---
title: "Table policy clauses without marking a term unfair"
url: "https://ailawframework.com/practice/insurance-law/review-a-standard-form-consumer-insurance-contract-for-unfair-terms/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-T20261018-4-US"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Table policy clauses without marking a term unfair

> One row per clause the lawyer has marked in a standard-form policy. Columns are the clause number and the clause's words. Do not mark a term unfair and write no endorsement.

Canonical page: https://ailawframework.com/practice/insurance-law/review-a-standard-form-consumer-insurance-contract-for-unfair-terms/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | One row per clause the lawyer has marked in a standard-form policy. Columns are the clause number and the clause's words. Do not mark a term unfair and write no endorsement. |
| What the lawyer must review | 15 U.S.C. § 1012 leaves the effect of a policy to state law unless a federal act specifically relates to the business of insurance. No unfair-terms statute was opened. NAIC model MO-900 addresses claims-settlement practices, not the fairness of a policy term, and it is not itself law. You decide whether any term can be challenged. |
| Written for | United States |
| Applies to | [Review a standard-form consumer insurance contract for unfair terms](https://ailawframework.com/practice/insurance-law/review-a-standard-form-consumer-insurance-contract-for-unfair-terms.md) |

## Checking plan

- What the AI does: One row per clause the lawyer has marked in a standard-form policy. Columns are the clause number and the clause's words. Do not mark a term unfair and write no endorsement.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Do not apply a foreign unfair-terms regime.
- The model is not a product-design statute.

## Sources

- [15 U.S.C. § 1012, McCarran-Ferguson Act: regulation by State law](https://www.law.cornell.edu/uscode/text/15/1012) (checked 2026-10-22)
- [NAIC Unfair Claims Settlement Practices Act, model MO-900](https://content.naic.org/sites/default/files/model-law-900.pdf) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*