N.C. Gen. Stat. § 58-66-20

(1) All certificates and contracts covered by G.S. 58-66-35 must be printed in a type face at least as large as 10 point modern type, one point leaded, be written in a logical and clear order and form, and contain the following items: On the cover, first, or insert page of the certificate a statement that the certificate is a legal contract between the certificate owner and the insurer, and the statement, printed in larger or other contrasting type or color, "Read your certificate carefully";

(2) An index of the major provisions of the certificate, which may include the following items: The person or persons insured by the certificate;

(3) The applicable events, occurrences, conditions, losses, or damages covered by the certificate;

(4) The limitations or conditions on the coverage of the certificate;

(5) Definitional sections of the certificate;

(6) Provisions governing the procedure for filing a claim under the certificate;

(7) Provisions governing cancellation, renewal, or amendment of the certificate by either the insurer or the subscriber;

(8) Any options under the certificate; and

(9) Provisions governing the insurer's duties and powers in the event that suit is filed against the subscriber.

(10) In determining whether or not a certificate is written in a logical and clear order and form the Commissioner must consider the following factors: The extent to which sections or provisions are set off and clearly identified by titles, headings, or margin notations;

(11) The use of a more readable format, such as narrative or outline forms;

(12) Margin size and the amount and use of space to separate sections of the policy; and

(13) Contrast and legibility of the colors of the ink and paper, and the use of contrasting titles or headings for sections.