Subd. 1.

No insurer shall make, issue, amend, or renew any policy or contract after the dates specified in section 72C.11 for the applicable type of policy unless the contract is in compliance with the requirements of sections 72C.06 to 72C.09 and unless the contract is filed with the commissioner for approval. The contract shall be deemed approved 90 days after filing unless disapproved by the commissioner within the 90-day period. The commissioner shall not unreasonably withhold approval. Any disapproval shall be delivered to the insurer in writing, stating the grounds therefor. Any policy filed with the commissioner shall be accompanied by a Flesch scale readability analysis and test score and by the insurer's certification that the policy or contract is in its judgment readable based on the factors specified in sections 72C.06 to 72C.08.

Subd. 2.

The commissioner shall disapprove any contract or policy covered by subdivision 1 if the commissioner finds that:

1. (a) it is not accompanied by a certified Flesch scale analysis readability score of more than 40;
2. (b) it is not accompanied by the insurer's certification that the policy or contract is in its judgment readable under the standards of sections 72C.01 to 72C.13;
3. (c) it does not comply with the readability standards established by section 72C.06;
4. (d) it does not comply with the legibility standards established by section 72C.07; or
5. (e) it does not comply with the format requirements established by section 72C.08.