midterm cancellation
687B.330
Anniversary cancellation.
687B.340
Nonrenewals.
687B.345
Annual review of coverage and benefits provided in policy.
687B.350
Renewal with altered terms.
687B.355
Information about claims paid on behalf of policyholder
687B.360
Information about grounds.
687B.370
Information about applying for insurance through certain plans
687B.380
Immunity.
687B.385
Refusal to issue, cancellation, nonrenewal or increase in premium due to claims for which insured was not at fault, claims for which insurer made no payment or recovered entirety of payment or inquiries relating to a claim prohibited.
687B.390
Cancellation or nonrenewal on sole basis of age, residence, race, color, creed, national origin, ancestry, sexual orientation, gender identity or expression or occupation prohibited.
687B.400
Discrimination on sole basis of age prohibited
687B.402
Compliance with certain federal laws regarding genetic information.
687B.404
Compliance with certain federal laws regarding mental health and addiction.
687B.406
Compliance with certain federal laws regarding dependent students.
687B.407
Authority of nonprofit health benefit plan regarding prescription drugs.
687B.408
Notifications required concerning changes related to prescription drugs used for transplanted organs.
687B.409
Payments to out-of-network providers for treatment of mental health or alcohol or substance use disorder.
687B.410
Withdrawal of insurance for particular class of insureds: Notice
687B.420
Notice of proposed cancellation, nonrenewal or alteration of terms of certain policies, contracts or plans of insurance.
687B.430
Regulations: Policies which provide for payment of expenses not covered by Medicare
687B.440
Umbrella policies: Disclosure statement indicating whether policy includes uninsured or underinsured motorist coverage
687B.450
Required medical examination
687B.460
Certificates of insurance for property or casualty insurance.
687B.4095
Policies of health insurance including prescription drug coverage: Restrictions on moving prescription drug from lower-cost tier to higher-cost tier.
Last Updated

Jun. 24, 2021

§ 687B.124’s source at nv​.us