The commissioner may authorize a policy to be issued for delivery in Indiana with a score lower than the score required by section 3 of this chapter if he finds that the lower score:

1. (1) will provide a more accurate reflection of the readability of a policy form;
2. (2) is necessary because of the nature of a particular policy form or type or class of policy forms; or

3. (3) is caused by policy language that is drafted to conform to the requirements of Indiana law, regulation, or agency interpretation.

   As added by Acts 1981, P.L.245, SEC.1.