100 years ago, a fire policy covering someone's home was a one-page document, covering the front and back of that page. Today, a homeowners' policy can be 30-40 pages (or more). To make it more interesting, most states have passed laws requiring that insurance policies meet a readability standard. Some state that they can't use complex sentence structure. Others state that they need to meet a certain readability score. Yet, everyone still has trouble reading insurance policies. This session will walk us through a few key principles for how to read an insurance policy to make sure that we understand it and can explain it to our customers.

In this session, we will:

• Discuss the primary guidelines for reading an insurance policy.
• Interpret the words in an insurance policy.
• Demonstrate the importance of conjunctions in lists in an insurance policy.