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For what type of policy forms is a readability standard required?
Readability standards apply to all personal lines insurance forms. Pursuant to MCL 500.2236(3) the policy forms with attached endorsements must have a readability score equal to or higher than 45. The SERFF Filing Rules tab, Requirement category "POLICY FORMS / ENDORSEMENTS" explains that you must include the readability score for every personal lines insurance form in the Form Schedule Tab. DIFS has not identified an approved readability testing software or product, therefore each insurer should utilize a readability software product that it understands would measure its policy forms in a manner that is substantially similar to the statute and would produce equivalent scores.