What readability test must insurance policies pass?

• A. Flesch scale analysis
• B. Lexicon analysis
• C. Bloom's taxonomy
• D. Gunning fog index

Answer: (A)

Policies must be written in a way that average policyholders can understand, and regulators use a standard readability test to check that. The method used for insurance policy readability is the Flesch scale analysis, also known as the Flesch Reading Ease test. It evaluates how easy a text is to read by looking at sentence length and syllable counts per word; higher scores mean easier reading. Policies are required to meet a minimum score so that terms, benefits, and exclusions are understandable to the average consumer.

The other options aren’t the standard measure for this purpose. Lexicon analysis isn’t a recognized regulatory readability test for insurance policies. Bloom’s taxonomy relates to educational objectives and how knowledge is learned, not how easily a document can be read. The Gunning fog index is another readability measure, but it isn’t the one specifically mandated for insurance policy readability.