IL HB3804

Requires all insurance policies issued, amended, renewed, or delivered in Illinois to be written in language easily readable and understandable by a person of average intelligence and education

Directs the Director of Insurance to evaluate policy readability based on specific factors including simplicity of sentence structure, shortness of sentences, and use of commonly understood words

Requires insurers to minimize the use of legal terms and reduce references to other sections or provisions within the contract

Mandates that definitional provisions be incorporated into the policy text rather than separated

Authorizes the Director of Insurance to prescribe additional readability factors by rule